At certain teamses, forecasting accurately is possible, and at to other teamses, forecasting accurately is impossible. It is if there is the teams window you accurately uses teams you forecast, only you speak (grifo and boldface ours). Here is an example from ' Turbulent Mirror': If pan of liquid is heated that to only lower surface become to hotter than to upper surface, heat at first travels from to lower you upper by conduction. The flow in the liquid is to regulate and smooth. This is near-equlibrium situation. However, the heating you continue, the difference in temperature between the two layers grows, far-from-equilibrium state is reached, and gravity begins you pull lives strongly on to upper to layer, which is to cooler and therefore lives dense.

Whorls and eddies to appear throughout the liquid, becoming increasingly turbulent until the system verges on completes to disorder. Critical The bifurcation point is reached when the heat can' t exhausts fast enough without the aid of large-scale convenction currents. At this point the system shifts out of its chaotic state, and the previously disordered whorls transform into the hexagonal lattice of currents, the Bernard cells. Turn up the heat to further and the Bernard cells dissolves into soils. (P.

137) Continuing in its boarding, William F. Eng (4) observes that ' ' the point important to be detached in the paragraph below cited is that a external power plant is applied to the liquid in boiling. The liquid in boiling is not in a system fechado' ' , as it is followed: The important point notices from to you the quoted paragraphs is that an eXternal energy source is applied you the boiling liquid. The boiling liquid is not in closed system; the heat applied you it can be varied, and in this marries, it is increased continuously. The increasing temperature you force the liquid you go through several stages of behavior: from chaotic you ordered and then you chaotic.

The sector, however, does not enjoy good health. Up to August, sales of homes in Spain had chained 17 months of falls, but in September there were 25.985 operations, 0.9% more compared with the same month of 2011. A change of cycle not being, however,: is that in 2013 disappears the deduction for purchase of principal residence. Negotiation or refinancing you can defer mortgage payments to add to the outstanding loan amount or postpone until the end of the operation a percentage of the capital (BBVA has implemented it); also lengthen the payback period without that this generates interests; or grant credits bridge, at a more affordable cost, families in conditions of family insolvency, as proposed by Adicae. The Popular Bank claims that it has renegotiated a reasonable volume of mortgage loans, about 2,800, and other 1,200 in concept of novation in recent years. Dation in payment supposed to deliver housing to pay off the mortgage debt with the Bank when there is a consolidated arrears, but without recovering already amortized.

It is something negotiable, although it is not compulsory nor is provided for in the law; He also had a voluntary code of good practice s approved by the Government a few months ago. Banking is not the work, though entities such as Bankia have revealed that they have accepted the delivery of the House at 4,300 times between 2011 and 2012. The Ombudsman proposed that the dation in payment was accepted, for example, in cases of irresponsible granting of credit. In other legal systems, insists, is released from the debtor of responsibilities delivered once the House, but in Spain not; In addition, the user responds with all its present and future assets if there is still an outstanding debt with the Bank. When you opt for the embargo without admitting the dation in payment, families are still bearing mortgage debt after running out of House.

United Kingdom. The process for evicting a person can be long and fraught with appeals by both parties. The credit institution is obliged to sell the property at the best price, but if the sale does not cover funds they must raise, will happen then the difference of the debt to the to the mortgage. If the person can’t pay what you owe, you can always declare bankruptcy. Ireland. The majority of mortgaged housing evictions occur on a voluntary basis, according to data from the Irish Central Bank (ICB). Day today, the Bank and the mortgage deals with this issue through the so-called process of resolution of mortgage debt (MARP), designed by ICB and on many occasions resulting in the restructuring of the debt or the enactment of the housing to avoid a lengthy legal process of eviction.

Holland. After four months of non-payment of the mortgage, the Bank gets in touch with the person who has signed the credit and if there is perspective that will improve the financial situation of the owner, is usually agree on a transitional measure of payment which is temporarily lowers the income. In extreme cases, the same owner is selling the House or, if not, is the Bank who auction, a method through which the debt is settled. United States. Yes There is the dation in payment, but legislation varies according to the States and there are many exceptions to the rule. In some cases, if the resale or auction of the housing does not cover the accumulated debt is to confiscate other property of the debtor. In addition, the debtor can enter part of a list of defaulters who will almost impossible for years access to any type of credit.