Archive for the ‘Business News’ Category

Regional funding for the environment

July 27th, 2009

My friend suggests an interesting site to easily find the funding for the regional environment.

Pienosole.it offers the opportunity through a map of Italy to find for each region of the financial opportunities it offers regarding the installation of photovoltaic and renewable energy.

The data are continually updated by the ENEA (Italian Agency for New Technologies, Energy and the Environment):
ENEA carries out research and technological innovation in energy, environment and new technologies, to support policies of competitiveness and sustainable development of the country.

The Board operates within four areas: clean energy technologies for the territory; Technologies for the future applications of advanced technologies. He is also important tasks for the country.

Quick to understand and easy to use, can stay updated on current regulations and the possibility of obtaining attractive financing.

I recommend everyone look at it, maybe even to those who are completely disinterested on the subject, you might find something interesting.

If you find something that you want to talk, tell in our comments.

The wear increases with the crisis

July 17th, 2009

Venturi (President Confesercenti) denounces the closure of more small-medium enterprises, which not being able to turn to banks for a loan, end up in the hands of usurers.

‘The crisis makes small businesses more exposed to moneylenders – he explains – In 2008 at least 15,000 have closed because ‘over-indebted and often choked. The first data of 2009 confirm this trend. “

The figure is alarming and I think a lack of information, linked to the economic crisis has led to achieve those results. If banks implement tightening credit and provide money only to those who already have, logically the single entrepreneur finds he having to ask for money elsewhere, ending sometimes in the wrong hands.

Banks to acquire new customers and prevent such phenomena, could carry out an advertising campaign that outlines some products to those affected by the crisis and that in a moment of weakness are addressed to those who should not.
Full information can encourage a relationship with the banks and improve the image the lending institution.

However, if finished in the money-lenders, reported to authorities what happened, because only they can do to end the inevitable sequence of dangers to which there exponent daily.

ICI News on the invoice

June 28th, 2009

Published in the Official Journal of 30 March, the ministerial decree approving the new model to be used for the payment of municipal property tax, which sees eliminated the discount on additional ICI for the first home.

C on the ministerial decree of 25 March, the new model incorporates the provisions of the current account dictated by DL 93/2008. Are thus eliminated the boxes that enable the taxpayer to report the amount of the further deduction of the primary residence.

The report, which is valid from 2009, is used for both direct payments payable to the Municipality where the buildings are located, and for those affected through the “foster-service recovery.”

Taxpayers will also pay the tax using the telemetric service Italian Post Office, who will issue, in addition to confirmation of this, even the virtual image of the module (or communication in text format) with all data entered on the property. It will be up to the Italian Post Office to send to the common owner of the account printed copies of receipts or pictures of the bulletins by electronic mail, maintaining in its files copies of payments made.

The decree provides, however, can continue to make use of banking services for the purpose of making payments.

When and How to Contact the Ombudsman Estate

April 4th, 2009

Setting out in search of the apartment is ideal not an easy undertaking? If we decide to go it alone, the issues to which we must evaluate and verify are many:

  • Distance from the workplace;
  • Proximity of commercial services and public transport;
  • Presence of lift to the upper floors;
  • Electrical, plumbing and heat standard;
  • Roof and facade in order;
  • Absence of mortgages or bonds;
  • Regularity register;
  • No debt of the seller to the condominium.

These are just some of the things we have to check first, you must have much time to devote to visits to find the house to our liking.

If we rely to an agency we receive a number of services in exchange for the commission to be paid. Real estate agencies have a wide property portfolio often accompanied by photographs and detailed descriptions allowing for a rapid choice of what you want with a saving of considerable time.

Furthermore, the professional real estate agent has already in hand documentation of the property and shall, in agreement with notaries, audit mortgage and land. Assists the customer until the notarial deed resolving any problems or concerns about your sale.

If you choose the estate agent there are some things to watch out for:
- Number of enrollment in the role of estate agents;
- Join a trade association (FIMA – Fiaip);
- Pre-definition of the commission and the manner of payment;
- Presence of insurance against occupational risks.

It is also customary for a professional real estate agent does not ask:
- Advances on the commission to visit the building;
- Checks to deposit or deposit in his name, because these should always be made payable to the seller.

In addition, mediation has become part of the notarial deed, as the notary is obliged to indicate whether the parties (sellers and / or buyers) have used or have not used any society mediator, and if you are availed themselves obliged to describe the means of payment of that mediation.

Just help those who have chosen the variable rate and finds himself in crisis?

March 17th, 2009

In this article from the site BankNoise defines the possibility to sustain their mortgage against default risk.
Rightly insurance should be taken before the default risk is real or even already has not paid one installment.
But the author of the article presents the problem of demand and fairness in helping those with adjustable-rate mortgages have been supported by the state for nonpayment of installment.

Is it fair to help those who are not insured or has made a loan at a fixed rate on his own (but they paid less), while others have had to pay a higher price to get the same guarantees?

In my opinion the answer is both sides.
It is wrong because economically speaking in the lending market certainly creates such an imbalance is not indifferent between customers who have made different choices when purchasing and could push more people not to worry too much about the insolvency of payments.

It is right ethically speaking, because you cannot leave thousands if not millions of people without a home, on the brink of bankruptcy. The protection of the population by a state must always be present. Who, wishing to go into that well, we can easily understand how the economic consequences of an operation by lax state goalkeeper tragic repercussions throughout the market.

The example is that American who fail leaving many lending institutions and not adequately monitoring the financial market has created a system that its failure has created a crisis that has spread worldwide.

Personal income tax deduction of 20% Furniture and fixtures

February 16th, 2009

The tax of 20% on the purchase of furniture, appliances, TV and PC, designed the furnishings of refurbished buildings was confirmed by conversion into law of the Decree Law 5 / 09.

The rebate is a tax deduction equal to 20% gross amount paid by February 7, 2009 to 31 December 2009 for’s purchase of furniture, household energy class not less than A +, televisions and computers.

In order to use the personal income tax rebate, however, the expenditure must be documented and goods purchased must be directed to furnish a house under renovation construction, to reduce to 36%. The property to be furnished must have been the subject of planned maintenance, restoration and rehabilitation attachment of building renovation, which began on 1 July 2008, and for this treatment, the person must use the deduction of 36%. Restructuring must be later than 1 July 2008 and to verify this, it should be considered the starting date of works shown.

You may qualify for the deduction of 36%, irrespective of the category building intervention, even for simple repairs of unsafe equipment, such as, for example, replacement of the gas pipe or repair of a malfunctioning outlet (Circular 6 February 2001, n . 13 Revenue Agency).

The purchase of subsidized goods may be made at any time, but must be paid on 7 February 2009 to 31 December 2009. Payment must be made by bank transfer or check with the same conditions for the deduction on the building renovation.
The maximum expenditure facilitate, on which to calculate 20% of personal income tax deduction is equal to 10 thousand Euros. Thus, the maximum tax reduction is 2 thousand Euros. The total deduction must be spread over five equal annual installments.