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released version of the new book THE IPAD CENTRAL RISK Maria Francesca Severi

released e-book version of the new book THE CENTRAL RISK Maria Francesca Severi. The file formats epub, and requires on site and allows www.basileatre.eu the full enjoyment of the text, complete with index, search for the application of Apple iPhone, iPad and Itunes. And 'Just order the' e-book through your mail and recorded on I-tunes the response file will automatically be loaded into "iBooks" of Apple.

"We are delighted," said the author "to provide our readers and our customers a digital version of our work, for ease of use and dissemination, the printed text retains its charm and never lose it, but also the e-book version makes every book a practical tool for work. "

THE CENTRAL RISK in e-book version is on sale today at the symbolic price of EUR 14.99.

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available the book THE CENTRAL RISK Banks and Enterprises in the series published by Study Sphere Communication Consulting in Milan

"If you know it avoids the" this may be the summary in the new book THE CENTER OF RISKS, smooth operation, INACCURACIES AND PROBLEMS by Francesca Maria Severi, published in the series BANKS & BUSINESSES by Studio Sphere Consulting in Milan. The Book, 512 pages, updated in November 2010, reported complete with all the regulations of the risks run by the Central Bank of Italy and the major private risk, such as CRIF, CAI, Experian, and so on. A complete text of case law and operational advice for the proper administration of the material and operating instructions for handling problems and, above all, of abuse.

The book is specific to the Enterprise and Professional, accountant, business consultant or lawyer, who need to have a single full text of any rule, law or regulation, together with case law.

sale online from the library on Dec. 27 Espresso / My Book, and soon also on FELTRINELLI.IT and 85 Feltrinelli bookstores throughout Italy.

not to be missed!

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Scuppa WITH THE BOOT

Scuppa WITH THE BOOT

Our story begins in a remote valley at the foot of Mount Pirchiriano ancient County Closed. Here lived a poor orphan in rags, named Scuppa, forced to labor by the rooster until sundown to satisfy all the whims and the complaints of Nicoltola stepmother and two half-sisters Cecilia and Camilla.
The stepmother was a gruff and surly woman who spent half his days in front of the mirror to restore what was left of his face now in decline with a special lotion to carrots. The other half of the time did nothing but complain about anything: the shortage of children to the supermarket, of which he was fond of the fact that his French lover Mavro does not devote enough attention, because they are too busy with his farm "kittens" and even the neighbor, a Maritein, who dared to disturb her every morning with a gentle snoring of Woowoozela trumpeted so loudly that at times in danger of breaking the glass. Having no other speakers Nicoltola discharged all his anger on poor Scuppa, charging it with absurd tasks such as cooking scallops, raising rabbits, ironing handkerchiefs, darning socks and even do waxing Camilla, the more bushy the two daughters. The two dear sisters spent their afternoons in lessons on clarinet obligation of his stepmother, but unfortunately, despite the zeal of their teacher, Ross Air, lacked talent and their instruments that did not come out whistles and shrieks so annoying that Scuppa to avoid forarsi eardrums while washing the stairs with Vileda Moccia, was forced to wear a pair of shocking pink fluffy earmuffs. Furthermore, accusing each other of Stone, Cecilia and Camilla ended up taking their lessons in a clarinettist on the head, getting bumps and bruises.
was during one of these infernal and endless afternoons Scuppa, whistles and screams from rintontita stepsisters, shook with rage so strong stick Moccia that began to emanate sparks. So it was that suddenly, out of the bucket of water, no other than Mr. Clean came out all pumped for the intensive fitness and hormones that took all morning. After having calmed down, he bowed to Mr. Clean Schiuppi that arose the ear, listened to "My dear Schiuppi, you have relied on my help and here I am, I continually helps the laundresses in distress. I am here to fulfill your wishes three. Come on, shoot ... What would you have me do? "
Schiuppi shy, and his chest out to show his" abundant "balcony of the beautiful trees, squeezed their brains and finally spoke:
" I want revenge for my stepmother and my stepsisters. I have made too many go, I can not really over ... "Linda was a moment to think about it and then with a toothy smile dismissed Schiuppi Palpatine with one saying: "Done. When you need me just to rub the snot! "It disappeared in no time diving into the water bucket.
Scuppa still dazed by the unexpected visit, he could not combine a right for the rest of the day: the wrong stain Nicoltola that he found himself with the zebra head, tore his groin waxing Camilla so violently as to provide a ' third degree burn, burn, and then he sofficini prepared for dinner. Lying down exhausted she thought about how disappointed they were deceived by promises of Mr. Clean.


But as they say the night brings counsel and was so the next morning the stepmother Nicoltola, the very day of his birthday, he woke up as usual by getting Woowoozela with a bad mood and stomach in turmoil for too many children the night before. But the state of things fell when he noticed a deep furrow across his forehead ... a wrinkle! The whole house was awakened by such a ferocious roar coming from the east tower, where her stepmother slept and the only place in the sun (you should know that the County Closed was always in the shade since she was born Camilla, perpetually unlucky girl and that trailed wherever he went behind a cloud heavy with rain). Desperate stepmother asked her beloved mirror: "Mirror, mirror on the wall, who panzerotti the most beautiful of them all? ", hoping to hear the usual answer, but things went differently. "E 'Scuppa the hottest and beautiful girl in the land," answered the mirror. As an Amazon obsessed Nicoltola howled with rage by sending the shattered mirror and always screaming Scuppa called to report. Because this took him ten seconds to reach the east tower, the stepmother, he began "The saaaaai fastiiidio me that if you put so much!" And then ordered her to make a cake to 6 carrots, and nettles plans for his birthday ( it was said that his stepmother had a penchant for carrots until, as a child, had fallen into a pot of soup carrots).
So Schiuppi spent the afternoon peeling the carrots, while Cecilia, unwilling, picked the nettles in Vernej. But the unfortunate we stumbled nell'orlo dress and fell face down in the nettles. Her face was swollen so much that it seems a basketball toasted.
Meanwhile Camilla, and between the two sisters was the one with the artistic side, walked the streets of Chiusa, going over the verses of Luke Torrents, an English poet very much in vogue, and that he prayed for his mother the same evening . But not caring where he walked, ran into a sign so violently that she lost her voice. Since then the poor Camilla was forced to always carry a roll of parchment recycled in order to tell the world his deep thoughts, otherwise known as "Camille."
So a deformed and the other changes, both daughters came home desperate, but his stepmother did their case, want nothing more than its succulent carrot cake. Scuppa not providing the nettle, why Cecilia had gone home empty-handed, with dell'erbagatta remedied, hoping that her stepmother would not notice the difference and so it was, except that after the free ride on its own 5-storey mega cake began Nicoltola to feel strange, and his body began to fill with bubbles becoming reddish the appearance of a ripe raspberry. Mother and daughters, desperate to flee in shame, and not being able to stay in that closed, where the news had very short life, and asked Doire crossed the hospitality of the Marquis Condove, Mavra, Nicoltola lover, who, seeing them as battered, was alarmed so much to make them shut up in the dungeon of his castle.
Scuppa so she was alone in the big house of his stepmother and finally realized that Mr. Clean was not made fun of her. Nicoltola and her daughters had received what they deserved and it was just as he had promised. So she wasted no time and called Mr. Clean for a second time, asks him to find a boyfriend because she felt very lonely. And so, during a walk in Vernej, he met a frog croaking all alone in a swampy lake. Scuppa, curious, went over and, after resting his lips on the little head of the toad, this, in a flash, turned into a handsome prince looking pompous, who said his name was Prince Diego, the noble house of Grenouville. The Prince told Schiuppi the victim of a spell of the evil witch Paterla Maria, whose love, Diego is not reciprocated.
Between the body and the spark immediately after taking her to do the bob to bugibagi Bonaudo, Scuppa pear is cooked like a march but fate separates them Diego because the prince is forced to leave for the World Cup in Brazil, where it so well that you will remain forever.


Seduced and Abandoned Schiuppa collapses in tears when he suddenly remembers that he still has a desire and it rubs the snot Vileda, finding himself with his brand new pony: Sparrow. Scuppa with his horse through the valley far and wide, until one day he comes across a community of political activists, fighting against the construction of the TGV (High Speed \u200b\u200brug), or a flying carpet that would travel around the world 30 minutes, but that they believe would cause a vibration that to raze the whole Val di Susa. Among these activists found Scuppa Camilla, one of two sisters, who had quarreled with Nicoltola for a combination of colors, has joined the Fight NO TAV, promoting a life-Zero Impact, dressed leaves and eating berries and seeds sunflower.
In fact, the stepmother and her daughters in the meantime had been cleared of Mavra, which was expected to bring a terrible disease which would be absolutely sick if he had kept in his castle. Mavro it was an early symptom of the disease when a day began to spelarglisi nose.
E 'own Camilla Scuppa to submit to their leaders: Nael-Nael, an apprentice Sevas of the Jedi. Between the two it was love and blablabla ...
After winning the fight NO TAV, with the decisive battle of PunDuRì (on 10/10/10 at 10:10), which saw opposing forces with the Jedi Sevas NO TAV and Lora The Swine, a cynical businesswoman owner of a company of tanks, we decided to celebrate with a grand ball at the Multipurpose Hall, accompanied by the illustrious band Chiusina.
Scuppa it is beautiful with a red bra, panties with lace and stivalazzi Bagas be purchased in the shop of the "Locust & Sons."
Scuppa But he had a problem: he was homeless because Nicoltola them to him was stolen ("Rubatiiii"), and fearing to look bad in the "after-dance" with Nael-Nael, calls asking for a Mr. Clean latest desire. These, a bit 'fed up to the greed and audacity of the girl, but agree on one condition: that Scuppa come home by midnight, or else suffer the dire consequences. Scuppa, without giving too much right, accepts, and so finds himself with a hearty fifth to take with you. The party was great at multi-purpose, with all the most famous celebrities Chiusi: the tribal chief, the three-in-law to the suit, Ross Air, Don soup, Maria Paterla etc. .. etc. ..
Scuppa but you forget the promise made to Master Lindo and so at midnight, when she was dancing "Passerina" cheek to cheek with Nael-Nael, it suddenly felt stung by something and screamed in pain. It was the beard that was growing Scuppa fluent was turning into a man! Here the consequences mentioned by Mr. Clean. Also appeared Adam's apple, guttural voice, her tits became steel chest and suffered a skirt because the swelling grew up a huge pack. So Scuppa ran away, taking off his boots were now too close to a 46 feet, and came home without being seen by anyone, as the hall was plunged into darkness, were it not for that great nosy Miss Rolly, an old maid who spent his days glued to the window along with his binoculars to spy on the lives of the inhabitants of manhole covers.
Nael-Nael desperately wants back his Schiuppi at all costs, but not knowing where he abode, and being committed to translate Latin to pass the examination by the Jedi, Camilla unleashed around the valley, looking for the girl that fits in perfect boots abandoned by Schiuppi to the ball ...






[. ..] (Camilla is Schiuppi and, together with Nael-Nael, the nearby Maritein, Miss Rolly Sevas and try out all the boots of the most famous shop "Shoes & Boots, attracted the ire of his companions and all orders in place, as long as everyone is aware that she is the girl who fits the boots right ...)








... So you have found the perfect girl who wore his boots, climbed on the tractor Scuppa Camilla (who was going to peel potatoes) and reached the manor-Nael Nael, which turned out to be a landowner with a 'huge estate. So the two were married in a ceremony celebrated by Fr Cecio (Cecilia, once deflated, to thank the Lord, took vows, devoting his life to prayer, even if the confession is always ready for some Sveltèsse), and so all our heroes lived happily ever after!


END


PS To solve the problem of small Scuppa, the Jedi Sevas to prepare outstanding and succulent Polyjuice Potion, which she had to be fed every evening so that you Nael-Nael find a surprise under the covers.










I want to extend my warmest Congratulations to "Maritein" which, among Woowoozela sound and the other, managed to put together an incredible story! Bravo Matthew!




.!

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compulsory taxation of costs exceeding € 3600

Many changes to the cost greater than € 3600!
Want to be updated on what changes and what do? 'S ready our specific book! See the book.


Meanwhile, an interesting article in today's quote in full:


a sort of second life for which registration is not necessary, but where now all we move even without knowing it. These are the databases of the tax where our next year "avatar" tax will be enriched by another element: the costs exceeding € 3,600 for purchases of goods and services. In practice, since May of 2011 when you go into a shop or ask some services should always give the tax code if the amount paid exceeds the threshold of 3,600 Euros. These millions of messages that would lead nell'anagrafe tax.

communication will be made per transaction (unless more transactions are not linked to each other) so if the year is spent at the supermarket more than 3,600 €, the tax authorities will have no communications. If you exceed this threshold in a single purchase at the supermarket it will always make the same purchase. The tax office with this maneuver has targeted more directly on luxury goods (antiques, furniture, jewelry, artistic assets). For some assets the Treasury will receive twice the figure, such as boats or cars, but this time the communication comes from private and no longer by Pra or the Harbor Master, so you can also make findings between the two types of data. However, some luxury goods could immediately put on alert in case of the tax declarations fully covered by the threshold of extreme poverty: who says less than it spends on jewelry for once, is unlikely to be credible to the Treasury.

The list of customer data will be transmitted to the Revenue so early in the year following that in which they were made and the expenditure through the tax code are going to "complicate" the file of the avatar of each tax. The data reported according to their "consistency" can be used for so-called spesometro and the Redditometro. The arrangement of

Redditometro clearly distinct from the operation spesometro was made this year by 78 Dl. According to Luigi Magistro, Director Central Revenue Agency assessment: "The purpose of disclosure was twofold: first, they wanted to strike against VAT fraud, the reporting relationships between individuals Iva; down ' acquire additional items for more Redditometro. Under the lens, then, travel agencies, clubs, exclusive clubs, and any other expenses to enable reconstruction of income attributable to taxpayers. "In some cases - said Magistro - the sporting clubs are set up as associations. In this case, as it is not subject to VAT will not have to do the talking, but when we check on these patients to verify if they are really non-commercial entities, we acquire the same data for the purposes of Redditometro.

Communication Revenue Agency should be done only once a year by the subjects of VAT by April 30 the following year. Therefore, since purchases in excess of € 3,600 by end-users since May of 2011, this new mass of data arrive at the beginning of fiscal 2012. The sole justification for sending Magistro says, is that: "The rule requires that the data are required for taxpayers without increasing excessively the requirements already laid down, so we have chosen the path of the annual report. Sending the following year is still early for the investigation and therefore it was inappropriate to seek compliance with an interim basis. " Although about the tax representatives of associations of artisans and traders have indicated concern about the performance for new business and asked to verify the actual benefit to the fight against tax evasion.

Indeed, the Communication will be by April data sent to the Revenue before the tax return and therefore, if the campaigns of "awareness" on the eve of the round of tax returns, the data will be available to the Treasury. On this after some anticipation (see Il Sole 24 Ore, 25 September) the Agency has put a damper, postponing any discussion until after the final processing of Redditometro. The timing, however, give an idea of \u200b\u200bthe possibilities may be exploited in each case.

Source: Il Sole 24 ore


WANT TO GET MORE INFORMATION? CONNECTED TO THE LIBRARY OF www.bancaeimpresa.com

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mushrooms buying gold

are growing for months now, with the speed of mushrooms for breeding, the shops "buy gold" in our area, as in all other parts of Italy.
would think that is a result of the crisis, which sell the necklace of communion, can help to make ends meet, are also all new business initiatives, and that's good for the economy.
remains, however, doubt that the reality is not so optimistic. Consider
"scrap" gold old can get around the VAT system, and that in itself would suggest.
also seems strange that there is this hidden gold, ambush, be saved by change in euro.
Many connect the "buy gold" in the presence of the Roma, who often like to steal the gold, and since they can not line the mercedes or the trailer, the change in notes (perhaps thinking a little bit racist, I admit it!).
Few, however, connect this activity to money laundering and stolen goods, and here the question becomes much more serious and more smoky. Paying cash means gold in a lot of cash available, and who can always have a lot of cash on hand? Who, for example, selling drugs or being enriched in an illegal way, to circulate the 'dirty' money by buying old gold, could be a great way to "clean up" what is not clean is. The
doubt that there is something strange, and still does not dim.

Meanwhile, many new "buy gold" will open in January 2011?

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Capitalisation of the Company

The main criticism that is given to our economic system (as a whole but especially referring to the small and medium enterprises) is to not have a sufficient capital base or, alternatively, of being under-capitalized.
But what is the importance of having a company capitalized and the negative consequences of not having, even though the entrepreneur in the possession of capital goods?
We will see below, looking fqre simple examples of the limits of idiocy, do a little clarity.
First, we clarify what it means, technically, have a company capitalized: It 's common knowledge that the value of a company is its ability to create income, that is to take profits but also on the equipment capital, arbitrarily Call them his "property", and a proper assessment can not 'consider ignoring the other. While for some there may be difficulty in distinguishing income from assets, we think of a dispossessed who earns € 2000 per month (income) and then the same person, same salary, but not three-owned apartments in the center of Monza, and who prefer to ask the hand of your daughter?
E 'is therefore clear that the company's heritage is a quantity that is built over time, building warehouses with mortgages, acquiring machinery on hire purchase so maybe' on. Unless, of course, the entrepreneur does not make a big investment of his own pocket for cash and immediately acquired an asset of the Company. Here are but 'the first catch: For years now we have been brainwashed about the convenience of a lease instead of a loan, and therefore, our companies have leased and not invested, as the redemption of the property was an ephemeral value on the balance sheet.
In practice, the suitor of our daughter has a good salary, and has three apartments for rent with the right of redemption. How do you see? It will have three apartments in the future, but meanwhile, now has to pay the rent.
was equally clear that, for tax purposes, the lease allowed to download increased costs, and then consequently pay less tax. For years, so our companies have packed their profits and therefore 'saved in taxes.
Back to our daughter: the young man that he is presenting three rent to pay, it has nothing payable plus earn much less than we expected and we can not understand how it could maintain (And not be retained) from our daughter. If, unfortunately, a marriage took place, he has lost his job and not take it anymore to pay the rent, he and our daughter would be under a bridge or, more likely, go home to be parents' house.
Got the idea?
Now we replace the parent must give consent to an official of a bank, and replace the young lieutenant with three no-rent and low wages with an entrepreneur with no property with the lease on his shoulders and a annual profit of a few thousand euro (not dozens), and replace the request for marriage to a request for a custody or a loan.
simplifying the concepts, the juice is clear, unfortunately.
Years of management aimed to maximize profits and minimize tax rebates, as well as act as a single horizon of the tax assessment has led our Company to be suitors unattractive for banks.
also one of the main terms of assessment of banks and investors is the relationship between capital (defined as assets) and operating payables, an index for SMEs is always difficult to interpret.
How to resolve the issue then?
Certainly not by paying more taxes and raising the profits, but surely adopting a behavioral strategy and management that not only has the IRS as a single source, but frames the Company in its complexity and completeness, then relations with other possible partners, such as prospective purchasers, prospective donors, prospective business partners. The strategy must be comprehensive and at 360 degrees, and if patience, you will pay a few euro more taxes, it will be worth much if we can get our heads held high in the bank or, in the face of a new member-elect, we can properly evaluate the share that we are selling.

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Basel 3 and Business Impact of Basel

The need to put hand to the regulation of the banking system to put limits on the autonomy of the bank in order to manage its own capital, not saying explicitly that it is forbidden to move and manage securities or speculative, but by increasing the provision of money to deal with the credit risk of that provision and jointly raising the levels of minimum capitalization threshold (ie the relationship between venture capital and its assets) has led to a redefinition of the central banks Basel, now in its third version.
In detail, the current minimum requirement for total assets remains unchanged at 8% of risk weighted assets, but the institutions that now keeps the 2% as common equity in the current regime of Basel 3 will have 4.5% of this capital of quality than that, and the Tier One, that the index of the core capital of high quality inclusive of equity, from 4% to 6 percent. In practice, the first direction of the new agreement is to increase the quality of assets in the portfolios of banks.
Secondly, we will have a buffer (buffer) capital "stock" of an additional 2.5% more and high quality, however this may also be increased in economic phases particularly critical, therefore to increase the Institute's financial stability.
However, the application of these requirements is expected very gradually, and not to adversely affect the tentative signs of recovery in progress, is not immediately trigger a further tightening of credit to the private and business.
The first changes are a gradual raising of capital requirements from 2013, until completion of the structure in 2020 and exclusion from the banking assets of state aid (like the Tremonti Bonds to understand each other) only by 2023.
said in a simplistic way (economists are horrified when you simplify too much) we have to treat a patient, but we fear that the drugs not hold, then while we make the recipe and then we'll see. This
wait, formed by reactions of fear of credit crunch by banks, it is the part of the agreement that leaves more perplexed.
escapes the sense of a more regulation over ten years of a financial market that has some very fast times and that, God forbid, could go into crisis and recover three more times between now and 2020. not forget that the financial crisis originated in a short period after all, with an exponential multiplication of toxic assets and that in twenty months or less burned billion euro in value around the world .
On the other hand, the intervention Basel Three is gentle on the face sheet, as is the ability to take credit for banks, forcing them to set aside money and not invest it with the same system of risk weights, well known by our companies, which raises the rating of a customer above everything, creating a real barrier dividing between those who have more money and that you do not. A further restriction of credit to businesses at this time, would have a catastrophic effect on the possibility of economic recovery and companies surviving the first credit crunch.
Tempering time the entry into force of the third version of the expected (the conditional is a must) to avoid having immediate impact on the financing companies. In fact, this writer doubts on this subject, as with the experience of many decades of living, interacting with the banks, it is likely that some further tightening in a very short time if there is not immediate.
not forget that, in substance, against the outcry of thousands of entrepreneurs just squeezed past credit hardening, the substance of the response of the bankers was about the inevitability of a Darwinian selection of the economy, as if all those who were in difficulty, they deserve to reckless conduct their business in the years before. Of course, among many, certainly had some lived on the shoulders of his company, but make every lump is throwing baby and bathwater. Preparing
therefore a likely tightening of criteria for granting credit by banks is therefore recommended caution, especially for SMEs with low capitalization, have budgets that are structurally unsuitable to be judged by the strict mathematical procedure of the rating.


Your Company is in place to Basel 3? Ask for a free consultation .

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You do not exist in me

.

See how it shines the world around us

while we distract us from the usual, great

melody of our dreams.

's all a whirl light bold, brash,

and greed of our eyes can not see beyond.

You can see what lies beyond, Ephram?

Can you grasp the overwhelming emotions

who live in my heart?

vortices in me so fervently that he

he could grasp,

even part,

I would escape.

Resting in the corner of my desk,

immobile spectator of my pains,

watching me plant my sweet,

while its thick green leaves

close around the one bud

that prepares to be open in all its beauty,

unfolding for a moment

to life.

You will be writing to you all night

if only I could.

But the only one, fleeting thought that

you there

shatters me.

.

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78 Artists x 78 Years 6240 Works - The Art of Production Design Exchange


My Quadretti 80 (Title: Key Combinations) that received a Special Recognition of the First Edition of the Prize Sergio Ban "

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Bottom of the scenery for the show
entitled "La Bottega Fantastica"
by Misery & Noble
design created by Fabrizio Bonanni with Simona Orsini and longing Palombi


photo finished work


and I to Simo Working ...


photos during the process ...

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"The Distance of Light"


My new work, acrylic on canvas 50 x 50, this picture is meant to represent the distance from the light source, the viewing distance, the same distance between us separates from the answers .....

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My City ...


" Planet City "
Watercolor on paper - 12.5 x 18 - 2010 - Fabrizio Bonanni


" Water City"
Watercolor on paper - 12.5 x 18-2010 - Fabrizio Bonanni