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There are some life insurance companies that offer a guarantee for the premiums only for certain number of years within the term.
Like every Monday evening, the Ministry of Sustainable Development publishes weekly reports fuel prices in France. For the first time since late January, a liter of unleaded 95, unleaded 98 and diesel show a decline. But it is minimal for the SP 95, a liter costs on average in the hexagon 1.6507 euro (against 1.6664 last week, a record) for the SP 98, it is worth 1.7001 euro (or an less than 1.7095 posted last Monday) and a liter of diesel fuel most consumed by the French, amounts to 1.4295 euro, 1.4362 against seven days ago.
This small decline is explained both by a slight decline in oil prices in recent days, combined with a slight rise of the euro against the dollar. Indeed, in one week, a barrel of black gold has risen from 104.77 dollars to 102.86 dollars on Monday (-1.8%) in New York, while the euro / dollar rose to a , 3077 to 1.3220 (1.1%). Besides these two variants, the price of gas depends on the gross refining margins, those of distribution, the rate of VAT (19 payday loans guaranteed no fax.6%) and the TIPP (domestic tax on petroleum products), attached to around 60 euro cents per liter.
According to a recent study by two economists, gas stations reflected both increases than cuts refined oil prices on their price. Supermarkets are the best students.
If Nicolas Sarkozy was elected president on May 6, so that social VAT would take effect in October. That is to say that the VAT rate will go from 19.6% to 21.2%. If, however, Francois Hollande took power, the Socialist said he would be immediately increased by 1.6 point VAT. He also warned that it would impose a freeze on gasoline prices and would set up a floating TIPP.
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The government deficit in France in 2013 is forecast at 3.9% of gross domestic product (GDP), far from the 3% target set by the government, according to forecasts biannual International Monetary Fund (IMF) published today.
This year, the deficit would reach 4.6%, says the IMF, against 4.4% in commitment from France to its European partners.
In its "Monitor of public finances", the IMF predicts that France approaches the symbolic threshold of 3% in 2014, with a year behind the official schedule. These projections mean that the next president, whoever he is, will soon adopt a new fiscal tightening after the election of May 6 Indeed, the president-candidate Nicolas Sarkozy and his Socialist rival Francois Hollande, the poll favorite, have both pledged to cut the deficit to 3% in 2013.
For its part, the public debt of France is expected to increase next year the symbolic threshold of 90% of GDP to 90.8%, while all candidates hope to contain it to below this threshold. It would commence thereafter a slow reflux.
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According to information from latribune.fr, Chinese investors close to power would be interested to buy four luxury hotels in Paris, currently on sale, and pass under another brand. Be included among them the Hotel Napoleon, located near the Arc de Triomphe.
Of the three other hotels in sight, one would be part of those whom the investment fund Starwood Capital is selling. He said it would be seller, in Paris, the Concorde Lafayette, the Concorde Saint-Lazare and the Hotel du Louvre. The U.S. group is not confirmed nor denied.
These potential acquisitions by Chinese would be given a new upheaval in the Parisian hotel that lives right now. Starting this summer, the Crillon close to work, closely followed by the Ritz cash advance loan no fax. The Plaza Athénée, he decided to postpone its work. Needed a facelift after arrival on the market of new facilities, new or renovated, the Royal Monceau (Qatar), the Shangri-La and Mandarin Oriental, who aspire to the title of "palace".
Two other luxury hotels are coming on the market and confirm the increased presence of Asians in the small world of luxury hotels in the capital: The Peninsula Paris, the first hotel chain in Europe, Hong Kong MSM and the White Horse, LVMH.
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Unions of La Poste have been heard. Rocked by three suicides in six months, the postal group, which employs 240,000 people, has taken the measure of social malaise that reigns within its walls. Its CEO, Jean-Paul Bailly announced Monday "adjustments" in the reorganization under way in the business. However, he rejected the idea of a six-month pause in the restructuring of the branch post, as was mentioned the Sunday newspaper this weekend. "Adaptation of the company can not stop. It does not take a break: some projects will continue, others may see their schedules relaxed, "he said in a statement.
Jean-Paul Bailly has also stressed the importance of continuing the "cycle of listening" started last week and announced a "great dialogue to improve social cohesion" in local and national levels, until 15 September. Parallel negotiations should also lead to a "package of concrete measures by April 30." The Post decided, also, to extend by six months the deployment of employee ownership, a project which met recently to outright union opposition. Finally, Jean-Paul Bailly has appointed a "mediator of work life," a position entrusted to his chief of staff, Dominique Blanchecotte.
Calendar of crisis accelerated
The Post had already accelerated its timetable for ending the crisis last week, after the suicide, March 11, a part of the group in Britain. In a folder left behind, this forty, who had been off long illness since November and was found hanged at his place of work in Brittany, had denounced a hard three years from its hierarchy. This was the second suicide in Breton Post in ten days. February 29, Jeremy Buan, a senior of 28 years, had committed suicide by jumping from the top floor of La Poste in Rennes, in the Ille-et-Vilaine. He too had reported his "outstanding work" in a letter released by his partner. Immediately, the Post Office had opened on Tuesday for talks with the unions on "health and welfare at work", promising that "proposals" would be made "before summer" make quick cash.
The measures announced today should therefore satisfy the unions who denounced social climate "anxiety" since the suicide last September of a 52-year employee who was, also, défenestrée the fourth floor of the financial center of the 15th arrondissement in Paris. "This situation is unfortunately not unique to the post office," said Antoine Le Séguillon this week, a union representative GSC in Figaro.fr. "And it is not unique to Britain," he said hoping that the leadership would engage quickly "concrete actions".
Action plan against erosion mail
Faced with the erosion of its mail business, which it considered that the volumes would collapse by 30% over 2008-2015, the Post Office had drawn a new plan in 2009. Jean-Paul Bailly had emphasized that this branch should "reinvent themselves" by offering new services. Gradually, the schedules of post offices have been extended throughout France, robots have been installed to reduce waiting times for customers and, last September, The Post has completely redesigned its line of mail.
A strategy that has "paid off", welcomed the group during the presentation of its annual results on March 8. While lower volumes continued with a decrease of 3%, after falling 3.3% in 2010, the mail business recorded a turnover stable at EUR 11.5 billion (+ 0.3%), more than half of the total activity of La Poste. But for the unions, these good results have been costly to employees. According to the CGT, it was obtained "at a price of 10,091 job cuts" and an increase in sick leave.
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As soon as the telecom regulator (ARCEP) she reiterated that Free Mobile fulfilling its obligations in terms of coverage, the network of the new telephone is again controversial. He knows since Friday morning strong disturbances that affect customer communications. The magnitude of the incident remains unknown, Iliad, the parent of Free, refused to give details. But for France Telecom, under contract to Free Mobile, it would be a "major incident".
Disturbances may be caused by the failure of one of the two "signaling equipment" Free Mobile needed to find the phones.
Orange wants to keep his distance. The incumbent is linked to Free Mobile "a roaming agreement" which allows customers to use the Free Orange network in areas where Free has not yet developed its own coverage. "Free us informed in the late morning of an incident on its network equipment. This incident is in no way related to the contract of homelessness in Orange network, "said a spokesman for France Telecom.
No "quality testing service"
The incident revived the controversy over the quality of service of the fourth mobile operator. Tuesday, Arcep confirmed before an Assembly committee that Free Mobile covered at least 27% of the French population, a regulatory requirement for anyone holding a mobile telephone license. The regulatory authority, however, that it had made "coverage tests" and not "test quality of service."
For other telephone companies, possess Free Mobile Network "cheap" or "empty". They accuse him and his relay off voluntarily and not to develop its infrastructure to rest on those of Orange, better and more extensive. It is estimated that over 90% of calls made by customers Free pass through its network.
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What assurance kilometer?
For this formula the insurance premium paid by the insured depends on the actual mileage each year. Unlike traditional insurance providing "small" and "large" rollers in the same way, the insurance km fits the real needs of the driver's insurance.
This is the only difference from a conventional insurance. Otherwise, the proposed safeguards are strictly the same with or without this formula. Liability, all risks formulas, bonus / malus … nothing changes.
Insurance kilometer may interest all those who drive around with their vehicles. It may, for example using mostly urban public transport, the elderly, young drivers …. But also own several vehicles, some of which are little used, such as campers or collector vehicles.
In practice, it is interesting for vehicles that travel less than 8000 km per year. At comparable guarantees, insurance kilometer can then save up to 30% on contributions (15% on average).
Auto insurance in package
For this type of auto insurance, the insured and the insurer agree on an annual mileage not to exceed. To verify its use, the meter of the vehicle is controlled at the time of contract execution, and annually thereafter. He is also in case of emergencies and some companies even provide for random checks cash till payday.
For exceeding the package, the insured pays a penalty. It can be fixed or depend on the number of additional kilometers performed.
Conversely, if the package is not reached, some insurance contracts provide for reimbursement of the overpayment or deferral of kilometers of unused quota the following year.
Auto insurance "pay as you drive" (pay as you roll)
It is the insurance per kilometer in the fullest sense. The insured is actually charged according to the exact number of miles it performs in the year the vehicle is in this case equipped with a GPS unit, whose pose can be paid or free.
Some insurers not only modulate the rates based on mileage, but also driving conditions. Thus, when driving at night, on weekends or in urban areas for example, rates are adjusted accordingly.
Note: Some insurance companies offer both the "pay as you drive" and the package. At the insured to choose the most suitable according to its "consumption" (regular or subject to strong variations from one year to another and even from month to month).
SERVICE:
"Make several comparative auto insurance quotes and contact auto insurance brokers specializing in these formulas.
At six months of the presidential election, the site of the EPR at Flamanville (Manche) has become the symbol of the debate on the future of nuclear power in France. The sector lights atomic defends tooth and nail so the continued construction of the first Generation III reactor (with a capacity of 1650 megawatts) on French soil. And she just won a first round: Monday, François Hollande, spoke to the chagrin of his potential allies, the Greens for the continuation of the project.
Stop Flamanville, it would stop dead "every effort of the industrial fabric, with over 170 suppliers in France and around the world work for this project," argued Thursday on site Machenaud Hervé, director of production and engineering of EDF.Its CEO, Henri Proglio, went further Thursday in Le Parisien, amounting to 400,000 direct and indirect jobs, and even 1 million taking into account the energy-intensive industries and promoted by the current low prices in France, the issue of a shutdown of nuclear power in France online cash advance. A "red flag" which has also incurred the wrath of the Greens.
Proudly displayed
For the sector, the challenge is to convince both safety and economic feasibility of the EPR. "We are building a completely safe reactor, which not only incorporates the feedback from the entire fleet (58 to 19 power reactors) but also has the amenities that were lacking in Fukushima," says Hervé Machenaud. It specifically targets the "ashtray"-installation capable of recovering the heart of the fusion reactor in case of puncture of the tank-and four buildings housing the safety relief devices.
Moody's brandishing the sword of Damocles. The rating agency, which last week confirmed the AAA rating of the French debt, is now planning to revise its position on the "stable" outlook for this post. "Over the next three months, Moody's will monitor and evaluate this perspective in the light of progress made by the government to implement the measures announced to reduce the budget deficit," she says in a statement.
If the prospect should be revised to "negative", this would imply that Moody's would likely lower the rating over the medium term, most often at a maturity of three to twelve months.And France would become the new big country, after the United States to lose its prestigious rating that allows it to borrow on the current market conditions very favorable.
A budget supervision
In reaching its decision, Moody's analyze the ability of the French government to meet its budget commitments. She stressed that if the financial strength of the French government remains very high, it "has weakened since the economic and financial crisis worldwide has led to a deterioration in its debt ratios, which are now among the lowest in AAA-rated. "In addition, "France could face a number of challenges in the coming months, such as the need for additional support to other European countries or its own banking system, which could increase significant commitments that must support the country's budget. " The remark came just after the adoption by the members of the guarantees provided by the French in the process of dismantling the Franco-Belgian bank Dexia.
Moody's said that this review is part of its annual financial statements for France and it is not yet a decision on the rating of the country. But after this warning, the marathon budget to the Assembly for consideration of the budget 2012, which begins on Tuesday, should be closely watched.France 2 last night, Prime Minister Francois Fillon warned it would take "new measures" austerity if France did not record a "minimal growth of 1.5%" in 2012 because the proposed budget is "built on a projected 1.75% growth, but it works with a minimal growth of 1.5%."
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Markets take a breather. After four sessions chained up in a row, the CAC 40 lost 0.25% to 3153.52 points. The volumes remain thin. About 2.7 billion changed hands on the great values of the Paris stock exchange. Operators have benefited from the strong performance of the last day to reap a share of profits.
Lack of energy also in other major European markets, which ended in a disorganized. In London, the FTSE fell symbolically 0.06%, while in Frankfurt the Dax was up 0.30%. Of the European indices, the Euro Stoxx 50 slipped 0.50%.
Wall Street was also on the reserve. In session, the Dow fell by 0.26% and 0.35% Nasdaq clawing. Investor caution was reinforced by the expectation of several major events.In Europe and the United States.
For specialists in Barclays stock, the markets were essentially "focused on the voting Slovakia for the ratification of the European Financial Stability Fund." Slovakia is the last of 17 countries in the euro area to decide. In order for this tool, designed to help fragile countries in the euro area to work, the votes of 17 countries in the euro area is needed.
Opening of the ball results on Wall Street
Febrile, investors have minimal response to green light by the Troika, comprising the creditors of Greece, the release "early November", a new tranche of the loan in Athens, vital for the country low interest rate personal loans.
The outgoing president of the European Central Bank, Jean-Claude Trichet, also dampened investor optimism.He said that "for three weeks, things have deteriorated, the crisis has become systemic."
The launch of the quarterly earnings season in the U.S., added to the uncertainty, while the U.S. economy is idling.
As usual the aluminum giant Alcoa will open the show of these announcements after the close of Wall Street. These publications will tell more about the economic outlook of the world's largest economy, which continue to worry the markets.
Bank stocks up
In Paris, as in the rest of Europe, however, the banking sector continued its forward march.José Manuel Barroso, President of the European Commission Jose Manuel Barroso said on Wednesday that he would "proposals" concrete to the European Commission on the recapitalization of European banks.
Credit Agricole SA has gained 1.12%, BNP Paribas was up 2.96% and 5.28% Societe Generale. Operators, disoriented and obviously out of inspiration, wore special attention to the beliefs of analysts. Vallourec (-1.42%) and Aéroports de Paris (-0.85%) have seen their recommendation downgraded by JPMorgan and Essilor (-3.83%) by Morgan Stanley.
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