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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. 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.

If the crisis is undermining the morale of French households as a whole, those who are wealthy are not immune, far from it. The TNS Sofres auscultates regular relations of people with a financial wealth than 75,000 euros-the tributaries in the jargon-marketing with their bank. The final component of this study in October with 500 people shows that they live particularly bad crisis make quick cash.

The stock market turmoil of recent months are probably a part of the explanation. Indeed, in the previous survey in May, 55% of wealthy households thought that the decline in the stock market was behind them, and 44% felt that there was no risk of another financial crisis …

Since then, things have changed dramatically.

Growth remains moderate in the U.S.

The news gave a boost to Wall Street as the U.S. central bank (Fed), the economy across the Atlantic continues to grow. "Economic activity continued to expand at a moderate pace, although there is an activity in some regions hesitant or waning," the Fed said in its situation report published every six weeks on the basis information gathered by the regional branches of the U.S. central bank.

The recovery, however, has been no acceleration in recent weeks and has even slowed in some areas, according to the U.S. central bank. Growth was moderate or mild in five districts, while seven others have described the activity with words like "very low" and "slower". In the last Fed Beige Book, released in late July, eight regions believed that growth had slowed.This does not rule out further the risk of recession in the United States.

Anyway, the news boosted the U.S. stock markets on the eve of the speech of U.S. President, Barack Obama, who is expected to announce a 300 billion plan to boost employment in the United States. So much so that Wall Street has increased its earnings by mid-evening: The Dow Jones climbed 2.09% to 11,372.44 points, the Nasdaq was up 2.67% to 2539.88 points and the Standard and Poor's rose from 2 , 54% to 1194.88 points.

The Paris Bourse was down sharply

The Paris Bourse succeed does bind to a fourth straight increase session on Thursday? nothing is less certain. At the opening, the CAC 40 showed an increase of 0.50% to 3273.05 points. But soon, the benchmark index in Paris fell into the red. Around 10:30, it loses 0.76% to 3232.15 points.

The reversal was also performed in London, the FTSE-100 lost 0.56% to 5364 points while the Frankfurt Dax 1.57% to let go of 5693.76 points.

On Thursday, investors are wait-until a series of indicators in the United States. On the menu: the Monster Employment Index and weekly jobless claims before the highly anticipated monthly employment report on Friday.Productivity in the second quarter and is expected construction spending and ISM manufacturing.

In the euro area, the final manufacturing PMI contracted in August for the first time since September 2009 due to a fall in output and new orders. The index calculated by Markit PMI final spring to 49.0 in August, against an initial estimate of 49.7 and after 50.4 in July. The German manufacturing sector slowed in August, including at its lowest in almost two years, to 50.9 after 52.0 in July.In France, the PMI industry has returned to 49.1 against 50.5 in July, an even sharper decline than that reflected by the flash estimate of 49.3 issued two weeks ago.

Also in France, the unemployment rate as defined in International Labour Office (ILO) decreased slightly by 0.1 points in the second quarter to 9.1% on average in metropolitan (9.6% including the departments of overseas), according to data seasonally adjusted (SA) Interim released Thursday by INSEE.

Yesterday, the Cac 40 ended on a strong growth of 3.07% allowing it to pick up 3250 points. And signals from Wall Street, which also ended the month of August on an increase of 0.46% are good.Also this morning, Asian markets generally appear in the green, backed by the index of manufacturing activity in China has reached 50.9 in August, against 50.7 in July.

Investors seemed reassured by the Fed to continue to support that ensures the growth of the United States by a new policy of monetary easing. These remarks, made during the last minutes of the meeting of the Monetary Policy Committee, reinforce those of the Federal Reserve chairman, Ben Bernanke, who on Friday called the elect to make fiscal stimulus measures to complement the action of the bank Central.

As for the oil markets, a barrel of "light sweet crude" for delivery in October gained 21 cents to 89.02 dollars in morning trading and a barrel of Brent North Sea crude for October delivery climbed 29 cents to 115 , $ 14.On the currency markets, the euro fell slightly to 1.4358 dollar.

Values ​​to follow

Banking

Greek debt is out of control and the measures taken by the government can not restore the finances, the report of an independent parliamentary commission on Wednesday. The bank responded by piecemeal: Societe Generale gained 1.37% to 23.75 euros, Natixis 0.39% to 2.80 euros, BNP Paribas 0.21% to 35.94 euros. Crédit Agricole down however from 0.94% to 6.75 euros. Axa loses 0.45% to 11.13 euros.

Peugeot: -1.92% to 20.92 euros, Renault: -1.99% to 27.77 euros, Michelin: -1.77% to 50.09 euros

The new car registrations were up 3.2% in August.But sales of SAP were down 3% and 1 direct payday lenders.4% of Renault.

Sanofi: -0.47% to 50.42 euros

The group reached an agreement with Pfizer to produce generic versions of Lipitor cholesterol before the star of the American group from falling into the public domain, writes Les Echos newspaper on Wednesday.

Total: 0.12% to 34.03 euros

The National Transitional Council (CNT) Libya has promised to give to France 35% of crude oil from Libya in exchange for recognition of its legitimacy Paris, Liberation reported Thursday.

Iliad: 2.85% to 85.93 euros (largest increase in the SBF 120)

The internet service provider reported in the first half of 231,000 new subscribers under its brand Free (excluding Alice), a market share of 36% and saw its EBITDA margin to improve by a , 4 point to 40%, or 416.4 million euros on sales of 1.04 billion (+2.6%).

France Telecom: 0.26% to 13.33 euros

The U.S. administration has initiated legal proceedings Wednesday to block the sale of Deutsche Telekom's U.S. subsidiary T-Mobile to the giant AT & T for reasons of respect for competition.

Pernod Ricard: -1.54% to 61.54 euros

The French producer of wines and spirits, announced Thursday a 10% increase in net profit for the year 2010-2011, exceeding for the first time the billion euros.

Eurazeo: -2.38% to 38.71 euros

The investment company said Thursday in a loss of 106.3 million euros in the first half due to losses on derivatives and goodwill

GDF Suez: -0.41% to 21.86 euros

The group said it had completed the acquisition of gas storage sites in Germany.

Eiffage: -7.08% to 31.50 euros

The new CEO of the group does not preclude the sale or closure of loss-making subsidiaries to consolidate the early resumption of the performance of the construction group observed in the first half.

Saint-Gobain: -0.94% to 34.70 euros

The group announced it would invest $ 100 million (69.41 million euros) in the United States to create a factory specializing in the manufacture of ceramic balls ("proppants") used in wells oil and gas.

Latécoère confirms its objectives

Lagardère: -8.67% to 21.74 euros

The group was forced to significantly revise down its forecast for operating profit for 2011 because of the difficulties encountered by the sports center in the first half.

Maurel et Prom: 1.73% to 14.73 euros

The group took the first half of the increase in its oil production and high prices in oil prices to clear the results up sharply.

Guyenne et Gascogne: -3% to 86.09%

The group reported a loss in the first half, the franchisee of Carrefour have been penalized by its subsidiary Sogara whose accounts were affected by several non-recurring items.

Latécoère: stable to 10.77 euros

The group, whose net income rebounded sharply during the first half, confirmed its targets for operating profit in 2011 and 2012.

Theolia: 10.48% to 1.16 euros

The group reported Wednesday a recovery in its interim results, the French wind power has reduced its interest expense over the period, particularly through the conversion action of nearly two million of bonds.

After market, Neopost will publish its revenue for the second quarter and Stallergenes results for the first half.

Luxury watches in the sights of the EU

After considering the price of flour in supermarkets and those of certain financial products, the European Commission is vigilant in fine watchmaking. The competition regulator on Friday launched an investigation into the agreements and dominant positions among manufacturers of luxury watches, trying to see if they have agreed to refuse to supply spare parts to independent repairers.

"The Commission informed the parties concerned and the competition authorities of the Member States of the opening of the proceedings in this case," said the European Commission in a statement.

The investigation follows a complaint filed in 2004 by the European Confederation of Associations of watch repairers (CEAHR) for alleged violation of competition rules of the European Union.Multi-brand repairers had indeed used to make many of the repairs of luxury watches payday loan online. But from 2002, according to CEAHR, manufacturers of luxury watches began to refuse to supply spare parts to multi-brand repairers who were not part of their repair networks. The CEAHR therefore seeks the condemnation of the practice, saying it could force independent repairers to put the key under the door.

The European competition regulator rejected its complaint in 2008 for lack of Community interest. Then the decision was overturned by the European Court of Justice (ECJ) in December 2010. This does not prevent the European Commission to be cautious about this.She stresses that the opening of an investigation does not mean it already has evidence about the existence of an offense. And yet, no manufacturer of luxury watches is specifically under investigation.

American Airlines Airbus regains

French hopes of a major Airbus order from American Airlines had started to be felt on June 30. An article in the Wall Street Journal announced an order in effect prior upcoming 250 aircraft from European aircraft manufacturer with the third largest global airline industry .*

These hopes were not disappointed. The official announcement has fallen American Airlines places order for 460 Airbus A320 aircraft with 260 and 200 Boeing 737. This is a record contract in the history of aviation from AMR. Even better, some 365 options on Airbus against Boeing's 100 for those raised. This is a turnaround in favor of Airbus fleet since the American company did not count any European aircraft since 2009."Airbus Boeing enters a pure client, there is a 'mix' Neo A320 and A320, which responds to the risk of cannibalization between the two devices," said Yan Derocles, an analyst at Oddo Securities.

The options are for delivery in 2025, while orders already confirmed will be made within two to eleven. So far, Airbus continues its momentum in the Paris Air Show. Indeed, in June, two historical controls had already been reached: the Malaysian company Air Asia going contract for 200 copies of the Neo-A320 for a total of $ 18 savings account payday advance.2 billion, while Indian IndiGo in seeking 150.

The A320 shares to glean Neo 737

Strategically, American Airlines hires a phase of renewal of its fleet and intends to reduce its fuel consumption.In fact, the company looks to new generation aircraft, whose engines are designed to consume a minimum of oil. Airbus, the A320 Neo meets this requirement and just walking on the toes of the Boeing 737 Next Generation, delivered since late 2010. Neo The A320 should be available by 2015. American Airlines will be the first U.S. company to deploy this aircraft.

However, the amount of the order was not disclosed, while the company saw the amount of its net loss increase during the second half of 2011, reaching $ 286 million more than estimated by analysts. In addition, the suspense continues as to the entire command must pass Air France KLM during the summer. She will choose only European aircraft? Stay tuned.

* Number of passengers / km, according to IATA.

Greece is the European public opinion in turmoil

The debt crisis has blackballed two governments in Ireland and Portugal, and the list is certainly not closed. The damage is more severe on public opinion because they take a nationalist turn. In Germany, almost one in two voters, according to a recent survey, calls for the release of Greece to the euro area. Last month, the Bundestag voted by a majority of only ten members agreed to a new aid plan in Athens. Chancellor Angela Merkel has obtained such authorization on the express condition to require private investors to make "a fair contribution" to the bailout.

Unexpectedly, the debate on financial solidarity in Europe tends to resurface interregional strife. And paradoxically it is in federal countries like Germany or Belgium, the tensions appear more vivid.The euro zone should not lead to "a union transfer," insists there be beyond the Rhine. "Greater integration will not remove economic imbalances. No one knows this better than the Germans who had a similar experience there are almost twenty years during the realization of monetary union between the two Germanys, "says the weekly Der Spiegel in its edition of June 20 The Germans continue to pay until 2019, a special tax called the "Soli" (Solidarität), which has already cost 187 billion euros.

Euroscepticism in the richest regions in Europe

In Belgium, a country Europhile if any, the antagonism between Flanders and Wallonia reaches new levels. The two communities are unable to agree to form a government, the Prime Minister, Yves Leterme, is reduced to administer the routine business since April 2010.Experts struggle with blows of figures to assess the transfers flowing North Flemish Francophone south. They represent an annual 11 billion euros, according to the Flemish Institute of economy and society (Vives). False, answer the French, with this basic argument: Belgium charges taxpayers in their homes and not where they work, as recommended by the international law. If this standard was followed, Brussels, attached to the French-speaking area, recover 4 billion euros of income tax.

Euroscepticism would it be more marked in the richest regions in Europe? This is clearly the case in Italy: Northern League campaigned for the prosperous regions of the Po Valley found a form of independence political-administrative and fiscal, while maintaining the strongest prejudices vis-à-vis the euro no fax pay day loan.

Not so in contrast to France.Regional differences are however not lower than in the rest of the continent but they are resolved in a more gentle. And the Ile-de-France, and its ten million inhabitants, it is by far the most productive region of the hexagon: it polarizes alone 29% of GDP, gross domestic product of the country, but represents only 22% of the income of the French (according to figures from INSEE). The explanation for this defect is simple: on one side, 7% of payroll companies Ile-de-France are paid to employees who live outside and conversely only 14.5% French pensioners living in the Paris region.The latter is losing both ways: a significant portion of its revenues from production escapes and receives limited resources from the inactive, who prefer other lands.

Centralism French or German federalism

He welcomed such an "invisible circulation of wealth" between the territories of the Republic, in the words of happy economic geography Davezies Laurent. The Limousin and Corsica can be very productive while enjoying relative prosperity, thanks to the mobility of the French who will spend their vacation or retirement. These contributions and income of private individuals play a more fundamental transfers of public money themselves. "Similarly, the savings is in the province and bank credits in the Ile-de-France, but these movements do not create real problems protest across regions.This is probably due to mixing of populations: from birth to retirement, through studies and work, the French used to change the place throughout their lives, "noted Jean-Luc Biacabe, Director of Foresight to the Chamber of Commerce and Industry of Paris.

Often criticized for its lack of centralization and autonomy of its regions, France is she a model of harmony for its neighbors? The Germans, because of their culture of federal government, are much more aware that the French fiscal federalism in the euro area is currently in practice be established. The Bundestag is alarmed by the German contribution to the European guarantees of financial stability, to 123 billion euros. The National Assembly does not seem moved by our share, yet the same magnitude because of the weight savings (three quarters).In Germany, it continues to quote the formula of Ernest Renan, 1862, "A customs union is not a nation." In Paris, the euro is considered the homeland.

In Britain, the public sector scrolls against retirement at age 66

From our correspondent in London

British Prime Minister David Cameron faces his first big Thursday-day strike in the public sector as opposed to pension reform. Approximately 600,000 employees of which a majority of teachers and members of the Border Police should follow suit, causing the closure of thousands of schools in the country and major disruptions at airports.

Trade unions in the public protest against the passage of the retirement age for all staff to 66 by 2020 (it was already 65 years for men and 60 for women) and against the increase in taxes for pensions.

"This will be the biggest social movement since the general strike" of 1926, promised Dave Prentis, general secretary of Unison, the largest union of public service.The country will certainly not be stopped during the great miners' strike of 1926 since the work stoppage will last only twenty-four hours and will not be extended. However, the subject of pensions involves all teachers.So much so that for the first time in 127 years of existence, the union moderate the association of professors and teachers in higher education (ATL), which has many contributors in private schools in the UK, called on its members to participate in a work stoppage at the national level.

800,000 new employees in Blair

During the session of questions to Prime Minister on Wednesday in the House of Commons, David Cameron said "there was no justification to strike as negotiations are still ongoing with the unions guaranteed fast personal loans." But the discussions last minute held Monday at Whitehall with the union representatives were far from successful.The Chancellor of the Exchequer George Osborne is absolutely not ready to make concessions on a reform he described as essential to provide the balance of the pension system, weighed down by the recruitment of 800,000 new staff under Tony Blair . The Ministry of Finance has estimated 10 billion pounds (11 billion) the cost to taxpayers of a postponement of the pension reform.

The austerity is, indeed, the slogan of the coalition led by the Conservatives with the Liberal Democrats since last year. The goal that David Cameron has established with the support of the Deputy Prime Minister Nick Clegg is to eliminate substantially all of the public deficit by 2015, making 81 billion pounds of budget savings over the period.The drastic reduction of public spending is accompanied by a wage freeze for two years and the removal of more than 300,000 jobs in the public service. The main public service union, Unison, has not joined the social movement Thursday, for procedural reasons but promised a seamless mobilization of its 1.2 million members in July and next fall if the government made no concession.

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"Extending the retirement age spreads

Further decline in unemployment in April

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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