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Switzerland vs. Italy / The lease

The first year of the master is finished and unfortunately has presented the problem of changing accommodation. Geneva real estate market is saturated. Despite a furious bustle of people due to the presence of banks, international organizations and the CERN physics, monopoly rents are powerful régies, a sort of hybrid between the building managers and real estate agency. Because of the increasing popolazione e la decisione di non costruire nuove case nelle ultime aree verdi del cantone (i nuovi palazzi vengono ormai costruiti per i pendolari nella vicina Francia) i prezzi volano.

Arrivano a chiedere 500 euro al mese per una microstanza dotata di letto singolo e nient'altro. Per la serie, mi alzo e mi sveglio dando una ginocchiata al muro. Il prezzo medio per una stanza accettabile è di 700 euro. Tuttavia, qualsiasi bolletta è inclusa nel prezzo.

La cosa che più mi ha colpito nella mia ricerca di un affitto è che nessuno mi ha mai chiesto di farlo in nero. Credo che qui il nero sia associato a un pericolo per il locatore, il quale teme che l'inquilino possa danneggiare o impadronirsi dell'appartamento without adequate safeguards.

The Swiss law also clearly favors the tenant (the tenant), then the landlord tries to protect himself as he can. Asking such a deposit of three months, usually about 2000 €. However, the sum should not take fright. All Swiss banks offer a fixed deposit, garantie de loyer, the tenant opened in his name. The tenant, however, can not withdraw the deposit without the signature of the landlord. At the end of the contract, if there are damages, the tenant regains deposit. It 'obvious that banks ask for a copy of the opening of the account.

But what happens if the landlord is the smart and refuses to sign the end of the deposit? For example, it could be argued that there were damages. Do not worry. There is ASLOC, the Swiss association of tenants. By joining this union 55CHF for only a year (just under 40euro), you are entitled to free legal aid. That is, if you sue and you're right, you have lawyers, they think the cause and begin to ask for compensation for legal costs when you win. So, at no cost.

addition, the labor court of the canton of Geneva takes on average 90 days for a decision at first instance and another 3 months for the next grade.

All this makes me feel safe and well protected. Even in a normal atmosphere of mutual distrust and suspicion, as between owner and tenant.

Having never lived alone in Italy, I wonder how the average situation beyond the Alps or other countries outside Europe. So if you have time, it would be interesting to compare your experience with my in your comments. The weather here sucks, but at least a lot 'of uncertainty stop at the door!

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Interest Rates

rates are very gentle and graceful animals, spread throughout Europe thanks to the continuous attention of central bankers. The most famous center for raising rates is located in Frankfurt, the Banca Centrale Europea.

Centinaia di tassi affollano una grande stanza. Questi tassi vengono cambiati ogni notte, da cui il nome di tasso overnight. I tassi si trovano su un grande ripiano, posto, diciamo, a un livello naturale. Naturale perché è l'altezza che i tassi trovano ottimale per scendere e salire dal tavolo, per mangiare dormire e fare i loro bisogni.

Ogni mese, i gestori dell'allevamento, i banchieri centrali d'Europa, si riuniscono nella stanza per osservare i tassi con interesse. Da cui, tassi d'interesse.
Si ritiene infatti, che alzare o abbassare i tassi (ossia, il tavolato su cui vivono) abbia delle ricadute positive o negative sul resto del mondo, in particolare sull'economia europea.

Alcuni studiosi ritengono che alzare i tassi è uno spettacolo assai gradevole, motivo per cui gente da tutto il mondo accorre in Europa per vedere i tassi più alti, e per comprare i biglietti aerei per Francoforte, vende dollari per euro, e l'euro si rafforza.

Tuttavia, le imprese odiano i tassi, specialmente quando sono alti e possono fare la pipì sulla loro testa. I tassi mettono in fuga incredibilmente degli animali predatori, come i Tori di Borsa, i quali sono allevati da ogni imprenditore che si rispetti. I tassi alti saltano facilmente sulle corna dei tori, i quali, in preda al panico più atroce, fuggono o muoiono.

Eppure, i tassi non mangiano i tori. How could they? They are so small! This rate of breeding, interest rates, ranging from good vegetarian greedy for a special type of shrub that grows very quickly, the strains of inflation. These plants are grown in the same room in Frankfurt and their sweetest buds grow on top of steles. So, it appears that most rates are higher, they can eat and contain strains of inflation. As if the rates are down, the logs are not eaten in the room and formed a big jungle. With the danger of suffocation rates, too.

The delicate balance of life of these rates is the study of so-called monetary economy (ie the mona). It requires years of intense studies that can send your brain into mush, just as it just went my ..

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The Constitution of Kosovo

The Kosovo Constitution entered into force June 15. E ', surprisingly, a beautiful text. Not surprised the references to the euro-Atlantic institutions, market economy, the UN treaties on human rights. On the other hand, Kosovo was established with the goal of European integration.

I did not expect, however, such a clear reference to respect for international law, that in part to silence many of the accusations against the Albanians.

Article. 1 said that "Kosovo has no territorial claims, nor seeks union with other states (Ed Albania) or part of other States (Albanian minority of Macedonia and Serbia, Valley Presho). "So, no irredentism.

Article .5 protects minorities. National languages \u200b\u200bare Albanian and Serbian (spoken by less than 10% of the population). The Bosniaks, Roma and the turkish are entitled to municipal protection.

. Article 8 says that "a State secular and neutral in religious terms. "

Article. 7 equates legal all ethnicities . And the equal protection of woman to man.

Article .9 that artistic and cultural heritage must be safeguarded (Ed. Serbs fear that the Albanian Muslims from destroying the medieval Orthodox monasteries that are located in Kosovo).

But we come to human rights.

Article. 22 places itself above the law eight distinct national conventions UN and EU .

Article. 24 is one of the most modern and liberal in the world. "No one should be discriminated against based on race, color, gender, language, religion, opinion, national or social origin, relationship with any community, property, economic and social condition, sexual orientation, birth, disability and other personal status."

Article. 25 to prohibit the following death penalty, torture, slavery and other abuses.

Finally, articles of interest to Binetti, the # 37 "right marriage and the family."

"On the basis of free will, all have the right to marry and found a family in the manner regulated by law"

paragraph 2. "Marriage and divorce are regulated by law and are based sull'ugugaglianza spouse" (I had never seen a divorce in a constitution before!).

you see that with such a constitution, Kosovo, and poor Muslim state, legalization il matrimonio gay prima dell'Italia?