Categorie
Economia

Sisma: Attenzione a sospendere le rate dei mutui

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Per venire incontro alle popolazioni del Centro Italia colpite dal terremoto della scorsa notte l’Abi – l’Associazione Bancaria Italiana – si è mossa presso le banche per chiedere di adottare a favore dei residenti delle aree colpite dal sisma la sospensione delle rate dei mutui e dei prestiti. Il provvedimento riguarda sia gli immobili residenziali che per quelli commerciali ed industriali che hanno subito danneggiamenti anche parziali.

La BNL ha accolto l’invito e ha deciso di offrire ai propri clienti la possibilità di sospendere il pagamento, per un periodo pari a sei mesi, delle rate dei prestiti e dei mutui in essere relativi ad immobili residenziali, commerciali ed industriali che abbiano subito danni, anche parziali, a seguito del sisma nel centro Italia.

Il Gruppo Intesa Sanpaolo ha annunciato di aver stanziato un plafond di 250 milioni di euro di finanziamenti e attivato una serie di provvedimenti a sostegno delle famiglie e delle imprese delle province di Rieti, Ascoli Piceno, Perugia, Macerata e Fermo, gravemente danneggiate dagli eventi sismici.

ATTENZIONE: Coloro che decideranno di approfittare della lodevole iniziativa bancaria dovranno tener presente che richiedere la sospensione del pagamento delle rate di un mutuo non è affatto conveniente economicamente. Approssimando possiamo chiaramente enunciare che tutto quello che non si paga dal momento della sospensione, si paga tutto successivamente e… con gli interessi!

Dietro l’apparente comodità di sospendere, si nasconde sempre un costo aggiuntivo per nulla evidenziato dalla banca perchè al termine del periodo di sospensione la banca non rinuncerà a chiedervi gli interessi maturati su quelle rate “frizzate” al momento della sospensione. Al termine della sospensione ci si troverà a pagare a caro prezzo il servizio reso e contemporaneamente ad allungare il mutuo per la durata pari alla sospensione.

weqLa tabella è il risultato di un excel dove il calcolo degli interessi di sospensione viene considerato mensile. L’utilizzo della tabella è estremamente semplice: avendo ad esempio sospeso per 10 mesi un mutuo con debito residuo di 80 mila euro al tasso del 2%, gli oneri di sospensione saranno pari a 1.330 euro ovvero i 133 euro mensili della tabella moltiplicato 10 mensilità sospese.

Tornando a noi, questi calcoli dovrebbero farci riflettere di quanto sia importante ponderare attentamente la validità di una sospensione che ci si accinge richiedere dove a fronte di un sollievo momentaneo che la sospensione stessa ci regala.

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Autore: Finanza.com Blog Network Posts

Categorie
Digital Audio

XDJ-1000MK2: Upgraded Audio, Browsing & Display

Pioneer is back at it again with another product release. This time,  they’ve decided to bring some of the exclusive features of the CDJ-2000NXS2 down to the more affordable XDJ range. Check out the new features of the updated XDJ-1000MK2 and get the DJTT low-down.

While it doesn’t seem like a major overhaul compared to the original, the new features and workflow improvements make the XDJ-1000MK2 a much more powerful player. However, just like the Nexus-2 line, this update has come along with a slight price bump. It does make us wonder if some fo the new features will make it to the original XDJ-1000 (with a firmware update) or if it’s being left behind.

There is no word if Pioneer is planning to work with Traktor and Serato to ensure these work via HID yet.  We are still waiting for them to add this along with timecode support to the Nexus 2 range so if you rely heavily on this feature you might want to hold off on buying till this intergeneration is clear.

Price: $ 1199/€1299

Availability: Mid-to-Late September 2016 (click here to pre-order yours at the DJTT store)

KEY NEW FEATURES & CHANGES

  • The XDJ-1000MK2 inherits high-quality audio from the CDJ-2000NXS2. Along RCA outputs, a digital output sends pristine audio, and the power circuit for analogue audio is completely separate from the digital circuit, reducing noise.
  • FLAC & ALAC playback is now supported for high-quality sound, as well as MP3, AAC, WAV and AIFF files.
  • Upgraded High-resolution colour LED touch screen (again, same one as the CDJ-2000NXS2) with RGB waveform view
  • Finding the right track to play next is easy thanks to Track Filter, which filters tracks by My Tag, BPM and key, and the new Matching feature displays tracks you’ve previously tagged when they’re mixed with the track that’s playing.
  • 8 Hot Cues are now supported compared to the traditional 3 on most Pioneer players.
  • RekordboxDJ Plus Pack compatibility is a given and the software will be updated soon to extend support for it.
  • You can now plug a DDJ-SP1 to control your Hot Cues, auto loops and Slip Mode. One DDJ-SP1 can control up to four XDJ multiplayers using Pro DJ Link.
  • Pro DJ Link offers seamless integration and shares beat grid information with the new TORAIZ SP-16.

Sticking with your setup or is it a worthy upgrade for you? Join the discussion below!

Want to be the first to know when units are shipping? Click here

Autore: DJ TechTools

Categorie
HardwareSoftware

Intel Launches 3D NAND SSDs For Client And Enterprise

 Today Intel is announcing a variety of new SSDs with their 3D NAND flash memory. The new models use a mix of 3D MLC and 3D TLC, some SATA and some PCIe, and variously target the consumer, business, embedded and data center markets. While we are still awaiting details on the timing of these product releases, it is clear that Intel is eager to put planar flash behind them. The drive for this is especially strong as the models being replaced are all either based on Intel’s relatively expensive 20nm flash or on 16nm flash that Intel had to buy on the open market due to their decision to not participate in the 16nm node at IMFT.

Product Series Market Interface 3D NAND
SSD 600p Consumer Client M.2 PCIe 3 x4 TLC
SSD Pro 6000p Business Client M.2 PCIe 3 x4 TLC
SSD E 6000p Embedded, IoT M.2 PCIe 3 x4 TLC
SSD E 5420s Embedded, IoT 2.5″ and M.2 SATA MLC
SSD DC S3520 Data Center 2.5″ and M.2 SATA MLC
SSD DC P3520 Data Center U.2 and PCIe x4 HHHL MLC

First up, we have a M.2 PCIe SSD branded three different ways for three different markets. In the consumer market we have the SSD 600p series, while the business market will get the Pro 6000p series. The specs released so far differ only in mentioning that the Pro 6000p series will be supported by the remote secure erase feature of Intel’s Active Management Technology. The third variant—for the embedded and Internet of Things market—will only get the two smallest capacities, which gives us a look at how this design will perform with the limited parallelism that results from using IMFT’s high-capacity 384Gb 3D TLC die.

Intel Client and Embedded PCIe SSDs
Model Pro 6000p 600p E 6000p 750
Capacity 128GB, 256GB, 360GB, 512GB, 1024GB 256GB 128GB 400GB, 800GB, 1.2TB
NAND IMFT 32-layer 3D TLC IMFT 20nm MLC
Interface M.2 2280 PCIe 3 x4 (single-sided) U.2 or PCIe 3 x4 HHHL
Sequential Read up to 1800 MB/s 1570 MB/s 770 MB/s up to 2500 MB/s
Sequential Write up to 560 MB/s 540 MB/s 450 MB/s up to 1200 MB/s
4kB Random Read up to 155k IOPS 71k IOPS 35k IOPS up to 460k IOPS
4kB Random Write up to 128k IOPS 112k IOPS 91.5k IOPS up to 290k IOPS
Idle Power 10mW 4W
Warranty 5 years 5 years

The 600p and 6000p series are a much more mainstream design than Intel’s previous NVMe SSD for the client market. The SSD 750 is a thinly-disguised enterprise drive, with power consumption and physical dimensions that are far too big for the M.2 form factor that has become the preferred choice for client PCIe storage. The SSD 750 was in many ways overkill from the start, and more recent M.2 drives (especially from Samsung) have caught up in peak performance to offer a much better value for typical client usage. The 600p will be going after the client PCIe storage market from the opposite end: as one of the first TLC PCIe SSDs, its performance specifications don’t set any records but it will be a much more value-oriented product than any of the M.2 PCIe SSDs currently on the market. Intel has confirmed that the 600p and 6000p are using a third-party controller, and it is most likely Marvell’s 88SS1093.

SSD 600p

 

In addition to the SSD E 6000p, there is a new series of SATA drives for the embedded market. The SSD E 5420s series consists of a 240GB 2.5″ drive and a 150GB M.2 drive, both with 3D MLC and full power loss protection. The E 5420s is rated for one drive write per day, a substantial improvement over the 0.3 DWPD rating of the E 5410s or the 20GB/day of the E 5400s.

Intel Embedded/IoT SATA SSDs
Model E 5420s E 5410s E 5400s
Capacity 240GB 150GB 80GB, 120GB 48GB, 80GB, 120GB, 180GB
NAND IMFT 32-layer 3D MLC 16nm MLC 16nm TLC
Interface 2.5″ SATA M.2 SATA 2.5″ SATA 2.5″ and M.2 SATA
Sequential Read 320 MB/s 165 MB/s up to 475 MB/s up to 560 MB/s
Sequential Write 300 MB/s 145 MB/s up to 135 MB/s up to 475 MB/s
4kB Random Read 65k IOPS 39k IOPS up to 68k IOPS up to 71k IOPS
4kB Random Write 16k IOPS 28k IOPS up to 84k IOPS up to 85k IOPS
Warranty 5 years 5 years 5 years

SSD E 5420s

 

Moving on to the data center products, the SSD DC S3520 is a new mid-range enterprise SATA SSD for read-oriented workloads and the third iteration of the S3500 series. The M.2 form factor has returned as an option after the DC S3510 series was only offered in the 2.5″ form factor. As with the SATA drives for the embedded market, performance has decreased but endurance has been bumped up from 0.3 DWPD to 1 DWPD. The larger per-die capacity of the 3D MLC has caused the smallest capacity option to increase from 80GB to 150GB, but 1.6TB is still the largest option for the 2.5″ form factor.

Intel Enterprise SATA SSDs
Model DC S3520 DC S3510
Capacity 150GB, 240GB, 480GB, 800GB, 960GB, 1.2TB, 1.6TB 150GB, 240GB, 480GB, 760GB, 960GB 80GB, 120GB, 240GB, 480GB, 800GB, 1.2TB, 1.6TB
NAND IMFT 32-layer 3D MLC 16nm MLC
Interface 2.5″ SATA M.2 SATA 2.5″ SATA
Sequential Read (up to) 450 MB/s 410 MB/s 500 MB/s
Sequential Write (up to) 380 MB/s 320 MB/s 460 MB/s
4kB Random Read (up to) 67.5k IOPS 53k IOPS 68k IOPS
4kB Random Write (up to) 17k IOPS 14.4k IOPS 20k IOPS
Endurance 1 DWPD 1 DWPD 0.3 DWPD
Warranty 5 years 5 years 5 years

SSD DC S3520

 

(UPDATED) Finally, for the enterprise PCIe space we have the SSD DC P3520. In March the DC P3320 was announced as Intel’s first 3D NAND SSD and the P3520 was mentioned but specifications were not provided at that time. Intel has since decided to only produce the P3520 and to price it close to the level of SATA SSDs. The reduced performance relative to the DC P3500 is a consequence of reduced parallelism at the same capacity that results from using the 256Gb 3D MLC rather than 128Gb 20nm MLC, and the size of this performance regression is a bit dismaying. The DC P3520 is clearly based on the same hardware platform as the rest of the PCIe data center drives, with a familiar layout for the PCB and heatsink evident in the add-in card version.

Intel Enterprise PCIe SSDs
Model DC P3520 DC P3320 (canceled) DC P3500
Capacity 450GB (U.2 only), 1.2TB, 2TB 450GB (U.2 only), 1.2TB, 2TB 400GB, 1.2TB, 2TB
NAND IMFT 32-layer 3D MLC IMFT 32-layer 3D MLC IMFT 20nm MLC
Interface U.2 and PCIe 3 x4 HHHL U.2 and PCIe 3 x4 HHHL U.2 and PCIe 3 x4 HHHL
Sequential Read (up to) 1700 MB/s 1600 MB/s 2700 MB/s
Sequential Write (up to) 1350 MB/s 1400 MB/s 1800 MB/s
4kB Random Read (up to) 375k IOPS 365k IOPS 430k IOPS
4kB Random Write (up to) 26k IOPS 22k IOPS 28k IOPS
4kB Random 70/30 Read/Write (up to) 80k IOPS 65k IOPS 80k IOPS
Warranty 5 years 5 years 5 years

SSD DC P3520 U.2

 

These new SSDs will have a staggered release over the rest of the year. Starting next week the DC P3520 will be shipping, as well as the 128GB, 256GB and 512GB capacities of the SSD 600p and SSD Pro 6000p. The 2.5″ DC S3520 will ship in early September. The rest are planned to be available in Q4.

Autore: AnandTech

Categorie
Economia

Market Update: Stocks, oil, gold, Yellen

People selling for no reason as usual.

Categorie
Gossip

‘I love you so much!’ Lewis Bloor leaves Marnie Simpson a VERY special message on Celebrity Big Brother

Cute, cute, cute

Marnie Simpson and Lewis Bloor have engaged in quite the love affair during this series of Celebrity Big Brother. However, there have been more than a few who’ve taken a cynical view to their speedy love.

But former housemate Lewis is doing his utmost to show how much he’s truly invested in their relationship – and gave her the sweetest message in the CBB house!

More: ‘I’ll marry her in 5 years!’ Lewis Bloor is very serious about his CBB romance with Marnie Simpson…

Read: All the Latest Celebrity News

As the series prepares to wrap up for the year, the housemates are being kept occupied with a task in which they receive random phone calls from ‘the public’, while hosting a talk show.

The first call is for Geordie Shore favourite Marnie, and it’s from her ex-TOWIE bae, Lewis.

‘On a scale of 1-10, how much are you missing Lewis?’ he asks.

‘Like a million!’ she responds happily – yet she doesn’t yet have a clue that he’s actually speaking to her. Surely you can’t have forgotten his voice already, Marns!?

Charlotte Crosby shocked GIFSoon, fellow housemate Aubrey O’Day jumps in to tell Marnie who she’s actually on the phone to – and Marnie gets very excited…

Marnie Simpson happy CBB main

Lovestruck Lewis continues: ‘You and Bear are doing so well, everyone loves you. I love you both. Bear, I love ya, but I want to see Marnie at the number one spot.

‘I miss you, I feel sick! I can’t wait to see ya! I love you so much!’

More: Is THIS person going to win Celebrity Big Brother?

Damn, Lewis – let her know how your really feel, why don’t you? Luckily for them both, Celebrity Big Brother ends on Friday night, meaning that a reunion is right around the corner for them both.

Elsewhere in the episode, Renee Graziano receives a phone call from a trucker named ‘Dan’, whose comments leave Bear looking on like this:

Bear shocked CBB

To find out what happens next, tune into CBB at 9.00pm, Channel 5

Autore: CelebsNow