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Sempre Più Importante Una Tutela Mirata

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Sempre Più Importante Una Tutela Mirata 32° anno, novembre/dicembre 2009 Magazineper i soci e i clienti delle Casse Raiffeisen dell’Alto Adige Previdenza e assicurazione Sempre più importante una tutela mirata Negli ultimi anni, le forme d’integrazione privata si sono rivelate un pilastro fondamentale . della tutela personale, a cui è legato un elevato livello di responsabilità nei confronti di se stessi e della propria famiglia, nella protezione dai rischi e nella pianifi cazione a lunga scadenza. A questo proposito, le Casse Raiffeisen offrono un servizio di consulenza a tutto tondo. Bonifi ci Assicurazione Acquisti su internet Tempi d’esecuzione Responsabilità e Maggiore sicurezza più brevi tutela giudiziaria grazie a V-POS pagina 9 pagina 15 pagina 20 sped. in a.p. – 70 % – fi liale di Bolzano I.P Bolzano di liale fi – % 70 – a.p. in sped. Raiffeisen Magazin 1 | 2009 1 Scudo fiscale. Il pacchetto d’interventi a sostegno dell’economia varato dal governo prevede la possibilità, nel periodo tra il 15 settembre 2009 e il 15 dicembre 2009, di effettuare il rimpatrio o la regolarizzazione dei capitali detenuti illegalmente all’estero. I vantaggi: • particolare tassazione agevolata • riduzione delle sanzioni fiscali e valutarie • garanzia dell’anonimato Possono avvalersi di quest’opportunità le persone fisiche, gli enti non commerciali, le società semplici e le associazioni equiparate. Informatevi ora presso il consulente della vostra Cassa Raiffeisen. Messaggio pubblicitario Messaggio www.raiffeisen.it - Editoriale Panorama 4 Attualità dal mondo Raiffeisen. Infobox. Il commento. Cari lettori Tema: tutela mirata 6 Previdenza e assicurazione. Una tutela mirata è sempre più importante, per Vi sentite suffi cientemente proteggere dai rischi se stessi e i propri tutelati nel malaugurato caso familiari e pianifi care a lunga scadenza. che qualcosa non vada per il verso giusto? Banche & economia Per citare solo due esempi, la 9 Pagamenti europei. Europa sempre 6 Previdenza e assicurazione. È più unita. modella Heidi Klum ha assicu- sempre più importante pensare alla rato la sua gamba destra per un tutela personale, per proteggere dai 10 Mercati fi nanziari internazionali. milione di euro, mentre Cristiano rischi se stessi e la propria famiglia Commento di borsa. Mercati azionari. Andamento indici. Valute. Fondi. Ronaldo, sui suoi piedi d’oro, ha e pianifi care a lunga scadenza. messo un capitale di centinaia 12 Intervista. A colloquio con di milioni. Sbirciando in rete, scopriamo anche che Anton Silbernagl, presidente della Cassa Raiffeisen Castelrotto. Michael Schuhmacher, ogni anno, spende cinque milioni di euro in polizze assicurative. Assicurazioni Al contrario, gli altoatesini investono mediamente 1.400 14 Responsabilità civile e tutela euro in assicurazioni, un po’ meno della media naziona- giudiziaria. Quando si parla di le, ma è diffi cile valutare se siano tutelati adeguatamente controversie: due polizze a confronto. per le loro esigenze specifi che, come in caso di malattia 15 Rischio locativo. La giusta copertura e infortunio o per la responsabilità civile. per l’inquilino. Lo stesso si potrebbe dire anche della previdenza: se è Diritto & lavoro vero che nella nostra Provincia un dipendente su tre ha 12 A colloquio. Anton Silbernagl: “Il presidente vigila sul buon funziona- 17 Cooperative edilizie. Abolita aderito a un fondo complementare, molti lavoratori fanno mento e sull’equilibrio dell’azienda, l’agevolazione fi scale. ancora affi damento esclusivo sulla pensione pubblica. ed è il garante dell’orientamento cooperativistico della banca.” 18 Politica energetica. Chi risana un edifi - cio può usufruire del “bonus cubatura”. Sottovalutare questo tipo di rischi può avere conseguen- ze molto gravi: leggete, a proposito, la nostra cover story. 19 Serie: i soci si raccontano. A colloquio Tra l’altro, oggi, le Casse Raiffeisen offrono un servizio di con Norbert Bacher. consulenza specifi ca per aiutarvi ad individuare il vostro personale fabbisogno in materia di tutela assicurativa e Tecnologia & media previdenziale. 20 Acquisti on-line. Con V-POS aumenta la sicurezza dei pagamenti con la carta. 21 Internet Banking. Raiffeisen Online Banking si conferma l’applicativo più sicuro in Italia. A colloquio con i tecnici Thomas Hanni responsabili. Uffi cio stampa, 18 Politica energetica. Chi risana Federazione Cooperative Raiffeisen energeticamente un immobile può avvalersi del “bonus cubatura”. Gente & paesi 22 Iniziativa natalizia. Le scuole musicali altoatesine e “brass vocal” insieme per donare il futuro. 24 Panoramica. Attività delle Casse Raiffeisen dell’Alto Adige. Consigli & svaghi 28 Escursione a Keilbachmoos. Alla ricerca dei “geyser di sabbia” in Alta Valle Aurina: uno spettacolo naturale molto particolare. Colofone. Editore: Federazione delle Cooperative Raiffeisen dell’Alto 29 Suggerimenti. Eventi. Retrospettiva. Adige; Via Raiffeisen 2, 39100 Bolzano (BZ). Autorizzazione: Tribunale 20 Acquisti on-line. Maggiore di Bolzano del 10.1.1979. Direttore responsabile: dott. Stefan Nicolini sicurezza negli acquisti con la carta 30 Tempo libero. Hobby. Ricetta. (sn). Caporedattore: Mag. Thomas Hanni (th). Collaboratori: d.ssa di credito, grazie a V-POS. Fumetto. Cruciverba. Borsa immobiliare. Monika Crepaz (cr), d.ssa Katia De Gennaro (kd), Irmgard Egger (ie), Dietmar Gamper, d.ssa Sabine Lungkofl er (sl), Olav Lutz, dott. Martin von Malfèr (mm), d.ssa Christa Ratschiller (cr), d.ssa Astrid Schweiggl (as), Suggerimenti & rubriche Christian Tanner, dott. Thomas Weissensteiner (tw). Fotografi e: pagina di 5 La domanda del mese copertina Hermann Maria Gasser, archivio (pagg. 3, 4, 5, 7, 12, 13, 15, 17, 18, 19, 21, 23, 24-27, 29, 30). Traduzioni: Bonetti & Peroni, Bolzano. 15 Il consiglio assicurativo Layout e produzione: EGGER & LERCH, Vienna. 16 Appuntamenti fi scali Stampa: Karo Druck sas, Frangarto. 17 Informazioni fi scali Contatti: Uffi cio Stampa Federazione Cooperative Raiffeisen, tel. +39/0471/945454, e-mail: [email protected]. Raiffeisen Magazine 6 | 2009 3 Panorama | Attualità dal mondo Raiffeisen L’ambientalista americana Julia “Butterfly” Hill visita i larici antichi della Foto: Ethical Banking Foto: Val d’Ultimo. Ecologia Julia “Butterfly” Hill, la ragazza sull’albero a sua incredibile iniziativa fly” Hill è una delle personalità di pagnata da rappresentati di Ethical è entrata nella Storia come spicco tra gli ambientalisti di tutto Banking, cui fa parte quale socia Luno degli esempi più riusciti il mondo. onoraria, Julia Hill ha visitato gli di manifestazioni a tutela dei bo­ antichi larici della Val d’Ultimo e schi e del patrimonio naturale. Il Lo scorso settembre, su invito di un progetto finanziato dalla stessa 10 dicembre 1997, Julia “Butterfly” Ethical Banking, l’attivista ameri­ associazione a favore dell’agricol­ Hill salì sulla sequoia millenaria cana ha presentato al Filmclub di tura biologica a Santa Geltrude. “Luna”, nei boschi di Headwaters, Bolzano il suo libro “La ragazza (th) California, rimanendo per 738 sull’albero”, riuscendo a conqui­ giorni a un’altezza di 60 metri dal stare il pubblico con i dettagli del­ Per saperne di più: suolo e scendendo a terra solo una la sua iniziativa senza pari contro www.ethical-banking.org volta vinta la battaglia contro il suo il disboscamento. Durante il suo abbattimento. Oggi Julia “Butter­ soggiorno in Alto Adige, accom­ Il commento La cooperativa edilizia, un modello per obiettivi ambiziosi Il modello dell’attuale cooperativa edilizia è sorto verso Siamo convinti che la cooperativa sia un modello dal fu- la fine del 19° secolo, in un’epoca in cui gli alloggi non turo garantito. Al fine di assicurare a queste strutture il erano accessibili ai lavoratori. Oggi, in una fase storica in miglior servizio possibile, da tempo l’associazione Arche cui gli immobili sul libero mercato hanno subito fortissi- collabora strettamente con la Federazione Raiffeisen. mi rincari, le cooperative stanno vivendo una sorta di ri- nascita. A mio avviso, uno dei motivi è da ricercare nella Insieme stiamo mettendo a punto una banca dati per le sempre minore disponibilità di terreni edificabili anche cooperative edilizie: attraverso una piattaforma inno- se, d’altro canto, la difficile situazione economica spin- vativa, i soci potranno accedere alle esperienze di altre Josef Schöpf, ge molte famiglie a realizzare superfici abitative a prezzi realtà, della Federazione e dell’associazione stessa. Un presidente di “stracciati”: in molti casi, la costruzione di villette plurifa- tesoro interattivo d’esperienze, che ci consenta d’essere Arche im KVW miliari risulta più conveniente del 25% circa rispetto alle attrezzati per affrontare al meglio le sfide del futuro. casette a schiera. www.raiffeisen.it Tony Grubhofer, Hotel Austria a Bolzano- Gries, intorno al 1900 Infobox Maso chiuso Presentata la nuova 15a Asta d’Arte di Bolzano brochure “Il maso chiuso: sviluppi storici 500 lotti all’incanto e disposizioni vigenti” è il titolo del nuovo opuscolo, presentato abato 4 dicembre, presso la nonché numerose vedute altoate­ recentemente a Bolzano. Raiffeinhaus bolzanina, si sine e curiosità storiche. Sripeterà il tradizionale ap­ Il catalogo è disponibile gratuita­ In Alto Adige esistono 13.334 masi puntamento autunnale con l’Asta mente, da metà novembre, presso chiusi, oltre la metà di tutte le azien- d’Arte bolzanina. In vendita oltre tutte le Casse Raiffeisen. (th) de agricole provinciali. L’ottanta per- 500 lotti, tra cui opere di Koester, cento è in mano a un unico proprie- Moser, Stolz, Weber­Tyrol, De­ catalogo on-line: tario,
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