Whoever does not pay pockets. According to The Echosce Monday, the UMP would favor the principle of taxation of companies that pay wages to their employees outside the norm instead of fixing an additional tax for very high incomes. This is to discourage entretreprises to pay fees too high, as is the case for the 50% tax on the traders' bonuses. "The idea is (…) to treat the problem at its source, a disincentive for companies to pay compensation aberrant, rather than trying to correct the situation then by taxes," said an elected majority in a maintenance business daily.
The majority remains divided on the threshold, beyond which the tax should be levied.For many UMP deputies, the threshold should be set at 150,000 euros per unit, while others, like Pierre Mehaignerie, advocate the taxation of income in excess of 1 million euros no checking account payday advance.
The definition of the Tax Code regarding salaries "excessive" is not very clear and now it is more applicable to the bosses of SMEs and large companies. It would therefore define the notion of "excessive compensation" based on wage policy and business sectors. A working group will floor on this subject during the summer to give a decision in September.
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The beautiful series continues to Xavier Bertrand, who six months after returning to the Ministry of Labour, shows a fourth consecutive month of decline in the number of job seekers registered at employment center. A performance that had not arrived since December 2007. According to data released Wednesday by the employment center, the number of unemployed registered in category A was down 10,900 in April, bringing to 53,400 the reflux recorded since early 2011. Either close to 1600, the total number of job seekers in less expected for the full year 2011 by employment center. In one year, the variation is almost stable, rising by 0.2% is far removed from + 25% recorded two years ago.In late April, there were 2.67 million unemployed was not active in France.
Labour Minister, Xavier Bertrand, welcomed the figures, which he had already unveiled the trend earlier in the day. "This fourth consecutive decline in category A is an important sign of crisis. We must now intensify. Margins for further exist because all the measures we have taken on learning or assisted contracts are not yet in application, "he said.
Rising unemployment part time
For the fourth time since October 2010, the number of jobseekers registered in categories A, B and C (including the unemployed engaged in a Pool) also declined from 6300 on a month to reach 4.04 million people.In other words, if the number of those unemployed decreased than those in reduced activity increased (from 4600) but to a lesser extent: impact of an economic recovery that is primarily through the development of small jobs and Part-time jobs, only opportunities available to job seekers so that switch of category A to B and C.
"We can only rejoice that the full-time unemployment is down but at the cost of increased insecurity and unemployment, part time," says Francois Chereque, secretary general of the CFDT, for which this new situation has important consequences. "Young people who alternate periods of unemployment and insecurity in early life will be dragged on for years and this will impact in terms of salary increases, career advancement or retirement rights," he justifies .If the number of unemployed in category A, B and C only increases by 3.3% over one year (cons progressions around 20% there are still two years), the increase in those engaged in a Pool of more than 78 hours a month is close 13% over the same period.
Youth down
The rest of the April data is consistent with trends observed in recent months. The number of registered voters under 25 years in Class A, B and C continues to decline (-0.5% on a month to -4% over a year) while those over 50 years continues in reverse to rise (+0.9% over March and 14.1% in twelve months). The horizon is not cleared for the 1.53 million long-term unemployed (unemployed for over a year), whose number swelled from 0.1% over one month and 11% yoy . It is especially bleak for those registered for more than three years are 18.4% more than a year ago to point to the employment center.Not since January 2000 to find such a level. As for the average length of unemployment, it rose by two days to 450 days.
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The director of Medicare does not hide its intention, revealing new figures on excess fees, weigh on the negotiations with private doctors, which should lead to early summer. "The system just drift since its inception 30 years ago, Frederick van Roekeghem regrets. We want to sound the alarm on the need to implement structural reforms. "
Overruns (these are requested beyond the "tariff Safely" legally by doctors of "Sector 2 but poorly repaid by certain complementary health) accounted last year for 2.5 billion euros, on a total of 20.9 billion euros in fees. A proportion is similar in style singled out by the Inspectorate of Social Affairs in 2004, which argued that while a "significant increase" during the previous decade.But behind this "apparent stability", says Fred van Roekeghem lies a greater concentration.
In 1990, 16% of physicians "family" could charge excess fees. Since then, the degree requirements were introduced which prevent virtually any plant of the generalist sector 2, and only 7% of workforce is concerned. The proportion of specialists in Area 2, with her stable for the past twenty years (41% in 2010). But if she fell for clinical specialties (pediatricians, dermatologists, gastroenterologists between 32% and 40%), it flies in the operating room: 34% against 28% for anesthesiologists, 85% against 73% for surgeons.And in all these areas, the sector will expand in the next two years as junior doctors settle overwhelmingly.
Physicians increasingly "greedy"
In addition, doctors applying overruns are becoming more "gourmet" on the amounts required: 54% of the "Safely rate, on average, against 25% in 1990. Note that Medicare confirms the intuition of the French Mutuality: 4.5% of public hospital doctors allowed to perform – for 20% of their working time to the maximum – a professional activity in area 2 practice overruns higher than their liberal counterparts "pure." Supplements such resources reach 81% in surgery, against 56% in the private sector, 80% against 48% in ENT, ophthalmology, or 96%, 60% cons.
Overtaking both more frequent and higher are concentrated in certain areas – with high purchasing power – like Paris and West of the Ile-de-France, Rhône, Alsace and the Coast d'Azur.
A problem of access to care
Nevertheless. "The phenomenon empire, says Frederick van Roekeghem. It poses a problem of access to care. " The boss of Medicare does not refute the argument of doctors (surgeons in particular): they are using the overruns is that the social security system pays too little certain acts, given their cost, their difficulty, duration, or the risk that affects the amount of insurance premiums. It's good to help doctors make more money without costing too much to Medicare that the sector 2 was created in 1980 by Raymond Barre.And it's not a coincidence that the least among specialists in Sector 2 are installed cardiologists (20%) and radiologists (13%), considered very good living by simply make rates Safely.
Frederick van Roekeghem says ready to act on the question to finally allow the entry into force of the solution advocated since 2004: the "optional sector. This would be for anesthesiologists, surgeons and obstetricians Area 2 volunteers to achieve at least 30% of their actions and costs Safely, do not charge for overruns over 50% on the rest of their activity, complementary health s 'committing their part to repay the money. "This discussion will reopen. I think it's the last time, "warns the director of Medicare.
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Hotel Martinez divided into apartments or offices? One hypothesis is now possible according to Le Parisien in France today. The famous Art Deco hotel, which annually hosts the biggest stars of world cinema at the Cannes Film Festival, may soon be for sale by its owner, the investment fund Starwood Capital. Nearly six years after buying the group Taittinger, the American group, forced to reduce its debt, in effect withdraws progressively from the luxury hotel. After having yielded to the Israeli group Arlov Lutetia in July 2010, and the Crillon hotel to a member of the royal family of Saudi Arabia at the end of that year, Starwood Capital could be tempted to secede as the famous Cannes hotel .Bundling of several hotels including the Martinez, a $ 1.5 billion, had already almost completed in 2008.
This possibility seems this time even more credible, the newspaper said that the clause which requires the continued operation of the hotel business site has rightly expired last April 24. Imposed by the state group Taittinger redemption of the hotel in 1981, she ran that in thirty years. It is clear that if the hotel was sold to the cut, the fund Starwood Capital would clearly benefit much higher. Quoted by the newspaper, counsel for the heirs of the historic Martinez, Pierre Zeghmar, assesses the value of the total around 1 billion euros as qu'appartements separated, against only 300 million as a hotel.
If the mayor of Cannes denies fearing a possible sale, but it is going to take the precaution to enter the palaces in the local plan. A measure that would ensure their hotel assignment in assignments. But according to Pierre Zeghmar, "this measure will be effective after July 2011, leaving a window of the American group. Still, the Grand Hotel has recently invested, according to Deputy Mayor of Cannes David Lisnard quoted by Le Parisien – Aujourd'hui en France, five million euros to renovate the rooms before the G20, which will take place in Cannes in November. An "institution of this type, currently very profitable," is anyway always potentially for sale, "said the mayor.
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In real estate, Paris is not France. So goes the refrain sung Thursday by the Higher Council of Notaries. In the capital, in fact, prices never stop rising. Last year, the increase was 17.5% and per square meter was worth, on average, 7330 euros in old housing. The boom continued in early 2011. "From December 2010 to February 2011, prices rose 5.2%, says Mr. Thierry Delesalle, president of the real estate commission of notaries in the Ile-de-France. In twelve month rolling period, from June 2010 to June 2011, we will not be far from the 20% increase. "Soon, the ceiling of 8,000 euros per square meter in Paris will be reached.
Relying on the promises of sales in the first quarter of 2011 signed, notaries believe the square meter in Paris will average 8,028 euros in June. This will rise to 15,500 euros in even the most expensive neighborhood in the capital, the Champs-Elysees.And this movement does not seem ready to break if we are to judge by the large number of transactions: first quarter in Ile-de-France, they rose 16%.
Click on the thumbnail to enlarge the graphic.
Fewer foreigners in Paris
Contrary to popular belief, foreigners are not responsible for the rampant price increases because they are less active than before the Paris market: last year, they accounted for 6.5% of buyers against 7.6% in 2009. The result? "We should see the price differences widen between areas traditionally preferred properties such as Paris and those economically disadvantaged in which a decrease has already been committed," said Pierre Bazaille, president of the Institute for Notarial real estate cash advance america. In fact, in the province, the changes are more chaotic.Overall, prices have also increased but less dramatically than in Paris. They set up in 2010 by 4.7% for older apartments and 10% for houses. But since early this year, the situation is contrasted by areas or cities.
In Lille, for example, home prices fell 6% to 170,000 euros on average in Bordeaux, one of the apartments has decreased by 1%. Less than 3% also for apartments in Rennes, where the square meter is now worth 2212 euros. On the other hand, for apartments, in Brest, the price per square foot rose by 7% to 1527 euros per square meter. The increase is more limited but very real (+3%) in Lyon, where the square meter is 3102 euros.
Difficult, with that, whether property prices will rise or decline this year in France. According to Mr. Pierre Bazaille, the trend towards a higher but moderate (between 0 and 3%).A development that will depend on exogenous factors such as rising interest rates on mortgages or advertisements referring to the SP in its program the rent freeze.
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Portugal always pays more dearly for his obstinacy in refusing the help offered her the International Monetary Fund and the European Union. On Wednesday, the country has issued 1.005 billion euros of treasury bills (short term) to investors, who demanded interest rates high. One for the issuance of 455 million euros in 12 months stood at 5.902%, 1.5 points higher than during the previous operation. 550 million in vouchers to 6 months were issued against a rate of 5.117%, well above the 2.984% of the last similar exercise in early March.
Still, the government said for the first time since the crisis began, he was "able to ensure its financial commitments." Resigned, the Socialist Prime Minister Jose Socrates steadfastly refuses to resort to the European financial stability and the International Monetary Fund.And despite a high public deficit and growth conspicuously absent.
Borrow short term
In response, the rating agencies have deteriorated in recent days the debt rating of the country. Fitch and Standard & Poor's have now placed one notch from relegation in the category of "junk" that is to say, very risky. Markets are concerned that Lisbon can not repay large debt maturities in April (€ 4.2 billion) and June (4.9 billion).
To pass these tests without the need for European aid plan and while minimizing the invoice, Lisbon could be tempted to borrow in the short term (due within two years) payday loans with no fax."The Portuguese Treasury has recently presented its program of debt issuance for the second half: he confirmed that he wanted to sell 7 billion euros of bonds, short term, but has not announced anything on the bonds (maturity greater than two years, Ed), "said Cyril Regnat, strategist at Natixis.
Allies Lusophone
Portugal can count on allies to buy its bonds. Brazil has said it would support early April its former colonizer in turmoil. Macao, a former Portuguese property, said March 30 that it buys debt Portuguese (but its means are limited.)Gilles Moec, economist at Deutsche Bank, for its part suspected Portuguese banks under direct or indirect control of the state to be a strong incentive to buy down the national debt.
According to the Economist, the Portuguese authorities might be able to avoid resorting to the aid plan before new parliamentary elections scheduled for June 5. But, he warns, "after that date, Portugal should have much more in its coffers." Perhaps the country he has no time to wait that long. Thursday and Friday, the European Council of Ministers of Finance should, according to Reuters, consider the options "economic and legal" yet on this issue. The opportunity, once again, pushing Lisbon to accept the outstretched hand.
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Renault could have done this possible controversy. But a few weeks after pleading guilty to wrongfully dismissed three executives accused of espionage and one year after the turmoil created by the case of the Clio – it planned to relocate to Turkey – the manufacturer must again be accountable.
The group decided to entrust the production of two new engines to its sites in Romania and Spain, he said Friday. The H4 (3 cylinders) and H5 (4 cylinders) are respectively made from 2013 on the site Dacia Pitesti, specialist low cost, and Valladolid (2012). The announcement had been made in these two countries, but Renault had kept the trumpet in France.
This decision could affect the French mechanics Douvrin in the North.The plant, owned jointly by PSA Peugeot Citroen and Renault, the engine produces D4, a less powerful 4-cylinder (60 to 80 horses, 90 horses cons for the H4 and H5 for 115 horsepower). The motor assembly D4 employs 450 people, about 3450. The downturn could cost more than 200 jobs, said the CGT. These positions will not be replaced by the manufacture of cylinder heads and camshafts for the new engines, which could employ 40 people, said the union.
In response, the group has indicated its commitment not to make any plans for layoffs or voluntary redundancy as part of its new strategic plan. But unions fear that retirement will not be replaced.
Lower volumes
"It relocates slowly, even if management tries to minimize," sighs Alain Labarre, CGT Douvrin.The group, however, rejects these accusations payday loan lenders. "The H4 and H5 are required to take the place of older models that were almost similar already made in Turkey, Spain and Romania," said a spokesman, adding that such engines "are not competitors D4 Douvrin made. This engine, fitted to small cars like the Twingo and the Clio (as will the H4) and low-cost models, will be "produced in parallel in the coming years," because "it can offer rates aggressive. "
In late January, Philippe De Coene, director of the French mechanics, however, said that the arrival of a small 3-cylinder would "intervene in the market" of 4-cylinder engine manufactured in Douai, as mentioned by Liberation. He said the volume of the D4 engine "will tend to decline," even if "we will not stop producing it in 2013 and he did not" concern "for the job.He added that he "fought to get another engine family."
In 2010, Renault has made 29% of its engines in France, against 85% for PSA. Renault says it will carry, however 40% of its investment in France by 2013. Engine side, the group said it will produce R9M, a 130 horsepower diesel for the Megane to Cleon, Seine-Maritime. A factory will also manufacture electric motors in 2013.
While the new European standards will make diesel engines more expensive gasoline engines of new generation have a bright future ahead of them. H4 and H5 models, which will reduce CO2 emissions by 30 to 40 grams per kilometer, would represent 85% of the volume of gasoline engines for Renault in 2015.
If the nightmare of the three executives wrongfully dismissed for spying is done, the management of Renault, who had publicly accused, is still under pressure. On Thursday, after talks with Carlos Ghosn, CEO of the automotive group, Christine Lagarde, Minister of Economy and Eric Besson, Minister of Industry, reiterated a "thorough audit" had been requested on this lamentable Case to identify the origin of recently observed failures within the company. "
The audit, whose findings will be presented later to the Board of Directors of Renault on April 28, must provide "specific evidence" to "identify any errors or mistakes in decision making and management of this case."The two ministers said they "sleep (eraient) that the conclusions should be drawn in terms of organizational reforms in terms of individual responsibility."
In other words, the government, which denounced on Tuesday, after a public apology from Carlos Ghosn, an "amateur improbable" and promised that this fiasco would not remain "no action", reserves the right to request additional sanctions by a month and a half. For now, only three members of the Security Branch of Renault are covered by "disciplinary procedures". The executives involved in this case waive the variable portion of their compensation.
Wishing obviously does not make decisions hot state, the manufacturer's largest shareholder, has not formally asked heads since the case was deflated.At the special board on Monday, the two directors representing the state have also approved the action plan of Carlos Ghosn, who has not discussed his resignation and denied that Patrick Pelata, its Chief Operating Officer .
Responsibility Ghosn
How far is ready to go when the Bercy audit findings be known? The department, it is careful not to directly answer this question. "Carlos Ghosn bears some responsibility, since it is the one who went on to say TF1: I certainties," said Eric Besson Wednesday on BFM. But the state does not seem to further destabilize a national treasure by beheading. The Minister of Industry spoke on the radio including "the importance of the agreement between Renault and Nissan, which is also CEO Carlos Ghosn, and" the development of electric vehicles. ""For many, the idea of removing the head of the entrepreneur when Renault is facing a major strategic situation can be a challenge," he said.
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After pressing, the balance sheet. It's late March, Xavier Bertrand, Minister of Labour, before the Council policy of working conditions (Coct) the contents of the 230 agreements signed by the psychosocial risks of over 1,300 companies with 1,000 employees unions; plus 230 action plans for prevention. A year ago, in full case France Telecom, the Ministry of Labour required these companies to act quickly on stress prevention. "Otherwise, they risked punishment unprecedented media coverage in France of the results of negotiation, says Philippe Douillet, project leader psychosocial risks to the National Agency for the Improvement of Working Conditions (NAALC). But it did not last long …. "
230 agreements
At that time, the list of good and bad students was remained on the website of the Department that the time for a short day, Feb. 18 … As to the 230 agreements, 90% of them the 'were in the 1 st half of 2010, under pressure from the ministry. "That said, this action resulted in a genuine process of negotiation," said Philippe Douillet.
Cited as an example, the agreement with Danone assumes that "any proposed change of organization must assess human impacts, which involves asking the questions upstream," says Muriel Penicaud, CEO of the giant HR food. Signed in March 2010 with five unions, after two and a half years of work, it includes a strong preventive approach. This c omprend a training component of the local management, "a key element" for Muriel Penicaud.Co-author of the report "Well-being and efficiency", delivered in February 2010 the Prime Minister, she observes that things have since changed business cards. "Many companies recognize that managerial decisions have an impact on stress, which was rarely the case a year ago." However, few are still those who registered stress in their "single document". Compulsory since 2005, this document is to identify and prevent such risks. "A complex approach on the part of psychosocial risks," says Valerie Decaux, HRD Saur (network management of drinking water, 10,000 employees in France) is currently finalizing the document."The challenge is to address the risks identified: lack of information, the ergonomic conditions, but also recognition of the work, a subjective element. "
Founder of the firm Artelle Council, specializing in the prevention of psychosocial risks, Haubold Bénédicte (1) estimates that companies are now clearly the link between psychosocial risk and economic performance: "We see where a shareholder, who sees his participation depreciate , appealed to us. "Microsoft France, has started negotiations with unions, has understood. For six months the company has embarked on a process well-being and performance ". "A fundamental approach to talent retention and attractiveness of the business," says HRD, Yves Grandmontagne, citing "employees happy and productive".Latest action: the establishment of an observatory of health from the 1400 group employees in France.
(1) "The Psychosocial, library Eyrolles, Editions d'Organisation
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The French are increasingly likely to be seduced by the bank online. They are now more than two million have opened an account at one of these virtual branches. Representing 2% of the market for retail banking. The movement gained momentum in 2010. In Boursorama, one of the first in this market, but will announce the results in sharp decline due to problems at its German subsidiary, "the number of bank customers doubled in 2010 compared to 2009," says his President, Ines Mercereau. For its part, ING Direct has acquired his additional 40,000 customers in 2010 and Monabanq, about 20 000. Launched in October 2009, the private bank BforBank claims 52,000 customers.
Discount Rates
This trend could accelerate in the future. These banks, which are major communication efforts should take advantage of underlying trends that include e-commerce.Suddenly, the offensive commercial business practices, including the insurers. Axa Bank, for example, has recast its offer with a goal of doubling the number of customers by 2015, rising from 720,000 to 1,400,000. Macif wants it, retain its 5 million members by offering them a unique banking offer short term personal loans.
Initially specializing in stock brokerage or savings at competitive prices, most players have grown in recent years by offering their customers the same products that a traditional bank: current account, credit card, life insurance , mutual funds and even more recently, as in mortgages Boursorama. Their most? Very low rates (often the card is free) and sites within easy reach and use. The traditional retail banks have also set up agencies online, but with rates close to those prevailing at the counter."LCL e.LCL with one of the few to have a different pricing policy," says Stephen Short, CEO of Equinox Consulting.
Who are online banks? "They are the secondary banks rather affluent customers, typically savvy banking and technophiles. They seek payment or free of financial products better, "forward Maxime Chipoy analyst UFC-Que Choisir. For now, online banks are not designed to be the major banks to their customers. "Our goal is to be the first of the second bank of our customers," says Inès Mercereau.
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