Bloggfrslur mnaarins, aprl 2007

Verlauna- Lsi

Katrn & Co standa sig trlega vel me etta stnduga fyrirtki, Lsi hf, sem er nrri v sjtugt a aldri og stofna af afa hennar og afabrur. au bta heilsu fjlda flks um allan heim me framsknum vrum sem eru framleiddar strstu verksmiju sinnar tegundar heiminum. Hreinlti og htknin verskmijunni er me lkindum. Lysi Reykjavik

Framsni og seigla Katrnar strir essu heimsmlikvara. g ska eim hj Lsi til hamingju me verlaunin og akka fyrir einu vruna sem hefur alltaf fylgt okkur fimm manna fjlskyldu daglega fr riggja mnaa aldri. a gera vst um 52.000 skeiar- dagar nna!


mbl.is Lsi verlauna
Tilkynna um vieigandi tengingu vi frtt

barnir aldrei spurir

Vi Skerfiringar sem myndum essa flugvallarbygg virumst engu mli skipta allri essari umru. Vi viljum flest flugvllinn fram snum sta. Hr er gott a vera og engin sta til a breyta v, enda engin rf a rsta bi bygg og nttru Skerjafjarar me v a fra nuppgeran flugvll til um rj klmetra af v a einhverjum datt hug a eya milljaratugum til einskis.

Uppskrfa larmat Vatnsmrar er um blokkir sem enginn vill. Auvelt er a lengja austur- vestur brautina t sj ef rf er v, en flestar vlar nota skemmri velli dag. Reykjavk hefur rast t fr legu vallarins og viri hverrar fasteignar fluglnu miast vi a.

Lngusker er yndislegur staur miju fallegs fjarar, me fuglalfi, grsleppumium og annarri alvru nttru. g var btnum me Hrafni Gunnlaugssyni forum egar hann sprengdi dnamiti ar. Ekki grunai mig a hann myndi henda llu strri sprengju skerin me essari glnu hugmynd, sem R- listinn tk upp arma sna. Vinsamlegast geri ykkur grein fyrir v a rstun Lnguskerja er t htt. Vi skulum fara anga kajak gum degi, sji i vitleysuna essu.


mbl.is Skrsla um flugvll birt fyrramli
Tilkynna um vieigandi tengingu vi frtt

628 milljarar! Bilun

Erum vi orin bilu? Fallxin er hkku og brnd: framvirk staa slensku krnunnar er jkv um 628 sund milljnir, samkvmt hlf- fimm frttum Kaupings gr. etta er mest skammtmafjrmagn speklanta, ar sem drjgur hluti er gjalddaga r, en vi treystum miskunn eirra, .e. a eir framlengi stugt samningunum. ess vegna lkkar Selabankinn ekki vexti, enda hrynja okkur nokkur hundru sund milljnir daginn sem vextir vera lkkair. Spilaborgin er orin svo myndarleg, a enginn m hsta, hrynur allt. a VERUR samt a lkka strivexti strax. Dav, vi treystum ig fram!

Fr Kaupingi:

Ef marka m njar tlur um framvirka gjaldeyrisstu slenska bankakerfisins fr Selabanka slands er erlend stutaka me krnunni hstu hum um essar mundir. Undir lok mars var staan jkv um 628 ma.kr og vex um 17 ma.kr fr febrar. a sem af er essu ri hefur hn vaxi um tp 40% sem endurspeglar framhaldandi huga erlendra fjrfesta svoklluum vaxtamunarviskiptum.

Eykur httu gengisfalli
a er engum blum um a a fletta a erlent skammtmafjrmagn hefur aldrei veri hrra hr landi. Ljst er a snggar breytingar ar b gtu haft umtalsver hrif gengi krnunnar til skamms tma, a er a segja ef margir reyna a losa stur sama tma. Helstu hvatar a slkri aburarrs gti veri minnkandi vaxtamunur vi tlnd og aukin httuflni fjrmlamrkuum.


http://www.kaupthing.is/?PageId=874&NewsID=11487


Hrikalegt a horfa

Sviin jr orpum Darfur gefur hugmynd um au gnarverk sem framin eru ar enn.

DarfurthorpGoogle etta er einungis eitt af sund ea fleiri. Hgt er a skoa etta nokku hrri upplausn njustu tgfu Google Earth.

Maur veltir fyrir sr hva hgt er a gera. Ng af rndrri olu vellur upp ngrenninu, en eins og annars staar ar sem olan er, eru vandri. Peningar til hjlparstofnana ntast vonandi til beinna gverka, en yfirleitt er brattann a skja me slkt stshrjum svum.


mbl.is Google hjlpar Darfur
Tilkynna um vieigandi tengingu vi frtt

Enn of rltt, segja Bretar

lit breskra aila einkunn Moody's fyrir slensku bankana rj, skv. www.bloomberg.com er enn etta:

Enn rng einkunn, bara ekki eins rng og Aaa var. Mati bnkunum var gagnslaust, en n er hgt a nota a, a a s full- rltt. Gjaldhfisafleiur (e. Credit Default Swaps) sna raunverulegt mat markaarins. Kostnaur vi r eru allt a sj sinnum hrri hj slenskum banka heldur en rum sem hafa haft Aaa flokkun tu r, sem snir httumat markaarins.

essir rr slensku bankar eru nokku htt httukrvunni, en hafa noti skjls af slenska rkinu. eim ber a vera metnir eigin styrk, ekki rkisins.

Grein Bloomberg fylgir hr:

Moody's Cuts ABN, Fortis, 42 Other Bank Ratings After Protests

By John Glover

April 11 (Bloomberg) -- Moody's Investors Service cut the credit ratings of 44 banks, including units of ABN Amro Holding NV, ING Groep NV and Fortis, as it seeks to calm protests over a new system for assessing financial institutions.

The downgrades, announced late yesterday in New York, were made about six weeks after Moody's raised 150 banks it said could count on government support in a financial crisis. The new system provoked a furor when Iceland's three largest banks were given the same rating as the U.S. Treasury and Exxon Mobil Corp.

``It's a step in the right direction,'' said Tom Jenkins, an analyst at Royal Bank of Scotland Group Plc in London, in an interview before the revised ratings were published. ``But it's going to be some time before Moody's credibility in terms of bank ratings is fully restored.''

Icelandic lenders Kaupthing hf, Glitnir Banki hf and Landsbanki Islands hf, had some of the biggest ratings cuts, dropping three levels to Aa3. Three steps was the largest downgrade Moody's said it was considering for the banks it placed under review earlier this month.

OTP Bank Nyrt., a Budapest-based bank that's eastern Europe's largest lender by assets, was also cut, to Aa3 from Aa1. In February, Moody's raised its A1 local bank deposit rating three steps to Aa1, justifying the ranking by saying some governments are willing to pay off bank debt before sovereign obligations to prevent a banking crisis.

Analysts' Opinions

Moody's on March 16 pledged to ``refine'' its so-called joint-default analysis, giving more weight to analysts' opinions.

``A number of bank ratings that were upgraded prior to the refinement were identified as being inconsistent with the refined methodology,'' Moody's said in a statement yesterday.

ABN Amro Bank NV was slashed to Aa2 from Aa1, and ING Bank was cut to Aa1 from Aaa. Fortis Bank was reduced to Aa2 from Aaa.

``Moody's has backtracked to some extent but it doesn't want to lose face completely by putting them all back to where they were,'' said Simon Adamson, an analyst at CreditSights Inc. in London, in an interview yesterday. ``The ratings for the Icelandic banks are still wrong, just not as wrong as with an Aaa.''

Adamson, who on March 4 called the new ratings ``worthless'' and ditched Moody's, said he expected the revised grades to be ``comparable'' with those of Standard & Poor's and Fitch Ratings.

The revised ratings are ``still generous but they don't look as bizarre as they did,'' he said. ``We'll probably be able to use them again.''

Top Ratings

Investors haven't treated the Aaa ratings of the Icelandic banks as being on a par with the top ratings other lenders may have held for years.

The cost of protecting 10 million euros ($13 million) of bonds sold by Kaupthing hf, Iceland's biggest lender, using five- year credit-default swaps is 54,000 euros a year. That compares with 7,500 euros a year to insure the bonds of Rabobank Nederland, which has held an Aaa rating from Moody's for more than a decade. Investors use credit-default swaps to bet on a company's ability to repay debt.

The following is a list of the banks whose ratings Moody's changed:

Ratings lowered by one level:
AB Volvofinans: to A3 from A2 (pre-JDA rating A3)
ABN AMRO Bank N.V.: to Aa2 from Aa1 (pre-JDA rating Aa3)
Bank Handlowy w Warszawie S.A.: to Aa3 from Aa2 (no pre-JDA local
 currency rating)
Budapest Bank Rt.: to A1 from Aa3 (no pre-JDA rating)
Canadian Imperial Bank of Commerce: to Aa2 from Aa1 (pre-JDA
 rating Aa3)*
Danske Bank AS: to Aa1 from Aaa (pre-JDA rating Aa1)
Dexia Bank Belgium: to Aa1 from Aaa (pre-JDA rating Aa2)
Dexia Banque Internationale a Luxembourg: to Aa1 from Aaa (pre-
 JDA rating Aa2)**
Dexia Credit Local: to Aa1 from Aaa (pre-JDA rating Aa2)**
DNB NOR Bank ASA: to Aa1 from Aaa (pre-JDA rating Aa3)
FIH Erhvervsbank AS: to A1 from Aa3 (pre-JDA rating A1)**
Fokus Bank ASA: to Aa2 from Aa1 (pre-JDA rating Aa2)
ING Bank N.V.: to Aa1 from Aaa (pre-JDA rating Aa2)**
ING Bank Slaski S.A.: to A1 from Aa3 (no pre-JDA local currency
 rating)
Jyske Bank AS: to Aa2 from Aa1 (pre-JDA rating A1)
National Bank of Canada: to Aa2 from Aa1 (pre-JDA rating A1)*
Nordea Bank AB: to Aa1 from Aaa (pre-JDA rating Aa3)**
Nordea Bank Danmark AS: to Aa1 from Aaa (pre-JDA rating Aa3)**
Nordea Bank Finland Plc: to Aa1 from Aaa (pre-JDA rating Aa3)
Nordea Bank Norge ASA: to Aa1 from Aaa (pre-JDA rating Aa3)
OKO Bank Plc: to Aa1 from Aaa (pre-JDA rating Aa2)
OTP Banka Slovensko AS. (OBS): to A2 from A1 (no pre-JDA local
 currency rating)
Sampo Bank Plc: to Aa1 from Aaa (pre-JDA rating Aa2)
SEB AB: to Aa2 from Aa1 (pre-JDA rating Aa3)
Sparebanken Midt-Norge: to Aa3 from Aa2 (pre-JDA rating A3)
Sparebanken Nord-Norge: to Aa3 from Aa2 (pre-JDA rating A3)
Sparebanken Rogaland: to Aa3 from Aa2 (pre-JDA rating A2)
Storebrand Bank: to A2 from A1 (pre-JDA rating Baa2)**
Sydbank A/S: to Aa3 from Aa2 (pre-JDA rating A2)**
Ratings lowered by two levels:
Aktia Savings Bank Plc: to A1 from Aa2 (pre-JDA rating A3)
Ceskoslovenska Obchodni Banka, AS: to Aa2 from Aaa (no pre-JDA
 local currency rating)
Fortis Bank Nederland (Holding) N.V.: to Aa2 from Aaa (pre-JDA
 rating Aa3)
Fortis Bank S.A./N.V.: to Aa2 from Aaa (pre-JDA rating Aa3)
Fortis Banque Luxembourg S.A.: to Aa2 from Aaa (pre-JDA rating
 Aa3)
KBC Bank N.V.: to Aa2 from Aaa (pre-JDA rating Aa3)
Kereskedelmi & Hitel Bank Rt.: to Aa3 from Aa1 (no pre-JDA local
 currency rating)
OTP Bank: to Aa3 from Aa1 (pre-JDA rating A1)
OTP Jelzalogbank Rt (OTP Mtge Bk): to Aa3 from Aa1 (no pre-JDA
 local currency rating)
Powszechna Kasa Oszczednosci Bank Polski S.A.: to Aa2 from Aaa
 (no pre-JDA local currency rating)
Sparebanken Oest: to A1 from Aa2 (pre-JDA rating A3)
Sparebanken Vest: to A1 from Aa2 (pre-JDA rating A3)
Ratings lowered by three levels:
Glitnir banki hf: to Aa3 from Aaa (pre-JDA rating A1)
Kaupthing Bank hf: to Aa3 from Aaa (pre-JDA rating A1)
Landsbanki Islands hf: to Aa3 from Aaa (pre-JDA rating A2)
The following banks' long-term debt and deposit ratings were
confirmed:
ING Belgium SA/NV: senior debt and deposits confirmed at Aa1(pre-
 JDA rating Aa2); junior securities upgraded
Parex Bank: senior debt and deposit ratings confirmed at Baa3
 (pre-JDA rating Ba1)
*senior debt and deposits were downgraded; junior securities
upgraded
**senior debt and deposits were downgraded; selected junior
securities confirmed

To contact the reporter on this story: John Glover in London at johnglover@bloomberg.net

Last Updated: April 10, 2007 19:04 EDT


mbl.is Moody's lkkar lnshfiseinkunn slensku bankanna
Tilkynna um vieigandi tengingu vi frtt

Vijar vanans

Vi gerum a sem vi erum vn a gera. Heilinn virkar annig, hann kemur sr upp vana a starfa kveinn htt og ar me sitjum vi uppi me a. er mikilvgt a koma sr strax upp gum vana egar byrja er einhverju nju. Erfitt er a breyta t af eirri reglu sem flk ks sr. Af v leiir a s httur sem er hlutunum dag er langlklegasti mti eirra framvegis.VidjarVanans Trlega segja flest vi sig sjlf a a s ekki annig fari me au, heldur flesta ara, en manneskjan er sjlfri sr lkust. Jafnvel au okkar sem gera hlutina sem fjlbreytilegastan htt eru reglumanneskjur egar betur er a g.

Erfitt a breyta til?

En hverjir eru svo essir vanar sem vi festumst ? Nr vri a spyrja hvar vi hfum ekki komi okkur upp einhverri venju. Daglegt lf er alsett litlum httum sem enda jafnvel v a einkenna mann. sta ess a greina fr olandi httum makans smatrium, vri kannski r a sundurgreina eigin venjur me a huga a breyta kannski einum ea tveimur eirra dag, annig a breytingin veri varanleg. eim sem tekst etta eru afar venjulegt flk. au enda lkast til v a segja vi sig sjlf a a s engin nausyn essari breytingu, a tilraunin hafi veri rf og v s best a sna a fyrri lei, enda hafi hn reynst vel. Sannau til!

Endurtekningar

a tti a vera arfi a tna til mmrg dmi essu til stunings. Hver einasta ager manneskjunnar er yfirleitt regluleg endurtekning fyrri agera, tt a geti veri smbreytilegum myndum. Verulega reynir egar vi tkumst vi eitthva ntt, srstaklega me aldrinum, en vi ttum ekki a leyfa v a fara annig. eim sem ber gfa til ess a takast stugt vi nja tti lfsins lifa mun fyllra lfi en vi hin, sem festast vijum vanans ar til andlegt hreyfingarleysi er nr algert.

Afsakanir

a er nkvmlega engin rttmt sta til ess a essi fstudagur veri endilega a vera keimlkur fstudeginum sustu viku ea einhverri annarri viku, en ein helsta sta ess a a gerist samt er s, a reglan um kvein vikudag lmdist heila okkar. Af hverju hringiru ekki Jn frnda ea Siggu vinkonu, ea lest bkina sem aldrei var lesin, ea bjargar heiminum? Af v a: Afskun #1, afskun #2, afskun #3.

Haloft heilans

Margsanna er a manneskjan hefur endanlega algunarhfni egar reynir, enda hfum vi komist af sem tegund vegna hennar. En vi minni reynslu slaknar essari hfni, lkt og llum eim ttum sem ltt reynir . Heilinn er a sem notar hann til. S sem spilar ekki hljfri rtt fyrir mefdda hfileika, heldur frir stugt bkhald, verur auvita hf bkhaldi en ekki flutningi tnlistar. Eiginleikarnir vera ekki svo glatt geymdir rum saman, heldur gleymdir, mean arir ttir roskast. Ef gengi er reglulega um haloft heilans og kassar opnair sem vi vitum a eru ar, en ekki alveg hva er geymt eim, lifna vi essar taugafrumutengingar sem gera okkur a alvru hugsandi manneskjum. etta gerist gjarnan gegn um samskipti flks og tti a vera ntt betur sta samskiptalausrar einstefnu innmtunar, t.d. sjnvarpi.

Tilraun nna!

Geru tilraun me sjlfa(n) ig: breyttu einhverjum tti eina viku og sju hvort haldir a t. Ekki byrja morgun, heldur dag. Vertu svo velkomin(n) hp ess orra manna sem gera hlutina alltaf eins, v a heldur etta ekki t!


Augljst hvert Moody's stefnir

Endurmat Moody's lnshfiseinkunn riggja slenskra banka, sem verur kynnt dag, sr sta ar sem hrifamiklir ailar markanum telja mati galla. www.Bloomberg.com vefurinn lsir essu gtri grein dag, ar sem ja er a frnleika ess a slensku bankarnir rr fi smu gjaldhfiseinkunn og fjrhirsla Bandarkjanna (e: US Treasury) ea Exxon Mobil Corp:

"April 3 (Bloomberg) -- Moody's Investors Service plans to cut the credit ratings on 40 to 50 banks in Europe and North America after Merrill Lynch & Co. and JPMorgan Chase & Co. said the new rankings are flawed.

Moody's will identify the banks today, according to Christopher Mahoney, a senior managing director at the ratings company in New York. Moody's raised the rankings of 150 banks in countries that are likely to support financial institutions in a crisis. The system awarded three banks in Iceland the same ratings as the U.S. Treasury and Exxon Mobil Corp."

Moody's hafi augljslega gert r fyrir v ur a slenska rki hlaupi undir bagga me bnkum sem skjta sig ftinn og mynda ekki ngilega varasji til ess a mta umfljanlegum fllum sem vera eim httuhluta bankamarkaarins sem essir slensku bankar eru . a er t htt fyrir slenska rki a byrgjast bankana, enda stra eir sig af aljavingu sinni og hve ltill hluti sland er af heildarviskiptum eirra. slenskir neytendur hafa ekki fengi a njta ess a byrgjast essa banka beinan htt skjli slenska rkisins og v ber a fjarlgja essa huglgu tengingu. Vi eigum ekki a koma skkvandi banka til bjargar ea lta eins og a veri gert. Frekar a bja samkeppnishfum bnkum hinga til lands.

Allt byrjar sem hugmynd

Einhvers staar dettur einhverjum eitthva hug og svo nokkrum rum sar er strar virkjun og lver risi, sem tk til starfa Reyarfiri gr. a tk or, afl, raustseigju og tr niurstuna til a etta mtti vera. Framkvmdin er dmi um styrk hugans, sem kemur bndum efni. tkoman er feikna framkvmd sem skapar hagsld fyrir okkur ll.

rtlur

hinn bginn eru niurrifsflin a verki, rtluflk sem tekst a draga slka dulu fyrir augu Hafnfiringa a eir kjsa okkur llum lei fram af bjrgum, anna hvort nafni umhverfisverndar, sem er misnotaasti blekkingarttur stjrnmla nna, ea nafni barttunnar gegn verblgu, ar sem ekki m framkvma vegna httunnar ofvexti. essi hrsla vi velgengni er eins og a htta vi framkvmd fyrirtki af v a vst yri hva gera tti vi hagnainn. a er me lkindum a Dav sjlfur, framkvmdamaur slands nmer eitt, skuli hafa hent ngilegu spreki bli me yfirlsingu Selabankans, til ess a stkkun lversins furai upp. Fyrir viki verum vi af eim vexti.

Eitthva til ess a vinna r

Amma mn fyrir noran fkk ga hugmynd a framt sinni forum, bast afa mnumog nna eru rmlega 200 afkomendur eirra a njta lfsins. a var eins gott a rtlumenn nu ekki a stva hana vi eitthvert barni rtt fyrir mlt erfii, v a vru ekki til au sem eftir komu, en au uru tlf alls. Eins var gott fyrir mig og mna a mamma hafi haldi fram tt hn hafi eignast sj brn ellefu rum og tt mig, ttunda barni egar a elsta var tlf ra. Ef hn hefi hlusta varnaarorin, hvort a vri n ekki komi ng me sj brn, vrum vi sex manneskjur ekki til. Umran um a ng s komi af hinu ga sr yfirleitt ekki grundvll. a er auveldara a vinna r slkum jkvum vandamlum heldur en a hafa ekkert til ess a vinna r.


Höfundur

Ívar Pálsson
Ívar Pálsson

Viðskiptafræðingur með útflutningsfyrirtæki, en grúskar í flestu.

Innskrning

Ath. Vinsamlegast kveiki Javascript til a hefja innskrningu.

Hafu samband