Continue the crisis now afflicting the market for cars in Europe.

According to data published by the European Auto Manufacturers Association (Acea) in February 2009 the car market has registered a 18% in sales compared to the same month last year.

The figure of the Italian market of car is the worst in Europe with -24.4%.

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Not all investment relationships namely the protection of the interest.

In this article we examine what guarantees are available for those who have invested their money in accounts cointestati, bond, Poste, ready / run.

Not only are bank deposits appeared to be protected by interbank fund.

Given that deposits are protected up to 103,000 euros thanks to the interbank guarantee, we want to know what happens, however, investments made at the counter, such as repurchase agreements, or investment in securities and in bonds? And in the case of postal products, what happens?

Here is explain all the protections provided by law.

In case of multiple accounts and accounts cointestati: The guarantee fund provides for the protection of 103,291.38 euros per depositor. That means that if you have several accounts in one institution for the implementation of the level of coverage is to combine the various deposits accounts, and the sum assured is equal to 103 thousand euros and expected nothing more. In the case of accounts cointestati Instead, each of the agents are entitled to reimbursement of up to 103,291.38 euros. For the purposes of calculating the regulatory Directive 94/19/EC, under which a joint account to be considered divided in equal proportions among depositors, unless specific provisions. If, however, the accounts are the same person in different banks, each worth the limit of 103 thousand euros in the manner described above.

Investment in securities and assets of the bank: As regards the investments at the counter there is no automatic guarantee provided by the credit. The various titles dossier does not flow into the assets of the bank which means that in the event of liquidation, remains separate from the investments made. So who bought Bot or any other evidence of the state, as well as those who have subscribed to shares or bonds of other companies, will always remain the owner of the securities purchased and thus will not have anything to fear. Its portfolio securities, in essence, will not suffer any repercussions on the performance of the bank accounts, as the bank is only by "parking" but can not in any way handle titles that are not yours.

Investments in bonds and the failure of the bank: Looking at your file titles, therefore, we must consider only the risk of the issuer of the securities themselves. In the case of bonds, which are evidence of debt repayment with capital guaranteed, the owners, against the failure of the company, have the right to participate with other creditors, the distribution of the proceeds arising from the sale of the company's business . So if the bonds were subscribed issued by credit to the strength of that we need to look okay. If you are inspired by other broadcasters, we should monitor the company knowing that in case of bankruptcy of the bank will remain the owners of those shares.

No guarantee on Swaps: A totally different case, however, is that investment in repurchase agreements. With this type of operation, in fact, lend money to the bank in exchange for a guarantee that puts the securities it holds. Who subscribes to purchase a package of securities "spot" that the bank undertakes to buy back "out" at a higher price. In this case the risk does not reside in the value or type of securities on which the transaction takes place, since the bank guarantees to buy back at a time and to set whatever value the performance of the market and hence its value at that particular time, but rather in the position of the bank. In fact - as indeed should be in all contracts of this type - the operations of repurchase agreements are not among the forms of collection covered by the guarantee of the interbank. Consequently, if the bank fails the money invested is lost forever. It is also possible to obtain early repayment of the sums invested in the PCT only if it is expressly stated in the purchase contract. We must not, therefore, to assess what is the number of securities involved in the transaction but rather the health of the credit institution to determine whether the investment may or may not be considered safe.

Good post I fully guaranteed by the state and therefore fully protected from any disturbance of the market. It 'true that Bancoposta not accede to the interbank guarantee, but only because all postal products such as vouchers are guaranteed by the state. The same applies, of course, for deposits: Poste spa, in fact, is a public company controlled by the Ministry of Economy.

The Italian savers to resist the panic of the market crisis and stock markets and 87% is not the time to sell shares, funds and bonds to ensure its liquidity.

Despite the news flying the collapse of financial markets, 87 per cent of savers who have investments, respondents from ipr Marketing in the survey carried out for Repubblica.it, that is not the right time to sell their securities, and that it is better "waiting".

A third of respondents (32 percent) has investments in shares, bonds or equity funds. A significant number of savers, especially in the north where the percentage rises to 37th It was obviously scared, but not enough to act now: the "sell and restore liquidity" is chosen by only 8 percent of respondents.

Sell and invest in other sectors, such as property, is a good idea to only 2 percent of respondents, while 3 percent said it "no opinion". The percentages vary a little 'if you divide the respondents by area of residence. In fact, in the South Island and 90 percent of investors believes that it is better to wait and see what turn events take, while at the Center, this percentage drops to 74, and conversely, always at the center, rising to 15 the percentage of those who believe that it is appropriate to sell to recover liquidity.

Most concern to the Center, but also more nervousness among young people. In fact, the percentage of those who do not intend to sell your package securities falls to 76 per cent of respondents aged 34 years, while adults (persons between 35 and 54 years) to declare 93 per cent of the idea of "waiting". Only 3 percent of adults is also for disposal of securities, compared with 12 per cent of young people (rising to 13 if you also sell to those who invest in real estate) and 11 percent of the elderly.

In contrast, adults show a little 'more oriented towards young people a sale of securities aimed at a real estate investment (4 per cent against 1 per cent of young people). Looking at regions, expresses a preference for the slightly higher investment to the North (3 per cent against 1 of the Center and South).

The poll was conducted yesterday, October 6 (day in which the stock exchanges in Europe have burned 450 billion) through a panel of 1,000 citizens living in Italy, disaggregated by gender, age and area of residence.

It is finally down the road for the Italian national airline Alitalia. After hours of heated negotiations, formal or not, the confederal unions have found the agreement at Palazzo Chigi on again by Cai with additions for some "hot" as the issue of precarious. So, not only Cisl and Uil Ugl, but also the Cgil said yes: after the news was leaked, the Secretary General Guglielmo Epifani has however denied by explaining that you want to first read the lyrics. Then, the official announcement: the agreement is there, and the signature as well.

Now the word to self: the opposite of "no" will meet in the afternoon to make a decision. An openness to personal flight was made by Rocco Sabelli, for the Cai: will guarantee invariance of pay. It is now up to them to decide. Undersecretary to the Presidency of the Council Gianni Letta said that the table will be open until 20th This morning, Air France-KLM has said it is ready to take over a share between 10 and 20% of Alitalia: according to industry sources the agency AFP, a spokesman for the Franco-Dutch giant does not comment on this article and refers to the press release of the airline, which said that Air France is ready to detect a minority of Alitalia. "Nothing has changed. We are continuing to observe the situation of Alitalia very closely but does not issue any comment. We confirm that for us the Italian market is interesting and important, "said Claudia Lange, corporate spokesman of the German airline Lufthansa.

"After a long journey we finally arrived at the goal and we have defeated the party of failure, the party aware of the proponents of the bankruptcy," said the secretary of Cisl Raffaele Bonanni. "We are very pleased - he added-and they were rewarded the efforts of those who believed from the start the agreement." Epifani on the same line: "It was reached quite positive overall." This proves - he added - that one can be responsible and make good agreements. Through clarifications and additions to bring it allows us to respond to some issues remained unresolved. Epifani explained how it was very important to the reference to the precarious: "It gives hope to hundreds and hundreds of workers for which there was nothing." The minister stressed the Sacconi: 'Who will not be taken by Alitalia or associates have a solid income with the layoffs. There is a strong commitment to their relocation. The first to be selected, even for a fixed term, will be the cassintegrati who had a job for an indefinite period. Then it will be the turn of those who had a temporary contract.

"It is a good thing for workers and the airline," said Veltroni. "This is what I expected and that is what I said would happen."

As revealed by the International Monetary Fund "financial markets and all the European stock markets and world remain under substantial pressure for the whole of 2008 and for most of 2009."

E 'quanto si legge in the draft of the World economic outlook, anticipated anxiety.

Despite the strong support by the authorities to prevent systemic collapse, "a further deterioration in financial conditions is a serious risk."

According to the director of the IMF, Strauss-Kahn, the recent crisis "represent a potential risk for world economic growth."

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