For artisans and merchants, farmers and agricultural workers, project workers and professionals with no separate operating cash contribution rates increase from 2012 funding due to the government's pension reform Monti. More contributions to be paid for all self-employed. But also some protection for some more.

The maneuver on the pension system launched by the Government Monti has substantially changed the requirements for access to retirement of workers. It has gone from retirement with the quota system and the floating window, later to be replaced, the new early retirement. In addition to the changes in requirements for access to early retirement through the years of contributions, was also modified the old age pension, which is instead linked to achieving their age.

From Agency Revenue a new circular with detailed explanatory notes on the new regime of minimum 2012. Clarifications on the most significant advantage of the tax system and about the timing, access requirements, the requirements and communications to be made to use them. To be addressed for the first time with special cases in which there were continuing doubts.

The first important clarification regards the system of new business initiatives, governed by Law 388 of 2000, is in fact still valid - it is written in the circular - the ability to use it. Also of interest are the details regarding entry requirements additional to those laid down by Law 244 of 2007 and introduced by the decree establishing the new regime (Article 27, paragraph 2, letters a, b and c of Legislative Decree 98/2011).

Fine if canceled after 220 days Equitalia not answer: the Senate Finance Committee has, in fact, developed the text of a bill that allows the cancellation of payment orders for taxes or administrative penalties prescribed for a long time also sent by debt collectors agencies as Equitalia.

Under this system, the taxpayer would receive a tax prescribed or incorrect may, within 90 days of notification, submit a declaration creditor institution, which will have a further 60 days to respond.

After 220 days from the initial declaration, the fine will be automatically canceled if Equitalia, or any other entity creditor, failed to provide any response. The bill provides, however, that the new rules also apply to all those who have submitted statements to challenge the folders before the entry into force of the law.

The measures introduced for the first time in an Italian legislative framework for organic encourage the creation and growth of innovative enterprises (startup). These rules are consistent with the objectives of the National Reform Programme 2012 and with the development strategies of smart, sustainable and inclusive defined at European level. It will thus contribute to the spread of a culture of innovation and entrepreneurship, the promotion of social mobility, transparency and merit, to the creation of skilled jobs, especially for young people. For the startup, we immediately made available to approximately 200 million euro, including the funds allocated by the decree in the form of incentives and investment funds made available by the Italian Investment Fund of Deposits and Loans Fund. In the coming weeks, with a special ministerial decree, will be allocated additional resources for new firms in the South. The rule, when fully implemented, will commit € 110 million each year to encourage companies startup.

To defend their savings in this particular moment of crisis, experts advise to diversify their investment portfolio, because choosing certain tools you can minimize the risk.

Although now nothing and no one can ensure certainty and probably some risk who invests it always runs. Assuming that the best investments today are those that take place in the short term, such as a bot or two-year BTP at 3 and 6 months, the advice would be to stay away from shares, subject to the performance too fluctuating market trends, although even in this context there are positive references.

However, as is clear from the analysis, stock market today there are no job protection, especially because no one knows how it will end this crisis, and its possible consequences could involve those lists that for now remain in the shelter.

Black Box mandatory for enterprises and automatic reduction of the award in the absence of claims to be applied according to a two-year slide mechanism, which provides immediately indication of the insured percentage of reduction of the premium for the following year, without any increase can absorb the tariff reduction: these are the new Isvap communicated to the auto insurance industry.

The Institute has also pointed out in a note that 'the only permanent biological damage must be assessed with a clinical assessment instrument goal, while the temporary may also be determined only visually'.

In recent months, the mortgage market has seen a significant drop in demand, reflecting a crisis that is being felt not a little, and the increasing difficulty with which banks make loans and provide mortgages.

All this at the expense of growth of the economy and citizens, especially young couples, increasingly unable to invest by purchasing a first home.

But, according to the latest figures, for families, there is a new possibility: if the last data of the CRIF showed in the first half of 2012, a mortgage application which marked a worrying decline, accounting for 44%, the credit crunch to families is slightly loose. And the same Bank of Italy stressed that between April and June the conditions of access to loans are slightly improved, mainly due to settling of the average spreads, which amounted to 3% today.

The Council of Ministers has finally approved the Development Decree which contains a long-awaited interventions in favor of startups and the digitization of our country. Now Italy can share and catch up with foreign parnter.

The Digital Agenda Italian is reality now. The Prime Minister Mario Monti yesterday afternoon has announced the go-ahead in CDM for the growth of the decree containing measures for the digitalization of the country and support for startups. A momentous step that puts Italy in a position to bridge the gap that separates it from foreign partners and pointing "to make our country a place where innovation is a key element for growth growth." The continuous slippage of the discussion and doubts about the economic coverage of operations in recent weeks had placed a heavy burden on the most important steps provided in the first draft, so that after the approval, the Minister Passera said: "We hope to have surprised those who thought that we would make only a part, we were able to do almost anything. The main chapters are the digital agenda and start-ups. The range of interventions that touches almost all the ministries. "

In 2012 the percentage useful for the payment of contributions to segregated INPS has been elevated to a point. The rates go up by 1% and then the most widespread, one for project contracts, go to 27.72%. We see the system for calculating contributions, the income ceiling, the minimum for the INPS and the terms of payment.

The Italian pension system, with INPS as the main body, is based on multiple security management. In addition to the one dedicated to employees, including the management the most important of the welfare of Italy's most important one dedicated to professionals without cash and staff, project workers on everyone. This is the separate management INPS.

The brick market in Italy today is certainly not the most flourishing: mortgage applications fell in the last months of 2011 and it's not better in the beginning of 2012. According also to the forecasts, we must wait until 2013 to see a recovery of the real sector.

Looking at what is happening in the market and interest rate trends, the Euribor, the rate familiar to borrowers who are repaying or are they going to take out a variable rate mortgage is below 1% (at 0.864%) on the a maturity of one month, and 1, 24% on 3-month and one at 3 months is expected to fall below 1% by March 2012 and then remained below 1% until September 2013.