Saturday, January 21, 2012

Financial article I wrote.

Rabobank: house price falls in 2012

The affordability of Dutch houses will this year. This has a negative effect on house prices. That letter from Rabobank economists published today in the Housing Market Quarterly. Reasons for this are that less can be borrowed under the NHG, the possible tightening of repayment terms and the expected rise in mortgage rates. The prices of homes in 2011 are expected to fall by 2 percent whatsoever. The number of transactions remains probably constant (130,000). This is partly because the need for sales, homes for sale in length, will increase.

The Dutch housing market shows clear regional imbalances. Thus restoring the prices in the north of Holland, while the decrease in throughput for example southwestern Ontario. The former region is characterized by a relatively tight housing market, while the north and south of our country, some regions have very wide. The task in this (shrinking) regions, to avoid surpluses and the existing stock more attractive and to keep. In both cases, this means a major challenge. It should gez egd that it is a common task involving coordination and prioritization of the utmost importance, said the Rabobank economists.

Housing price development 1995-2012

The number of transactions remains historically low. In the fourth quarter of 2010 more than 7 percent fewer homes sold compared to one year ago. Approximately 126,000 homes changed owners a year, bringing the number of transactions at the bottom of a fluctuating bandwidth that is more than one year (between 126,000 and 130,000). Not only does the low number of transactions, homes are also longer for sale.

One of the few bright spots in the Dutch housing market is that the number of forced sales in December was lower even than during the same month last year. And this, while foreclosures internationally already very low with 0.05 percent of the housing stock. This means that households are still well able to meet their payment obligations. The almost one year long declining unemployment is partly responsible for.

Another positive is that the number of houses for sale in January 3000 fell compared to October of 2010. But it is too early to speak of a revival. In previous years, in January after all declined. This and do not interfere with the mortgage may indicate a good first quarter. But for the rest of the year are new policies and other market factors, a further recovery in the road, according to Rabobank.

Although the number of homes for sale has declined somewhat, it is still high. Compensation comes in the form of a sharp decrease in the number of completed homes. This expands the range stops. The coming year will be the new production is not expected to recover quickly, given the low number of permits. With serious consequences for the construction industry, who are already struggling.

Tuesday, February 8, 2011

Youtube favorites - P1.

So in this post i'll post a couple of my youtube favorites, wich include music videos, funny videos, weird videos, gaming videos or just entertaining videos. Thanks for the 35 comments on my update sunday, helped me a lot.

So we start with this video:

It's a speed art video, for my favorite gaming series. Halo. The outcome is really good in my opinion. Once upon a day i'll learn Photoshop too and make such epic edits.

This is a Counter Strike: Source edit from my favorite CS:S video editer. I talk to him on regular basis too. I love watching such high quality edits, partly because I edit CSS myself too.

My friend just sent me this over msn, don't ask me why. I found it entertaining, and no i'm not a racist ;)

Okay I know this sounds weird, but listen to this song simultaniously with I first saw this on online, and suprisingly it really works and really IS relaxing. I definitely recommend this, it really works.

There are 2 things I like a lot. Zelda and metal. Well, this video combines those two things, just amazing to watch and hear. Must see/hear.

We all know the World of Warcraft commercial with Mr T. This is an autotuned version of that commercial, suprisingly it actually doesn't sound so bad at all lol. 


Probably the best Call of Duty 4 montage out. Really, everything is good about this montage. Gameplay, A+. Editing, A+. Music, A+. Seriously a must see.

Sooo I guess that's enough for today. Later this week i'll post some other favorite videos. Please comment for videos you'd like to see in the next 'episode' of these 'series'. Thanks for reading/watching/listening.

Sunday, February 6, 2011

Update 2 - 6 feb.

I don't know what I should do with my blog. What kind of subjects should I talk about on my blog?
Should I post reviews? Should I just talk about some random subjects?

Please guys, halp!

Random song:

Thursday, February 3, 2011

Some songs.

In this blogpost I want to share some of my favorite songs at the moment.

Very old but very enjoyable.

I found this song from watching a Call of Duty montage, really like the intro.

And here my favorite song of the moment, from Rise Against. Can't wait for the new 'Endgame' album to release. 


Yes I know, a short post. I'm sorry but I didn't got to blogging today. This weekend i'll be offline, so stay tuned for a big update monday. 

Wednesday, February 2, 2011

Update - 2 Feb

This is just a small blog update, just to inform you guys about my earlier written blogposts. In the future i'm going to write about other subjects, such as my own interests. Also i'm going to post more things about music and lyrics and so on. I have a new blogpost scheduled for tomorrow, so stay tuned. Thanks for reading, byes.


This is what The Trap looks like!

Episode 3

The final programme focussed on the concepts of positive and negative liberty introduced in the 1950s by Isaiah Berlin. Curtis briefly explained how negative liberty could be defined as freedom from coercion and positive liberty as the opportunity to strive to fulfill one's potential. Tony Blair had read Berlin's essays on the topic and wrote to him in the late 1990s, arguing that positive and negative liberty could be mutually compatible. He never received a reply, as Berlin was on his death bed.

The programme began with a description of the Two Concepts of Liberty and Berlin's opinion that, since it lacked coercion, negative liberty was the safer of the two. Curtis then explained how many political groups who sought their vision of freedom ended up using violence to achieve it.

For example the French revolutionaries wished to overthrow a monarchical system which they viewed as antithetical to freedom, but in so doing ended up with the Reign of Terror. Similarly, the Bolshevik revolutionaries in Russia, who sought to overthrow the old order and replace it with a society in which everyone was equal, ended up creating a totalitarian regime which used violence to achieve its ends.
Using violence, not simply as a means to achieve one's goals, but also as an expression of freedom from Western bourgeois norms, was an idea developed by Afro-Caribbean revolutionary Frantz Fanon. He developed it from the existentialist ideology of Jean-Paul Sartre, who argued that terrorism was a "terrible weapon but the oppressed poor have no others.". These views were expressed, for example, in the revolutionary film The Battle of Algiers.

This programme also explored how economic freedom had been used in Russia and the problems this had introduced. A set of policies known as "shock therapy" were brought in mainly by outsiders, which had the effect of destroying the social safety net that existed in most other western nations and Russia. In the latter, the sudden removal of e.g. the subsidies for basic goods caused their prices to rise enormously, making them hardly affordable for ordinary people. An economic crisis escalated during the 1990s and some people were paid in goods rather than money. Then-president Boris Yeltsin was accused by his parliamentary deputies of "economic genocide", due to the large numbers of people now too poor to eat. Yeltsin responded to this by removing parliament's power and becoming increasingly autocratic.

At the same time, many formerly state-owned industries were sold to private businesses, often at a fraction of their real value. Ordinary people, often in financial difficulties, would sell shares, which to them were worthless, for cash, without appreciating their true value. This ended up with the rise of the "Oligarchs"—super-rich businessmen who attributed their rise to the sell offs of the '90s. It resulted in a polarisation of society into the poor and ultra-rich, and indirectly led to a more autocratic style of government under Vladimir Putin, which, while less free, promised to provide people with dignity and basic living requirements.
There was a similar review of post-war Iraq, in which an even more extreme "shock therapy" was employed—the removal from government of all Ba'ath party employees and the introduction of economic models which followed the simplified economic model of human beings outlined in the first two programmes—this had the result of immediately disintegrating Iraqi society and the rise of two strongly autocratic insurgencies, one based on Sunni-Ba'athist ideals and another based on revolutionary Shi'a philosophies.
Curtis also looked at the neo-conservative agenda of the 1980s. Like Sartre, they argued that violence would sometimes be necessary to achieve their goals, except they wished to spread what they described as democracy. Curtis quoted General Alexander Haig then US Secretary of State, as saying that "some things were worth fighting for". However, Curtis argued, although the version of society espoused by the neo-conservatives made some concessions towards freedom, it did not offer true freedom. The neo-conservatives were ardent supporters of the Augusto Pinochet regime in Chile which used violence to crush opponents in a police state.
The neo-conservatives also took a strong line against the Sandinistas — a socialist group in Nicaragua — who were seen as a threat to American security and against which the U.S. supported the anti-communist Contras. Curtis argued, they were using all manner of techniques, including the torture, rape and murder of civilians. The CIA allegedly funded the Contras by flying in cocaine into the United States, as financing the Contras directly would have been illegal.
However such policies did not always result in the achievement of neo-conservative aims and occasionally threw up genuine surprises. Curtis examined the Western-backed government of the Shah in Iran, and how the mixing of Sartre's positive libertarian ideals with Shia religious philosophy led to the revolution which overthrew it. Having previously been a meek philosophy of acceptance of the social order, in the minds of revolutionaries such as Ali Shariati and Ayatollah Khomeini, Revolutionary Shia Islam became a meaningful force to overthrow tyranny.

The programme reviewed the government of Tony Blair and its role in achieving its vision of a stable society. In fact, argued Curtis, the Blair government had created the opposite of freedom, in that the type of liberty it had engendered wholly lacked any kind of meaning. Its military intervention in Iraq had provoked terrorist actions in the UK and these terrorist actions were in turn used to justify restrictions of liberty.

In essence, the programme suggested that following the path of negative liberty to its logical conclusions, as governments have done in the West for the past 50 years, resulted in a society without meaning populated only by selfish automatons, and that there was some value in positive liberty in that it allowed people to strive to better themselves.

The closing minutes directly state that if western humans were ever to find their way out of the "trap" described in the series, they would have to realise that Isaiah Berlin was wrong and that not all attempts at creating positive liberty necessarily ended in coercion and tyranny.