Change the marriage contract to better protect her husband

Your matrimonial is it still fits your financial situation? Through the acquisitions made during the life, property division rules established by the initial marriage contract may no longer meet the needs of the couple, including the death of one spouse.

The rules of succession are now more protective of the surviving spouse. They guarantee him at his option, the option of retaining the use of all of the assets of the deceased, or to obtain full ownership of one quarter of those assets. The question arises, however, with respect to the principal residence, especially when children are involved. If one spouse wants more protection, it is possible, by gift or by will to assign ownership of property.

The fall of a six-story elevator building in a housing project in Paris on October 27, revived the debate on the safety of these facilities. Work had been made last month on this lift-de-registered by the company Schindler Somatem, responsible for maintenance. Tenants of the building where the accident occurred will file a complaint against Paris-Habitat, owner, announced their partnership "Tenants angry." The social landlord, he has filed a complaint against X. An investigation is underway to determine if it was a defective part of the manufacturer or poor maintenance. Contacted by The Figaro.fr Schindler declined to comment.

France has 520,000 elevators, accessible to 482,500 people. National Park is the most dilapidated of Europe, half of the devices with more than 25 years and a quarter over 40 years, according to the Federation of elevators online cash advance.He points to the installation of variable frequency (a braking system is turned off) on all lifts while he believes that technology is only useful for devices used extensively, is to say in very high buildings or offices, or 20% of the housing.

• New constraints maintenance and troubleshooting

Paul Philippot, managing director of the National Union of property (UNPI), professionals have "staked everything on the renovation, more lucrative than the interview." Robien law has yet mandated a visit technicians every six weeks. "But the elevator companies are understaffed to meet this obligation," said Bruno Dhont.

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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Tax: light drinks would not be spared

The fans thought they were lights beverage spared the tax on soft drinks made by the Government in late August. Did not count on a UMP Amendment / New Centre approved in committee Wednesday as part of the review of the draft budget 2012. While the amount of tax on sugary soft drinks is on track to be doubled, MPs are now looking to expand the scope of this tax on soda beverages containing sweeteners.

The government, which did not include this option in the first place, now says not to exclude the idea. "It is the wishes of the parliament, we will discuss," said the spokesman of the government, Valérie Pécresse, on the set of Canal + on Thursday.

The stakes are high for the government because the sugar-free drinks, but with sweeteners that give a sweet taste, is increasingly consumed.Today, they account for 17% of the soft drinks market with strong brands like Diet Coke or Coke Zero.

No figures have yet been provided about the extra tax revenue that would generate this new amendment, if adopted in plenary session. The previous amendment adopted by the Finance Committee of the National Assembly, to double the amount of tax, also remains to be validated by all the members. By itself, it could generate a windfall estimated at 250 million euros a year, instead of 120 million euros initially planned. The rate of contribution on the sodas would be increased to 6.22 euros per hectolitre in 2012.Then he would be raised from the beginning of 2013, to January 1 of each year, at a rate equal to inflation (excluding tobacco) in the penultimate year.

Support the agricultural sector

As announced in the Figaro, the objective of this expansion drinks with sweeteners is to finance the lower cost of agricultural labor "to allow our farmers to sell their products at the same price as Germany and Spain" explains Valérie Pécresse payday advances. The government has in fact reduced in 2012 from 210 million payroll taxes on permanent farms. The tax will be reviewed and corrected to about half.

The industrial problems digesting the news. "We said from the beginning that it was normal to participate, provided that everyone involved in the fight against deficits.Simply, we do not want to be the adjustment variable of all the deficits that pass and on which we have not much to see, "said Jean-Rene Buisson, president of the National Association of Food Industries (Ania ). The doubling of the tax sodas would, he said, an estimated increase "between 0.2 and 0.3 cents" per can.

No problem for Michel Diefenbacher UMP (UMP): "These drinks, which are not basic necessities, benefit from the reduced VAT rate.They must be able to withstand the additional load generated by this new contribution, "says he in a sub-amendment.

But for now, nothing is yet definitively confirmed nor on the doubling of the tax, nor about its extension to drink with sweeteners.

End of aspartame in system U

The distribution group Système U has chosen to abandon the use of aspartame in soft drinks sold under any brand, starting in January. For the first time a manufacturer makes such a decision. This choice responds to the concerns of the European Food Safety Authority (EFSA) on the effects of this artificial sweetener.

Système U has already banned the use of parabens in cosmetics and Teflon in cookware. Its chairman Serge Papin, expresses his desire to "become a leader in healthy products."

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Ghosn's efforts to regain Renault

Came one week in Brazil to announce the expansion of the Renault plant in Curitiba (Parana State) and the creation of a site for Nissan in Resende (Rio de Janeiro), Carlos Ghosn, CEO of both companies, was welcomed as a head of state in his homeland.

Last Saturday, the President of the Republic, Dilma Roussef movement shifted to receive it. "We are very proud of you," she would have slipped to the one she considers the child in the country. He also had dinner in an atmosphere of "friendship" with the two governors of states where the group operates, before signing the agreements in their luxurious palaces. Finally, it was applauded by the workers of Curitiba, massed on the lawn of a sunny site, which he wrote a speech.

Relaxed as ever, we feel in his element."It's good to be true that in Brazil," said the globe-trotting owner, who was about to visit this weekend to his mother and two sisters, who live on site. For him, this country is a paradise full development. Here, as in China, "we prefer to see what will, while in Europe the focus is on what's wrong."

Yet it is this gloomy old continent – particularly in France, where he is idolized as far from Japan, China or Brazil – that he decided to spend more time, "pulling consequences "of the false espionage earlier this year.

For many, this fiasco was proof that the owner of two companies whose headquarters are located 10,000 kilometers away, was disconnected from the reality of Renault.Many employees, union representatives, but also members of the government, which accused him of favor at the expense of Renault Nissan, having sought to speed up the relocation.

"Today I am more present in France," he says, whereas previously the Hexagon was only 35% to 40% of its schedule. Nissan is going at full speed in China or the United States, Carlos Ghosn promised then to look at the head of Renault, less efficient no fax pay day loans. Japanese sales are expected to double according to him between 1999 and 2011, reaching 4.8 million units, while those of Renault have increased marginally over the period (2.6 million last year). Goal back on track in Europe, where sales of the group fell by 10.6% over the first 8 months of the year.But also boost the image of a registered design banal and lacking in high-end models.

One patron

"Pragmatic," Carlos Ghosn admits he made mistakes. "I was probably too delegate and I paid the consequences," he admits. "One of the problems at Renault, is that people felt that there were two bosses. There must be only one boss, and that's me, "he insists. As a result, the CEO, for whom the "management of Renault changed," "regained control of a number of operations" as the high end, human resources, communication or the ethics committee . He also concedes that the crisis has had under "to clean up relations" with the state (which holds 15% stake) and make the company "more mature".

Be present at the headquarters of Renault and be first in line, that is precisely what the CEO had promised, after the reorganization of the group in late May, which had weighed heavily on the government. Paying for his handling of the "case", Patrick Pelata, Renault's number two, had been set aside in favor of Carlos Tavares.

Mechanically, the scope of responsibility of Carlos Tavares, his number two has narrowed compared to that of his predecessor. "It has fewer powers," but of "autonomy in what remains," said Carlos Ghosn.

The question is whether the iconic CEO will honor its commitments over time. One thing is certain, it is restore the image of the diamond brand in Europe find it in France a strong credit started this winter.

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The concern again lead the CAC 40

Friday promises to be as black as the night before at the Paris Bourse. The CAC 40 was launched on the day down 0.37% to 3064.49 points. But around 9:40, the drop is accelerating: the Paris index unscrewed from 3.44% to 2970.13 points, releasing the threshold of 3000 points. London and Frankfurt lost respectively 1.10% and 1.36%. 2.19% loose Madrid, Milan were down 2.14% and 1.76% in Zurich.

Operators are struggling to recover from their emotions after the new European stock markets plummeting and U.S. Thursday. This morning, Asian stock market sent negative signals with indices in very sharp drop. This bad mood due to a surge in concern about the state of the global economy, reinforced by poor indicators of the Atlantic.Bad index measuring the Philadelphia Fed manufacturing activity in the region, lower sales of existing homes in July, new jobless claims rising again during the second week of August … All signs of the apparent stagnation of growth in the United States.

Concerns about U.S. growth fears add to the debt crisis in Europe, European banks are the first to bear the brunt. In its Thursday edition, The Wall Street Journal reported on fears the U.S. Federal Reserve on the liquidity of European banks. And for the first time since February, the European Central Bank (ECB) has given a major dollar loan to a European bank, whose identity was not revealed.An action that reinforces doubts about the ability of banks to refinance.

Morgan Stanley has added his two cents to panic, explaining that she perceived the United States and Europe as "dangerously close to recession." The President of the European Union, Herman van Rompuy, tried Thursday to calm the mind by ensuring that there was "no new recession" in sight. And this morning, Chinese Vice President Xi Jinping has reaffirmed that the U.S. economy was "resilient". In vain.

"The bears are back"

"The bears (pessimistic players, ie) are back in force that night, after disappointing U.S. economic indicators and renewed fears about the stability of European banks, which prompted investors to push the button sales," said Ben Potter, an analyst at IG Markets in Australia."There seems to be getting ready for a weekend very ugly, with a market dominated once again by fear and panic," he added.

Gold reached a new record Friday morning in Asia, to 1,837.50 dollars per ounce, due to the concern. And oil, which fell 6% in New York yesterday, continues to fall in morning trading. A barrel of "light sweet crude" for September delivery lost 1.69 dollars to 80.69 dollars while that of Brent North Sea crude for October delivery gave 68 cents to 106.31 dollars.

No significant indicator that could reverse the trend, are expected on Friday.

Values ​​to follow

The banking sector

European financial stocks, which had been rolled by a renewed tensions in the interbank market and concerns about the short-term refinancing of banks are still misguided.BNP Paribas (-3.22% to 33.11 dollars), Natixis (-2.90% to 2.81 dollars), Credit Agricole (-2.70% to 6.06 euros), Société Générale (-2, 69% to 21.02 dollars) and AXA (-0.56% to 10.28 euros) are in the red.

Danone: -1.75% to 46.05 euros

Nestlé, the group became a favorite activity for infant formula, Wyeth, Pfizer subsidiary, valued at approximately ten billion dollars (seven billion euros), officials said a source familiar with the bank.

Technip: -3.67% to 57.77 euros

The French engineering group said it had received a letter of intent on the part of the American oil company Anadarko for the construction of an offshore platform for the Gulf of Mexico.

Towards a tax on "high income"

When in 2007 the Merkel government has created an additional income tax of 45%, Germany was against the current. At the time, it was time to lower taxes to encourage work. But the crisis and rising public deficits have changed everything. Germany has become more and more followers. In 2010, the UK has increased to 50% the rate of the highest portion of its income tax (IR). And Italy is preparing to introduce a solidarity tax for employees earning more than 90,000 euros.

More surprising number of taxpayers potentially affected by such a tax do not hesitate to ask now open! American side, the billionaire Warren Buffett has called this week for a contribution of "mégariches."In France, Maurice Levy, chief executive of Publicis Group and president of the Afep (French association of private companies), wrote in his name, an article in Le Monde, where he considered it "essential that the effort Solidarity begins with those whom fate has spared. " All indications are that it will be heard as the French government pledged last spring to introduce a tax on high incomes. "Today we are working on the issue of remuneration is said sometimes extravagant," reiterated on Wednesday on Europe 1, the budget minister, Valérie Pécresse.

The majority has already noted last year from 40% to 41% in the final tranche of IR. But this time it is hit with higher incomes (the final installment begins 71,000 euros in annual revenues). And this without creating a new rate of IR.While some lawmakers, like Senator Jean Arthuis centrist, still defend the idea, Nicolas Sarkozy is opposed to any new slice. Since the fall, the government has consistently rejected in Parliament every initiative of his majority to create a slice with 46% annual earnings per share in excess of 100,000 euros.

A million or 150,000 euros of income a year?

The Ministers of Economy and Budget has established a working group of parliamentarians who must propose measures in the fall, in the 2012 budget. The idea of ​​the executive, initially was rather taxing high incomes via the company by making non-deductible from corporate tax wages above a certain level. But the government now seems to favor a direct taxation at the household level, a solution advocated by many parliamentarians.Gilles Carrez, the UMP rapporteur of the budget in the Assembly proposes to introduce a contribution of 1% to 2% of annual revenues in excess of one million euros.

Advantage: All income is affected, including dividends and capital gains, not just wages (as with the non-deductibility). The threshold of 1 million French can target very easy – 30,000 homes would be affected. "The measure must be a symbol. This is not to bail out of the state, "said Jerome Chartier, UMP du Val-d'Oise. Indeed, 2%, the new tax would yield only 300 million (against $ 1 billion for the portion eg 46%). "Be careful not to pour into demagoguery and rich hunting. The contribution must be calibrated, "adds Philippe Marini, UMP rapporteur of the budget in the Senate.

Problem: all members do not see it that way.Pierre Mehaignerie, the UMP president of the Committee on Social Affairs in the Assembly hopes that the contribution applies from 150,000 to 200,000 euros in annual income for couples and 80,000 euros for a single. At this level, more than 300,000 homes were affected, including many executives. "I understand that. But our people are ready to make an effort if, at the same time, the state reform, "Pierre defends Méhaignerie. The animated discussions ahead in the majority!

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Debt: France deserves what score she?

The three major rating agencies have Anglo-Saxon reassured after the deterioration of the U.S. debt rating by Standard & Poor's: France, with a AAA, will not follow the same path. At least in the coming months. An agency is an exception, the Chinese Dagong. It gives the country an AA-rating, while preventing it could soon lower it. Large agencies and small news, who's right?

Dagong is not severe with France. "She has a much more negative than Western agencies of the United States, the United Kingdom, France, Belgium, Italy, Spain, observes in a note to Patrick Artus, head of economic research at Natixis.Regarding the situation of public finances and potential growth, we can only give reason for Dagong against three major rating agencies. "

But the financial rating of a state that reflects the risk that it does not pay-or-bad debt, is not based solely on purely accounting. Moreover, France does not deserve an AA if only the statistics alone were taken into account by Standard & Poor's, according to calculations of Natixis.

Political risks

"The gap between Dagong and the three major agencies and explained in the apprehension of risk policy and governance," notes Juan Carlos Rodado, economist at Natixis, and author of a study on the methodology of rating agencies. An example: Venezuela has severely noted Standard & Poor's (BB-) by Dagong (BB +), because the former has less confidence in the Chavez government.Moody's, Fitch and Standard & Poor's, unlike Dagong, also place a note on the weight of history. If a country has poorly paid its creditors in the past, such as Russia in 1998, the final verdict will be more severe. This factor discriminates against developing countries, and benefits the West.

At the heart of the statistical arguments, the Chinese agency promotes stronger economic growth and foreign exchange reserves, that is to say the cash generated by an entire economy thanks to exports. This way of clearly favors the emerging countries, major exporters (including China) and catching up economically.

The agency Dagong appears too severe, however, in general, said Jean-Christophe Caffet, an economist in charge of France, Natixis also: "She has placed virtually no major country in the AAA category, and those that are found are the debt markets rather narrow in which we can not really invest, such as Norway, Denmark, Luxembourg and New Zealand. "

Question of Independence

Also emit some doubts about the credibility of the agency Dagong. It has only twenty analysts to rate 67 countries, against 70 to 80 126 Standard & Poor's. In addition, its relationship with the Beijing government cast doubt on some Chinese economists, reports Le Monde. Finally, the same method as slides Juan Carlos Rodado, is not innocent: "When Dagong underestimated so the political risk, we understand the underlying interest."Namely encourage emerging countries close to China.

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Paris and Berlin agreed before the summit on the euro

A first relief is visible on Thursday morning in the euro area, a few hours of the meeting of European heads of state in 13 hours, which is to lay the foundations for the rescue of Greece. Indeed, after a marathon meeting more than seven hours, which ended the night in Berlin, Nicolas Sarkozy and Angela Merkel have agreed on a "common position". The head of the European Central Bank Jean-Claude Trichet joined the French president and German Chancellor later in the evening, he joined the discussions.

No tax on banks in the European level

Nicolas Sarkozy and Angela Merkel did not present the details of the compromise. They prefer to reserve the premiere of the content of this agreement for seventeen countries of the monetary union when they meet in Brussels. The Franco-German consensus as a basis for negotiations between the countries of the eurozone.

Still, the Franco-German snatched in the night is "a prerequisite" to a European compromise in Brussels, said this morning on France 2 Valérie Pécresse, budget minister and spokesman of the French government. "We must find a way to stop international speculation and stabilize the euro area", had said his side in the evening the French Foreign Minister, Alain Juppe, in Madrid. He added: "If the euro broke out, it would be a catastrophe." If not addressed on Greece "the consequences will be felt throughout Europe and beyond," stated yesterday the President of the European executive, Jose Manuel Barroso, calling the situation "very serious". "Borrowing 30 years "

The plan under discussion would be based in part on a private sector contribution of 32 billion euros over three years no credit check payday loans.It would ease the debt of Athens and would extend the term of the loans (up to thirty years), while remaining sustainable for the Greek economy. Along the lines of this project, private creditors would participate actively in the rescue of Greece, but each of these banks would remain free to choose the terms of its contribution from three possibilities.

Moreover, the German daily Bild reported that several leaders of major European banks will be involved in discussions. Josef Ackermann, the influential head of the first German bank Deutsche Bank, will include some of the participants in the summit, said the newspaper.

Diversification and increase in Fund resources Stability

In addition, the amount allocated to the European financial stability, currently 440 billion euros, should be raised. Europeans could also expand its missions.The latter lend in Athens what buy its own debt in the market for a price usually mentioned by 60% of their face value. Such an option would have the advantage of reducing the debt burden of the country to enable it to regain growth and ultimately solvency. The fund could also reduce the interest rate and lengthen the maturity of its loans to Greece, flexibility Ireland and Portugal could then benefit.

The suspense will last a few hours, the agreement between the countries of the eurozone is expected in the evening. But now, after the meeting between France and Germany, the euro is slightly redrese 1.4254 dollars.

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Life insurance less attractive

The French preferred to shun their investment. For six months, the payments on life insurance contracts are in free fall. In one year, they were down 12% at the end of May But it is true that last year at the same time, the collection was exceptionally strong.

His back is not what concerns most insurers. They are especially concerned more and more savers to make withdrawals from their contracts. These purchases (and capital paid after the death of the policyholder) jumped 15% in one year, and even 29% on the single month of May. According to the French Federation of Insurance Companies (FFSA), the movement affects all contracts, better filled with more modest. Crisis forces, some French draw on their savings to finance their spending. Others are shifting their capital to other investments, including real estate faxless pay day loans.The erosion yield contracts (3.4% on average in 2010) encourages them. As uncertainty about the sustainability of the tax advantages of life insurance.

Even the famous Afer the contract is affected. The G76, a syndicate of agents of the historical savings association, a phenomenon of outflows unprecedented explosion in the number of closings of contracts for two months, and decreased – for the first time – the number of members . In the weeks preceding the general meeting of Afer, June 29, the G76 has spared no criticism of the current leaders, denouncing particular problems of governance and lack of independence of Association vis-à-vis Aviva, the insurer that manages the contract Afer. Two points on which he joined the SOS Principles Afer. Further discussions that may leave investors confused again.