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SCHEDULE CHANGE: Focus on DAYLIGHT SAVING fine of 300 euros

This Sunday March 27, do not forget to change the time of our clocks to daylight saving time.

The DOS am this Sunday, will be the THREE.
This means that we advance our clocks ONE HOUR.

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Cash Flow vs Capital Gain

Investing vs Speculating .

When planning our investment strategy we should consider not only what kind of investment do but rather what type of investor are.

More than anything then there are no surprises, but both equally valid ways to achieve the same objective, to achieve financial freedom.

sure

When we invest capital for obtaining a steady flow of cash (CASHFLOW). It is the example of "living income" and which involves a purchase, almost compulsively, for everyone ACTIVE which puts us within range. Understand, then ACTIVE, and all that good which we reported a profit, let us give little money. Would enter the world announced by Kiyosaki of real passive income.

speculate When we buy is a possible asset that is undervalued and are expected revaluation. The clear example is the purchase of merchandise in a company for resale to the public or the purchase of shares for resale. As in any game, wager or speculation our "ability" based on the way to find a niche market or a potential to buy undervalued assets.

It is possible that this may become ASSETS LIABILITIES undesirable. As an example we can put the unsold merchandise and we have to keep in stock or those stocks that promised not only up and up but also can find more bargain.

RISK.

The risk of course you can that will determine the balance to a more or less profitable. A higher risk or uncertainty, the greater should be achieved profitability. Thus setting up a business can get good returns, more than investing in government bonds (which would also determine which State, right?)

PRICE, PRICE AND PRICE

price determines everything. Here paraphrase D. Antonio Sáez del Castillo . All profitability for the investment and speculation will depend on the price paid for the asset. Even for fixed income returns.

This has a simple explanation is that in the end, it paid (PRICE) directly affects the profitability determined this based on the capital invested.

This article does not wish to make any value judgments about what is best or what should be done but I would like to say well the difference because, as our old friend would say, Gordon Gekko: I play it safe and go to slaughter lambs .

A greeting.

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Mayor of Lloredo Alfoz not tear down the hotel Puerto Calderon

fine of 300 euros

Mayor of Lloredo Alfoz not to demolish the hotel Puerto Calderon
The Contentious Administrative Court No. 1 of Santander has imposed a fine of 300 euros for Lloredo Alfoz mayor, Enrique Breton, by not having brought down the hotel Puerto Calderon in the town of Oreña, within the time given to him for it.
SANTANDER, 18 (EUROPA PRESS)

The Contentious Administrative Court No. 1 of Santander has imposed a fine of 300 euros for Lloredo Alfoz mayor, Enrique Britons, not to have downed Puerto Calderon Hotel in the town of Oreña, within the time that he gave for it.

As explained in an order of the Court, which has had access Europa Press, the hotel is Judgement demolition since September 2003.

The order states that since November 2010 that the City has not been any activity undertaken for the enforcement of the demolition and although it has required the mayor to report on it, his argument does not justify the delay.

therefore the court agreed to impose a fine of 300 euros that will be repeated on a monthly basis while not running the demolition.

against the car, dated March 11, it file an appeal before the same court within 15 days of notification.

PUBLISHED: http://www.que.es/cantabria/201103181834-multa-euros-alcalde-alfoz-lloredo-epi.html

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Japan Earthquake - Earthquake

A week after the earthquake too, and early tsunami warning in Japan nuclear we witness the chain of tragedies we been affecting humans.

Noting the market as a sociological study of the psyche of the masses, and more in this globalized world, we realize how little we are at the strength of nature and how we are easily dominated by fear.

Fear and Greed.

These are the two forces that move financial markets and, dare I say, human society.

The first immediate effect is real and devastating consequences of the force of nature. Unpredictable and devastating, what has made the human being? Run.

The stock market crash to the lace has been bearish bias that began in late February, by the way which really began with the crisis of Libya. Crisis seems going to end, I hope, with a ceasefire.

situation that has not helped, rather contributed media by the amount of misinformation caused, in turn, by too much information search, this must be added the real ignorance about the real risks of nuclear energy use.

I had no idea and I had to catch up, but knew it was dangerous. This increases the risk.

So in short, risk can be defined as the possibility that something goes wrong + ignorance + disinformation.

Hope this helps us to reflect and seek to know preparing for the worst case scenario but never pass or later another 100 years to go. In short time we have been witnessing the worst financial crisis in the history of bubble economy, a crisis in Arab countries (some oil) and now this humanitarian crisis in Japan.

I hope that instead of seeking Turkish heads, are reacting quickly to their aid and learn to be prepared for any worst case scenario, something we will move toward the financial freedom.

Greetings.

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City Neighbors and design the development of Lloredo Alfoz SAN MARTIN DE Ciguenza

17/03/1911 - 00:09 -

LUCIA ALCOLEA and that from now on be called PIDES Plan (Plan Integral Participation Municipal Strategic Development). The meeting brought together social partners, presidents of local committees and associations and the components of the Citizen Forum of the municipality. The first plan has been completed, with implementation over 95%, also including new member activities that have not initially planned for 30% of performances.

The Action Plan II and I PIDES Plan seeks citizen participation reflected in a new document, so that the ideas of the neighbors along with the City Council as manager, possible to launch projects that residents consider appropriate in all areas, facilities, services, equipment, etc..

PUBLISHED:

http://www.eldiariomontanes.es/v/20110317/region/region-occidental/vecinos-ayuntamiento-disenaran-desarrollo-20110317.html

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Council starts improving road of the sewage plant Oreña Alfoz

Santander, March 5 (EFE) .- The City Council of Lloredo Alfoz has begun construction of widening and improving the firm's way of purifying Oreña, to the "neglect" and "lack of response" the Ministry of Rural Development, Livestock, Fisheries and Biodiversity.

Consistory In a statement, the mayor, Enrique Breton (PP), recalled that "has been calling" the Ministry of Rural Development, Livestock, Fisheries and Biodiversity repair this and other roads.

and explained that "at the carelessness and lack of response from the regional body, and as they have done repeatedly in other villages in the municipality itself City Council undertakes the repair and improvement. "

In this case, as the Consistory, this is a stretch of about two kilometers, which has been widened to facilitate traffic, whose firm will be improved, and topped with a all one layer.

"So, little by little, with the municipal effort and in many cases the local boards, will fill the gap left by the regional management by developing major improvements in a network of roads, which are visited daily

PUBLISHED:

http://www.abc.es/agencias/noticia.asp?noticia=718407

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stock Save, save ... by Royal Decree.

And now it has saved, but not desired.

If we think carefully cut a little jam: maximum limit of 120 km to 110 km. Only lack sanctions to know whether this is bullshit or put ...

is found that slow (and reduce speed but not the same) pollutes less and is more fuel efficient, but it occurs more than 90 km as the revs do not exceed 2,000.

Anyway, the story really is remarkable and is giving more importance than it has (and has said it is a temporary measure, although not specified the time)

The fact is that what really bothers us is that we are required by decree ...

But for our heritage is not what you are suffering the English economy (and on the advice of any blog to start doing the opposite of what I say our President) would be interesting to start investing.

Invest?

will call to invest all that we can buy and return a profit.

If you have any questions yet we can remember (those who already have a certain age) the famous game of Monopoly . In this game the goal is the purchase of goods we will report a profit whenever someone falling back into a box that belongs to us. The key assets are real estate but as we are in crisis, it can replace everything else (stocks, securities, business start ups, etc).

financial products that we report the benefit (or even a loss) the difference between the purchase and sale are not investments. Can be potentially profitable business and investment but not as we do not produce any income. Are rather speculative business (it has no negative connotation despite the efforts of some on it.)

Most of the goods we can produce a profit by various means: income, interest, dividends and changes in value. Most likely to benefit many more "value" (not price) should have some good to have you as takeover target.

The idea is to increase our heritage to the quantities purchased by income in income far exceeds our standard of living (own expenses). It's basically the same philosophy of Monopoly: buy as much as possible, because higher incomes possess.

In short, is to increase the speed limit of our heritage to be able to get to cruising speed drive towards our financial freedom and belonging to Millionaire Club.

A greeting and do not run with the car.

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The PSOE denounces' despotic attitude "of the PP

The Socialist Group in the City of Alfoz of Lloredo reported yesterday, Saturday, the "undemocratic and despotic attitude" of the government team (PP), by the way they are held and commission the full information in order " hinder the participation of opposition parties. "

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New year, new portfolio


I know that this post should be published much earlier. He also said I would update my portfolio every week, something that neither I met. It builds me the job.

Well with the entry of the new year had to do Balance of 2010 and was not very comfortable because of the development taken in the year of my investment portfolio even if India managed to beat the 35, but just barely.

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weight made the difference I made up for both Gas Natural and Coca-Cola. And is that banks still did not take off due to exposure real estate risk and the eyes of regulators in them. So change of scenery.

Again, by fundamentals, I chose four English companies (Coca-Cola will add to the exhibition and keep) that promise.

these years of crisis in their benefit has continued to grow steadily, maintained a low P with a mean of 5 years, maintain adequate financial conditions and more diverse investment sectors. Also looking to have a more balanced portfolio and a value no dominion over others. In short, more diversification.

Abengoa and REE, are in the energy sector. Grifols

in the medical sector.

Indra in the technology and communications. Coca-Cola

in the power sector.

we will see how the portfolio.

A greeting.

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Plutomanía or plutonomy, West

are almost identical but both terms can be understood as diseases of our time, though not identical.

The first is as mental illness in which the patient may be held by the delusional belief that is very rich or want in an obsessive way wealth. For the Greek god Pluto, god of wealth.

The second, which is a term coined by Citi Group, means the concentration of wealth in the Western world in a few to create a small pocket of very, very rich, in this situation 10% of the population concentrated 90% of the wealth and leaving the vast majority, 90%, only 10% of wealth. It's the economy of the rich (or rather of the very rich) and derives from the contraction of the words Pluto and Economics. It is considered, after the outbreak of the crisis, the great sickness of the West.

In the East, both near and far, has always existed and hence the wave of protests and riots to which we are witnessing.

We are surprised to know (now because everything has blown up) how the people are rebelling against "kings" who have ruled their countries with an iron hand, impoverishing citizens and enrich themselves and their families. And to prepare those who may be about to fall.

remember that this happens in the Middle East (and in China is also preparing something, time will tell) because they concentrate wealth are the same as those that concentrate political power and as such is easy to identify who they are "pushed around" in a word that everyone can understand.

In the West, where there is Plutomanía because we believe wealthy compared with the East, we do not realize that it also has established the plutonomy. In a recent article in elEconomista.es in recent years has deepened the gap between rich and poor. The main cause is alleged financial deregulation. I would argue that the main reason is that mental illness called plutomanía.

Why? Because we have been led to believe that we can be rich to the core buying, spending and wasting money that could be saving in these last 5 years (2001 - 2006) of economic prosperity. This disease, Plutomanía, is what has been establishing in the working population thought that giving equal the price was always an investment to buy an apartment, rent was a waste of money. As an example of what we have to do The founder of the popular property portal idealista.com would buy a house "tocateja" that under article Santillana, lived 20 years of rent until he has been able to buy a floor because, make no mistake, a mortgage if it was a waste of money.

All this we have cooked us all alone and now we eat it with potatoes touches (if any).

Now, say our politicians feed entrepreneurship plays when they have been the first to criticize and stoned the self-employed entrepreneur in Spain (I understand to placate his working-class voters, those who now are unemployed.) Because, in my opinion, they have no idea how to create jobs or how to make money, nor that they had neither the no (placing debt). With a little embarrassed and in a hurry now we feed the entrepreneurial spirit. I hope that at least a little embarrassed because the rush already have them.

not really know which of the two is the real disease of the West, but personally I think the one, the Plutomanía, causes the other, the plutonomy, and I think now up to discover that we are not so rich causing more than one a headache. Do not let the blame has been able to "do their homework" and let's us do ours.

A greeting.

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Novales The social housing will be drawn in March

public company Gesvicán build social housing twelve general scheme Novales, Alfoz of Lloredo. According to the local mayor, Enrique Breton, the draw is scheduled for next March 10 at half past eleven in the Socio-Cultural Center

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disease Fossilization of a business model: Reflections on Cinema

Accustomed as we are to stardom actors, directors, animators and other staff conducting films today we get to say Mr have starry but still do not know, but something smells.

is not for lack of quality in production, or lack of human talent (in the animations too much human talent), or by a current projection system, the model simply does not work.

In a world where we used to see (well not so much to see or watch) so many films, both films, which proved to be a dramatic and awe invention which was worth paying to get in to see why thousands of sensations and feelings films condensed in 2 hours (the format of 1 hour and a half is relatively recent to be more commercial) now no longer has the same "VALUE" .

With the advent of HD TV, and broadband, cinema is still spectacular but only for the romantic (I still remember with heartfelt emotion of my short pass on a big screen, and the feeling is cuasimágica).

I have become, it has become, we have become (do not care, the result will be the same), in a more consumer product not "worth" that may "pay" for it . Here we can indeed say that the price-value is not equivalent and is, I believe, the cause of the gradual disappearance of spectators in the theaters. Every time you go to the movies less, here and in countries where the laws "piracy" are tougher. The ship is sinking and disputes over who is to blame and not take it anywhere. Run for your lives!

is particularly interesting opinion piece (perhaps self-criticism) of Isabel Coixet Country which I highly recommend reading.

A greeting.

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OFFICIAL HOUSING PROTECTION NOVALES

OPEN PROCEDURE NOT SUBJECT TO ADJUSTMENT FOR HARMONIZED LACONTRATACION WORKS CONSTRUCTION OF 12 HOUSES, GARAGES AND STORAGE OF OFFICIAL PROTECTION SYSTEM IN GENERAL NOVALES (ALFOZ Lloreda) .

1). Procuring entity

a) Agency: Housing and Infrastructure Management in Cantabria, SL (GESVICAN, SL)

b) Unit that handles the file: Housing and Infrastructure Management in

Cantabria, SL

c) File Number: V 02 / 11

2). Object of the contract
a) Description of object: construction of 12 houses, garages and
Protection Officer General Conditions Novales (Alfoz of Lloredo)
b) The site: Cantabria
c) Lead time: 16 months
3). Procedure: open
4). Procurement base budget: 1,614,233.31 .- € (VAT included)
5). Provisional bond: NO
6). Obtaining documents and information: The Web of Gesvican (Contracting
Profile)
a) Organization: Housing and Infrastructure Management in Cantabria, SL
b) Address: Miguel Artigas 2-4, floor 5 th and 6 th, 39002 - Santander
c) Telephone: 942318980
d) Fax: 942318981
e) Web: www.gesvican.es
f) Time limit for obtaining documentation: February 26, 2010
7). Specific requirements of the contractor:
a) Classification: Group C, Subgroup 1 to 9, Category and
b) Economic and financial and technical or professional: It is credited with the required classification

8). Submission of tenders:
a) Submission deadline: February 28, 2011, until 14:00 hours.
b) Documentation that integrate the supply: see specifications
c) place of presentation: as in paragraph 6
d) Period during which the tenderer must maintain the tender: 3 months
9). Opening of tenders
a) Entity: as in paragraph 6
b) Date: Indicate through Gesvican Web (Contractor Profile)
c) Time: Indicate through Gesvican Web
10 .) Ad spending: the contractor shall bear
Published in:
1). Procuring entity
a) Agency: Housing and Infrastructure Management in Cantabria, SL (GESVICAN, SL)
b) Unit that handles the file: Housing and Infrastructure Management in
Cantabria, SL
c) File Number: V 02 / 11
2). Object of the contract
a) Object Description: construction of 12 houses, garages and
Protection Officer General Conditions Novales (Alfoz of Lloredo)
b) The site: Cantabria
c) Lead time: 16 months
3). Procedure: open
4). Procurement base budget: 1,614,233.31 .- € (VAT included)
5). Provisional bond: NO
6). Obtaining documents and information: The Web of Gesvican (Contracting
Profile)
a) Organization: Housing and Infrastructure Management in Cantabria, SL
b) Address: Miguel Artigas 2-4, floor 5 th and 6 th, 39002 - Santander
c) Telephone: 942318980
d) Fax: 942318981
e) Web: www.gesvican.es
f) time limit for obtaining documentation: February 26, 2010
7). Specific requirements of the contractor:
a) Classification: Group C, Subgroup 1 to 9, Category and
b) Economic and financial and technical or professional: It is credited with the required classification

8). Submission of tenders:
a) Submission deadline: February 28, 2011, until 14:00 hours.
b) Documentation that integrate the supply: see specifications
c) place of presentation: as in paragraph 6
d) Period during which the tenderer must maintain the tender: 3 months
9). Opening of tenders
a) Entity: as in paragraph 6
b) Date: Indicate through Gesvican Web (Contractor Profile)
c) Time: Indicate through Gesvican Web
10 .) Ad spending: the contractor shall bear
Published in:
http://www.gesvican.es/PerfilContratante/licitaciones.aspx

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Japan and Spain. Balance, 2010

It's amazing how things are, how people are, how we are. In the Blog Dalamar read something very interesting about the clash of cultures.

is a real comparison on the ground as I live on land Dalamar Nipponese, by the way, good luck out there and do not forget to follow tell how it goes.

most curious was to reflect on what we saw here in Japan. For example:

- Falling asleep in meetings or work was well seen!! because it is understood as a response to that work hard for the company and that's good.

- There after finishing the race you have to find employment, OBLIGATIONS, otherwise you are frowned upon (I guess as a bad worker) and not easy to find jobs. It's so frustrating that some end up committing suicide by the pressure.

- Work is a blessing for the individual and presents you as a society to be respectable and productive.

In Spain.

- must do as you work, both in front of the head as peers, whether real or not. And if you're at work (and you're good) you have to continually complain about the boss, schedules and colleagues who are not present.

- This does not matter if you're prepared or not because most of the time by companies hire you for a lower level than you have to contribute less. Otherwise, a race is done not by passion (usually done because everybody does or does not work) missing out all the possibilities offered by the educational system (is cheaper than in other countries and provides many opportunities for access to culture) and of course results in many graduates in the average to low.

- A great place to live the story and not stick or plate, the better. Finally

perhaps none of the two cultures have the solution to our problems (both cultures have their own) but surely we can learn much from each other.

Greetings.

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The judge granted the license to build in the 'Villa of the diocese' by Lloreda

The Contentious Administrative Court No. 2 has estimated the resource Santander brought against the City of Alfoz of Lloredo by urbanization the "Villa of the diocese" in Cóbreces, and stated that the developer has obtained a license applicant works "administrative silence" of the Consistory.

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Cóbreces ALFOZ: The catalog of rustic, a public exhibition against the rising power

City Council already has Alfoz of Lloredo on public display for those wishing to consult the newly developed catalog of buildings in rural land approved in the last full year and aims to facilitate the change of use of existing housing stock and enable them to carry out works that have not yet been implemented.

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What have we learned from 2010?

Perhaps most interesting to take stock of an entire year is that we can observe our situation with a little distance. We can see the situation as if they had been our decisions but of a friend who asks for advice, why?

so that we can say without the inherent risk to justify all our actions coming, many times, to justify the unjustifiable. It happens, yes, I admit.

As an example I wish to propose first to Mr. Ram Bhavnani. Admittedly, I have much appreciation and admiration. Among other things because it is elegant enough when, in due course, he acknowledges that his model work, many success has brought in more than 20 years, has been totally ineffective in this crisis . Both was the drubbing suffered virtually the entire profit realized from the sale of Bankinter has been lost this year. Of course sometimes things as they come, they go. Still, what I admire because he has not reflected losses in their accounts (this means that, in general, won more than that obtained only with the sale of Bankinter). Leverage or debts are dangerous (ojo! did not say bad but dangerous, very dangerous).

On the other hand we have Warren Buffet . So I put as an example but with a slightly different investment style. This year was not that particularly good for him, though has been a year of follow purchases (as 2009). We all know that if your business is in the bag and the bag is wrong, you end up falling with her (if I know that there are "tools" to bet on the floor, etc, etc, but my position has always been clear about those tools, the farther the better). The rules provided that he would work are: a good dose of patience, common sense and not investing more than it earns . These are the tools that Mr. Buffet has managed to keep in the gap for another year.

As for me, what I can say ...

Of course, not to compare with those two big stock market investment, no. Just ponder aloud. As a lesson I have learned that the bag must have patience, it investment models must be tailored to individual needs and not have them as immutable truths, and that the money spent is money not needed (no more than one 30% of admissions per month). The clearest example of adapting the method is applied to the DCA. In the current situation, not because I have gone wrong, so I modified slightly So when I've been a certain amount invested, to take advantage of moments of Black Friday in the stock to invest at least 10% of what has been invested. Not enough to invest the same amount as always, the average is barely noticeable. Thus these conclusions emerge:

A-one must have a business or work to implement the periodic investments in the stock market, income is not worth living because there is sufficient capital,

B-is better be saving up a number of interesting (I have found my size in saving at least up to 10% of the investment to average) and seize the moment bassist

C-

when investment is crucial (or Warren or Bhavnani are investing forever but they do when they believe the time is ripe for it). As a moment to enter a value are: the average price of the investment, if we have the courage, or the PER of the PER is less than half of the last 5 years, if we are not in it,

D-

finally enjoy the simple joys that life gives us and our and do only what they want to do, everything else is a waste of time, including seeking financial freedom because if you're happy, all otherwise spare.

Greetings.