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    <loc>https://financiarul.ro/economie/salariul-minim-in-2026-ajunge-la-4-418-lei-pentru-firma/</loc>
    <lastmod>2026-10-26T17:41:09+02:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-26T17:32:02+02:00</news:publication_date>
      <news:title>Salariul minim în 2026 ajunge la 4.418 lei pentru firmă. Cum se calculează netul și cine beneficiază de scutire</news:title>
      <news:keywords>angajatori, costuri salariale, facilitati fiscale, salariul minim, salariul net</news:keywords>
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      <image:caption>Plăcuță pentru salariul minim 2026</image:caption>
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    <loc>https://financiarul.ro/economie/finantele-propun-pastrarea-accizei-reduse-pentru-motorina/</loc>
    <lastmod>2026-10-26T16:44:28+02:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-26T16:36:26+02:00</news:publication_date>
      <news:title>Finanțele propun păstrarea accizei reduse pentru motorină și a adaosului plafonat până la 31 ianuarie</news:title>
      <news:keywords>accize, carburanti, Ministerul Finantelor, motorina, transporturi</news:keywords>
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      <image:caption>Reducerea accizei pentru motorină</image:caption>
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    <loc>https://financiarul.ro/companii/fashion-days-deschide-black-friday-pe-1-noiembrie-cu-ieftiniri-promise/</loc>
    <lastmod>2026-10-26T16:05:20+02:00</lastmod>
    <news:news>
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        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-26T16:05:18+02:00</news:publication_date>
      <news:title>Fashion Days deschide Black Friday pe 1 noiembrie cu ieftiniri promise de maximum 90%</news:title>
      <news:keywords>Altex, Black Friday 2026, BRICO, Fashion Days, trendyol</news:keywords>
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      <image:caption>Pachet într-un locker pentru livrări</image:caption>
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    <loc>https://financiarul.ro/companii/cand-trebuie-un-srl-sa-ajunga-la-un-capital-de-5-000-de-lei/</loc>
    <lastmod>2026-10-26T15:27:45+02:00</lastmod>
    <news:news>
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        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
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      <news:publication_date>2026-10-26T15:19:45+02:00</news:publication_date>
      <news:title>Când trebuie un SRL să ajungă la un capital de 5.000 de lei și ce trebuie verificat înainte de plata dividendelor</news:title>
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      <image:caption>Bani și documente privind capitalul social</image:caption>
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    <loc>https://financiarul.ro/finante-personale/euro-este-5-3467-lei-la-bnr-pe-26-octombrie-2026-cat-inseamna-in-lei/</loc>
    <lastmod>2026-10-26T14:57:14+02:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-26T14:57:12+02:00</news:publication_date>
      <news:title>Euro este 5,3467 lei la BNR pe 26 octombrie 2026. Cât înseamnă în lei ratele, chiriile și salariile în euro</news:title>
      <news:keywords>BNR, chirii, curs valutar, euro, rate în euro, salarii</news:keywords>
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    <image:image>
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      <image:caption>Cursul euro în lei în ultimele 12 luni</image:caption>
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  </url>
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    <loc>https://financiarul.ro/finante-personale/ce-inseamna-robor-pentru-ratele-creditelor-indicele-la-3-luni-este-de-6/</loc>
    <lastmod>2026-10-26T14:32:12+02:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-26T14:25:01+02:00</news:publication_date>
      <news:title>Ce înseamnă ROBOR pentru ratele creditelor. Indicele la 3 luni este de 6,09% la 26 octombrie 2026</news:title>
      <news:keywords>credite, dobânzi, IRCC, rate bancare, ROBOR</news:keywords>
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    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/robor.jpg</image:loc>
      <image:caption>Evoluția și bancnote de lei</image:caption>
    </image:image>
  </url>
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    <loc>https://financiarul.ro/finante-personale/refinantarea-poate-reduce-rata-cu-770-de-lei-in-exemplul-unui-credit/</loc>
    <lastmod>2026-10-26T12:53:49+02:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-26T12:44:16+02:00</news:publication_date>
      <news:title>Refinanțarea poate reduce rata cu 770 de lei în exemplul unui credit ipotecar. Ce costuri trebuie comparate</news:title>
      <news:keywords>credite ipotecare, dobanda fixa, IRCC, rambursare anticipata, refinanţare</news:keywords>
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      <image:caption>Birou pentru refinanțarea creditului</image:caption>
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    <loc>https://financiarul.ro/economie/ce-se-intampla-cu-factura-cand-ramane-un-client-fara-furnizor/</loc>
    <lastmod>2026-10-26T12:18:51+02:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-26T12:09:00+02:00</news:publication_date>
      <news:title>Ce se întâmplă cu factura când rămâne un client fără furnizor de energie. Pragul de 1 MVA decide preluarea</news:title>
      <news:keywords>ANRE, energie electrică, facturi energie, furnizor de ultimă instanță, Hidroelectrica</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/psk-agentie-furnizor-de-ultima-instanta.jpg</image:loc>
      <image:caption>Sediu furnizor de ultimă instanță</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/economie/euro-ar-ajunge-la-5-3893-lei-in-12-luni-potrivit-sondajului-cfa-romania/</loc>
    <lastmod>2026-10-26T11:17:49+02:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-26T11:17:47+02:00</news:publication_date>
      <news:title>Euro ar ajunge la 5,3893 lei în 12 luni, potrivit sondajului CFA România</news:title>
      <news:keywords>CFA România, creștere economică, curs valutar, deficit bugetar, inflație</news:keywords>
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    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/cfa-romania.jpg</image:loc>
      <image:caption>Bancnote euro</image:caption>
    </image:image>
  </url>
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    <loc>https://financiarul.ro/finante-personale/credit-ipotecar-apartamentul-parea-accesibil-ce-a-aratat-o-simulare-pe-kreditano/</loc>
    <lastmod>2026-10-26T11:14:46+02:00</lastmod>
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        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
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      <news:publication_date>2026-10-26T11:14:46+02:00</news:publication_date>
      <news:title>Credit ipotecar: apartamentul părea accesibil. Ce a arătat o simulare pe Kreditano?</news:title>
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    <lastmod>2026-10-26T10:37:46+02:00</lastmod>
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        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
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      <news:publication_date>2026-10-26T10:36:53+02:00</news:publication_date>
      <news:title>Seminarul SmartFIN@ISF și Laboratorul Academic ASF – Convergența dintre cunoaștere și practică în piețele financiare nebancare, la Academia de Studii Economice din București | 27 octombrie 2026</news:title>
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    <loc>https://financiarul.ro/actualitate/alexandru-petrescu-asf-reconstructia-ucrainei-o-responsabilitate-si-oportunitate-strategica-pentru-romania/</loc>
    <lastmod>2026-10-26T10:34:09+02:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
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      <news:publication_date>2026-10-26T10:34:09+02:00</news:publication_date>
      <news:title>Alexandru Petrescu, ASF: Reconstrucția Ucrainei - o responsabilitate și oportunitate strategică pentru România</news:title>
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    <loc>https://financiarul.ro/finante-personale/tezaur-porneste-de-la-1-leu-cum-se-compara-cu-fidelis-si-un-depozit/</loc>
    <lastmod>2026-10-26T08:25:16+02:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
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      <news:publication_date>2026-10-26T08:18:31+02:00</news:publication_date>
      <news:title>Tezaur pornește de la 1 leu. Cum se compară cu FIDELIS și un depozit la dobândă netă și accesul la bani</news:title>
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    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/tezaur-si-fidelis.jpg</image:loc>
      <image:caption>Ghișeu pentru titluri</image:caption>
    </image:image>
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    <loc>https://financiarul.ro/finante-personale/salariul-minim-in-2026-ajunge-la-2-699-lei-net-ce-conditii-se-aplica/</loc>
    <lastmod>2026-10-25T21:30:41+02:00</lastmod>
    <news:news>
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        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
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      <news:publication_date>2026-10-25T21:24:52+02:00</news:publication_date>
      <news:title>Salariul minim în 2026 ajunge la 2.699 lei net. Ce condiții se aplică pentru facilitatea fiscală de 200 lei</news:title>
      <news:keywords>facilitati fiscale, impozit pe venit, salarii 2026, salariul minim</news:keywords>
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    <image:image>
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      <image:caption>Sediul instituției cu atribuții în muncă</image:caption>
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    <lastmod>2026-10-25T20:59:23+02:00</lastmod>
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        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
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      <news:keywords>energie electrică, factura la curent, Hidroelectrica, schimbarea furnizorului, tarife energie</news:keywords>
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    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/reducerea-facturii-la-curent-1.jpg</image:loc>
      <image:caption>Boiler electric pentru reducerea facturii la curent</image:caption>
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    <loc>https://financiarul.ro/finante-personale/alocatiile-raman-la-292-sau-719-lei-in-2026-cine-primeste-banii-si-cat/</loc>
    <lastmod>2026-10-25T17:38:45+02:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
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      <news:publication_date>2026-10-25T17:32:18+02:00</news:publication_date>
      <news:title>Alocațiile rămân la 292 sau 719 lei în 2026. Cine primește banii și cât înseamnă indexările suspendate</news:title>
      <news:keywords>alocatii copii, beneficii sociale, bugetul familiei, indexarea alocațiilor, Legea nr. 141/2025</news:keywords>
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    <image:image>
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      <image:caption>Bani pentru alocații copii 2026</image:caption>
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    <loc>https://financiarul.ro/finante-si-banci/ratele-la-credite-cu-robor-si-ircc-pe-23-octombrie-2026-ce-inseamna/</loc>
    <lastmod>2026-10-25T15:38:28+02:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
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      <news:publication_date>2026-10-25T15:38:27+02:00</news:publication_date>
      <news:title>Ratele la credite cu ROBOR și IRCC pe 23 octombrie 2026. Ce înseamnă în lei dobânda pentru patru împrumuturi</news:title>
      <news:keywords>BNR, dobânzi, IRCC, rate la credite, ROBOR</news:keywords>
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    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/robor-si-ircc-13.png</image:loc>
      <image:caption>ROBOR la 3 luni în ultimele 12 luni</image:caption>
    </image:image>
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    <loc>https://financiarul.ro/companii/ce-trebuie-verificat-la-software-ul-unui-start-up-pentru-raportarile/</loc>
    <lastmod>2026-10-25T15:22:20+02:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
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      <news:publication_date>2026-10-25T15:15:43+02:00</news:publication_date>
      <news:title>Ce trebuie verificat la software-ul unui start-up pentru raportările fiscale și plafonul micro de 100.000 EUR</news:title>
      <news:keywords>ANAF, microintreprinderi, software de contabilitate, start-up, TVA</news:keywords>
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    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/psk-agentie-software-de-facturare-si-contabilitate.jpg</image:loc>
      <image:caption>Software de facturare și contabilitate</image:caption>
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    <loc>https://financiarul.ro/finante-personale/euro-este-5-3495-lei-la-23-octombrie-2026-cat-inseamna-in-lei-ratele/</loc>
    <lastmod>2026-10-25T14:56:13+02:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
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      <news:publication_date>2026-10-25T14:56:11+02:00</news:publication_date>
      <news:title>Euro este 5,3495 lei la 23 octombrie 2026. Cât înseamnă în lei ratele, chiriile și salariile exprimate în euro</news:title>
      <news:keywords>BNR, chirii, curs valutar, euro, rate în euro, salarii</news:keywords>
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    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/curs-euro-23-octombrie-2026-1.png</image:loc>
      <image:caption>Cursul euro în lei în ultimele 12 luni</image:caption>
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    <loc>https://financiarul.ro/finante-personale/ce-ircc-se-foloseste-la-calculul-creditelor-si-cand-se-aplica-valoarea/</loc>
    <lastmod>2026-10-25T14:26:31+02:00</lastmod>
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        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
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      <news:publication_date>2026-10-25T14:26:29+02:00</news:publication_date>
      <news:title>Ce IRCC se folosește la calculul creditelor și când se aplică valoarea de 5,61% anunțată pentru ianuarie 2027</news:title>
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    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/ircc-1.jpg</image:loc>
      <image:caption>Imagine ilustrativă</image:caption>
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    <loc>https://financiarul.ro/finante-personale/cum-se-stabileste-impozitul-pe-locuinta-in-2026-cand-valoarea/</loc>
    <lastmod>2026-10-25T12:23:28+02:00</lastmod>
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      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
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      <image:caption>Bloc de locuințe vechi</image:caption>
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    <loc>https://financiarul.ro/finante-personale/cum-se-majoreaza-pensiile-prin-indexare-in-2027-si-ce-inseamna-in-lei/</loc>
    <lastmod>2026-10-25T11:22:36+02:00</lastmod>
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        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
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      <news:publication_date>2026-10-25T11:13:27+02:00</news:publication_date>
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      <image:caption>Bani pentru indexarea pensiilor</image:caption>
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    <loc>https://financiarul.ro/economie/salariul-minim-din-iulie-2026-aduce-un-cost-de-4-418-lei/</loc>
    <lastmod>2026-10-25T10:07:46+02:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-25T10:00:40+02:00</news:publication_date>
      <news:title>Salariul minim din iulie 2026 aduce un cost de 4.418 lei pentru angajatori. Ce condiții se aplică scutirii de taxe</news:title>
      <news:keywords>contract part-time, costuri salariale, normă întreagă, salariul minim 2026, scutire fiscala</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/salariul-minim-2026-5.jpg</image:loc>
      <image:caption>Majorarea pentru salariul minim 2026</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/familiile-cu-venituri-de-pana-la-1-386-de-lei-pe-membru-pot-cere/</loc>
    <lastmod>2026-10-25T08:21:36+02:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-25T08:13:23+02:00</news:publication_date>
      <news:title>Familiile cu venituri de până la 1.386 de lei pe membru pot cere sprijin pentru încălzire. Cum se stabilește suma</news:title>
      <news:keywords>ajutor pentru incalzire, facturi, sectorul 1, supliment pentru energie, venituri</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/psk-agentie-ajutor-pentru-incalzire.jpg</image:loc>
      <image:caption>Ajutor pentru încălzire sub formă de bani</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/pensia-neridicata-se-intoarce-la-casa-de-pensii-dupa-termenul-postal/</loc>
    <lastmod>2026-10-25T07:29:58+02:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-25T07:26:19+02:00</news:publication_date>
      <news:title>Pensia neridicată se întoarce la casa de pensii după termenul poștal. Ce trebuie făcut pentru încasare</news:title>
      <news:keywords>CNPP, pensii, pensii pe card, plata pensiilor, Poșta Română</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/plata-pensiilor.jpg</image:loc>
      <image:caption>Femeie verificând portofelul după plata pensiilor</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/cum-se-compara-brandurile-consacrate-cu-marcile-magazinelor/</loc>
    <lastmod>2026-10-25T06:21:20+02:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-25T06:14:55+02:00</news:publication_date>
      <news:title>Cum se compară brandurile consacrate cu mărcile magazinelor și unde se găsesc alternative cu prețuri mai mici</news:title>
      <news:keywords>buget, Consiliul Concurenței, mărci proprii, nielseniq, promotii, retail</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/marci-proprii.jpg</image:loc>
      <image:caption>Fructe expuse ca mărci proprii</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/cum-se-folosesc-tichetele-de-125-de-lei-pentru-alimente-in-2026/</loc>
    <lastmod>2026-10-24T21:31:41+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-24T21:25:00+03:00</news:publication_date>
      <news:title>Cum se folosesc tichetele de 125 de lei pentru alimente în 2026 și ce produse au adaosul comercial plafonat</news:title>
      <news:keywords>adaos comercial, alimente, Carduri sociale, pensionari, tichete sociale</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/tichete-sociale.jpg</image:loc>
      <image:caption>Card pentru tichete sociale pe tejghea</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/externe/planurile-iraniene-de-ucidere-a-unor-americani-ar-fi-avansate/</loc>
    <lastmod>2026-10-24T21:08:07+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-24T21:02:51+03:00</news:publication_date>
      <news:title>Planurile iraniene de ucidere a unor americani ar fi avansate, avertizează un memoriu al informațiilor SUA</news:title>
      <news:keywords>Arabia Saudită, Iran, securitate regională, Strâmtoarea Ormuz, SUA</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/presupuse-comploturi-iraniene.jpg</image:loc>
      <image:caption>Poartă metalică și presupuse comploturi iraniene</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-si-banci/cand-ar-putea-romania-sa-adopte-euro-si-de-ce-deficitul-de-9-2-trebuie/</loc>
    <lastmod>2026-10-24T20:43:19+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-24T20:35:04+03:00</news:publication_date>
      <news:title>Când ar putea România să adopte euro și de ce deficitul de 9,2% trebuie citit diferit de bilanțul anual</news:title>
      <news:keywords>adoptarea euro, datorie publica, deficit bugetar, Eurostat, Ministerul Finantelor</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/trecerea-la-euro.jpg</image:loc>
      <image:caption>Monede pentru trecerea la euro</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/sanatate/cum-se-obtine-decontarea-tratamentului-in-strainatate-prin-s2/</loc>
    <lastmod>2026-10-24T19:19:46+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-24T19:16:08+03:00</news:publication_date>
      <news:title>Cum se obține decontarea tratamentului în străinătate prin S2 și ce cheltuieli rămân în sarcina pacientului</news:title>
      <news:keywords>card european de sănătate, CNAS, decontare, formular S2, tratament in strainatate</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/tratament-in-strainatate-prin-s2.jpg</image:loc>
      <image:caption>Tratament în străinătate prin formularul S2</image:caption>
    </image:image>
  </url>
</urlset>
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