How can a caravan

Caravan: a specific contract?

According to French law, any insurance or any caravan trailer is mandatory. Also, if an insured decides to tow a caravan with his vehicle, he must notify his insurance company. If the total weight to load (GVW) of the caravan is less than 750 kg, it is on auto insurance of the towing vehicle. However, if the total weight to load (GVW) of the trailer exceeds 750 kg, it must have a specific insurance policy.

The insurance contract specifically the trailer can be purchased from an insurance company specializing. However, to enjoy a good quality / price ratio, it is advisable to use the same insurance company ensuring that the towing vehicle.

Namely: if the trailer weight exceeds a total load (GVW) of 500 kg, it must have its own logbook. This must be forwarded to the insurance company.

Consider the use made of the caravan

Whether stationary or towed, the trailer must receive liability coverage to cover damage to third parties. If it is a permanent home, it becomes necessary to take out specific insurance.

The duration of the insurance can be modulated according to the frequency of use of the caravan cash advance payday loan. If it is possible to ensure a caravan all year, it is also possible to insure a timely manner, for example, only the holidays.

Purchase additional coverage

If liability coverage is mandatory for a caravan, it is also possible, such as auto insurance, take out specific safeguards. Thus, the accidental damage warranty can cover the repair of the trailer in an accident. The guarantee can cover theft theft but also the attempted theft of the caravan and its contents. The compensation is brought in only if the insured is able to provide physical evidence of the loss.

The warranty fire and explosion can cover fire outside or inside. This warranty also covers the damage done by lightning.

Note: If a specific development is carried out in the caravan, it is best to notify the insurance company (especially when planning costly).

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The Paris daily reprieve in Normandy

 

The new, bad, is not yet official but could be announced to employees on a works council to be held Monday, February 27: Paris Normandy could file for bankruptcy. According to the union SNJ, the regional newspaper, owned by Hersant Media (GHM), after considering a social "scale" would be forced into this solution and, more broadly, the entire division titles Norman Group Hersant Media, which includes, besides Paris-Normandie, Havre Free daily newspapers, Le Havre-Presse and The Progress of Fecamp, and their weekly supplements.

The direction of DRG does not comment. But the situation of his pole Norman is actually very difficult. The paid circulation daily Paris-Normandie has dropped 23% since 2006 to just 52,606 copies at last count of OJD. That of other securities decreased by 26% in five years.

"We fear to a social minimum, at worst a bankruptcy filing," said the AFP-Benoît Marin Curtoud, delegate from Paris to Normandy SNJ.

Discussions with the Belgian Rossel

While DRG is continuing discussions with the Belgian group Rossel to create a joint venture of leading regional dailies in France, the pole Norman seems to be a final hurdle before the conclusion of an agreement. According to the SNJ, the Company Norman publishing and printing (SNPEI), which publishes such titles and employs 365 employees including 114 journalists have registered last year a deficit of EUR 2 million and annual sales of around 40 million.

For the Hersant Media Group, which has already had to close last November Comareg (Released Sold) resulting in the heaviest social of 2011 in France (1650 employees), the liquidation of Paris Normandy would be a second crushing defeat.

A few weeks before Christmas, a doll sold by the chain Toys "R" Us "wreaks havoc across the Atlantic to the point that offended parents rushed to the site of the company to request that it be removed at the earliest of the sale. For, they say, the doll that is part of a set of triplets do not babble as usual by spelling his name does not twitters saying hello, do not cry when she feels lonely. No, this doll … jure. And what rough way!

To listen go to a child who takes her in his arms, is believed to actually hear the words crazy bitch (bitch sort of) in his babbling. Enough to jump to the families who let go on the website of the company and called for a boycott!

"Do not buy!"

"Return the dolls, boycott Toys" R "Us, outraged Sue, of Tulsa (Oklahoma, south) on the website of the chain of toys under the picture of the doll."I'm outraged," exclaims also a grandmother of triplets from Boise (Idaho, north-west). "My girls were 2 and a half years, I do not want her to hear such language,".

"Do not buy," recommends his side Danyelle, Fayetteville (North Carolina, South East) who said he checked with six different people that the doll angelic promise indeed.

A spokeswoman for U.S. Toys "R" Us, said the doll is sold in the United States did not swear, and it was only a "babbling." "We will not sell obviously not a doll swear, "said Jennifer Albano, adding that the brand of toys did not intend to withdraw from the sale.

This is not the first time that toys are controversial within days of Christmas.

The virtues of rental real estate are well known. This is one of the only investments that can make on credit to build wealth. It is also a good way to prepare additional income for retirement. Finally, it is a way to accommodate her children or send them a valuable asset to start in life. However, the life of landlords is not a bed of roses! Some trace their route on this road winding and sometimes treacherous.

This is the case of Vivian B., 57, teacher. This Lyonnaise conducted between 1991 and 2010, three rental investments in his city. "I spaced each acquisition a decade, the time each time to pay off my credit. I always chose the studios in the IVth arrondissement of Lyon, an area popular.The lease payments used to pay me a portion of the loans, but each time I had to add 100 to 150 euros a month, "she says payday loans. Handyman, Viviane never hesitates to restore its apartments, it manages solo. Another "trick" by Viviane: the choice of holiday rental. "This formula provides short leases, or a year. Thus, it is easier to separate from a deadbeat tenant. "

1500 euros of additional income per month

For her, the acquisitions will stop, "because this investment is not worth the shot," given the rise in property prices in particular. "Every studio brings me 6%. But if I bought the same day, the yield would fall to 2.5 or 3%. "Soon to retire, Viviane Heritage is satisfied that it has formed. "My pension should be around 1.300euros month.

The newspaper editors united against Apple

The French press bristled. In a joint statement, the leading provider of daily newspapers and magazine announced Friday that it will not NewsStand titles in the digital kiosk that has just been launched by Apple with its new mobile operating system (IOS 5) . Digital versions of newspapers are accessible via the iPhone and iPad applications.

"The trading conditions imposed by Apple today are unacceptable," consider the union of the national daily press (SPQN), the Union of the regional daily press (SPQR), the SPM, which represents the magazine, and professional union the magazine of opinion (SPPMO)."They are undermining the economic model of the press and ultimately reduce the choices available to Internet users."

Newspaper publishers have stalled on several issues with Apple charges for the sale of newspapers imposed, failure to provide subscription multi-platform and commission rates, considered "excessive". It is 30% for any sale in the App Store – be it a press title, a video game or a piece of music. But more than the standard rate of commission is the loss of control over customer relationships that worries the press."Personal data readers are the property of Apple and are not systematically shared with publishers, yet anxious to establish a relationship of trust with their readers to better take into account their expectations, 'the publishers.

Call for government

These criticisms have emerged since the launch of the platform download App Store in 2008 and is shared by publishers around the world. Newspapers have tried to deal with the manufacturer in developing their own applications, offering subscriptions multi-platform on their websites and enlançant a common digital kiosk application in late June (e-Presse premium). But the very existence of the latter is now threatened by NewsStand."We have not intended to be distributed by a single booth, but we want to be distributed under normal conditions," said one editor.

French media owners could benefit from the organization of the conference "New World 2.0" by Minister Eric Besson, this weekend, to educate government and foreign players to their difficulties. The battle is not won. As with Condé Nast, some media groups have signed with Apple in the U.S. while their French subsidiary belongs to the anti-sling NewsStand.

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The Asian market in the dark red

Asian operators in turn penalize the poor performance of U.S. jobs. On Monday, the major exchanges in the region are in the red on Monday, after falling more than 2% on Wall Street Friday and that of almost 4% in Paris. As elsewhere, the Asian stock markets suffer from fears of recession in the United States. The U.S. Department of Labor has announced Friday that the U.S. economy has not created any jobs in August, while analysts were hoping 70,000 net new hires. The ministry said the unemployment rate held steady in August at 9.1%.

In Japan, the Nikkei started the session on a drop of 1.37%. An hour of closing, he gave up 1.86% and sinking below the threshold of 9000 points to 8784 points. In Hong Kong and Shanghai stock markets lose respectively 2.17% and 1.63%.The Korean Kospi fall more heavily to 3.21% while the S & P Australia fell by 2.30%. The Indian Sensex lost 1.18% in turn.

Financial and technological attacked

As for values, the indices in the region are pulled down by the financial sector. In Tokyo, Nomura Holdings (-4.64%), Mitsubishi UFJ (-2.34%) and Shinsei Bank (-4.55%) decline severely. In Sydney, Macquarie Group (-3.70%) and Westpac Banking (-3.12%) drop. In Hong Kong, HSBC Holdings lost 2.23% and -1.69% Bank of Communications.

Similarly, the technology sector is affected by fears of a slowdown in global demand. In Japan, TDK lost 3.84%, 4.39% Fujitsu, Ricoh and Sony 4.42% 3.69%. These latter values ​​are also impacted by a still too strong yen against the dollar. In Korea, LG drops 3.7% while Hong Kong, Lenovo lost 2.46%.

Oil down

Oil prices were also misguided Monday morning in electronic trading in Asia, depressed by the poor figures on employment in the United States. In morning trading, a barrel of "light sweet crude" for delivery in October lost 59 cents to 85.86 dollars per barrel of Brent North Sea crude for October delivery 74 cents to 111.59 dollars.

In Australia, the energy sector is penalized. Santos lost 4.92% and 4.32% Oil Search.

Carrefour and Auchan bet on the return

The new school year has begun. The shelves of supermarkets anyway. Intersection and Auchan hypermarkets which have lost market share since early January, play their all to save the year. Their goal: to take advantage of this period, the largest in terms of sales after Christmas, to bring back customers and especially to force them to remain faithful to the brand.

Carrefour, the worst off of two, decided to strike hard, even if release into the wild to 1.3 billion euros of gift vouchers. The never-seen! "Our premium of 100 euros back complements the allowance paid back Friday by the government," said Noël Prioux, executive director of Carrefour France. The group breaks new ground by distributing 13 million in its hypermarkets checkbooks containing 10 vouchers of 10 Euro, valid for 5 weeks and from 30 euros to buy.The customer can not spend only 2 per week, in two predefined rays associated with the start, the traditional paper products and linens to leather, textile (women, men, baby) and electricity and the tooling. "We make a significant investment to support our customers in a key moment when they are faced with many expenses in a difficult environment," says Noel Prioux, which must succeed this time, after a failed September 2010 and the beginning of year catastrophic. The poor performance of the domestic market have already caused the departure of its CEO, James McCann, and sealed half-year results of the group.

Increase traffic

In addition to the premium back promotions in other departments. Carrefour also has finally increased the share of its own brand.When performing these three devices, the reductions can approach 80% back on the shelves, supports the group. If the brand has loyal customers and win back others with this, it has also not forgotten the food department. "As for offering toys at the end of year deals on the products at the start of school is only profitable for the traffic they bring," says one consultant. And provided that once in-store customers take the opportunity to make further purchases. "We've lowered our prices in August 1000 on food references: the effort for the products most frequently purchased by our customers, everyday products (dairy products and desserts, for example), and the products popular with families, "said Noël Prioux, which means" to rediscover Carrefour. "The objective is clear: "re strong business momentum in the last quarter."

Auchan and Système U have introduced similar devices. Thursday and Friday, customers who buy 23 items in the school are being taught northerner all of the purchase paid in vouchers to spend in the entire store … next week. In addition, the company offers a special on the shelf textiles from there too in addition to its promotional programs most common in the food department.

Mortgage: rising interest rates slows

If prices continue to increase, rising interest rates tend to slow down on its side. The latest results of the Housing Credit Monitoring / CSA published Monday, the average rate charged by banks for getting a home loan rose to 3.90% in July, or 0.04 basis points over that in June.

It's much more at the end of 2010, where it reached a low of 3.27% on average, before rising sharply in the first quarter of 2011. In the early months of the year, interest rates have taken nearly 10 basis points per month, before slowing gradually to rise in the second quarter.

Because the factors that competed so far in the rise in interest rates now seem not to have to play. "The increase began in November 2010 was related to liquidity constraints imposed by the Basel III.To satisfy them, the banks have increased their margins on new loans paperless payday loans. Today, this adjustment – of around 70 points to 100 basis points depending on the establishment – is probably done, "said Michel Mouillart, an economist at Paris X-Nanterre.

Other factors, however, could take over. The cost of money, in particular, could rise because of uncertainties related to the amount of sovereign debt. For the moment, "this factor did not play," said the economist. But it is already expected that the three-month interbank rates and increasing to ten years until 2012, drawing upward those for mortgages. "The movement of rising interest rates should continue," predicts ultimately Eluère Olivier, an economist at Credit Agricole.

Increase the duration of loans

Photo credits: Jean-Christophe Marmara / Le Figaro

Greece: The judge left with insufficient

In general, policy makers and global economic welcomed on Friday the new aid package of nearly 160 billion euros to save Greece. In France, François Baroin, the Minister of Economy, and Valerie Pécresse, his counterpart in the Budget, were the first to emphasize the benefits of the plan this morning on RTL and RMC, respectively. It's then Prime Minister, Francois Fillon, who returned on the details of the agreement, and most importantly, who has estimated the cost to France at 15 billion euros. All three said they were very satisfied with this plan. But French opposition, meanwhile, remains critical.

• François Hollande (PS) The socialist candidate for president in 2012 called Friday for "late and poor" the new plan of aid to Greece, even if deemed "necessary."At the micro de France Info, François Hollande spoke of "relief": "The markets for some time will be appeased, especially since it is the States that will make the main effort." However, it refrains from any "complacent", saying the plan is insufficient. He deplored, among other things that the tax credit was set aside.

• Martine Aubry (PS) Another presidential candidate, former secretary of the Socialist Party also welcomed an agreement has been reached. But the problem is "whole" in terms of "building the government of the euro," she said in a statement. Thus, "Europe has risen almost a disaster: the collapse of the single currency by lack of political action against speculation," says she. Before qualifying as "unacceptable" that "the rating agencies weigh so much on the choices that affect half a billion people."And reiterates its desire to create a tax on financial transactions.

• François Bayrou (Modem) – The plan "will not" slammed the president of the Democratic Movement. He sees in this agreement a lifeline intended to give "relief to the Greek government." To him, other crises will undermine the euro area. It regrets in particular that the measures adopted to reform the banking sector of Athens were not extended to other members of the euro area. Before you lament that "the rules and structures of defense systems of the European currency" has not been established.

• Arnaud Montebourg (PS) – The agreement "will likely relieve pressure and gain more time," said the PS deputy and president of the General Council of Saone-et-Loire. It considers, however, that this plan is not a solution as "effective and fair" that he should have been.Among other things, he accuses him of "load" European taxpayers by saving the banking sector.

• Marine Le Pen (FN) The leader of the Front National sees in the plan a "very bad news." "Another 109 billion euros of public money spent for nothing," she exclaims, lambasting a euro area "already bankrupt." And renew its desire for a "concerted output of the euro", since the plan "sign the stubbornness of the ruling caste to want to save at least one euro become synonymous with debt, unemployment, and insecurity", asserts she said.

• Jean-Michel Baylet (PRG) – "The measures taken to stop midstream." But esteem is what the president of the Radical Left Party (PRG) in a statement Friday morning. If he sees in "solidarity with Greece" a "necessity", Senator regrets measures "purely technical"."Above all, the vicious circle of speculation is not stopped," he supports, before advocating "a tax on financial transactions of sovereign debt across the European continent."

• Pierre Laurent (PCF) – a decision that "protects the interests of major creditors, banks and insurance companies, and speculators." The national secretary of the PCF has blasted the new plan to help. "The relaxation of systems refinancing and redemption of public debt will not illusion," he criticizes in a letter to AFP. "The risk of widespread collapse of the system is real.The role of the European Central Bank is not redirected, hedge funds are not taxed, the idea of ​​a tax credit is abandoned, "he recites.

• Nicolas Dupont-Aignan (DLR) to the President of the Republic and Member of Standing of Essonne, the "arsonists" played with "firefighter" for "attempting to deceive public opinion still." He sees in this agreement that a "large patch", which "is a little more into debt without the French helping the Greeks." For him, "the cause of the collapse of the economies of south of France" is by no means settled.

Internationally, the reactions are positive

• Philipp Rösler (German Minister of Economy) It expressed satisfaction on Friday, the summit of the eurozone. But he warns that secondary market purchases by the European Financial Stability (EFSF) should be strictly controlled.He recalled that it is one of the cornerstones of the agreement announced Thursday, to the extent that it must allow support of Greece while avoiding spread of the crisis to other economies in the euro area.

• Jan Rostowski (Polish Minister of Finance) He also welcomed a "step in the right direction." "For the first time in years the euro area began to anticipate events," he adds in a micro national radio. Now, even if the rating agencies formally declared insolvency of Greece, "the problems of Athens, Ireland and Portugal are sufficiently well resolved so that it does not spread to other countries," he said.

• Evangelos Venizelos (Greek Minister of Finance) At a press conference Friday morning, the Minister welcomed an agreement that in his view a "great relief".For him, the country's banking system is so "guaranteed and insured." In addition, Evangelos Venizelos welcomed the emergence of a "European meeting" in his view, the decisions of the euro area provided a "clear and precise solution" against "asymmetric warfare [...] between the European Union and the markets. "

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A crucial summit on the future of the euro

With the crisis of sovereign debt markets do not stop to test the strength of character of the leaders of the euro area. For fifteen months, each meeting a European success patching, without warning the next stroke. Greece. Ireland. Portugal. Save the euro? This issue will again this week for an emergency summit. This time with a difference: everyone, or nearly so, may feel targeted.

When seventeen heads of state and government will meet Thursday at noon, it is not the technical options that were missing.Bail increased, lower interest rates, longer maturities, to the private sector or restructuring in good and due form, all solutions are on the table since that Greece came close to bankruptcy for the first time in spring 2010 .

What has been lacking, however, is the political will and responsibility in a Europe that receive capital not as a common project, but as a domestic policy variable. In contrast, the contagion effect can lead to collective reaction. With Italy last week, found himself the danger of a sudden the heart of the euro.

Rome is also dropped two warnings the most striking. "The creditworthiness of sovereign states is no longer a given," said Mario Draghi, the future President of the ECB at the address of the seventeen cities.And "like the Titanic, the first-class passengers themselves can not cope", predicted the finance minister, Giulio Tremonti.

Greek debt buyback

The warning covered Alps. For the first time, the finance ministers of the euro come to accept that markets and financial experts claim for months no fax payday advances. Yes, Greece, diving in the austerity and recession, may find themselves unable to pay on its debt maturities or interest. And no, a default is not to be excluded in the euro area. Only the ECB still refuses to admit it.

Under this constraint, but also recognized virtual summit Thursday that will tie up a second bailout of Greece. "The key is to improve the ability of Greece to support and pay down debt," insists the German finance minister, Wolfgang Schäuble.In all cases, private creditors – banks and investment funds – will have to fire from, or participate in the effort.

The easiest is to help Greece to repurchase some of its debt through loans from the EFSF the bailout funds in the euro area. Germany has long opposed it in the name of financial orthodoxy. But the accelerated depreciation of Greek securities on the secondary market allows Athens to reduce debt on the cheap, which meets the stated objective in Berlin. The other option would be to exchange the securities for longer maturities.

The plan should cover the needs of public financing of Athens until 2014, some 100 billion euros.He may doubt that Dublin, Lisbon and other capital assisted want to enjoy the same flexibility in time.

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