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The three golden rules to generate cash flow for debt

In recent days newspapers and TG have taken the news of constantly growing debt of Italian households. This would be very happy, but if the debts were "good" or if the average Italian had been indebted to generate additional income, for example to buy a property, renovate it and resell it. A debt so-called "good", in fact, produce cash flow and increases the availability of funds in the family budget. Debts of "good" should have many! But the Italians are not the debts of this kind. In fact, in our country, as in England and America before us, we are drowning in debt "bad" that is, those debts not to make money, but to buy luxury goods: mobile phones, televisions, refrigerators, cars and even holidays! People are borrowing from the future! In Great Britain have already fled to safe havens of the subjects entering the study of financial education staff to teach such people how to manage their finances and avoid debt inutilmente.In Italy this is still a utopia. At the moment the only ones to take specific courses on the subject we are. But how do you distinguish a good from a bad debt? It 's simple, just keep in mind the three main rules to learn to use leverage, or as they call it the Americans "Others people money"
The debt must produce money instead of burning it.
Its duration must be greater than or equal to the time of payback.
Never borrow to buy assets that produce income (including the purchase of a first home). Today not only the middle class shrinks, but also sees lower its standard of living. In fact, only those with proper financial education is getting very good results even in times like these so-called "crisis." In my courses are increasingly people who want to exit the "hamster wheel" and to acquire information, and a method that will enable them to improve their real and concrete life, and that of their famiglia.Spesso the people want simple but important: to give parents peace of mind for retirement, be able to think calmly about the future of their children, or even know to take control of their lives and choices . All this is possible only by having acquired the information necessary to achieve it. Today, those without the right knowledge ends up paying a very high price for their disinformazione.Forse should think about the political campaign. Or for them, is much more convenient and useful to have ignorant people?

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home loan? Better for a building (Gabriele Visintini)

I attended the course on "Investing in real estate" by Alfio Bardolla in December 2005. In the weeks following I tried to put into practice the teachings received by evaluating the real estate ads published in some magazines. I think I have personally tested more than twenty buildings without finding anything that would suit my esigenze.Nel March ... On the turning of a building to be upgraded I read a sign that reported the sale of some apartments. Intrigued by the announcement I have an appointment to evaluate the offer. I was convinced to buy one apartment, but the proposal was advantageous to the point that three days after I signed an authorization for the entire house, consisting of six apartments and two negozi.Ho signed on for 400,000 pre-pay a deposit of € 40,000 Euros (20 my and 20 of a friend). The deed has been set for September 15. Within two months I met several companies interested in the restructuring by offering them the possible sale of preliminare.Il June 30 I decided to accept the highest bid, € 550,000, thus realizing a profit of 150,000 €! Today, with the accrued income, I buy a big house be divided into three apartments that account to sell to 140,000 euro each. Considering the cost of intervention and taxes, I will remain in the pocket around 250,000 €. Not bad for the first 12 months of operation.

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Brick in the center after years of neglect

After years of scant attention, the years when the housing question was relegated in the background, being given essentially resolved, the house is back to being a national priority. The general weakness of the housing policies, the lack of supply of affordable rental housing, the insignificance of the assets of public social housing and its substantial "block" are just some of the critical factors underlying the problem take home in our country and particularly in large metropolitan areas. The budget law for 2008, together with the law passed shortly before to deal with the emergency evictions constitutes a new dimension to the regulatory body to address the various facets of the problem, so that many commentators have considered the entire maneuver of fiscal policy for 2008 as quite marked on the house, an issue that the legislature sought to develop, though not always consistently. Shortly before the launch of the budget bill, in fact, the law 222/2007 has allocated € 550 million to make public housing available to the evicted, € 150 million contribution to the lease and, above all, 5.5 million euro for the formation of a, much-needed, - in a context where precise data on the actual size of the housing problems there are none - Monitoring (national and regional) in order to obtain information and databases on subsidized housing. Subsequently, the Finance Act, has gone to affect, to name just a few of the topics more meaningful, on Ici, energy saving and renewable sources, loans, incentives for recovery, planning, valuation of state property, investment of social security institutions, and so on. One of the trends explored at the same time the most important and far less cultivated, has been the revival of the rental policies. The need for such an approach results not only by the urgency to respond to some dramatic social tensions but also by the need to address the issue of limited social mobility and territorial penalizes Italy than in other European countries. Therefore, the creation of conditions for the revival of real rental offer at affordable prices is essential both on the social cohesion than on the competitiveness of the country. In the last decade in our country was built less than elsewhere in Europe and this new housing stock, the share of the rent is almost nothing. The smallness of the Italian locations of finds its reason for being in a variety of factors, such as the low elasticity of urban planning tools; rigidity to the mechanisms of public housing, and the difficult access schemes charges agreed location, and the limited return on investment.

Fotografias De Paty Naviadad

NEGOTIATION AND SALE OF PRE-SALES BEFORE BUYING

how to make the preliminary, a great way to make money immobili.Come do with real estate transactions without using high figures and advances bassissimi.Come only commit to buy the property and payable without having to make real estate transactions very quickly.

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verification of the regularity 'ESTATE

The problem of regularity for the purchaser of a property must begin at the stage of signing of the compromise, requiring the seller to an overview in order to ascertain compliance and mortgage register. In addition to these documents should check the title, the certificate of habitability, license or building permit, the house rules, and may register the certificate application for building amnesty. It is also necessary from the purchaser to check the condo fees if pending, which, if unresolved, should be paid by the latter. Particular attention should be paid also to the position Tax: The State in fact reserves the privilege of ownership if such has not been paid the inheritance tax, and more generally for both direct taxes to indirect taxes is also in the case of transfer or sale of the property. The IRS may take their claims of personal income tax or corporate income directly to the property tax income for the year preceding the one of the sale, which becomes a limit of five years after the record date for the registration tax and the Invim as the date of submission of the declaration. Regarding the form of payment, the customer should have the care to make the balance by means of bank drafts, in order to demonstrate unequivocally the financial transaction, related to the sale of the property. Instead, there is greater freedom in terms of payment at the time of the compromise. It 'also important to verify that the property is the sole property, free from bonds, mortgages and transcripts. It is important that this guarantee is mentioned in the very preliminary contract signed before paying the deposit.

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Usually those who want to buy or sell a property is for a real estate agent to act as a mediator between the market and the buyer or seller. The mediator has an obligation to inform the parties of any circumstances likely to place them in a position to evaluate the convenience and security of the economic proposal. Of course, resorting to a broker is not obligatory and you can also find direct agreements between the buyer and the owner. In each case, you must pay close attention to the various steps of the sale. What guarantees, for example, ask the mediators? In the preparatory phase is part of the deal, often, the signing of a "module" with the so-called unilateral proposal for the purchase or sale, which has the function of ensuring the agent on the seriousness of the assignment entrusted to it. On the other hand, the agent to claim compensation will be writing to the appropriate role of mediators at the Chamber of Commerce, although anyone can occasionally play a mediation. The potential buyer or seller, the property will have to be careful before you sign the 'module' that is proposed from the estate agency, verificando con attenzione l'esclusività o meno dell'incarico, la sua durata, l'importo della provvigione e le eventuali spese da rimborsare all'agenzia per le attività di pubblicità che, salvo patto contrario, possono essere richieste a prescindere dalla conclusione dell'affare. La provvigione, in genere, ammonta al 3% del prezzo della compravendita e viene corrisposta sia dall'acquirente sia dal venditore, ma ricordiamo che, per favorire la concorrenza, la Commissione antitrust ha per ora vietato tariffe minime e massime da rispettare. Tale percentuale va, dunque, concordata preventivamente e nell'ipotesi che ciò non sia stato fatto, è possibile rivolgersi alla giunta costituita presso la Camera di commercio del luogo nel quale the deal is concluded.

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Il Passaggio della Linea - film documentario

Saturday, February 23, h. 21:00
at the School of Popular Music Ivan Illich

screening of the documentary film "The Crossing the Line"
Peter Marcello.

I will discuss with the director and Marcello Anselmo, who worked on the investigative work related to the film:
Goffredo Fofi, editor of "The Stranger"
Dario Zonta, film critic
Group Investigation Plan B ".

"The passage of the line" is dedicated to Italy Espresso crossing each night, the stars of the new and little-known wave of migration south. Non-crossing point in the life stories of people who are still forced to emigrate from regions in the south, the night train is also, in the words and life story of Arturo Nicolodi - ninety Trentino that he did train his home - a chosen site, a choice of freedom.
The film is a poem night, is a journey throughout Italy made the trains crossing the peninsula from south to north and vice versa. Routes, stations, landscapes, industries, architecture, dialects and the faces blend into one body unique, offering a portrait of the country on a path that goes from night to morning, the faces of travelers is interspersed with landscapes, the noise of the machine mixes the word of man.

This film, the story of its conception and its implementation is still telling us that in Italy who, through the work of inquiry and artistic work, a critical question is on today, the important changes taking place , for the most part ignored by the public debate. We are told that there are still those who look for ways to work the political, social and artistic effective and innovative, able to provide interpretations and visions of the present time.

Admission for members. Possibility of Tessera during the evening

Popular School of Music Ivan Illich, via Giuriolo 7
Bus 27, stop at Red Barracks
Info: 051-357753 - 333.7810032

Angela Myamee Topless

Compromise - forms

COMPROMISE preliminary sales
By this deed, to be enforced in any manner or form among the best:
"________________________" ° the company based in the square _______________, ________________ No __ Sociale____________ capital, registered at the Registry of the Court of ________________ No ____________ Reg Soc, registered at the Chamber of Commerce at No. _______________ CF and PI _____________, _________________, ________________________, represented here by the CEO on the day of birth __________________ ________________________ residing for at head office, equipped with the appropriate powers under the existing bylaws, hereinafter also referred to as part of Vendor;
• The ____________________ Mr. born in the day _________________ _________________ and resident of ___________________, __________________ No way ___, ___________________, Hereinafter referred to as CF also part of the Promising Buyer;
AGREE AND IT IS AGREED AS FOLLOWS
Art.1: "___________________" The company is in the person of the managing director _____________________ obli-ga to sell to Mr. ______________________ that accepts and agrees to purchase for themselves, person, institution or company which is subject to appointed by the date the deed to the following site housing units in the municipality of ___________________ __________________ No way (__), _______:
a) the place apart-ment __________ plan, consisting of ____________________ with its wine cellar in the basement and attic, detectable NCEU of ________________, Sec. Cen. _______________, At Lot No No ____________, sheet _______, No cadastral maps __________, Assistant No ___, By ________, P. __, ____, Bays Cat A / 3, Cl. ____, RCL. _______________;
b) parking in the basement to the above mentioned match NCEU, sheet No No. ______________, with the cadastral maps __________, Assistant No ______________, _________ Via sn, P. __, _____, Mq Cat C / 6, Cl. ____, RCL. ______
Borders:
a) of the _________ ________________ floor north building unit to the map. __________ Sub. _____, __________, Away to the east elevation on south west elevation on the property ladder and step _______________, common
b) of the cellar in the basement to the north to the winery map. ___ Sub. __, On the east wall of the border crossing town on the south, West cellar in the map. __ Sub. __;
c) of the basement car park to the north to the parking map. __ Sub. __, East room to maneuver, south to the parking map. __ Sub. __, West cellar attached to real estate units to map. ____ Sub. ___ And sub. _____.
Art.2: The promise of sale is made and accepted in the body and not to size with reference to Arts. 1538 and 1539 Civil Code.
Art.3: The property is occupied by tenants sold Mr. ________________
Art.4: The parties, promised a better identification of the property for sale, also refer to the plans, with them-against-signed, that attached under the letter "A" are integral and essential part of pre-writing feels private.
Art.5: The property in question is-came to the sell-matrix with the promissory note of the Notary Dr. ____________ ______________ ____________ of ___________ on the repertoire No No ________ and the collection _________, Recorded in Bergamo at No. _____________ ________ __________ Series.
Art.6: The price of this pre-sale is agreed and accepted by the parties in Eur ______________ = (________________) over the VAT determined in accordance with the law, part of the Promising Buyer agrees to pay in the manner and in the following terms:
a) = Eur __________________ (________________) vengono versati alla firma della presente scrittura privata a titolo di caparra confirma­toria che diverrà acconto prezzo esclusivamente nel momento della sottoscrizione del contratto notarile definitivo di compravendita, di cui parte promittente venditrice con la firma della pre­sente rilascia ampia quietanza;
b) Eur. ____________________ = (________________) versati a saldo, alla stipula del rogito notarile di compravendita, in contanti o as­segno circolare.
Art.7: Il rogito notarile di compravendita verrà stipulato presso il notaio Dott. ___________________ con ufficio in _____________________ via ___________ n. __ Tel. ________ entro e non oltre il ________________ previo convo­cazione e comunque non prima dell’avvenuto o contestuale saldo del prezzo della compravendita e della cancellazione, a cura e spese di parte venditrice, di eventuali ipoteche ora iscritte sull’immobile compravenduto impegnandosi quest’ultima, fin da ora, a produrre, entro la data del rogito, gli eventuali relativi atti di cancellazione di ipoteca.
Art.8: Quanto alienato sarà trasmesso ed acquisito dalla parte promissa­ria acquirente con ogni accessione e pertinenza, con le eventuali servitù di ogni genere, sia attive che passive, anche non dichiarate, e non apparenti così come è pervenuto alla parte venditrice, nello stato di fatto e di diritto in cui attualmente si trova, con gli effetti e le garanzia disposte by law and specific guarantees about the absence of mortgages, bonds and transcripts of pre-rially.
Art.9: Delivery of property to be sold with portions of this writing will be made no later than the date of the notarial deed of sale.
Art.10: The risks, the benefits and burdens relating to the property in question, and the tri-related contributions will benefit and borne by the buyer promised to-ria from the date of the notarial deed of sale.
Art.11: The costs and fees for the deed and related techniques and employees are specifically covered by the Party Promising buyer.
Art.12: Any practices per l’ottenimento di mutui saranno a carico di parte promissaria acquirente, così come oneri, costi, inte­ressi anche di preammortamento.
Art.13: La parte promittente venditrice garantisce che l’immobile in og­getto è conforme alle norme edificatorie indicate nella concessione edilizia rilasciata dal Sindaco di ___________ in data ______________ n. __________ reg. costr. e n. ___________ prot. gen. e che successivamente non sono state rea­lizzate opere, modifiche o mutamenti che richiedessero provvedi­menti autorizzativi.
Art.14: La parte promissaria acquirente dichiara di avere i requisiti richiesti dalla nota II-bis all’art.1 della tariffa, parte prima, allegata al DPR April 26, 1986 cited by the DPR n.131 n.633 26 October 1972 at number 21 in Table A attached, which provides for the reduction in the VAT rate to 4% in the event of purchasing primary residences. Therefore, the promisee part buyer, expressly stating that the property purchased at the time of the header will be located in the municipality of residence or if different to that in which it carries out its work and which do not possess another building or portion of a building suitable for home, says it intends to take advantage of those tax breaks and so calls for the application of VAT on any invoices also facilitated the down payments. (Check the references legislation in force at the date of subscription)
Art.15: Any dispute that may arise between the parties in dependency and relationship to the pre-implementation and interpretation of this act shall be referred to the decision of three arbitrators to be appointed one for each party, the third by the two names well-born or, in case of disagreement, the President of the Court of _________, which, if necessary, appoint the arbitrator for the party that had it not done so. The arbitration will be based in Bergamo, will decide the procedure of arbitration and amicable act without formal procedures.
Done, read, confirmed and signed in ________________,
oggi lì _________________
PROMITTENTE VENDITRICE PROMISSARIA ACQUIRENTE

Ai sensi e per gli effetti degli artt. 1341-1342 del Codice Civile le parti dichiarano di aver ben ponderato, discusso ed accettato specificatamente tutte le clausole ed in particolare: gli artt. n. 3 (vendita a corpo e non a misura) e n. 4 (prezzo) nella loro totalità, l'art. n. 5 (termine di stipula del rogito notarile), l'art. n. 6 (termine di consegna degli immobili), l'art. n. 7, l’art. 8 (libertà da ipoteche), l'art. n. 9, l'art. n. 10 (decorrenza di oneri e tributi), l'art. n. 11 (spese notarili e tecniche annesse e connesse), l'art. n. 12 (costi di mutui), art. No 13 (compliance with planning), art. No 14 (tax benefits) and Article. No 15 (arbitration clause).
Promising Vendor BUYER