Jul 22, 2010 @ 08:39 am by Angel Javier
California; estado de EEUU casi en bancarrota.
Su gobernador; Arnold Schwarzenegger.
En una ciudad de California, en concreto Oakland acaban de aprobar el cultivo de Marihuana a gran escala para de alguna manera, financiarse.
Bueno, esta forma de financiación resulta que ya sabian de ella los narcotraficantes, pero nunca se les tuvo en cuenta su linea de negocio, hasta ahora.
Hemos empezado por Oakland, y si les va bien supongo que abierta la veda, se unirán más ciudades, estados, naciones…
Se les acaba el negocio a los narcos. Supongo que tendrán que reconvertirse; la polÃtica y su entorno, por ejemplo, no difiere mucho de sus formas de actuar por lo que podrÃa ser su camino natural.
Hemos dado con la sulución a la crisis. A comprar lamparas de alta potencia donde no haya sol, y manos a la obra.
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Jun 20, 2010 @ 08:55 am by Angel Javier
Ene 11, 2010 @ 11:46 pm by Angel Javier
En varios post de este blog habreis leido alguna vez comentarios sobre la dudosa labor de las agencias de calificación.
Dudosa porque no fueron capaces de detectar a tiempo la crisi subprime. Es más, incluso animaban a invertir en los productos que generaron la crisis.
Hay indicios también de que recomiendan uno u otro valor según sus intereses o de quién les paga.
Me he cansado de decir que nada de hacerles caso a la hora de invertir, unicamente que querais perder vuestros ahorros.
Pues bién, por primera vez, 2 agencias de calificación, en concreto Moody´s y Standard & Poors han sido demandadas por el fiscal general del estado de Connecticut porque sus calificaciones de productos financieros estaban corrompidas por su deseo de ganar lucrativas retribuciones.
Con esta demanda se pretende que ambas agencias dejen de engañar a los consumidores, sean penalizadas y devuelvan el dinero obtenido de manera ilegal.
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Oct 11, 2009 @ 03:08 pm by Angel Javier
FACUA denuncia a 24 empresas por cobrar a los consumidores las consultas y reclamaciones en los teléfonos con prefijo 807
Estas son las empresas en cuestión:
- Air Europa
- Easyjet
- German Wings
- Iberia
- Meridiana
- My Air
- Ryanair
- Spanair
- Transavia
- Vueling
- Wizzair
- E-Dreams
- TGV-Europe
- Viajes Ecuador
- Halcón Viajes
- Blizzard Entertainment
- Buubly.com
- Credito-online
- Pixmania-Pro
- Databecker
- Hispavista
- Venca
- La Redoute
- Pepecar
Si entre todos denunciamos a las empresas que quieren lucrarse fraudulentamente a cuenta de los consumidores, sabremos a donde acudir la próxima vez que necesitemos un servicio.
Algún dÃa empezaré con las comisiones bancarias, que también tienen telita.
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Jun 16, 2009 @ 12:32 am by Angel Javier
En las bolsas europeas más importantes que la nuestra cuando operamos en futuros la horquilla entre el precio de compra y de venta está muy próxima.
Por este motivo podemos coger una posición sin un gasto elevado.
En la bolsa española hay que saber escoger los valores más lÃquidos para que no se nos vaya una importante cantidad de dinero nada mas posicionarte.
Aún encima de cobrarte la comisión te “cobran” el importe equivalente a la horquilla.
Vamos, hablando claro, que si quieres comprar 140 contratos de futuro sobre Iberdrola Renovables, y la horquilla está en ( 3.26 / 3.31 ) ya entras en la posición perdiendo sin que suba ni que baje el valor, unos 700 euros más comisiones.
Los señores de Meff deberÃan esforzarse un poco en arreglar el asunto, por otra parte, en su propio beneficio, porque picas una vez y nada más Santo Tomás.
Sin que me olvide, rogaros encarecidamente, y por vuestro bién que no opereis nunca en valores o futuros donde haya muy poca liquidez, por el bién de vuestro bolsillo y de vuestra salud.
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May 26, 2009 @ 05:40 pm by Angel Javier
La fórmula que han buscado ahora los bancos para hacer liquidez es ofrecer a los clientes a los que han vencido los depositos, acciones preferentes.
Puntos a tener en cuenta:
- las acciones preferentes son de por vida; es el banco el que las finiquita cuando estima oportuno.
- si un año, el banco no tiene ganancias (como va a pasar durante varios años en los bancos y cajas que están emitiendo acciones preferentes ) el tenedor de las mismas, no ganará nada durante ese año.
O sea, que ese 7% que te ofrecen se convierte en un 0% , ese año.
- no cotizan en ningún mercado por lo que si se quieren liquidar se puede perder dinero sobre el capital inicial invertido.
- si el banco quiebra, la pérdida para los tenedores de acciones preferentes puede ser importante.
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Abr 23, 2009 @ 02:52 pm by Angel Javier
Tenemos que abrir los ojos ante la crisis. Siempre han aumentado los fraudes. La gente quiere sacar dinero a toda costa y se crean las mayores artimañas, y claro, acostumbrados a un periodo de bonanza donde todo el mundo tiene mas de todo provoca que andemos más confiados ante todo.
Lo malo es que siempre pagan justos por pecadores. La fama la llevan los rateros de siempre, la gente vulgar, los inmigrantes. Pero parece curioso, pero aprovechándose de la banalidad y pasotismo de la justicia española ( que pide una reforma profunda), y la fama que está cogiendo de que en España se favorece al infractor sobre la vÃctima, los principales “ladrones” que han pululado y pululan durante este periodo han sido ciertos polÃticos, alcaldes, directivos de empresas, bancos, vamos los “supestamente ricos ” que se que quejan de la inseguridad y del miedo a perder sus pertenencias que han obtenido de una forma un tanto dudosa.
La gente en época de crisis va al paro y muchos se amparan en las academias de formación para buscar un empleo por el estado. Hay que mirar mucho porque estas si tengo constancia que hacen lo que sea para rematar la faena y captar los pocos recursos que le quedan al ciudadano honrado.
Lo que parece mentira es que el gobierno no haga nada para acabar con estas estafas fraudulentas por parte de las academias de formación. Además solo hay que ver el periodico con los anuncios que ponen sobre que se solicita miles de personas para personal funcionario que no se los cree nadie y nadie toma cartas en el asunto.Y para muestra un botón sobre una información que me ha mandado un amigo de Galicia, sobre una academia que supuestamente prepara gente para el SERGAS y te ofrece en la entrevista 25 veces más plazas de las que luego salen y CEMAD en Madrid.
Os animo desde aquà a que denuncieis más casos que os hayan pasado y yo me compromento a publicarlos en esta web y ya que el gobierno no hace nada para atajarlo, pues por lo menos ayudarnos entre nosotros y prevenir y avisar a la gente sobre estas empresas fraudulentas, que tienen medios legales como tapadera para no ser castigados.
Podeis ver pinchando sobre los nombres de abajo un ejemplo de los muchos fraudes y de las artimañas de las academias que preparan a gente para oposiciones.
CEMAD
Si quereis denunciar vuestro caso debeis dirigiros a la Confederación de Consumidores y Usuarios (Cecu).
* Opening . Fue el caso más famoso. En agosto de 2002 las escuelas de idiomas Opening se declaraba en suspensión de pagos, dejando a 82.000 alumnos (10.000 de ellos en Madrid) sin clases y con una importante deuda bancaria.
* Informática Sistemas . El director desapareció en 2003. Unos 300 alumnos afectados.
* Órbita Profesional . Abrió en marzo de 2008 y dos meses más tarde dejó de impartir clases a sus 200 opositores, que habÃan pagado 2.000 euros en adelantos.
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Abr 22, 2009 @ 05:49 pm by Angel Javier
Desde siempre se ha oido decir a los “fundamentalistas” que la bolsa siempre sube a largo plazo.
Como supongo sabreis, la bolsa sube y baja en lo que denominamos ciclos.
Hay ciclos , de semanas, meses, años, siglos…
Esto último, de siglos, es muy importante.
Los humanos tenemos un periodo de vida muy limitado como para ver los ciclos seculares.
Por tanto, dicho esto, estoy por asegurar que desde que existe la bolsa nos ha tocado vivir en una tendencia alcista de un ciclo secular.
Ahora mismo estamos inmersos en la tendencia alcista de un ciclo secular, por eso siempre se dice que la bolsa sube a largo plazo; porque nuestra vida, en varias generaciones no ha alcanzado para ver el final de la tendencia alcista de ese ciclo secular.
De ahà que podrÃa llegar el momento en que se podrÃan ver periodos de bolsa totalmente bajistas, durante varias generaciones, en lo que serÃa la tendencia bajista de un ciclo secular.
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