Presidential in major cities Paris | Leeds | Lyons | Toulouse | Leeds | Sheffield | Liverpool | Bordeaux | Lille

Between austerity and growth, Spain and Portugal chose austerity. The two countries have had the opportunity on Wednesday to position themselves on the subject after the election in France of Francois Hollande. Met yesterday in Porto at the twenty-fifth summit Iberian, the two heads of executive kept intact their desire to fulfill their goals of rigor.

The Spaniard Mariano Rajoy and the Portuguese Pedro Passos Coelho spoke with one voice. Asked about the possibility of surrendering to 2014 – instead of 2013 – the target of increasing the public deficit below 3% of GDP, the Spanish prime minister responded without ambiguity. "The debate is not how to relax the requirements, but how to respect our commitments," said Rajoy. "Do not spend what we do not have is a good policy, he said. Spain signed the pact budget and considers it to be maintained. "

Structural reforms

Passos Coelho has said the same direction. Portugal depends on the conditions of a European aid plan, said the Prime Minister, and "if it fails to meet its objectives, it will engage with a new plan that will be more expensive, longer and more expensive socio-economic terms. Nobody wants that. "

The design of the growth of the two leaders did not have much to do with the defenders of the stimulus. "We run growth policies in Europe and in our country, argued the Spanish head of government. We adopt structural reforms that take effect in the medium and long term. "

Since taking office four months ago, Rajoy flexibilized labor law, encouraged bank mergers and generalized rigor. Passos Coelho also expressed the way forward: "We can not grow if the debt is unsustainable, he thought. Fiscal restraint is the first step of a return to growth. "

Only concession to the stimulus, the role given to the European Investment Bank. "We defend the idea of ​​reinforcing the EIB to take into account SMEs and micro-businesses," said Passos Coelho well.

ALSO READ:

"The Europeans welcomed President growth

"The Growth Pact in five questions

"Merkel is against Holland on budget pact

"The European Growth Pact will force France to reform

Nicolas Sarkozy Knights principle of rent. Asked about the German model in this regard, the president candidate is that this is "a good idea." "I take it back. It does not block the rent but a framework. This is why it is interesting. I will apply, "he vowed in an interview published Monday in Current Woman.

In the mouth of the president candidate, unless the idea is new in that it looks. On 2 February, he said already "think" in a measure inspired by the German model. Across the Rhine, a tenant can attack the homeowner if the rent is 20% higher than the market price. The entourage of Nicolas Sarkozy said he had not yet decided the question whether, in France, the initiative would be left to the tenant as in Germany or if the 20% ceiling would be required automatically to owners.

At the campaign headquarters of Nicolas Sarkozy, it ensures that the President-candidate has not changed sides. Is depressed and the socialist proposal: "This is a measure similar to the 1948 Act (the rent freeze) and it is not the German system," argued an associate of the president candidate quoted by Reuters. "What is a priority for us is not to discourage the development of housing supply, that would surely cause a rent freeze," he added.

"Everything and its opposite"

Francois Hollande camp was quick to qualify this statement of complete reversal. "On housing, Nicolas Sarkozy has said anything and everything in five years. After the 'all owners' roadmap of its policy since 2007, he rediscovered that there are tenants in France, they pay rents too expensive and they live badly, "reacted Repentin Thierry, head of the pole housing and urban policy team of the socialist candidate.

The program promises Francois Hollande "by law to oversee the amounts of rent for the first rental or relocation" in areas where prices are "excessive." But little else. Prices are set by local observatories rents and leases new concern. Especially, the measure would be "transitory", until the market relaxes, explains Thierry Repentin in the newspaper Le Monde on Saturday.

Friday, the benchmark rents (IRL) has increased by 2.24% yoy in the first quarter 2012, slightly less than inflation (2.3% yoy in March). Homeowners can increase to the same extent the rents of their tenants during the lease. However, the Observatory Clamor noted a slight drop in rents charged to new tenants (-0.1%).

ALSO READ:

"Rents may increase by 2.24%

"What rental investment choice on a budget

"Rental investment: profitability fades

Against finance, but not against the big bosses. The Socialist candidate for president, Francois Hollande, has reassured business leaders of the CAC 40, in an interview in Paris Matchpubliée Thursday. He was lampooned in mid-February, their salary increases "of 36% on average in 2010."

As we approach the elections, it has softened its tone. "We will need all the forces for the country's recovery. Therefore, in the aftermath of the presidential election, I will convene the CAC 40 companies, although many of their leaders will not vote for me, he says. I tell them: "You are the spearhead of the French economy. We need you and you need the state. We face together the challenge of recovery of France "."

The Socialist candidate was told by the president of MEDEF, Laurence Parisot, France 2 on Thursday, that the vocation of the employers' association was "to work with any government whatever." Tenors Socialist Party had in fact accused of campaigning for the incumbent president Nicolas Sarkozy free business cards.

Francois Hollande tried several times to reassure the campaign finance and management. Visiting London, and then he gave himself to enemy "the world of finance," he said at the City he was not "aggressive" and that n ' there was "nothing to fear" if elected.

Still, the Socialist candidate wants to increase the effective tax rate of 35% in large groups and, among other things, against the practice of stock options. "France seems to bring out the multinationals," said Denis Kessler, CEO of Scor, quoted by The Economist. For the second consecutive week, the weekly British Liberal lampooned the socialist project to tax at 75% marginal bracket the higher incomes of over one million euros.

ALSO READ:

"France is in denial of reality, according to The Economist

"Sarkozy criticizes unions, Dutch courts them

"The fight against unemployment: what the candidates propose PRESIDENTIAL Thurs: >> Each week, discover the secrets of candidates

The seventeen countries of the euro reached an agreement Friday to raise 500 to 800 billion euros their "firewall" against financial crisis. Germany has dropped the ballast, but the compromise is far from meeting the expectations of the European Commission, IMF and OECD.

The envelope, which represents a theoretical capacity of loans, includes three components: 500 000 000 000 ahead for the European Stability Mechanism (SPM) which will be launched in July, 200 billion already committed by the temporary fund established in 2010 (EFSF) and 100 billion in loans already spent or pledged various EU.

This elaborate structure – and perhaps questionable because it mixes future and past – allows everyone to say it held its position. For Germany, it was essential to avoid having to raise the ceiling of the MES to avoid another vote in the Bundestag. Wolfgang Schäuble, the favorite in the race for the presidency of the Eurogroup, but agreed to keep alive a year for the EFSF, which temporarily inflate the pot.

In contrast, those that grew as the French Baroin a figure of around 1 trillion, did not get satisfaction. Discussed in Copenhagen, the project of an additional tranche of 240 billion to be used "in exceptional circumstances" has disappeared from the final declaration of the Eurogroup. Here too, Berlin has been successful. But the question remains the strength of the new "firewall" in the event of a major financial accident, involving, for example Spain or Italy.

ALSO READ:

"The euro area concerned new markets' growth remains fragile in the euro area

Users are indeed more likely to make purchases from the shelf but it's mostly e-commerce, according to a survey conducted by Orange. And if they plébiscitent reading news on this screen pleasant, that finds her diary, they are not necessarily willing to pay. In the U.S., only 14% of users have an application fee information, the survey conducted in the fall by the Pew Research Center Center among 1200 users. Only 21% would be willing to pay $ 5 a month to access their preferred source of information on shelf.

In France, the time spent reading newspaper articles increased by 75% for tablet users. The tablet has changed the online consumer and has particular evening.

"63% of these same consumers prefer the traditional players in the information, having a strong brand, aggregators like Google News," according to a study by the agency Starcom and BBC.com. But only 2% of households are equipped … And it is especially the magazines that have taken their game from the start by providing copies of pay. Newspapers rely surf craze enhance their subscription offer which allows to find the newspaper on all media.

"Buy simple and painless"

In addition to revenue from advertising, some also hope to sell their content on the tablet. "People are willing to spend as long as the act of purchase is simple and painless, around € 0 my credit score.10 article," said William Multrier, which launched YouMag, an aggregator of content by topic, iPad . "The economy of the media on the net is made of small numbers." Ad rates have fallen "but the production costs of essays pure player more," Sire Cédric assumes, of Webedia. Clearly, traditional media will survive after a diet, tablets or not.

Especially as intermediaries try to capture this market. Several aggregators have joined the race. They propose a new reading experience. Flipboard, for example, appears as the contents recovered a magazine on social networks. But the media are wary of these intermediaries that undermine the unity of the mark (before they bought a newspaper and not an article or section). Moreover, "they are only useful for more widely distributed paid content. Otherwise, on the free items, they cannibalize our advertising revenue, "says does one group within the French ePresse Premium.

ALSO READ:

"Encyclopedias facing the digital challenge

"With its new iPad, Apple increases its lead

"New tablets are playing their difference against the iPad 3

"Flipboard launches iPad magazine staff in France

Monosupport, MPT: what differences?

By definition, a contract monosupport has only a single carrier, called the euro bottom. This support provides the capital and a minimum annual return of around 3 to 3.5% currently. The contract MPT, of more recent design, offers a choice between the euro and other background materials to invest in stocks or real estate for example. These supports can be expected to yield higher, up to 5-7%, but they pose a risk on capital.

Comparable tax systems now

Regarding the income tax, the two contract types are taxed identically. Only the earnings are taxable. The tax rate varies by age of the contract, but on average, tax accounts for 5-8% of withdrawals.

Namely: you can choose between two methods of taxation. To make the best choice depending on your situation, check with your insurance broker.

On social security contributions (13.5%), they are paid by the insurance company each year on the bottom euro, but upon withdrawal when taken on other media.

What a life insurance contract is it better to choose?

Social charges are made each year on the bottom multichannel euro investments. Also, there is no difference between a monosupport and a multichannel fully invested in euro bottom: same performance, even taxation. If you are looking for safety of principal above all, the best life insurance is a monosupport, and annual management fees are generally lower. The contract MPT is on his side more interesting if you want to change and take advantage of market opportunities. An insurance broker will assist you in your choice but you will also find life insurance or Multi monosupport that best matches your profile.

Can we move from one contract to another?

To transform into a multichannel monosupport, simply invest all the money on its bottom euro. Skip contract monosupport a multichannel is also possible, using the Fourgous amendment, which transforms the contract while retaining its original opening date. It thus benefits from the tax advantages of life insurance after eight years. The transition from one medium to another cause of the arbitration costs ranging from 0% to 1%.  

Note: a contract is never transferable between two insurance companies.

ALSO READ:

"Life insurance: stark inequalities between clients

"Life insurance: rates are more resistant on the Internet

"" There is no defiance against the life insurance "

SERVICE:

"Life Insurance: Enjoy two exclusive contracts with cplussur.com

It's not for now, but studies are underway. Club Med, which has endorsed in Mauritius a new cap of real estate by selling villas, in well go further. By offering individuals to buy either villas or apartments in cottages as in Valmorel, but simple rooms in clubs. He will earn the investors and lower budgets than today. The group examines two such projects, the first is an extension of his club in Columbus, the Bahamas, the other is a new facility in Brazil, Buzios, sometimes described as the St. Tropez of Brazil.  

New strategy

Meanwhile, the Club has decided to launch the third installment of La Plantation d'Albion (five villas with 3 and 4 bedrooms available in summer 2013 from 1 no fax needed payday loans.4 million euros) and the second installment of Valmorel ( 19 apartments of 2, 3 and 4 bedrooms from 546,000 euros excluding taxes, delivery at Christmas 2012). A strategy that fits into the new building policy group, determined not to carry all its real estate assets. The general meeting of the Club will be held March 12.

ALSO READ:

"Club Med sells chalets in Valmorel

"Second home – for maintenance, the note remains salty

"House prices fall campaign

SERVICE:

"Find all the ads with Explorimmo

FOLLOW THE REAL ESTATE ON FIGARO:

"Twitter: @ LeFigaro_Immo

For the Union of the national daily press (SPQN), the situation is bitter while 20 million French people consult each month at least one site of news releases, and that six of the seven major news sites are from the print media, newspaper companies have only marginally redistributive mechanisms of value, nonetheless very real in other areas of content creators, such as audiovisual, cinema or music. As revealed Tuesday Les Echos, the SPQN decided to take his pilgrim's staff and meet in the coming weeks the different candidates in the presidential election to submit their proposals.

€ 150 million

Teams to campaign, the union will submit two proposals. First, to extend the online press the VAT rate reduced to 2.1%, which already applies to the press. Then, a mechanism of redistribution of the value generated by the digital divide between market players (ISPs, portals info, search engines and manufacturers) and publishers of online news. According to the calculations of the firm Kurt Salmon, the manna that could be levied for the benefit of the press would represent 140 to 150 million euros a year. The idea would be to pay all the contents of the press in line for their contribution to the value generated by the purchase of equipment (PCs, smartphones, tablets …) for their contribution to the value of Internet subscriptions.

"For ten years, newspapers have made massive investments in the digital to win the battle of the Internet audience, says Marc Feuillée, president and CEO of SPQN group of Figaro. They have contributed to the rise of the digital economy while at the same time, value creation has benefited almost exclusively to technology players. "

A social issue

Kurt Salmon has calculated that 72% including news headlines highlighted on the Google News come from actors of the press online, against 28% who are from groups or audiovisual news agencies (AFP, Reuters …), and 30 to 40% of the news page of the portal Orange are also from news sites.

Considerable weight but that is not reflected in the value created by the digital economy, estimated at 10 billion euros per year (excluding equipment), revenue from digital media and had only 280 million euros in 2010, including 235 million in advertising and $ 45 million through the sale of content. 

The SPQN sees the opening of this debate a social issue, the press being the source of the media loop, that is to say, the first source of reliable information from other media, and therefore a essential to the general interest in the information society. "If we want to maintain quality information, it must regulate the digital marketplace," says Marc Feuillée.

Newsagents will choose their offer

The new Regulatory Authority for the distribution of the press (ARDP) makes his first arbitration. It just made enforceable reform of the assortment, which should allow 29,000 newsagents to choose some of the titles they wish to sell in order to respond more adequately to the demand of their customers. Adopted in November 2010 by the Supreme Council of the Courier Press (MHCP), this measure was blocked by a lawsuit from small publishers. The ARDP should also decide in the coming weeks on the adoption Tuesday by the MHCP new rules on notice of a transfer of securities to another email. According to the winning proposal, the notice period could now be conditioned on the seniority of the business relationship between the publisher and messaging and volume represented by the security involved in the transfer.

ALSO READ:

"Proust:" The press needs a solid sales network "

"Metro acquired by its largest shareholder

"The Tribune puts an end to the daily paper

The G20 summit opened in Cannes on Thursday in an acute crisis. President Nicolas Sarkozy had to leave an extraordinary meeting of the euro area to hold under a rainy sky guests, leaders of 20 leading world economies.

The crisis in the euro area has so encroached on the official program that the French president had to cancel his meeting with Indian Prime Minister Manmohan Sing. French President Barack Obama had previously met face-to-head and seems to have gained the support of the United States for its proposed financial transactions tax cash till payday.

The political changes in Athens have also punctuated the start of the summit. Returning to Greece after being scolded by Nicolas Sarkozy and Angela Merkel on Wednesday, Prime Minister George Papandreou is facing the sling of his own ministers.Rumors of resignation are insistent, despite denials from the Prime Minister.

On Thursday afternoon, the G20 countries were in flooring solutions to end the crisis, reform the international monetary system, and the increase of IMF funds. If the crisis in the euro area permits.