Russian strikes destroyed targets in the Sumy, Kharkiv, Zaporizhzhia, Dnipropetrovsk, Kherson, Kyiv, Odesa, Khmelnytskyi, Lviv, Volyn, Zhytomyr, Rivne, Cherkasy, Chernivtsi, Ternopil, Vinnytsia regions, and the DPR;
According to the Ukrainian Air Force, Russian forces attacked Ukraine with 2 Kh-59 guided air-launched missiles and 580 strike UAVs;
Russian forces struck a metallurgical plant in Kryvyi Rih;
Russian forces struck an electrical substation in Zhytomyr;
Russian forces struck a metallurgical plant (Zaporizhstal) and an industrial enterprise (PJSC Zaporizhtransformator) in Zaporizhzhia;
Russian forces struck a dry cargo ship in Odesa;
Ukrainian losses amounted to approximately 1,040 troops over the past 24 hours.
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Russian forces took full control of the city of Dobropolye in the DPR.
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Russian forces took control of Varvarovka and Nikolayevka. The Volchansk pocket has been cleared.
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During the past night, Russian air defenses destroyed 610 Ukrainian drones in the rear regions;
Russian air defenses intercepted UAVs in the Leningrad, Novgorod, Tver, Bryansk, Belgorod, Kursk, Oryol, Kaluga, Voronezh, Rostov, Smolensk, and Tula regions, the Moscow region, Krasnodar Krai, the Republic of Crimea, and over the Black Sea;
Ukrainian drone strikes injured six residents in the Shebekinsky district of the Belgorod region;
Ukrainian drones attacked a minibus traveling from Lysychansk to Krasnodar on the road between Novoaidar and Shchastia, killing the driver.
I've lived in Colorado for over 10 years. If you really want to get a taste of the state, try visiting the city of Golden.
milehightraveler/Getty Images
As a Colorado local, I love bringing first-time visitors to the state to Golden instead of Denver.
It's a short drive from downtown Denver with beautiful mountain views and a walkable downtown.
There are great places to eat alongside mountain views, hike, and enjoy the scenery in Golden.
I've lived in Colorado for over a decade. If I had just a single day to show someone what I love about the state, I wouldn't take them to our capital city, Denver.
Instead, I'd bring them to the much smaller city of Golden.
Golden gives has a little bit of everything for visitors: mountains and hiking trails, a creek running through town, a historic downtown made for wandering on foot, and plenty of places to eat and drink.
It's located just about 15 miles west of downtown Denver, or about a 25-minute drive, and typically less than an hour's drive from the Denver International Airport.
Here's why I love bringing out-of-towners to Golden — and where I'd take them when they visited.
I'd start the morning with coffee at a family-owned shop.
Sogo Beans and Boards is one of my favorite morning stops.
Courtesy of Lexi Marshall
Golden has several coffee shops, but I'd start my perfect day here at Sogo Beans and Boards.
The family-owned coffee and skate shop is just minutes from downtown. I love that Sogo air-roasts its fair-trade coffee and makes its own syrups and pastries.
Its plant-filled room, free Wi-Fi, and garden patio make it easy to linger over a latte, and it's the kind of independent shop that makes a morning feel unhurried.
We'd spend lots of time outside, which is easy to do in Golden
Hiking North Table Mountain Park is one of my favorite ways to see the foothills around Golden
Courtesy of Lexi Marshall
The city makes it easy to go from a coffee shop to a trail without a long drive.
For a leisurely morning, I'd rent an e-bike and follow the paved Clear Creek Trail, which winds alongside the water through parks and greenery.
For more of a workout, I'd hike North Table Mountain, where the initial climb stings but rewards you with sweeping views of the city and surrounding mesas.
Riding the Clear Creek Trail is a great way to see Golden by e-bike.
Courtesy of Lexi Marshall
In warmer months, tubing on Clear Creek is another way to take in the town's outdoor culture and scenic views.
If I had more time, I'd take the short drive from town to visit Golden Gate Canyon State Park, a beautiful place to enjoy aspen groves and mountain scenery. Come winter, the same park is a serene place to snowshoe through snow-covered trails.
The Golden Mill is my go-to for lunch
The rooftop patio at The Golden Mill has mountain views.
Courtesy of Lexi Marshall
After working up an appetite, I'd head to The Golden Mill, a food hall and community gathering space along Clear Creek.
It offers several food concepts — from sushi and tacos to fried chicken, barbecue, and New Zealand-style ice cream — which means a group with different tastes can all leave happy. More than 50 self-pour taps offer beer, wine, cider, and more.
The best part is the setting. Large creekside and rooftop patios have mountain views, which makes it an ideal spot to settle in after a morning outside.
My sister and I recently spent a morning there for rooftop yoga led by a local teacher, then walked around town afterward before returning for lunch.
My sister and I spent a peaceful morning in Golden.
Courtesy of Lexi Marshall
It was peaceful, and it reinforced what makes the place work: It feels less like a traditional restaurant and more like somewhere you can spend a few hours eating, drinking, and watching Golden go by.
The yoga is a summer series that typically returns in May, and the event lineup rotates with the seasons. Past offerings have included rooftop barre and Keg Conditioning, a workout that uses empty kegs as equipment.
Downtown is made for wandering
Washington Avenue is lined with locally owned boutiques, galleries, and Western outfitters, and a seasonal Saturday farmers market adds to the scene.
Kayakers can play at Clear Creek Whitewater Park and beer fans can tour the Coors Brewery. Coors began brewing beside the creek in 1873.
One year later, the Colorado School of Mines was established nearby. It's part of an industrial past you can still sense as you walk.
I'd leave some of the afternoon unscheduled, too. Part of Golden's appeal is simply walking along the creek, looking up at the foothills, and stopping wherever something catches your attention.
Golden is proof that the best trips aren't always the flashiest
Golden is just as beautiful in winter as it is in spring, summer, and fall.
Denver has plenty to offer, but Golden gives you a concentrated version of the state I'd want to share with a first-time visitor: mountain views without a long mountainous drive; outdoor adventure alongside a walkable downtown; and enough food, beer, and local character to fill the day.
Sometimes it's not the most extravagant destinations that create the most meaningful memories. Some of my favorites in Golden have been the simplest, like that quiet morning with my sister.
After more than a decade here, that combination of ease and charm still feels like Colorado to me.
Two supertankers struck a naval mine in the Strait of Hormuz, causing explosions and fire, according to the IRGC Navy;
UKMTO reported two tanker attacks northeast of Al Jubayl, Saudi Arabia, on October 16, one involving an unidentified projectile and the other a small boat firing an RPG.
On Saturday, demonstrations in France against the rising cost of living turned violent in Paris and Lyon, with further unrest reported in other locations, according to the Police Prefecture and sources from the Ministry of the Interior.
In Paris, the day began with clashes at the Place de la République. The Prefecture reported that several hundred individuals, identified as members of far-left groups, threw projectiles at police officers and gendarmes. Some participants also damaged building facades, prying loose stones.
Security forces responded with tear gas and moved to disperse the violent groups. Despite these incidents, the march began its route at 2:15 p.m. local time (12:15 GMT), moving from the Place de la République toward the Place de Clichy, even as police operations continued in the area.
By 2:00 p.m. local time, authorities had made 133 arrests in Paris—primarily for alleged participation in groups organized to commit acts of violence or cause property damage, as well as for assaults on law enforcement officers. Additionally, police conducted 1,046 preventive security checks throughout the day.
In Lyon, in southeastern France, a group of protesters smashed the windows of a tourist office located in the central Place de Bellecour and set it on fire, according to footage broadcast live by BFM TV.
The French government had previously warned of a high risk of unrest during the protests across various cities in the country. Sources close to Interior Minister Laurent Nuñez indicated that, by midday, 140 protest actions and 32,800 participants had been recorded across the provinces, while the total number of arrests throughout France had reached 166.
“There is a very high probability that the far-left will cause the afternoon demonstrations to turn violent,” the same sources stated, also reporting targeted acts of violence in Paris, Marseille, Rennes, Toulouse, and Angers.
According to the Ministry of the Interior, the incidents included attempted looting, attacks on security forces, the setting of fires to street furniture, and actions directed against institutions and media outlets.
In Marseille, several businesses were vandalized, and a municipal police station sustained damage. Additionally, a group forced open the doors of City Hall and briefly entered the lobby before being stopped.
Thousands of French people continued to protest and block educational centers just hours before student organizations held a new meeting with the Education Ministry, the third since the protests began more than two weeks ago.
Integrare la pensione con un piccolo lavoretto non farà più perdere un intero anno di assegno. Con la sentenza n. 26864, la Corte di Cassazione ha stravolto la propria linea guida su Quota 100, sbarrando la strada alle richieste di restituzione integrale avanzate dall’Inps.
Il divieto di cumulo tra reddito da lavoro e pensione anticipata resta in vigore, ma la decurtazione applicata dall’Istituto di previdenza dovrà essere limitata esclusivamente alle somme incassate tramite l’attività lavorativa.
Dalla contestazione di Bari alla svolta in Cassazione
La vicenda giudiziaria che ha portato a questo cambio di rotta riguarda un ex lavoratore pugliese che nel 2020 aveva svolto alcune collaborazioni per un compenso complessivo inferiore a 5.000 euro. Il contribuente riteneva che le prestazioni rientrassero nel lavoro autonomo occasionale, l’unica eccezione ammissibile sotto tale soglia per chi è andato in pensione con Quota 100.
L’Istituto Nazionale della Previdenza Sociale ha invece riqualificato quei contratti come collaborazioni coordinate e continuative, esigendo la restituzione dell’intero anno di assegni.
Dopo le pronunce favorevoli all’Inps in primo e secondo grado presso il Tribunale e la Corte d’Appello di Bari, la Cassazione ha parzialmente ribaltato la situazione: pur confermando l’illegittimità del cumulo per le co.co.co., gli ermellini hanno stabilito che la trattenuta deve limitarsi all’importo effettivamente guadagnato, rinviando la causa ai giudici pugliesi per ricalcolare la cifra corretta.
Cosa cambia per i pensionati che vogliono arrotondare
I giudici hanno fatto valere un chiaro principio di proporzionalità. Ora l’Ente di previdenza non potrà più pretendere la restituzione dell’intera annualità a fronte di guadagni minimi, ma solo la cifra corrispondente al compenso percepito.
La decisione frena i maxi-recuperi dell’Inps, garantendo una tutela fondamentale per chi ha svolto brevi prestazioni senza intenzione di eludere le norme sul pensionamento anticipato. Resta tuttavia fermo il vincolo normativo: per non incorrere nel divieto di cumulo, qualsiasi attività lavorativa svolta prima dei requisiti della pensione di vecchiaia deve mantenere un carattere rigorosamente occasionale e rientrare entro il tetto dei 5.000 euro annui.
When we're feeling stressed about money, my instinct is to run the numbers and account for every financial what-if. He's a big-picture dreamer who sees what something could become and is more willing to say, "We'll figure it out."
His attitude has paid off before. He had the vision for our first home, which we bought for under $100,000 and recently sold for a decent profit after 13 years of renovations.
I know some of the best things we've done together wouldn't have happened without my husband's willingness to take a chance, but our differences have still caused some friction over the years.
Now that we're building a new home together, we're trying to balance my need to plan for the unknown with his belief that we'll find a way forward.
After 13 years, we took a risk and sold our home
We sold our home and bought land in a part of Maine we love.
Lisa Leslie
For 13 years, we'd lived in the same place. My husband had moved frequently as a child, and he wanted his two daughters to have a consistent place to call home.
Leaving this house behind was bittersweet, but my oldest stepdaughter had just bought her own house, and my younger one was heading off to college. We were ready for what came next.
We could have bought an existing house needing renovations. Instead, we found land in southern Maine that felt worth taking a risk on.
We've always loved the area. My family has an annual reunion there, where we spend a week at the beach. Our new property will hopefully give us that lifestyle without the summer crowds: It's more than 2 ½ acres with hiking trails next door, a nearby kayak and paddleboard launch, and the ocean just a short drive away.
We decided to go for it, and by the end of August, our old house was nearly empty. My younger stepdaughter left for college on a Wednesday, we moved the rest of our things to a rental on a Thursday, and officially sold the house that Friday.
Every estimate comes with an 'unless'
If excavators hit ledge, our costs could go up.
Lisa Leslie
In September, we began building our 1,500-square-foot house.
We're now paying $3,000 a month for a rental home — with a construction loan on top of that — and keeping track of a lot of numbers, from lumber and labor to excavation, plumbing, electrical, permits, and finishes.
My husband is doing most of the construction himself, which is what makes this project possible. If we had to pay for all of the labor, we probably couldn't afford to build right now.
However, that's not to say this hasn't been a very stressful time. We think we've accounted for everything, but every estimate has an asterisk: Unless lumber prices go up. Unless a contractor's price changes.
Unless we hit ledge — that is, solid bedrock beneath the soil that can be expensive to excavate. We might have to rethink the foundation or adjust the entire plan once we see what's underground.
I find that uncomfortable, but my husband doesn't.
We're leaving room to adjust
We've made some compromises, and we'll likely have to make more.
Lisa Leslie
My husband can picture what this property could become over time, and has big dreams for it.
He wanted a garage, a small cottage where our family could stay when they visit, a little more space, and nicer finishes in some areas. I kept bringing us back to what we could afford right now, and how much we wanted to keep in savings rather than put everything into the house.
After a lot of discussion, we decided to start small. We're building for the life we have today, while — at his request — leaving room for the one we might want tomorrow. The garage and cottage can wait. For now, we're focusing on getting the house right without stretching our budget too far.
That means staying flexible. For instance, my husband wants a finished basement, and I agreed, knowing this would give us the option to add a third bedroom down the road.
Though the cost difference between a basement and an unfinished crawl space isn't huge upfront, hitting ledge could put us thousands — or even tens of thousands — over budget.
We're willing to give the basement a shot, but if excavation costs start climbing, we may have to scale back to a crawl space and save the extra bedroom for another day.
We have a plan, but we know it might change once we get further into the build. I'll keep making the spreadsheets and asking for the numbers. He'll keep looking at the big picture and reminding me why we decided to do this.
This project, and my husband, have taught me that financial responsibility isn't necessarily about eliminating every risk, but knowing which risks are worth taking and staying open to changing course.
O líder socialista avisa o Governo que é melhor desistir da nova lei do arrendamento, Ainda, o Presidente da AICCOPN aponta a demora no licenciamento como principal entrave à construção de casas.
The author and her husband are spending a lot of time together after retiring and becoming empty nesters.
Courtesy of Susan Teresa
When my husband and I became empty nesters, he retired, too.
We used to have busy, individual lives, but now we are always together.
It took a lot of adjustment and honest conversations, but we're learning to navigate our new normal.
My husband and I have been married for 26 years, together for 32. That's more than half my life. I thought we'd experienced just about every version of our life together.
Then we became empty nesters. And then my husband retired.
We're now together 24/7 with nowhere else we need to be, and I realized that all these years, I'd never spent this much time with him.
Since the day he brought home his office belongings, I've caught myself thinking more than once, "Oh, you're still here?
Our home feels different now
Without school schedules or workdays organizing our lives, we have more unstructured time than we know what to do with. We navigate quiet hallways lined with unoccupied bedrooms.
We now split the responsibility for coddling our cat, who suffers from separation anxiety. We announce, "We're back," to the furniture and the cat, forgetting we left the house otherwise empty.
Our aching hearts inspired us to collaborate on a shared list of silver linings. We drafted wish lists, imagining what we could do now that we no longer had to accommodate five personalities with varying interests.
While we shared many ideas and dream list to-dos — things like traveling to Tuscany for cooking and painting retreats — we hadn't anticipated that our day-to-day would also require attention and planning.
The trouble with together-time all the time
Throughout our marriage, my husband and I had always noted how similar his parents and mine were. Connected at the hip, one parent was seldom without the other.
We, on the other hand, prided ourselves on allowing each other space. We'd spent decades insisting we weren't like them — valuing independence, traveling separately, and encouraging each other to pursue our interests.
Then, when my husband retired, we instantly became our parents. With freedom to do whatever we wanted, we fell into the rhythm our parents had modeled: together all day, every day.
Sometimes you really can have too much of a good thing.
I'm an introverted writer who loves spending time in my rich inner world. He's an extroverted adventurer always on the go — kayaking, swimming, walking on the beach, sometimes all three in the same day.
One day, the realization that we had to structure our time hit hard. I'd been sitting at my writing desk when my husband opened the door to ask what we were having for lunch.
Not wanting to be rude, I talked with him for a moment, then asked for a few minutes to finish my thought. He left. I stared at my screen, hands still on the keyboard. My thought was gone.
While we enjoy being together, we're learning the importance of agreeing on when to be together and when to allow each other space.
We're creating a new rhythm
Mornings offer the perfect opportunity to plan our day over coffee, breakfast, and a card game — usually rummy. Between playful attempts to end each other's winning streaks, we check the weather, compare plans, and decide what we'd like to do. Our morning ritual helps shape our lives now that external demands no longer impose structure on our time.
Unless we have plans with friends, mealtimes serve as natural meeting points. An unexpected result: his cooking is improving. I'm now enjoying gourmet meals in the middle of the day, and again at dinner. He gets to run around outdoors, while I get to lock myself in my attic feminine sanctuary and write.
In the evenings, we wind down together. After sharing a home-cooked meal, we enjoy a movie or simply each other's company.
We're embracing new opportunities to grow together
Now that we're home together most of the time, honest communication, negotiation, and compromise have become essential tools. After decades of countless demands on our time, we're now free to choose how we spend it.
We're not always perfect. Some days, I join him outdoors when I'd rather stay home. Sometimes he interrupts when I'm in the flow.
I'm learning to ask for space when I need it. He's learning that he can pursue his desire to travel — even without me.
After 32 years, I never imagined we'd have to learn how to spend time apart. Having all the time in the world together doesn't mean we have to spend every minute of it that way.
These days, staying happily married sometimes means knowing when to leave each other alone.
Extend booked out a theater at AMC Lincoln Square.
Henry Chandonnet/Business Insider
Tech companies and venture capital firms are hosting private screenings of the Elizabeth Holmes doc.
I went to one hosted by the AI startup Extend.
Attendees I talked to said they looked at Holmes more as a joke than a product of their industry.
Elizabeth Holmes is a black mark on Silicon Valley's reputation. And yet its residents are lining up for the documentary about her.
Tech companies across the US are hosting screenings of "You Can See Everything," the documentary from Nathan Fielder and Lance Oppenheim about Holmes and her fiancé, Billy Evans. Venture capital funds are bringing their founders to the movie. There are Luma events upon Luma events.
The irony, of course, is that Holmes makes tech look bad. She sold big dreams with her medical testing company, Theranos, which eventually came crashing down. Holmes was convicted of defrauding investors of hundreds of millions of dollars. (She has long said that she is innocent.)
Holmes is the exemplar of Silicon Valley's hucksterism. She's who much of America points to when they call founders liars or scammers.
So, what's with all the tech love? I went to a Thursday screening of the documentary hosted by Extend, an AI documentation startup, to find out.
Inside the Extend screening
A swarm of techies crowded outside theater nine at New York's AMC Lincoln Square.
The screening was set to start at 7. By 6:40, a crowd had formed to talk shop and admire Extend's custom stickers. Outside the theater door, I met Bo Lau, the event's organizer who works in developer relations for Extend.
Lau recently moved to New York and said she didn't want to watch the documentary alone. So, she posted about it on X — and it helped that she already had a following on so-called "Tech Twitter."
"I was like, 'What if I just turn this into a work event so I can expense it?'" Lau said.
The event got 1,400 RSVPs for about 120 seats, she said, and she's flying to San Francisco soon to host another screening. The tickets were given out free, so Extend got no benefit other than brand awareness, she said.
Extend gave out free stickers before we entered the theater.
Henry Chandonnet/Business Insider
Why was it so popular? Lau said that Holmes was a source of fascination within Silicon Valley, and that Fielder's "awkward humor" matched the awkwardness of tech.
Filing into the theater, I heard my seatmates chat about AI and which tech companies let you work from home. On a brief social media scroll before my three-hour Do Not Disturb, I spotted Lau's recent project: a simulator of Holmes' desk.
Holmes' X account responded: "Impressive project."
Laugh lines, reflection time
This was my second time watching the documentary; the first was at New York Film Festival. The reactions among the techier crowd were mostly the same. There were lots of laughs, both at Fielder's discomfort and Holmes' oddities.
The crowd didn't react strongly to (mild spoiler alert) the big, AI version of Holmes that her fiancé creates after she goes to jail. That struck me as curious; maybe the tech crowd is already used to AI replicas.
There was also a much stronger gasp at the reveal of who's running Holmes' X account. That wasn't shocking; the attendees found out about this screening through X, after all.
The crowd talked about AI and corporate benefits before the documentary started.
Henry Chandonnet/Business Insider
We walked to a local wine bar, sipping cocktails while debriefing the film. Two techies that I talked to were split. One came away feeling bad for Holmes, then feeling bad that he felt bad for her. Another thought the film certified that Holmes was a true and utter psychopath.
I asked: Why is tech so comfortable laughing at Holmes? Her boastful visions don't sound too different from those of the current crop of young AI founders.
Maybe it was because the crowd was mostly in their 20s, not yet working in startups when Holmes' reckoning came.
Or Holmes has been detached from her Silicon Valley roots. The techies seemed to view her as more a product of the media — the books, the tabloid stories, the Hulu show — than of their own industry.
One attendee put it to me bluntly: she's turned into a meme.
Carneiro evita comprometer-se com uma segunda fase da privatização, mas a nova formulação do partido é menos fechada do que até aqui. Tema provoca resistência interna. Pedro Nuno Santos é contra.
Os deputados do Grupo Parlamentar do Partido Socialista (PS) vão realizar, no âmbito do Programa de Auscultação para Habitação, lançado pelo Secretário-Geral do Partido Socialista, de segunda (19) a quarta-feira (21), um conjunto de visitas nos respetivos distritos.
A iniciativa de auscultação nacional pretende reunir, até 24 de outubro, os contributos de diferentes áreas ligadas ao setor, abordando uma ampla reflexão sobre oferta e inovação na construção, arrendamento e fiscalidade, habitação pública, municipal e cooperativa, apoios sociais e as necessidades das gerações mais jovens, com vista a apresentar um plano estratégico para a habitação que responda às necessidades do país.
Importa destacar que o processo combina audições temáticas, visitas técnicas, reflexão técnica e académica, envolvendo cidadãos, autarcas, especialistas, ordens profissionais, parceiros sociais, promotores, cooperativas, empresas do setor, proprietários e inquilinos, bem como outras entidades com intervenção relevante no setor da Habitação.
A programação definida para os distritos de Setúbal, Évora, Beja e Faro, é a que abaixo se publica, de acordo com as datas indicadas.
Distrito de Faro
Segunda-feira, dia 19 de outubro: Pelas 15:00 horas – Visita a 64 fogos (em curso) e ao terreno para construção de 300 fogos (construção de infraestruturas), no concelho de Olhão; às 17:00 horas – Visita à construção de habitação em Loulé.
Terça-feira, dia 20 de outubro: Pelas 10:00 horas – Visita a 104 fogos (7 em Cohousing) – Chesgal e a 24 fogos (Chinicato), concelho de Lagos; às 11h30 – Visita a 208 fogos (em fase inicial de construção) em Coca Maravilhas, concelho de Portimão; pelas 14:30 horas – Visita a 36 fogos em Porches, concelho de Lagoa; e às 15:00 horas – Debate sobre Habitação no Auditório do Convento de São José, em Lagoa.
Distrito de Beja
Segunda-feira dia 19 de outubro: Pelas 10:00 horas – Visita a habitação pública construída no âmbito do PRR em Ourique, tendo como ponto de encontro a Câmara Municipal de Ourique.
Distrito de Évora
Segunda-feira, dia 19 de outubro:
No distrito de Évora, pelas 09:00 horas – Reunião na Câmara Municipal de Arraiolos e visita ao Loteamento Municipal Cruz da Barreta.
Distrito de Setúbal
Segunda-feira dia 19 de outubro: 10:30 horas – Visita à Quinta do Pombal (Caparica, Almada) – 18 fogos já atribuídos em Regime de Renda Apoiada; às 11:00 horas – Visita à obra da Quinta do Facho, na Praça da Quinta do Facho (Caparica, Almada).
La gestione delle posizioni contributive e l’adempimento degli obblighi previdenziali rappresentano, da sempre, un passaggio cruciale per lavoratori autonomi, imprenditori e professionisti. Negli ultimi anni, l’Istituto Nazionale della Previdenza Sociale ha intrapreso un percorso strutturato di transizione digitale con l’obiettivo di rendere la Pubblica Amministrazione sempre più accessibile, trasparente e vicina alle esigenze quotidiane dei cittadini. In questo scenario di continua evoluzione dei servizi telematici, una delle innovazioni più rilevanti riguarda l’accorpamento e la riorganizzazione delle piattaforme per i dispositivi mobili.
Al centro di questa trasformazione c’è l’integrazione del cassetto previdenziale del contribuente all’interno dell’applicazione unica Inps, un passaggio che segna il superamento della frammentazione dei servizi digitali e offre uno strumento accentrato per la consultazione e la gestione delle posizioni assicurative direttamente da smartphone e tablet.
Cassetto previdenziale: il nuovo assetto dei servizi digitali
Per lungo tempo, l’accesso alle funzionalità previdenziali da dispositivi mobili è stato caratterizzato dalla presenza di differenti applicativi dedicati a specifiche categorie di utenti o a singoli adempimenti. Questa articolazione, seppur pensata originariamente per offrire canali verticali e specializzati, rischiava di generare confusione nell’utente finale, costretto a scaricare e gestire più strumenti per monitorare la propria posizione.
Per razionalizzare l’offerta e semplificare l’esperienza d’uso, è stato avviato un piano di dismissione delle vecchie applicazioni settoriali. Nello specifico, gli applicativi precedentemente dedicati a categorie autonome come artigiani e commercianti sono stati gradualmente ritirati dagli store digitali per far confluire l’intero pacchetto operativo all’interno del contenitore unico dell’ente previdenziale.
Il cassetto previdenziale del contribuente diventa così un modulo fondamentale e pienamente integrato nell’applicazione principale dell’Inps. Questo processo di unificazione non rappresenta una semplice operazione di restyling grafico, ma costituisce una revisione strutturale volta a garantire standard di sicurezza elevati, continuità operativa e una navigazione fluida tra le varie sezioni informative e dispositive.
Struttura e funzionalità disponibili per i contribuenti
L’accesso al cassetto previdenziale del contribuente tramite il canale mobile consente di effettuare un’ampia gamma di verifiche e operazioni che in passato richiedevano necessariamente l’utilizzo da postazione fissa o l’intermediazione fisica. Le funzionalità sono state modellate per rispondere sia alle esigenze di consultazione rapida, sia alle necessità operative legate alle scadenze periodiche.
Consultazione anagrafica e posizione assicurativa
Una delle funzioni primarie riguarda la verifica dei dati strutturali del nucleo aziendale e della scheda anagrafica associata alla posizione contributiva. L’utente ha la possibilità di esaminare nel dettaglio l’estratto conto previdenziale, analizzando il computo dei mesi imposti e dei mesi effettivamente accreditati. Tale controllo permette di monitorare la regolarità dei periodi coperti da contribuzione e di individuare tempestivamente eventuali anomalie o vuoti assicurativi relativi alle diverse annualità.
Monitoraggio dei versamenti e gestione del modello F24
La sezione finanziaria del cassetto previdenziale del contribuente offre un riepilogo dettagliato della lista dei versamenti eseguiti e di quelli ancora da saldare.
In particolare, per quanto concerne gli adempimenti fiscali e previdenziali legati al modello F24, il servizio mobile mette a disposizione dell’utente i dati sintetici e gli elementi essenziali per il calcolo e la predisposizione dei pagamenti. È possibile verificare l’importo della contribuzione dovuta sia all’interno del minimale di reddito, sia per le quote eccedenti, garantendo una visione chiara dei termini di scadenza e degli importi dovuti a titolo di acconto o saldo.
Gestione del debito e comunicazioni ufficiali
Il controllo della regolarità contributiva passa anche attraverso la consultazione tempestiva delle note di rettifica e degli atti emessi dall’Inps. All’interno dell’area riservata sull’app, il contribuente ha la possibilità di visionare:
gli avvisi bonari inviati dall’Istituto a seguito di controlli automatizzati;
le comunicazioni relative a posizioni debitorie pregresse o irregolarità nei versamenti;
le specifiche codeline necessarie per effettuare i pagamenti di regolarizzazione;
gli avvisi di addebito notificati ed eventualmente affidati all’agente della riscossione per il recupero coattivo.
La possibilità di accedere a questi documenti direttamente dal proprio dispositivo mobile permette di ridurre i tempi di reazione di fronte a contestazioni o anomalie, offrendo al cittadino l’opportunità di regolarizzare la propria posizione prima dell’attivazione di procedure sanzionatorie più onerose.
Presentazione e tracciamento delle istanze
Oltre alle funzioni puramente informative, la sezione integra strumenti di tipo dispositivo. I contribuenti e i titolari di posizione assicurativa possono avviare e trasmettere pratiche, richieste di chiarimento o istanze telematiche indirizzate alla gestione previdenziale di appartenenza. Lo strumento permette inoltre di tracciare lo stato di avanzamento delle domande presentate, verificare la ricezione della documentazione integrativa ed esaminare l’esito finale fornito dalle sedi territoriali competenti.
Sicurezza, autenticazione e personalizzazione dell’interfaccia
L’accesso a dati sensibili di natura finanziaria e previdenziale richiede l’adozione di rigorosi protocolli di sicurezza. L’integrazione del cassetto previdenziale del contribuente nell’applicazione dell’Inps garantisce la conformità alle normative europee e nazionali in materia di tutela dei dati personali e identità digitale.
Modalità di accesso e autenticazione
L’accesso all’area riservata avviene tramite i sistemi di identificazione digitale standardizzati:
SPID (Sistema Pubblico di Identità Digitale) con livello di sicurezza idoneo alla consultazione di dati personali.
CIE (Carta d’Identità Elettronica).
Per facilitare l’utilizzo quotidiano dell’applicazione senza compromettere la protezione delle informazioni, l’infrastruttura mobile consente di associare le credenziali di primo accesso a meccanismi di sblocco rapido. Dopo aver effettuato la prima autenticazione con identità digitale, l’utente può configurare un codice Pin personale oppure abilitare l’autenticazione biometrica basata sulle impronte digitali o sul riconoscimento facciale, a seconda delle caratteristiche del dispositivo utilizzato.
Personalizzazione della schermata principale
Un’altra innovazione riguarda l’ergonomia dell’interfaccia utente. L’applicazione consente di personalizzare la schermata iniziale inserendo i servizi utilizzati con maggiore frequenza tra le opzioni preferite. Impostando il cassetto previdenziale del contribuente come scorciatoia principale nella home page dell’app, l’utente può accedere ai propri dati contributivi, ai conteggi per l’F24 e alle comunicazioni dell’Inps con un numero ridotto di passaggi, velocizzando le operazioni di consultazione periodica.
Vantaggi operativi per contribuenti e intermediari
La disponibilità di un canale unico e centralizzato per il controllo della posizione previdenziale porta con sé diversi benefici sia per i singoli contribuenti sia per il sistema di relazioni con l’ente previdenziale nel suo complesso:
riduzione dei tempi di consultazione. L’eliminazione della necessità di utilizzare computer fissi o di recarsi presso gli sportelli fisici permette una verifica immediata e in mobilità della propria situazione contributiva;
prevenzione del contenzioso. La visibilità immediata degli avvisi bonari e delle codeline per il pagamento favorisce il tempestivo adempimento spontaneo, evitando l’aggravamento delle posizioni debitorie con sanzioni e interessi di mora;
trasparenza amministrativa. La possibilità di tracciare in tempo reale lo stato delle istanze inviate all’Inps rafforza il rapporto di fiducia tra l’amministrazione pubblica e il cittadino, rendendo misurabili i tempi di risposta della struttura.
In conclusione, l’integrazione del cassetto previdenziale del contribuente nell’app unica dell’Inps rappresenta un passo significativo nel processo di ammodernamento dei servizi pubblici. Accentrare le funzioni operative in un unico ambiente digitale sicuro, accessibile e facilmente personalizzabile risponde all’esigenza fondamentale di semplificare gli adempimenti burocratici, fornendo uno strumento trasparente e sempre disponibile per la gestione della propria posizione previdenziale.
Protestos unem estudantes, sindicalistas, ativistas climáticos e coletes amarelos. Ainda nesta edição, secretário-geral do PS defende um novo ciclo de medidas para enfrentar crise da habitação.
Sugestão de Mariana Leitão. “Catarina Martins deveria estar aqui em Bruxelas e foi para o Porto”. As muitas reacções no mesmo dia. As horas seguintes às cenas de violência no Porto, durante um protesto contra os preços da habitação, foram repletas de reacções políticas. Luís Montenegro falou logo ao início da manhã de quinta-feira: “Espero que os partidos políticos, movimentos associativos, organizações portuguesas, não caiam na tentação, por razões meramente egoísticas da sua própria acção, importarem para Portugal climas de instabilidade, de contestação, que não têm de facto respaldo na sociedade portuguesa”. O primeiro-ministro garantiu que Portugal não é um
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José Luís Carneiro apelou para os manifestantes respeitem as regras democráticas e o direito de manifestação, porque o direito de manifestação implica também respeitar a ordem e a segurança pública.
Portugal é o quinto melhor destino do mundo para viver entre 63 destinos avaliados pelo novo Nomad Capitalist Lifestyle Index, com 70,09 pontos em 100. O país destaca-se sobretudo pelas condições de residência e acesso, mas a fiscalidade e o clima ficam aquém dos resultados obtidos noutras áreas, segundo a classificação feita pela consultora Nomad Capitalist.
O índice avalia cinco dimensões, com uma ponderação igual de 20% cada: natureza e clima, fiscalidade, residência e acesso, segurança e liberdade, e qualidade de vida e infraestruturas. A classificação pretende medir as condições para viver noutro país tendo em conta, em simultâneo, o enquadramento fiscal, as possibilidades de residência, a segurança e as condições do quotidiano.
“Portugal é o único destino entre os cinco primeiros cuja força é distribuída em vez de concentrada: nenhum pilar acima de 78,9 e nenhum abaixo de 47,8″, pode ler-se no site da empresa.
O Mónaco lidera o índice, com 73,89 pontos, seguido de Andorra, com 73,68, e dos Emirados Árabes Unidos, com 73,15. A diferença entre os três primeiros é inferior a 0,74 pontos.
“Três quartos de ponto separam o Mónaco, Andorra e os Emirados Árabes Unidos. Isto é uma lista restrita, não um pódio”, afirma Khatia Gelbakhiani, responsável de produto da Nomad Capitalist, citada em comunicado. A responsável salienta que cada destino tem vantagens diferentes: o Mónaco destaca-se pela qualidade de vida, Andorra pela segurança e liberdade e os Emirados Árabes Unidos pela fiscalidade.
Na avaliação de residência e acesso, Portugal obteve 78,9 pontos, o quinto melhor resultado neste indicador. O índice contabiliza cinco vias de residência: programas para nómadas digitais ou trabalhadores remotos, regimes para pensionistas, vistos de residência por investimento, criação de empresas e residência com base em rendimentos passivos.
Na dimensão de segurança e liberdade, Portugal alcançou 86,1 pontos. A avaliação combina indicadores de segurança, paz e liberdade individual e económica. A consultora destaca esta dimensão entre os pontos fortes do país.
A fiscalidade vale 78 pontos, enquanto a qualidade de vida e as infraestruturas somam 59,6 pontos. O indicador mais fraco é o de natureza e clima, com 47,8 pontos, que considera fatores como a qualidade do ar, a exposição a riscos climáticos, a disponibilidade de energia solar e a vitalidade dos ecossistemas.
Passos Coelho foi claro sobre as intenções que tem na entrevista a Maria João Avillez e os ases falam sobre o eleitorado, as condições para lá chegar e a vida do PSD.
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