ACCOUNTS IN POCKET TO MR ... NO! Sai ched'è Statistics?
is' na thing needed eg 'is' an account in general the people who are born,
who is sick, it dies, who goes to prison and married.
But pe 'me curious is where the statistic has to do the percentage,
pe' street, there, the media is always the same pure co 'the person in need.
me explain: to them that if they do now according to statistics of
risurta that you touch a chicken a year: e, se nun entra ne le spese tue,
t’entra ne la statistica lo stesso perché c’è un antro che ne magna due.
(Trilussa)
Anni fa davo al mio lavoro un’importanza più tecnica che relazionale. Mi spiego con un esempio: ero solito utilizzare Excel assai più di adesso per analisi ed elaborazioni statistiche di indici, fondi ed altri prodotti. Un giorno mi applicai alla performance media di quelle che fra le nostre gestioni assicurative di allora prevedevano una grande novità: non più il tasso tecnico ma, un vero e proprio minimo garantito.
Salvatore Pierro, who would become our Divisional and looked at my spreadsheet, so interested, as puzzled.
Maggi, told me, among many
especially so many numbers and averages six managed to extract only one thing certain: the return that no customer ever cash out for real!
surviving a bit 'of salt, then and there, he could only "wrap" the wit of Saving. That remark and instead would become a great lesson to effectively meet the market and prospects. Especially with clients to assess and compare the performances reported in the press, those received through la pubblicità, rispetto a quelle concretamente realizzate nei tempi e con le modalità di effettivo possesso, ad esempio di un fondo comune.
Acquisita dunque l’intima convinzione che imbattersi nel mitico “pollo di Trilussa” sia tutt’altro che astrazione, ho approcciato professionalmente in tempi più recenti iniziative come
“Conti
correnti a confronto” di
Pattichiari. Sicuramente pregevoli dal punto di vista dello sforzo che enti ed istituzioni possano mettere in atto per consentire ai consumatori bancari un più agevole orientamento fra le offerte. Orientamento che, ahimè, può essere solo statistics and therefore afflicted by trilussiane contraindications that Salvatore said. Arrival therefore all'attualissimo
ISC, synthetic indicator of cost , namely what concerns the current account, the order of birth
Bank of Italy of July 29, 2009 entitled
"Provisions on transparency of transactions and banking and financial services. Correctness of the relationship between brokers and customers. " Identified 7 statistical profiles of use, from which six types of account "packet" and an "on consumption", each with its average number of operations year (why, for example, a pensioner with low or perform any operation 124), comes out of the ISC, an indicator that in'unica figure sum cost components of the current account, distinguishing the main channel is used (desk or online). The by-step guide published by ABI
, Italian Banking Association (click here
) should be clarified that the summary indicator of cost inevitably includes profiles using standardized and therefore may not correspond to actual cost. If the final difference was significant, should be reviewed to choose the type of account e. ..
point head! :-)
For the purposes of minimizing the gap between statistics and reality, the legislation provides that the customer enjoys this time with dual time mode ISC. The source of the report
,
ex ante, through the Information Sheet
and
Document and the Summary ex post, with the statement New Year sees a new document in the annexes: the
Summary Expenditure .
While I understand the range of items in both fixed and variable cost, the new indicator introduced
non contempla l’imposta di bollo (€ 34,20 anno),
né gli interessi eventualmente applicati , sia attivi che passivi. Alcuni istituti, in particolare le Banche di Credito Cooperativo, mettono a disposizione della clientela addirittura il file Excel che fa da motore di calcolo dell’ISC. Ad esempio, trovate
qui il file messo a disposizione sul sito della
B.C.C. di Castenaso in provincia di Bologna (
http://www.castenaso.bcc.it/ ).
Può la tecnologia, può un foglio elettronico aiutare il cliente a districarsi fra i numeri, fra la documentazione di sintesi e di dettaglio e ad operare the best choice? I said in the early stages of this blog: its aim is to bring insights to human resisting the temptation to put forward conclusions!
In America is a very popular book by Andy Kessler
(
Eat People, The Unapologetic Rules for Entrepreneurial Success ), according to which technology will eat more and more jobs, even those of "white collar" .
In the U.S., then would be at risk not only postmen, travel agents and stock brokers but even doctors and lawyers. He spoke Il Sole 24 Ore newsstand Saturday February 19 (page 5): click here to see a summary of the article published online. It will save the innovators, practitioners and companies that create value but are not limited to moving from the place of manufacture to their use because one could do with a simple PC. Cashiers against ATM has become a challenge marked by the outcome. Much less obvious as to who the best outcome of the third millennium will assist customers to manage the emotions first and then the rationality. Bombarded by millions of bits, the mind of man must be expertly accompanied by maps of the summary to the detail and vice versa. ( Maggiorino Guide, are reserved)