Economy

What is a grant and who can benefit?

To be eligible for this loan only certain areas of Italy and the people between 18 and 35 years old here reside there.

The loans are intended to grant to certain areas of the Italian territory and are to promote youth entrepreneurship. So there are only a few regions that can access it: Sicily, Calabria, Campania, Basilicata, Puglia, Lazio and Sardinia. More common in some other regions.

You have to meet certain requirements for access to this kind of loans. You have to have between 18 and 35 years old, resident in these regions at least six months and unemployed at the date on which the application is submitted.

In choosing the right insurance rc car is important to check all the items of coverage

The RC car, as is now known, is one of the most expensive items of expenditure for the Italians. One area 'whipped' from scams and price increases which occur every year, on time, made to ensure their cars quite a feat. These days, then, the economic crisis has led some companies to market offers 'aggressive' and taken for granted, however, to keep alive a turnover that is likely, however, to stagnate.

Discounts, it was said. As the "exclusive guide." Only one driver, on which rests the insurance coverage. If he drives that car, spend less on insurance. The downside? The right to reimbursement when driving is no longer the same motorist is no longer automatic. Likely, indeed, to decay. Beware of possible scenarios, in front of a saving, appear almost secondary.

Purchase house: energy class certificate heavily influences property value

Since 1 January 2012 there is an obligation to present the homes are advertised for sale a certificate of energy class. Legislation that for those who choose to buy a used could become decisive for the assessment of the property to be purchased

The obligation to produce the energy performance certificate for sellers will have a strong impact on the prices of used products.

If it is true that the variations in price between properties are not as pronounced among a class F and G, or between an E and a D, instead begin to be felt between a used complete renovation and a good used.

Exemption fuel card for purchases of fuel by debit or credit cards

The costs of company cars, with regard to the certification of fuel purchases made by VAT subjects at the roadside service, are subject to specific rules. "In particular, it is the so-called fuel card, established by Decree of 7 June 1977 and then updated with the particulars required by Presidential Decree 444/1997. The card replaces the bill, and is valid both for the purposes of the deduction of VAT, and to allow the deduction of the cost of acquisition for the purposes of income tax.

How much are the returns on life insurance policies?

A 2012 in bleak for life insurance policies, whose yields are very in this year dropped. The life insurance policies are contracts between private citizens and insurance companies, which are important tools in terms of social security for his family, as well as a useful form of supplementary pension.

A life insurance policy provides that the insurance company undertakes, upon the payment of a premium, to liquidate the beneficiary (or beneficiaries) designated in the policy, a share in a lump sum or through an annuity, as a result of an event on the life of the insured.

How much are the new taxes introduced on securities, life insurance policies and investment funds?

Taking this in January 2013 the new taxes and new payment calculations for taxes on financial products you currently hold. According to new calculations, on deposit accounts, securities accounts and insurance policies will pay 0.1% of the deposited amount for 2012 and 0.15% from January 1, 2013.

The stamp duty is a minimum of 34,20 € and a maximum of 1,200 euro, on bank accounts, postal and postal savings books you will pay a fixed tax of € 34.20 in respect of stocks annual average of more than 5 thousand euro; on postal savings paper you will pay 0.1% in 2012 and 0.15% from 1 January 2013, with minimum tax of 1.81 euro for good with no exemption for amounts less than € 5000, while on postal savings dematerialized you will pay 0.1% in 2012 and 0.15% from 1 January 2013 the good with the same header, above 5000 Euros.

What are the planned changes to the insurance contract (car-life) introduced by Decree-Law of 18 October 2012?

Dreceto Law of 18 October 2012 n. 179

in G.U. of 19 October 2012 n. 245 (Ordinary Supplement 194)

Article 21 Measures for the detection and countering of insurance fraud

1. The Institute for the supervision of private insurance and collective interest (IVASS) responsible for the prevention of fraud in the field of civil liability arising from the use of motor vehicles, in relation to claims and compensation, and the activation of early warning systems against the risks of fraud.

How much you can deduct of the cost of life insurance and accidents in the model 730?

Among the tax deductions, which allow the taxpayer to reduce the income tax (income tax) to be paid and to declare the Form 730 or Unico, there are income tax deductions of 19% of the costs for some costs incurred during the year . Among the 19% of the tax deductions are those for insurance, as required by art. 15 of the Tax Code.

The income tax deduction on the life insurance and accident insurance allows you to deduct from the gross income tax calculated on total income, 19% of the costs incurred for insurance premiums pertaining to:

The DL Development in 2012 has led to ten years, the prescription of insurance policies dormant

Finally the battle of A.E.C.I. also shared by other consumers' associations brought some important innovations in the field of dormant policies: the Council of Ministers, in accordance with the Development Decree (Legislative Decree no. 179/2012) has indeed shown from 2 to 10 years the period of limitation policies life "dormant".

That period was reduced to 2 years with the Law n.166/2008 but, according to the same Government in a recent press, it was found wholly inadequate to ensure the possibility of redemption of the policy, especially in the case of dell'intestatario death.

What rules to the installation of surveillance cameras in the building? January 3, 2013 Supreme Court judgment no. 71

The increase of fear for their own personal safety and increased instances of protection, even from damage, property own, is the increase in the demand for means of protection and prevention. Among the various means of protecting an important role (for low cost of installation and maintenance and high deterrence) is carried out by the cameras of "surveillance" used as a passive instrument to deter evil-minded persons.

This, however, does not mean that problems will arise "collateral" to install, even if these cameras are installed in an apartment building by a single owner and / or the building as a common good art. 1117 of the Civil Code give rise to many problems.

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