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• Transfer taxes: 3.8 billion per year
Transfer taxes, a tax paid by households when buying their homes, would be halved in case of acquisition of the principal residence. According to the institute, this measure will generate a shortfall of 3.8 billion for counties and municipalities which are the current beneficiaries of the transfer taxes. It points to the difficulty of measurement (as distinguished primary residence and secondary). The entourage of Nicolas Sarkozy him figure the gross cost of the measure between 2.5 and 3 billion.
• Parental leave: 2.2 to 4,400,000,000 per year
The UMP candidate wants to relax parental leave. Its duration would remain up to three years, but it could be taken up until 18 years of the child, and not until he was 3. The cost of the measure is high but the range projected by the Institute of the company is large, the challenge is to anticipate changes in behavior: how many parents of children aged 3 to 18, with no " exhausted "their three years of parental leave, they will benefit from this new opportunity that will be offered.
• Unemployed older: 500 to 900 million annually
Nicolas Sarkozy promised the abolition of fees for hiring seniors in long-CDD or CDI of an unemployed person over 55 years, indefinitely. The encryption is based on an assumption of 35,000 beneficiaries per year (the team UMP is 50,000 to 60,000) and a reduced for 400 to 700 euros per month (higher than that chosen by the candidate's entourage).
• Contributions of craftsmen: 250 to 425 million
A craftsman is making any profit in the year 1700 euros to a demand of social contributions. The outgoing president wants to eliminate this floor to stick strictly to contributions proportional to income that is paid. The Enterprise Institute calculates a cost of between 250 million (corresponding to figure put forward by the applicant) and 425 million.
• Biometric Carte Vitale: 54 to 81 million euros per year
So far, the photo used on maps Vitale is simply sent by post. The additional cost, estimated at 15 euros per card, come from the need for staff to receive insured on site – in town halls, for example – check their identity and make their prints. It does not include a grant to the hundreds of thousands of health professionals so that they equip themselves with fingerprint readers (around 100 euros per enclosure).
• CIR: zero cost
Rather than being repaid after two years by the tax authorities, the research tax credit (CIR) would receive an advance by OSEO as a zero-interest loan "for small businesses that innovate ". An operation to "zero cost at cruising speed."
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The former stars of mobile phones, Nokia, Motorola, Sony Ericsson, RIM (BlackBerry) and even Microsoft have missed the turn of the smartphone. Can they still get back in the race? Their image is tarnished by this delay. BlackBerry and Nokia-Microsoft duo are the first victims. They are also penalized by the unattractiveness of their application stores. While Apple displays 550,000 applications in its App Store and Google 350,000, for its Android Market, RIM and Windows Phone as having between 10,000 and 50,000. In response, the Canadian has just effected a turnaround first. It is now possible to download applications on its Android tablet playbook. For its part, Microsoft relies on the arrival of its new Windows 8, dedicated to the convergence between tablet PC and smartphone finally manage to win in telephony. Telcos want the arrival of a third player to escape the duopoly Apple / Google. For now, these wishes are not sufficient to ensure a start to a fanfare Windows Phone. Specialists have to find many beautiful virtues, it has sold just over 1 million Lumia (the Windows Phone from Nokia) since their launch in mid-November no faxing payday loans. For Nokia, it's a matter of survival. For Microsoft, success becomes an obligation, in a world where smartphone sales surpassed those of PC.
Motorola bought by Google
"Ten years ago, consumers chose a terminal. Today, they opt first for an ecosystem, "said Pierre Peladeau, an analyst at Booz & Co. And for now, the choices are on Apple and Android. The brands of the 2000s fetish pay the price. Sony Ericsson, soon renamed Sony, seeking to revive the glory. The new product launches are expected to accelerate. For Motorola, the situation is more ambiguous. The former star of mobile telephony, inventor of the clamshell phone, was bought by Google in August. Motorola has released its new Razr Android without the benefit of exclusivity from Google. The latter should spare the susceptibility of its other clients, Samsung, LG and other HTC.
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"Electronics: Innovate or die
"The King of good times," the king of good times, has become "The King of bad times," joked Monday the Indian press, referring to Vijay Mallya, the baron of Indian beer and whiskey. This is the slogan of an unfailing optimism that the flamboyant businessman was created in 2005, Kingfisher Airlines. The company is based in Bangalore, in southern India, which is native Vijay Mallya.
Today, Kingfisher through an unprecedented financial crisis. A nightmare, even for users. Saturday, the company has canceled 32 flights on the 240 it is supposed to operate daily. Same, or almost, Sunday and Monday. And the situation is not likely to improve, analysts believe.
Last week, Kingfisher announced a loss of $ 88 million in the third quarter of its fiscal year, almost double the deficit in the previous quarter.
Earlier last year, the airline was forced to restructure its debt, and 25% of its capital is now 18 banks, led by National Bank State Bank of India (SBI). It refuses to bail Kingfisher as its CEO will not bring new money. Experts believe that to break the deadlock, Vijay Mallya is to find faster 400 to $ 500 million of capital.
Monday, Branch of Indian Civil Aviation (DGCA) has summoned officials of Kingfisher Airlines to demand an explanation of these untimely cancellations. "We received information on a large scale cancellations. They are obliged to inform us when they cut their flight plans. But they have not done, "said K. E. Bharat Bhushan, the head of the DGCA.
Unpaid wages
Passengers expressed their anger on social networks, including complaining of having been warned of flight cancellations at the last minute. A habit which Kingfisher has no exclusivity. State-owned Air India does not hesitate, it no longer, to bring its customers with a fait accompli
.
Saturday, some employees walked out of Kingfisher, furious at not having received their salaries. The flight cancellations were even worse. Mallya sent an email to all staff. A message in which he expressed his "regret" and said "understand the implications of these back wages privacy" of its employees and said it would not close his company. Kingfisher is mostly losing all credibility with its most loyal customers. A vicious circle from which the company may not get out.
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"MY DIGITAL FIGARO – Vijay Mallya, Indian businessman atypical
February 21st,2012
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Saturday accused by Marine Le Pen to slaughter according to halal "all meat" distributed in the Ile-de-France, industrialists defend themselves. President of the National Association of interprofessional Livestock and Meat (Interbev), interviewed by France Info, the judge charged the president of the National Front "absolutely false".
"In the Ile-de-France, a vast majority of meat is not slaughtered according to halal or kosher," which involves killing animals without stunning, ensures Dominique Langlois. "It may be that parts or pieces of meat from carcasses are slaughtered according to these rites, but that does not change the quality of meat and it does not change at all the qualities of the product," adds Will it.
For professionals in the meat, the charge of Marine Le Pen "is meant strictly political and did not match the reality of things." "It's a debate that can only be detrimental to both the meat industry to French and French production that does not need it," warned the president of Interbev.
The animal rights groups mobilized
This debate is not new. Last year, six associations have denounced the increasing proportion of animals slaughtered according to Jewish or Muslim rites. According to the Foundation Brigitte Bardot, who had made an investigation in slaughterhouses, more than 60% of sheep and goats, 28% of adult cattle and 43% of calves were then killed without stunning, but that consumers are warned.
In France, however, requires the slaughter, since a decree of 1964, the stunning of animals before killing, thereby mitigating their suffering. But European legislation provides an exemption, "when stunning is not compatible with the ritual prescriptions under the free exercise of religion same day payday loans."
Approval before waive stunning
Two bills were filed in late 2010, the Senate to the Assembly, without success, to obtain a specific labeling of meat slaughtered without stunning. "The consumer has the right to know what he eats. He has the right not to eat meat slaughtered in a ritual which does not believe him, "argued the UMP deputy Nicolas Dhuicq. A new amendment, introduced in September 2011, was also rejected.
On 29 December, a decree was published in the Official Journal, however, requiring 275 French slaughterhouses to obtain, on or after 1 July 2012, before an official authorization from the rule of stunning. "It does [may] be granted only to slaughterhouses in favor [...] of a registration system to verify that it is used to slaughter without stunning as a result of justifying the commercial orders, "said the Ministry of Culture.
Marine Le Pen wants to complain
The animal rights groups have expressed quite satisfied with this text. "Being able to justify a ritual slaughter is a specific order is important because, currently, most of the meat of this kind of slaughter is found in conventional circuits without any indication to consumers," recalled Christophe Marie, spokeswoman Brigitte Bardot Foundation.
Marine Le Pen was not in favor waiting for the entry into force of the decree. On the sidelines of the convention of his party, being held this weekend in Lille, it announced its intention to attack "a few major retail supermarkets in Ile-de-France for misrepresentation of the product." She said wanting to file a complaint with a civil order for a judge to be seized, which could lead to an investigation of several months.
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"The candidacy of Le Pen is slowing
Kellogg's takes its revenge. After being out of the game last year, the world's leading cereal offers Pringles potato chips, for $ 2.7 billion. It takes advantage of misadventures of the seller, Procter & Gamble (P & G), which had entered into negotiations in April 2011 with fellow American Diamon Foods for the sale of Pringles.
These negotiations were unsuccessful, the purchaser being mired in a huge accounting scandal. Within months, the stock price Diamond Foods has lost half its value. But the company had committed to spend $ 2.4 billion, mainly in equities, to get their hands on Pringles. In early January, Diamond Foods announced it would need to reassess its accounts the past two years, following an internal investigation into its accounting practices. Hours later, P & G said look for an alternative.
Kellogg's and P & G should complete the operation by the summer. The withdrawal of Diamond Foods will not result in financial compensation for P & G.
By offering the brand of chips, which generates about $ 1.5 billion in sales and employs 1,700 people, Kellogg's is a giant step for the future. "Pringles has a global presence that propels to Kellogg's second in the world of crackers, helping us achieve our goal of becoming a real business of cereals and snacks," says John A. Bryant, CEO of Kellogg's, which topped last year's $ 13 billion in revenue.
PepsiCo, the leader
Sold in over 140 countries, produced in Belgium and the U.S., the Pringles potato chips become the second brand of Kellogg's Special K behind The U.S. giant has already Keebler cookies and crackers and Cheez-It Townhouse. The group also sells cereal bars and fruit snacks. But he has to go up a gear abroad.
"The acquisition of Pringles it provides a platform for international distribution of its products ready for snacking," analysts said BernsteinResearch. This should lead to synergies, particularly in Asia, where Kellogg's is still low.
Dominated by PepsiCo, the snack market, with sales approaching $ 65 billion, grew twice as fast in the last five years in emerging markets (+9.6% on average) than in mature markets. The sale of Pringles brand disengagement of P & G's food, a segment where the world's leading consumer products had tried to diversify in the 1990s. In 2004, he had already sold its Sunny Delight juice. It intends to focus on cosmetics, personal care and cleaning products.
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Visa Europe and MasterCard compete imagination to make their cards more attractive. Thus, Visa deploys a program of benefits for some 4.2 million Visa cardholders Prime. They now benefit from price reductions in a list of partner stores (Sephora, Lapeyre, Opinion …) by simply presenting a coupon to download on the Internet (visa.fr). April 1, this program will be expanded to Lenotre, ready-to-wear or Bensimon to Nature and Discovery. "Historically, the world of credit cards was rather that of the travel and leisure. Now the goal is to approach the everyday consumer, "says Catherine Soubirou, partnership manager at Visa Europe. MasterCard, meanwhile, has developed an online shopping mall which also offers discounts to holders of the Gold card.
But for the most prestigious cards, these benefits are not enough. The 150,000 holders of a Visa Infinite card will then be offered, to April 1, new services very chic. As Jet Taxi, which for 2200 euros an hour, take four people in Le Bourget to the destination of their choice. Or the opportunity to attend events are difficult to access (the Grand Prix of Monaco Formula 1, the Cannes Film Festival …).
Extensions guarantees
Open doors to places or events was the confidential trademark of the very VIP Centurion Card from American Express. The same idea will wow now the holders of other cards. MasterCard has already embarked on this path, imagining private parties for its Platinum card holders who dream of visiting a quiet art exhibitions or attend concerts circle. A taste for the Parisians, what awaits them when Paris will join the Priceless Cities program, launched by MasterCard in New York last summer and launched from London and Toronto. It offers cardholders Platinum – but for some offers, a Gold – privileges: previews or priority seating for events to, in the highest rated restaurants
.
"Exclusive offers, which consumers aspire today," says Francois Gandon, marketing manager of MasterCard France. Thus, the card interest is not limited to insurance they offer … even if they are perfected. Visa is for example to review his.
The foreign assistance was not playing in the event of natural disaster? This exclusion has been removed. Children of divorced or separated parents received guarantees only if the parent traveling with the cardholder? They are now protected even if they move without him. "The goal is to avoid maximum disappointment of our customers, guarantees on misunderstood or exclusions that surprise them," says Emmanuel Robert, head of product offers from Visa Europe France.
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Crisis requires, the French are tightening their belts. And budget decisions affect more and more health spending. Some are also willing to do without doctors when sick. Today, one third of French people use the Internet to seek health or medical information, both for themselves and for their families, according to a survey ViaVoice for Group Mutual Pasteur published last week. "Supervision fee may cause some patients to delay seeking and waiting to see if symptoms persist," said Dr. Bruno Gaudeau, President Pasteur Mutual Group, insurance group insurance healthcare professionals.
Involved, mainly: rates of complementary health. Since October 1, the tax on these insurance products increased from 3.5% to 7%. Higher than the mutual claim to be forced to pass on to policyholders. They argued that the additional health premiums expected to go higher than 4.7% on average in 2012. The delisting of many medicines also weighs on the budget of the French. Even the generic – these drugs cheaper than the leading brand products – have suffered in 2011: 614 million boxes were sold, against 630 million in 2010, according to the Gem, the union of generic manufacturers.
"It all starts to make money," commented Dr. Bruno Gaudeau, which expects that this mode of "self diagnosis" is accelerating in the coming years. Sites accessible to the public health are increasing and the doctors themselves invest the net. To guide them in this universe, the National Council of the Medical Association (CNOM) has published a white paper in late January. However, according to President Pasteur Mutual Group, users see mostly forums, such as those sites or the Doctissimo Féminin.com, where they can exchange with other Internet users.
Crisis of confidence in the world of health
Another source of information trusted by the French, pharmacists are increasingly in demand. "The medical excess fees are expensive, prompting patients to seek alternatives to conventional treatment pathway," says does one within the National Order of Pharmacists. But the economic crisis does not explain everything. "The French are more and more information from diverse and varied media and need to sort out. That is why they seek advice from their pharmacists. "Finally, the health world is going through a serious" crisis of confidence "in the wake of the scandals of the Mediator or PIP breast implants. "Consumers need to be reassured," says the National Order of Pharmacists. However, a recent study Ifop, 94% of French people say they "strongly" or "somewhat" confident in their pharmacist.
The GP is not great, with a confidence level of 97%. That is why Dr. Bruno Gaudeau looks to the future of the medical consultation with optimism. "If the search for medical information over the Internet has become a common practice, 90% of internet users who use them do so in addition to a consultation with a health professional."
YOUR TESTIMONY – Can you do without the advice of a doctor? Community websites related to health are you useful? Do you trust these platforms? Tell us about your experience in comments below or email temoin@lefigaro.fr.
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The surprises could affect 100,000 to 200,000 homes. According to Le Parisien-Aujourd'hui en France, households may not be taxed so far include paying the income tax this year. The head is the second austerity plan announced by the government last November and froze the tax scale.
Previously, the tax brackets, which forms the basis for taxation, were reviewed annually to reflect inflation increases the cost of living. By freezing for at least two years tax brackets, all persons whose incomes rose in 2011 could potentially be affected by the reform if they are left with taxable income greater than 5963 euros, the threshold first tranche of 5.5%. For the government, the money will have to pay these homes will be relatively low because the IRS does not claim the tax payment when it is less than 61 euros. Le Parisien-Aujourd'hui en France underlines that the sudden imposition could have more serious consequences for households as much aid as those granted to the school canteen and transport are related to the absence of taxation. Some families might therefore lose those benefits.
Changing slice
Another mechanical effect of freezing the scale, other households may already taxed, them, cross the threshold of the top tax bracket and thus having to pay more check cash advance. This extra tax is not yet visible on the view that taxpayers received early this year to pay the first third. The surprises will come in September, when paying the balance. According to calculations of national union unified tax (Snui) quoted by the newspaper, the increases will be spread from 1.17% for a wealthy couple with no children at 12.57% for a single. The government expects in any case additional EUR 1.7 billion of tax revenue for 2012 and double that for 2013.
Finally, the richer will also be affected, because the scale of the solidarity tax on wealth (ISF) has also been frozen. The government expects 44 million of additional wealth tax in 2012 and 88 million more in 2013.
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The French shun savings products they preferred. A booklet after earlier this week, it's life insurance to take stock bleak for the month of October. The French Federation of Insurance Companies (FFSA) has published figures from the Sunday collection. Last month it dropped from 16% to 9.1 billion euros. The amount of contributions collected in the first 10 months of 2011 amounted to 107 billion euros, down 12% over the same period of the year.
Worse, the agency confirmed that the withdrawals were higher than inflows. In October, the balance is negative to the tune of 1.4 billion euros. It is, indeed, a little less bad than a month earlier. In September, withdrawals have exceeded payments of more than 1.8 billion euros.But above all it confirms that life insurance through a bad patch with unprecedented for the first time two consecutive months of negative collection cash advance america.
Questioned by AFP, the FFSA wants to be reassuring. "Let us not forget that these are data points. If you look from the beginning of the vision is very different, "cautions Bernard Spitz, President of the FFSA, underlining that the payments exceed 17.7 billion euros withdrawals in the first ten months of 2011 . A figure that compared to last year's data with the same period, however, shows a precipitous drop of 63%, the statement of the FFSA.
Pensions of baby boomers
These results reflect a combination never seen before, the structural and cyclical factors unfavorable. Life insurance suffers from the retirement of baby boomers. These offset the drop in income by drawing on their life insurance.
A little paradise, and it likes to describe Mauritius. It is true that between its climate, turquoise blue lagoons and white sandy beaches, this state of the Indian Ocean is not without assets. Qualities that appeal to the French, the latter also attracted a lively French-speaking and low time difference (2 or 3 hours), representing one third of a million annual visitors to the island. Wealthy retirees enjoy, in turn, to reside in a country with attractive tax: no wealth tax, no inheritance tax, flat tax on income of 15% …
Yet in times of crisis, these arguments are not enough in attracting investors in local real estate projects. So far, a number of programs involved imposing villas sold between 1 and 2 million, but now struggling to find buyers.This is the only marina project on the island, a must for lovers of water sports. There are also a shopping center, a wellness area and large villas whose prices exceed $ 2.5 million and apartments more affordable, starting at $ 800,000.
The coming months will determine whether those efforts are paying off Mauritius with senior French.
A specific legal framework
In Mauritius, the real estate purchases by foreigners are governed by three tax schemes .- The IRS (Integrated Resort Scheme) for the freehold property of a minimum of 500.000dollars. It immediately gives purchasers the right to a permanent residence permit. They are free to then perform the steps to take up residence on site tax .- The RES (Real Estate Scheme) has, in turn, subject to any minimum price.
