Skrevet av Emne: Den økonomiske hverdagen, blir det bedre?  (Lest 109444 ganger)

0 medlemmer og 1 gjest leser dette emnet.

Promotion 2010

Sv: Den økonomiske hverdagen, blir det bedre?
« Svar #60 på: Juni 28, 2014, 18:54:52 »
Spillerne har med matpakke på pre-season:

http://www.mirror.co.uk/sport/football/news/leeds-united-players-bringing-packed-3778269?

Og det er jo greit. DET GJØR JEG OGSÃ… PÃ… JOBBEN!  :D
Min første Leeds-kamp:
Strømsgodset vs Leeds, 19.september 1973

p0ndus

  • Gjest
Sv: Den økonomiske hverdagen, blir det bedre?
« Svar #61 på: Juni 28, 2014, 21:41:45 »
Spillerne har med matpakke på pre-season:

http://www.mirror.co.uk/sport/football/news/leeds-united-players-bringing-packed-3778269?

Og det er jo greit. DET GJØR JEG OGSÃ… PÃ… JOBBEN!  :D

Tråden skulle heller vært "Kan den økonomiske situasjonen bli verre".

Xern

Sv: Den økonomiske hverdagen, blir det bedre?
« Svar #62 på: Juni 28, 2014, 21:55:37 »
Vi har jo milliarder av mais!  ;) :D
Noen mennesker tror at fotball gjelder liv eller død. Jeg liker ikke den innstillingen. Det er atskillig mer alvorlig enn som så. - Bill Shankly


Xern

Sv: Den økonomiske hverdagen, blir det bedre?
« Svar #64 på: Juni 29, 2014, 12:43:28 »
Noen som har en begrunnelse på hvorfor vi fortsatt er blokkert fra markedet? Når kontoen er åpnet igjen?
Noen mennesker tror at fotball gjelder liv eller død. Jeg liker ikke den innstillingen. Det er atskillig mer alvorlig enn som så. - Bill Shankly

Promotion 2010

Sv: Den økonomiske hverdagen, blir det bedre?
« Svar #65 på: Juni 29, 2014, 12:46:59 »
Noen som har en begrunnelse på hvorfor vi fortsatt er blokkert fra markedet? Når kontoen er åpnet igjen?

FA skal behandle saken!       Need I say more!   >:(
Min første Leeds-kamp:
Strømsgodset vs Leeds, 19.september 1973

p0ndus

  • Gjest
Sv: Den økonomiske hverdagen, blir det bedre?
« Svar #66 på: Juni 29, 2014, 12:48:17 »
Ante ikke noe om at vi var blokkert fra og kjøpe nye spillere.
Hvor lenge har blokkaden vart, 10 år??? ;) ;) ;)

baste

Sv: Den økonomiske hverdagen, blir det bedre?
« Svar #67 på: Juni 29, 2014, 22:29:13 »
1 Juli åpner transfer førr oss i LEEDS

Promotion 2010

Sv: Den økonomiske hverdagen, blir det bedre?
« Svar #68 på: Juli 12, 2014, 16:47:02 »
Cellino sier ar klubben nå er gjeldfri og har en arbeidskapital på 20 til 30 millioner PUND.


Phil Hay utdyper:
Bit of info about the Cellino/GFH debt deal. Due to be agreed in the next week, exact details not clear but...

1:03am - 12 Jul 14


...deal will wipe out a big chunk of £24m debt owed to GFH. Deal will also change circumstances under which remaining money needs to be paid

1:06am - 12 Jul 14


Essentially, it doesn't mean all the debt has gone. But it's a great deal for Leeds/Cellino. #

1:07am - 12 Jul 14
« Siste redigering: Juli 12, 2014, 16:48:50 av Promotion 2010 »
Min første Leeds-kamp:
Strømsgodset vs Leeds, 19.september 1973

Promotion 2010

Sv: Den økonomiske hverdagen, blir det bedre?
« Svar #69 på: August 18, 2014, 14:01:03 »
10 spillere inn!!!

Enda fler i kø for å komme inn!

Har vi vunnet i Lotto?  8)



Virker ikke som om vi blir økonomisk dopet, men den kloke businessmannen Cellino har både kjøpt og lånt til en lav pris. Holder vi oss innenfor økonomisk fair-play slik at vi kan investere i enda bedre spillere i januar og neste sommer?

Klubbene i Championship kan gå på et maksimum-underskudd på £ 8 millioner pr år når eier investerer i klubben.

http://www.financialfairplay.co.uk/financial-fair-play-explained.php

Her er regelverket og snubletrådene tatt fra Wikipedia. Det er bl.a. ikke lenger lovlig med en "Sugar-Daddy" eller litt "dodgey" sponsoravtaler der klubbens eier er ivolvert i firmaet som sponser...i for stor grad (jfr ManCity):

http://en.wikipedia.org/wiki/UEFA_Financial_Fair_Play_Regulations

 :)
Min første Leeds-kamp:
Strømsgodset vs Leeds, 19.september 1973

Promotion 2010

Sv: Den økonomiske hverdagen, blir det bedre?
« Svar #70 på: September 06, 2014, 14:02:25 »
Her ser vi hvordan økonomien i Championship-klubben må være for være innen rammen for Financial Fair Play:

Cellino’s motivation at the end of last season was self-explanatory. With certain exceptions, he didn’t rate the squad he inherited from Gulf Finance House. He wanted changes from front to back and initially promised seven or eight signings. The first five came in and Cellino predicted six more at least. Eight players were signed after the defeat to Millwall on August 9 and three arrived in the last two days of the window.

Leeds were once known as a club who made hard work of dragging deals over the line. Last week, Cellino looked more like an owner who couldn’t drag himself away from the market. But in truth he was an owner with a sharp eye on the implications of Financial Fair Play. This season is the first in which the Football League’s rules on FFP will result in actual punishment and Cellino is convinced that the debts and losses amassed while GFH controlled Leeds will result in a transfer embargo at Elland Road in January.

In April, when the Italian bought a 75 per cent stake in United, the club were estimated to be losing more than £1m a month. The share purchase agreement between Cellino and GFH recorded long-term debt at £13.5m and short-term debt at £10.5m (much of which has since been wiped out by a fresh deal between them). Monthly seven-figure deficits go far beyond the limit set by the Football League for annual losses at Championship clubs. They also go beyond the sum that Cellino is allowed to cover with his own money. The cash from Ross McCormack’s sale to Fulham fell outside the accounting period.

In the 2013-14 season, clubs were permitted to lose a maximum of £8m. Of that £8m, no more than £5m was allowed to come from owners or shareholders. Certain costs such as the repurchase of a stadium or training ground or investment in community schemes are exempt from the calculations but none of that will help to bring Leeds below the threshold. Nor are they likely to be the only Championship side who breach the rules.

The Football League expects all 24 clubs to file their accounts for the 2013-14 season by December 1. A decision on which of them are to be punished will be made later that month. “Clubs that fail to comply will be subject to a transfer embargo,” the governing body states. “This embargo will come in to force ahead of the subsequent transfer window beginning on January 1, 2015.”

It goes some way to explaining why teenager Dario Del Fabro appeared from nowhere to become centre-back number six at Leeds on Sunday. It also explains why Pavoletti, another striker, was the club’s sole target on deadline day. If any of this looks like stockpiling then it paints the picture of a window in which United bought today and prepared for tomorrow. The numbers are needed.
Min første Leeds-kamp:
Strømsgodset vs Leeds, 19.september 1973

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Sv: Den økonomiske hverdagen, blir det bedre?
« Svar #71 på: September 06, 2014, 19:39:59 »
Tell me - I've got to know
Tell me - Tell me before I go
Does that flame still burn, does that fire still glow
Or has it died out and melted like the snow
Tell me  Tell me

Dylan

Promotion 2010

Min første Leeds-kamp:
Strømsgodset vs Leeds, 19.september 1973

sportcarl1

Sv: Den økonomiske hverdagen, blir det bedre?
« Svar #73 på: November 14, 2014, 09:33:34 »
Enige, i hvert fall i retten med Levi:

http://www.leedsunited.com/news/article/17z3nz29u2idc1huuxa1ebfy71/title/club-statement-winding-up-petition

 :)
herregud stackars Cellino, tänk vad mycket skit han måste ta tag i från  gfh och bates dagar som ständigt poppar upp, det här namnde inte Giles som påstod att Cellino förstör vår klubb, den var redan förstörd när han tog över och jag är tämligen säker på att vi gått raka vägen mot konkurs om GFH fått fortsätta vid rodret
 

lojosang

Sv: Sv: Sv: Den økonomiske hverdagen, blir det bedre?
« Svar #74 på: November 14, 2014, 10:29:47 »
Enige, i hvert fall i retten med Levi:

http://www.leedsunited.com/news/article/17z3nz29u2idc1huuxa1ebfy71/title/club-statement-winding-up-petition

 :)
herregud stackars Cellino, tänk vad mycket skit han måste ta tag i från  gfh och bates dagar som ständigt poppar upp, det här namnde inte Giles som påstod att Cellino förstör vår klubb, den var redan förstörd när han tog över och jag är tämligen säker på att vi gått raka vägen mot konkurs om GFH fått fortsätta vid rodret
De var i ferd med å selge til andre da vår kjære hvitsnipp kom inn i bildet, så det der er en helt uaktuell problemstilling.
- Leif Olav

Sydhagen

Sv: Den økonomiske hverdagen, blir det bedre?
« Svar #75 på: November 14, 2014, 10:30:07 »

Enige, i hvert fall i retten med Levi:

http://www.leedsunited.com/news/article/17z3nz29u2idc1huuxa1ebfy71/title/club-statement-winding-up-petition

 :)
herregud stackars Cellino, tänk vad mycket skit han måste ta tag i från  gfh och bates dagar som ständigt poppar upp, det här namnde inte Giles som påstod att Cellino förstör vår klubb, den var redan förstörd när han tog över och jag är tämligen säker på att vi gått raka vägen mot konkurs om GFH fått fortsätta vid rodret
Enig. MC er en skrulling, men en skrulling som vil det beste for klubben og fansen. Jeg godtar en og annen feil fra MC så lenge han har den innstillingen.

MOT!
"Paynter, a striker whose danger factor is akin to a blind sniper, who has no fingers, or a gun."

Andrea Radrizzani :
"I'm not here to make money, I'm here to make history".

Promotion 2010

Sv: Den økonomiske hverdagen, blir det bedre?
« Svar #76 på: Desember 07, 2014, 12:14:24 »
Leeds are set to face a transfer ban or fines for overspending after posting losses of £22.9m. (Source: Daily Mail). http://t.co/zasu8XGZk1

Min første Leeds-kamp:
Strømsgodset vs Leeds, 19.september 1973

Promotion 2010

Sv: Den økonomiske hverdagen, blir det bedre?
« Svar #77 på: Desember 07, 2014, 22:12:13 »
Fiscal chaos at Leeds United FC

Submitted by WG on Sun, 07/12/2014 - 06:16
The accounts of Leeds United FC are in chaos according to this report.   Income last year was down from £28.6m to £25.3m with reductions in all aspects of income including match day and commercial.

As a result there was a £20.4m loss which becomes £22.8m post tax.   This means that the club is very likely to incur a transfer ban under the Football League's financial fair play rules.

However, this may be the least of their worries.   Â£20.9m is owed to former owners Gulf Finance House (GFH) and £12.2m to new owner Massimo Cellino.

It is possible that GFH may take over temporarily if Cellnio's appeal against a Football League ban fails. There has also been speculation that casino firm Gentings may be interested in acquiring the club.
Min første Leeds-kamp:
Strømsgodset vs Leeds, 19.september 1973

Ove

Sv: Den økonomiske hverdagen, blir det bedre?
« Svar #78 på: Desember 08, 2014, 17:47:47 »
Mulig ny draktsponsor fra og med neste sesong ?
Leeds United are set for a ‘record-breaking’ sponsorship deal with online gaming company Fruity King, according to WinnerSports.

http://footballleagueworld.co.uk/leeds-united-set-for-significant-investment/
« Siste redigering: Desember 08, 2014, 17:49:30 av Ove »
 

Erik M

Sv: Den økonomiske hverdagen, blir det bedre?
« Svar #79 på: Desember 09, 2014, 14:39:42 »
Fiscal chaos at Leeds United FC

Submitted by WG on Sun, 07/12/2014 - 06:16
The accounts of Leeds United FC are in chaos according to this report.   Income last year was down from £28.6m to £25.3m with reductions in all aspects of income including match day and commercial.

As a result there was a £20.4m loss which becomes £22.8m post tax.   This means that the club is very likely to incur a transfer ban under the Football League's financial fair play rules.

However, this may be the least of their worries.   Â£20.9m is owed to former owners Gulf Finance House (GFH) and £12.2m to new owner Massimo Cellino.

It is possible that GFH may take over temporarily if Cellnio's appeal against a Football League ban fails. There has also been speculation that casino firm Gentings may be interested in acquiring the club.

Er det virkelig sånn at Cellino kan gjøre en avtale med GFH om midlertidig overtagelse??  Hva iall verden er da poenget med diskvalifiseringen?  Det må jo være en mening...

Er casinoet også kun inne for en midlertidig overtagelse?
 

Cherry

Sv: Den økonomiske hverdagen, blir det bedre?
« Svar #80 på: Desember 09, 2014, 19:13:37 »
Dette høres mer og mer ut som russisk rullet, så kom gjerne med ny fantastisk deal fra ett spillefirma eller Casino- det er midt på Spiker'n :-X ;)
 

Hallgeir *

Sv: Den økonomiske hverdagen, blir det bedre?
« Svar #81 på: Desember 09, 2014, 19:39:07 »
Dyster lesning i YEP...

HEAVY LOSSES

by Phil Hay

The picture painted by Leeds United’s latest financial figures and the impression it gives of Gulf Finance House is not at all unexpected: heavy losses, falling income and rising shareholder debt.


Leeds were sliding in that direction when they published their accounts for the 2012-13 year and preliminary results for the following 12 months show another downturn in the club’s financial position.

United lost £9.5m in 2012-13 and saw their turnover fall to £28.5m.

According to documents seen by the YEP, Leeds expect to record losses of just under £23m for the 2013-14 year after their revenue dropped to £25.3m and their wage bill climbed to more than £22m.

The figures shown to the YEP are draft accounts and have yet to be signed off by either to auditors or United’s owner, Massimo Cellino, but a version was sent to the Football League last week in line with Financial Fair Play requirements. They confirm that Leeds are in breach of FFP rules limiting clubs in the Championship to a maximum annual loss of £8m. A breach carries the punishment of a transfer embargo in the January window and Cellino has been anticipating that penalty for several months.

The 58-year-old Italian, who bought Leeds in April and is currently fighting an attempt by the Football League to disqualify him as owner of the club, was majority shareholder at Elland Road for fewer than three of the 12 months covered by the 2013-14 accounts.

GFH Capital, the Dubai-based arm of GFH, ran United for most of that period, though according to the draft accounts, a restructuring of its stake in the club left Leeds without a majority shareholder during the second half of 2013.

In the year to June 30, 2014, United’s income dropped across the board. Their gate receipts fell by more than £1m to £8.5m and cash generated by broadcasting fees and the sale of merchandise also decreased. Their remaining commercial revenue amounted to £6.6m, down from more than £8m in the previous 12 months.

The club’s operating loss climbed to £17.89m, an increase of around £5m, and the wage bill equated to 89 per cent of turnover. Reducing the cost of wages was one of Cellino’s priorities when he inherited what he called “a big mess” from GFH. Last week Cellino claimed that he and the Bahraini bank had agreed to restructure United’s debt and inject capital of £23.5m into the club, a deal which was due to be ratified at a board meeting at Elland Road today. That figure is fractionally higher than Leeds’ annual loss.

Other parts of the accounts show where portions of the money went. The results confirm that a loan of £1.5m given to the club by shirt sponsor Enterprise Insurance in 2012 was paid back in February of this year. Cellino was acting as de facto owner of United at that time, funding the club prior to the completion of his 75 per cent buy-out.

The lease of Leeds’ Elland Road stadium and Thorp Arch training ground cost £1.94m a year as of June 30 and increased again last month. The combined rent will clear £2m for the first time next year. Cellino failed to meet a promise to buy back Elland Road for £16m before the start of December but the expensive lease explains why Leeds are continuously anxious to free themselves of that burden.

More intriguing than those matters are the biggest liabilities laid out in the draft accounts and the money owed to the club’s shareholders, including both GFH and Cellino.

The accounts state that during 2013-14, Eleonora Sport Limited - the UK firm used by Cellino to purchase Leeds - loaned £8.42m to the club. Cellino himself made a personal loan of close to £1.3m and a company in Milan with connections to his family, Eleonora Immobiliaire, lent United a further £2.5m.

Leeds have not commented on the figures but sources close to Cellino say the money does not represent any of the £11m fee which he agreed to pay GFH for a stake in Leeds. They deny that his buy-out was in any way financed using debt incurred by the club. According to those close to him, the loans were used to pay debt and bills before and after his takeover on April 7. They claim the loans do not bear interest and could be converted into shares at a later date.

The accounts name United’s ultimate owner as Trust Sporting 2006, a Cellino family trust which is based in Italy and sits above Eleonora Sport in the ownership structure of Leeds. Under GFH United’s ultimate owner was LUFC Holding Limited, an off-shore company set up in the Cayman Islands. Shortly after buying Leeds, Cellino admitted that he planned to create a structure of companies based solely in the Italy and the UK.

United’s draft accounts say Trust Sporting 2006 holds an “88.3 per cent interest in Leeds United Football Club Limited” - significantly more than the 75 per cent which Eleonora Sport bought from GFH in April. Sources close to Cellino insist the split between Eleonora Sport and the bank is still 75-25, describing the accounts as a “snapshot” at a time of restructuring. United staged a rights issue on June 27, three days before the end of the last financial year.

GFH Capital, meanwhile, is owed a staggering sum of £20.91m by Leeds. Much of that debt was assigned to the company from other creditors, including Brendale Holdings and Berrydale Seventh Sport Holdings. Those firms - both of which belong to GFH Capital - were owed £11.27m and £2m respectively. In the 2013-14 financial year, the interest earned on those loans came to more than £1.5m.

GFH Capital was also assigned £1.7m owed to Envest Limited, a company controlled by former Leeds chairman Salah Nooruddin and a minority shareholder at Elland Road.

GFH was asked by the YEP to explain how the debt owed to it had reached such a high level and what the money borrowed by Leeds had been spent on. It was also asked to clarify whether the figure of £20.91m was included in, or in addition to, the £24m of short and long-term debt which Cellino agreed to service when he bought United eight months ago. The bank did not respond.

Over the weekend, however, a GFH spokesperson told the Mail on Sunday: “As a result of the poor financial situation which they inherited at the club, GFH extended funding of around £20m of cash between July 2012 to November 2013 to keep the club solvent, acquire new players, give new contracts to existing players, pay down existing debt and meet other day-to-day liabilities as they fell due when the club’s revenues were insufficient to do this.”

A further sum of £3.4m claimed by GFH for “invoices” is in dispute, the accounts say.



UNITED’S FORTHCOMING 2013-14 ACCOUNTS - THE KEY FIGURES

Turnover: £25.29m (down from £28.56m in 2012-13)

Loss before tax: £20.35m (up from £9.44m)

Loss after tax: £22.93m (up from £9.55m)

Operating loss: £17.89m (up from £12.11m)

Gate receipts: £8.56m (down from £9.72m)

Commercial revenue: £6.68m (down from £8.08m)

Loans owed to Gulf Finance House: £20.91m

Loans owed to Massimo Cellino and connected companies: £12.24m

Invoices claimed by GFH but disputed by Leeds: £3.4m
Super Leeds since 1968

Jon R

Sv: Den økonomiske hverdagen, blir det bedre?
« Svar #82 på: Desember 09, 2014, 20:22:40 »
Det var omtrent på denne tiden i fjor skjellettene begynte å falle ut av GHF skapet. Skal det samme skje under Cellino?
* dejavu*  :(
Jon R.

GeirO

Sv: Den økonomiske hverdagen, blir det bedre?
« Svar #83 på: Desember 09, 2014, 22:34:48 »
Er ikke dette tap før Cellino kom inn i bildet? Uten Cellino hadde vi vært konkurs.
Genialt av Cellino å kjøpe 15 spillere i sommer, han visste nok at det ble en transfer ban nå...
MOT

lojosang

Sv: Den økonomiske hverdagen, blir det bedre?
« Svar #84 på: Desember 10, 2014, 01:32:08 »
Himmel og hav! Kom tilbake, Kenny!
- Leif Olav

Sydhagen

Sv: Den økonomiske hverdagen, blir det bedre?
« Svar #85 på: Desember 10, 2014, 08:50:10 »
Det har nok skjedd mye siden de tallene der.
Nå kommer også et innskudd på 20 mill pund.
"Paynter, a striker whose danger factor is akin to a blind sniper, who has no fingers, or a gun."

Andrea Radrizzani :
"I'm not here to make money, I'm here to make history".

Jon R

Sv: Den økonomiske hverdagen, blir det bedre?
« Svar #86 på: Desember 10, 2014, 09:43:10 »
Dersom ikke balansen mellom inntjening og utgifter  bedres radikalt vil 20 mill £ forsvinne i det store sluket i løpet noen måneder, ref. hva som skjedde under GHF.

Har Cellino virkelig klart å kutte i utgiftene så det monner? Jeg er ikke så sikker på det med tanke på den store A-lags stallen vi har..

De løpende utgiftene på leie av ER og TA fortsetter også som før, stikk i strid med hva Cellino hadde planlagt....

Føler meg ikke trygg i det hele tatt!  :-\
Jon R.

ollan

Sv: Den økonomiske hverdagen, blir det bedre?
« Svar #87 på: Desember 10, 2014, 10:14:17 »
Dersom ikke balansen mellom inntjening og utgifter  bedres radikalt vil 20 mill £ forsvinne i det store sluket i løpet noen måneder, ref. hva som skjedde under GHF.

Har Cellino virkelig klart å kutte i utgiftene så det monner? Jeg er ikke så sikker på det med tanke på den store A-lags stallen vi har..

De løpende utgiftene på leie av ER og TA fortsetter også som før, stikk i strid med hva Cellino hadde planlagt....

Føler meg ikke trygg i det hele tatt!  :-\
langt i fra trygg Jon,sitter med den samme følelsen....vi pisser i buksen for å holde varmen.
Blir spennende(skremmende) å se når våren kommer, hvem vil MC skylde på når økonomien atter en gang ligger i ruiner??
Ollan

h.b

  • Gjest
Sv: Den økonomiske hverdagen, blir det bedre?
« Svar #88 på: Desember 10, 2014, 10:43:21 »
Dersom ikke balansen mellom inntjening og utgifter  bedres radikalt vil 20 mill £ forsvinne i det store sluket i løpet noen måneder, ref. hva som skjedde under GHF.

Har Cellino virkelig klart å kutte i utgiftene så det monner? Jeg er ikke så sikker på det med tanke på den store A-lags stallen vi har..

De løpende utgiftene på leie av ER og TA fortsetter også som før, stikk i strid med hva Cellino hadde planlagt....

Føler meg ikke trygg i det hele tatt!  :-\
langt i fra trygg Jon,sitter med den samme følelsen....vi pisser i buksen for å holde varmen.
Blir spennende(skremmende) å se når våren kommer, hvem vil MC skylde på når økonomien atter en gang ligger i ruiner??

Leeds trekker atskillelig mer enn andre lag i divisjonen. Dette genererer større inntekter. Og er ikke så sikker på at Leeds har så store lønnsutgifter i forhold til andre klubber heller. Så hvor er katta begravet. Vil det hjelpe å kjøpe tilbake Elland Road. Og med tanke på det å drifte denne gamle arenaen. Ja da ser jeg ikke den store inntjeninga på å kjøpe tilbake stadionet. Tror at klubben må tenke ny stadion for at kostnadene på den skal være levelig. Kan jo sammenligne ,med sas kontra Norwegian. Norwegian har nyere flåte, og mindre passasjerer enn Sas. Men alikevel så går Norwegian med overskudd på grunn av nyere flåte. Sas taper store penger hver mnd. Så klubben trenger nok ny bane som er billigere i drift.
Og hva med kostnadene på Thorp Arch. Kjempebra at klubben produserer så mange tallenter. Men er tiden moden for å se på strukturen der og hva som pengene går til. Kanskje fremtiden til klubben ligger i både ny bane og nytt treningsanlegg, med tanke på å få ned utgiftene

nord

Sv: Den økonomiske hverdagen, blir det bedre?
« Svar #89 på: Desember 10, 2014, 11:07:23 »
Den økonomiske situationen i Leeds har været forfærdelig i de sidste 20 år eller mere. Efterhånden er det bare en del af LUFC som vi må acceptere. Mange profeter har lovet guld og grønne skove, men intet var som vi troede det ville blive. Men vi elsker stadigvæk Leeds og bekymrer os om den økonomiske situationen og venter på den "store økoniske frelseren"  ;D