Je, potvrdu o rezidenciji podižeš u općini kod svog poreznog referenta, 40 kuna biljega [proud]

A ja nisam rekao da si ti rekao da se ide u skladu s masom.
[tongue]

Oj ekipo,

Iskreno, ne znamo kako se bivši RealBaer uspio logirati pod imenom dugomjesečnog korisnika RealBear-a, ali sad je isključen, pa ako ponovno uskrnse s nekim novim nickom, pošaljite mi PM da ga ponovno isključim. Meni to nije problem, pitanje je kome će prije dosaditi. Usto, pozitivno je što ću udovoljiti normi od nekoliko isključenih korisnika tjedno pa neće biti potrebe više da isključujem Bibera, Sola, Bybera, INSAJDA, itd. [smiley][smiley][smiley]

Danas bio u RBA, potpisao ugovor s njima na 6 mjeseci + 6,50% fiksno.

Htio na duže ali nisu dali.

Bubašpara

Analiza: Crobex u crvenom, HT u zelenom
Nikolina Rivosechi
nikolina.rivosechi@business.hr
01.02.2008
Zadnji ovotjedni radni dan na Zagrebačkoj burzi prošao je bez prevelikih potresa, a slobodno se može reći da ga je obilježila dionica Hrvatskih telekomunikacija koja je ostvarila gotovo četvrtinu ukupnog prometa dionicama.

ZSE: Crobex završio tjedan u crvenom, novi pad Ine

Dionički indeks Crobex tjedan završava u crvenom – danas je izgubio 0,43 posto i pao na 4477,90 bodova.

Dionica HT-a ostvarila je 17.936.096,65 kuna prometa, a vlasnika je promijenilo 56.596 dionica najvećeg domaćeg telekoma. Ta dionica dan je zaključila na 320 kuna, što je i najviša današnja cijena, a dnevni joj rast iznosi 1,28 posto.

nije strašno……………….[lol] [lol] [lol]

Šuker s bankarima Piše: NT

Hrvatska varijanta „dogovorne slobodne ekonomije“ prerasta u zanimljivu sapunicu – prvo je Polančec uvjeravao proizvođače kruha i mlijeka da su skupi, a sada Šuker pokušava obraditi bankare.

Kad ne bi bilo tragično, bilo bi stvarno neobično smiješno. U najboljoj maniri socrealizma, ministri pozivaju vodeće poslovne ljude i objašnjavaju im da njihov rad nije u skladu sa zacrtanim ciljevima Vlade, a sve u sklopu fantomskog „Povjerenstva za praćenje rasta cijena“. Sam naziv povjerenstva prilično je zastrašujuć, jer indirektno najavljuje da bi cijene trebale stalno rasti.

I tako je Šuker, kao drugi „bad cop“ Vlade uz sveprisutnog Polančeca, održao sastanak s predstavnicima najvećih „hrvatskih banaka“ – Zagrebačke, Privredne, Raiffeisen, Erste, HPB-a i Hypo Alpe Adria banke. Hrvatskih je pod navodnicima jer je samo jedna od tih banaka stvarno hrvatska (kao što joj stoji u imenu) i jedino s njom Šuker može razgovarati o ozbiljnim stvarima. Drugi ga mogu pristojno saslušati, klimati glavom i otići raditi ono što im kažu njihovi vlasnici.

Glavna tema sastanka, stoji u priopćenju, bilo je predstavljanje okvira i strategije ostvarenja planiranog računa financiranja u 2008. godini. Također, raspravljalo se o stanju na svjetskom financijskom tržištu koje neminovno utječe na hrvatsko tržište kapitala.

“Sudionici sastanka zaključili su da je redoviti dijalog između Ministarstva financija i predstavnika banaka koristan i da će se nastaviti uz prisustvo guvernera Hrvatske narodne banke Željka Rohatinskog”, navodi se u priopćenju te zaključuje da će u slijedećim susretima “sve strane predložiti mjere koje će pridonositi održanju stabilnosti hrvatskog financijskog tržišta”.

Znači, sastali su se, popili kavu i ustanovili da im nedostaje Rohatinski, pa će ga drugi put ipak zvati. Vrlo konstruktivno. No, vjerojatno dovoljno atraktivno da to Dnevnik poprati u prvih par minuta reportažom od barem minute, pa da ljudi pomisle da će se ipak nešto dobro dogoditi. Neće. Barem dok se ne osnuje Povjerenstvo za praćenje prodavanja magle.

odličan članak Turione
[thumbsup]

Why home prices could drop 25% more on average before the market finally hits bottom

As Washington policymakers struggle to keep the U.S. out of recession, the swirling confusion over the housing market is making their job a lot tougher. Will American consumers keep shopping or be forced to pull back? Will banks lend freely or be hamstrung by mortgage defaults? What are the best policy options right now? Those and other important questions simply can’t be answered without a good idea of whether home prices will rise, flatten out, or keep dropping.

Some experts have begun to suggest that a bottom is in sight. Pali Research analyst Stephen East wrote in a research note to his firm’s clients on Jan. 25 that “the sun is not shining very brightly, but at least the worst of the storm has likely passed.” With optimism budding, Standard & Poor’s beaten-down index of homebuilder stocks soared 49% from Jan. 15 through Jan. 29.

But it’s considerably more likely that the storm is still gathering force. On Jan. 30 the government said annual economic growth slowed to just 0.6% in the fourth quarter as home construction plunged at a 24% annual rate. The Standard & Poor’s/Case-Shiller 20-city home price index fell 7.7% in November from the year before, the biggest decline since the index was created in 2000.

And that could be just the start. Brace yourself: Home prices could sink an additional 25% over the next two or three years, returning values to their 2000 levels in inflation-adjusted terms. That’s even with the Federal Reserve’s half-percentage-point rate cut on Jan. 30.

While a 25% decline is unprecedented in modern times, some economists are beginning to talk about it. “We now see potential for another 25% to 30% downside over the next two years,” says David A. Rosenberg, North American economist for Merrill Lynch (MER), who until recently had expected a much smaller slide.

Shocking though it might seem, a decline of 25% from here would merely reverse the market’s spectacular appreciation during the boom. It would put the national price level right back on its long-term growth trend line, a surprisingly modest 0.4% a year after inflation. There’s a recent model for this kind of return to normalcy after the bursting of a financial bubble. The stock market decline that began in 2000 erased most of the gains of the boom of the second half of the 1990s, leaving investors with ordinary-sized returns.

Why might housing prices plunge violently from here? Remember the two powerful forces that pushed them up: lax lending standards and the conviction that housing is a fail-safe investment. Now both are working in reverse, depressing demand for housing faster than homebuilders can rein in supply. By reinstituting safeguards such as down payments and proof of income, lenders have disqualified thousands of potential buyers. And many people who do qualify have lost the desire to buy. “A down market is getting baked into expectations,” says Chris Flanagan, head of research in JPMorgan Chase’s (JPM) asset-backed securities group. “People say: I’m not buying until prices are lower.'” He predicts prices will fall about 25%, bottoming in 2010.

Nobody can be sure how far prices will decline. Still, if prices drop that much, it could mean big trouble for the U.S. economy, which is already on the brink of recession. It would blow a hole in the balance sheets of banks and households, slicing more than $5 trillion off household wealth. That’s roughly the size of the drop in stock market wealth from the peak in early 2000, a big reason for the recession of 2001. Yale economist Robert J. Shiller, a longtime housiWhy home prices could drop 25% more on average before the market finally hits bottom

As Washington policymakers struggle to keep the U.S. out of recession, the swirling confusion over the housing market is making their job a lot tougher. Will American consumers keep shopping or be forced to pull back? Will banks lend freely o

Ako bi dao na oročenje, obavezno bi to bilo uz valutnu klauzulu. Ako ti ode Eur na 9 kn, spušio si 30 %.
Meni je ipak sad najsigurnije ulagati u dionice, pogotovo zbog inflacije. Tako je i Buffet radio.[thumbsup]

Tenkista u Medvjeđem Brlogu,………………… ima da RealBear izađe iz medvjeđe kože kad to vidi.
sad definitvno možemo očekivati da OMX preuzme cijelu Zagrebačku burzu ili neku takvu informaciju ili
će u ponedjeljak monsuni zapuhati na Jadranu.
[shocked][lol] [lol] [lol] [lol]