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No entiendo bien el proyecto traido por Cadavre ¿Quieren urbanizar todo el planeta? Requalificarlo todo según un patrón urbano y... ¿que todo sea pisito?
Cita de: puede ser en Junio 12, 2023, 19:08:15 pmCita de: volem volente en Junio 12, 2023, 18:28:12 pmCita de: saturno en Junio 11, 2023, 19:45:40 pmNo entiendo bien el proyecto traido por Cadavre ¿Quieren urbanizar todo el planeta? Requalificarlo todo según un patrón urbano y... ¿que todo sea pisito? No, hombre. Primero estos sesudos próceres tienen que explicarnos como Pepe y Mari llegaran al curro en los Madriles en patinete eléctrico desde el pueblo de Guadalajara en el que viven porque una habitacion en Leganes cuesta 3000 eurelios al mes......P.S: Por cierto, ¿qué diferencia hay entre un piso cerrado (segunda vivienda) y un coche apagado?bien traido....para empezar En Bilbao por ej. IVTM-->12.9C.F.-->150€ (ocupando unos 8m2), por tanto por pisito de 50m2 unos 1000eurapios de IBI....por mi parte estupendo...pero que no me cuenten cuentos climáticos para retrasados. (hala-a-pagar y el que tenga que arree)
Cita de: volem volente en Junio 12, 2023, 18:28:12 pmCita de: saturno en Junio 11, 2023, 19:45:40 pmNo entiendo bien el proyecto traido por Cadavre ¿Quieren urbanizar todo el planeta? Requalificarlo todo según un patrón urbano y... ¿que todo sea pisito? No, hombre. Primero estos sesudos próceres tienen que explicarnos como Pepe y Mari llegaran al curro en los Madriles en patinete eléctrico desde el pueblo de Guadalajara en el que viven porque una habitacion en Leganes cuesta 3000 eurelios al mes......P.S: Por cierto, ¿qué diferencia hay entre un piso cerrado (segunda vivienda) y un coche apagado?
Cita de: saturno en Junio 11, 2023, 19:45:40 pmNo entiendo bien el proyecto traido por Cadavre ¿Quieren urbanizar todo el planeta? Requalificarlo todo según un patrón urbano y... ¿que todo sea pisito? No, hombre. Primero estos sesudos próceres tienen que explicarnos como Pepe y Mari llegaran al curro en los Madriles en patinete eléctrico desde el pueblo de Guadalajara en el que viven porque una habitacion en Leganes cuesta 3000 eurelios al mes.
Tale of the Tape: central banks pivoting….back to hikes; RBA & BoC join Norges in restarting rate hikes after “pause” (Australia/Canada 2-year yields @ 12 & 16-year highs - both correlated to US yields – Charts 3 & 4); low unemployment, high inflation (Table 1 & Chart 5)…Fed ain’t done with hikes…we stick with “sell the last rate hike” call; watch Canada & Aussie FX…weaker on back of rate hikes = tell renewed hiking big “policy mistake.”The Biggest Picture: the “quiet credit crunch”…30 large US companies defaulted past 5 months, 11 past 4 weeks (vs 40 in 2022); watch June SBOI survey (Tuesday)…fresh decline in small business “credit availability” (say -10 or lower) just as unemployment claims turning higher (Chart 2) interrupts new “no recession ‘23” narrative.
https://www.eleconomista.es/economia/noticias/12320092/06/23/adecuado-coto-a-la-okupacion.htmlhttps://www.eleconomista.es/vivienda-inmobiliario/noticias/12320141/06/23/desahucios-expres-este-es-el-plan-del-pp-para-echar-a-los-okupas-en-24-horas.htmlSaludos.
Sutileza de la fina . Ni siquiera lo formulan como promesa electoral, no. Acaban de inaugurar un nuevo tipo de campaña, la certeza electoral.El PP salvará al Ladrillo. Vota PP. Un problema, que como todos sabemos aquí es la única y verdadera causa de la escasez de vivienda: la inseguridad jurídica que mi himbersión resulta que tiene riesgo
US junk loan defaults surge as higher interest rates start to biteTotal this year exceeds 2021 and 2022 combined in a market that is a critical source of financing for many companiesDefaults in the $1.4tn US junk loan market have climbed sharply this year as the Federal Reserve’s aggressive campaign of interest rate rises increases the pressure on risky companies with “floating” borrowing costs.There were 18 debt defaults in the US loan market between January 1 and the end of May totalling $21bn — greater in number and total value than for the whole of 2021 and 2022 combined, according to a Goldman Sachs analysis of data from PitchBook LCD.May alone saw three defaults totalling $7.8bn — the highest monthly dollar amount since the depths of the Covid-19 crisis three years ago.The failures underscore the pressure being exerted on lowly rated companies with large debt piles as they bear the brunt of the US central bank’s tighter monetary policy to curb high inflation.“There is a payment shock unfolding among the weakest issuers in the loan market,” said Lotfi Karoui, chief credit strategist at Goldman Sachs.Many “junk”-rated companies loaded up on leveraged loans — debt with floating borrowing costs that move with prevailing interest rates — when the Fed slashed rates close to zero at the peak of the Covid crisis. Issuance nearly doubled between 2019 and 2021 to $615bn, data from PitchBook LCD shows.However, the Fed has lifted its “target range” for interest rates to 5 per cent to 5.25 per cent in just over 14 months. That has left borrowers facing much higher interest payments, just as slowing economic growth threatens to squeeze earnings. This combination is “really problematic for companies that have a big chunk of their liabilities in floating-rate form”, added Karoui.Among the companies to have defaulted this year for the first time, as classified by rating agency Moody’s, are cinema advertising group National CineMedia and infrastructure services provider QualTek. Some companies that defaulted in 2023 had already previously defaulted, such as Envision Healthcare and mattress company Serta Simmons.Many companies that are rated junk now rely on leveraged loans as a critical source of financing — the asset class has swelled to roughly the same size as the junk bond market.Bank analysts and rating agencies expect defaults to rise further as market expectations shift to interest rates staying higher for longer and as the lagging effects of successive rate rises are felt.The threat is overshadowing investors holding particularly risky debt in a scenario that threatens to fuel even more downgrades, restructurings and bankruptcies as borrowers struggle to access fresh funding.“We are lining up here for a pretty meaningful default cycle,” said Steve Caprio, head of European and US credit strategy at Deutsche Bank.Loan issuance fell sharply in 2022 and has been meagre this year because most companies do not urgently need cash, after replenishing their coffers and pushing out maturities while money was cheap.Compounding the situation, the biggest buyers of leveraged loans — known as “collateralised loan obligations” — are unable to hold large amounts of very risky debt because of safety mechanisms in their own capital structures. They have a typical cap of 7.5 per cent of their assets for “triple-C” rated loans.If more companies have their credit ratings downgraded to triple-C, it could trigger a process that cuts off cash flows to the lowest rung of investors in the CLO structure in order to redirect money to investors higher up the CLO ladder. There is still demand for lower-quality single-B loans, said Drew Sweeney, a loan portfolio manager at asset manager TCW, referring to the rating just above triple-C. But investors “have to have some faith that those are not going to be the most likely loans to be downgraded”.Market estimates of defaults are rising, although forecasts vary depending on the breadth of loans, definitions of default and different economic forecasts.For the 12 months to May 2023, the loan default rate stood at 1.58 per cent, according to LCD — up from 1.31 per cent in April and the highest figure since May 2021.Karoui pointed out that were relatively few defaults in 2021-2022, so the market could simply be reverting “back to normal”.But loan defaults are still rising at a faster pace than defaults in their corporate bond counterparts, which have fixed coupons and therefore are slower to feel the effect of Fed policy changes.According to a Goldman’s analysis of Moody’s data, the annualised default rate for US junk bonds in the three months to April 30 stood at 3 per cent — flat since February and up only slightly from 2 per cent a year earlier. In contrast, the same measure of defaults for loans reached 6 per cent in April, up from 2 per cent a year earlier.On top of interest rate pressures, “the credit quality of the loan space is poorer than the bond space”, noted John McClain, a portfolio manager at Brandywine Global Investors.Rating agency S&P believes that the 12-month trailing loan default rate could rise to its long-term average of 2.5 per cent by next March, up from 1.42 per cent in April 2023. But in a pessimistic scenario, the number of “stressed borrowers” could surge and credit challenges persist — meaning “many issuers cannot access capital”.TCW’s Sweeney said that some companies with strong prospects will still find willing lenders.Private equity firms, which back many loan issuers, are “not going to walk away from a capital investment when they think it could be worth much more — and so that they contribute a certain amount of capital, and then go through the process of an amend and extend”, he said.
PS: No sé si Derby me sigue la corriente, pero acabo de leer los últimos post (y el último Cadavre sobre Barna) y sólo confirman mi lectura de la disonancia acerca del tratamiento del coche versus ciudadEntiendo que se razone el coche como un anexo del Pisito. Es objetivamente así como se entiende "el mercao" del automóvil. Pero en ese caso, si quieres resolver el "problema urbano" del coche, lo que hay que resolver es el Pisito, por extensión el "problema del concepto de urbe"tal y como lo hemos fabricado desde los 80. Es decir, atacarse a las disfuncionalidades de las ciudades. Y ese el es desafío: que para 10/15 años, aparte de acabar con los coches, se proceda a demoler y reconstruir progresivamente las ciudades para convertirlas en sostenibles. Lo que supone acabar con el modelo estructural que sustenta el Pisito, que sustenta la ciudad-Pisito. Y el coche como anexo del Pisito, desde luego.Pero de lo que se trata es de acabar con el modelo de propiedad del pisito. No poseerás nada y serás feliz. Vivirás en tu casa, tendrás familia, hijos, servicios urbanos o no urbanos, y no necesitarás ser propietario.Objetivamente, es exactamente eso lo que hay que hacer.¿Dónde me equivoco?
Esta gente no quiere que el pepito pueda ir al campo, o al pueblo, quieren que el pepito se quede en su ciudad y que sólo salga por medios colectivos. La antesala a implementar el salvoconducto del CO2 con el que el funcionario de turno decidirá que ya has viajado lo suficiente este año y no podrás subirte a ese tren o autobús que te permita salir de tu Eliseum de 15 minutos.