In order to encourage the building renovations, thereby increasing the renewal of housing interventions since 1998 have been in force in Italy, some tax rebates on the "recovery" of real estate.

The main concepts of building deduction

The legislation sets out the main cost items of a building renovation, thus enabling a substantial saving on interventions aimed at the recovery of the real estate. Although the legislation has been simplified compared to previous years, go to the deduction is not very simple and you have to avoid mistakes that can lead, in the case of checks, the loss of subsidy.

The credit insurance business is a service provided by insurance companies specialized monoline generally, and is based on prior assessment of the buyers by the insurer. Regards the coverage of the risk of permanent loss, originated from insolvency and / or non-payment of short-term trade credits, which have arisen in respect of economic operators, following a contract for the supply or provision of services.

The contract was awarded by the vendor in its own interest, unlike what happens with the Bonds, and provides an overdraft mandatory (the current legislation does not allow the Insurer to provide 100% coverage - generally between 80 and 90%).

By taking out a life insurance policy, the contractor enters into a contract with an insurance company and undertakes to pay premiums in respect of which the occurrence of a future event, the insurance will liquidate the capital accrued to a beneficiary, with payment in a lump sum or as an annuity.

The instrument is designed to protect against the risk arising from the death of the insured, but also as a mechanism to build a supplementary pension.

Expires March 15, 2013 the tender for the award of grants allocated to consortia of SMEs (small and medium enterprises) for internationalization projects. The notice published by the Ministry of Economic Development promotes the internationalization of Italian SMEs through grants of up to 200,000 Euros.

The contributions referred to in this Decree shall be designed to support the performance of specific promotional activities of national importance, for the internationalization of small and medium-sized enterprises made by the Consortia for internationalization, including through network contracts with small and medium enterprises consortium.

It's not far, the deadline for delivery of the mod. 730 on income 2012: April 30 and May 31, as the case we'll see. As is well known relation to the statement of income of employees and retirees, although holders of income from land, buildings and, possibly, other income of self-employment by the state, as long as occasional.

Should not waste time and not wait until the last days. To get help from the CAF (Tax Assistance Centre), the first step is to gather all the necessary documents relating to 2012. The first thing is to make sure that the employer (called a "withholding agent") or the institution to which they belong have correctly sent home by the 28th February, the CUD.

Among the policies of the latest generation are there, and not many years in our country, insurance Long Term Care which, like the Dread Disease already considered, are born from the need to cover risks not perceived before.

Let us always remember that it is the perception that there is a certain risk, maybe linked to changes in the socio-economic landscape, there arises the need for a new insurance product and pushes insurance companies to study the rate.

A real nightmare not only for the individual banks but for the whole economic system where they intersect with the lenders. And 'the phenomenon of "bankrun", that the race for the withdrawal of bank deposits at the counter: it is feared that a bank is insolvent and withdrawing their money en masse is in fact contributing to make it so.

Before we get started, it's a useless emotional behavior and the reason is simple: even in the hypothetical case of default (failure) of a credit institution, the savings of customers are protected by the Guarantee Fund. The Guarantee Fund is a fund Interbank deposits must belong and to which all Italian banks and guarantees the return of cash up to a maximum of EUR 103 000 for current account holder.

From May 2011, the procedure has been simplified: it is no longer necessary to send to the Operational Pescara the notice of commencement of work and indicate in the invoice of the company carrying out the work the cost of labor.

Here is the procedure to access the deduction:

1. Before starting work you should send it by registered mail prior notification to the competent ASL only in the case where the type of work provides for the respect of the safety regulation (Act 81/08), a case that occurs in the majority of Foreign interventions even in small quantities.

Better a life insurance policy or pension fund: What to Choose

Almost 60% of the Italian offer individual life insurance coverage as long-term care (LTC) for the cases of supervening term care, temporary cover in case of death (Tcm), and other services in respect of accidents at work, total and permanent disability, disease Gravio of death.

All life insurance policies provide an annuity, almost all (63 of 65) an annuity reversible and most (56 of 65) an annuity certain, that is fixed over a period between 5 and 15 years or until they reach 85 years of the subscriber.

The new measure Isvap (Institute for the Supervision of Private Insurance) approved also by consumer associations, entered into force on 2 April 2012. Prevents insurance intermediaries, including banks, to fill the role, both as sellers of beneficiaries of insurance policies (life and non-life), combined with mortgages or loans: may be concluded with any insurance agency and not with those suggested by the institute lender.

Banks or financial, for their part, they can sell insurance policies, but can no longer use them as beneficiaries and vice versa.