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The Shopping basket will have strong increases

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On October 05, 2008

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The Shopping basket will have strong increases

 

The Shopping basket will have strong increases

   

   Deutsche Bank has prepared an interesting report in which a few prognoses of strong increases are done as for the Shopping basket in the next months. It tells us The World, which according to the report, the companies dedicated to the feeding, they have contemplated as they have diminishing the commercial margins, due to the increase of price of the prime matters throughout 2007.

   These increases in the costs will have to take them in the latter months of the year to the consumers. But these increases come in a bad moment, since in Spain there is a decrease or the less a soft deceleration of the consumption. In this sense there will be the strongest and consolidated nutritive companies those who will be able to take more easily the cost increase to the consumers.

    The increase of prices that the citizens suffer in basic food, due to the increase of the prime matters, is very questioned and a criticism object.

   Diverse organizations that work straight with the consumption, have detected that the prices of basic food are suffering an excessive increase that cannot be explained or justify itself for the increase of price of the prime matters. And so, FACUA, the Consumers' Federation in Action, has denounced the CNC, the National Commission of the Competition, the excessive increase of the prices. The formation of the recommended retail prices, they can be distorted, since it goes out of logic that for example the milk, a basic and essential food has raised 20 % in three months. You prop OCU, the Consumer society also prepares a denunciation before the excessive increase of the price of the bread.

   The increase of prices of the prime matters seems to be the perfect excuse of some food manufacturers to get dearer excessively his products. Essential or very important products and that always are present usually in the cars of the buy can go so far as to rise up to 10 %. Esteban Farrero Bimbo president announces that his prices will raise 4,5 %, since the cereals are reaching the highest prices and specifically the flour, it has raised 70 % in one year. Bimbo has raised 4,5 % his prices in October and it will do it again in January, with what one comes to 9 %.

   The price of the juices they seem to continue the same way. García Carrión exhibits that having raised the prices of the peach, the apple and the orange, his juices must have increased his price in 10 % and that also in 10 % Don Simón will raise the wine.

   Paschal milk also will raise the price of his juices, and the group Danone reckons to raise between 4 % and 6 % his products for the origin milk to have got dearer as affirmed Javier Robles, president of Danone in Spain.




Enlaces_articulos

Articles

The Eurogroup meets to face of form joined the crisis
(13-10-08)
Germany does not see positive that the BCE raises the interest rates
(30-6-08)
Pedro Solbes points out that Spain is far from an economic crisis
(30-5-08)
They raise the mortgages, raise the food, raise the fuels
(17-5-08)
The government will help in the enlargement of the term of the mortgage
(20-4-08)
The IMF glimpses a very negative economic horizon for Spain
(15-4-08)
The CNC opens sanctioning records against several food companies
(2-4-08)
Trichet removes the possibility of reducing the interest rates
(27-3-08)
The principal central banks of the world will award liquidity
(16-3-08)
Visa wants to go out in bag
(25-2-08)
What is the OCDE?
(19-2-08)
The surplus of the Social security will be superior to 8.000 million euros.
(14-2-08)
The sudden fall of the demand of the housing has to close 40.000 agencies.
(17-1-08)
The Minister of Labour and Social Affairs speaks about the march of the economy and of the work
(9-1-08)
The inflation reaches 4,1 % of interannual change in November
(18-12-07)
The slowness valuation for stopping paying the quota of the mortgage increases.
(10-12-07)
The second consecutive descent of the Euribor. In November it lowers 4,607 % (2-12-07)

File

November, 2007
October, 2007
September, 2007
August, 2007
July, 2007

It knows

International Monetary Fund (IMF)
The European Central Bank (BCE) and the interest rates
It knows what TAE is
What is an OPA?
(18-10-07)
It knows what the inflation is
What is to inject money?
It knows what the GDP (Gross National Product) is
It knows the commissions that can receive the financial institutions
The oil and the OPEC
What is the euribor?
The appraisal of the housing
What index is better, IRPH or Euribor?
Multidivided mortgage
He mortgages bridge
Inverse mortgage
You mortgage to 40 years: Are they interesting?
You mortgage garbage
Information and advices in the acquisition of a housing
Our mortgage to fixed or variable interest
Differences between property development company, constructor and real estate office

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IRPH It leaves your comments 26-10-2007



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THE IMF is alert on a fall of the price of the housing in 2008

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The saving Valuation in 10 % of the revenue

 

THE IMF is alert on a fall of the price of the housing in 2008

 

   The International Monetary Fund checks the casualty the forecast of growth of the Spanish economy and places it lowering it in 7 tenths, in 2,7 % in 2008, Undoubtedly, it has clear relation with the important deceleration that is suffering the sector of the housing, alerting this way the IMF, that the prices of the housing in the Spanish State might fall down in 2008. Less negatives are the forecasts of the government, since they support them in 3,3 % adding that the price of the housing will only suffer a soft landing.

   The American real estate crisis due to the high promotion of mortgages suboccupies first place, it has created and it is creating serious problems of liquidity to important banks, with what the IMF has turned out to be forced to reduce significantly his economic growth forecasts for the whole Europe.

   East 2,7 % of growth of the Spanish economy that the IMF foresees is removed from the growth forecast for the end of 2007 that places it in 3,7 % coinciding with this case yes with the forecast of the government that places it for the end of the year between the stripe of 3,7 % and 3,8 %.




City Finance It leaves your comments 22-10-2007



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El Corte Ingles will open soon four shopping centers

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On October 17, 2008

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On October 16, 2008

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Esther commented

On September 10, 2008

    I as the last comment wanted to know the date of opening of the Center for that they reckon to open in Rome. Thank you....

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On July 05, 2008

    I might find out about the estimation of the date of opening of the centers of Milan Roma. Thanks for everything. Attentively...

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On May 10, 2008

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On April 28, 2008

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El Corte Ingles will open soon four shopping centers

 

El Corte Ingles will open soon four shopping centers

   

   El Corte Ingles wants to come to all the cities and soon and before it ends 2007 will have four more big shopping centers open and will reach this way the number of 71. Of this important quantity 69 are placed in Spanish cities and two abroad, specifically in Gaia (Oporto) and in Lisbon. Also it is provided with 36 large supermarkets called Hipercor and an important number of shops specialized like travel agencies, do-it-yourself, computer science, the famous Opencor, etc. The cities that join the list of having an English Cut and that will be able to enjoy this European department stores leader are Guadalajara, Jaen, Leganés (Madrid) and Elche (Alicante).

A little of history

   Ramón Areces Rodriguez in 1935 buys a small tailoring that there was born in 1890 called "El Corte Ingles" that was in the street Boasted in Madrid. It moved to his business the ideas and skills of sale that were practised in the United States and Canada. In 1940 it moves his business to the corner of the streets Boasted and Tetuán and in 1952, turns into Corporation. In 1962 the second establishment is opened in the Square of Catalonia of Barcelona. In 1989 Isidro Álvarez, nephew of Ramón Areces, takes the presidency of the English Cut In 1995 it acquires Galleries Boasted that had suffered serious economic crises finishing of payments suspension. With the Galleries acquisition Boasted the number of centers of the English Cut increases spectacularly, since it adds 24 more.

   El Corte Ingles wants to keep on growing and to spread to other foreign cities. He wants to open soon a center in Cascais (small city of Portugal to 25 km from Lisbon and to 2 km of Estoril and that it limits on the West and on the South with the Atlantic Ocean). This way, already there will be 3 centers in Portugal. But his extension does not end here, because it is ready to make way for him in Italy, specifically in the cities of Milan and later in Rome.

   At present El Corte Ingles is a corporative group. In addition to the department stores El Corte Ingles, there has the large supermarkets Hipercor, the agencies Viajes El Corte Ingles, the shops Computer science El Corte Ingles, the services of telecommunications Telecor, the wholesale company of products and computer services You Unsee, the publishing University student Ramon Areces, the brokerage of insurances Cess El Corte Inglés, the insurances The English cut, the financier El Corte Ingles, the shops Opencor with the motto of open shop 365 days of the year for 18 hours, the Service stations Supercor, the chain of supermarkets Supercor, the chain Sfera that are shops specializing in fashion and complements, and Bricor that is a chain of shops specializing  in decoration, baths, kitchens, do-it-yourself, carpentry and garden.




City Finance It leaves your comments 22-10-2007



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To unify debts

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The Government will protect the consumers in the debt reunification

 

The Government will protect the consumers in the debt reunification

 

   The reunification of the debts is an economic resource more and more used by the consumers, on having meditated that every time his indebtedness level is major and that the income that must destine to satisfy all his creditors is every time major, remaining every time with less margin of free money.

   The monthly quota of mortgage that it is increasing in every review thanks to the increase of the values of the Euribor and other indexes of reference of mortgage loans; the payment of other loans, like the car, that of the furniture; the debts of the cards, more and more used to be able to end the month or to be able to buy what we wish and the only possibility is to resort to the card to finance it, there are some of many debts that we can go so far as to have, and that for each of them we pay his respective interest. In this sense they appear an important quantity of announcements and of references on the debt reunification.

   Generally it is a question of joining all the debts and of generating only one quota in which it is quite included. On having had the mortgage, it is possible to increase this one and with this new capital to pay the remaining debts or loans. The quota of our mortgage will increase, but in return, we will not have already to pay the remaining loans and also we will have reduced greatly the entire quantity that we needed to pay everything. Making use of this indebtedness conjuncture many intermediary entities between the consumer and the banking institutions offer his services with very attractive promises for those that one feels much drowned with his debts.

   The government is going to try to protect the consumers who request the services of these intermediate entities across a law. These are his intentions because a law draft goes to remitirá to the Council of the State to protect the consumers and to regulate the activity of these entities that devote themselves to reunify credits. This way it was advanced on the 16th by the secretary of the State of Economy, David Vergara. Now they are entities will have to be more transparent.

   One looks that the consumers always know what they hire and of unifying the requisites that must fulfill the credits to the consumption, the mortgages, so that the requirements are the same with independence of the entity in which the loan is realized. After all these intermediate entities would have with the law the same obligations that have the banks and savings banks.

   The entities will have to register in the autonomous regions and a state record will be created in the National Institute of Consumption. They will not be able to apply quantities superior to those who stem from the corresponding tariffs and the commissions that charge will answer to services really given or to the really caused expenses. One will force them to reflect his tariffs in a leaflet and that they have a bulletin board in the establishments opened to the public. If there is indicated the amount of the credit or cost, they will report also on TAE (Equivalent Annual Valuation) and will have to formulate the consumer of a binding offer.




City Finance It leaves your comments 18-10-2007



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OPA Endesa

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It reaches the OPA on Endesa

 

It reaches the OPA on Endesa

 

   The OPA on Endesa takes already two years being a news in all the newspapers, Internet radio and television and finally it has come to his end. It is interesting to know the history of this so famous OPA and which are his last information.

  First was object in 2005 of a hostile OPA, on the part of the company Natural gas. On February 3, 2006 the government gives the approval to this OPA, marking a few conditions, because he thinks that it will not generate problems of competition and that it would be good to come to a better Spanish position in the energy sector.

 Central head office of Endesa. Building Endesa, in the field of the Nations (Madrid).

   On February 21 the German electrical company E.ON enters game with a Contra-OPA. This one was not hostile, but friendly, therefore it was provided with the agreement of the high dome of Endesa. It was differing from the OPA of Natural gas in which there would no be regulation records and would be invested in the Spanish electrical sector. But ENEL appears offering his help to Natural gas so that it will relaunch his OPA.

   The companies Enel and It Gesticulates they are those who close the OPA on Endesa. They presented it on Wednesday, the 11th of October before the national Commission of the Stock market (CNMV) at a price for 41,3 euros for action, what supposes paying 43.726 million euros out.

   Enel and It Gesticulates they have the control of 92,06 % of the capital of Endesa. Across the thrown OPA they have obtained 46,05 % of the capital of Endesa, if we add this to 46,01 % that Enel and his powerful ally Acciona were already controlling we come to the number of 92,06 %.

 




City Finance It leaves your comments 18-10-2007



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OPA

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What is an OPA?

 

What is an OPA?

 

   OPA means Takeover bid and it is a question of an operation realized on the stock market by means of which a buyer or a society expresses publicly his desire to buy a part or the totality of the actions of a company that it is quoting in bag. In fact one tries to take the control of the company therefore if it is not desirable to acquire the totality of qualifications of the affected society, one will try to buy a very important bundle in order to go so far as to have a domineering position in the company.

   The public offering to buy the qualifications to the shareholders normally is at a price bigger than that of his quotation in Stock Exchange with the target to favor the voluntary acceptance. She is named an affected society, to that one on that one tries to take the control with the acquisition of his qualifications.

   Generally a previous agreement exists between the leading high places of the affected society and the offerer who is the person or society who has desires to acquire the actions of the society. If this agreement exists we will be speaking about a friendly OPA, if the previous agreement does not exist we are before a hostile OPA.




City Finance It leaves your comments 18-10-2007



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Euribor

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On November 08, 2008

    HELLO WOULD I LIKE KNOWING IF IRPH OF BOXES IT IS GOING TO GO DOWN FOR THE NEXT YEAR? I HAVE THE REVIEW IN FEBRUARY AND IN AUGUST, EMPEZE 960 EURO Y...


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On October 02, 2008

    HELLO I WOULD LIKE KNOWING IF THE EURIBO IT GOES IT IS TO GO DOWN I WAS PAYING 630E AND NOW I PAY 887 I WOULD LIKE IF THERE WAS GOING DOWN ALL THAT I KNOW I WOULD HAVE LEFT THE CUO...

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On April 30, 2008

    hello, I would like knowing the evolution of the irph of boxes in 2008, up to abril.gracias...

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On November 05, 2007

    GOOD MORNING: I WOULD LIKE KNOWING THE FORECAST IN THE EVOLUTION OF THE IRPH FOR WHAT IT REMAINS OF YEAR AND FOR 2008. THANK YOU VERY MUCH...

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The saving Valuation in 10 % of the revenue

 

The Euribor can go down for the first time in October for 2 years

 

   The increase of the price of the money, that is to say, the interest rates, which affect straight in the increase of the IRPH (Indexes of Reference of Mortgage Loans) coincide obviously with an increase of the valuation of slowness of the credits granted for the acquisition of a housing. This way the slowness overcomes 0,5 %, value that had not reached from 2004. To enter the accounts of the slowness, it must overcome some of the quotas three months as unpaid. The valuation in 2006 closed with a percentage value of 0,41 % and this number has been overcome in the first trimester in 12 hundredths, to be located in 0,53 %.

   It is a fact that it is necessary to bear in mind, although it cannot to be considered to be alarming, especially when the BCE, it seems to have relaxed his intentions of raising the price of the money and of supporting 4 %. The suspense of the American real estate crisis that seems that it could have aftereffects on a global scale and whose effects might turns with more hardness in 2008, there seems to be the causer of whom the types are supported. The index of mortgage referecia most well-known and afraid by many families, the Euribor, notices the last incidences and the decisions of the European Central Bank. It seems to pacify his impetus, and momentarily to move away the casualty of the value with which September ended, 4,725 %. If October was ending with a value lower than that of September, it would be the first time that descends from September, 2005, already two years ago, which one placed in 2,220 %, descending three thousandth from the value to which August, 2005 ended, 2,223 %, since then it has not stopped climbing.

Graph and information of the euribor from January, 2005, until September, 2007.

 

Euribor 2005 2006 2007
       
January 2,314 2,824 4,064
February 2,308 2,914 4,094
March 2,333 3,106 4,106
April 2,27 3,219 4,253
May 2,195 3,306 4,373
June 2,105 3,399 4,505
July 2,167 3,533 4,564
August 2,225 3,614 4,666
September 2,223 3,709 4,725
October 2,415 3,791  
November 2,679 3,858  
December 2,78 3,915  

 




City Finance It leaves your comments 16-10-2007



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Google

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Google increases 600 % the capacity of his computers.

The actions of Google overcome 600 dollars.

 

   Google has improved of very important form the capacity of his computers in order to the center of the network turned and of conquering Internet, if it has not already conquered it. This way us The World counts the newspaper; the searcher increases 600 % the capacity of his machines.

   Vice-president Marissa Mayer has told to The World that Google earlier when it was clicked in him was doing only one search but now it does several searches at the same time and offers in every search turned out not alone of webs, but also of images, maps, blogs, news, videos and maps.

   One of the most attractive characteristics that the famous searcher offers, is the combination of a big simplicity of his pages, a big functionality. Binomial difficult to manage, but that Google presents and offers without any type of problems.

Googleplex. The complex of Google, the United States is, in California. Specifically it is in Amphitheatre Parkway 1600 in Mountain View, County of Santa Clara.

   Simplicity on his pages, facility of use and big functionality they define perfectly Google; attractive factors that have led the searcher to an extraordinary and unstoppable success.

   Many critics point out that Google is an only one gigantic company of publicity, since it invoices many million dollars (2.170 of the 3.077 of net profit that obtained in the exercise 2.006) across his sponsored linkage. On the other hand, his persons in charge, they defend themselves of está criticism, affirming that Google in fact is a company of information, as points out his vice-president for engineering, Douglas Merrill.

   The true thing is, that company of publicity or of information, his success is unquestionable and practically nobody conceives Internet without Google, turning this one, in a big reference to the users who gain access to the network. The number 600 has chasing Google lately, since if 600 % increases the capacity of his machines, his actions also have already overcome 600 dollars. It reached this number on October 8.

   Google made debut in bag on August 20, 2004, obtaining an increase of 21,53 % the first day. In less than one year it trebled his value and in October, 2007 it can already be said that it has multiplied by seven his value since it started by costing 85 dollars the action in his début in bag in the Nasdaq. It seems that roof does not exist for Google and the analysts believe that they can come to 700 dollars during 2008.




City Finance It leaves your comments 15-10-2007



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