CFDT reminded the president-elect's "strong discourse on the need to collect the French" and his promise of making the social dialogue "a priority in his working method." The central François Chérèque believes that there is no time to lose, including employment and purchasing power. It requires "stimulus" and request an initial meeting with the new government before the parliamentary elections.

Jean-Claude Mailly, head of FO that does not give instructions to vote and feels "free face to the new power," also calls for "bilateral meetings" to prepare for the social conference in mid-July. He called Francois Hollande to resume a "normal dialogue". "This means that you are not criticized, treated intermediary bodies, stigmatized, as this would only worsen things."

Quiet during the campaign, the CFTC was the first to express wishes for success at the president-elect. The Central Christian wishes "that the five year term is synonymous with social justice" and invites Francois Hollande to "question the effectiveness of policies of austerity in times of recession" – what, candidate, he had by himself .. .

The UNSA also refers to "the conference on growth and employment" of mid-July. "If we want to effectively solve social and economic problems, we must mobilize all social actors," says Luc Bérille, its general secretary. Not entirely disinterested, since the UNSA is not officially representative …

The silence of the CGT, the telegram Medef

The Solidarity union (SUD) welcomes "good news" for the defeat of Nicolas Sarkozy and asked Francois Hollande to take "immediate" decisions. For example, increasing "in 1700 euros net" the minimum wage, suspend layoff plans. However, silence yesterday in the CGT, the union that had the most spectacularly called out Nicolas Sarkozy.

As employers, Laurence Parisot Sunday night sent a telegram of congratulations to President-elect, giving him all his "good wishes". The president of MEDEF had cringe during the campaign by touting the "extraordinary job" done by Nicolas Sarkozy.

Prior to rectify this and ensure it will work with the winner, whoever he is. CGPME, meanwhile, merely to recall the promise of Twitter Francois Hollande reduce the corporate tax for small businesses.

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In 2012, the autonomous communities must get their deficits below 1.5% of GDP. Regularly pinned by the rating agencies and international observers, the regions represent about 35% of public expenditure in Spain. In 2011, it is these governments that have caused much of the slippage in the government deficit of 6% of GDP in Brussels promised to 8.51% finally recognized. The Conservative government of Mariano Rajoy for stepping up the pressure as they bend to the rule of austerity.

First step, last Saturday: Rajoy has met 11 of the 17 regional presidents, those belonging to his training, the Popular Party (PP). Verdict: "I have seen an optimal response on the part of all the administrations involved, said the chief executive. Resigned, if you want, but in any case committed to implementing their new obligations. "In short, regions need to update their budgets to take account of national accounts. For transfers from central government will be limited. The second stage took place on Wednesday, with the call of the Minister of Health, Ana Mato, regional leaders. Health is, with education, the main item of expenditure of the autonomous communities. But Madrid has decided to trim 7 billion on the health budget.  

Retirees will pay more for their drugs

For weeks, regional presidents have launched trial balloons and explored new avenues for spending less: institution of user fees on consultations or on drugs, reducing the range of treatments offered for free or recentralization of health administration.

Today, Mato wants to push self-governments in the same direction. First announcement: retirees must pay for their drugs. So far, they were exempt, and now they shall pay 10% of the price indicated on the label, to a maximum of 18 euros per month. As for the assets, also will pay more business cards design. The bill would vary between 50 and 60% of the total price, depending on the tax form to every Spaniard. For now, all assets pay the same rate, 40% of the actual price. This new pricing should help save 3.7 billion euros.

The central government intends to finally exercise its watchdog role accounts. Before the end of the month, the autonomous communities must show in Madrid a "plan of financial imbalances" detailing the measures to restore the accounts. On Wednesday, Secretary of State for the Regions has threatened regions lax. "The Autonomous Communities may be subject to intervention if they are unable to meet their financial obligations," said Antonio Beteta. In other words, Madrid could take control in areas too spendthrift. A revolution in one of the most decentralized countries in Europe.

Banks: a peak of bad debts

Spanish banks are muddy in the economic crisis. In February, the rate of bad loans reached 8.2%. This is a record since 1994: the beginning of 1997, impaired loans did not exceed 1% of total loans. In one month, outstanding loans to businesses or people at risk of insolvency has increased by 3.8 billion to $ 144 billion. The austerity measures introduced by the Government to reduce the country's deficit partly explain this further deterioration. She falls ill while Madrid multiplies remediation plans to try to reassure international investors about the soundness of its banking sector.

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"Italy rejects its public deficit targets

"Market analysts estimate that the main candidates for future elections continue to show a clear commitment on public finances and reducing deficits. Investors still have confidence in our debt, "assured the FigaroPhilippe Mills, head of Agence France Trésor, the end of January. Debt, however this is a word we have heard since long in the mouth of the two favorites for the 2012 elections, Nicolas Sarkozy and Francois Hollande.

The gigantic figure announced Friday morning by INSEE – 1.7173 trillion euros, or 85.8% of GDP-has something to put the subject at the heart of the debate. And makes an urgent exercise of teaching on how to control deficits and debt, in a context where electoral promises are multiplying. The French in need, who have a concern, as investors continue to regard France as a country whose debt is reliable. And therefore, to lend to Paris to lower interest rate. For the record, this is partly because she did not see how the Hexagon was able to return to the nails of Maastricht that the rating agency Standard & Poor's had deprived him of his AAA mid-January free 3-in-1 credit report.

The right-wing candidate Nicolas Sarkozy promises "a financial closure to the nearest euro" of its program for the next five years if elected. He will detail next week. His rival from left, Francois Hollande, is vague on how to finance a project already well exposed. Just know that it is more by tax increases that cost savings that the Socialist candidate intends to restore order in the French public accounts.

For that stabilizes the debt, the deficit must be approaching 2% (against 5.2% in 2011). France does not expect that to happen before 2014. And to achieve this, efforts will be very important. It is therefore understandable that candidates avoid stress this enough sobering perspective …

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"Loss of the AAA: why debt is not destabilized

Click on the thumbnail to enlarge the graphic.

• 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 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

Olympus is preparing to renew its leadership. The group of optical and medical imaging, the center of a scandal hidden losses, said Monday it has chosen children of the seraglio to compose his future Board. The group is now led by Hiroyuki Sasa, now in charge of marketing.

Olympus has also promised to appoint six outside directors (most already linked to the group) of the eleven new members to its board of directors to be presented for approval at a special meeting of shareholders on April 20.

A scandal of hidden losses of $ 1.5 billion spread over thirteen years to put down the reputation of Olympus. Last summer, the group managing director, Michael Woodford, was curtly thanked by its board of directors after requiring clarification of accounting anomalies revealed in the press.

Since then, the president "historic" Olympus and six executives were arrested. In a country where a charge often means a conviction (almost all of the defendants are convicted in Japan), these arrests have cast doubt on the sustainability of the group in its current form.

Exit the ambiguity

Too broke out, could be sold by Olympus divisions to another industry. Its medical imaging division in particular displayed an insolent financial health despite a fiscal year 2011-2012 which looks disastrous for society (200 billion yen loss forecast for the year which will end in late March). Sony has already shown particular interest in the activities of Olympus.

Meanwhile, the current management group, on borrowed time until April 20, closely linked to the ousted president, trying with difficulty to break the ambiguity. The next president is chosen as Olympus just SMBC, the bank group, so its main creditor, who has covered, probably by laxity, all of its accounting maquillables.

"It is not desirable that the president comes from SMBC", pleaded last week the U.S. fund Southeastern Asset Management, which owns 5% of Olympus. Wasted. To date, most members of the board are being sued … by Olympus.

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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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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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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.