Hola! Vivo en Mexico y me comentaron que las escuelas de diseño de Mdrid son muy buenas aun que sean publicas alguien me puede dar orientacion de alguna escuela de Madrid que sea publica y que tengo que hacer osea no sepapeles costos! GraciasPara encontrar el mejor precio en rutas culturales en Madrid, visita l3b.es

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Cuanto cuesta la carrera de diseño de modas en una escuela de Madrid?

No tengo papeles y la verdad que no sirvo para ser camarera. Toda mi vida trabaje en compañias en argentina. Mi ultimo trabajo fue en Telecom en la gerencia de planeamiento y control de gestion…. aunque sea de secretaria…………………Para encontrar el mejor precio en actividades en Valencia, visita l3b.es

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Alguien que sepa de un trabajo en Valencia?

El caso es que llego a los 20 mil Km y en diciembre se vence la garantía, el costo de la revisión sale en 2.000 Bs Fuertes y no se si sea realmente necesario hacerle el mantenimiento por el concesionario, Ya que me parece que esta un poco costoso.Si buscas los mejores precios de vuelos

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¿Donde puedo realizar mantenimiento a mi renault logan y no sea tan costozo aqui en Valencia, Venezuela?

A variety of well-regarded Spanish property portals and websites are reporting unprecedented levels of enquiries for properties for sale in Spain . Although these are still hard times for most people in Europe, it seems that the dream of owning a property in Spain is still as strong as ever. This desire has also been fuelled by a raft of discounted and distressed Spanish properties becoming available, offering prospective buyers some of the cheapest prices and best value Spanish properties since the bygone days before the last Spanish property boom. As we have reported here several times, there is an increasing interest and demand for Spanish properties . This is probably due to a combination of several factors: -    the beginning of a new year tends to give people fresh impetus to achieve their goals -    many prospective buyers seem to have been keen to rid themselves of the spectre of 2009 and all its recessionary doom and gloom. The new year has given many people a little boost in the confidence stakes. -    The recession seems to now be behind us. Although we are still living in tough financial times, the future looks a little brighter, and so those plans and dreams that were on hold for the last 18 months are now back on the agenda for a lot of people. -    Sterling is rising against the euro, giving British buyers greater confidence to invest in the Spanish property market. -    The mortgage market seems to be easing slightly. -    Historically low property prices in Spain have convinced many that now is the time to invest, rather than waiting for the inevitable return to normality and subsequent price rises in the better areas. Related Posts Surge of Spanish Property Enquiries Follows Recent Economic News Record Day for Spanish Property Enquiries Are the Brits really leaving Spain?

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Huge Surge in Spanish Property Enquiries

necesito informacion para hacer un trabajo sobre Modelo de repulsion de pares de electrones de valencia (RPEV)…graciasSi buscas el mejor precio de hoteles en Valencia, búscalo en l3b.es

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¿Modelo de repulsion de pares de electrones de valencia (RPEV)?

Britons piled into Spanish property and got burnt. The Germans bided their time. Now they’re starting to come back, should we follow? We may fancy ourselves as a nation of hot shot property investors, but are we really any good at investing abroad? Not if our record in Spain is anything to go by. Many British investors crashed and burned in Spain over the last decade, using their favourite investment strategy of ‘follow the herd’. German investors, on the other hand, largely avoided the bubble, and are now taking back their favourite haunts like Mallorca from distressed British vendors in full flight. Could it be that the Germans are just better at football AND buying overseas property than we are? And if so, shouldn’t smart investors be following German buyers back into Spain, rather than just watching our fellow Britons stampede for the exit? The Germans always used to be big buyers in Spain, but from around 2003 onwards they retreated as the British advanced, with many selling out to British buyers after several years of surging Spanish property prices. Now it looks like they are back, at least in traditional German strongholds like Mallorca and Gran Canaria. “Ja! More Germans come back now,” confirms Margret Düllman, head of Düllman & Hundertmark, an estate agency catering to German buyers in Gran Canaria. It’s a similar story in Mallorca. “They bought low and sold high, and now they are back to buy low again,” explains Martie Quick, a director of estate agents Engel & Völkers in Mallorca. To a certain extent the Germans have just been lucky with their timing. One reason they left Spain after 2003 was an economic recession at home that dented their confidence, and made surging Spanish property prices look crazy in comparison to their own declining house prices. But they also deserve some of the credit for their cautious attitude to buying property abroad. For a start Germans don’t like borrowing money, unlike the British who will happily borrow more than 100% given half the chance. “They are always looking for a good investment but only something they can afford with cash,” explains Brigitte Wendel, a German estate agent with Engel & Völkers. “They want to be able to sleep at night.” Without mortgages they were priced out of the market during the boom, which turned out to be a blessing in disguise. Rising prices just encouraged the British to borrow more, like a red rag to a bull. The Germans are also canny buyers who instinctively go for good beach locations in places like The Balearics and The Canaries, where there is always strong demand from holiday makers. Many British investors, on the other hand, were easily persuaded that new developments in obscure parts of inland Spain, miles from the sea, would make a good investment. And finally, Germans are fussy about quality and like to see what they are getting, so they found the off-plan boom a turn-off. Nonchalant British investors, on the other hand, piled into off-plan investment with gay abandon. All these factors together kept German buyers out of the market as the bubble inflated and then burst. By 2007, German buyers were just 10% of British demand, according to figures from the Property Register. So what is starting to lure the Germans back? “Prime property at reasonable prices, at least in Mallorca,” explains Quick, who claims that prime property prices on the island are down by as much as 25% in the last few years. “You can now buy apartments in good locations with sea views for around 350,000 to 400,000 Euros, down from 550,000, and villas are down to 1.5 million from above 2 million Euros. The crisis has created a window of opportunity that the Germans are exploiting. They are after the best properties, in the best locations, with the best views, for the best price. If the price isn’t right, they won’t buy.” Of course there are also some British buyers who can see the opportunity. Last October Pauline Lewis, 62, an antiques dealer, and her semi-retired husband Robert, 65, from Halesworth, Suffolk, spent 1.1 million Euros on a 4-bed apartment with sea views in Costa de la Calma, just 5 minutes drive from Port Andratx, in the South West of the Island. “The asking price originally started above 1.45 million Euros, but when it dropped another 150,000 Euros last autumn we decided that it was time to make our move,” explains Pauline Lewis. “Also, we didn’t want to waste more time wondering what will happen, saying shall we, shan’t we. At our age if you don’t get on and enjoy life it will pass you buy.” The Lewises took out a foreign exchange option contract to ensure they get money back if the Pound rebounds. Though there is little evidence that Germans are buying outside of their usual haunts, you could argue that this is the best time in years to buy property in other popular destinations around Spain. For a start there is a glut of brand new, key in hand properties languishing on the market, so investors are spoilt for choice. Many of the urban planning scandals and illegal building problems that were hidden dangers are now out in the open and being dealt with, and prices are down between 20% and 40% or more, regardless of what the official price index says. In Marbella, Spain’s flagship resort, savvy Spaniards who know the market are doing most of the buying. “It depends on the property, but in general terms asking prices are down 20%, and closing prices down 30% since they peaked in 2006,” explains Diana Morales, head of the eponymous estate agency in Marbella. “That means prices are back where they were in 2004 or before. You can now buy lovely villas for between 1 and 2 million Euros, that’s less than the replacement value. And for lower budgets a town house recently went for 250,000 Euros that was sold for 375,000 Euros in 2005. I can’t see it getting better than this.” In Lanzarote, which is fast becoming a major destination for fitness freaks thanks to its amazing climate and terrain, there has never been a better time to buy, says Mario Izquierdo, a local lawyer. “It’s incredible, you can now buy villas with a pool in Playa Blanca for less than 200,000 Euros. That’s less than the construction price,” says Izquierdo. And in Ibiza prime property with sea views is selling quickly if the price is right, showing that the market is far from dead. “We are getting a lot of enquiries for villas between 1 and 1.5 million euros, and anything really good in that range – private, with sea views – gets snapped up,” explains Cathy Ouwehand, head of estate agents Ouwehand & Wall. “There are also some fabulous deals to be had with newly built apartments by the beach, mortgage financing included.” Of course prices may continue falling, but it would be foolish to expect prime properties to be given away. “British people making offers 50% below asking prices are going home empty handed,” notes Morales in Marbella, whilst in Mallorca “Germans know they won’t get bargains, but they think now is a good time to invest, and better and safer than having their money in the bank,” says Wendel. It’s a different story in Spain’s most over-developed coastal areas where a monumental glut of unsold new properties mean that subprime locations could be depressed for a decade or more. And what about the tens of thousands of bank repos that Spanish banks will have to sell sooner or later, especially now that the Bank of Spain is forcing them to make bigger provisions for their property portfolios? Some of that stock is in the wrong places, and banks are not yet realistic about their pricing, so opportunties are limited for the time being, though that may change. “Our resales are cheaper than the few bank repossessions of interest in Marbella,” points out Morales. But in places like Mallorca, the window of opportunity may shut sooner than people think. “Vendors are still open to offers, and it’s far easier to negotiate with them just before prices start rising than just after,” says Quick. “But for the first time in 18 months we are actively having to look for property, so the supply of properties priced to sell is getting tighter again.” Of course the big problem for British buyers right now is the weak Pound. There are ways to mitigate this, such as forex option contracts or taking out a mortgage (if you can), but there is no escaping the fact that British buyers with Pounds do not benefit from lower prices as much as German and other buyers with Euros. The British may have dominated the mass market during the boom, but today there are plenty of other Europeans interested in prime property now that prices are coming down. So Spain may be in the middle of a massive real estate crash, but it could be a mistake to think that prices for the desirable properties in good locations will go down much further. Warren Buffett famously said that he tries to be greedy when others are fearful and fearful when others are greedy. Right now British property investors are fearful, but German buyers are showing signs of an appetite. If we have anything to learn from the Germans it is that the time to buy property is during the bust, not the boom. Story from Mark Stucklin

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Learning from German Property Buyers in Spain

The number of Brits buying euros for property purchases has increased in the last few days after sterling reached a rate of €1.15 for the first time since August 2008. Foreign currency brokers have seen a 40% increase in clients buying euros, while new enquiries have shot up by 24%. “A number of our clients in the market for euros are taking advantage of the improved exchange rate and buying their euros for overseas mortgage payments, property purchases etc now,” World First’s head of private clients, Elisabeth Dobson, told OPP. “They are delighted to be getting a rate that is up to 12% better than the lows we have seen over the last 17 months. There are a number of clients who will have been holding off on property purchases and overseas investments due to sterling’s weakness against the euro. This rate move will certainly spur people on.” A run of economic good news from the UK, including a fall in unemployment, rising inflation and an anticipation that the country is out of recession, has helped increase the pound’s strength. Meanwhile, economic problems in Spain and Greece have weakened consumer confidence in the euro. Not all currency brokers have seen a substantial increase in business. “€1.15 is a bit of psychological barrier but most clients are still waiting for the magic €1.20 number,” Marc Morley-Freer, commercial director at Moneycorp , told OPP. “After the UK election we could see improvements that could push people to make lifestyle purchases – things are too uncertain before then.” World First’s chief economist Jeremy Cook remains bullish following sterling’s 9% growth over the last year. “I don’t think this run in particular will last because it has happened so quickly, but the pound could be up to around €1.22 by the end of the year,” he told OPP. Story from OPP (subscription required)

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Brits Buy As Pound Gains Against Euro

Año 2000 semana santa de sevilla. La gente corría aterrorizada sin saber el porqué. Muchos dicen que había gente disparando con pistolas, que se había escapado un toro. Si vivieron esa madrugá…¿Qué sintieron y qué hicieron cuando pasó aquello?Para encontrar los mejores precios en entradas para espectáculos en Sevilla, visita l3b.es

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¿Alguno de ustedes estuvo en la madrugá de Sevilla del año 2000? ?

According to data released today by the National Statistics Institute (INE), the number of home mortgages issued during November 2009 was 52,043, representing a growth of 1.8 percent over the same month in 2008 and the first recorded rise since April 2007. The volume of loan capital amounted to 6010.5 million, 10.1% less than the same month in 2008, which means that the average amount borrowed fell by 11.7% to 115,492 euros. Despite the rebound year in November, the cumulative comparison of January and November 2009 to the same period in 2008 showed an overall decrease of 23.2%. Savings banks granted the most mortgages (52.2%), followed by banks (36.6%) and other financial institutions (10.9%). As for borrowed capital, savings banks granted 45.3% of the total, banks provided 43.0% and other financial institutions contributed 11.7%. The average interest rate of savings banks was 4.25% and the average term was 23 years, while in banks, the average rate was 4.03% and the average term was 21 years. The variable interest mortgage remains the preferred option in 95.2% of mortgages, compared with only 4.8% opting for fixed rate. The Euribor was reported as the reference rate that was used in 88.7% of the mortgages. The data also shows that in November, 40,156 mortgages had their conditions changed, 35.3 percent more than last year – 32,379 of these were changes in the conditions of a mortgage with the same institution (42.4% higher), mostly being attributed to mortgage payers taking advantage of lower interest rates and longer terms. Story from Kyero.com Live

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New Mortgages Rise For First Time in 18 Months

Voy a visitar Galicia y Madrid en agosto y septiembre. ¿Qué ropa me aconsejan para el día y para la noche según el clima?Para encontrar el mejor precio en vuelos a Madrid, visita l3b.es

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¿Clima de Galicia y Madrid?