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My son, 35, works in Malta for a British marketing company, which does not pay social security contributions. He only paid INPS a year of contributions from the diploma in education science that I bought back and then I left and an acting year at Sky. I would like to badure him a decent pension when the time comes, not even knowing if he can return to Italy to work or not. I ask you, if you do not fit: a) what type of funds to choose, pension or equity type common? b) Is it possible to deduct a portion of the payments if I do them? c) to get a pension of 2000 euros per month how much should I pay?
GIUSEPPE L.
From the Maltese headquarters of the Italian employers Encal we have kindly given this information on the local situation, which the young can check with the Social Security (Ssd, equivalent of the INPS): " In Malta the pension is managed by the SSD There are no special funds or private pension funds like those of the lawyers or architects present in Italy It is not clear that we can make voluntary tax benefits.If you want to combine the public pension with a form of savings, you have to apply for insurance and get a policy against the risk of long life, which works like a supplementary pension. " In Italy, the father does not have the possibility to pay a sum for social security purposes for the son residing abroad, which is not fiscally dependent on him. child checks on the spot when he has subscribed a pension fund in so n name and offer tax benefits. Perhaps helped by his father, he could follow this path. If you work in a company that allows you to pay part of your salary in a supplementary pension fund, be it a company from Malta or elsewhere, you agree: employers usually compete with their share, as in Italy. If the only way is one that is purely private, there are two options: a life insurance policy, underwritten by the father with the beneficiary of the child, or a fund accumulation plan or ETFs. At first, both products should have a strong equity component, gradually decreasing the risk as the retirement age approaches. Impossible a prediction on the cost considering the variables (age, duration, chosen portfolio, etc.), but if the target is 2000 euros per month of income of 67 years, it will accumulate a considerable amount: the simulations of sources of Insurance say it could be reached around 12,000 euros in initial annual payments.
The Redemption of the Police
In 2001, I signed a contract for Europension tax benefits with periodic payments. Last year, I was fired and asked for the redemption of the policy, authorized in case of dismissal. At the time of the liquidation, I retained 23% of my capital provision, not capital gains. I would like to point out that I have been quoted each year from my provision for paying taxes on annual capital gains. This seems absurd because I had already paid taxes on my paychecks. What can I do?
MORENA M.
Mediolanum Vita, as we asked for clarification, replied: "It should be noted that the stipulated contract belongs to the category of individual supplemental pension schemes, which provide for the imposition of different from that normally applied to financial and insurance products. First of all, the legislation allows a tax break given by the deductibility of annual premiums paid by the total income of the policyholder, in the annual limit of 5,164.57 euros. Compared to this benefit, which reduces the taxable base, at the time of disinvestment (even in the event of early repayment), the repaid capital is subject to tax for the part relating to the deductions made. In other words, the capital is taxed to the extent that it has benefited from a deductibility of payments. It is understood that, if the participant has not deducted the premiums, no taxation will be made on the principal repaid at maturity or redemption. Capital gains accrued in the policy are excluded from the tax base since they are already taxed year after year. Finally, it is specified that the tax system is governed by the Circulars of the Revenue Agency n. 29 / E of 2001 and 70 / E of 2007 and the same is duly explained in the policy documents. Mediolanum Vita remains available to investigate in detail and in person the contractual situation of the client, so as to leave no doubt about the criteria applied.
The distance between home and work
An unemployed person to whom the Inps pays the Naspi is forced to accept a job offered by the employment center, on pain of losing the allowance.
ROCCO BILLI
He is forced if the job offer is "congruent", ie consistent with the job experiences of the unemployed person. In addition, it is established that if the place of work is not more than 50 km from the house and if you take public transport, it does not take more than 80 minutes. If it collects the Naspi for more than 12 months, the two numbers increase to 80 (km) and 100 (minutes) respectively.
The duration of the allocation of Naspi
I applied for unemployment benefits in Naspi and I am waiting for the payment of the INPS. In the past four years, I have worked three years and two months. Am I entitled to 2 years of compensation?
V. O.
Payment of 2 years is provided when the previous 4 years are fully covered by contributions. You will have allowance for 19 months (half of 3 years + 2 months).
Communication to start working
Renovation work will begin in the bathroom of my apartment in the next few days (replacing the bathtub, laying tiles, changing bathroom accessories). Should I inform the administrator of upcoming work and, if I do not do it, do you run the risk of incurring a penalty?
million. R.
Article 1122 of the Civil Code provides that "in the real estate block that it owns or in the parts normally intended for common use, which have been attributed to the exclusive ownership or intended for individual use, the condominium can not perform work that damages the common areas or that damage the stability, security or architectural decorum of the building .In all cases, the administrator who relates to the meeting is warned in advance. " In this case, being structural works that could have consequences on the properties of other condòmini (think of the piping and drainage system), it is necessary to notify the administrator, who will update the rest at the first badembly of participants In addition, a building site in the apartment can create inconvenience for the condominium community, which must therefore be notified .
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