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Pazzi

Soldi Soffrono ma resistono. Gli italiani nonostante la crisi continuano a considerare il risparmio una virtù. E quando riescono a mettere da parte il tesoretto non esitano a investire nel loro più grande amore: il mattone. La conferma arriva dalla consueta indagine condotta dall'Acri, l'associazione delle Casse di risparmio guidata Giovanni Guzzo, in collaboration with Ipsos presented yesterday in anticipation of the World Savings Day is celebrated today in Rome. The research points out that compared to 2009 remained stable, the percentage of families who have managed to save (36%) as well as the strong propensity to save: 41% of Italians can not live without quiet save money and 46% it only does so if it does not cause too many sacrifices. In geographical terms the "ants" are mainly located in North East (45%) and the North West (41 percent), while the national average in the South (30%) and Central (32%). The data also shows the proportion of those who can not cope with the crisis. So if 37% degli italiani vive in una situazione di equilibrio, ossia non accumula ma neppure ricorre a prestiti il 26% si trova in «saldo negativo», soprattutto al Sud dove raggiungono quota 34%. Secondo l'Acri si delineano dunque sei tendenze di famiglie rispetto al risparmio: con trend positivo di risparmio (23 per cento), in risalita (5 per cento), famiglie che galleggiano (23 per cento), con trend in discesa (10 per cento), in crisi moderata (11 per cento) e in crisi grave (21 per cento). In aumento rispetto allo scorso anno le famiglie che «galleggiano», ovvero che spendono tutto senza fare debiti.
La capacità di mettere soldi da parte si riscontra in particolare tra imprenditori, dirigenti e liberi professionisti, while the workers belong to the group's most serious crisis in the savings or those that "float." Waste not, of course also tries to make money from your nest egg. But since you live in a stage of 'wait-cautious and concerned about "increases among the Italians, the liquidity preference, from 60% in 2008 to 68% in 2010, however, remains constant at 9% in the number of those who invest the most savings. And that is where investors have not made a dupe of the speculative finance. The ideal investment is confirmed as the "block" (54%) and constants are also signs for the financial instruments considered safer (23%) and the more speculative (5%). Compared to 2009, this year who really saved the preferred real estate (52 to 58%) and riskier financial instruments (from 8 to 16%).

- Philip Caleri, Time, October 28, 2010

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35. Argentina

Yesterday I came across this coin, that someone has trimmed to one euro, or more likely if they have not even noticed, think positive - dimensions are similar, the difference here is that nickel is outside.

However, when I found myself in the wallet, I have been very happy: it's a missing piece to my collection. It allows me to bring the whole gang of "Travellers property" on the Rio de la Plata. It is indeed a peso, which at current exchange rates worth 17 euro cents. The currency Local has always had a hard - remember the case of bond ? - This is the last version, in 1992 and named in principle "nuevo weight" or "Peso Convertible", the successor to Australia of the '80s, in turn, replacement of the old weight.

On the front there is the radiant sun, Sol de Mayo-derived Inca symbol of Argentina, much to be at the center of the national flag to indicate here the United Provinces. Crest on the back of the village, a replica of the first coin, issued in 1813. But now, let's take a ride on the photographs:

The Rio de la Plata from Buenos Aires as

Lunch: empanadas salteñas

Cathedral of La Plata

Rosario

Ruta Nacional 7

Iguazú Falls

The Perito Moreno, Patagonia

.

Photos © Wikipedia

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Revenge of the fixed rate tranche loses the variable

Resumes quota demand for fixed rate. With the 'Irs lows as always, potential borrowers revalue the fixed-rate mortgages. Data Centre 's MutuiOnline to point out that in the quarter lugliosettembre requests for these loans jumped to 37.5%, against 25.9% in the first half. What makes it more attractive fixed rates also contributed to the slight decline in the average spread charged by banks. "In the twenty-year funding - says Roberto Anedda, MutuiOnline vice president - dropped by '1.40% in July this year' s, all 'current 1.35%, while the thirty-year period fell from 1.55% to 1.49%. They are, however, remained virtually unchanged, the spreads on average variable rates. " Among the products currently available on the fixed market, of particular interest fixed mortgage last minute of the Group Banco Popular, which provides a fixed rate of 2.95% for the first two years and 4% for subsequent years. The duration is from 10 to 30 years el 'amount financed is up to' 80% of the market value indicated in expertise. 'S offer is valid for the loan application signed no later than November 30, 2010 and concluded by the end of this year' s and can be also used for operations of substitution. Current levels of fixed-rate mortgages are particularly attractive to those who want to be sure of the 'extent of the installment for the duration of the loan. Which makes it even stronger with the dilemma: fixed or variable? "In the case of long-term loans, as the twentieth anniversary - explains Egidio Vacchini, managing director of Projects - Who will enter into a fixed rate mortgage will guarantee a rate to values \u200b\u200bin the 'orbit of 3% plus a spread. However, those who opt for a variable rate loan now will get a rate of about 3 months to 0.95% plus a spread, but with the prospect of seeing him grow over time. " To what level will reach the 'Euribor do not know, but knowing the historical average of around 3%, with peaks that exceeded the 5.2% we can get an 'idea of \u200b\u200bhow the potential variability of that rate. "In this historical phase in which the parameter base for fixed-rate mortgages is very low - reports Joseph Piano Mortari, chief operating Assofin - consumers who do not want to risk have a 'unique opportunity to secure their installment maybe for the next 25 or 30 years. " 'S current level of fixed-rate mortgages has slowed the demand for adjustable-rate mortgages during the quarter that capped lugliosettembre this year' s was 16.3%, while in the first half of 2010 was 18.5%. The less funding is understandable, given that protection to 5.5% is considered carefully by the prospective borrower compared to a fixed rate of around 4%. "The fixed rates at such low levels - explains Roberto Anedda - ignite a new interest, even by borrowers, having a fixed-rate loan content, not the 'had hitherto considered affordable. Currently, even those with a fixed rate mortgage of around 5.5% could be considered the 'need to maintain the security of fixed but moving at a rate of slightly above 4%. " This is convenient only if the borrower has not paid more than half the rate of the loan. Do not spoil remember that the calculator rates may change even in the short than the minimum current, especially with regard to fixed rates, which should be the first to react to a more robust outlook for economic recovery. It 'should therefore be considered when you have found the rate more attractive, the' hood borrower prior experience with the bank how long this rate will be maintained in order to encourage the signing of the contact. This is because banks often update the calculation of a day 's disbursement of the loan and consequently significant changes in the rate would result in a higher installment. (Rs)

- the Republic, Business & Finance, October 11, 2010

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34. Aruba

These coins unassuming, frankly, rather ugly are quelle che circolano ad Aruba, nelle Piccole Antille, territorio autonomo ma parte del regno d’Olanda, che vi lascia un governatore in carica per sei anni. E infatti sulle monete, i fiorini arubani, compare l’effigie della regina Beatrice.L’isola, a nord del Venezuela, ha un clima secco favorevolissimo al turismo e scarsa vegetazione, ed è famosa per le sue spiagge bianche. Un posto meraviglioso per noi viaggiatori immobili in questi giorni d’autunno con la neve già comparsa sui monti e le prime nebbie scese ad avvolgere i mattini.

 

 

 

 

 

Photography: Coins Coins © WS / Location © Wikipedia

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Only the residential market sees light

Non scendono i prezzi delle case e nemmeno salgono. Ma aumentano le compravendite e lo fanno per il secondo trimestre consecutivo. Bastassero questi dati per parlare di ripresa, volerebbero i tappi di spumante nelle agenzie immobiliari, invece a brindare per il momento è solo chi opera nel comparto residenziale. I dati sono quelli dell' Agenzia del territorio che se parlano di un mercato in risalita per le abitazioni, tuttavia disegnano uno scenario tutt' altro che rassicurante per gli altri settori, dal terziario all' industriale. La crisi si fa sentire e per il momento non si vede una via d' uscita. Nei primi sei mesi dell' anno, il valore medio nazionale delle case è rimasto fermo a 1.574 euro al metro quadrato: i prezzi risultano stabili sia nei capoluoghi, dove si sborsano in media 2.273 euro al metro (-0,2% rispetto al secondo semestre 2009), sia nei comuni minori in cui il prezzo a metro quadro è di 1.311 euro. Per il secondo trimestre consecutivo, invece, sono apparse in ripresa le compravendite (oltre 370mila). Secondo l' Osservatorio del mercato immobiliare dell' Agenzia del territorio, gli acquisti hanno registrato un aumento tendenziale del 2,3%, dopo il +3,4% messo a segno nel primo trimestre. Nel settore residenziale l' aumento è stato del 4,5%, per le pertinenze dello 0,8%. Per il terziario, il commerciale e il produttivo invece si parla ancora di cali, rispettivamente del 14,1%, del 4,7% e del 4,2%. «Sicuramente c' è a significant recovery in the residential sector and c 'is assumed that the recovery of assets with the tax shelter has certainly had a positive effect on this market. The data is not positive non-residential sector are affected by the crisis that still persists, "said the director of 'local agencies, Gabriella Alemanno. The housing market, after the fall scored in recent years, records the positive trend in the first two quarters of 2010, but said Alemanno, 'this year' s has created a gap between residential and non-residential market that is widening more and more. The result is positive and gives hope well for all those working in the field. We hope that 's real estate port well to other economic sectors and may also be a fly. " The recovery of the housing market has affected all geographic areas: the growth was in the middle of '11.6%, 6.9% in the south and the north of 0.5%. The trend in general is better in the provincial capitals (+8.1%) than in smaller towns (+2.9%). "The reading of data in the second quarter of 2010 released by 'Agency of the territory is certainly good in key national," said the director of' research department of Gabetti, Guido Lodigiani. "In particular - he added - it should be noted that in the big city has exceeded the level of residential transactions two years ago, while the towns of province are still far from that threshold. " In major cities (Rome, Genoa, Milan, Bologna, Turin, Palermo, Naples and Florence) consolidates the 'turnaround detected in the first quarter with the Trading uphill' s 11.2% trend, pulling their respective municipalities provinces (+3.9%). Lodigiani are good for 'the results of the capital of Genoa, and are "going against the big southern cities, particularly Naples and Palermo, where transactions grew the most in the province." In Milan and its hinterland, however, "the market is still fairly static." As for house prices, only in the South was manifested in the first half, a positive trend, trend declines in the North and more opposed to the center (down the capitals, the rise in smaller communities). Stationary quotes in all demographic classes, except the cities over 250 thousand inhabitants, which show a decline for the fourth consecutive semester, the average large city there is the 'only increase, however small, 0.1%.

- Walter Galbraith, the Republic, Business & Finance, October 11, 2010

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Mortgages: Today the rate is lighter

rates, despite some recent tear, the minimum stay: variable loans are slightly above 2%, the fixed to 4, 4% Who has too much debt or have problems at work, fatigue a far fronte ai suoi impegni. L' Euribor, nelle ultime settimane, ha cominciato a rialzare la testa: il tasso trimestrale è arrivato, infatti, intorno all'1%. Nonostante questa risalita, piccola per ora, il costo del denaro continua a rimanere a livelli minimi, mai registrati in Italia dal dopoguerra. E questa è una situazione ottimale per chi sta cercando casa e ha i mezzi per accedere al credito. Per un mutuo variabile di 100 mila euro a venti anni sono richiesti, secondo i dati di Mutui Online, tassi attorno al 2% con rate di poco superiori a 500 euro al mese. Bastano 370 euro se ci si impegna per un rimborso trentennale. Anche i tassi fissi sono ai minimi: per lo stesso mutuo a 20 anni si arriva poco sopra il 4%, con rata indicativa attorno a 625 euro e per il trentennale si sale di un paio di decimi di punto, con una rata da 500 euro al mese. Ma l'epoca dei tassi bassi ha un suo risvolto molto più amaro. Parametri di sistema fermi all'1% (come il tasso della Bce), o addirittura ancora più bassi, come l'Euribor, che oscilla tra lo 0,8% della durata mensile e l'1% del trimestrale, sono la cartina al tornasole di un'economia ancora convalescente da una crisi che ha lasciato il segno sui budget domestici. E, infatti, è in forte aumento il numero dei debitori che hanno difficoltà con le rate. Le sofferenze relative a crediti alle famiglie consumatrici sono arrivate a luglio 2010, secondo le rilevazioni dell'ultimo supplemento al bollettino statistico della Banca d'Italia, to 15.8 billion euro, five more than 12 months earlier with a jump of 46.2%. The data do not distinguish between mortgage lending and consumer credit that has a dynamic worse for the simple reason that debtors may pay less if not. There are also other tests that show the spread of unease: in the first eight months of implementation of the moratorium on loans decided by the Italian Banking ( www.abi.it ) 28 thousand families have opted for the suspension of payments. This plan is one of the banks' opportunities to those who have difficulties to cope with its commitments, it is a solution that is recommended for those who think they have solved problems for a short period. Another solution is to adhere to the moratorium state (information on the website of the Department of Treasury ). Finally, anyone in possession of the solvency requirements (just report installment income, no report in the list of bad payers) are always possible and the subrogation replacement of the mortgage.

- by Corriere Economia, Gino Pagliuca, October 11, 2010

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33. Queyras

I have used a couple of coins like this to buy postcards, stamps, a pack of cards and a game of dominoes the first time I was in the Queyras valley in the French department of Hautes-Alpes, on the border with Italy . It was the summer of 1980, July. It turns on Izoard even the falling snow! But down in the valley, Aiguilles, Guillestre Abriès and the sun was shining. We dined in a restaurant get by with the terms of the menu and I, despite my not even sixteen, I was the only one who knew French well enough to be able to combine not disasters. Then we sat at a table in a bar in the only village square and write those postcards. Next to us a stream cool and tatting rejoiced that our speeches.

Postcards: Votre Quotidiennement / Forum Auto GeneaNet

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Prices about to stop, on the resumption of sales in brick city

A year in recovery in the housing market in Milan in 2009 after a suffocating, 2010 is proving to be more lively. According to the 'Monitoring Agency' s land sales of property in the city, in the second quarter of the 'year confirming the good performance in the first months of 2010. The residential sector, in particular, grew by 3.3 percent over the same period last year, with 5451 sales recorded by acts' Agency at the end of June. At the same time Milan recovered population (more than 12 thousand) to the detriment of 'hinterland, where trades remain the pole with a fall of 0.9%. Still struggle to bring up the contracts for commercial property (offices, shops and warehouses) increased from 535 in March to 703 in June 2010, which had slumped by 12.5% \u200b\u200bduring 2009. "Until the end of last year, the companies preferred to remain in rented premises in order to avoid restraining capital - says Guido Lodigiani - now entrepreneurs tornano, molto lentamente, a comprare i locali in cui svolgere la propria attività, segno di una cauta fiducia in una stabilità lavorativa maggiore». Sul fronte dei prezzi, oggi acquistare un appartamento in città continua a costare meno di tre anni fa: le quotazioni sono scese dell' 1,1% nel corso del primo semestre dell' anno, «ma il crollo, che forse non c' è mai stato, è sicuramente in fase di frenata - spiega Lodigiani - basti pensare che, dopo il boom del 2007, nel 2008i prezzi degli appartamentia Milano erano scesi di colpo del 4,6 per cento». Ritocchi al ribasso si riscontrano ancora, secondo Lodigiani, nelle aree periferiche, da Bonola al Gallaratese, mentre più stabili rimangono zone semicentrali as Abruzzi, Porta Romana, Pagano, and the old town. Separate discussion for luxury residences, the marketplace, according to the 'specialized agency Tirelli & Partners "is very effervescent, with prices that reach 20 000 euro per square meter": the director, Gabriele Torchiani, explains that "in cities even seeing a demand that exceeds the 'offer. The request, however, snubbing the new residences under construction, because in 'fictional Milan the luxury home that remains in the center, in Corso Magenta or being Venice, where there are no skyscrapers, but old buildings that have a market that is very fluid. " C 'is too "new" under construction, according to Lodi: Citylifea from Porta Nuova "is all a crane and the prices are high because the business plans of certain areas have been planned in 2004, in a time of great optimism, and the land were paid handsomely. Now no manufacturer wants to sell off. "


- Laura Fugnoli, La Repubblica, October 1, 2010


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32. Milan 1944

This chip allows us to make a trip back in time, specifically in Milan in 1944, when the city was part of the Italian Social Republic, and was often bombed by the Allies. This is what is called a "token" money substitute issued by a private company or a bank or other organization, however, traded at the local level. This is Tramway Company Milan, now ATM. Voucher for a short stroke is read. The subway of course there was: at that time they used the tram, as the "Gamba de wood, also in the goods wagon for commuters!

Sure, the city that you could go put sadness

Photos © Wikipedia / World Tram / History Milan