El blog de Maria

Un AñO Mas Mecano

En la puerta del sol

como el año que fue

otra vez el champagne

y las uvas y el alquitran,

de alfombra estan

los petardos que borran

sonidos de ayer

y acaloran el animo

para aceptar

que ya

paso uno mas.

Y en el reloj de antaño como de año en año

cinco minutos mas para la cuenta atras

hacemos el balance de lo bueno y malo

cinco minutos antes de la cuenta atras.

Marineros, soldados, solteros casados,

amantes, andantes y alguno que otro cura despistao

Entre gritos y pitos los españolitos

enormes, bajitos hacemos por una vez

algo a la vez

Y en el reloj de antaño como de año en año

cinco minutos mas para la cuenta atras

hacemos el balance de lo bueno y malo

cinco minutos antes de la cuenta atras.

Y aunque para las uvas hay algunos nuevos

a los que ya no estan echaremos de menos

y a ver si espabilamos los que estamos vivos

y en el año que viene nos reimos

1, 2, 3 y 4 y empieza otra vez

que la quinta es la una y

la sexta es la dos y asi el siete es tres

Y decimos adios y pedimos a Dios

que en el año que viene

a ver si en vez de un millon pueden ser dos.

En la puerta del sol como el año que fue otra vez el champagne y las uvas y el alquitran, de alfombra estan.

 Como después de la noche brilla una nueva mañana 
Como después de la noche brilla una nueva mañana 
así también en tu llanto hay una luz de esperanza.
así también en tu llanto hay una luz de esperanza.

Como después de la lluvia llega de nuevo la calma 
Como después de la lluvia llega de nuevo la calma 
el año nuevo te espera con alegrías en el alma.
el año nuevo te espera con alegrías en el alma.

Y vamos abriendo puertas y vamos cerrando heridas 
porque en el año que llega vamos a vivir la vida 
Y vamos abriendo puertas y vamos cerrando heridas 
Pasito a paso en la senda vamos a hallar la salida. 

Como al salir de la tierra vuelve a cantar la cigarra 
Como al salir de la tierra vuelve a cantar la cigarra 
así es el canto que llevan las notas de mi guitarra 
así es el canto que llevan las notas de mi guitarra 

Como a través de la selva se van abriendo caminos 
Como a través de la selva se van abriendo caminos 
así también en la vida se va labrando el destino 
así también en la vida se va labrando el destino 

Y vamos abriendo puertas y vamos cerrando heridas 
porque en el año que llega vamos a vivir la vida 
Y vamos abriendo puertas y vamos cerrando heridas 
Pasito a paso en la senda vamos a hallar la salida.

Abriendo puertas, cerrando heridas
Que en la vida hay tanto por hacer, 
deja tu llanto y echa paílante con fe 
Abriendo puertas, cerrando heridas
Yo te lo digo de corazón, que año nuevo será mucho mejor

Abriendo puertas, cerrando heridas 
Abriendo puertas, cerrando heridas 
No existen barreras para ti. Si te propones serás feliz, muy feliz. 
Abriendo puertas, cerrando heridas 
Que el fracaso es puro invento. 
Ya no me vengas con ese cuento, no, no.

Brindaré por el ayer, por el hoy, por el mañana; a beber y a perdonar, para olvidar las malas rachas
Año nuevo, desde hoy, sin ayer, sólo un mañana; año nuevo, mi nuevo año, bienvenido entra en mi casa.

Por todos los errores cometidos, por todos los amores ya vividos; por la lucha, por la vida y los amigos; y por esa gente buena que se queda en el camino.

Por aquellos que sembraron con su huella nuestras almas y, al partir dejaron siempre vivo el fuego de su voz; por aquellos que no piden nada a cambio en el amor; por la gente generosa que te abriga el corazón

 Por aquella juventud que fue bandera y hoy es árbol; por aquellos que se fueron sin dejar casi ni rastro; por aquellos que vendrán por nuestra estela con más fuerza y también por los que no nos abrirán jamás su puerta

 Friend Carmen ( mom with two little girls),  pree-school teacher as profession, is looking to have some exchange conversations with a UK native. The exchange would be both sided english-spanish-english in the Manilva, Sabinillas, Alcaidesa area.

Anyone interested?

We can start a database of Spanish-English interested conversation exchangers and match you accordiong to age, personal circumsntances... It will be fun and who knows?... maybe it can end up being a little business for anyone interested....

Then parties, conferences, courses can be organised..... who wants to help me with this?

"Sierra Nevada", Granada, Spain, by Jexweber.fotos, at flickr.com

 Three steps of the Banks reorganization

ADJUSTMENT :              The first step will be a reassessment of real estate in the bank balance.  An additional 20% will be applied to those valuations in order to gain credibility before the markets and to force a new sanitation.

2)     PRIVATE FUNDS:          Rajoy´s team wants in a first phase, the new provisions and the recapitalization of the sector to be done through private funds. To meet this goal, organizations can use the new European convertibles or to merge in order to ease the accounting treatment of provisions.

3)    PUBLIC MONEY:              Weaker financial institutions are to use public funds to meet solvency requirements after this adjustment exercise on balance sheets. The new government plans to resort to conditioned loans of the IMF and the European Rescue Fund.

New translated from Expansion Orbyt 

"Sierra Nevada, from above", Granada, Spain, by adrian, acediscovery, at flickr.com

 Regardless the euro stays or not.

I can see, these following four years will be of:

- Banks settling for amounts covered by General Bank Guarantees.

- Banks settling for liabilities as depositers of off plan amounts ( maybe some judicial definition is still necessary here)

- Good professionals bringing good priced, quality properties to these same claimers, now buyers again.

- Urbanised residential areas, now ghost cities, coming to life for Northern europeans.

I am seeing some of this already. Let´s dream and vision

"Sierra Nevada Mountains", Granada, Spain, by nataliej, at flickr.com

 LA "EA" DE TRIANA.

AL BAR QUE TIENE LA JUANA
SAN JOSÉ SE FUE A POR VINO
Y CUANDO VOLVIÓ A LA ERMITA
VIO QUE EL NIÑO HABÍA NACIDO

Y CUANDO VOLVIÓ A LA ERMITA

VIO AL PASTORCILLO DIVINO

(ESTRIBILLO)
LA MULA LE GRUÑE Y EL BUEY LE BAHEA
LA BLANCA PALOMA LE CANTA LA "EA"
EA EA EA, EA EA EA
LA MULA LE GRUÑE Y EL BUEY LE BAHEA


CON EL SOL DE LA HIGUERITA
LLEGA LA SAL DE LOS MARES
Y LA VIRGEN DEL ROCÍO
LE HACE AL NIÑO UNOS PAÑALES

(ESTRIBILLO)

LA VIRGEN SABE QUE REZA
QUIEN LE CANTA SEVILLANAS
POR ESO MECE A SU NIÑO
CON LA "EA" DE TRIANA.

(ESTRIBILLO)

 "Más allá"

Cuando das sin esperar

cuando quieres de verdad

cuando brindas perdón

en lugar de rencor

hay paz en tu corazón.

Cundo sientes compasión

del amigo y su dolor

cuando miras la estrella

que oculta la niebla

hay paz en tu corazón.

Más alla del rencor

de las lágrimas y el dolor

brilla la luz del amor

dentro de cada corazón.

Ilusión, Navidad pon tus sueños a volar

siembra paz brinda amor

que el mundo entero pide más.

Cuando brota una oración

cuando aceptas el error

cuando encuentras lugar

para la libertad

hay una sonrisa más.

Cuando llega la razón

y se va la imcomprensión

cuando quieres luchar

por un ideal

hay una sonrisa más.

Hay un rayo de sol

a través del cristal,

hay un mundo mejor

cuando aprendes a amar.

Más alla

del rencor

de las lágrimas y el dolor

brilla la luz

del amor

dentro de cada corazón.

Cuando alejas el temor

y prodigas tu amistad

cuando a un mismo cantar

has unido tu voz

hay paz en tu corazón.

Cuando buscas con ardor

y descubres tu verdad

cuando quieres forjar

un mañana mejor

hay paz en tu corazón.

Más alla del rencor

de las lágrimas y el dolor

brilla la luz

del amor

dentro de cada corazón.

Ilusión,

Navidad

pon tus sueños a volar

siembra paz

brinda amor

que el mundo entero pide más

Padre, hoy nos dejes solos

Rompe las cadenas

Y danos de tu luz

En la nochebuena

Y llena del cielo La luz a la tierra

Y el viejo era un ángel Que bajó del cielo

Para distinguir lo malo y lo bueno

Y Dios que lo vio todo, Lloró de alegría

Y en la Navidad, En noche de luz y felicidad...

Y en la Navidad, En noche de luz y felicidad...

Camino de Belén caminan los pastores

Camino de Belén van derramando flores

Camino de Belén que ya llegó en Mesías

Camino de Belén el hijo de María

Camino de Belén caminan los pastores

Camino de Belén van derramando flores

Camino de Belén que ya llegó en Mesías

Camino de Belén el hijo de María

San José le dice A la virgen María

Ya está con nosotros El hijo de Dios

Y Dios que lo vio todo, Lloró de alegría

Y en la Navidad

En noche de luz y felicidad...

Y en la Navidad En noche de luz y felicidad...

Camino de Belén caminan los pastores

Camino de Belén van derramando flores

Camino de Belén que ya llegó en Mesías

Camino de Belén el hijo de María

Camino de Belén caminan los pastores

Camino de Belén van derramando flores

Camino de Belén que ya llegó en Mesías

Camino de Belén el hijo de María

Camino de Belén...

Poquito a poco a poco derramando flores....

Camino de Belén...

Acaba de nacer...

Camino de Belén caminan los pastores

Camino de Belén van derramando flores

Camino de Belén que ya llegó en Mesías

Camino de Belén el hijo de María El hijo de María...

 From IESE Insight

Good Ethics Really Is Good Business

Melé Carné, Domènec

Publisher: Palgrave Macmillan

Original document: Management Ethics: Placing Ethics at the Core of Good Management

Year: 2011

Language: English

 

In his inauguration speech, the next Prime Minister, Mariano Rajoy, has made clear that the restructuring of the financial system will be a priority, since it is necessary to get credit flowing again to the productive economy.

Rajoy said that uncertainties remain about the actual health of Spanish banks' balance sheets, which impairs the access of international financing institutions and, consequently, blocks credit.

Therefore, the new government will promote the cleaning up of balance sheets. It will force banks to sell properties that have been terminated as a result of debt swaps or attachments. In many cases, banks and savings banks are delaying the sale of these properties to avoid taking losses by having to sell cheaper than they bought.

In addition, Rajoy has insisted that banks and building societies will have to give a proper assessment of their illiquid assets, i.e. the soil to be valued in balance with the actual market price.

This process obviously requires entities to recognize all unrealized losses, which will bring more capital requirements. To cover, as Rajoy, will have to start a new wave of consolidation "more mergers and a change in the banking map, with fewer, stronger entities," he said.

The PP leader's words seem to remove the possibility that the Government chooses to clean up the financial system through a public bad bank, in which institutions dip their toxic assets. Although uncertainties remain, it seems that commitment to the model Rajoy has defended the big banks (Santander, BBVA and CaixaBank): public aid only to entities that need it and, above all, subject to mergers.

Rajoy is expected that the restructuring process should focus on the first six months of next year and believes that is a prerequisite for the credit flowing again.

A stronger regulatory

The next Board also wants to strengthen the role of the Bank of Spain, to streamline decision-making and avoid delays, said Rajoy. A phrase that has rung as a reproach to the current governor Miguel Angel Fernandez Ordonez, who has been accused of unnecessarily delay in the restructuring of the sector.

( This post is a direct translation from Expansion.com)

Final note by María de Castro:

Then Spanish Banks could also start triyng to ask for liabilities before European banks.

Read Paul De Grauwe´s THE ARTICLE again for a full picture of the situation and why Spain reached that point of overcredit and overexposure to brick.  

"Navidad en la Plaza Mayor de Valladolid", Spain, by rodcasro, at flickr.com

Justice can not release the jam of 10 million cases

The 2011 Report by the Observatory of Justice activity reveals the need for action to prevent a collapse. Judges, lawyers and Court agents provide ideas to improve the model.

The workload in the Spanish courts, which already reaches 10 million cases and places Spain as the most litigious country in Europe, "is currently unaffordable”.

Ideas such as the sieve of matters for prosecution, the legal professional liability when qualifying a claim as sustainable, empowering non-judicial resolution of conflicts... are beind discussed. 

Lawyers are seeking a pact of State for Justice to hear the views of al stakeholders in the justice system, including engineers, business managers, law schools ...

Concentration of cases in larger centers, digitalization of judicial offices and files, new law on judicial demarcation....

I would add: stricter limits to Courts for processing and finalising cases. 

Decoracion Navideña en el Paseo de Rios", Vigo, Spain, by Contando Estrelas, at flickr.com

Law 12/2004.

Reductions when the their is disabled: 120.000€ if the disability is of 33% and 240.000 if the disability is from 65%

99% bonus on the tax quota for descendants and adopted under 21 years old

"Navidad en el escaparate!!!", Spain, by Lumiago, at flickr.com

 This is maybe what we have allowed them to believe: citizens and politicians. This is maybe the root of the difficult situation we are in the world right now: Banks think they rule.

I experience this in our daily activities as lawyers deffending people´s rights.

I received an email yesterday from a client who was forwarding to me the email that the Bank manager has issued to her after receiving a dation letter. It was interesting that he said categorically: " this is not how this needs to be done"

We are just following the rules of our Civil Code, Mr Bank, I would answer to him. You are under these too. Did you know?Rule of Law: a great achievement of humankind :)

Cheers!

Maria

"Navidad en el escaparate", Spain, by Lumiago, at flickr.com

 Into... as always bringing people to Spain, either to retirement, second residency or holidaying. That´s the main field we are always into.

In between, and as there are many of you with current problems with your property investment in Spain, we are:

- Performing quite a good number of dations to Banks. Never easy but always challenging as it is one of the ways of punishing banks for, maybe an irreflexibe exercise, but we many human beings victims. Using people´s dreams of basic goods as home is, for an ultra-benefit project when over credting in the past. This is always my reflexion on this. Of course individual people were in many occassions, trapped by ambition, greed or simply  unrealistic dreams.... but that even, was promoted and used by finantial actors for the crazy number rising race they were on.

- Bringing solutions to off plan purchasers. Some of you are now prefering to cancel your contract and lose your deposits better than getting into a very long battle for the refund of them. I can understand this position too. If it brings conclusion and peace on the matter is always right. Despite sometimes sayng good bye to a good number of euros.

- Advancing actions against the Banks for those who want the fight ( backed by increasing Case Law now).

Always striving ( at difficulkt times for us too here in CostaLuz) to provide a person-oriented service, as the Humanist lawyers we are :)

Thanks to you all for your patience always.

Cheers in these Bright and Festive Season 

"Navidad en el escaparate", Spain, by Lumiago, at flickr.com

1.- RELATIVES:

A)  Group I: Descendants and adopted children under 21 years old: 15.956,87 Euros, plus 3.990,72 Euros for each year younger than 21 that the heirs Are. With a limit of reductions in 47.858,59 Euros.

B) Group II: Descendants and adopted children over 21 years old, spouses, ascendants and adopters:  15.956,87 Euros.

C) Group III: Collateral relatives (cousins, aunts, uncles…) in law ascendants and descendants. 7.993,46 euros.

47.858,59 euros to disabled people with handicap degree of 33-65%

150.253,03 Euros to disables people with a handicap degree of 65-100%

2.- LIFE INSURANCE AMOUNTS: will have a reduction of  9.195,49 euros if the relationship with the deceased is that of being spouse, ascendants, descendants, adopted or adopter.

3.- HABITUAL DWELLING: 95% reduction on taxable amount with a limit of 122.606,47 euros for each tax payer when inheriting the habitual dwelling of deceased, being this also the heir´s habitual dwelling and being the heir one of the following ones:  spouse, ascendants, descendants or collateral relative older than 65 years old who lived together with deceased for 2 years prior to this one´s death. 

Need to keep the house for 10 years

A new deduction was in force since January 2007 for group I and II relatives of 99% of the tax quota.

For group II relatives, there is a limit of 450.000 or to 600.000 if the heir is disabled in 65% or more.

There is also a reduction of 99% in the taxable amount when what is being inherited is a company in Murcia region.  

"Salamanca Navidad", Salamanca, Spain, by Jota Pe, at flickr.com

 1)  IHT Andalucía is reduced by 99.99% for spouses, descendants and adopted children who used the family home as their permanent dwelling at the time the decedent passed away.

2) IHT Andalucía is reduced to 0€ if

i) The beneficiary is a Group 1 or Group 2 relative of the decedent.
ii) The amount of the inheritance is not greater than 175,000€
iii) The existing wealth of the beneficiary is less than 402,678.11€

The effect of the deduction is to reduce the net payable tax to zero.

3) Disabled people are exempt in 250.000€ when inheriting estates. If the disabled heir is not a close relative of the decedent .Should the disabled beneficiary is in Group 3 or Group 4 then their personal preexisting wealth should be taken into consideration.

4) IHT Andalucía is reduced by 99, 99% when inheriting a private business. It requires the continuing of residency in Andalucía for five years. 

"Mi 3era.navidad en invierno", Plaza Constitucion de Malaga, Spain, by juanpol, at flickr.com

 In this same blog:

xxxxx said: 
09 December 2011 @ 12:48 

Maria 

What happens if you just stop paying the principle and just leave enough in the account to cover the interest on the loan so that at least that is being covered for the bank.

Also my property has been rented for 2 years to a Spanish resident, will the bank evict her if they proceed with legal proceedings 

Maria answered: 
09 December 2011 @ 13:01 

My strategy would be as follows:

1. - I would send a certified letter to the Bank, by a lawyer with good specialty in these cases, where you expose and prove your current situation and ask for an interest-only product. Your lawyer adds that if not accepted, regretfully, you will have to start a dation process.

 2. - You effectively start a dation process where these rights can be expressed in a more extended way.

The tenant can stay there till end of contract dealine (and exercise the five years extension if he has rights for this).

If the rental agreement was registered in the Land Registry before the registration of the mortgage, the tenant is protected during all the time the rental contract establishes with full rights gathered there.

All these are minimums that can be bettered by the lender which is enforcing the mortgage rights 

Part I of tips on repossession here 

"Arbol Navidad en Plaza España", Madrid, Spain, by leomartinorg, at flickr.com

 This week, we are all in Spain in a pre-Christmas mood and better than writing a legal post I need to admit I today  just had motivation to send to you this cute Christmas cards.

We should start thinking of producing some anglo-hispanic style for Christmas cards.... any ideas there?

Much wealth and prospertity can come out of a Uk-Spain marriage, why do not we organise it? We, CostaLuz, with our Deim´s friends are actually starting to organise many commun adventures. Who does want to join us?

For those of you who have not still enjoyed these UK-Spain stories of the past:

The Secretary of State for Immigration and Emigration of the Ministry of Labour, Anna Terrón, and the Secretary of State for Foreign Trade of the Ministry of Industry, Alfredo Bonet, in his capacity as president of INVEST IN SPAIN, have signed a partnership agreement with the objective of streamlining the procedures relating to foreign workers for foreign companies in order to promote investments that will generate employment, wealth and innovation in Spain.

“Through the streamlining of immigration procedures the agreement seeks to increase the attractiveness of Spain as an investment destination and improve the business climate of the country in sectors which have high added value,” said Alfredo Bonet.

Meanwhile, Anna Terrón stressed the importance of uniting the efforts to encourage foreign investment, saying “this agreement is an important step forward that will help capture the interest of new foreign firms and support those which are already established,” she added.

Under this agreement the State Agency for Attraction of Foreign Investment, INVEST IN SPAIN, will facilitate the management of administrative procedures for foreign nationals on the one hand for companies wishing to set up in Spain and on the other for the Secretary of State for Immigration, which has the power to authorise the entry, residence and employment of foreigners in whose professional activity lie elements of economic, social or labour-related interest that require high qualifications.To this end, reports will be prepared on investment projects that allow them to be streamlined within the Spanish regulatory framework on immigration.

Also, the documentation of economic and financial firms to submit Spanish consulates will be subject to study and review and advice will be given on the design of measures to improve the mobility of workers outside Spain. The agreement, which came into force when it was signed, will last for two years, after which it will be automatically extended every year.

From the Invest in Spain´s website

"Acceso norte a Zahara de la sierra", Zahara de la sierra, Cadiz, Spain, by Roberto Carlos Pecino, at flickr.com

"Jaco y Rober en principe", Vigo, Galicia, Spain, by Ivan PC, at flickr.com

From this EOS thread today:

Our Justin Aldridge said:

When the lights start going out it really does bring home how bad things have become here in Andalucia.

I live on the Cosa del Sol and the entire strectch of the A7 coast road is now pitch black at night.  From Manilva all the way to Fuengirola, the lights have literally gone out.

At first I thought it was because of some technical issue but it's not.  It's about money and who pays the bills.  Since 1993 the town halls have been paying for the road lighting but now they are saying that it's not their responsibility, they say it's the junta that should be paying.

So all the road lights are now permanently off at night.

If you've driven the coast road before you'll know that in many parts it's quite unsafe.  I fear on dark nights and heavy rain we are going to have some serious accidents now.  It is just pitch black.

I can't believe it has come to this.

Then, talking to some people in the bar this morning over breakfast, they were telling me that people are queuing outside the unemployment office from 4am.  The queues outside were so long that they are even disrupting the traffic.

They were also talking about the huge numbers of families now with zero income as they are no longer entitled to any benefits (they stop after 2 years).  How scary.

None of the Christmas lights have yet gone up in the area either.  Normally they are up by now, especially as it is "puente" next week.

I'm not known for my pessimism but I am truly worried for the country and its people.

I'm not sure what the new government can do to solve this "crisis" but I for one would not like to be in Rajoy's shoes.

I think 2012 is going to be an even tougher year for Spain than this year.  More job losses, more businesses going under, more poverty.  It has to get worse before it can start to get better.

Yes, it all seems very bleak but it's also very real. I fear it's more than just the A7 lights that are going to go out in the coming months.

Drat, I wish I could be more positive!

Justin

And I do think, we can be positive, thanks to him in some part:

Justin:

EOS is already a fantastic tool to create jobs and wealth for Andalucia and Spain.

If we get to convince Banks on getting closer to their claimers, put properties at better prices after the acknoweldging of  liabilities before those whose money was not protected during the boom. They will find hundreds of people wanting to buy in Spain again, on the coastal places which are becoming ghost-like.

I am positive this will create a huge number of jobs and better position of Local treasures. This will turn lights on again

Let´s keep moving ahead... talk to Keith Rule!

Maria

"Zahara de la sierra", Cadiz, Spain, by Blue moon in her eyes, at flickr.com

"Belen Canario", Islas Canarias, Spain, by El coleccionista de instantes, at flickr.com