Banana Republic

In Italia ormai da quasi due mesi si deve stare in casa salvo che si debba uscire e la mascherina è sempre da usare, poi no, poi si, poi forse. D’altronde i negozi sono chiusi tranne quelli aperti, il virus non colpisce i bambini e i giovani salvo quelli che se lo prendono. Infatti se hai molti sintomi sei malato, però puoi anche ammalarti senza sintomi oppure puoi avere i sintomi ma senza star male, ma essere anche contagioso pur non avendo i sintomi e se chiedi di farti il tampone per verificare se sei contagioso non puoi farlo perché non hai i sintomi.

Curati: per non ammalarti devi fare esercizio fisico, però non dovresti uscire e non puoi correre, perché sei corri allora è attività sportiva e non si può fare. Comunque tirati su e se vuoi la pizza te la portano a casa, ma chissà se chi l’ha preparata era contagioso? Poveretto il pizzaiolo: poteva essere senza sintomi, ma se era asintomatico eppure malato e ti infetta? Chissà…Anche perché il virus sulle superfici vive pochi minuti, al massimo due ore, no quattro… o forse sono sei, oppure fino a 2 giorni, ma comunque tranquillo perché in media i sintomi escono in 4 giorni, o forse fino a 11, ma magari anche molti di più…

In un paese con gli scienziati che ogni sera si contraddicono così, chiedi chi siano gli scienziati e gli esperti e scopri che sono ormai decine le commissioni, i comitati, i referenti, le cabine di regia, i tavoli tecnici, le task force (perchè scriverlo in inglese fa tanto più figo).

Tutti commissioni e tavoli ripetuti e replicati a livello centrale, regionale, provinciale e locale, così come negli assessorati e nei ministeri e dove alla fine nessuno decide perché lo deve fare sempre qualcun altro che però di solito la pensa diversamente da te.

Succede sempre così, quotidianamente, tanto dalle commissioni non si dimette mai nessuno, poi arriva (ma dopo, a posteriori) puntualmente un Magistrato che giustamente accusa, ma non era certo in prima linea a decidere quando c’era bisogno di farlo e quindi molti procedono nell’ottica che se non si decide niente almeno non si rischia, come puntualmente troppo spesso è avvenuto.

Alla fine abbiamo comunque tutti ragione, ma intanto finalmente si apre, no non si apre. Allora si apre in parte, divisi per regioni e/o ci si muoverà in date diverse, orari diversi, ma solo nell’ambito della propria regione. Nessuno pensa a chi (come me) vive su un confine regionale e quindi mi servirebbe poco poter andare a 250 km. di distanza se poi il lavoro sarebbe a cinque chilometri da casa ma – ahimé – in un’altra regione.

Alla fine restano poche certezze, per esempio quella di poter andare a fare la spesa ma - chissà perchè - non si può andare a Messa, neppure tenendo le distanze.

Messe vietate già da quella domenica 8 marzo ormai lontana, con le chiese già chiuse ma contemporaneamente i bar pieni di gente per l' ora dell’aperitivo.

Che il cibo del corpo valga più di quello dell'anima è una opinione del governo, che ha vietato perfino la benedizione delle salme in chiesa (pur se deserta o semi-deserta), chiese che non si possono legalmente aggiungere se non "nelle immediate vicinanze" delle abitazioni. .

Mi si permetta allora almeno ricordare oltre a medici, infermieri e farmacisti (ma anche a tanti volontari morti per aver trasportato i malati) una categoria di cui non ha parlato quasi nessuno: i sacerdoti.

Oltre 100 sacerdoti in Italia sono morti in queste settimane perché sono stati vicino a malati che spesso morivano da soli. 

Anche loro sono degli eroi silenziosi di questa epidemia.

Un grande e brutto pasticcio all'italiana

Ci stiamo avvitando in caduta libera, ma rispetto a quando mi lanciavo da giovane col paracadute stavolta non c’è neppure quello di emergenza. Serve programmare ed attuare subito – con le dovute cautele e verifiche – una immediata ripartenza produttiva.

Troppi annunci del Premier si trasformano in delusioni e gente non all’altezza sta portando l’ Italia a un doppio disastro, sia interno che nei riguardi degli altri paesi europei dove la ripresa è già cominciata.  

Polemico? Davvero non vorrei, ma ditemi voi come si può scrivere un decreto dove, per indicare il tasso cui fare riferimento per un finanziamento alle piccolissime imprese, anziché chiaramente dire 1% (oppure 1,5% o 2%) si debba testualmente scrivere: (art.13) “Il soggetto richiedente (la banca) deve applicare al finanziamento garantito (all’azienda) un tasso di interesse… che tenga conto della copertura dei soli costi di istruttoria e di gestione dell’operazione finanziaria non superiore al tasso di Rendistato con durata residua da 4 anni e 7 mesi a 6 anni e 6 mesi, maggiorato della differenza tra il CDS banche a 5 anni e il CDS ITA a 5 anni così come definiti dall’ accordo-quadro per l’anticipo finanziario  a garanzia pensionistica di cui all’art.1, commi da 166 a 178 della legge 11 dicembre 2016 n. 232, maggiorato dello 0.20% … ecc.”

Il CDS sta per Credit Default Swap che cambia ogni mese (come il CDS ITA) e per calcolarlo si fa riferimento alla piattaforma (privata) Markit. Il punto è che neppure su questa piattaforma c’è un indicatore medio, perché l’interesse applicabile va poi calcolato per il rating e l’operatività di ogni singola banca.

I fondi disponibili, tra l’altro, coprono le necessità di una minima parte dei presunti richiedenti l’aiuto. 

Ma i ministri che approvano un decreto come questo, capiscono cosa ci sta scritto? E se non lo capiscono (come credo, visto che non lo comprendono neppure i tecnici finanziari) perché allora lo approvano, e cosa ci stanno a fare? 

Fin qui per le piccolissime imprese, ma tutte le aziende con giro d’affari oltre i 100,000 euro e fino a 499 dipendenti (il grosso della produzione, insomma) non avranno condizioni preferenziali  perché i tassi sui finanziamenti richiesti, secondo il decreto, andranno poi discussi in “trattativa di libero mercato” tra banca e azienda con affidamenti, tempi, interessi, saldo delle garanzie, procedure, modulistica da definire volta per volta. Quindi non è vero che i soldi saranno concessi a tasso vicino allo zero ma a molto, molto di più (“di libero mercato”, appunto) e in una trattativa tra banca e un'azienda che magari ha già l’acqua alla gola, secondo voi chi vince?

Eppure le banche si possono finanziare a tasso sotto lo zero con la BCE.

Quindi – in definitiva – il decreto di Conte favorisce le banche, non le imprese!

In quanti l’hanno capito dentro e fuori il governo e quanti cittadini lo possono capire, se c’è una continua informazione raffazzonata, supina e tendenziosa? 

Ma come si può pretendere che con queste pantomine l’Italia possa mai uscire dalla crisi più devastante di sempre? Ma perché - anziché chilometriche comparsate di Conte e dei suoi “tecnici” in TV (ormai un esercito tra esperti, commissioni, comitati, istituti superiori, tavoli, tavoli tecnici e task force) - non si chiariscono piuttosto queste cose e soprattutto non si scrivono norme chiare, semplici, veloci, inequivocabili?  

Eppure le norme dell’Agenzia delle Entrate per chiarire il differimento dei termini  fiscali occupano 44 pagine e ben 150 pagine la prima bozza ministeriale per “la semplificazione (!) e l’accelerazione degli investimenti in materia di opere pubbliche”.

 I numeri sottolineano bene la drammatica realtà e la spasmodica necessità di non affogare: in pochi giorni ben 105,727 imprese hanno chiesto ai prefetti di “aprire in deroga”. Di queste - a ieri - 2,296 domande erano state respinte, ma le altre lavorano (o cercano di lavorare) in regime di “silenzio-assenso”: quante siano poi effettivamente quelle in regola o meno, nessuno lo sa.  

LOTTERY WINNERS: 19 THINGS TO DO WHEN YOU WON THE JACKPOT!

Maybe you?

Our whole life is a lottery, nothing is already written and entrusted to the book of your life, every small step forward is a carefully thought out choice by everyone. But also no, it could also be a choice to live the day.
Whether it is the case that decides for us, or luck, everything must be properly weighted to get the maximum possible.

If you are one of the lucky ones who have recently enjoyed a brazen and blind luck, here is a list of what you will need to do to conserve the capital over time and not lose it too soon. If instead you have not won but hope that sooner or later it will happen to you, read this article, it will help you not lose everything too quickly. Enjoy the reading.

STEP 1: Sign your lottery ticket

If your win is in the form of a ticket, the first step you need to take from the start is to sign the winning ticket. Indeed, a lottery ticket is a bearer title, which means that whoever signs the ticket and presents an ID card or passport can claim his winnings. This practice is not very well known and yet if you have not signed the ticket and lose it, you will have no way of recovering your due.

STEP 2: Stay anonymous

Stay anonymous if circumstances allow. Once the people around you know that you are suddenly wealthy, you will be harassed by requests for association, friends you haven't seen for a long time, car and boat sellers, not to mention all of them. saying "financial experts" who will come to you to "sell" their "products" without putting in place any real coherent investment strategy. You can therefore dodge all these problems by remaining anonymous.

STEP 3: It is urgent to wait before the big expenses

Avoid sudden changes in your lifestyle. During the first six months, do nothing definitive, like quitting your job, buying a big car, moving to a big house, even if the temptation is strong. Schedule major purchases for later.

STEP 4: Pay off all your non-performing debts

Pay all your non-performing debts, there is no better investment! Whether it is your car, consumption, work or principal residence loans, your net rate of return is equal to the interest rate on your financing. With increasingly low financial returns today on conventional investment products (bank investments etc...), paying off your debts is a great idea.

On the other hand, if you have productive credits, for example for real estate investments, be careful not to repay too quickly, because the loan interest is deductible and with a marginal tax bracket rising sharply, you risk giving back to the tax more than 50% of your income. To be studied on a case-by-case basis.

STEP 5: Build a team of Independent Consultants

In such situations, it is very difficult to know who is trying to scam you and who is trying to seriously help you build a stable and efficient wealth in terms of income. Rather than signing your eyes closed with a single financial advisor who risks selling you only "products" and not investments, I recommend that you choose the best lawyers, accountants, wealth management advisers and notaries for them. force to work together. Before describing your financial situation, be certain of everyone's references and do not hesitate to contact some of their customers to verify.

Indeed, the team that you put together around the table will function like the board of directors of a large group. Nothing prevents you from setting up an investment plan with a good advisor and then asking your advisor team for validation. I have been offering this type of operation for several years to my important clients, because in addition to avoiding abuse, this operation makes it possible to use the skills of each of the professionals in an optimal manner, which is never too much especially for technical arrangements (SCI, Holding, etc.)

STEP 6: Train yourself in wealth management

One of the best ways to avoid mistakes and find the best opportunities is to train yourself in wealth management. This area includes financial investments, real estate, financial management, taxation, wealth creation and transmission and other exciting areas. By following a suitable training, which can sometimes take 2 to 3 years, you make sure you make the right choices. Today, we must be aware that with a heritage of only 1 million euros, some manage to generate revenues of 7 to 8,000 euros per month without touching the capital, while others can squander this amount. in less than 2 years… for a low or zero result in the end. Imagine what you can do with several million euros. For this, investing 7 to 10,000 euros in training is often an excellent investment.

STEP 7: Invest prudently

It is important to put your earnings in a safe place in the short term and then ask your team of advisers to put in place a well-balanced heritage. An investment portfolio cannot be improvised, avoid overly speculative investments (stocks) or debts (bonds, funds in euros), unless you have a clearly defined investment strategy, a money management system (preservation of capital) and a crash strategy. Don't fall for investments that you don't understand or that seem too good to be true.

STEP 8: Avoid all risk-free finance

I can already hear you say: "I put it all in the bank, in guaranteed euro funds, and I only live on interest"!

Great idea on paper, but bad idea in fact!

Let me explain. To believe what the banker tells you is to believe a carpet merchant on the quality of the carpet! This is a bit excessive, but in fact the first thing to consider when receiving a large sum is what is called "money management", it is about managing and preserving your capital.

By investing in funds in euros, you invest in bonds, that is to say debts of over-indebted countries like France, Italy, Spain, etc. The risk of loss is not zero, France has already gone bankrupt 8 times in its history. A debt may be blocked at first, then canceled a few years later as was the case with Russian loans.

Financial savings are not an investment

On the other hand, financial savings are a placement, not an investment. Rather than go on any investment, it is better to choose "investments", real and tangible assets that generate cash flow and therefore regular income.

STEP 9: Don't put all your eggs in one basket

You know this rule on diversification of course. But be careful, sometimes, we believe that there are 3 or 4 different baskets and it is actually the same. For example, you diversify between Europe stocks, US stocks, emerging stocks, bonds, euros funds and other FCP; in the event of a crash, all your values ​​will go in the same direction, the financial markets are correlated with each other, so watch out for false diversification!

STEP 10: Avoid intensive diversification

It is important not to invest the whole in the same place, as we have just seen, but be careful not to fall into the opposite excess. If you spread yourself apart, management risks becoming very complex and above all ineffective. Choose tangible real assets (real estate, forest, shops, gold, etc.) rather than dispersing your assets on investment “products” that will not protect you in the event of a banking crisis, stock market crisis or systemic crisis (monetary system and financial). Intensive diversification therefore remains to be avoided.

STEP 11: Live with a budget set in advance

Especially if you are not used to having a lot of money, it is important to maintain a certain budgetary discipline to preserve your earnings and avoid the buying spree. One way to hold back is to live only on the income generated by your investments. Today, you will need a lot of capital to generate net income and if you start by attacking your capital, the great story may turn sour. Learn how to manage your starting capital, this is called Money Management. Also favor the cash flow to the consumption of your capital.

STEP 12: For your cash savings, choose at least 3 or 4 banks

Note that cash savings stored in a bank are debts, not assets. Saving is not an investment in general, keep only what is necessary for current operation (purchase of car, household appliances, etc.)

Open several bank accounts so as not to be dependent on a particular bank, and do not hesitate to use certain alternative payment sites for your internet purchases; thanks to online payment, some sites offer services comparable to banks.

STEP 13: buy no products or debts, only assets

A "product" (banking product) is a packaged investment, decorated with a lot of marketing, which always seems a good idea on paper, but it is often difficult to determine the real risks of this type of investment. Please note, some "products" such as guaranteed euro funds are actually debts!

Debt is not the best investment!

So know how to differentiate a debt from an asset. Funds in euros, money market funds, bonds, bond funds are made up of 100% debt.

A bank account is also a debt!

When you deposit your assets in the bank, the bank gives you a claim in the form of a piece of paper. The money is gone, but the bank admits you owe a certain amount. This is what happened in Cyprus. If you have large amounts, do not leave them in the bank, it is the bank's debt to you, and the debts are often made to not be reimbursed, even if this has not happened in France since loan of a century.

STEP 14: prioritize investments that generate cash flow

A share, unless it generates a large dividend, does not generate cash flow. You only win by making a capital gain. In real estate, you buy an asset (a building) that will change in value (gain or loss on resale), but the enrichment is mainly thanks to the cash flow (rents). So, even if you sell a building at half its value after 20 years, with a good return, you will still gain.

STEP 15: Choose investments, not positioning

A positioning is a store of value (bank, debt, etc.) that loses value with inflation while an investment generates regular income that follows inflation.

STEP 16: Establish a multi-year plan

It is important, in any property decision, to avoid investing everything in 6 months. I remind you that if investing is something new for you, an idea that may have seemed good at the start can turn out to be a real disaster a few years later! You will learn on the job and the experience will come as you go. You will make mistakes for sure, so don't be like some top athletes who have invested everything in one place in one place without following the advice in this article.

STEP 17: Set up an estate plan

In your team, you will need a top notary, experienced people, but not too close to retirement, because these notaries are often exceeded by new standards and practices. If you suddenly become wealthy, now may be the time to plan your estate tax. If you want to share some of your earnings or income with family and friends, this is the perfect time. Your notary (with the approval of your team) will be able to pass on heritage to those you love by limiting taxation and protecting you from the risks of dependence. The idea here is to keep control of your wealth and anticipate when you will no longer be able to make management decisions.

STEP 18: Understand and avoid the "house money" effect

We pay less attention to the money earned from games or inherited than the money earned from our work. In reality, we treat money earned quickly in a more casual and less reasoned way than money obtained by our work. The house money comes from the expression of economist Richard Thaler: "House money effect". We are more willing to take risks with gains made by gambling or speculating, hence the popular expression:

Quickly earned money will be quickly gone!

This is why the lottery winners are often poorer after several years than before having pocketed significant winnings.

STEP 19: make your dreams come true ... without necessarily focusing on spending!

Is it possible to have fun today without thinking of "Expenses"? Of course, yes!

With an almost unlimited purchasing power, the temptation is strong to “have fun” as we say, but I can assure you that spending will not increase your pleasure, on the contrary, it will increase certain frustrations that you didn't have before: some sort of wealthy issues. Wealth brings you an important element: the freedom not to go to work and therefore time to realize your dreams, take advantage of it!

CONCLUSION:

With your fortune, you have time, independence, financial means to realize yourself. Avoid focusing on spending and start by learning in all the areas that make you vibrate, money is never a life goal, but only a way to achieve it. This gain, whether by chance or by hard work, must be invested effectively so that it can permanently protect you. Take the time to make your decisions, and if you apply these 19 steps, it's a safe bet that your children and grandchildren will also be able to take advantage of this great opportunity…

Do the right thing and good luck!.