A little over 20 days, the government ordered 8,700 million for the extra pay summer. Since the government of Rajoy came to power the pension fund has been reduced from just over 66,815 million euros (last date Zapatero government), to 24,207,000, a reduction of 63.2% of the Reserve Fund. The Ministry of Employment and Social Security announced that the corresponding amount has been used pension fund to respond to the payment of income tax of listed pensioners.
The Ministry of Employment states that is an exceptional refund to the need of illiquidity, noting that this amount will be repaid by the returns that the fund generates 24,207,000, a total of 25,521 million euros. The representatives of the CCOO and UGT trade unions have criticized the improvement in overall numbers of employees in the last quarter, it has not corresponded with an increase in prices. The type of contracts have not been full-time, has been a part-time replacement. # Work
With a spectacular view of the Vatican from the Villa Pamphilij park, Italian Prime Minister Matteo Renzi, on Wednesday met with his British counterpart, Theresa May, in Rome to address the departure of the United Kingdom of the European Union ( EU) after the triumph of “Brexit”. “Clear Time” and “certainty” were some of the conditions listed Renzi when defining the process leading to London to drop the block.
And the concern of Renzi is not accidental. After the “Brexit” all eyes now point to Italy, which is still suffering the effects of the crisis. On the one hand, European elites are pressing the premier about the situation of Italian banks (see page 64), while internally a strengthened against anti-Renzi wants to overthrow the government taking advantage of the holding of the constitutional referendum in October.
“Now the looming threat for Europe is the Quitaly (Quit + Italy), fears that Italy could decide she’s had enough of the single currency and return to the lira,” he said this week Larry Elliott, economic editor of the British newspaper the Guardian. “The center-left government of Matteo Renzi loses power and is replaced by the Five Star Movement, which has pledged to hold a referendum on the euro exit. Given the state of the economy, can not be ruled Quitaly. If this happens, the single currency would collapse, “Elliott wrote.
” If measures were rejected in the referendum (October), we expect the fall of the government Renzi. The formation of a new stable majority, either before or after new elections, could become extremely difficult, even by Italian standards, “said a group of analysts from Deutsche Bank through a note sent to clients in May.
Renzi, through the referendum, is asking Italians agree on a series of reforms to simplify its political system, which he considers “core” for administration. According to Wolfgang Münchau, director of consulting Eurointelligence, “the proposals are reasonable. But Italians see the referendum as an opportunity for a mid-term vote against the government “.
In a letter written in the Financial Times column, Münchau notes that Renzi promised he would resign if he loses the query. “If it does, it will have been a monumental error of judgment on the scale of (the now former British Prime Minister) David Cameron,” he says. “Opinion polls have shown a slight advantage it for Yes, but is likely to be as unreliable as the UK,” he said.
In fact, a survey by the consulting Demos, published in early July by the Italian newspaper La Repubblica, revealed that while support for the “Yes” fell from 50% to 37% since February, which be inclined to the “No” increased from 24% to 30% over the same period. Should Renzi lose, analysts believe that the prime minister could resign immediately or call elections in early 2017.
Renzi and the Democratic Party have already suffered a first setback this year with the defeat communal elections in June, when they lost the government of Rome and Turin, among others, at the hands of populist, anti-establishment Five Star Movement of Beppe Grillo. Therefore, Münchau argues, the party of former comic “should not be underestimated”.
Not when Grillo has reiterated his call for a referendum on Italy’s membership of the euro zone. In addition, a survey conducted in May showed that 58% of Italians want a consultation on its accession to the EU, although only 48% had decided to leave her. “The implications of ‘Brexit’ for Italy are extremely worrying” says Münchau, while other experts warn that it could be only at the beginning of a real earthquake, whose epicenter not be situated in London, but in Rome.
Expand / The devaluation of Latin American currencies and the pound after Brexit, with extraordinary minor damage accounts Telefonica, Repsol, Santander and BBVA, among others.
Large companies of the Spanish stock market closed the first half of the year with a total net profit of 16,985 million euros, representing a fall of 12.5%. The decline in profits is due largely to the negative impact of foreign exchange and the extraordinary minor positive over the same period of 2015, factors have taken their toll on the accounts of many companies in the Ibex.
Nevertheless, in the absence of knowing Merlin data and Inditex, the descent of the result has been slowing in recent months. The star parquet companies won 24% less at the end of 2015 -when which broke a trend of almost two years of uninterrupted increase in the results of Ibex and in the first quarter of 2016, down 16.6% .
the Ibex firms have a strong presence in Latin America, where the Brazilian real (key market for Telefonica and Santander) and other currencies in the region have depreciated against the euro. Something similar has happened in Britain, whose currency has depreciated by Brexit. This factor, coupled with the presence of positive (or more negative atypical) Extraordinary children, has hurt, especially Telefonica, Santander, BBVA and Repsol, with falls of results between 31% and 40%.
the worst evolution of these four companies, together accounting for almost 40% of the profits Ibex in the first half of 2016 (6.623 million compared to 10,215 million for the same period last year), has weighed down the numbers global.
Abertis Another element that has played against is the profit decline 70% by Abertis juicy capital gains obtained in 2015 with the IPO Cellnex. However, the gross operating profit (EBITDA), which excludes non-recurring items rose by 10.4% Abertis.
Iberdrola and Endesa, which are among the five companies in the Ibex most won until June, also they reduced the result by atypical. Excluding these factors, Iberdrola would have increased profit by 13% and Endesa, 7.9%.
On the other hand, some companies like Acciona and Bankinter boosted their accounts precisely thanks to the elements nonrecurring, although there are few cases. Actuates sixfold to 592 million, thanks to gains from the merger of its subsidiary turbines with German Nordex and Bankinter gained 45% after incorporating the business of Portugal acquired Barclays.
positive evolution Other firms such as Gamesa, IAG, Aena, Mediaset, Amadeus, Cellnex and Mapfre reflect a good performance of its core business, with significant increases in profits. The biggest demand boosted Gamesa wind; IAG was favored by improved British Airways and Iberia and the reduction in fuel prices; Aena and it improved by the increase in air traffic, but also scored remarkable by the reversal of provisions related to the expropriation of land. Mediaset squeezed higher advertising revenue and significantly improved its business Mapfre in Spain.
also positive news is that Arcelor, Indra and FCC have abandoned the losses and all the Ibex is positive. The steel benefited from increased prices, increased demand and a positive extraordinary in the US; Indra won 31 million after undertaking extensive restructuring; and FCC, which since July 18 is no longer in the Ibex returned to the black after debt relief its subsidiary Realia
SPAIN. The Ibex companies earn 12.5% less for currencies and atypical
The app Pokemon Go was updated this Saturday, July 30.
The version 1.1 0.31.0 iOS and Android includes several enhancements to the performance of the app, including improvements in the use of device memory. In the first instance, the new version for Apple devices feel faster, for example. Also, the company developing the app, Niantic, has corrected errors that appeared when you topabas and were trying to capture a wild Pokémon -. In the previous version, the screen tended to freeze
In addition, update now allows you can change the design of your avatar from the screen of the coach profile, plus it has adjusted the way the damage to some Pokémon is calculated during battles.
also, something that frequent users of the app will notice immediately is that the update has removed the tracks that appeared next to the icon of a nearby Pokémon before catching him.
has been also updated and changed the way they present the details of a Pokémon on the screen, as well as medals achievements or milestones within the game.
Finally, Niantic corrected in the app the way they showed some of the functions of maps ., and correct problems related to the text on the screen
Go Pokémon is a game that can capture the monsters and creatures of the universe of Pokémon – the best known being called is a yellow Pikachu – within a map that reflects the physical world. The game is augmented reality, which means that when you run into one of the pokémons, the game places within the physical space in front of you using your camera phone. The idea of the game is to capture as many monsters, plus earn points by visiting sites within the map called poképaradas and make your pokémons fight in the pokégimnasios, you can also find on the map. All these activities require the player to scroll through many kilometers.
The game has already been downloaded more than 75 million times and has broken records in both app stores.
As every year for almost a decade, the most anticipated release is the Apple iPhone. Which makes sense. In 2007 Apple completely changed the way we interact with our digital being physically and nine years later sold its iPhone number 1000000000.
http://es.gizmodo.com/apple-ya- ha-ve …
Yes, the iPhone is losing its luster over the years, but still an iPhone. And as with any release of iPhone, we have a lot of rumors, leaks and debates that begin to paint a compelling picture of what we see in September. Features may vary, but it is very likely that this is the next iPhone
.
name
iPhone 7 right? It is not so simple. IPhone commandments say something like “honor the number and” s “, but the” s “only every two iPhones,” but things could change in 2016. Most media say the new iPhones (both / three variants) could be called iPhone 7 iPhone 7 Plus and iPhone 7 Pro. However, an article from a blog German gadgets says the device could be named iPhone 6SE, a continuation of the brand that debuted with the iPhone SE 4 inches in March. They would be taking a major change in the naming scheme of the iPhone: “number” to “S” and “S” to “SE”
It is rumored that the iPhone 2017 will come with much larger changes. , including an OLED display and a crystal case. It’s the kind of updates that are normally expect from an iPhone “new number”. Which means it could be another year before we know the real iPhone 7.
But more likely is that the phone this September itself is called iPhone in July.
design
This is where Apple will probably receive the greatest mockery of Android fanboys. (JAJAJA, IS THE SAME PHONE. Apple users are a sheep.) And is that for the moment all leaks suggest that the iPhone 7 will have a very similar to the iPhone 6s, which was identical to the iPhone 6 last year look . It is a strange bubble of hypocrisy in which people criticize other companies not to change their design every year, but Apple gets away scot-free.
We believe that will keep the design in metal, the LCD and the front glass. But, like the iPhone 6s last year, you will see some adjustments to the design if you know where to look. The Wall Street Journal published in June that the new iPhone will be thinner mm, with about 6.1 millimeters thick instead of 6.3 we have now. It is so incredibly thin as Motorola Moto Z of 5.2 mm, but is likely to be thin enough to force us to buy a new case.
It is also thin enough to mean that our dear headphone jack could have gone. This iPhone rumor emerged in 2014 when headphones began to appear with Lightning connector. The only difference is that this time is more likely that will happen. Most leaks confirm the idea and the Wall Street Journal ratified it.
http://es.gizmodo.com/el-moto-z-es-e…
the Japanese blog Mac Otakara, who started this whole buzz around the headphone jack, says that Apple will not include wireless EarPods or Lightning connector but EarPods standard 3.5 mm with a converter. . Steve Jobs will probably be turning in his grave, but that’s the way
Image: Tinhte.vn (adapter may look a lot like this)
Supposedly Apple will add a second speaker the space will free the late headphone jack. But you probably do not emit sound stereo as the new iPad Pro from Apple.
Mac Otakara also ensures that the start button of the iPhone, which will continue to occupy an amount upset space at the bottom of the frame telephone, this time will be flush with the rest of the device rather than slightly recessed as in other generations. Nor will click. Instead it uses the Force Touch technology that Apple introduced the MacBook trackpad.
In the back of the phone supposedly we find two visual differences. The first is a redesign of the antenna lines we had in the iPhone 6. In the filtered images is that will still be there, but relocated. The other difference is a slightly modified extrusion chamber, probably due to the slimmest iPhone 7 frame.
In many of these leaks, the protagonist is a third iPhone. Apparently it is the iPhone 7 Pro. It is likely to be exactly the same size as the iPhone 7 Plus, but has a lens improved dual camera, similar to camera units we’ve seen on phones like the LG G5. The idea is that a second lens greatly increases the visual field of the phone, something the iPhone could really use
Note the Smart Connector. Picture:. Bastille Post
The other bonus of the Pro model would be the Smart Connector system that we saw in the iPad Pro and used to charge or connect a keyboard. However, recent papers suggest that after some initial testing Apple would have decided to abandon the idea because it was useless. Probably a good idea.
It also calls into question the very existence of the iPhone 7 Pro. The always reliable @evleaks, professional filtrador, he says there are only two models. However, the large amount of leakage around the Pro indicate that at least Apple has thought about it. At the moment, the truth is a nebula.
The latest big news is that, according to some Chinese blogs, the iPhone 7 will be waterproof, which is not unreasonable because the iPhone 6s practically are. If Apple is able to make an iPhone completely waterproof (certified IP68), eventually will catch up with Android manufacturers like Samsung, which launched its own submersible phone glass and metal with S7 earlier this year.
specifications
the design decisions Apple with the iPhone 7 could face users, but with the hardware specifications generous blow on expected table. Again, Apple bet on the A10 ARM-based processor, which built exclusively Taiwan Semiconductor Manufacturing Company (TSMC). It will be the most powerful mobile processor Apple to date, beating to the iPad Pro chipset, which is already brutally fast.
The camera also would have received his share of love. As mentioned before, the elusive Pro model could have a dual-lens system. But according to 9to5Mac, normal models 4.7 inches and 5.5 inches will stay with a 12 megapixel camera. However, the sensors will be larger than in the iPhone 6s. This should be felt significantly in taking pictures in low light. And because of this double lens, Apple might have to up the RAM of its largest to 3GB for photographic processing phones, while the iPhone 7 would be 2 GB.
As for autonomy the reliable @OnLeaks also says that the iPhone 7 could see a 14% increase in the size of your battery. Since the technology of the screen will not be changing much and A10 should be more efficient than previous chips, this can only mean good things for the autonomy of the iPhone. After all, more battery means more Pokémon Go .
An amazing piece of Wall Street Journal says that the iPhone 7 Apple will depart 32 GB in the base model. That is very good because 16 GB in 2016 is a catastrophic garbage for a phone that costs more than $ 650. According to a rumor posted on Weibo, the iPhone 7 will also have a maximum storage space of 256 GB, a monstrous amount.
iOS 10
most Apple software developments are already in the hands of iPhone users with the new program of public betas of Apple. You can read about iOS 10 right here and see the best features in GIFs. There are also a few hidden options worth knowing.
http://es.gizmodo.com/las-mejores-fu…
But as happened with or 3D Live Photos Touch on the iPhone 6s, we may see specific software for the new hardware (such as dual-lens camera, for example). In addition, with enhanced home button, Apple could implement shortcuts hardware or new capabilities specific Siri for the iPhone in July.
Price
the story can be a good indicator of the price of the iPhone 7. the iPhone 6s and 6s Plus started from $ 650 and $ 750, respectively. In Weibo, when they spoke of the new storage option of 256GB, also they suggested a price for the iPhone 7 Pro: $ 900. Clearly the Pro will be for people going seriously or people a little idiot. Or one or the other
As for the colors, Apple could offer new options. Gold, pink gold, silver, space gray and black space as Mac Otakara. This would be consistent with the options available for the Apple Watch.
Availability
According @evleaks, the iPhone will be released on September 16 with reservations available on September 9. Usually the event iPhone falls near the 9th, so Apple might be planning a tempranero or plan to open the reserves the iPhone shortly after announcing the phone event.
Amazon.com Inc. this week reported a higher than expected rise in sales, driven by strong growth in its cloud services unit and an increase in subscriptions in your program Prime loyalty.
shares of the largest online retailer in the world gained 2% in operations after closing the regular session on Thursday.
Amazon also forecast sales for the current quarter of between US $ 31,000 and US $ 35,500 million million, taking into account income from their annual shopping event Prime Day.
net sales of the company in North America, its largest market, jumped 28.1 percent to US $ 17,670 million.
the income from your business cloud services, Amazon web services, jumped 58.2% to US $ 2,890 million, which exceeded US $ 2,830 average estimates million, according to the firm market research FactSet StreetAccount.
the unit, the fastest growing of the company, is seen as the next engine of expansion Amazon.
net sales increased 31.1% to US $ 30,400 million in the second quarter ended June 30.
Amazon Earnings rose to $ 857 million, or $ 1.78 per share, from US $ 92 million, or US $ 0.19 per share, a year ago.
on average, analysts expected a profit of US $ 1.11 per share and sales of $ 29,550 million, according to Thomson Reuters I / B / E / S. (Reuters)
Europe is on vacation and convulsed. Repeated and serious terrorist attacks in several countries do nothing but deepen concern about the problem of immigration. If this was perhaps the most important outcome of the British referendum, which determined the output of the United Kingdom (UK) European Union (EU) why what happened the following month seems to confirm the fears and rejection of immigrants, particularly from the Middle East.
the political crisis provoked by the Brexit, which forced the resignation of Prime Minister David Cameron unexpectedly resolved quickly. The party had to make in September, internal elections to choose a successor to resigning, so the announcement that the resignation would take effect only in October. But it happened that potential candidates resigned and was only career until then Interior Minister Theresa May, who in a few hours became prime minister. May appointed in Foreign Boris Johnson, who had led the campaign for the exit.
concretized the electoral decision to give the EU a traumatic situation portended, since from the Union is pressing for an immediate output Britain; there were strong expressions of the leaders in this regard, while the British seemed to reign in bewilderment. Past few weeks, and under the impact of numerous attacks and dead, tempers have calmed and the output is no longer seen as an abrupt break. He may traveled Germany where he held an important meeting with Chancellor Angela Merkel and other leaders of the Community. It was agreed to give some time to the UK to prepare an orderly exit, in complex and unprecedented situation.
In this way the British Government has said that the formal communication of output required by Article 50 of the Covenant Lisbon, will not be made before the end of this year. From there will be a period of two years to realize the effective output. There is also no certainty that this procedure be used or other roads are.
Meanwhile seems to extend a strong resurgence of populist nationalism and in many, there are fears whether heading to the disintegration of the Union . This does not seem to find an efficient policy to manage the complex and serious problem of immigration. And nationalist movements are becoming stronger and clear outbreaks of xenophobia observed. Some objections to the functioning of EU appear well founded.
They see it as very undemocratic organization, away from ordinary citizens, managed by a golden bureaucracy, one of many elites who today reject citizens. There is consensus that the EU needs reform in the countries that generate interest to stay and not leave. The EU is a remarkable case of a political construction that in sixty years gave peace and progress to countries that had been destroyed in two world wars. It would be unfortunate that this creation collapsed; nobody would win it.
From across the UK, concern for the future is great and there are few who have repented to vote for the Brexit or for not going to vote. The new prime minister raises hopes and concerns. Some of their ideas are striking. For example, he argues that “the world of big business must change.” It proposes measures such as employee participation in company boards; annual binding shareholder vote on executive pay; consumer representation on the boards; . Restrictions on predatory acquisitions
On the future is almost apocalyptic predictions, such as M. Vargas which provides a slow decline and a possible disintegration of the Kingdom; while, on the other hand, some economists say GB, which supports free trade and the functioning of markets, end up gaining the medium term.
Europe is on vacation and convulsed. Repeated and serious terrorist attacks in several countries do nothing but deepen concern about the problem of immigration. If this was perhaps the most important outcome of the British referendum, which determined the output of the United Kingdom (UK) European Union (EU) why what happened the following month seems to confirm the fears and rejection of immigrants, particularly from the Middle East.
the political crisis provoked by the Brexit, which forced the resignation of Prime Minister David Cameron unexpectedly resolved quickly. The party had to make in September, internal elections to choose a successor to resigning, so the announcement that the resignation would take effect only in October. But it happened that potential candidates resigned and was only career until then Interior Minister Theresa May, who in a few hours became prime minister. May appointed in Foreign Boris Johnson, who had led the campaign for the exit.
concretized the electoral decision to give the EU a traumatic situation portended, since from the Union is pressing for an immediate output Britain; there were strong expressions of the leaders in this regard, while the British seemed to reign in bewilderment. Past few weeks, and under the impact of numerous attacks and dead, tempers have calmed and the output is no longer seen as an abrupt break. He may traveled Germany where he held an important meeting with Chancellor Angela Merkel and other leaders of the Community. It was agreed to give some time to the UK to prepare an orderly exit, in complex and unprecedented situation.
In this way the British Government has said that the formal communication of output required by Article 50 of the Covenant Lisbon, will not be made before the end of this year. From there will be a period of two years to realize the effective output. There is also no certainty that this procedure be used or other roads are.
Meanwhile seems to extend a strong resurgence of populist nationalism and in many, there are fears whether heading to the disintegration of the Union . This does not seem to find an efficient policy to manage the complex and serious problem of immigration. And nationalist movements are becoming stronger and clear outbreaks of xenophobia observed. Some objections to the functioning of EU appear well founded.
They see it as very undemocratic organization, away from ordinary citizens, managed by a golden bureaucracy, one of many elites who today reject citizens. There is consensus that the EU needs reform in the countries that generate interest to stay and not leave. The EU is a remarkable case of a political construction that in sixty years gave peace and progress to countries that had been destroyed in two world wars. It would be unfortunate that this creation collapsed; nobody would win it.
From across the UK, concern for the future is great and there are few who have repented to vote for the Brexit or for not going to vote. The new prime minister raises hopes and concerns. Some of their ideas are striking. For example, he argues that “the world of big business must change.” It proposes measures such as employee participation in company boards; annual binding shareholder vote on executive pay; consumer representation on the boards; . Restrictions on predatory acquisitions
On the future is almost apocalyptic predictions, such as M. Vargas which provides a slow decline and a possible disintegration of the Kingdom; while, on the other hand, some economists say GB, which supports free trade and the functioning of markets, end up gaining the medium term.
Rome. The bank Monte dei Paschi di Siena (MPS), which is in the center of the banking crisis in Italy, had taken the initiative by publishing a rescue plan for several billions of euros when there was not even an hour to make themselves the results of the stress test.
Shortly after it was confirmed that the MPS had received, as the worst note expected. However, other Italian banks fared better than expected, what the president of the Italian Banking Association, Antonio Patuelli, used to ensure the “credibility of Italian banks has been strengthened.”
Although the MPS is ready to attack their problems and the fact that other banks did such a bad paper as feared, the fundamental problems of the Italian banking sector remain.
the Monte dei Paschi di Siena , founded in 1472, it aims to get rid of more than half of their non-performing loans and to carry out a capital increase of more than 5 billion euros.
the huge amount of non-performing loans, by volume total of about 360 billion euros, is one of the biggest problems of Italian banking. This volume is equivalent to approximately one third of all loans at risk of default in the European Union and is also a legacy of prolonged recession, whose consequences continue to plague the third eurozone economy.
“In Italy, banks continue to suffer the consequences of the economic crisis in the country. Lack growth for profits and offset losses from bad loans. This problem still exists, “said today dpa banking professor Martin Hellmich, of Frankfurt . School of Finance
banks are trapped in a vicious circle: in the situation where they are can not grant new loans, slowing economic growth. However, it is precisely lenders that depend on the presence of a robust economy to strengthen their balance sheets by their own efforts.
“The Italian banking crisis has not been overcome. The market will keep pushing banks clean up their balance sheets that, “said meanwhile the banking expert Philipp Wackerbeck, the consulting firm PwC.
in 2014 stress tests had suspended nine Italian banks. However, according to the president of the Union of German Banks, Michael Kemmer, little has been done after overcoming the weaknesses of financial institutions. Experts also Daniel Gros and Willem Pieter de Groen, the think tank CEPS in Brussels, emphasized that “Italian banks suspended or were about to suspend all tests of European stress tests conducted so far.”
analysts also see other serious problems in Italy. In many places there for years mismanagement and nepotism without anyone being held to account. Add to this a too lax lending is added. In addition, the Italian banking sector is totally oversized, heavily fragmented and inefficient. In Italy, politics and banks are closely intertwined, so a banking crisis can quickly lead to a crisis of the state.
Therefore, Prime Minister Matteo Renzi and his government have been around months dealing the problem of banks. Renzi faces in Italian politics to strong pressure. The top priority for him is to prevent small investors affected by the possible rescue plans for banks, which is against the rules of the European Union. Last year committed suicide in Italy a retiree who had lost their life savings because of a bank bailout and many voters blamed the government for this tragedy.
In Brussels and other European capitals is growing fear political destabilization in Italy. In October in the Mediterranean country the important referendum on the proposed constitutional reform, which Renzi has linked its own political future. Should Renzi suffer a defeat, Italy could be doomed to call early elections, which would be a horror scenario for the EU because those elections could help up to power the Movement 5 Star, Eurosceptic and totally unpredictable political organization.
the Monte dei Paschi di Siena, the oldest bank in the world, . has been the only European entity listed below the minimum capital requirement in the endurance test published today by the European Banking Authority
Guido Gennaccari, a financial analyst in Rome, says: ” We already knew that the bank Banca Monte dei Paschi di Siena is in a very difficult situation. It is the most penalized bank while Intesa is one of the best. This already could be seen in the charts earlier this year. The stock market suffered an internal rescue, then Brexit and now the test of resistance “.
The six Spanish banks analyzed have obtained a set ratio of 8.6%, far below the minimum exigid with BFA -Bankia shares in the best position among them and Banco Popular at worst.
EBA has evaluated 51 large European banks that have a minimum of 30,000 million euros in assets. And all the 51 entities would get a capital ratio of highest quality against risky assets.
Since early this year, Community legislation requires that they first shareholders and creditors who assume losses banks before involving public capital.
Does this iPhone say “Goodbye” to the Home button and connector Jack 3.5 mm?
Although it will not have a complete redesign, the iPhone 7 will incorporate many innovations, from a largest camera and a new sensor , battery larger 14% than the previous generation, increased basic memory to 32 GB , leave the jack 3.5 mm, will be waterproof , among other details. However, the front itself present a change , whose change could mark a before and after in mobile devices from Apple.
A couple of weeks saw renders iPhone 7 that were based on rumors, so we could appreciate the redesign of the antennas, a larger camera, they showed the iPhone in a color Space Black , but the physical button would be gone .
it seems that this proposal renderings could be successful, and that Apple could bet eliminate the physical part of the button to replace a sensitive area , very similar in size to the current Touch ID, with response through vibration as in the MacBook with Force Touch to simulate the click.
Moreover, we found yesterday a patent Apple , which is related to the purchase of the company AuthenTec and describes the function of the Touch ID no physical button filtered. It also shows how you might use screen as a biometric sensor (fingerprint). Perhaps old rumors suggested that the Touch ID would hide behind the screen thanks to a patent filed by Apple, though, thinking it over, is too early for Apple to integrate this feature in the iPhone this year, even it is for the iPhone 2017
regarding the disappearance of mini jack connector 3.5 mm and the possible elimination of the Home button, both made much would support the idea of Apple create a water resistant device . Although it is unknown whether the redesigned button home will be able to detect the exact pressure, it is very logical that the manufacturer chooses this to take the next step in the next generation.
Speaking of the absence of mini jack 3.5 mm, what will Apple to forget the users who can not use their headphones or earphones with its next flagship? found that Samsung Give Away adapter micro-USB to USB Type-C with Galaxy Note 7 , hopefully the signing of the bitten apple also has the same consideration.
it is very clear that Apple will offer an adapter 3.5mm to Lightning port iPhone , more because yesterday has posted a video which shows a small accessory with all the essence of brand accessories and other curiosities about the accessory.
Apple adapter was tested on an iPhone 6s Plus
a YouTube channel of Vietnam posted a video giving a brief look at the adapter that will give a second life to the headphones port Jack for iPhone 2016. we can realize that the adapter retains the traditional look of any cables that sells Apple, white tone , short and a matte finish .
the channel used a iPhone 6s Plus Rose Gold running a beta of iOS 10 for testing fixture, before which the iPhone responds very well. On the other hand, we also used a iPad Mini 4 with iOS 9 , however, this great little rejects the cable displaying “ This accessory is not supported by this device “(this accessory is not supported by this device).
the compatibility of accessory with iOS 10 states that could try some official adapter , not However, the site 9to5Mac says that the cable comes from a Foxconn factory in Vietnam. Now we’ll see if Apple thinks its users and offers this accessory with the iPhone 7 or decide to sell it from the Apple Store.
Finally, from Macotakara report that it is also likely Apple does not give you the name of iPhone 7 to the next to present this year, and instead would be iPhone 6 SE . This decision of the manufacturer would not be surprising because it is a phone with minor updates. For its part, the suffix ( Special Edition ) has been present in several Apple products throughout its 40 year history, but thanks to iPhone SE that suffix is regained.
Another reason for this name is that potential buyers what differ from the real iPhone 7 , with many more changes including highlight its renewed glass design and OLED panel . Also in this generation would find the same color palette iPhone, although the classic Space Gray would be different, it is nearer to a dark gray similar to the iPhone 5 , very MacBook-like tone.
the Monte dei Paschi di Siena, the oldest bank in the world, . has been the only European entity listed below the minimum capital requirement in the endurance test published today by the European Banking Authority
Guido Gennaccari, a financial analyst in Rome, says: ” We already knew that the bank Banca Monte dei Paschi di Siena is in a very difficult situation. It is the most penalized bank while Intesa is one of the best. This already could be seen in the charts earlier this year. The stock market suffered an internal rescue, then Brexit and now the test of resistance “.
The six Spanish banks analyzed have obtained a set ratio of 8.6%, far below the minimum exigid with BFA -Bankia shares in the best position among them and Banco Popular at worst.
EBA has evaluated 51 large European banks that have a minimum of 30,000 million euros in assets. And all the 51 entities would get a capital ratio of highest quality against risky assets.
Since early this year, Community legislation requires that they first shareholders and creditors who assume losses banks before involving public capital.
The focus was on Italy and the results were far from what the market expected.
Yesterday, the European Banking Authority (EBA) presented the results of stress tests conducted on European banks which determined that the world’s oldest bank, Italy’s Monte dei Paschi di Siena (MPS), obtained the worst result, to exhibit a capital below the minimum required to dispel doubts about its solvency.
Analysts had informally set a basic approval mark of 5.5%, the threshold reached in the test From last year.
The company, which is the third largest in Italy, showed a negative ratio of -2.23%, giving support to the concerns of the authorities fear it could spread to the mainland or the other banking in the country, all of which reached a level of 7.7%.
Following the results, the European Central Bank (ECB), urged the MPS to reduce by about 30% the volume of doubtful loans to 2018. In doing so, they would rise from 46,900 million to 32,600 million euros .
In addition, the company received a proposal to clean up their finances by firms Intesa Sanpaolo and UBS aimed at reducing around 9,600 million volume of NPLs.
It should be recalled, shortly before knowing the results of tests of the EBA, the MPS approved a capital increase of 5,000 million euros and sales of 27,700 million in bad loans, a plan that has the approval of the ECB. Nevertheless, doubts about the Italian banking have led the government of Matteo Renzi to suggest the idea of injecting 40,000 million euros to the sector, however, that project would conflict with the new European regulation to rescue banks, as they required to be shareholders and creditors first assume the losses, before involving public capital.
this time, the EBA evaluated 51 large European banks with a minimum of 30,000 million euros in assets, while in 2014 it monitored the situation of 123 entities. In addition, this time not set a minimum capital threshold, so did not disclose notes of approval or suspense on each bank.
To examine the ability of entities in an adverse scenario, the EBA established a hypothetical recession in 2016 (-1.2%) and in 2017 (-1.3%), followed by growth in 2018 (0.7%).
the rest of Europe
the situation is far from the Italian bank thrown by the test for the rest of system in Europe.
the examination showed that his seat is at a healthy level, considering the adverse hypothetical scenario for the next three years.
Thus, in the case of Germany, its main banks, Deutsche Bank and Commerzbank, obtained a ratio of 7.8% and 7.42%, respectively. While the 10 entities analyzed in that country received a score of 9.5% overall. In the case of Spain, its banks posted a rate of 8.6%.
“The result demonstrates the resilience of the European banking sector in general, thanks to a significant increase in capitalization,” said the EBA in its report.
“The stress test EBA in 2016 shows how the benefits of improved capital made so far is reflected in the resilience of the European banking sector in the event of a severe shock,” he said the council president, Andrea Enria, adding that this was vital to accelerate the process of repair bank balance and restore the flow of loans to households and businesses test.
Madrid, July 29 (EFE) .- The Acting Minister of Economy, Luis de Guindos, explained today that the UK decision to leave the Union European (EU), known as “brexit” will have an estimated Spanish GDP 2017 “two or three tenths” impact, ie between 2,000 and 3,000 million.
“the ‘brexit’ has a direct impact on Spain, indirect way the rest of the Union, and we have been assessing the environment of two or three tenths in 2017 “, said De Guindos after approving the Council of Ministers a new macroeconomic framework.
the caretaker government has raised the forecast of GDP two tenths to 2.9% in 2016, while 2017 has reduced by one tenth to 2.3%.
Guindos has been asked by a statement in which the Eurogroup chairman Jeroen Dijsselbloem said he was “disappointed” by the decision of the European Commission (EC) to cancel the fine to Spain and Portugal.
regard, he noted that in his opinion the Eurogroup and Ecofin will adopt “without any objection” to the recommendation of the Commission, both on the sanction as around the deficit path.
also he stressed that the preparatory meeting for the meeting of finance ministers of the euro zone has already taken place “and that there has been no observation of what has been the recommendations of the EC”.
therefore, De Guindos assumes that the recommendation “will be adopted without any objection” because it also would require a reverse enhanced majority “that certainly did not occur at all within the Eurogroup and the Ecofin” to reject EC recommendation
“The Brexit has a direct impact in Spain, indirectly via the rest of the Union, and we have been assessing the environment in two or three tenths in 2017, “said De Guindos.
The minister also announced that the Government of Spain raised its growth forecast to 2.9% after having located at 2.7% in April. Instead, De Guindos lowered expectations for 2017, rising from 2.4% to 2.3%.
“We improved in a very cautious way projection 2016, because we are assuming that in the second half of the year will slow down, but it does not have to occur, at least in the third quarter, which may again be a strong quarter, “said the minister,
in this macroeconomic context the Government should work to develop the expenditure ceiling of the Budget 2017 following the decision of the European Commission to impose a deficit limit of 3.1% for that year.
An amazing rebound in earnings and value Amazon shares have become its founder, Jeff Bezos, the third richest person in the world, according specializing in business Forbes magazine.
the publication, which publishes every year a list of the richest in the world, estimated net worth Bezos $ 65 . 300000000 .
Much of the wealth of the entrepreneur is tied to Amazon, where he owns 18% of the shares.
And its rise in the ranking of the most millionaires in the world is thanks to gains Amazon in recent months have exceeded all expectations of economic analysts.
Amazon earned income by more than US $ 30 . 400000000 in the second quarter, a dramatic rise from 31 % over the same period last year.
proceeds from e-commerce giant climbed US $ 857 million in the second quarter, compared with US $ 92 million obtained in 2015.
According to Forbes, fortune Bezos is only surpassed by the founder of Microsoft Bill Gates , who has an estimated US $ 78.000 million heritage, and the founder of Zara Amancio Ortega , who adds US $ 73,100 million.
Until his luck changed last year, the company founded by Bezos in Seattle as a company sale online books, was known for almost not announce earnings . However, since then there has stopped growing.
For example, since February this year its shares have risen 50%, thanks to Services as Pr ime (Premium in Spanish), which offer additional benefits to their customers, as shipments unlimited free for an annual payment.
This service has been a spectacular international growth. Amazon announced in June the expansion of this service in India , which expects to benefit from a vast consumer market.
The company has also improved its Prime service better video service, an area with which competes with Netflix .
Day Prime, an event global and exclusive shopping for customers Amazon Prime which took place on July 12, was the day’s highest sales in company history.
Although Amazon does not disclose data about their service Prime, the investment analysis company Consumer Intelligence Research Partners estimates the revenue generated by this provision in about 63 million. Members of Prime spend an average of $ 1 . 200 a year , compared to US $ 500 for nonmembers.
proceeds from Amazon for its cloud services also increased dramatically , in 58 , 2%, to reach US $ 289,000 million, also exceeding analysts’ expectations.
sales in this area increased 10% in North America and 8% in the rest of the world.
Amazon has increased its market share cloud services in connection with rivals like Microsoft and Google .
also it has sought to expand its presence in other sectors and has launched a shop selling food online in the UK.
earlier this month, also it announced an agreement with the bank Wells Fargo USA , to offer discounts on student loans to customers of their services Prime
July 29, 2016, 18:05 London, July 29 (PL) The European Banking Authority (EBA) today reported that the Italian bank BMPS ranks as the most vulnerable to economic degradation, analyzing the creditworthiness of 51 financial institutions within the scope of the European Union.
Among all evaluated, Banca Monte dei Paschi di Siena (BMPS) is the entity that would be less able to cope with an unfavorable economic context of 2018, he presented research.
A total of 13 banks were rated negatively the EBA; these include the German Deutsche Bank and Commerzbank and Royal Bank of Scotland, revealed the stress test which took into account various indicators on capital and assets of such institutions.
According with EBA, tests showed, in general, the resilience of the banking sector in the European Union (EU) in case of an adverse economic scenario.
on average, capital CET 1 (Common equity Tier 1 English) would drop 380 basis points, a level of 13.2 percent to one of 9.4 percentage points.
This dimension is greater than the minimum set by the regulatory authorities, but notes involve either heterogeneous conditions according to the entity receiving each rating.
the agency said that the banking sector in the EU “improved its capital base in recent years” at 200 basis points compared to similar report in 2014 and 400 points from the review in 2011.
Meanwhile, the Bank of Italy acknowledged the negative considerations BMPS and appreciated that four of the five largest banks showed good behavior in the review by the EBA.
UniCredit, Intesa Sanpaolo, Banco Popolare and UBI Banca reached a ratio of capital against risk assets quality (CET 1) “of 3.2 percentage points from the 3.8 percent of the sample mean, “said the Italian BCV.
” Monte dei Paschi Including the impact would be, in weighted terms, of 4.1 percentage points, “estimated the Bank of Italy.
in its statement, the agency recalled that BMPS is the subject of a restructuring plan approved by the European Commission, “during which they have obtained remarkable results in the field of organizational rationalization and the reduction of costs “
Image copyright Getty Images Image caption Jeff Bezos founded Amazon in 1994 as a shop selling books online .
A staggering rise in earnings and the value of the shares of Amazon have made its founder, Jeff Bezos, in the third person more rich planet, according to Forbes magazine specializing in business.
The publication, which annually publishes a list of the richest in the world, estimated net worth Bezos $ 65 . 300 000 000 .
Much of the wealth of the entrepreneur is tied to Amazon, where he owns 18% of the shares.
And his rise in the rankings of the most millionaires in the world should thanks to gains Amazon in recent months have exceeded all expectations of economic analysts.
Amazon earned receipts by more US $ 30 . 400000000 in the second quarter, a dramatic increase of 31% over the same period last year.
Jeff Bezos
born in Albuquerque, New Mexico, in 1964
he studied at Princeton University and worked on Wall Street
he founded Amazon as a bookselling company in Seattle, USA, in 1994
The company expanded dramatically, but struggled to have earnings
Being a fan of lifelong Star Trek, founded the space company Blue Origin in 2000
bought the Washington Post in 2013
has a reputation as a tenacious leader, concerned about pleasing customers
proceeds from e-commerce giant climbed US $ 857 million in the second quarter, compared with $ 92 million obtained in 2015.
According to Forbes, fortune Bezos is only surpassed by the founder of Microsoft Bill Gates , who has an estimated US $ 78.000 million heritage and Zara founder Amancio Ortega , who adds US $ 73,100 million.
Until his luck changed last year, the company founded by Bezos in Seattle as a Company sale online books, was known for almost not announce their earnings. However, since then it has not stopped growing.
For example, since February this year, shares have risen 50%, thanks to Services and Pr ime , which offer additional benefits to their customers, such as unlimited free shipping for an annual payment.
This service has been a spectacular international growth. Amazon announced in June the expansion of this service in India , which expects to benefit from a vast consumer market.
The company also improved its Prime service with a better video service, an area with which competes with Netflix .
The Day Prime, an event global and exclusive shopping for customers Amazon Prime which took place on July 12 was the day higher sales in the history of the company.
Image copyright Getty Images Image caption Amazon gains have benefited by strong demand for its premium services and cloud services.
Although Amazon does not disclose data about their service , the company investment analysis Consumer Intelligence Research Partners estimates the revenue generated by this service in near of 63 million. Members of Prime spend an average of $ 1 . 200 a year , compared to US $ 500 for nonmembers.
cloud services
proceeds from Amazon for its cloud services also increased so spectacular , at 58.2% to reach US $ 289,000 million, also exceeding analysts’ expectations.
sales in this area increased 10% in North America and 8% in the rest of the world.
Amazon has increased its market share cloud services in connection with rivals like Microsoft and google .
It also has sought to expand its presence in other sectors and launched a food shop selling online in the UK.
Earlier this month, also it announced an agreement with the bank Wells Fargo US. , to offer discounts on student loans to customers Prime your services.
Madrid, July 29 (EFE) .- The Spanish stock market rose today 1.27% and stood near the level of 8,600 points, exalted by the strong rebound in the banking sector, and after that Spanish banks BBVA, CaixaBank and Popular publish their accounts.
in a session that completed the round of presentation of results of banks, the Spanish leading indicator, the IBEX 35, scored 108 points, that 1.27% , to 8587.20 points, the weekly balance returned to positive territory, up 0.15% which reduced the accumulated in the year to 10.03% loss.
in Europe, other large squares accompanied the Spanish upward trend, and Milan rose 1.96%; Frankfurt, 0.61%; Paris and London 0.44%, 0.05%.
At the macroeconomic level, today reported that Spain’s GDP grew between April and June by 0.7%, one tenth less in the previous quarter.
investors considered positive numbers of the three Spanish banks that announced their results, which were among the most bullish values during the day, although all of them registered a lower profit compared to the same period of 2015.
at the opening of the bag, selective regained the 8,500 points after posting a profit that were around 1%, supported by the closure of Tokyo with a 0.56 % higher.
at noon, the momentum of banks led to the IBEX 35 to the gates of the 8,600 units, with a gain of 1.27%.
later, Wall Street opened losses of 0.35% in its main index, the Dow Jones Industrial Average, which led to negative territory in some European markets and slowed increases in the Spanish floors.
the barrel Brent crude, the European benchmark, recorded a further decline, to $ 42.35
in the currency market, the euro appreciated to $ 1,117.; . Like the pound, which made it to $ 1,328
Among the great values of selective, BBVA led gains by advancing 3.71%; followed by Santander, which gained 2.26%; Inditex, 0.96%; Iberdrola, 0.77%; Repsol and Telefonica 0.31%, 0.29%.
Amadeus was the most bullish Ibex company, after posting 451 million won (about 499 million dollars) in the first half, 15.2% more than a year ago; and after her ArcelorMittal rebounded 5.19% by the announcement that nearly 700 million won (about 775 million dollars) in the first half of the year, compared with a loss of 500 million the previous year.
Viscofán company was the biggest loser in the session, 7.98%; followed by Acciona, which made 2.02%.
The Spanish floors were negotiated today about 2,400 million euros (2,659 million dollars). EFE
WASHINGTON US economy grew less than expected in the second quarter as inventories fell for the first time since 2011, but an increase in consumer spending pointed to an underlying strength.
the Gross Domestic Product ( GDP ) in the United States grew at an annual rate of 1.2 percent after rising 0.8 percent in the first quarter, reported Friday the Labor Department.
Previously it had been reported that the economy had grown at a rate of 1.1 percent in the first quarter.
Economists in a poll Reuters projected that GDP would grow at a rate of 2.6 percent in the second quarter.
the poll raised by Bloomberg anticipated a growth of 2.5 percent.
MADRID (Reuters) – The Spanish economy maintained a high growth rate in the second quarter by the pull of domestic demand and exports, although risks, like other European economies to be affected in the coming quarters by the decision of the UK to leave the European Union.
“the relatively sharp recovery of the Spanish economy should slow significantly by the impact of the referendum on United Kingdom, although Spain will remain one of the most dynamic economy in Europe, “said Raj Badiani, senior economist at IHS Global Insight.
the Spanish GDP grew 0.7 percent in the second quarter 2016 compared to the previous quarter, according to provisional data developed Friday by the National Statistics Institute (INE).
in annual terms, the Spanish Gross Domestic Product (GDP) grew by 3.2 percent year on year , compared to 3.4 percent recorded in the previous quarter.
economists polled by Reuters had expected a quarterly rise of 0.7 percent and 3.1 percent of growth [ECONES].
nEW FORECASTS GROWTH iN 2016/17
the caretaker government will present this afternoon the new macro picture, which could include an upward revision of GDP projected for 2016 to 2, 9 percent from 2.7 percent initially expected, according to recent statements by Economy Minister Luis de Guindos.
by 2017, the current macro picture still envisages a growth of 2.4 percent GDP although, according to Spanish media, this estimate could be revised down this afternoon.
according to Badiani, the growth rate of the Spanish economy in 2017 could fall to 1.6 percent .
“Spain has important economic, social and financial relations with Britain, which is likely to increase the impact (of Brexit) and run until 2018,” said economist to emphasize the important role Spain for investments abroad in the UK and for its tourists.
According to the National Statistics Institute (INE), about 25 percent of tourists coming to Spain from the United Kingdom.
“the Spanish tourism industry is worried that British visitors choose not to come to Spain if they suffer a decline in their purchasing power as a result of the weakness of the pound,” Badiani said.
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After the success that is representing the Galaxy S7 , people from Samsung is required to develop a successor to live up to the expectations that have already generated, to continue the good run. For the tranquility of all its fans, it seems that the company is aware and prepared a crushing smartphone screen 4K and ready to support Virtual Reality devices.
According with new rumors, originally reported by the people of Android Authority, the future Samsung Galaxy S8, currently developed under the codename “Project Dream”, he would have adopted this moniker because you will have the ability to fully integrate with Daydream, the platform virtual reality created by Google and close to release this 2016.
to achieve this support, Samsung would implement some major changes next year to develop a version of its Gear VR with USB-C connection, the new standard adopted by Daydream, and of course, create a Galaxy S8 screen 4K to run with full experience of Virtual Reality.
so far the report sounds like a kind of conjecture, but does not look as farfetched if taken into account that some months ago Samsung’s own people was commissioned to officially introduce its first 5.5-inch screen with support for 4K resolutions.
If all this is true, Samsung would setting a new standard for high-end smartphones in 2017.
the question is whether users will be willing to adopt it, and especially pay.
regarding the disappearance of mini jack connector 3.5 mm and the possible elimination of the Home button, both made much would support the idea of Apple create a water resistant device . Although it is unknown whether the redesigned button home will be able to detect the exact pressure, it is very logical that the manufacturer chooses this to take the next step in the next generation. 
