NLAFEC

Postal savings vouchers 4 years easy savings: premium return and tax regime

Posted on December 11, 2019

Characteristics, premium and standard return, tax regime of postal savings vouchers 4 years simple savings. 4-year postal savings bonds are securities with a maximum term of four years and can only be subscribed by persons of legal age who have activated a savings plan known as “simple savings”. Here are the main features and information on the premium rate and tax regime. Bfp 4 years simple savings 4-year postal savings bonds are securities that can only be subscribed to asRead More→

Can you calculate the real value of your debt?

Posted on December 5, 2019

Have you ever put on paper how much your debt is actually worth? Or have you never made the calculation because you don’t even know where to start? The most important thing here is that if you don’t know that value, you can’t start trying to change it. And you can’t live in debt, can you? And only from the moment you know how much you owe and for whom you owe it, will you be able to have aRead More→

Money at the bank: zero gains but the alternatives?

Posted on November 30, 2019

The entrepreneur/investor Cesare Rosati, as reported by Ansa, explained that this is the right period to invest and this also because from 2020 the Unicredit Bank will transfer the negative rates (imposed by the European Central Bank) to its customers. Obviously not all but only to those who will have deposits of money exceeding 100 thousand euro. The alternative is therefore to invest your money instead of keeping it deposited in the Bank. Depositing money in the bank is noRead More→

Current account for more than 10 years: that’s why it’s time to change it, today’s promo

Posted on October 27, 2019

Those who have had a current account for more than 10 years certainly pay more than those who have recently opened an account and it is also the Italian Central Bank that communicates it. The analysis conducted refers to the average costs incurred by current account holders during 2018. Here are the details. A current account 10 years old has higher costs The survey conducted by the Italian Central Bank shows that the costs of new current accounts are lowerRead More→

What is financial education and when is it useful?

Posted on October 23, 2019

Financial education is the activity through which it is possible to stimulate the self-determination of everyone; thanks to financial education, you can become aware of yourself and your expectations and attitudes, in order to deal effectively and successfully with all the changing circumstances and needs of life, with the dual result of achieving full personal development and being, therefore, in a position to contribute concretely to the well-being and progress of your family, your group of friends and/or colleagues and,Read More→

Light and gas free market versus protected: you save but spend more on average

Posted on October 22, 2019

The latest monitoring of the Retail 2018 market published by the Energy Authority shows that switching to the free market for electricity and gas also saves 7-10% of expenditure, but in some cases costs are higher than the protected one. The latest monitoring of the Retail 2018 market published by the Energy Authority shows that by switching to the free market of electricity and gas you can also save 7-10% of spending, especially by activating online offers. The problem isRead More→

Make the best start to 2020 by improving the management of your finances and avoiding waste

Posted on October 11, 2019

There are only a few days left in the year to come, that is to say 2020, and everyone’s objectives for the new year include improving their finances and avoiding waste. So here is the advice from Oval to get off on the right foot in 2020. Good financial intentions for 2020 Oval, the app that helps you set aside savings (automatically) thanks to the savings rules based on your habits, has provided tips for getting off to a greatRead More→

Financial education: suggestions and tools

Posted on October 10, 2019

If financial culture was a school discipline, what grade would you have on your report card? Don’t worry if, in all honesty, you would give yourself a not so brilliant evaluation: in Italy, on this subject, there is some way to go, so you are probably in good company. The knowledge of “basic” financial products and the risks associated with them, financial planning for your future and money management are, however, increasingly important skills that you need to begin toRead More→

4 ideal investments for beginners

Posted on October 10, 2019

Simply put on Google there are numerous sites with investment tips for beginners . But are the tips relevant? Are worth? All care is little, consult the sources well and distrust mainly those who offer you money quickly. Every investment takes time, along with the time you devote to each one is what will ensure the return on a prosperous future. Start investing today, you too can start from scratch and achieve a life of financial success. Good Investor HabitsRead More→

Is buying real estate to invest really a good deal?

Posted on October 7, 2019

Buying real estate for investment can be great business. However, most people interested in buying real estate for investment do not spend time researching and evaluating to learn about how to invest. And that makes them miss a great opportunity. When deciding to invest, the first decision is to choose the best investment strategy, set goals and budget, as well as the area in which you want to invest. This will help you choose which types of real estate investmentsRead More→