The French are discouraged before they even take steps to resolve a dispute. It is thought that nine out of ten surveyed by Ipsos for the first edition of the barometer Axa legal protection. Justice remains an unknown for most of them: 80% do not know who to turn to know their rights, and 97% believe that the justice system is difficult to understand.
Worse, seven out of ten French think they have no financial means to defend themselves. Godsend for the legal protection insurers, which offer information in their contracts, and if necessary support – within limits – of legal fees. According to the Ministry of Justice, the cost of resolving a dispute is on average 200 euros for the costs of bailiff, 500 euros for an amicable and 1500 euros to cover attorney fees for a procedure .
Family, an area seldom covered by insurance
The French think that the main sources of conflict are employment, housing and the Internet. In fact, the most common disputes relate primarily to the housing (25%), led by neighborhood problems and relations between landlord and tenant, and Internet purchases (24%). Relations with the employer is not a priority (23%).
Numerous disputes also affect the field of family (divorce, inheritance …). But legal protection insurers rarely venture in this field. Axa Protection legal disputes of this nature are supported only if the client has signed the contract the more upscale, costing between 140 and 300 euros per year, much higher than a domestic contract classic (63 euros per year).
The insurer, like others, offers customers a hotline: a lawyer tells them about their rights and answered their questions. This service receives 175,000 calls a year. The insurer sees submit 36,000 new claims per year, most amicably resolved.
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"What consumers expect from the presidential
Traders are torn between fatalism and resignation. According to the ninth wave of the observatory shops conducted by Ifop for the retirement of independent mutual Medicis, 86% of traders are worried about the French economy. 70% are for the future of their trade. These figures are up sharply over 2009 and 2008.
Many find that a very real way the economic downturn. Observe a 43% drop in attendance of their stores. An increase of 9 percentage points compared to May 2011. Two out of five professionals interviewed explained that their revenue has fallen since January. 46% expect their turnover is stable.
Traders have a positive on various measures taken by Nicolas Sarkozy since the beginning of his term in April 2007. 77% qualify as "good" tax exemption for overtime, the 67% increase in the age of retirement. 61% favor the elimination of business tax. But they are only 51% to defend the introduction of VAT at 7% in restaurants. They are hostile against the increase of 1.6 percentage points of VAT. 62% feel it is a "bad thing".
Reduction of charges
Concerned about the future of small shops they fear of losing, traders are worried about their retirement and for their welfare. Little interest in the presidential election, they condemn the indifference of political leaders towards them. 81% feel that the candidates for president do not understand their professional concerns.
Almost one in three believes that candidates are not aware of the weight they represent in the French economy: France has 750,000 merchants employing 2 million people and generating 343 billion euros in turnover. Asked about their expectations, 73% required a reduction of charges. Specifically, almost one in two merchant would be they who lower employer costs. More than one in three plead for a lower wage costs. But they are only 23% want trade to be protected and promoted by measures. A minority (8%) asked for more financial aid from the government and banks to hire or grow. Only 4% consider it a priority the defense of "Made in France" or the taxation of imports in favor of French products.
Not surprisingly, Nicolas Sarkozy remains their preferred candidate. 37% say they would vote for him in the first round of the presidential election when they were 44% in the first round in 2007. Francois Hollande is second with 19%. It is followed by Marine Le Pen (18%) and Francois Bayrou (16%).
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CEO of the Caisse des Depots since 2007, Augustin de Romanet takes stock of his term as head of the financial institution publique.Il defends a vision of long-term, theme also of his book, "Not to thirty painful" , to be published next month by Plon.
LE FIGARO. – March 2007-March 2012, your tenure as head of the Deposit has been essentially that of crisis management?
Augustine ROMANET – The first thing I did upon arriving was to establish a strategic plan, the first for twenty-five years! This plan was conceived before the outbreak of the crisis, which was a chance: we had in effect given to this house a solid foundation and then through the turbulence. If the five years of my term were five years of crisis in the Deposit, then this is the etymological sense: krino, reinte? Prevention.
How have you adapted to the CDC this time of crisis?
In 2007, it was obvious that the economy of debt had reached its limits. We have defined ourselves as a long term investor, a term that might seem strange. It was taken by the Act of August 4, 2008 and came into common parlance. The mission of the Deposit is one that expresses its social utility, the provider of capital to long term, the first in the country through its various tools. We also have modernized the governance of the institution for its action is no longer subject to suspicion.
The bailouts of Dexia, the down payment in the Post, the interventions of the Strategic Investment Fund (ISF)? CDC does she not done too much, at the expense of financial security?
No. The Deposit is not weakened. Its capital is now greater than 2 billion euros to what it was in 2006. However, they are now just below the level set by the supervisory model, which has just been arrested. This means that the CDC must make choices. Through the savings fund, it is the largest financer of social housing. It will become a major player in financing local government, with the Post Bank. It is the largest investor in the territories, the majority shareholder of ISP and 26% shareholder in the La Poste group and 27% of OSEO. It will be a key player in the Greater Paris, through Icade and Egis. She manages on behalf of the State 8 programs of large loan? It is not a vision that eluded him.
Does the ISP also been at full strength? The state or parliamentarians might have wished that more intervention. Did you have to refuse certain files?
The debates were sometimes harsh. But at no time, as chairman of the board of the ISP, I had to put the state in the minority. We always found a consensus. The interest of companies brought together the State and the CDC in this tool is an outstanding success.
Beyond the ISP, what were your relations with the state?
They are reminiscent of rugby: it's not because the contacts are honest and manly that it is not a sport of gentlemen fast cash advance. That the Deposit respects the State, it is natural, but the state also met the Deposit during these five years.
The CDC will announce she losses for 2011?
No. It will be beneficial, probably close to 200 million euros, despite the loss of Dexia. This is good news. I add that no longer exists on the balance sheet of the institution any impairment that would have been deferred.
How Dexia Will it cost in total to the CDC? Do you have any regrets about the management of this file?
The Taking-is not coming. Dexia maintains a value, and I will not speculate on his future today. Regarding the past, even if mistakes were made, I refuse to take the easy way of anachronism, to rewrite the history of Dexia before his first save of 2008. And I assume, for having sustained the strategy? CARRYING since.
You were a candidate for a second term. How did you feel the decision of Nicolas Sarkozy not to renew?
Probably because I am attached to this institution, I felt this moment with surprising emotion, as I had convinced myself that I did not own my post. The decision, I always say, is the President of the Republic. So I did not comment on it. I leave calm, and proud of the work.
CEO of the Caisse des Depots is a political post?
Yes, of course! In the best sense. The policy, it is the duty of the synthesis of opposing views in search of general interest. It is also the action. At the Deposit, which combine the financial strength, the diversity of stakeholders and quality of staff, the task is exhilarating.
Are you running for the leadership of CNP Assurances?
I have personally expressed to each member of the Appointments Committee.
As a director of Veolia Environnement, were you in favor of the appointment of Jean-Louis Borloo at the head of this business? Have you supported the approach of Proglio who also chairs the Nominating Committee of NPC?
I resigned from the Board of Veolia on February 29. The suspicion that some sort of Faustian pact with Proglio is unfounded and insulting to him and for me.
What recommendation would you give to your successor?
Research of general interest means being responsive to all stakeholders of the company, the actors of the social economy to the leaders of the CAC 40, the elected leaders of rural communities to SWFs the planet, it should be remembered that they manage resources to invest in our country.
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Dispute between experts around the social VAT. Valérie Pécresse, the budget minister, expects the measure to create 75,000 to 120,000 jobs. Nicole Bricq, the rapporteur of the PS budget to the Senate, believes that the decline in employer contributions, coupled with recovery of 19.6% to 21.2% VAT and the rise of the CSG on savings, will at best 30,000 jobs. And, at worst, destroy 40,000. The Senator had to defend its position in the Senate Wednesday night, when reviewing the draft supplementary budget including introducing VAT and social tax on financial transactions. A review which promised rapid, left, majority, having decided to reject the text of a block rather than amend the clause by clause.
To achieve these numbers, Nicole Bricq reasoning in two steps. She said the VAT increase will cause a price increase of 0.5% to 0.7%. This additional inflation weigh on consumer spending, resulting in the destruction of 120,000 positions. Meanwhile, the decline in employer contributions will create between 80,000 and 150,000 jobs. Hence a total balance disappointing.
"The cuts decided by the Government target salaries between 1.6 and 2.1 minimum wage, so skilled workers. Companies hire these workers when they need their expertise. The issue of cost is secondary. As a result, reductions have little incentive effect on the hiring decision, "Nicole Bricq reasons. She said it was to hire unskilled workers that cuts costs may have a strong effect.
A Keynesian model dated
At Bercy, an estimated economic models selected in previous official reports, listed by Nicole Bricq, are based on reasoning "Keynesian" obsolete, making the consumer the only engine of growth possible. The government counters that it is precisely to encourage competitiveness and thus growth in exports.
The executive wanted to target anyway wages very practiced in the industry, in order to reduce labor costs. Nicole Bricq replied that the loss of competitiveness of French industry does not come from labor costs but an innovation problem. That's why she regrets that the capital budget for the future, focusing on research, has been punctured billion to mount the store industry.
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From our correspondent in Washington
American giants distribution keep their cool. The absolute record of purchases in one day is certainly to be beaten after the national holiday of Thanksgiving.
This Friday, malls and independent stores in the United States sold more than 11.4 billion worth of goods. But up from last year about 7% of purchases this Black Friday (known since the 1960 Black Friday in the sense of "black people") does not necessarily mean that the holiday season, crucial for annual profits of distributors, will be memorable. The purchasing power of Americans do not progressing. Only by drawing on their modest savings that households increased their spending in the fall.
To draw in their paths some 152 million Americans, most major retailers like Wal-Mart, Target and Best Buy have dared to open their doors in the middle of the night from Thursday to Friday. Offering discounts up to 60%, they mobilized a group of customers eager to use after months of deprivation. Commerce online has participated in the movement also offering exceptional discounts. Friday and for 24 hours, Apple has reduced by 10% and the prices of its popular digital tablets. The net impact of these promotions on margins in the industry to be determined. Monday is called Cyber Monday.
Financial markets now include in their forecasts scenarios of "extreme risk" in Europe. Among these include a breakdown of the single currency, an outflow of Greece to the euro, but also larger countries such as Italy or Spain. The widening of spreads between countries in the euro area shows a clear divide between North and South. France is in the middle, but it looks more and more dangerously on the side of vulnerable countries instant payday loan.
The current political developments in key countries of the South do not seem to reassure markets. The departure of Silvio Berlusconi and his replacement as head of government by Mario Monti has not calmed the markets doubt the ability of the new chief executive to impose Italian program of deficit reduction required by the European Commission .
At the bedside of the euro area. The major world leaders meet for two days, Thursday and tomorrow in Cannes for a G20 summit which could be captured by the debt crisis. And the Greek problem.
Last night, hours before the summit, Nicolas Sarkozy and German Chancellor Angela Merkel put pressure on Greek Prime Minister George Papandreou. It wants a referendum on the European rescue plan for his country. French and German leaders asked him an ultimatum: "the question to the Greek people come down to this: do you want it not to remain in the euro area?"
24:37: "Finally, the G20 officially begins, says Cyrille LACHEVRE, Special Envoy of Figaro in Cannes.Nicolas Sarkozy welcomes everyone while Europe, meeting in Council emergency continues to struggle online payday loans. "
24:18: "The EU treaties do not provide output in the euro area without leaving the European Union, the European Commission confirms the sidelines of the G20, about Greece. The only option on the table is that Greece is the euro. "
24:10: immediate response of the Secretary General of the Greek prime minister to the call of the deputies of the majority: George Papandreou "did not resign, will not resign."
24:09: The Greek Socialist MEPs propose a coalition government led by former Vice President of the European Central Bank Lucas Papademos, according to Reuters citing sources internal to PASOK, the socialist party majority
12:08: "The extraordinary summit between EU leaders continues.
It is the opinion more dangerous than others. That the member Martine PS Martinel just given to the Committee of Cultural Affairs as part of the passing of the Finance Act, sets fire to the powder in public broadcasting. Requires pre-election period, no doubt, is the set of reforms since 2008 who is harshly criticized, whether that of France Television as Audiovisual outside France (AEF). Even the men who are now in place are not immune to criticism. Little detailed review:
As for the AEF, the report by Martine Martinel denounces the "unrealistic financial trajectory proposed by the AEF and accepted by a confidence that can be described as blind by the State." Particularly with regard to advertising. "This led the AEF has requested a budget increase in 2011."MP sees this as the main cause of the lack of perspective of the state as the group itself that led the General Inspectorate of Finance to intervene in the summer. However, the member is concerned that "the national representation there is still no access."
It also criticized the management of the CEO, Alain de Pouzilhac, saying "the list of errors of management is already long enough and sufficient breach of trust used to put an end to the appointment of Mr. Alain de Pouzilhac ".
In the process, the MP also questions "the merger of RFI and France 24, it considers reform conducted forced march and which neither the need nor the utility are proven." However, Martine Ravinel advocates rapprochement between France and the 24 public group France Televisions.
France Televisions, however, is not immune to the report of the Socialist MEP.The latter believes that the 2008 reform has been to reduce advertising on France Televisions has a balance sheet "very negative". She asserts that the reform had a "zero impact of the abolition of advertising on the audience." It also is concerned "to a funding threatened and does not guarantee the necessary visibility to the group" as the organization itself of the company. It is particularly cautioned the government against "a lack of reference to employees" within the "single undertaking". Finally, Martine Martinel denounced at once "no channel dedicated to youth" and the need to "modernize France 3".
Explosive, this report could nullify in advance of the Commission's thinking on foreign broadcasting, chaired by MP Michèle Tabarot UMP. Yet its members do not want to change the schedule."Before giving our conclusions, we firstly audition Alain Juppe, foreign minister, who said he wanted to get involved in the matter, but also about the findings of the Inspectorate General of Finance," says Christian Kert , UMP deputy of Bouches du Rhone.
However, the options are continuing to clarify:
-Members of the opposition and the majority still stand on the issue of the merger of France 24 and RFI, as the two solutions would they be supported and at the discretion of the government.
-Governance structures to isolate the CEO of the AEF of different operational functions to avoid a repetition of the pattern Pouzilhac / Ockrent.
-The Commission may recommend synergies in terms of content between France Television and France 24.In this case, France Televisions could be invited to the board of the AEF.
-Finally, the Commission could recommend only the tutelage of the Ministry of Foreign Affairs.
This is the week of Nov. 24 that the Commission could then make its own report.
The fall of France-Soir is looming. Placed backup procedure for a period of four months last August by the Commercial Court of Paris, the daily, which was acquired in 2009 by businessman Alexander Pugachev, plans to stop his paper. This is very serious option to be considered Friday during a works great. After an operating loss of 31 million euros last year, the results remained in the red, France-Soir with a loss of 12.8 million euros at end June
The relaunch of the title earlier this year, with a lot of promotion, did not halt the inexorable decline of sales, which stood at 59,102 copies in France spread paid on the first eight months of the year , against nearly 64,000 copies a year earlier, according to OJD.The new formula would allow France-Soir to cross the threshold of 100,000 copies.
Deletion of 80 posts
In total, more than 60 million euros have been invested in the revival of the legendary title that had its heyday in the 1950s. The France-Soir Pierre Lazareff flowed 1 free instant credit score.5 million copies every morning … Encouraged by its owner, the son of Russian oligarch Sergei Pugachev, the team in control has taken risks, such as increased sale price (60 cents), to seduce an audience younger and more feminine. But the drastic reduction of book horse, which provided a daily basis for loyal readers, was the most damaging to sales of the title.
The plan will be offered Friday provides for the elimination of 80 positions out of 120. He plans to leave the paper, never to appear on the Internet.It would, if the plan is adopted, the first French national newspaper to take this approach. The business daily La Tribune, also in the process of SAVING, had already tried it in August but for a simple two-week period. General meeting Monday evening, the employees of France-Soir refused "the scenario of the disappearance of the title in the near future along with a large number of layoffs" and voted to strike. The log does not appear on Tuesday morning.
Nicolas Sarkozy and Angela Merkel were to Sunday on the table all matters relating to the crisis in the euro area: Greece, Financial Stability Fund, recapitalization of banks … But rather than concrete decisions or announcements spectacular, the two leaders particularly wanted to mark the kick off of a hectic schedule that will take them to the Cannes G20 3rd and 4th November. "Europe will have solved all its problems," before that date, have hammered the President and Chancellor.
The next step should come from Brussels. The European Commission said Friday that it would present "in the days to come" proposals for a coordinated recapitalization, which should help to reassure markets worried about the resilience of the European banking system to the crisis. It could soon make its findings on Monday.The European Banking Supervisors (EBA) should also provide estimates of the impact of a sharp depreciation of the Greek debt on bank balance sheets.
With these data in the hands of the leaders arrive for summit of the European Union and the euro area provided 17 and 18 October in Brussels. They will then give a "clear signal" on the subject, said Angela Merkel. The idea is to display a "consensus" on the amount and schedule for building banks' capital. For we must recognize that, as regards the amounts, blur still dominates: the figure of 100 billion to inject capital is the most commonly cited, which is much less than 200 billion euros mentioned a few days ago even by the IMF free business cards.
The next step in the operational implementation of the European financial stability should have been ratified by all parliaments by mid-October: Malta decides before Monday Slovakia on Tuesday. Aid to Greece will be released.
"Acting quickly"
Throughout this long process, Europe should remain under pressure. In recent days, Obama has returned several times to the load on the resolution is too slow for his liking of the crisis in the eurozone. European leaders must "act quickly," pleaded the U.S. president, hoping that a "very concrete plan of action" would be presented.He believes that the crisis in Europe could have a "very real" in the United States.
For her part, Angela Merkel last week has dampened hopes for a reform of the international monetary system from the G20, saying the work on this subject will not be completed. But the Cannes summit will probably be enough to do with the subject of the European crisis.
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