Global Design And Business

3. Non-discrimination in access to housing: Article 19, and other issues related to buying a home, is expressly prohibited “refuse an offer to purchase or lease or refuse the beginning of talks” for some of the causes under the law from now, the homeowners can not say no to a tenant simply because they want to rent your property, as they risk being brought before the body provided for by law and charged discrimination. This article adds to the already precarious legal uncertainty rental market in Spain. There seems to be the best way to encourage outward empty houses on the market.

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.

1. Equal treatment in employment: The bill makes clear in Article 12 that “there may be no” limitation, segregation or exclusion by reason of the grounds provided “in the regulations. Of course, at least admits that there is discrimination if produces a “difference of treatment based on a characteristic related to a case of discrimination when such a characteristic constitutes a genuine and determining occupational requirement, provided that the objective is legitimate and the requirement is proportionate.” And here enters the realm of absolute discretion.

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.

More about the gag Leire Pajin, typical of a dictatorship that brutally attack the freedom of the individual and their own property, freedom of choice, education, opinion … impose heavy fines to achieve its goals: Eliminate different views, the rights of citizens and impose its vision and ideology alone:

“The draft Comprehensive Law on Equal Treatment and Non Discrimination this Friday the Council of Ministers has submitted to Parliament limitations to private ownership and the ability of companies to decide how to organize your business. Under the guise of” non-discrimination “the Government proposes a 33 pages long article that seeks to interfere in the Spanish economic life.

The keys to the new rules is four. First, it prohibits what the Government considers as “discrimination” whatever the causes that led to it. Second, states that this lack of equality can occur both directly and indirectly and in both cases may be appealed and must be repaired by the government. The Bill also establishes a series of harsh sanctions, which could reach up to 500,000 euros for those who violate the provisions of the new Act Finally, the legislation does not adhere to oblige public bodies to follow their prescriptions varied catalog of pro -equality, but intrudes into the private life of the Spanish and their companies to dictate what should be the criteria to guide their decisions. Leire Pajin has decided that everyone must be equal. Equal according to their particular concept of equality, of course. And that does not comply, will drop a ticket.

The prohibition against discrimination and established the Spanish Constitution, as well as other articles of the new rules are devoted to explain what you mean Mrs. Pajín for equality.

For any condition: Article 2.1 of the Draft Law provides that “no one shall be discriminated against on grounds of birth, national origin, sex, religion, age, disability, sexual orientation, illness, language or other status.” The last three words of text are the most worrisome, because referring to “any condition”, the law would leave open the option that everyone claims to have been discriminated against (being fat or thin or tall or short, etc …).

Discrimination: Article 4 states that “prohibits any conduct, act, criterion or practice” discriminatory. Of course, admits that allowed those who can “objectively justified by a legitimate aim and a means appropriate, necessary and proportionate.” This means that every time a Spanish make a decision such as renting the floor of the 3 or 4 candidates who have interviewed have no doubt as to whether the losers will be denounced “discrimination.” And you will have to justify its decision is “objective, fair, necessary and proportionate”.

Hint: In addition, the draft Leire Pajin also provide for the punishment of indirect discrimination, which occurs when “a provision, criterion or practice would cause or may cause a person at a particular disadvantage compared to another.” This means that even an objective and logical criteria can be reviewed by the socio-political brigade Pajín. For example, if a security company implements a very demanding physical tests to access a security guard work, perhaps reprimanded and fined look because women do not achieve 50% of the seats (they are logically weaker than the men). In the U.S., a pioneer in this kind of politically correct standards, there has been the case of tests that have been banned by the courts because they were not approved by a sufficient percentage of black people as these, on average, have lower grades in school and college. That is, to pursue a theoretical and utopian equality, Pajín you question everyone unevenly.

Exception: Yes, the Minister of Health decided to introduce a curious exception. In Article 2.4 explicitly states that “the prohibition of discrimination language precludes any difference in treatment by the use of Castilian or the use of different co-official languages.” That is, discrimination in Spain will be prosecuted except that affects speakers of their languages. Nationalism can be quiet all the language laws will be approved unless the new law

Burden of proof: One of the most striking aspects of the law is that “administrative procedures” when the plaintiff “provide a proof of principle of its existence,” the defendant shall “contribution of an objective justification and reasonable. ” Come on, you will need to be charged to show (not sure how) that has not discriminated against. At least the law excludes criminal proceedings of this provision, perhaps because he knows he could be his tomb in the courts because the Constitution makes clear that the proof is on the accusing, not the accused. This so upset the “presumption of innocence,” which is loaded Pajín here in what refers to administrative procedures.

Penalties: Article 44, the Government has made the space for the fines. There will be three types of offenses. Mild (procedural irregularities), a fine of between 150 and 10,000 euros. Graves (discrimination), a fine of between 10,001 and 60,000 euros. And very severe (for repeat offenders and those who practice discriminatory harassment), with fines of up to 500,000 euros.

The body protector: Since all this can not be simply the willingness of judges and prosecutors, the Draft provides for the “Authority for Equal Treatment and Non-Discrimination”, which will undertake to “protect and promote equality treatment in both the public and private. ” So all citizens can rest assured that there is already a more bureaucratic organization, with headquarters budget office employees, all paid from taxes, and shall ensure that no one would happen discriminate according to the criteria discussed so far .

The attack on the economy: The foregoing will now be applicable to any Spanish, person or entity. These are the general provisions of the Act, which will assist all citizens are increasingly monitored to make decisions that consider Pejín Leire which may be discriminatory. However, there are specific items aimed at regulating economic activity and which will provide an over-cost the lives of citizens and the daily business activity. The following are the five most prominent.

A new sample of the great public resource management, and that there is no money to implement this measure, not surprising coming from where it comes: Political and apply measures that promise without knowing its viability and sustainability.

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.

Barta Jose real estate consultant offers 12 tips for a seller real, not a “dizzying partridge.” Barta recommended that the owner not urge you to sell your home the place to rent. And to those who need to sell your home, Barta reminded that they must assume that sell more expensive today than tomorrow. Personally, I fully agree with them.

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.

Another example of the injustice of public administration in Spain. It seems they do not have the foggiest idea of ​​the real situation in which we live. Or seem to know very well, and before the party ends have to plunder our tax dollars as possible and distribute it among his closest friends.

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 …

“Bob Rodriguez is the manager of mutual funds with the best record of profitability in the last quarter century and who correctly predicted the last two stock market crash. So why do not people listen when he says that Bob Rodriguez another disaster looming, that’s what is asked Mina Kimes Rodriguez in an interview in Fortune magazine. The answer can be summed up in that people do not want to hear bad news. Rodriguez has predicted stormy times twice. Twice has warned world. Twice seen as fun and as investors abandoned the two funds it manages. Twice he has taken steps to protect their customers from the crisis was coming.

And twice – first with Internet stocks in late 1990, and then with the 2008 financial crisis – Rodriguez has been successful.

As the catastrophe unfolded, the man who mocked once lost one of the hottest markets for life, was anointed as a seer. The Wall Street Journal pointed to Rodriguez as one of the naysayers who did well. Barron’s label made him a prophet. MarketWatch described it as one of the four horsemen of the market.

Rodriguez, CEO of the firm First Pacific Advisors, which manages 16,000 million dollars, is not the type to be satisfied with having successful. Apparently the man who is committed to sharing the harsh reality. It’s as if I had that terrible gift and with that came an obligation to tell the world the coming disaster.

Like most iconoclastic, Rodriguez often feels as if shouting into an abyss. But in the spring of 2009, thought that people were finally listening. Sobriety apparently was back. Leverage is melted. Frugality was again hailed as a virtue. It seemed the world had finally begun to understand the risk.

After a period of rest, Rodriguez returned in January for First Pacific Advisors – just as the CEO – and realized, to his horror and disgust, almost nothing had changed. Risk taking had become fashionable, and the debt burden of the United States, which he believes is the biggest threat that investors face today, had soared. Now, once again, Rodriguez is sounding alarms.

His new prophecy: if we do not fix the budget – soon – the economy is facing a disaster. “I think within two to five years we will have a crisis of equal magnitude or greater than that just happen,” he says. “And it will come from the federal level.”

Bob Rodriguez never liked Internet stocks. As the dotcom bubble in recent years increased from 90, made him nervous to see how companies that lost money were trading at higher multiples than companies that generate large amounts of cash flow. In 1999, described this phenomenon as nothing more than speculation dressed in the garb of investment. With the fear that the bubble burst, began to cut its presence in technology companies.

That decision hurt his back in the short term. The stock fund Rodriguez behaved worse than the rest of the market and shareholders closed accounts. The fund’s assets dropped from $ 800 million to 350 million. Don Phillips, president of research funds from Morningstar says: “There is growing pressure in the late 90′s when people were saying, ‘Bob Rodriguez has been lost. For the love of God, man, you live in California. How can you not understand tech stocks? ”

But when the bubble finally burst, Rodriguez was vindicated: From 2000 to 2002, First Pacific Advisors (FPA) gave a yield of 29% -38% versus the S & P 500. Then, Rodriguez was the toast of the investment world, and the two funds assets accumulated steadily over the following years.

Then in 2005, again began to detect signs of trouble. Rodriguez and his co-manager of FPA, Tom Atteberry, noticed an unusually high number of mortgage defaults in supposedly safe tranches. Quickly began to remove their investment asset class and began to improve the credit quality of its portfolio. In 2006, Rodriguez sold all the bonds of Fannie Mae and Freddie Mac to your bond fund.

Although the mortgage market “subprime” was starting to crumble in 2007, most managers were still fully invested stock. Rodriguez, however, had increased to 40% its liquidity position and invested the rest in oil and gas companies with strong balance sheets. “Many experts believe the housing cycle is at a stable level,” he said in a speech this summer. “We are not of this opinion.” He concluded: “We are willing to bet our company and our reputation for being right.” Once again, investors punished him. In 2007 and 2008, the stock fund was beaten with an output of 711 million dollars.

Like virtually all funds, FPA Capital fell in 2008. But unlike most, had huge cash reserves. As prices plummeted, Rodriguez was able to double your bet on stocks. The result: your stock fund made a profit of 54% in 2009 vs. 27% of the index.

The welfare state is based, according to its supporters, solidarity between generations, classes and regions. Thus, the privileged assumptions of a society help those who are less a transfer of income to be carried out with government assistance. The problem is that there is a limit beyond which this approach starts to get complicated. If no contributors may not have pensions, unemployment benefits or taxes sufficient to pay the entire scheme. It is possible that in Spain we are close to exceeding that limit.

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.