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Shareholders' Meeting 2010

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January 9 2010: Refresher Course marshals' cat. Combat "
Location: Water Acetosa
Start over 9.00
Cost: Free
The membership must be sent to the email address of the writer
Committee by January 4, 2010.

January 9 to 10: Officials Training Course "cat. Combat "
Location: Water Course starts 9:00 am Acetosa

cost € 50 more by postal.
The signatures must be received by January 4, 2010

January 16: Preliminary Course exams black belt
Location: Water course beginning Acetosa
9.00
The signatures must be received by January 10, 2010
always via e-mail.

January 17: Black Belt Exams
Location: Home Water Acetosa
examinations for 9.00 I - II and III Poom
Top examinations for 11.00 I - II and III Dan
Cost: € 80 for I - II Poom and I - II Dan
€ 100 for III and III Poom Dan
The postal order must be paid no later than December 31, 2009.
The membership must be received by January 10, 2010 e-mail address



January 24: Regional Championship CADETS A - B
Belts: Yellow Green Blue / Red / Black
Location: Bolsena
Address: Sports Hall Street Cassia snc (loc. Morone)
Competitions begin at 9.00
Price: 10 €
The signatures must be received by email no later than 15 January 2010

weigh
January 23, 2010 Location: Bolsena, Via Cassia Sports Hall from 16.00 to 18.00
Rome Water acetate 16.00 to 18.00 "FITA Fitness"
Pontinia Piazza Pio VI (Anna S. Side Church) from 16.00 to 18.00

February 28: JUNIOR CHAMPIONSHIP REGONALE A - B
Belts: Yellow Green Blue / Red
Luogo:Bolsena
Indirizzo: Palazzetto dello Sport Via Cassia snc (loc. Morone)
Inizio gara ore 9,00
Costo 10 euro
Le adesioni dovranno pervenire all'indirizzo di posta elettronica entro il 20
febbraio 2010.
Operazioni di peso 27 febbraio 2010
Luogo: Bolsena Via Cassia Palazzetto dello Sport dalle 16,00 alle 18,00
Roma Acqua Acetosa dalle 16,00 alle 18,00
Pontinia Piazza Pio VI (fianco Chiesa S. Anna) dalle 16,00 alle 18,00.

nb: the e-mail the writer's committee is: fita_lazio@libero.it



Hoping to please send you best regards and take this opportunity to wish you Happy Holidays.



THE PRESIDENT OF THE REGIONAL
Dr. Maxime Campo

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Award winners The edition Custòdero

Pino Pace , Piedmont writer, won I Prize literary Marco Custòdero Unpublished by the green to the Langhe , organized by the Biblioteca Comunale di Montalto Pavese. His story, Silk war a, was selected from more than 120 texts from throughout Italy and abroad. The jury stressed the quality of the texts that have prevented the final choice made even more difficult. The story of Pine Peace, however, has distinguished himself both for his excellent narrative structure, but also for the presence of a formal research that aims to innovation and a linguistic stylistic originality, constantly able to mediate between news and fiction. The second prize was won by a young author Pavia, Gloria Ghioni with and lead the rest , a story capable of staging and give structure to a large gallery of characters, although respecting the short and synthesis required. The third saw an ex aequo , with The night of the party of Modena Patricia Bartoli and The single teacher of Maria Natalia Iiriti , teacher of Bova Marina. If Patricia Bartoli was able to write an essay engaging with a surprise ending, Mary Iiriti created its intertwined history with the experience of Cesare Pavese in a school in Calabria. The jury also reserved a special mention to young Adele Di Giovanni, 16, for the story So I tried the art of love . The Mayor of Montalto, Marina Casarini, has also welcomed the Mayor of Piossasco, Roberto Avola Faraci, who wanted to bring the greetings of his city. The awards were presented by Salvatore Custòdero, Marco's father, who recalled how important it is to allow unknown or little known authors to introduce their own works, especially if the level as those received on this occasion. In fact, the organizers and the family Custòdero are already planning the publication of a volume which brings together the winners and a selection of those deemed best.

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Marco Prize WINNERS

Ieri 18 novembre si è riunita la giuria per proclamare i vincitori della I edizione del Premio di narrativa Marco Custòdero.

Sono stati valutati oltre 120 testi, provenienti da ogni parte d'Italia e anche dall'estero. La giuria ha voluto sottolineare l"elevata qualità" degli elaborati pervenuti e ha proposto un'eventuale pubblicazione delle opere ritenute migliori. La famiglia Custòdero ringrazia sin d'ora quanti hanno partecipato a questa iniziativa e rinnova l'invito per la prossima edizione.

Vincitori del Premio Marco Custòdero - I Edizione

1. "Silk of war" - Author: Pino Pace

2. "And lead all the rest" - Author: Gloria Maria Ghio

3. Ex-aequo

"The night of the party" - Author: Patricia Bartoli

"The master only" - Author: Maria Natalia Iiriti

The texts were selected anonymously and without any indication of the names of the authors.

After the announcement of the winners, the jury and the family Custòdero wanted to give special recognition to the works of authors under 20, among them deserved a special mention

"And so I tried the art of love!" - Author: Adele Di Giovanni

jurors:

Chair: Pierangela Fiorani, director of the "Provincia Pavese"

Giuseppe Polimeni, University of Pavia, Department of Science and Art of Medieval and Modern Literature.

Andrea Borghi, professor of letters from high school, a literary critic.

Custòdero Alberto, a journalist for La Repubblica and Paul Custòdero, representing the family of Marco Custòdero.

The award ceremony will be held Sunday, November 22 at 15:00 at the Palace Stables Cristina. La cronaca della giornata e le motivazioni dei premi assegnati saranno pubblicate su questo sito a partire da lunedì.

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The manifesto of the lectures - Vers 1.0

University Reform does not come for decades. It's time to take action, immediately and without affecting the budgets of universities.

The poster is a pact between students and teachers to improve the functioning and learning using new technologies.

knowledge change and transform real-time tools are immediate, economic and social.

This event is open to discussion and improvement.

I docenti che lo sottoscrivono si impegnano a rispettare le regole e a diffondere il manifesto stesso.

Gli studenti hanno il compito di verificare, diffondere e far applicare il manifesto.

1. Lo studente è al centro dell’università. Ogni progetto, ogni azione devono essere orientat i al raggiungimento dell’obiettivo fondamentale: dare e ricevere conoscenza e costruire competenze.

2. Le lezioni devono essere stimolanti, interessanti, utili. I contenuti delle lezioni, i materiali, i testi devono essere aggiornati e costituire lo stato dell’arte della disciplina stessa.

3. The university must ensure free and efficient access to the Internet.

4. The new learning technologies should be used in intensive form. It is for the teacher to identify the best ways of teaching and spreading knowledge.

5. The increases do not know if it is not shared. Should be used all the tools available to promote such practices.

6. Training materials and study must be free and distributed through free tools and free. Teachers will provide students slides, texts, videos and podcasts in modalità Creative Commons.

7. I software e gli ambienti utilizzati dovranno privilegiare i prodotti rilasciati in modalità Open source

8. Priority should be given cooperative learning through the use of social tools.

9. The lessons will take place through the continuous interaction of the students directly during lezione e attraverso blog o altre forme di comunicazione digitale.

10. L’università non è un luogo chiuso ma deve aprirsi all’esterno, deve permettere la contaminazione tra diverse realtà , il legame con il territorio dovrà essere forte e così pure lo scambio con altre università e with other environments: the university orientation to the world of work.

11. Teachers should provide the tools for continuous evaluation, anonymity and constant quality of education, to publicize the results and implement continuous improvement actions.

References:

Blog: universita-che-vorrei.blogspot.com ( www.webcode.tv/80236 )

Facebook: http://www.facebook.com/group.php?gid=168985778463 ( www.webcode.tv/80237 )

:====== Nota per i redattori ============================

□ Each time you change, you need to add the decimal version. The whole number is used to complete the revisions.

□ You need to add below your name and surname "This document was produced with the help of Maurizio Galluzzo, Emilia Peatini, ... ... ... .... "

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The University that I would - on Facebook I would

Subscribe now to the group on Facebook .

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University - Netiquette

The netiquette, or etiquette for behavior on the Net, is that set of rules useful to participate in digital projects for community, forum, chat, user generated content. Even "The university that I would" suggest a netiquette, please respect that a good civil society of all participants.

The systematic violation of one or more of these tips will lead to censorship of the interventions (ideas, comments) are sent or, in severe cases, the cancellation of the registered user.
For further information please contact us here.

To understand the level of assistance and not be out of place, it is useful to read the messages already posted: this way we become aware of the topic and the method by which he is treated in the community. If you send an intervention, it is good that it is concise, clear and direct in describing the concept. Do not repeat itself, does not dwell, do not use technical language. It is a widespread temptation to repeat lo stesso concetto, o mandare "raffiche" di interventi. Prima di "inondare" un’area di discussione, meglio sempre chiedersi: "Ma davvero gli altri troveranno interessante quello che dico"?

Non usare i caratteri tutti in maiuscolo nel titolo o nel testo dei tuoi messaggi, nella rete questo comportamento equivale ad "urlare" ed è altamente disdicevole.

Non divagare rispetto all'argomento; anche se talvolta questo comportamento è accettato o almeno tollerato aggiungendo il tag [OT] (cioè Off Topic che significa "fuori argomento") nell'oggetto del proprio messaggio, non deve essere considerato una regola.

Se si commenta un’idea, evidenziare se strettamente necessario the relevant passages of the original, in order to facilitate understanding by those who have not read it, but do not put any systematically the entire original message.

Sometimes you read something that bothers us, but it is better to react before you think about it. We are sure that is an attack? It's a real controversy or is this a joke? It is a simple mistake or intentional? We understand the habits, customs, the language of "place"? We should respond immediately or wait a while to see if someone else involved? The best response may be silence, or a private message? Many flame will trigger a misunderstanding, and once la "fiamma" della polemica è accesa diventa difficile spegnerla. Meglio pensarci prima.

Sono da evitare le flame, cioè quei dissensi personali che in rete possono trasformarsi in "fiammate" incontrollabili. È meglio non portare mai in un’area pubblica un dibattito privato, specialmente se polemico. Non pubblicare messaggi privi di contenuto utile a chiunque legga o che semplicemente prendono le parti dell'uno o dell'altro fra i contendenti in una discussione.

Non essere intolleranti con chi commette errori sintattici o grammaticali. Chi scrive è comunque tenuto a migliorare il proprio linguaggio in modo da risultare comprensibile alla collettività.

Qualunque post contentente insulti, parole improper or discriminatory against ideas, sex, race, religion, expressed by other users will be immediately removed and the author will be prohibited from access to the community. Based on and adapted

Journal of Internet etiquette and comment Giancarlo Livraghi

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Sunday, November 22 15:00 PM

Il 30 ottobre è scaduto il termine per l'invio dei testi. Il comitato organizzativo del premio e la famiglia Custòdero ringraziano sin d'ora quanti hanno voluto partecipare all'iniziativa.
Come indicato nel bando, la giuria si riunirà per la votazione il 18 novembre. I vincitori saranno avvertiti personalmente e i loro nominativi - come quelli dei componenti della giuria - saranno immediatamente pubblicati sul sito.
La premiazione si terrà domenica 22 novembre at 15.00 in Montalto Pavese at the stables of Cristina Palace in the presence of the jury and the family Custòdero.

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Regional Championships Forms



November 29, 2009 PLACE OF RACE: Sports Hall Pontinia, Via Aldo Moro, Loc PEEP

S announced that the day 29/11 / 2009 at the Sports Hall
Pontinia will be held the "Regional Championships Forme" reserved for all age groups
and all grades.

Entries must be received by email (fita_lazio@libero.it)
later on 21/11/2009.
The receipt of payment of € 10 on cc n ° 82660044 made out to FITA Lazio Regional Committee will be presented on race day.

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Partecipiamo all'evento con banchetto espositivo e tra i relatori della conferenza del Venerdì.

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Courses

26/09/2009:
Training Course Officials Forms
Refresher Course Officials Forms
Location: Water Acetosa from 9.00 to 17.00 FITA Fitness

Entries must be received at e-mail the writer Committee by 21/09/2009. (Fita_lazio@libero.it)
free ride.


27/09/2009: Preliminary Course
Technical Teachers Qualification
Coach, Instructor, Master
Location: Water Acetosa from 9.00 to 17.00 FITA Fitness.

Entries must be sent to the email address of the writer Committee by 21/09/2009. (Fita_lazio@libero.it)
Also note that the cost of the preliminary course is € 30.00 payable to DC to be made by the Regional Committee Fita Lazio.

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Award

Deadline October 30, 2009

The Municipal Library Montalto Pavese announces the first edition of the Prize for unpublished works of fiction in Italian any theme or set in the territory of the Langhe or Oltrepò Pavese, or both.

The award, created by the will of the family of Marco Custòdero, aims to discover and promote new authors on the national scene who are able to discover, develop and perceive the elements of affinity and continuity between the rural environment, cultural, social oltrepadano and the southern Piedmont.

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This summary is not available. Please click here to view the post.

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The Rules of the entry form

Entry Form - Prize for fiction Marco Custòdero

I, the undersigned ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...

born ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... on ... ... ... ... ...

A resident ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...

Tel Fixed ... ... ... ... ... ... ... ... ... ... Mobile ... ... ... ... ... ... ...

e-mail ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...

claims to be the author of the work entitled ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ..., original and unpublished.

declare that I agree wholeheartedly with the rules of the Rules of the Prize.

"I, the undersigned (full name) authorize the City Library Montalto Pavese the use of my personal data pursuant to Legislative Decree 196/2003 for the sole purpose of the competition. "

Place and date

Signature

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2009 Holiday ruined? What rights to protect the tourist-consumer. The cases and Todomondo MyAir

Le controversie con gli operatori turistici, sono la seconda causa, dopo quelle telefoniche, che porta i consumatori ai nostri sportelli e a cui prestiamo assistenza, tutela e consulenza, nell'attività che svolgiamo da quasi tre anni sul territorio brianzolo. Generalmente le dispute sorgono per inesatto adempimento contrattuale: servizi pubblicizzati come inclusi che si rivelano sul posto a pagamento (bevande, sport, attrezzature, visite guidate ecc...); alloggi inadeguati: meno spaziosi del previsto; sporchi; privi delle basilari condizioni igienico sanitarie. In altri casi i disagi sono arrecati dal vettore di trasporto: voli cancellati, in ritardo; overbooking. Spesso i Tour Operators scaricano le responsabilità sull'agenzia viaggi intermediaria, colpevole, a loro giudizio, d'insufficiente attività informativa. Dal canto loro i venditori si difendono restituendo le accuse al mittente. Le legittime richieste del turista danneggiato, sono così scaricate (come il famoso barile) tra i due soggetti e lasciate decadere per sfinimento. Alcuni operatori però, i più noti, assumono un diverso comportamento: riconoscono un minimo indennizzo: concedono buoni sconto da utilizzare per l'acquisto di nuovi pacchetti turistici, presenti tra le loro offerte.
I diritti previsti dagli articoli 82 e seguenti del D.Lgs. 206/2005 Codice del Consumo . Nei primi articoli del capo dedicato ai servizi turistici si definiscono: l'ambito di applicazione: le disposizioni si applicano ai pacchetti turistici offerti in vendita o venduti sul territorio nazionale dall'organizzatore o dal venditore; i soggetti: l'organizzatore; il venditore; il consumatore, l'acquirente e l'oggetto: il pacchetto turistico. La forma contract must be written, the agreement must contain elements that are the destination and the duration of the trip: the date of commencement and conclusion; extreme operator, price, etc. ... Information, information brochure. Subsequent articles (90 and following) governing the rights of consumers in the event of withdrawal or cancellation of service, failure or defective performance. Article 98 lays down detailed complaints: failure in every contract must be immediately challenged by the consumer, who may also send a registered letter within 10 working days from the date of return to the place of departure. The last article of this Chapter, number 100, establishing a guarantee fund to protect consumers in case of bankruptcy of the seller or organizer, thereby conferring a refund of the price paid. The case
Todomondo.
The well-known on-line operator based in the town of Gallarate (Va), started sailing in troubled waters since the beginning of summer. Many customers began to complain on blogs and forums, the substantial inconvenience and disruption suffered during the holidays purchased. Towards the end of July, on the official website of the company, appeared a terse statement in which he inquired of the customers that due to the mismanagement of the managing director (Alex Scott), the company was on the verge of bankruptcy and all scheduled departures were suspended. Currently the site has been arrested by State Police. The tourists involved in the affair may submit an application for admission to the Guarantee Fund for the tourist, administered by the Department for the development and competitiveness of tourism at the Presidency of the Council of Ministers. The contract documents and payment receipts (one required for each contract) must send by registered letter in the way of Ferrattella in Laterano, 51 - 00184 Roma. More information is available on the website of the Government where they also refer to the instructions for the procedure and the facsimile of the application.
The EC Regulation 261/2004 and the Charter of the passenger . The EC Regulation 261/2004 well summarized by the Charter of the passenger, compiled and published by ENAC (National Civil Aviation), now in its sixth edition, provides rights for air passengers. The protections apply to flights departing from an EU airport and to those with a similar target but off from a state outside the EU, where the company is Community. These cover cases of denied boarding, flight cancellations and long delays, and problems with luggage.
Denied boarding (overbooking ): the passenger is not on board because of the excessive number of bookings. It makes the call for volunteers to see if there are willing to give up their seats, unlike the passenger remains on the ground. He will have the right to: the reimbursement of the ticket, the amount of compensation depends on the distance of trafficking, the re-routing and service.
Cancellation , rights provide for the reimbursement of the ticket re-booking, assistance and compensation. This will not be due if the company proves that such cancellation was caused by events outside his responsibilities: adverse weather conditions, strikes or other, and if the passenger has been informed, at least two weeks before departure, in a period between two weeks and seven days, if he is offered an alternative flight to take off within two hours of original early, less than seven days if the proposal is no more than an hour before departure expected.
long delays : the right to be recognized on the basis of these, if the delay to reach the five hours, the passenger can decide not to travel.
That paper provides useful tips even for cases of lost or delayed baggage. Complaints can be forwarded directly to the airline, which must respond within six weeks and in second instance ENAC itself. In our office via Correggio, 59 c / o the House of Volunteers are available for free distribution, some copies of the Charter of the passenger, which is also available on the official website of the institution. (Also see opposite). The case
MyAir . ENAC has suspended the operating license to the company Venetian Low-cost, because of insufficient cash flow. The carrier must therefore take action and provide the re-booking and information required by law, if you would spare the relevant payments of compensation.
us for any eventuality, we will resume the activities desk Monday, September 7. Thank you for your attention and
ciao.
Raul Goffo - Confconsumatori Brianza.

L'immagine del Bombardier di MyAir è tratta dal sito della compagnia (flotta), se viola qualche copyright segnalatecelo con e-mail provvederemo all'immediata rimozione. La prima foto è mia, scattata sul Gargano Puglia. Il filmato è da you Tube.

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consumption and credit

Il 18 febbraio 2009 si è svolto, nella sala convegni di Palazzo Mezzanotte a Milano, il seminario: i consumi ed il credito, il parere di vessatorietà sulle condizioni generali dei contratti di credito al consumo tramite le carte revolving, organizzato dalla Camera di Commercio di Milano (CCIAA).
Sergio Rossi (area manager land development and market CCIAA) : Consumer credit is an important driving force for the economy, allows some economically disadvantaged individuals to purchase goods that could not otherwise afford. The service market harmonization of Chambers of Commerce, has the function of creating the conditions for a secure and transparent market, through instruments advisory: the opinions on the unfair nature of contractual relationships in the various commercial real estate brokerages, travel, timeshare gas , telephone, insurance, electricity, internet access with broadband, and control instruments. The opinions are drawn up and published with the hope that they are welcomed by industry professionals.
Guggioli Paul (President of the Order of Lawyers Milan) : In recent years we have witnessed a progressive growth of the sensitivity shown to protect consumers, it suffices to note the attention to the issue addressed by the legislature with the approval of the Consumer Code . This important legislative decree has harmonized in 146 articles (the first original version), fragmented into more than 550 other regulations. It provides greater equality in relations between businesses and consumers. In the last edition have been added to the titles refer to the unfair trade practices, the rules on class-action feature that should have dal prossimo 30 giugno (sarà operativa dal I gennaio 2010 ndr).
Francesca Romana Ferri (direttrice generale per la tutela del consumatore AGCM ) : il parere qui presentato, rispecchia molto ciò che succede nel settore, sono diffuse le stipule di contratti a distanza tramite l'attivazione di carte revolving. La disciplina delle pratiche commerciali sleali è una forma di tutela riservata al consumatore (non si applica ai professionisti). Si rileva una violazione alla diligenza professionale, quando il comportamento del venditore falsa in misura apprezzabile quello del consumatore. Le pratiche commerciali diventano ingannevoli quando azioni, omissioni od informazioni ostacolino una decisione consapevole del consumatore. Nelle pratiche aggressive c'è anche la pressione psicologica esercitata dal professionista. Il classico esempio è il reclutamento di potenziali clienti, contattati telefonicamente per annunciargli la vincita di un premio che possono ritirare nel tal albergo, l'incontro si rivela invece un tentativo di vendita di una multiproprietà (quest'episodio di South Park può rendere l'idea: week end gratis ad Aspen per una Time share presentation. ndr) mediante lavaggio del cervello. Riceviamo segnalazioni da clienti possessori di carta revolving a cui veniva proposta, telefonicamente, l'adesione ad una polizza assicurativa, il cui premio sarebbe stato prelevato direttamente sulla linea di credito. Often the customer had no sense to sign a contract: no module was presented, the accession telephone was sufficient disclosure for the withdrawal was unclear, so the consumer does not know that he had 30 days to reconsider. The revolving credit is basically an expendable trust with a special electronic card with high interest rates which are often unknown. The Authority will protect the average consumer, the average awareness.
Francis Brigo (Ministry of Economic Development DGMCC) : Finance Act of 2000 established a fund for the financing of initiatives to inform and protect consumers. The fund is dai proventi delle sanzioni Antitrust. Per far ripartire i consumi è necessario che le regole del mercato siano chiare e trasparenti.
Ricccardo Marselli (prof. ordinario di Economia all'Università di Napoli Parthenope e componente della segreteria scientifica dell'osservatorio economia sana della CCIAA di Milano) : confrontando il nostro mercato creditizio con quello di altri paesi, si osservano sensibili differenze: l'8% dei nuclei familiari francesi è indebitato, in Spagna si raggiungono valori del 14% e nei paesi anglosassoni tale percentuale arriva fino al 20. In Italia, il rapporto tra patrimonio e debito (fonte la relazione annuale della Banca d'Italia) è 8:1, in altri paesi invece questo parameter is fixed at 4:1. This difference may reasonably relate to the high spread between the Italian families, the possession of the house in which they live. Analysis of Credit Scoring by Italian families (also Bank of Italy), contracts for consumer credit at a cost that accounts for 30% of household income and the amount of installment accounts for the 1, 4%. Italian consumers for the cost of financing, epitomized by the APR, is systematically higher than that applied agl'altri European consumers. The credit for the purchase of goods or services, have higher costs of management and 36% of the domestic market is governed by 5 / 6 operators. Often dealers receive a commission on credit agreement and is intended to assist in the processing of credit brokers: devote more attention to the conclusion of this contract rather than the sale of the product or service. Overall, this sector is still underdeveloped compared to the European average and we have therefore the possibility of promoting a balanced development in order to boost consumption in this period of crisis. A recent survey found that 70% of those surveyed would not have consumed goods and services without access to credit. In some cases, however, there was an improper use of this tool. For example, in the financing of immigrant: the foreign investor is often difficult to obtain credit from ordinary channels (banks, etc. ..) is considered to be a risk, because it undergoes the application of higher costs, than the Italian. While it is assessed reliability as a consumer, so many foreign investors to finance its activities using consumer credit. The credit rating is by means of specially created companies and consortia: the notorious central credit risks (SIC), which often proves to be inefficient in Cicolano information. In general, there is little financial knowledge, and this can cause poor economic planning with the risk of be indebted. E 'insufficient regulation of agents and brokers and sometimes aggressive marketing strategies to assist with some operators targeting consumers already in debt.
Gaetano Presti (Professor of Commercial Law at the Catholic University of Milan - member of the unfair terms CCIAA Milano) : the opinion was delivered in a period when the revolving cards enjoyed a positive effect, are important for support the application. At the moment, is a bit 'changed, the credit risk related financial market was littered with the securitization. Some considerations concerning penalties for withdrawal. The amount penalty for default or late payment of installments, includes the cost of the recess and accessory charges related to the activity of credit recovery (sometimes the cost of telephone reminders account for 10% of the unusual). These costs are left to the discretion of the lender and in some cases reach values \u200b\u200bof 30% of capital funding. The expense of the debtor insolvency is excessive. Some contractual terms reach a high complexity as to be incomprehensible. In the event of theft or loss of the card shall be borne by the consumer 150 €, if there is a fraudulent use of the same during the period between the complaint of the fact and the block of the service. In case of cancellation Modification of contract terms (art. 118 ex TUB), the repayment of the outstanding debt must be made in a lump sum or in installments under the conditions ex ante? It would be preferable to the second interpretation of the subject with appropriate rescheduling withdrawing.
Luciano Pontiroli (Professor of Law Institutions and financial market economy at the Catholic University of Milan - Member of the Commission of the Chamber of Commerce unfair terms) : read the general terms and conditions is often hampered by the small print and the jargon used, sometimes dall'overload information. Including difficulties arise because, due from the small typeface which are written, and the abundance of their content. The contracts are complicated and it is questionable whether fulfill their function as information and uniformity in the management of contractual risk. In this area there is no similar institution to ' ABI that may indicate and / or suggest best practices to follow. Among the operators seem generally considered that it is not worth simplifying contracts. Assessing the merit of the content: there is a very risky, represented by a multiple liability sottoscrzione contract (often the spouse), whose role is never stated explicitly, is a guarantor or joint and several liability? This limited information makes it unclear to the subject the risk that liability comporterebbe, si ravvisa una scorrettezza commerciale ed un ulteriore grado di vessatorietà. Le corti Europee quando vengono coinvolte nelle controversie contrattuali del credito al consumo, accertano sempre più spesso, se il coobbligato al momento della firma fosse stato chiaramente edotto sui rischi connessi all'assunzione del ruolo.
Valentino Ghelli (Presidente Assofin ) : Il peso nel mercato del credito delle carte revolving è l'8% del totale. Si ricorre al credito anche per affrontare le spese della quarta settimana e dagl'interventi sin'ora svolti emergono pregiudizi negativi e toni apocalittici. Il confronto con le associazioni dei consumatori prosegue da più di diec'anni, complessivamente the contractual arrangements are legitimate, any unfair nature can escape, if they can commit errors. Sector regulations in force in our country is among the most advanced of the European community, so much so that the next Directive will not introduce major changes. The withdrawal shall result in disqualification of the benefit of the term with a single payment of the outstanding debt. The termination clause is not vexatious. There is no sharing with the essential lines expressed in the opinion.
Luca Artizzu (COO of CTC consortium of credit protection) : is a nonprofit consortium that collects data from persons who have entered into a loan. The rules of conduct are those compiled in code of ethics developed by the Privacy Authority in collaboration with consumer associations. The negative information is recorded after 15 days' notice sent to the consumer and occurs when at least four installments of the financing remain unanswered. When a dispute arises in the host contract (the one that is for the purchase of goods and / or service for which funding is attached), reporting in the information system is identified by specific code.
Marisa Costelli (responsible Adusbef - New York) : at this time of general crisis, it would be desirable evitare contrasti economici che sfocino poi in sede Giudiziaria. Nei formulari, è il consumatore che propone il contratto di finanziamento, figura cioè una situazione ribaltata, vogliamo cambiarla questa prassi?
Fiorelli Daniele (Legale Fiditalia ) : questi modelli contrattuali sono usate da almeno 7 anni e non abbiamo mai registrato una contestazione sulle clausole evidenziate come vessatorie. Nel parere è auspicata una responsabilità della società emittente la carta di credito, nei rapporti commerciali con il singolo esercente (esempio nel caso di mancata accettazione o disservizi tecnici), quest'attività di monitoraggio e controllo sarebbe impossibile per una società come ours, which is active throughout the world, it is necessary to involve the major international circuits. The contract should not be an element of competition and a general uniformity is acceptable. All in all our views on the document is not, however, is a useful opportunity for comparison.
Anna Vizzari (Economist, Economic Research Department legal - Euroconsumer Services - Altroconsumo ) : our legislation is at the forefront, but the information provided to consumers with the information sheets is replaced by the present brouchure Advertising . The revolving credit card is a useful instrument of payment and financing, but the contracts are complex. Behaviors virtuous should be rewarded, punished others, keep in mind that the informed consumer is useful to the entire market. We welcome your opinion.
Thomas of Good (Provincial Secretary Adiconsum ) : express positive opinions about this payment instrument and the approach with which the topic has been addressed. We hope that the findings of the opinion to be accepted in the forms so as to avoid litigation rather than solving them upstream to downstream in the classrooms Giuiziarie. Consumer groups also have the opportunity to undertake actions for injunctions. The two major topics on which to draw your attention are the so-called surprise effect: the result inconsapevole di una richiesta di finanziamento, ti arriva a casa, te la trovi in tasca e prima o poi la usi; la questione del contratto di beni o servizi: se la merce non viene consegnata mi trovo lo stesso con un debito da pagare.


L'immagine delle carte è tratta da internet, vi preghiamo d'informarci con e-mail se viola qualche copyright provvederemo all'immediata rimozione. Grazie

Wm Rogers Silver Flim Star

CHAMPIONS OF ITALY LAZIO MATCH POSTPONED


Lazio regional men's team won the national tournament organized by the regional team in Naples Fita June 20, 2009. The team of Lazio is imposed on Sicily in the final 3-2. Excellent results for the women's team that ranks second in the final losing to Puglia.
The Lazio Regional Committee takes this opportunity to thank the technicians of the former club of athletes and everyone who contributed to these successes.
Special thanks also to Clement and Pubblisport Rossi for providing the material of the CR Lazio race.

All the guys in the race

Marzano Lino
-48 kg -48 kg -55 kg Rega Vittorio
Liguoro Cristian Conte Salvatore

-55 kg -63 kg -63 kg Zannoni
Ciminera Fabrizio Federico Rossi
-73 kg Valerio Daniele
Lucconi
-73 kg +73 kg +73 kg Lauretti Mauricio
Cannellino Simone

-49 kg Belcore Maria Luigia
Tontini Amber
-55 kg -55 kg -63 kg Cardini Jessica
Robert Nardelli
+63 kg Betto Martina

COACH: Marcello Pezzolla - Guido Aversano

What Can Replace Curd

are advised the Company and all athletes that the team competition organized by the Regional Committee in Lazio Viterbo on 28 June 2009 has been postponed until a later date due to organizational problems of some regions in the race.

We apologize for the inconvenience.

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Calendar

June 13, 2009: at the gym FITA Water Sorrel, from 16.00 to 19.00, there will be a gathering of regional team that will participate in the quadrangular to be held Viterbo 28 June of the following regions: Lombardy
LAZIO CAMPANIA PUGLIA

June 27, 2009: Preliminary Course
black belt examination
From 16.00 to 19.00 hours at the gym FITA

July 5, 2009:
Consideration black belt "at the gym FITA"
From 9.00 to 11.00 will hold examinations for the passage of poom and will be held from 11:30 am to pass the exams dan.


Entries must reach the inbox of the writer Committee by June 27. Fita_lazio@libero.it

Consideration promotion I poom 80 euro
II poom 80 euro
III poom 100 euro

Esame promozione I dan 80 euro
II dan 80 euro
III dan 150 euro

Il pagamento avverrà tramite conto corrente postale specificando la Regione Lazio.
Si cogli l’accosione per inviare distinti saluti


Roma, 24/05/2009
Il Presidente del Comitato Regionale
Dott. Massimiliano Campo

Salon Brazilian Wax Killeen

On 30 May 2009 at 15.30 hours at the gym FITA Water Acetosa the rally will be held to select a regional teams that will participate in the National Tournament next a regional team that will place on 20-21 June in Naples.

National Team Tournament Rules:

Each Regional Committee will have two teams, one male and one female, with a selection of athletes (black and red belts) born in 1993 and 1994 in the following categories:

MALE: -48 kg, -55 kg, -63 kg, -73 kg, +73 kg
FEMALE: -44 kg, -49 kg, -55 kg, -63 kg, + 63 kg

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REGIONAL MEETING Meeting Calendar Forms

Sunday, April 19, 2009 there will be a rally at the Centro Sportivo Giulio Onesti forms (gym Federal FITA - sorrel water) in order to create a regional team with a view to possible participation in an international open ( part of the room and board will be at the expense of the regional committee).

We encourage companies to select and to involve the athletes belonging to the Junior category (14-17 years) and Seniors.

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dates of the next Regional Championships May 10, 2009


• Regional Championship belts black jun-B A male and female cadets
Tournament • A red belts and black male and female
Funds - Sports Hall, via Santa Maria Mola
Race starts at 9:00
The weigh will be held on 09 May from 16.00 to 18.00 per Fund at the High School located in Via Gobetti Gobetti and Rome always from 16.00 to 18.00 at the gym FITA Water Sorrel.


May 24, 2009 • Regional Championship Belts Blue Green Yellow senior male and female
Funds - Sports Palace, via Santa Maria Mola
Race starts at 9:00
The weigh will be held on 23 May from 16.00 to Funds to 18.00 at the High School located in Via Gobetti Gobetti and Rome always from 16.00 to 18.00 at FITA Water Acetosa gym.


June 14, 2009 • Regional Championship senior male and female black belts
Regional Championship • Senior Male and female red belts
Latina - Sports Palace, via dei Mille
Race starts at 9:00
operations will take place weight on the day June 13 from 16.00 to 18.00 in Latin America at the Middle School, Via A. Volta Botticelli and Rome always from 16.00 to 18.00 at the gym FITA Water Sorrel.