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Archive for January, 2009

Coming the new credit card … Nokia!

January 28th, 2009

It was coming from the United States a new technology that will help us to reduce the magnetic cards that we have many in the portfolio.

The technology called Near Field Communication and the first to use it will be Visa and Nokia.
With this coupled inside our cell phones will be installed this simple. A reader will allow us only bringing the phone to make payments and withdraw money from distributors.

No need to type numbers in the POS or spend the magnetic card into the reader. An identification code will enable the function on your phone and make payment.

In case of theft, thanks to this code, you cannot use the phone for a payment. Also in the case of a possible scam, now you can also trace the owner of the “means of payment” when insert a sim or installing burglar alarms for different phones equipped with GPS or not.

The technology seems very comfortable and hopefully uses it in many, but I wonder what will be standard. I.e. the spread will be only for Nokia or other manufacturers will adopt this innovation?

The idea I like and I hope will be incorporated into projects not only for all lending institutions, but also for the cards of supermarket items, video rentals, and any store that takes a magnetic card system.

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Posted in Banks

Tags: credit card

Families in Crisis: Stop their payments

January 16th, 2009

ABI and the Ministry for Economy and Finance signed the agreement which, in addition to activating the Tremonti bond, also provides for the suspension to pay the mortgage payments for 12 months for families hardest hit by crisis.

The protocol shows in detail that the beneficiary of the scheme is the “underwriter of mortgage for the purchase of a principal or a member of the family he lived with, who has benefited from today and until the end of 2011 of operations for the income support for the suspension of work or has suffered the loss of the first jobs of employees.

Among the beneficiaries, as well as those who remain jobless, are also included Collaboration for which the anti-crisis Decree Article 19 provides for the allocation of a lump sum.

While for workers affected by restructuring, reorganization or closures of companies for which provision is made use of the unique integrated fund or a waiver, the banks undertake to promote agreements that allow customers to access shares advance layoffs extraordinary.

STOP paying the installment, no cost to the customer is valid for one year, since the banks did commit to predict :

- where the underwriter of the loan for the purchase of a main or a component of cohabiting household has benefited from assistance for income support for suspension from work, or has suffered the loss of his employment of employees, or is qualified for the award of one-off amount specified in Article 19, paragraph 2 , Decree Law No. 185,108

- suspension for at least 12 months, payment of installments at no cost to the customer and resulting translation of the repayment period. The suspension ends in advance if the employee is reinstated or fined a new job.

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Posted in Business News

730 and New Deductions

January 4th, 2009

The innovations introduced by the 2008 Budget by the operation in summer (DL 112/08) and Decree anti-crisis.

Here are the main:

It was confirmed by 19% deduction on expenses incurred for a total amount not exceeding 632 per year to child.
Sport. The confirmation of the deduction, up to 210 Euros per child, the cost of annual membership and subscription to sports clubs, gyms, swimming pools and sports facilities for children aged 5 to 18 years.
Resident students. The deduction of 19% – on spending up to 2633 Euros – which is true about renting accommodations and award contracts with the entities. The university must be a minimum 100 kilometers from the town of residence of the student.
Appliances. Also applies to 2008, the deduction of 20% for the replacement of old refrigerators and freezers with more energy not less than Class A +. The maximum deduction is 200 Euros per unit, including costs of destruction. The purchase must be documented by invoice or receipt speaker.
Mortgages. Rises to 4 thousand euro discount on interest paid for loans first home, even in the case of co-ownership. Who settled the old mortgage and has kindled a new one, even at another bank, continues to benefit from the deduction. For loans for the construction or renovation, always the first house, we deduct up to 2582.28 Euros in interest expense. The contract must be concluded within 6 months prior to the start of work in the 18 or thereafter.
Restructuring home. Were extended the deduction of 55% to energy regeneration: the taxpayer can choose the number of rate – 3 to 10 – on which to depart, and the bonus of 36% on restructuring whose cost does not exceed the limit of 48,000 Euros.