Wednesday, December 31, 2008

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Minutes of meeting of the parents of December 15, 2008

MINUTES

ASSEMBLY OF PARENTS

of the high school gymnasium, T. RATE

OF 12/15/2008

On December 15, 2008, at 17.00, it was meeting at the Great Hall of the Gymnasium-Lyceum T. Rate of Rome, the Assembly of Parents of pupils to discuss the following items on the agenda:

  • Election of the President of the Parents
  • Discussion and proposals on development of the school year in progress

There are about 45 parents, nearly all class representatives. There are also Perna Walter and Donald Capone, two of the four newly elected representatives to represent the parents in the School Council. Perna says that in the first session were also assigned the following tasks: W. President Perna CDI, D. Capone and Vice President Corrado Cheat member of the Executive.

Before discussing the points on the agenda, the manager, M. Letizia Terrinoni, rose to greet those present. He met briefly with his parents, setting up a debate that touched on various topics of the improvements under way in the building, standing problem of interviews with teachers, especially in conjunction with the end of the quarter and the "school report" interim.

Then, after the manager left the meeting, you decide to reverse the order of the discussion points on the agenda, to give continuity the arguments already addressed in part by Prof. Terrinoni.

With regard to difficulties encountered in carrying out the interviews with teachers, are some proposals regarding the methodology, such as limited number of listings, reservations and weekly in particular periods. It also sought ways to increase the number of tea parties (provided twice a year and are particularly useful for parents who find it difficult to be absent from work in the morning, sometimes in vain for overcrowding of lists), or otherwise distribute them throughout the 'year, in order to contract in conjunction with the deadlines above.

Alcuni dei presenti osservano, tuttavia, che gli insegnanti hanno uno specifico numero di ore da dedicare ai colloqui, già totalmente utilizzato, ferma restando l’ampia disponibilità sempre dimostrata da parte dei singoli docenti a ritagliare ulteriori spazi in caso di necessità.

Un genitore chiede se sia possibile recuperare i giorni in cui si è svolta l’occupazione sopprimendo il periodo di chiusura previsto nel il mese di febbraio. Walter Perna riferisce che la settimana di chiusura fa parte del calendario scolastico deliberato dal CdI nella seduta del 1/7/08 e che, pertanto non può essere “compensato” con la sospensione delle lezioni per l’occupazione.

Lo stesso genitore che aveva avanzato la precedente richiesta, invita a valutare la soppressione, per i prossimi anni, della pausa di febbraio in sede di definizione del calendario scolastico; viene tuttavia rammentato che, oltre alla motivazione di “traslare” una settimana dal pentamestre al trimestre, al fine di concedere più tempo alla didattica nella prima parte dell’anno, c’è una volontà di dare un indirizzo alle famiglie del periodo in cui effettuare la settimana bianca, evitando assenze di piccoli gruppi di ragazzi in un periodo più esteso.

Riallacciandosi alle migliorie interne dell’edificio scolastico, the parent in question would like to see maintained the exterior decoration of the building and proposes the installation of cameras to monitor for vandalism. As part of that discussion reveals some difficulties, such as identification dell'incaricato to check these records and the identification of possible makers.

Ample space is then devoted to discussion of how to improve communication and information school / home, also in order to broaden the involvement of parents in meetings and have a better comparison, especially useful for parents who need to be in that category School Council.

part of a more efficient information site Liceo Tasso, some proposals are: the publication of the school budget and the reports of the Class Council, the ability to access information about their child (absences, grades) via password-protected private area. Regarding the reports of absences by the school to parents, present reports that are sent to another school within the same day via SMS.

is strongly and unanimously called for greater scrutiny by the persons responsible for compliance with the ban on smoking in schools, considering that also, and in particular, the court procedure.

At this point we get to discuss the first item on the agenda - Election of the President of the Parents. Pier Francesco Belluzzi, the outgoing president, encourages parents to come forward with these applications, renewing his willingness to take that office. There being no further nominations, asked those present to ratify a show of hands Belluzzi's election as President of the Parents of the Rate: The Assembly unanimously approved.

At 19:00 the meeting was closed.

THE PRESIDENT

ASSEMBLY OF PARENTS

PIER FRANCESCO Belluzzi

Friday, December 5, 2008

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Subrogation and replacement of the mortgage

From 2007 to change their home loan costs less, thanks to the reduction or cancellation penalty of extinction. In addition, Law No. 40/2007 (Bersani Law) and the Budget Law established costs nothing for subrogation or portability, a simplified procedure for "transfer" il proprio mutuo da una banca ad un’altra e modificare i parametri del mutuo stesso (senza variare il debito residuo), rendendo ancora più facile e conveniente la sostituzione del vecchio mutuo.

Grazie alla surroga, in base alle tue esigenze potresti, ad esempio:

cambiare il tipo di tasso (fisso, variabile o misto) che avevi scelto;
abbassare il peso degli interessi sulle rate, riducendo il costo del debito;
allungare la durata del mutuo (fino a 40 anni) e di conseguenza ridurre l’importo delle rate.
Se lo desideri, oltre all’importo per estinguere il tuo mutuo, puoi ottenere una rilevante somma aggiuntiva che potrai utilizzare come preferisci. Tieni conto che il valore degli immobili in Italia è cresciuto in media di oltre il 40% negli ultimi 5 anni: puoi così trasformare subito in liquidità l’aumento di valore del tuo immobile. In tal caso la sostituzione del mutuo avviene mediante una procedura differente dalla surroga, comunque con costi molto ridotti.
Nel 2008 è stata anche definita una convenzione ABI - Ministero dell'Economia per rinegoziare i mutui a tasso variabile accesi fino al 28 Maggio 2008. Le banche, entro il 29 Agosto 2008, devono inviare ai clienti una lettera informativa sulle diverse soluzioni disponibili per chi vuole modificare il peso del proprio mutuo: surroga, sostituzione e rinegoziazione.
I clienti hanno tre mesi di tempo per comunicare se desiderano applicare le condizioni di rinegoziazione al proprio mutuo.

Con la rinegoziazione, le rate a partire dal Gennaio 2009 verranno calcolate secondo il tasso medio del 2006 e mantenute costanti. Il mutuo però resta a tasso variabile, e la differenza tra la rata originaria e quella costante si accumula su un conto aggiuntivo, che verrà rimborsato (sempre a rate costanti) solo dopo la fine della durata originaria del mutuo e con l’aggiunta degli ulteriori interessi maturati.

Si tratta quindi di una sorta di dilazione di pagamento, ma non è possibile determinare con certezza la durata ed il costo aggiuntivi del mutuo rinegoziato.

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Thursday, December 4, 2008

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