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TFR Gone with the Wind? CVD!

The blog is not dead!
Let's say you take the long pauses ...

After June 30 all had to speak on how to commit its TFR, a survey conducted in July by Eurisko behalf of AnimaFinLab sums up the enlightened decision.

La Stampa reported today the results of the survey, entitling it appropriate "severance pay, a predictable failure"

course, because it did not take a certain degree (Imagine all the titles of the masterminds behind from where we are fortunate to be "governed" - is getting to speak) to understand that a well architected halter measure would have raised many questions from workers who would not simply follow the suggestions Pecorone Government.

Interesting article this excerpt:

The main reasons given by workers who had chosen to hold the Tfr in the company have, however, to do with confidence. The first motivation (with more than 20% of respondents) is the possibility of having a cash payment at retirement instead of in the form of annuity, an index of confidence in the value of a private pension. In second place, with 17% of the answers, there is a lack of confidence in financial investment. In third place is the conviction that the Tfr in the company to ensure a more secure performance of an investment in the funds. This seems paradoxical, given that a worker who invests in funds can easily make a return equal to the severance pay investing all contributions in a money market fund. Or the workers were not aware of this option, or be allocated an additional risk in the investment funds associated with the possibility of default of the Fund. This second hypothesis is supported by the fact that only 3% of workers have total confidence in the funds, as against 31% who has total confidence in the company where he works.

From a personal poll of friends and colleagues (all of whom have done so you do not earmark funds TFR), also indicated additional element that has thrown no-confidence on the solution acceptable to our politicians: the non-repudiation 'of choice to trust funds.
To entrust their resources to a destination whose mechanisms are difficult to understand (come on, there really someone enthusiast or expert in financial procedures that really understood what such performance guarantees and give the money?), And could not retrace your steps to me personally alarmed, and then I decided to tick the other box. There
to say that the fact of working in a company with more than 50 employees did not make me excited about having to leave my money (a few, since I had already received the advance purchase due to the first house) ... but INPS at least I hope that, if I have the need when I retire (hopefully before manifesting as dementia), I can recover the entire amount at once and manage it as it deems appropriate, instead of receiving the second sipped abstruse rules of government and banks.

PS: The percentages shown me, however, seem too enthusiastic, especially for employees of big companies ... I think were considered when calculating total the cases of implied consent (due primarily all'ignavia or not to have understood one stone to a lack of clear information) and those where the employee had been assigned previously to the solution Funds ...

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The great festival of nepotism and policulicità

In recent days I've had the "pleasure" to read some articles on a common theme: the ability of politicians and their entourage to occupy all possible chairs Command Authorities, Commissions and various sundries satellite ...

from the start of the "policulicità", which is the detention of several high-level institutional positions by a single person. La Stampa indicates various but still disgusting examples.

then continue with the activity of "ad usum delphini subdivision" to give a chance to work in these times when it is difficult to find a job, people who have undeniable talent Pofessional: for example, that of being relatives of a political or institutional Baron.

Ok, I was too sarcastic and I apologize it is not true that you must be a relative of a powerful ... just be friend or fellow party .

And if there are no relatives or friends available, what can a poor politician to fill the vacancies? Eh Oh well ', it means we will have to adapt himself to take the vacant in addition to the one he already owns.

But of course they do it only for citizenship. Ah yes, then there is the question of the princely salaries for these positions ... but come on, we're not always talking about money vile!

PS: I recommend a reading of "La Casta ", book by Gian Antonio Stella and Sergio Rizzo ...

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Anti-trust (literally: anti-trust)

Yes, against the people's trust! The last exit

Antitrust about the branches of Intesa Sanpaolo leaves me very perplexed ...
In short (as the article follows the current of thought that it is assumed that the reader is aware of the context), following the merger between the two banking giants, and the consequent presence of duplicated branches on the territory now belonging to the same bank, you ask Intesa and Sanpaolo to close some of them.
The reason is precisely that which the new bank would be at an advantage over competitors because it has a greater capillarity and spread of branches.

considerations flowing directly to me.
We are talking about medium and large cities, where there is currently a subsidiary of Intesa Sanpaolo. Logical to assume that the same center there are also other branches of banks.
I think the (alleged) claim made by them towards the new colossus is required to cover a much more serious structural flaw.
The user's preference should be gained through quality, not quantity ! The Bank Piripacchio can have branches in every street, but if its services are poor account-holders should probably choose another financial institution whose conditions are more favorable. A fortiori the centers of medium-large size where the offer should be sufficiently diverse.

In the previous paragraph I used the conditional tense for several reasons.
The first is that in Italy as an argument that the Antitrust Authority has put together a good game: in a country where people have the myth of the food prepared in a chair, does not use public transport because they are not comfortable enough to do and when to the expenditure does not agree to park in front of the store (perhaps having to do 100 meter walk), it is difficult to agree to take an "extra mile" to address an agency that applies the most favorable terms.
The second is that the variety of the courted does not exist in reality, all the banks pull to do its convenience (see the various items of Maurizio Blondet on the subject) and there is a clear sign to maintain the conditions flatly equal (and disadvantageous for users) across. The Antitrust

would have to worry about undermining the foundations of this granite conspiracy, instead of answering questions of wool goats ... but the reality is that the account holder / user / taxpayer has in fact always the ' Last wagon wheel by virtue of the fact that does not have money or power, and it is easier for the authorities to show off a defender behavior facade that is careful not to put any spanner in the works of friends banks.
Indeed, in this way the group Intesa-Sanpaolo can happily afford to put at the door staff who will have to be made redundant with the justification: "I decided that I'm not rockin 'out! I require the Antitrust ... what can you do?"

And they all lived happily ever after (except the depositors and "purged" ... but for the good of many that need to accept some sacrifice!)