4. Media: The new legislation does not stop when it reaches the field of media, which requires “respect the right to equality in the information, avoiding any form of discrimination.” Of course, the question is, who decides this? Does the new body created by the Ministry of Leire Pajin? And the answer is yes and that also means they are covered by shifting the burden of proof as to non-discrimination.

5. Public grants and contracts: All this had to have the corollary to Article 35, which clearly states that “the government may establish special conditions in order to promote equality and non discrimination.” Come on, to contract with the State or to receive a grant will have to jump through hoops to the provisions of the draft and discussed in previous sections.

Of course, everything is justified by the pursuit of equality. No equality before the law, but equality after the application of the law.

For a modeling agency can say that girls choose not lower than 1.70 cm that is required “essential”, but perhaps the judge will look a little argument “proportionate” and “illegitimate” and imposed a fine. Who knows. This means that Spanish firms already have a new reason to fear lawsuits, penalties and additional costs, because anyone can claim that it does not discriminate when chips.

Furthermore, paragraph 4 of that Article 12 notes that “means discriminatory criteria for access to employment situation of indirect discrimination occur.” That is, if a company makes an examination approved by 80 girls and 20 boys, you may face a lawsuit for discrimination based on sex.

2. Self-Employment: One of the most surreal provisions of the articles is one that prohibits discrimination in employment on their own, which states that may be established or segregation “in access to the exercise of these activities.” A government that has rules for everything and that requires very harsh conditions for the setting up of a business or to obtain a professional license now says that you can not discriminate in access. Again, as in the previous section, the self-employed have from now (if the draft is approved) a new concern.

In this case, the absurdity in the management Comuidades came from the regions.
The government has discovered that there were 32,687 deaths among the 704,758 people who were receiving aid.

The Autonomous Communities are involved in managing and processing system and refer to the Government Unit, which is responsible for transferring the amounts to all levels of government depending on the information received.

Well, the CCAA reliza these checks, and inflated data in other chapters, for example, people repeated one who have moved from community and remained enrolled in the previous lapse in procedures or who choose not to proceed with the

Curiosamene few days ago in Greece was uncovered a scam in which the families of officers killed around 4,500 were receiving the pension, along with more than 18,000 cases of unemployment benefits to people who had no such right.

• Notable drop in school performance or dropout.
• Withdrawal from the company of others.
• Loss of interest in favorite activities such as sports and hobbies.
• Adding a new group of peers the same age.
• Receiving telephone calls from strangers.
• Increased conflicts and quarrels within the family.
• Excessive hostility to others.
• Red eyes.
• Presence of necessary tools to drug use, suspected onset of eye drop bottles of tablets, syrups and medicine containers.
• Accented changes in appetite.
• Lack of motivation inability to meet responsibilities.
• Distraction, excessive laughter.
• antisocial activities such as lying, stealing, skipping school, etc..
• Activities furtive or impulsive use of dark glasses but no excess of light.
• Use long sleeves even on hot days.
• Reaction defensive when mention drugs and alcohol in the conversation.
• Increased fatigue and irritability, disturbed sleep.
• Disappearance of valuables.
• Lack of expression on the face; monotony in his voice.
• Depression emotional frequent mention of the issue of suicide.
• Confusion over the place, time and day.
• Crisis of fear or exaggerated fear.
• Insomnia.
• sleepy or groggy appearance.
• Stuffy nose and throat.
• Earthquakes.
• Excessive calm or slow.
• Crisis of unmotivated laughter.
• Talk ragged or aloud.
• Nausea.
• Excessive headache

The sincere advice to expedite the sale are:

• If you take some time trying to sell their apartment will be easy to see that yesterday could have sold more expensive than today, well … believe me when I say that however much you think you have to drop too low price, sell it today more expensive than tomorrow. So take this conclusion to be targeted.

• If you tune in will find the right price, maybe it is already proving that the market decline is ahead of you, so its price is always more expensive than those that manage to sell. Must assume the precise value to break that pattern.

• No matter how “extraordinary” that will definitely look your floor yourself to the idea that such a view not shared by potential buyers, otherwise it would have already sold without the slightest stick … and buyers would queue to redirect to other floors somewhat less “extraordinary”, and earn good money as an intermediary. If this has not happened already, Undeceive and seek realistic solutions.

• A buyer is a person, whether natural or legal person who gives you money in exchange for his apartment, a notary, from a document into a public sale. People who call, and even visiting her apartment, do not go beyond merely curious, interested parties (who have a long negotiation process) and even his competitors trying to sell their apartments and also report conditions.

• It has been the history of economic growth expectations that encouraged us, until recently, to invest in real estate projects, relying on rapid appreciation. Convince yourself that the person who, in a time of economic crisis like the present, are willing to buy a floor to prices in the market two years ago does not exist, or lying, or is it a stupid person, the latter could be potential buyers, but often have no money.

• If you believe the prices of apartments that appear in commercials, print media and real estate portals, is the market reference price, check how long they not be sold, you will find that these references are “not sell. ”

• The market price of your floor is alien to their old expectations of economic benefit, and even, and this is sad, to its current economic crisis, job or family, if that you are suffering. His personal needs can not influence the pricing, most will do is deceive, losing time, which will worsen their situation.

• You may have to assess “how much money you can lose” in the sale, “to avoid losing more” or “losing everything”. In life, in economic terms, almost always more profitable medium and long term, cut with an untenable situation, to be able to dump into a new project, rather than insisting on seeking solutions exist, delaying the start again.

• Ask the concierge and porters, professional brokerage and administrative managers, if they know someone who might be interested in your apartment. Do not ask “their views” about the price, inquire for potential buyers, you can bid real, and which can directly negotiate the price.

• Commit to pay the fees, subject to successful completion of the transaction for the sale of his flat in order to achieve the greatest possible number of people wishing to work with you. Be generous and set fees that encourage the intermediary to get the highest possible price.

• Given the growing problem of housing stock with financial institutions, that is bound to be its main competitor, not advise you to seek help at your local neighborhood, and unless they present a potential purchase of his apartment pointed to funding. Yes you should approach them as a possible buyer, to glimpse how they compete with you, or rather, how far should you go in its bid to stay ahead of competition from these entities.

• If your floor has a scruffy, dirty or aged, fix it so precise as to give the feeling to be engaged in very little time, most potential buyers are unable to see “how wonderful it will be the floor,” with a slight compromise, or are not willing to “fight with future reforms of unpredictable duration and cost.”

• Finally, as funding is important, perhaps something can improve the selling price if you can give part payment deferrals. Consider this a foreseeable horizon for recovery of real estate credit not less than two or three years.

This time has been the Women’s Institute, which draws 600,000 euros in grants for research into the situation of women “especially in the areas of economic growth, employment and sustainable development, as well as the health and quality of life” .

It will be money …

Since returning to work on 1 January, has found more and more irritated by what he sees. Fund managers, encouraged by their mammoth profits are clamoring for risk. Junk bonds are still very popular. Even more surprising, says Rodriguez, is the government’s failure to tackle its debt. “I know one thing for business,” he says. “Unless we correct the problems that are happening, not you add more leverage and new responsibilities, until you correct the old! Everything you do is overturn the boat! ”

Rodriguez argues that the U.S. debt as a percentage of GDP (currently 64%) is massively underreported, as there is no off-balance sheet rights and Medicare, and debt that have Fannie and Freddie. If you factor these liabilities, the current ratio is above 500% and growing. U.S. have to reduce by 2012, says Rodriguez, but is unlikely to be achieved during the election year. If nothing changes, he adds, investors start getting nervous about the amount of U.S. debt in the balance. Given that lenders will refuse to buy Treasury bonds, rates will rise, which will make borrowing costs soar throughout the financial system. “The financial system held together with a very thin wire called trust,” says Rodriguez. “When you remove it, all hell breaks loose.”

The situation is not irreparable, Rodriguez believes the government may keep interest rates get too high if you start to make cuts of 350,000 million to 500,000 million per year. But he has little faith in their willingness to do so. If he would have a serious tax reform, with all tax deductions (including mortgage interest) on the table.

So FPA managers, advised by Rodriguez, are again eliminating risk positions. First Pacific Advisors now has a 30% cash and 38% in energy stocks because he believes that the supply of oil worldwide is declining. Yet, even in this sector do not see too many opportunities (forget other sectors). Refuses to buy the majority of the bonds or bonds long term. Your security system has irked some investors: new FPA revenues have begun to shrink again, and a few clients of FPA Capital are already complaining.

You need a thick skin to be otherwise. Rodriguez used to lose the faith of its shareholders, but it seems tired of it. “I do not get a reward in this business do it right,” he says. “It’s a love-hate relationship. You may feel bitter about that, but then I wonder, what would you do differently? “. The first thing to do is live with yourself. ” For him, that’s easy. Convincing others is the challenge.

Organizations that operate online enable faster application, swifter processing and swifter transfer of cash. If you take out money with low fee payday loans, you may be assured in your disbursement possibilities thanks to factually low charges. The sum of servicing fees is calculated on the ground of the amount you borrow, but often it is merely several extra dollars prescribed to the credit.

It is necessary that you spot out a reputable payday loan company with quick approval and lowest charges. Rivals of low fee payday loans try to convince prospective clients in the disadvantageousness of this proposal because of big annual. Really, APR is taken into consideration when deciding of the fees connected with payday loans, but merely some part of it is taken. Many individuals do not comprehend the mode of charge appointment surmising they pay up significantly more than they took. The fee isn’t as great because you’re simply borrowing the money for a short term, as usual a matter of a few weeks.

In some circumstances the charges you pay to solve the issue excel the sum you pay for payday loan proposals, and there are obvious causes for this. For instance, think about a past due utilities bill and a renewal fee. Seeing renewal check will make you deplore that you haven’t chosen payday loan in place of it. Do you suppose a missed credit card bill will be low? Having obtained late payment fee will throw you into panic since the sum essentially exceeds payday loan fee. Besides, it would be more reasonable to pay for vehicle maintenance with the help of payday loan, as renting the other car will be rather expensive.

Springing up fiscal troubles are better to fix promptly with the aim not to get into piles of burdens; payday loans are the best problem-solvers in this case. The point that you can spot out payday loans in the I-net, which propose instant approvals and immediate transfer of cash, make them advantageous as well. Therefore, the outcome of your fiscal troubles depends upon whether you select efficient payday loans or inappropriate attitude towards the settlement.

According to the latest study Agettes (Association of Temporary Work Great), the support rate has been reduced in Spain from 2007 to 1.44 1.88 in the first quarter of 2011. This ratio measures the ratio between members and the unemployed and pensioners. That is, accounts for something like the number of contributors who support each recipient of a state subsidy. And in Spain, this number has been falling steadily for four years.

The fundamental cause is the decline in employment, on the one hand has thrown in the number of members of the Social Security and another has boosted the number of recipients of unemployment benefits. But the demographic trap in which it is Spain, with more and more elderly and fewer young people have contributed.

Fixed expenses

Without going into any maintenance or repairs, owning a home has many fixed costs. Thus, for example the house of 90 m2 in Madrid can be concluded that to have: Property Tax or IBI (400 per year), community-owned (100 per month or 1,200 per year), home insurance (300 euros per year), minimum expenditure of light (20 240 euros per month or per year), minimum expenditure of gas (20 euros or 120 euros every two months a year).
In total, the approximate cost of this fixed cost would be about 2000-2400 per year.

Deterioration in the price

Almost any house that is currently in the market suffers a loss in value as the price declines are somewhat generalized. A house of 90 m2 in Madrid (half m2 Price: 3,642 euros) has an average price of 327,780 euros, according to the latest data report idealista.com prices

As the price of housing in Madrid fell 6.5% in the last 12 months, the house has “lost” value of EUR 22,786 in the last year

In total, adding the fixed costs and the deterioration of the price, any house without the use of these features would have cost the owner approximately 25,000 euros

Mortgage interest

In the unlikely event that the home was recently foreclosed, we would have an additional expense. At this point we will only enter as “cost” of housing interests, considering the principal and savings. Although last year there was minimal interest rates, also the owner have had to endure through interest cost. Specifically, for an open mortgage last year to 80% for a house of € 350,000 with an interest rate of 2%, interest paid in the last 12 months have been about 5,500 euros.

In total, be empty or sell a home of 90 m2 in Madrid may have come to cost the owner more than 30,000 euros in the last 12 months or 8.5% of the price a year ago.

It should be noted here that if the total interest rate mortgage for less than 5%, the interest cost would increase from € 5,500 to about 14,000 euros. with this data and keeping other variables fixed, the cost of having the empty house would be around 40,000 euros, more than 14% of the price.