Sunday, December 14, 2008

Canadian Scooter Corp

Lehman Brothers


estimated at about a thousand savers Brianza involved in the bankruptcy of Lehman Brothers . The national leadership of our association with Codacons and Consumer Movement, presented before the Court of Milan, a writ of summons on behalf of thirty investors, which had been sold bonds in the U.S. banking giant. We call for a finding of responsibility rating agency Standard & Poor's , guilty of spreading false information and publicity on the solvency of American society.
are some cases of investors who are dealing with here at the counter of the Federation Brianzola di Confconsumatori e comprendono sia l'acquisto di obbligazioni che la sottoscrizione di polizze vita tipo Index Linked .
Nel caso della compravendita di obbligazioni, o più in generale di Titoli finanziari, l'intermediario autorizzato ad operare, deve adempiere ad alcuni obblighi previsti dagli articoli del D.L.vo 58/1998 (il cosiddetto TUF: Testo Unico della Finanza) e dai regolamenti attuativi emanati: tra cui la stipula del contratto di compravendita in forma scritta, pena la nullità . Il primo passo da compiere nella direzione di tutela degl'interessi dei nostri associati, è la richiesta, alla Banca o ad altro intermediario, della documentazione prevista dalla normativa, in mancanza della quale la compravendita dei titoli deve considerarsi annullabile, con la conseguente restituzione del capitale investito e degli interessi legali maturati.
Le polizze vita tipo Index Linked , sono particolari strumenti finanziari ad alto rischio per il piccolo risparmiatore. Le tipologie sono piuttosto variegate, in funzione dell'impresa assicuratrice che le propone. In sintesi il meccanismo può semplificarsi così: la società formula un contratto di polizza vita di durata media decennale (ciascun tipo avrà le sue specificità), in cui s'impegna, a scadenza alla fornitura delle prestazioni concordate: restituzione del capitale investito, più la capitalizzazione di cedole di ammontare calcolato sulla performance registrata da alcuni titoli azionari. Il premio versato dal contraente, rappresenta per la società la riserva matematica tecnica (ciò che viene accantonato dall'impresa per adempiere agli obblighi contrattuali), che deve investire, come previsto dall'art.30 comma 2 D.L.vo 174/1995, in quote di titoli affidabili. In questo caso molte imprese assicuratrici hanno convertito le loro riserve (=premio versato) in obbligazioni Lehman Brothers e poiché il rischio è interamente a carico del contraente, le società infatti non garantiscono sulla solvibilità degli emittenti, il loro fallimento danneggia solo gli assicurati. Invero, le più note imprese assicuratrici operanti in questo mercato: Mediolanum, Unipol, Generali, Unicredit ..., hanno announced plans to re-negotiation of policies with the underlying bonds indicted, it seems a positive solution on the horizon for these investors-insured victims of the crack U.S..

Sunday, November 16, 2008

Homemade Pontoon Raft

Forum Brianza


The Third Forum of Brianza, organized by Brianza Development Agency (for the production quality and social territory) and promoted by the Assembly of Mayors of the Province of Monza and Brianza is was held October 10, 2008 in Villa Gallarati Scotti in Oreno of Vimercate. The title of this year: The enterprising Brianza, people, ideas, relationships, values \u200b\u200bfor local development. Its performance is stato preceduto da alcuni incontri preparatori.
I meeting plenario
Flavio Sangalli (a.d. Sviluppo Brianza) : per lo sviluppo locale sono importanti i fattori immateriali, la valorizzazione del capitale intellettuale usando le 4 leve: persone, idee, relazioni, valori. Il lavoro su di esse può aumentare l'intraprendendenza (prendere l'iniziativa) che è un fattore fondamentale per la crescita del territorio se declinata nei temi dell'impresa, del lavoro, della pubblica amministrazione e della società civile: dalla rendita al valore aggiunto, dalla burocrazia al valore creato. Le condizioni perché questo avvenga: logica oriented organization of its users and efficient management.
thematic area businesses and workers. Serafino Negrelli (Coordinator of the Degree Course in Sciences of the Organization of the University of Milan Bicocca, Monza site): enterprise and enterprising work, by knowing how to know to be, there can be no enterprise investment in human capital, in 'education. Entrepreneurship must adopt a new attitude Shumpteriano, introduce innovation, have a global outlook, network (enterprise "horizontal"), investing in social capital increase the content knowledge, quality of work, so choose a more strategic Resources human. The enterprising work takes place in transition from work to the executive production of the self, with the implementation of skill s social work in groups, occur in the workplace. Collective actors (business associations and trade unions) will show if they recognize the role of the enterprising people over their duties.
Focus Area government. Dario Cavenago (Professor of Business Administration and Management University of Milano-Bicocca) raise human capital and economic vision in the management of services.
Focus Area civil society. Michele Di Francesco (Dean of Facoltà di Filosofia Università Vita-Salute San Raffaele): necessità di un pensiero concreto, formare i giovani perché siano in grado di sviluppare il futuro che sarà profondamente diverso dal passato verso l'evoluzione a Homo faber . Nella società della conoscenza, l'innovazione inizia sul materiale teorico e si propaga su quello pratico, integrando gli studi più classici con le discipline scientifiche.
IV meeting Società civile intraprendente ( quadro sinottico delle proposte )
Persone, idee, innovazione non solo tecnologica ma anche nei servizi pubblici e privati. Collaborazione intraprendente tra settore pubblico e società civile, integrazione tra pubblico, private and social support to start-up of social enterprises. Generate reports: stronger by the inclusion in the network, network system of the third sector. Inspiring values \u200b\u200bthat characterize the act on the territory: to meet the demands of the community by improving the efficiency of business processes without wasting resources. The contribution of the academic institution with training and dissemination of knowledge. Involvement of young people in the exercise of responsibility towards the environment, consumerism, disability, who are active citizens. More value in multicultural reality.
Forum ( materials presented )
Serafino Negrelli The company and enterprising work
The revival of entrepreneurship in business and work in Brianza starts from the recognition of the distinctive features and problems. Company Profile: widespread economic capacity of initiative (an entrepreneur out of 10 inhabitants), the identity of production and manufacturing, poles, districts outsourcing specialist, orientation to international markets, social entrepreneurship and associations of municipalities that contribute to local governance in support of productive activities. Criticality: a question of size (actually micro enterprises), the management culture (family capitalism), its investments in research and development (needs support) human capital formation, the ability to compete in global markets ( global player local games ). Proposals: the culture of knowing how to do that knowing how to be entrepreneurs in the global marketplace, the ability to develop an organizational culture and management firm, medium-sized enterprises should be supported by encouraging networks and aggregation. The implementation of this coordination requires the identification of leading actors who constitute the control room. The credit must be allocated to the real economy and less on financial speculation.
Distinctive features of the work: good functioning of the internal and external to the company, limited unemployment, high stability, lower degree of uncertainty with respect to Milan, collective bargaining pragmatic, with good industrial relations and respect for roles, 8% of the workforce is immigrant. Problems: the "vicious circle" of low quality of human capital: micro family businesses do not know how to employ qualified personnel (graduates), households have little incentive to the education of children with a consequent shortage of knowledge workers and reduced cognitive and social skills. This is a big problem for a local context of high labor costs that can not face competition in China. Women have limited participation than in the reality of other countries. The first signs of crisis are increasing layoffs and mobility. Proposals: stop the "vicious circle" speaking: with incentives for the recruitment of graduates, with the use of internships, apprenticeships technician (examples of Trento and Brescia) in addition to the creation of other instruments and institutions to reconcile the time of life with that of work. Dario
Cavenago The resourcefulness of the local Public Administration
a government becomes proactive in the network, the functions, aims and objectives are constrained by resources and the needs of citizens who give us the contact with reality. The public system encourages all those enterprising ways of producing services that are useful and close to the citizens. Maintain high service orientation, revitalize the human capital by increasing social skills and creative, to invest in the vehicles of information, broaden perspectives and skills by focusing on the activities of government rather than production altogether. The working model of the new province of MB can be designed according to a logic network, which has two configurations corresponding to the two metaphors: the spider, who dies if cut off the heads and the starfish that is alive in each and every point is able to react and address the needs posed by citizens. Continue the experience of local knowledge and invest in mechanisms for its dissemination.
Michele Di Francesco Engaging civil society
Understanding of change: multiculturalism and globalization, by analogy with the identity
of a living body changing, see how it evolves. Proposals: Create a network also cultural integration of resources, community events. Start the car awareness, a positive individual, pro-active instead of un atteggiamento reattivo: anticipare gli stimoli e non solo reagire al loro verificarsi. Le giovani generazioni devono essere considerate una risorsa ed educate seguendo un nuovo e diverso processo educativo, senza ignorare la rivoluzione digitale che lo colloca fuori dalla famiglia e dalla scuola. Bisogna formare gli educatori tenendo presenti queste nuove logiche che abbattono anche le barriere geografiche e colmare il digital- gap generazionale. Si dovrebbero studiare le specificità di genere per individuarne il ruolo. L'associazionismo è considerato una società di mezzo è intraprendente nella misura in cui preserva la propria identità ma è anche pronto a cambiare per adeguarsi alle sfide del presente: digitalizzazione come base dello sviluppo locale, il potere dei consumatori per indirizzare il progresso verso logiche di sostenibilità (ndr), il mondo della disabilità, dell'assistenza e dell'accoglienza. La produzione di conoscenza è un processo collettivo, rapporto bidirezionale tra virtualità del sapere e vita reale.

Thursday, October 9, 2008

How Much Is Gold Dubai

Eni active online mediation


Il 24 luglio scorso Eni ha invitato i rappresentanti delle Associazioni dei Consumatori allo Starhotel Anderson in piazza Luigi di Savoia, per presentare: l'attivazione di un protocollo di conciliazione con le associazioni e la sua offerta Dual per la fornitura di gas ed elettricità destinata agli utenti del mercato libero. Leggi il report .
La conciliazione on-line
Seguendo le orme di altri grandi operatori del mercato energetico come Enel, Eni riconosce l'importante contributo mediativo svolto dalle Associazioni di Consumatori e Utenti nella gestione delle controversie con i propri clienti e vuole formalizzare un'apposita procedura conciliativa: è ancora in fase di test e sarà adottata in via sperimentale per i soli clienti gas del mercato domestico nella Regione Veneto, per un anno dal prossimo gennaio, così come annunciato lo scorso 2 ottobre dall'AD Paolo Scaroni. Sebbene rappresenti un'utile servizio che le Associazioni dei Consumatori potranno fornire ai loro associati clienti Eni, la nota compagnia ricaverà sicuramente un significant reduction of the management of complaints, which in the first instance be referred to cover operators of the Associations, which provide, in large measure, its free service.
Offer Dual Gas & Power
the bid, was preceded by a useful introduction training curated by Lorenzo Dondi, we set out the elements that contribute to the pricing of gas and 'electricity: the energy component, which market participants apply prorpio rates and all the components that pay fixed costs such as the use of infrastructure, transportation, storage, etc. ... set by others. The liberalization of the sale of gas, which occurred on I January 2003 and July 2007 I started on electricity, has introduced new legislation and the creation of protected market where rates are set quarterly Authority for Electricity and Gas ( Authority ). profit brochure Energy simple published AEEG is the tool necessary circulation to those wishing to navigate the news.
Eni offers to consumers who decide to apply to the free market, for electricity, offers one hour free per day, apply a discount of 4.17% to the price fixed by the energy component for the entire contract term and price of course: the production is from renewable sources and the rate is stable for two years with a further decrease in the second year. For gas: Price of course: similar to that provided for the electricity and the price adjusted for market users protected.
The package allows dual combinations with the deals, to have a single source for energy supply.

Thursday, September 11, 2008

Reviews Of Pinalen, Pine Sol

Case Life ... ahem! Promoting Well-being: we self censor


To avoid tedious menature of nougat (defense costs), are other and more important chores that we are busy and towards which we prefer to divert our limited resources, after which the injunction here verbatim including typos:
"Dear conf consumers
we hereby give notice to immediately close the blob on lifenergy .
If what 'is not made within 48 hours of this we will be forced to sue for defamation and the data protection commissioner for violating the privacy of dimensioned .
In addition, the brand
lifenergy and society 'are suffering serious damage from your publications, which will be held responsible.
Lifenergy srl has never signed contracts with no gym subscriptions. The customer contracts to which you make yourselves right promoters have been signed with other companies'.
content of the blog and may undermine the privacy of those are false.
lifenergy srl "
and pleasant? Phone calls, we self censor replacing the offending section of the post, that of August 10 entitled" The If Lifenergy " gym with a bad joke.

Monday, August 25, 2008

Are Intrawest Properties A Good Investment

Vodafone and Tim remodeling rates


Vodafone and Tim to stakeholders at the customers, SMS informing them that the coming changes in their plans. In accordance with the provisions of legislative decree n.259/03 (Electronic Communications Code) art. 70 paragraph 4 " Subscribers the right to terminate the contract without penalty upon notice of proposed amendments to the contract terms. Subscribers sono informati con adeguato preavviso, non inferiore a un mese, di tali eventuali modifiche e sono informati nel contempo del loro diritto di recedere dal contratto, senza penali, qualora non accettino le nuove condizioni. ", le variazioni avranno effetto dal prossimo I ottobre per i clienti Vodafone e dal 9 settembre per gli utenti Tim . Ne ha dato notizia anche il Tg 1 (19 agosto 2008).
I clienti, come giustamente indicato nel servizio, hanno alcune opzioni tra cui scegliere: mantenere invariato il proprio profilo tariffario ed accettare le variazioni annunciate, recedere dal agreement and cease providing the service, change the rate plan and keep the same operator, or changing it by choosing from the available offers of other operators and evaluating the course most convenient for your needs. I
( Raul Clumsy) are customer Tim and I have a fee (One with super car charger) not for sale subject to the amendments discussed, I will assess the migration to the new Easy Tim although it will count for units in advance and not the actual seconds of conversation as the previous year.
We feel our power to consumers vote, express yourself with survey.

Sunday, August 10, 2008

Wrapping Paper Rolls Storage

The case Lifenergy


Brianzola The territory is the scene of a story from the penal consequences. The club teaches at Lifenergy Monza and Muggiò have ceased their activities suddenly and unexpectedly at the end of June 2008 the Monza and 8 July 2008 muggiorese . A thousand would be the consumer-subscribers involved. The issue has also affected consumer protection associations active in the area, to which subscribers, customers have turned for assistance. Many have told us that during the period imminent closure, were enticed with discounts, promotions, offers the renewal that would last for a few cases, up to 2010. Some, to pay for it also operates a loan from the financial companies recommended by the owners: the Santander . Great astonishment and dismay to learn the news of closure and the consequent spread among consumers, the feeling of being the victim of a scam.
Companies
With an easy title search request to the Chamber of Commerce will discover who are the shareholders of the company ssd Wellness Promotion Ltd, the owner of the club 2 Brianza and another to Gavirate (Va), which appears to have followed the same path of ours, to teach Lifenergy . The limited liability company is formed by two partners and owners: Alessandro Roberti and Tessarolo Anna Maria, the share capital is € 10,000 (in 9900 the share Roberti and 100 to Tessarolo who is also the sole director), June 16, 2008, Roberti sold its stake to a trust company: Carini.
The bad joke (this dear reader joke replaces a section of the post censored): Gym. The instructor explains to the newcomer, severely overweight, and
as' the work program, such as exercises, tools, etc.
. Then, lifting his shirt adhere totally , showed him his perfect abs and
says: "See this? ... It 's the turtle." The
fat also raises his shirt and says, "That 's my
turtle: and' turn back." The Committee

Saturday, July 26, 2008, we have promoted, established and organized as the Committee Lifenergy "defending the rights of subscribers Lifenergy -Promotion Pool (in the right column on the right button to subscribe to newsgroups and be abreast of the story and more), legally supported by our lawyer Paul Sorlini that has already advised the members to make a formal lawsuit against the owners of Health Promotion. The news of crime has already been registered in the general RGNR No. 10403/08 of the Public Prosecutor at the Court of Monza and PM is Dr. Salvadori .

Saturday, August 9, 2008

I Am 24 Years Old And Still Have Pimpels

About


The Federation of Monza and Brianza Confconsumatori (national association for the information and the protection of consumers and users, adhering to CNCU ) began his work as a door towards the end of 2006, cooperate with counterparts in other provincial federations operating in region and All are coordinated by the Federation Lombarda. Since July 2008 I have moved the headquarters in Via Correggio , 59 at the House of Volunteers of Monza, the previous via Magenta, 4. Here consumers can receive information and assistance on various topics: banks, post offices, mortgage, and saving money, contracts and unfair terms, guarantee and right of withdrawal, information and media, telephone and Internet privacy ... and much more on their consumer rights.