Wednesday, December 30, 2009

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passbook savings accounts for minors

Sembrano ormai una forma di risparmio in via di estinzione, anche se li trovo un'idea carina per avvicinare i bambini al risparmio.

Navigando su Internet, non sono molte le scelte disponibili;  quelle che ho trovato subito sono:

Intesa San Paolo

Condizioni:

Nome offerta: Zerocinque (Da zero a cinque anni)
Costo libretto: Gratuito
Tasso creditore: 1,50% lordo
Periodicità liquidazione interessi: Annuale
Invio comunicazioni di legge: Gratuito
Imposta di bollo sul libretto: A carico della banca
Limite massimo di giacenza 12.500 euro in linea capitale


- Poste Italiane
IoCresco (0-12)
Principali condizioni:
Tasso nominale annuo lordo: 1,40%
Nessuna spesa di apertura e di gestione
Regime fiscale del 27%
Esenzione dall'imposta di bollo

IoConosco(12-14)
Principali condizioni:
Tasso nominale annuo lordo: 1.40%
No fees to open and manage

27% Tax Exemption from stamp duty

IoCapisco (14-18)
nominal gross annual rate: 1.40%
No fees to open and manage

27% Tax Exemption from stamp duty


On a positive note for the benefit of Italian Post Office is not only the joint bid, but also the availability Online fact sheets, which does not provide IntesaSanpaolo.




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Let's stay close to the TFR!

Here the reasons explained by Beppe Scienza, mathematician and economist:

Happy saving everybody!

Sunday, December 27, 2009

Little Dinosaur Bubble Game Shoot

Italian mutual funds in crisis

Source: investire.aduc.it. In this article
, Alessandro Pedone emphasizes as investment funds, in the last 10 years , overall, had a lower return than the simple 12-month BOT 2.5% per year. In 10 years means almost 29% of lost productivity than the so-called risk-free rate . In
it also refers to Mediobanca's annual report on asset management, which suggests that managers 4 out of 5 are worse than the benchmark.

Moral: stay away from asset management!!

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The seven remedies to fill an empty bag

Carry one of the first post of 'The Investor' since it seems more timely than ever.

Adapted from "The Richest Man in Babylon" by George S. Clason
1) Begin to fill your bag. For every ten coins you put in your bag, not that nine estraetene for your needs. Your purse will start to fill up quickly. When the ground holding his weight will give you a nice feeling.
2) Check your cost. Take the expenditure budget in order to have the money to pay more than necessary and to gratify the desires good without spending more than nine tenths of your income.
3) Make your gold multiply. Make sure that each coin makes it so you play as the flocks in the pasture and help you to obtain the wealth that constantly feed your luck.
4) Protect your treasures from loss. Protect your treasures from loss by investing only where your capital is safe, where it can be asked if you wish, and where to gain some good interest.
5) Make sure that your home is a worthwhile investment. you own your home.
6) Make sure an annuity for the future. Provide in advance of your retirement needs and safety of your family.
7) Increase your earning potential. Cultivate your faculties, designed to acquire more skill, acting in respect of yourself.

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The Saver is back

After nearly two years of absence, is back for 'The Investor' with a series of practical post on how to save effectively.
Happy saving everybody!

Friday, November 20, 2009

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News Nov09 TRENDS

Wednesday, October 28, 2009

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Lake Constance and Ravensburg - SAB.19 DOM.20-December '09















of the deer CERINEA

Lake Constance, Ravensburg - SAB.19 DOM.20-December '09

Journey accompanied CONSTANCE lasting 2 days, Borgomanero.

SUMMARY

  • bus ride round trip from Borgomanero
  • 1NT 2 days and the hotel category 2 / 3 stars
  • HALF BOARD
  • companion

HOW TO BE DIVIDED DAILY

DAY 1 Departure from

Borgomanero the Piazzale 19/12/2009 ICOM at 5.00 and stop in Vaduz (Principality of Liechtenstein ), continue to BREGENZ ancient town situated at the western end of Lake Constance and the late arrival morning.

Visit the Christmas market - Lunch

Early afternoon departure for LINDAU town on the lake connected to the mainland by two bridges. Visit the Christmas market.

Departure for Ravensburg ancient imperial city, known worldwide for puzzles and a visit to the market.

In the evening drive to the hotel, assigning rooms, dinner and overnight.

DAY 2 Departure to

CONSTANCE beautiful, historic city on the lake at the foot of the Alps

Visit to the markets in the city center and harbor area.

Lunch. Weather permitting, and optional for a fee, you can visit the island of Mainau island of REICHENAU (UNESCO) .

start in the late afternoon and return late in the evening to Borgomanero.

QUOTE: Adulti €190,00 p/p (Bambini fino a 12 anni n.c. € 160,00)

LA QUOTA COMPRENDE:

- bus granturismo da e per Borgomanero

- accompagnatore per tutta la durata del soggiorno

- assegnazione di hotel di cat. 2/3 st.

- half board (breakfast and dinner from dinner on day of arrival and ending with breakfast on departure day)

THE FEE DOES NOT INCLUDE

- beverages, gratuities, entrance fees to monuments

- charges personal

- Anything not expressly mentioned in the fee includes

Indicative Programme, subject to confirmation at achieving minimum number of participants.

E 'are obliged to carry identity cards.

GLOBAL VILLAGE

SNC Viale Don Minzoni 9 / 11 - Borgomanero (No) 28021 Tel

0322-060260/1, fax.0322-060 111 E-mail: worldpolita@yahoo.com

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LEVICO & SPAS LAKE CALDONAZZO - DOM.29 November 12 and 13 December '09














LEVICO & SPAS LAKE CALDONAZZO - DOM.29 November '09

day tour accompanied by Levico Terme flights from Borgomanero.

SUMMARY

  • bus ride round trip from Borgomanero
  • Duration 1 day
  • LUNCH INCLUDED
  • companion

HOW TO BE DIVIDED DAILY

DAY 1 Departure from Piazzale Borgomanero on 11/29/2009 ICOM at 7.00 in late morning arrival at the magnificent Court Trap CALDONAZZO where they will show the beautiful Christmas markets.

lunch depending on the choice of participants.

Early afternoon departure for Levico Terme market in the park and the Habsburgs, who shines in the evening to be enchanted.

Partenza nel pomeriggio e rientro a Borgomanero in serata.

QUOTE: €65,00 p/p PRANZO INCLUSO - €45,00 PRANZO ESCLUSO

LA QUOTA COMPRENDE:

- bus granturismo da e per Borgomanero

- accompagnatore

- lunch included or excluded at the choice of participants according to a subscribed

THE FEE DOES NOT INCLUDE

- beverages, gratuities, entrance fees to monuments

- charges personal

- Anything not expressly mentioned in the fee includes

Indicative Programme, subject to confirmation at achieving minimum number of participants.

CERINEA the deer of the global village SNC

Viale Don Minzoni 9 / 11 - Borgomanero (No) 28021 Tel

0322-060260/1, fax.0322-060 111 E-mail: worldpolita@yahoo.com

Monday, October 26, 2009

Answers To Ap Bio Lab 4 Ward's

MARSEILLE - BUS FROM ROME BORGOMANERO




accompanied Marseille Travel duration 2gg/1nt, leaving and returning to Borgomanero. € 170






WHAT WILL 'INCLUDING
Viaggio in bus a/r da Borgomanero
1nt in hotel tipo 3st.
formula MEZZA PENSIONE
accompagnatore.

COME SARANNO RIPARTITI I GIORNI
PRIMO GIORNO
Partenza all'alba da Piazzale Icom a Borgomanero (indicativo 5.30)
The morning will be devoted to the trip, arriving at their destination in the late morning.
guided tour of the city and the first "flash" presentation.
Lunch.
Afternoon excursions to the city with a pillion and escort or driving duties with local guide speaking Italian.
Late afternoon arrival at the hotel and the allocation of rooms booked.
Dinner at the hotel.
Free time after dinner and / or walks of any group.
DAY
The Little Train of the "Good Mother"
- Basilica Notre Dame de GardeVisita accompanied the group.
Free time for sightseeing and for markets
Free lunch
back in the afternoon departure towards h.16, 00

the fee will be 'of € 170 P / P

PRICE INCLUDES
- coaches to and from Borgomanero
- escort for the duration of your stay
- allocation Double rooms at the hotel on a cat. 3 st.
- half board (breakfast and dinner from dinner on day of arrival and ending with breakfast on the day of departure)
THE FEE DOES NOT INCLUDE
- Beverages, tips, entrance fees to monuments charges personal
- Anything not expressly mentioned in the fee includes

SUPPLEMENTS AND REDUCTIONS
Camera singola € 30,00
Riduz. terzo letto bimbi fino a 12 anni n.c. -40,00€
Riduzione terzo letto adulti -25,00€

Friday, October 16, 2009

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5 -8 in December - by bus from BORGOMANERO (€ 380 P / P)


APERTE LE ISCRIZIONI PER L'EVENTO

PROGRAMMA INDICATIVO

Splendido viaggio accompagnato a Roma passando per Orvieto della durata di 4 giorni, con partenza e rientro da e per Borgomanero.


WHAT WILL 'INCLUDING
We will travel by bus to / from r Borgomanero and hotel accommodation in hotel type 3st. for 3nts;
we have the half board formula and there will be a pillion

HOW ARE DIVIDED DAILY

The first day will be dedicated to travel and will touch on a visit to Orvieto and its magnificent cathedral .
Continue to Rome and the hotel, once you are assigned rooms and "taste" of the capital with a walk (optional).

The second day will be more intense and dedicated to Christian Rome

The third day will focus on Renaissance Rome

The last day will include a stop at the catacombs on the Via Appia Antica, at the end starting to return home.

WHAT WILL 'visits
Among the things to see in Rome there will be two basic parts: the ancient Rome and Christian Rome The Renaissance So St. Peter's Basilica and the Vatican Museums possibly, the ancient city with the Capitol , Piazza Venezia, Roman Forum, Colosseum and the Arch of Constantine Fontana di Trevi, Piazza di Spagna, Trinita dei Monti, Via Condotti, Pantheon, Piazza Navona.

SHARE
is set at € 380 P / P (100 € at the confirmation and the balance in 20 days from the start)

PRICE INCLUDES
- coaches to and from Borgomanero
- escort for the duration of your stay
- allocation of hotel cat. 3 st. and half board (breakfast and dinner from dinner on day of arrival and ending with breakfast on the day of departure)

THE FEE DOES NOT INCLUDE
- Beverages, tips, entrance fees to monuments
- Charges of character Personal
- Anything not expressly mentioned in the fee includes

Saturday, October 3, 2009

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x DO NOT FORGET ...... THE FILM




This is the most mysterious photos of Italy ... Arcangioli that takes away almost happy with the bag
Paolo Borsellino .... And where the door?, And why
then brings it back a car seat where she was found without
the red diary that Paul always kept with him?? Share it
A MORE WHY CAN NOT SOMEONE HAS REPORTED AS THE OFFENSIVE!
The only offense is to our intelligence and freedom!!

Tuesday, September 29, 2009

Vodafone Prepaid Blackberry

Programs and Christmas markets

Saturday, September 26, 2009

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Thursday, September 24, 2009

Union Jack Patterned Furniture

abcviaggi - Tips for buying safe - Presentation

born abcviaggi - Tips for buying safe.
Abcviaggi tips for shopping safely is a section filmed by a travel agent and is intended for the traveling public.
Its aim is to try to overthrow the "secrets" behind a product of travel, particularly to the more prevalent: the travel package ITC.
Through a series of meetings the author tries to shed light, giving the reader a series of "tricks" to better understand the complexity of a tourism product and then be able to purchase a more mature and aware

Wednesday, September 23, 2009

Left Foot Swollen On Elderly

PADANO ROM

"Barbarossa", the film commissioned by the League on Alberto Da Giussano was filmed entirely in Romania
For the film about the hero Po Bossi hires actors rom

output in cinemas is scheduled for October 9 after a preview, Oct. 2, at Sforzesco Castle. I eagerly await the Northern League. Their leader, the Minister for Reforms Umberto Bossi, whenever it moves even just watching the trailer.

But Barbarossa, the film evokes the struggle of the Lombard communes against the German emperor, the film that recalls the legendary Alberto da Giussano, could become a boomerang for the party via Belleri. The set, in fact, was not rebuilt in Lombardy, in the glorious land of Legnano. And even thieving Rome. Worse of carers in Romania without a residence permit, the unfortunate to be sent back to their country.

Incredible. The choice is justified by issues of budget, but a few weeks after opening the former Tobacco Factory Milan Cinecittà an excuse to laugh. Anyway, it was made available thousands of volunteers that Po would be made available for free while their time to participate in any way the film. If it was not a terribly serious would even laugh appearances, warriors ready to climb on tanks to crush the stranger are all local, Romania. Better, Roma. Promoted in the field, even on the set, a heroic "Lumbard" without spot or fingerprints. Pace Bossi, Calderoli Borghezio.

seems already to see the nasty gypsies in the shoes of the beloved Milanese we paid € 400 per month per person (the "colossal" by $ 30 million is co-produced by RAI Fiction and RAI Cinema and is supported by Ministry of Heritage and Culture) advancing with white flags marked by a long red cross announcing the rescue: 900 Roma are ready to sacrifice themselves to defend against the Lombard Frederick Barbarossa. Not to be missed. One hundred and thirty minutes of terror for the League's identity.

And the deputy minister for Infrastructure Roberto Castelli, who recently he denounced as "the actors all speak with a Roman accent," is serene. Here we go further. The cast in fact was not joking. Alberto da Giussano is an accomplished actor Lombard and even a promising youth of Little, but the Israeli model Raz Degan: proud to move forward, the sword belt, leather jerkin, Lombard values \u200b\u200bin the blood, although it will be a good professional was born in Kibbutz Sde -Nehemiah. So much for the kilometer zero of the Crusades anti-pineapple, the dialect in schools, the anti kebab in town centers. More than a cast, as they write furiously in the League blog, it seems that the director Renzo Martinelli "has made a haul Cie to Lampedusa.

Barbarossa the steps that the interpreters of the Netherlands Rutger Hauer. But who knows the face of pasionaria Pontida when will scroll in the credits that the consul in Milan Gherardo Negro, is Bulgarian Radescu Vlad, or Eleanor, the beloved of Alberto da Giussano Smutniak Kasia is from Poland.

There were no actors or actresses in all of Milan? Yet just go to the website of Lombardia Film Commission, there is a link to "technical and human resources" and that's it. But the League, in search of a past as mythologizing, will then be a film that reconstructs the Milan of 1158 between the plains districts of Transylvania, Hunedoara and Alba Iulia, and studios in Bucharest? Gypsies who pretends to Po doc?

leaguers Inevitably some of those now snorting will speak only on the virtual square: say that "the emperor is naked," or that "Battleship Potemkin is a boiata crazy", and will be flooded with "ninety-two minutes of applause."


Regardless of any political discourse, should give pause to the testimony of the director Renzo Martinelli

" Here I can afford a crew of 130 people, only 15 Italians, foremen. Here ho a disposizione migliaia di comparse, cavalli e stuntman a bizzeffe. Un macchinista in Italia costa 1500 euro al giorno, qui 300. Da noi dopo nove ore scatta lo straordinario, qui non esistono limiti d’orario. Per la manovalanza si usa lo “zingarume rumeno” a 400, 500 euro la settimana

Tuesday, September 22, 2009

Best Track And Field Back Packs

24/10 Volterragusto AND THE CHESTNUT FESTIVAL

Volterragusto AND THE CHESTNUT FESTIVAL Euro 155,00 p / p

1 DAY

----------------

Departure from Piazzale Borgomanero to h.5 Icom Saturday, 24/10, 00

Morning arrival in Volterra jewel of Etruscan, Roman,

Medieval and Renaissance.

Visit Volterragusto of excellence throughout the food and wine event, featuring the local white truffles and other typical products of the Val di Cecina.

free lunch.

dinner and overnight stay in Volterra.

2 DAY

-----------------

Breakfast in the hotel and departure to San Gimignano and visit the ancient city from the medieval past, bright, famous for its towers.

Continue to Palaia, a small village where the Sunday is held in the Chestnut and local products. FREE LUNCH. Check out the return in the afternoon.

The price includes:

v bus trip GT

v overnight and breakfast at the hotel

v dinner

v accompanied by Borgomanero

Not included:

v meals, beverages, gratuities

v Personal expenses

v anything not specifically mentioned in "Price includes"

of the deer CERINEA global village - V.le D. Minzoni 11, Borgomanero 0322-060260/1 www.il-village globale.com-


Thursday, May 21, 2009

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SOME 'OF HUMOR

FACEBOOK DI BENEDETTO XVI

Tuesday, April 7, 2009

Audio Review A/v Receivers Mid Price



POVERA PATRIA



Il terremoto continua a colpire l’Abruzzo. Ha fatto gia' crollare case vecchie e recenti, tutte costruite senza criteri antisismici.Nel momento in cui scrivo le persone decedute sono circa Vespa 230 and the jackals on RAI 1 on Channel 5 are gnawed and win the privacy and dignity of thousands of displaced people, who pay the bill to a policy unable to enforce the rules, inappropriate to apply rules to prevent disasters like what happened in a land known earthquake (Italy Apennines) and tested by previous events such as the Irpinia earthquake, which was even higher magnitude of the earthquake Aquila in recent days.
That lifeless body that comes out from the rubble in the picture, I will remember this as a symbol of Italy and finished with no hope of ripresa.Le my condolences to the bereaved families affected by this earthquake.

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EMERGENZA SCIACALLI IN ABRUZZO


Lo sciacallo in volo vigila dall’alto le case sventrate dell’Aquila e sogna l’occasione perduta di appaltare la loro ricostruzione alla sua Edilnord per chiamata diretta.Lo sciacallo accorre là dove stazionano microfoni e telecamere. Fa il brillante ma il suo lifting tradisce un savoir faire stantio e patetico. Le movenze dello sciacallo rivelano noia. Per nasconderla ricorre ai soliti, banali annunci da bar sport che non fanno ridere, ma nemmeno piangere perché agli aquilani non sono rimaste più nemmeno le lacrime. Gli stessi che lo sciacallo invita ad andare al mare a spese dello Stato con le loro masserizie, come fossero vu cumprà. Ma siccome non ci sono i soldi anche questa battuta si rivela una flaccida cilecca.
Il mondo si adopera per aiutare gli aquilani, ma lo sciacallo non impiega nemmeno un centesimo dei suoi milioni di euro esentasse, nascosti nei paradisi fiscali al sicuro dai processi. Lo sciacallo fa il piacione dicendo che l’Italia ha chiesto all’Europa l’accesso al fondo per le catastrofi naturali. Ma fa una figura meschina lo sciacallo, muto sulla catastrofe degli 8 miliardi di euro annui di fondi europei, finiti nelle tasche dei predatori del sottobosco della politica e della criminalità organizzata, complice dei palazzinari romani.
Mentre le case dell’Aquila come down like sand castles at every shake of the earth, the jackal parroting that there are funds for the bridge over the Messina Strait. But are not there. Just as there will be no killing of the deputy treasurer of his abusive villa, built on the Sicilian side of the intended pier.
The jackal is the specter of himself. The homeless are consumers to eat until the last vote. His scene as a conductor (or conducator) at the press conference was used to mimic the studies of Who Wants to Be a Millionaire, with the detail that the questions in this case, the jackal has not accettate.Lo Bertolaso \u200b\u200bjackal has a hero who revealing a glimmer of dignity, ashamed.
Meanwhile, another day to forget is gone. The earthquake is wonderful opportunity for the jackal to make propaganda and marketing of its government puppets engaged in the applause.
L'Aquila is disfigured, his most famous basilica collapsed along with the dome and its fragile economy, which could make tourism a historical treasure. The dome of the Jackal, however, still stands, thanks to the lift that the skit was heartened. The televisions have spread, at this Arcore will already be thinking about how to pass the law on wiretapping bullshit. Earthquake that will topple the last remnant of democracy in this poor Italy.

Wednesday, March 4, 2009

Trane Cleaneffects Blog

PLANNED RACIAL HATRED

.......... RACISM AND SUBMISSION OF THE 3rd WORLD COUNTRY ITALY

"Matrix" sends a crew to produce a Roma Romanians in Italy. The journalist Mimmo Lombezzi interview leaders of EveryOne Group (a group that deals with human rights based in Naples) and some Roma victims of racist beatings. The result is an authentic picture of the condition of Roma in Italy. Two hours after the broadcast, scheduled for today, February 24, 2009, however, is censored and not the special will air: the wave of racist too evident in Italy with Roma and courageous witness of the cameras come hidden in the settlements: not the usual fields that appear in all services, with the control of the authorities, but the truth. And 'yet another episode of censorship carried out against the EveryOne Group, have already "banned" from the show "the Two Together" and the transmissions RAI and Mediaset in general. The seven had already annulled a transmission with the Everyone Group devoted to the case controindagini Ponticelli. But this complaint from the Matrix is \u200b\u200bthe most symptomatic of the fact that we live in a real system. "E 'come A very well done and interesting," said Mimmo Lombezzi, "we hope that we pass it, because I trust in Vinci, who comes from CNN." But no. A beautiful service, attention to detail, with many previously unpublished cases of violence and abuse of Roma and poignant evidence of life and protect the integrity of families has been sacrificed to political xenophobic and racist propaganda that "must" continue. Meanwhile, violence against the Roma one after another. Today, near Forli, Roma boy beaten by police. The pressure is terrible and the Everyone group does not help them this inertia of the personalities and political forces which by their nature have to deal with human rights.

Tuesday, January 20, 2009

The Taker Denudas .com

"ITALIAN'S" THE NO FEE


"Even today I think a large part of Italians - right, left or center - would be living in fascism as inside their own skin. Maybe in a less choreographed fascism, with fewer rituals, with less words, but fascism. A regime that does not give them the desire to think, to evaluate and choose. "


Leonardo Sciascia