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Banks: it's worth to change? Welcome back

few years in Italy there is a little 'movement in the banking system, and yet, very few (compared to potential) change their banca.
Il motivo più frequente che mi è capitato di registrare è questo: “All'inizio c'è qualche differenza, ma poi, dopo qualche mese, tutto torno come e peggio di prima, perché le Banche ti fregano sempre”.
Questa posizione non è del tutto scorretta, tuttavia non tiene conto delle possibilità che oggi ci sono offerte anche da Internet e dal mondo delle banche online.
Gran parte delle persone hanno un utilizzo del conto corrente poco "frequente", accredito dello stipendio, qualche assegno ogni tanto, prelievo di contanti, pagamento di utenze.
Beh proprio questo è l'identikit del cliente tipo di una banca online, con un'unica necessaria aggiunta (ma se siete consultate This blog is already in your strings) must be able to use computers and have Internet access. Personally, I

customer IWBank for 6 years and I can only speak well of their service is that they offer, in fact, in addition to the Current Account with good conditions, offer the possibility of working in online trading with very attractive conditions and costs . Similarly, your account may be associated IWBank there might be ACCOUNT ING DIRECT ORANGE whose convenience, however, is very blurred in recent times.

The banks 'traditional' mutual banks normally are characterized by un'attenzione al cliente molto più rara a livello di singole filiali.

Se volete discutere di conti correnti o altro l'indirizzo lo sapete

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Riprendo ad aggiornare regolarmente questo blog, dopo lunghi periodi di notevoli impegni.
Noterete delle novità sia nell'impostazione che nella frequenza che spero vi possano piacere.

Le domande di oggi sono queste: Cosa fare in questa situazione di tassi di interesse in tendenziale e costante rialzo?
Come investire?
Come indebitarsi?

Come sempre la risposta non è agevole, perché dipende dai flussi di cui disponete oppure dal tempo per il quale potete rinunciare alla disponibilità del vostro denaro.
One piece of advice I can give at this time to invest can help retain part of its cash invested in short term. A good tool can be repos (which you can buy in the bank) or the BOT and CCT with short maturities.
For them the best advice is to buy them online. The savings compared to buying at the door of the banks is substantial and increases with the amount you intend to devote to this effort.

For those who wrongly see what strategies to use for now, I salute you.

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The Bersani Decree and other reforms

Personally, compared to the action of the current government, I can share some things that have been made, especially the distortion of an address aimed at reducing the tax burden, as I was convinced that only the reduction in revenue could lead to cuts in spending.

said that Italy is the only country where, if you want to do something or it should be a law by decree, and that regardless of the color of the majority so let's analyze the meaning of these decrees.

We are sick almost all of protectionism "personal" . You can open up anything except what concerns us, I say this not to populism, but more because the defense used by all when it proposes to deregulate their industry is to find other areas "more secure" and apply logic, their first ... then us.

Certainly it is true, even now, some protected areas were not affected by the wind of liberalization, as many local public services, which remain major sources of 'hidden' costs due to inefficiency in the management of municipal by administrations, but overall I find the work of the Minister Bersani interesting.

But I wonder, where the Authority was responsible?

The cost of recharging is an invention of Italian companies to take advantage of an anomaly, the fact that they are taxed subscriptions (5 to € 12 per month), while the batteries are free of charge, this situazione agevola ovviamente queste ultime; così fino ad oggi, sfruttando questa idiozia normativa, una tassa occulta la RISCUOTEVANO le compagnie telefoniche.

Perché c'è voluto un decreto? E soprattutto perché non si è anche provveduto ad eliminare la tassa sugli abbonamenti?

Quanti agli operatori non venissero a raccontare la favola che i costi di ricarica sono causati dai margini lasciati agli operatori commerciali, perché sulle ricariche, vi è il mostruoso guadagno dell'1-2%.
Considerato che le compagnie lucrano dal 10 al 33%, sui tagli di ricarica più comuni, che questo guadagno è totalmente aggiuntivo a quello già conseguito sulle telefonate e sugli SMS, you do not understand the reason for this Balzella .

Wind-up charges and has not led to this book in court.

But the cost of charging by many operators, there has always been where everyone, including the Berlusconi government, in all these years?

The rest I have to say that liberalization always have a social cost, the one everyone is talking about on television and in newspapers, often inappropriately, however, the benefit, often much more, is invisible and because it makes little news spread across hundreds of thousands of people.

Let me give an example that I hope will clarify the framework
If we save all 3-4c. per liter for each liter of fuel, what would be the benefit to 20 million motorists? imagine a consumption of 400 liters of fuel / car, and we have a saving of € 320 million, which would be shared only in 16 € / car, against the loss of 5,000 jobs that pay more news.

The problem is that, to take up these 5,000 jobs, now we spend, collectively, € 60,000, it's worth it?

E 'is the problem of many liberalization and the protectionist systems, such as very strong on agriculture.

For now I'll stop here, but I will return later on the subject.

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Severance pay: what to do?

In recent weeks a very salient issue from the people who write to me is the choice to do for their TFR. Let
in business? (For those who work in companies with fewer than 50 employees)
Intended for pension funds? If yes to those such as open or closed?
into the fund created under the Social Security?

It is very difficult choices and that will certainly reflected also in the medium to long term given the importance that the liquidation has always had for many workers.

A certain fact exists, the system is designed to provide retirement income more and more "poor" in the coming years, given the increases in life expectancy, reducing the number of employed compared to pensioners and even the nefarious past choices.
It is inconceivable that the Government can do something to increase future pensions, for simple economic reasons, to give more generous pensions should increase taxes again, which leads the state to recover from a side that has given by 'else. Let us see what

recommend it to all those facing this difficult decision

start with the basic tips for any financial choice:

1. What time does your optical investment?
   In more concrete terms, how old you are missing the board?
2. What do you think you need to use make your payment?

Based on optical time we begin to give some indications.
Pension funds often differ for LINE INVESTMENT chosen, or the financial instruments in which money is invested.
less risky and potentially less productivity and investment in government bonds in the medium term, this line is usually defined as conservative.
Adding bonds before operations and then to the fund's portfolio, makes the line more risky and therefore potentially more profitable.

But if the equity investment is more profitable because they provide more prudent LINES and less profitable? Because, as explained many times on this blog, the time is as important as the need or not, at some point, to dispose of their funds for unforeseen expenses.

While it is true that stock markets have almost always in the long term (15-30 years), higher returns than those offered by bonds or government bonds, it is said that this happens even on shorter (3-10 years).
This means that investing money in a liquidation of your retirement fund with a strong compenent equity, if it's a good idea if you have 30 years and the prospect of working for 30 years, has not said that it is if you have 55 or 60 and you vicini alla pensione.

Lo stesso si può dire riguardo all'utilizzo dei vostri soldi, se pensate di non volerli utilizzare se non in casi davvero eccezionali per tutto il periodo, è bene puntare su una componente di azionario più forte, in caso contrario, se avete già deciso che dopo 8-10 anni utilizzerete quanto accumulato per acquistare la prima casa, dovete considerare questo come il periodo per il quale scegliere il mix giusto, anche se avete davanti 30 anni di lavoro.

Quanto ai fondi pensione ed alle altre forme pensionistiche vi sono principalmente: i fondi pensione aperti, i fondi pensione chiusi, i piani pensionistici individuali (PIP).

Ciascuno ha proprie caratteristiche, ma di questo parleremo in un prossimo post.

Intanto se avete dubbi o domande specifiche, scrivetemi e vi risponderò qui o in privato.

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Consumer credit: Looking Ahead

"Il 10% della ricchezza del Paese, tra cinque anni, sarà legata ai prestiti e a pagamenti effettuati con carte di credito o alimentati da scoperto in banca. Il ricorso alle carte di credito, secondo lo studio, aumenterà del 21% annuo, mentre i prestiti personali del 15%.

Inoltre, nei prossimi anni, un bene rifugio come la Casa si trasformerà in strumento di liquidità, ovvero potrà essere usato come garanzia per ottenere dei finanziamenti. Altre novità riguarderanno poi la diffusione di una nuova carta di credito ritagliata sulle esigenze dell'utente and intended method of payment vary by individual portfolio.

The growth of consumer credit in Italy, therefore, go hand in hand with access to credit extended to population groups, such as atypical workers and immigrants, and this will be a great opportunity for banks that will offer innovative products and more beneficial to their new customers. "

These in summary the findings of the McKinsey-Il Sole 24 Ore published yesterday about the future of the consumer credit market. But is it really so healthy economy based on private debt, already when the situation is alarming the public?

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Who am I?

I was asked to say who they are, well, I introduce myself.

I am 30 years old, a graduate in economics, a former consultant and expert on new technologies.
currently work in the wholesale and retail business and follows the development of new projects and initiatives.
For the rest, I read a lot, playing with my daughters and I take care of my favorite website ilMac.net .
This is my picture, for those who were curious to know how are

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The ECB raised rates: and I will pay

These days we hear continually of the increase in interest rates decided by the European Central Bank, a few weeks ago, is showing its effects on rate mortgages signed varibiale abundantly in recent years.

What awaits us in the coming months?

What can be done to counteract the increases in our mortgage?

should consider carefully what is your situation, even if rates change variables, with fixed rates, at a growth rate is always inconvenient, because growth rates, also brings with it the growth rate fixed.

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