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    <loc>https://financiarul.ro/finante-personale/fara-15-ani-de-cotizare-pensia-minima-de-1-281-de-lei-nu-vine-automat/</loc>
    <lastmod>2026-10-16T20:26:35+03:00</lastmod>
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        <news:language>ro</news:language>
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      <news:publication_date>2026-10-16T20:17:27+03:00</news:publication_date>
      <news:title>Fără 15 ani de cotizare, pensia minimă de 1.281 de lei nu vine automat. Ce sprijin poate fi solicitat</news:title>
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      <image:caption>Bancnote și monede românești alături de ochelari pe o masă</image:caption>
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    <loc>https://financiarul.ro/economie/acciza-si-tva-pe-carburanti-aduc-statului-venituri-estimate-la-37/</loc>
    <lastmod>2026-10-16T20:06:06+03:00</lastmod>
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      <news:title>Acciza și TVA pe carburanți aduc statului venituri estimate la 37 de miliarde de lei pe an</news:title>
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      <image:caption>Alimentarea unui autovehicul cu combustibil la o stație de benzină</image:caption>
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    <loc>https://financiarul.ro/economie/inalta-curte-obliga-guvernul-sa-aloce-aproape-4-8-miliarde-de-lei/</loc>
    <lastmod>2026-10-16T19:45:35+03:00</lastmod>
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        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
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      <news:publication_date>2026-10-16T19:39:49+03:00</news:publication_date>
      <news:title>Înalta Curte obligă Guvernul să aloce aproape 4,8 miliarde de lei pentru restanțele magistraților în 10 zile</news:title>
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      <image:caption>Sălă de judecată goală</image:caption>
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  <url>
    <loc>https://financiarul.ro/inteligenta-artificiala/agentii-openai-ar-fi-atacat-hugging-face-cum-poate-antrenarea/</loc>
    <lastmod>2026-10-16T19:35:33+03:00</lastmod>
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        <news:language>ro</news:language>
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      <news:publication_date>2026-10-16T19:35:31+03:00</news:publication_date>
      <news:title>Agenții OpenAI ar fi atacat Hugging Face. Cum poate antrenarea pentru scoruri mari să încurajeze trișarea</news:title>
      <news:keywords>agenti AI, Anthropic, Hugging Face, OpenAI, securitate AI</news:keywords>
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      <image:caption>Servere pentru agenți AI</image:caption>
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  <url>
    <loc>https://financiarul.ro/inteligenta-artificiala/openai-raporteaza-patru-incidente-cu-agenti-ai-inclusiv-o-plata/</loc>
    <lastmod>2026-10-16T19:33:59+03:00</lastmod>
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        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
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      <news:publication_date>2026-10-16T19:33:57+03:00</news:publication_date>
      <news:title>OpenAI raportează patru incidente cu agenți AI, inclusiv o plată neautorizată în criptomonede</news:title>
      <news:keywords>agenti AI, criptomonede, OpenAI, securitate cibernetică, siguranta AI</news:keywords>
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      <image:caption>Echipamente de calcul și servere montate într-un dulap metalic specializat</image:caption>
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  <url>
    <loc>https://financiarul.ro/economie/cum-se-compara-1-pe-venit-cu-16-pe-profit-in-2026-si-ce-conditii/</loc>
    <lastmod>2026-10-16T19:20:29+03:00</lastmod>
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      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-16T19:10:55+03:00</news:publication_date>
      <news:title>Cum se compară 1% pe venit cu 16% pe profit în 2026 și ce condiții trebuie să îndeplinească firmele pentru regimul micro</news:title>
      <news:keywords>declaratii fiscale, dividende, fiscalitate 2026, impozit pe profit, microintreprinderi</news:keywords>
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      <image:caption>Birou administrativ într-un spațiu de lucru pregătit pentru activități economice</image:caption>
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  <url>
    <loc>https://financiarul.ro/economie/nazare-cere-protejarea-ratingului-romaniei-de-retrogradarea-la-junk/</loc>
    <lastmod>2026-10-16T18:51:32+03:00</lastmod>
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      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
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      <news:publication_date>2026-10-16T18:51:30+03:00</news:publication_date>
      <news:title>Nazare cere protejarea ratingului României de retrogradarea la „junk” înaintea bugetului din 2027</news:title>
      <news:keywords>buget 2027, datorie publica, deficit bugetar, Fitch, nazare, rating suveran</news:keywords>
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      <image:caption>Ministrul finanțelor avertizează asupra riscurilor de retrogradare a ratingului de țară</image:caption>
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  <url>
    <loc>https://financiarul.ro/economie/atacurile-houthi-pun-in-pericol-planul-arabiei-saudite-de-a-reduce/</loc>
    <lastmod>2026-10-16T17:47:30+03:00</lastmod>
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      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
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      <news:publication_date>2026-10-16T17:47:27+03:00</news:publication_date>
      <news:title>Atacurile houthi pun în pericol planul Arabiei Saudite de a reduce dependența de petrol</news:title>
      <news:keywords>Arabia Saudită, Aramco, aviatie, Houthi, investiții, Vision 2030</news:keywords>
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      <image:caption>Avion la King Khalid International Airport</image:caption>
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  <url>
    <loc>https://financiarul.ro/inteligenta-artificiala/un-model-openai-a-platit-fara-permisiune-comisioane-dintr-un-portofel/</loc>
    <lastmod>2026-10-16T16:46:57+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-16T16:46:56+03:00</news:publication_date>
      <news:title>Un model OpenAI a plătit fără permisiune comisioane dintr-un portofel de test Ethereum</news:title>
      <news:keywords>agenti AI, Ethereum Sepolia, GPT-5.6 Sol, OpenAI, securitate cibernetică</news:keywords>
    </news:news>
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      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/model-openai.jpg</image:loc>
      <image:caption>Calculator și cablu Ethernet</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/robor-si-ircc-la-16-octombrie-2026-la-cat-ajunge-rata-pentru-un-credit/</loc>
    <lastmod>2026-10-16T16:02:17+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-16T16:02:15+03:00</news:publication_date>
      <news:title>ROBOR și IRCC la 16 octombrie 2026. La cât ajunge rata pentru un credit de 300.000 de lei pe 30 de ani</news:title>
      <news:keywords>credite in lei, dobânzi, IRCC, rate la credit, ROBOR</news:keywords>
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    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/robor-si-ircc-5.png</image:loc>
      <image:caption>ROBOR la 3 luni în ultimele 12 luni</image:caption>
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  </url>
  <url>
    <loc>https://financiarul.ro/economie/inflatia-romaniei-urca-la-6-5-in-septembrie-si-depaseste-media/</loc>
    <lastmod>2026-10-16T16:06:38+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-16T16:01:34+03:00</news:publication_date>
      <news:title>Inflația României urcă la 6,5% în septembrie și depășește media europeană de 3,8%</news:title>
      <news:keywords>Eurostat, inflație, INS, prețuri, Uniunea Europeană</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/inflatia-in-romania.jpg</image:loc>
      <image:caption>Bancnote și inflația în România</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/economie/administratorii-pot-ajunge-sa-achite-restantele-firmei-ce-trebuie/</loc>
    <lastmod>2026-10-16T15:12:32+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-16T15:06:00+03:00</news:publication_date>
      <news:title>Administratorii pot ajunge să achite restanțele firmei. Ce trebuie să dovedească ANAF înainte să ceară banii</news:title>
      <news:keywords>administratori, ANAF, contestație fiscală, datorii fiscale, răspundere solidară</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/raspundere-solidara-anaf.webp</image:loc>
      <image:caption>Mașină a Direcției Generale Antifraudă Fiscală parcată în fața instituției</image:caption>
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  <url>
    <loc>https://financiarul.ro/finante-personale/de-ce-cresterea-cu-5-6-a-salariului-mediu-nu-a-protejat-puterea/</loc>
    <lastmod>2026-10-16T12:49:49+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-16T12:43:09+03:00</news:publication_date>
      <news:title>De ce creșterea cu 5,6% a salariului mediu nu a protejat puterea de cumpărare. Cum se interpretează venitul real</news:title>
      <news:keywords>inflație, IRCC, putere de cumparare, salarii, venit real</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/putere-de-cumparare-1.jpg</image:loc>
      <image:caption>Produse alimentare și puterea de cumpărare</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/cum-se-obtine-permisul-pentru-autobuz-si-ce-se-plateste-separat/</loc>
    <lastmod>2026-10-16T12:28:39+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-16T12:21:18+03:00</news:publication_date>
      <news:title>Cum se obține permisul pentru autobuz și ce se plătește separat de cursuri, în funcție de categoria deținută</news:title>
      <news:keywords>permis categoria D, salarii, scoala de soferi, STB, transport public</news:keywords>
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      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/permis-categoria-d.jpg</image:loc>
      <image:caption>Autobuz pentru obținerea permisului categoria D</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/un-teren-revandut-in-2026-pentru-suma-in-euro-platita-in-1999-poate/</loc>
    <lastmod>2026-10-16T10:32:21+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-16T10:16:04+03:00</news:publication_date>
      <news:title>Un teren revândut în 2026 pentru suma în euro plătită în 1999 poate însemna o pierdere reală</news:title>
      <news:keywords>impozit pe transfer, inflație, investiții imobiliare, terenuri, TVA</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/vanzare-teren.jpg</image:loc>
      <image:caption>Teren intravilan la marginea cartierului</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/economie/bonurile-fara-cod-qr-pot-aduce-amenzi-de-4-000-de-lei-dupa-expirarea/</loc>
    <lastmod>2026-10-16T13:26:55+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-16T08:14:04+03:00</news:publication_date>
      <news:title>Bonurile fără cod QR pot aduce amenzi de 4.000 de lei după expirarea suspendării. Ce pot verifica firmele</news:title>
      <news:keywords>amenzi fiscale, bon fiscal, Camera Consultanților Fiscali, case de marcat, cod QR</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/psk-agentie-bonuri-fiscale-fara-cod-qr.jpg</image:loc>
      <image:caption>Un bon fiscal care nu conține elemente grafice precum codul QR</image:caption>
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  </url>
  <url>
    <loc>https://financiarul.ro/economie/ce-limite-de-adaos-trebuie-sa-respecte-comerciantii-de-alimente-pana/</loc>
    <lastmod>2026-10-16T10:23:56+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-16T07:17:44+03:00</news:publication_date>
      <news:title>Ce limite de adaos trebuie să respecte comercianții de alimente până la finalul lui 2026 și ce acte sunt necesare</news:title>
      <news:keywords>adaos comercial, alimente, comercianti, plafonare, tichete de masa</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/plafonarea-adaosului-comercial-2.jpg</image:loc>
      <image:caption>Alimente cu plafonarea adaosului comercial</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/companii/firmele-vizate-de-nis2-dora-si-cra-nu-au-automat-trei-raportari/</loc>
    <lastmod>2026-10-16T06:44:05+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-16T06:44:03+03:00</news:publication_date>
      <news:title>Firmele vizate de NIS2, DORA și CRA nu au automat trei raportări pentru un incident. Rolul companiei decide obligațiile</news:title>
      <news:keywords>conformitate, Cyber Resilience Act, DORA, NIS2, securitate cibernetică</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/nis2-dora-si-cra.jpg</image:loc>
      <image:caption>Echipamente de rețea pentru NIS2</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/ce-alimente-au-adaosul-limitat-pana-la-31-decembrie-2026-si-ce-sume/</loc>
    <lastmod>2026-10-16T06:18:43+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-16T06:12:29+03:00</news:publication_date>
      <news:title>Ce alimente au adaosul limitat până la 31 decembrie 2026 și ce sume contează în calculul bugetului familiei</news:title>
      <news:keywords>alimente de baza, bugetul familiei, plafonarea adaosului comercial, putere de cumparare, salariul minim</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/plafonarea-adaosului-comercial-1.jpg</image:loc>
      <image:caption>Pâine albă de mari dimensiuni și alte produse agroalimentare de bază</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/tehnologie/citizen-lab-spune-ca-reclame-infectau-fara-clic-dispozitive-de-la-nato/</loc>
    <lastmod>2026-10-16T10:23:50+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-16T03:44:29+03:00</news:publication_date>
      <news:title>Citizen Lab spune că reclame infectau fără clic dispozitive de la NATO, UE și Al Jazeera</news:title>
      <news:keywords>Al Jazeera, Candiru, Citizen Lab, securitate cibernetică, spyware</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/atacuri-fara-clic.jpg</image:loc>
      <image:caption>Laptop și telefon mobil pe un birou în fața unei ferestre</image:caption>
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  </url>
  <url>
    <loc>https://financiarul.ro/tehnologie/telefoanele-se-vor-scumpi-in-continuare-avertizeaza-nabila-popal-piata/</loc>
    <lastmod>2026-10-16T18:27:55+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-16T03:12:02+03:00</news:publication_date>
      <news:title>Un surplus de memorii până în 2029 ar putea aduce telefoane și laptopuri accesibile mai bine echipate</news:title>
      <news:keywords>Apple, Cipuri de memorie, Samsung, smartphone-uri, Xiaomi</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/scumpirea-telefoanelor.jpg</image:loc>
      <image:caption>Laptop și accesorii tehnologice pe o masă de lucru</image:caption>
    </image:image>
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  <url>
    <loc>https://financiarul.ro/investitii/ruchir-sharma-vede-o-bula-avansata-pe-piata-ai-dobanzile-mai-mari/</loc>
    <lastmod>2026-10-16T02:39:53+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
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        <news:language>ro</news:language>
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</urlset>
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