Jul 16 2014

Camps: the slow disaffection

Tag: economic, finance, life, opinions, resourcesadmin @ 10:16 am

 

Courses, cultural or sports camps, training … Under the name "camps" mingle public bodies, associations, works councils but also commercial companies and even individuals. Behind

enticing platelets and websites presenting any assurance of a well supported living? The death last week of a child of 8 years in the Ariege began again the confidence of parents in these camps which show a steady decline in attendance for twenty years. In 2013, a parliamentary report has warned the government on this disaffection. Mistrust and high cost of stay (from 400 to 600 euros on average for a given week by an association), the "colossal" no longer welcome on this day that 7.5% of children, against 15% in 1995. They are now 1.3 million to participate in the 50,000 annual trips organized by the "youth facilities" (ACM). Subcontractors

crooked, scams, companies in liquidation: parents may not know the bottom of the offer. "We must focus on the content of the project and the trip organizer," insists Anne Carayon, general secretary of the associative network in full air1 Youth. She encourages parents to check the profile providers behind the offer proposed by the mayors and councils, buyers of these stays catalog. "There are many players, it is true, but abuse remains marginal," says Cédric Javault founder Telligo, private market player summer camp for twenty years low fee payday loans. As for controls, "the state's job," he says. A stay in five controlled, according to the ministry. "In 400 trips organized by Telligo, twenty inspection reports we receive. This is more than in the restaurant or hotel, "says Cédric Javault. A

'quality label' to burnish their image

However, the Ministry of Youth and Sports 2a initiated discussions to improve their image. At the start, one, accompanied by a charter "quality label", should attest to the quality of their educational project. A label which is by no means a license. "The state does not issue any and empowers collective reception organizers of minors," said the ministry. The legal regime is the declaration to the prefectural authorities.

However, the organizers should be consistent with the health rules, safety and staff qualifications framing. Private or voluntary, organizations struggle in parallel to provide more guarantees seriously. "We own our shelters – one hundred – a guarantee of security," said Julien Coue, head of education and recreation project in the General Federation of PEP3, which is involved in the industry since 1915 and brings together 128 associations.


Jul 10 2014

A booklet rest he interesting?

Tag: economic, events, money, people, traveladmin @ 6:08 pm

 

The ax fell. From 1 August, the rate of the booklet A pass from 1.25% to only 1%. Historically low yield, which could have been even lower if the government had followed the recommendations of the Bank of France, which proposed to reduce it to 0.75%. For the record, this very old investment was paid 1.75% there just one year.

Now, a booklet A ceiling (22,950 euros) will earn 229.50 euros per year, against 286.90 euros when the rate was 1.25 %. And the holder of a booklet on Sustainable Development (LDD) 1 ceiling (€ 12,000) will win 120 euros against 150 euros a year earlier.

What to do in these conditions of his booklet A2? "Paradoxically, in the context of current very low interest rates, the passbook remains attractive for its precautionary savings, because his salary is hard to beat," said Cyril Blesson, Partner Pair Council. Because the passbook is not taxed, which is not the case for most other investments. Starting with passbooks, direct competitors of the booklet A, whose interests are taxed at the scale of income tax, which must be added the social security contributions. Excluding promotional periods reserved for new customers, fewer of these books relate unless the booklet A.

But other investments become today very competitive. Euro funds Insurance life.3 contracts are a good alternative, even if their remuneration is crumbling. Last year, they reported 2.8% (before social contributions). This is significantly more than 1% of the booklet A. Certainly, we must take into account any input and taxation costs. But by investing in contracts over eight years, the tax will be minimized. And ultimately, the investor is the most time winner.  

Those who have a little time on their hands (four years) may also invest cash on housing savings plans (PEL) 4 paid 2.5% (before payroll 15.5%). Especially since the interest is subject to income tax 12 years after the opening of the plan.


Jul 04 2014

The shock report on low-cost Inconvenient Air France

Tag: economic, opinions, publications, top news, worldadmin @ 5:09 am

 The report

Monday handed the CEO of Air France 1 on what to implement to fight against low-cost airlines will he kindly stored at the bottom of a closet I need regular. Ordered by Frédéric Gagey2, the CEO of the company tricolor to imagine a sustainable future for the activity "point to point" – that is to say without match, so – short and medium letter of Air France group flights and reduce losses (200 million euros in 2013), this report contains the recommendations of an expert group. If the CEO of Air France is expected that the strategy currently being conducted, ie reducing the number of devices and stops where the losses are important and maintaining three brands is reinforced, this is not the case.

Shares of Air France erode market

The rapporteur this job is none other than Lionel Guérin, the current boss Hop! 3, the company that brings Airlinair Britair and Regional, three regional entities of the Air France4 who steal appliances from 48 to 100 seats. The expert group has tried to cope and rationalize, at least on paper, a business operated by three different companies within the Air France group: Transavia5, the low-cost intended for leisure flights, Hop, that regional conducts domestic flights to major European cities (Budapest, Vienna, Prague, Barcelona, ​​Stuttgart …) and finally Air France whose market share erode. In some figures, these three companies together account 2 billion euros of turnover and employ 10,000 employees in this activity.

The facts are simple. Short and medium-haul to the hub at Roissy fueling long-haul flights Air France flights lose € 400 million per year but management tolerates some of these losses as it flows through the long-haul profitable. "We can accept losing to Air France 150 million euros per year to fill its planes at Roissy. These are costs that could virtually integrate long-haul, "says an analyst.

Beautiful margins low-cost

But no question of widening losses activity "point to point" that competitors such as EasyJet, Vueling or Volotea have captured while achieving beautiful margins. On flights between France and Europe, Air France lost 5 points of market share between 2010 and 2014. And the French domestic market, low-cost airlines increased from 15 to 27% market share between 2010 and 2014

. To stem losses the report proposes to set up in the autumn a new common organization Hop! and Air France for business functions such as optimization of sales by trade policy (revenue management), pricing … Each company would retain the operational management of its staff.

The report distinguishes between two market segments where business customers are involved and "VFR" visiting friends and relative, that is to say travelers who visit their friends and their families: a segment is predominantly leisure, whose customers are looking for low prices. Customers of the other, dominant business, favor the regularity and frequency while maintaining their wallet.  Contain

Air France flights to match

Transavia meets unsurprisingly expectations first and should continue to grow from Orly, its current base, with ten additional Boeing 737 for its flights leisure. However, to meet the needs of the second category two opposing scenarios: either Hop, regional, fully recovered activity previously carried out by Air France at Orly especially with its mini price!. Air France is building on its reputation in housing activity in a "brand connected" to its name

. Clearly, the report's authors propose confine the short and medium-haul Air France connecting flights to Roissy and let companies "agile" take care of "point to point". On the social level, this scenario would obviously have serious repercussions. "The situation may be very tense in the coming months," says an official of the group aware that the courageous decisions remain to be taken. Frédéric

GAGEY has in hand a "hot potato" that he should say at half results on July 25 that it intends to do.


Jun 29 2014

Lease its property to provide rental

Tag: economic, features, publications, top news, traveladmin @ 5:37 pm

 To leave

despite the crisis, an increasing number of French place for rent that they do not use during their stay: accommodation, car, but motorhome, bike and why not boat

. Success in Hexagone1 site rental housing owner Airbnb2 is the most obvious example of this economy of sharing that attracting more and more French consumers. 70,000 French homes are for rent at this time on the site, against 7,000 two years ago. Initially very urban – especially Paris – the site has gradually gained a wider audience. "In Corsica, the number of units available for rent, for example, increased by 9 this year," says Nicolas Ferrary3, France Director of the U.S. site. People who live in tourist areas have included the interest they could find an empty room to rent their home, or their home in its entirety, to tourists. In 80% of cases, the owners rent their principal residence and two out of three, it is their entire home … they do not care if they themselves went on vacation. Amount of gain: on average 300 euros a month in Paris. According to a study by Airbnb, these gains are largely used to meet current expenses, but also to finance its own holiday (for 80 euros).

In the family of sites private rentals, Airbnb is the behemoth, but it is far from the only one. A multitude of sites allow you to earn some money with the property that is not used when one is oneself trip. This is for example the case of Carnomise4 and Tripndrive5, offering vacationers to rent their car in their absence. Installed at major airports, they pay parking the car and pay back homeowners compensation for its location. The invoice sent to the lessee of the vehicle is on its side around 60% lower than in a traditional landlord. "We left our car three weeks Carnomise during a trip to Japan free instant credit score. By renting our car fortnight, we won 136 euros … and we did not pay the 300 euros usual car, "says Chantal Blanchet, a new follower. Rent a boat

Even in JeLoueMonCampingCar6 concept, created in 2011. As its name suggests, the site connects owners of motorhomes, which is generally used only part of the year, with people who want to rent. Two years after its inception, the site has found its market: 19.000 rental days have passed through JeLoueMonCampingCar … more than 60% since the beginning of the year. To rent a campervan costs around 100 euros per day. Each owner has gained an average of 600 euros through the vehicle unused. On an equally specialized segment Boaterfly Sailsharing and aim to facilitate the location of boats between particuliers7. Bike rental by owner, proposed by Véloc8 only a few months, is potentially a wider audience, but is still struggling to break into France. The French, however

bite undoubtedly the "collaborative consumption." France is the second market Airbnb world, both in terms of number of passengers that housing available for rent. The success of the French carpool website Blablacar9 now the industry leader in Europe, is another indicator of the success of these new modes of consumption, which now appeal beyond the "bobo" early community. The average age of users has significantly high Blablacar past two years. "Car rental by owner – Drivy, Ouicar or Buzzcar are the leaders – another public key, older and less urban. The success of these sites is a sign that this way of eating is within the standards, "says Marc-Arthur Gauthey, the think-tank ouishare devoted to these practices.


Jun 28 2014

Banks undertake for small businesses

Tag: economic, economy, resources, technology, traveladmin @ 2:41 am

 

In 2013, some 100,000 credit applications from all small enterprises (VSE) were rejected. But banks promise to do better now. The French Banking Federation (FBF) took five commitments Friday, when submitted to the ministers, and Arnaud Michel Sapin Montebourg1 the report of the national credit mediator Jeanne-Marie Prost 2out financing TPE. The latter concludes that if access to credit TPE investment is pretty good, access to cash loans is difficult.

While TPE accuse them of time still too long, banks promise to give within fifteen working days in response to any request for credit. In case of refusal, they agree to receive the entrepreneur for him to explain why. All their letters, they also indicate the existing remedies, particularly the mediation of credit still unknown. In a pedagogical concern, they will publish further guidance on the short-term financing because TPE3 use too often discovered as a tool for cash, so it is not always the most appropriate or the most economical. Banks

finally endeavor to promote greater stability of their CROs, while patterns TPE complain constantly change of interlocutors. In this important "turnover", the same mediator recommends "a term of office of at least four years." However, banks do not advance over a period, stressing that they can not interfere with the career of their agents.

These five measures, which will also apply to SMEs4, occur while the FBF has already announced last week the appointment in each banking network, 'privileged interlocutors for SMEs.

"First step"

The issue is important because it affects 2.7 million businesses ranging from local shopkeepers to professionals through the artisans. "Small employers, on the ground, when they talk about banks, often scathing, conceded Arnaud Montebourg. This is a fundamental first step to appease the relationship. "

The Minister also urged the leaders of TPE to enter more often mediation crédit5 via local branch of the Bank of France6. A free service to help get out of tight situations. "The TPE is very small but it is very important because it is an essential tool in the fight for jobs," concluded Michel Sapin7, Minister of Finance.


May 02 2014

Dictionary of anglicisms most unbearable office

Tag: business, economic, life, opinions, peopleadmin @ 3:01 pm

 

You hate them, and you shiver when one of your colleagues is used, the next office. And yet you use them – sometimes – also because it is difficult not to be swayed. Anglicisms who are employed indiscriminately in business are a scourge. On the web, The Figaro.fr queried readers about the words they found most unbearable, following an article on the subject published by the Huffington Post French. Here is a small dictionary which includes both classic and famous – almost – unknown.

• ASAP: one of the great classics. English As Soon As Possible, acronym in French mean "as soon as you can" or "as soon as possible." Simply. Qualify for emergency and seem less brutal feeling, use ASAP.  

• Brainstorm, Brainstorming: coming of advertising (in the 40s), the brainstorming meeting meant a group whose goal is to find a number Therefore advertising ideas for clients. Thereafter, the term became used for everything and anything, including outside of work, so it is necessary to consider several.

• Bullet points: excellent solution to stiffen and orchestrate his thought, "chips" are very fashionable to organize. Writing files to PowerPoint for personal agenda and lists of things to do, fleas are synonymous with efficiency.

• Burnout: we can not count the number of articles and other tickets coaching to protect at all costs the burnout syndrome burnout car warranty company. This is the new evil of the century at work, and the obsession of every employee.  

• Conf call: in many companies, they have become rituals … Meetings telephone work-saving both time and money, while bringing all those available. As ASAP, conf call is anglicism is a short term, as they say in the interests of efficiency. •

Corporate: have entrepreneurship. Essential for any employee wishing to make a career in a company. Someone from corporate is someone who feels comfortable in his company, and is a true ambassador. •

"That makes sense!" Literal translation of the English "It make sense!". Everyone obviously grasp the meaning. Except that the correct French, it does not mean absolutely nothing to say.

…… @ Quentinperinel1 Worse English Layers> French. "It makes sense"

. – Maxime Bellec (@ MBellec)

29 April 20142 • Debriefer: they "debrief" someone who could not attend a meeting. A stalwart of corporate life. So that the French expression "make a point" or "take stock" are almost obsolete.

• Desk: office also concerns to be replaced increasingly by "desks" which refers to both space Working the office where you work.

…… @ @ Quentinperinel3 Le_Figaro4 The old trick " anyway ". Fills me one! And I got the right one day " I eat on the desk. " Wow.

– P.Monteiro (@ MonteiroPauline)

29 April 20145 • Drinker: less known, the verb "drinker" is used to replace the action of go for a drink among office colleagues or friends.  

…… @ Quentinperinel6 "drinker" for "a drink", I find it ridiculous.

– N_Docao (@ N_Docao)

29 April 20147 • Forwarder: who has never "being forwarded to" a mail to one or more of his colleagues? Again, the French verb transfer, is much less likely. The English term, which has long been used in companies, no longer shocks, but still excited. • Implement

: originally used in computer jargon, replacing the words "include" or "code", the verb in the variable semantic crossed the doors of the company and can also mean "adapt" or "set up" something. • Mainstream

: a trendy term that replaces all that is banal, general public, and followed by mass. Most often, the pejorative connotation. In advertising or communication for example, if your ideas are mainstream, your superiors will prefer someone more original and alternative.

• One-To -One (writing 121): This term marketing – redundant in the responses of users! – Is common in client relationships vehicle car warranty. This means a meeting between client and provider, where he agreed to speak frankly and tell each other everything.

• Personal branding: with the development of all areas of web, the term is ubiquitous. Managing personal branding means managing his personal brand and / or business on the web and social networks.

• Printer: Print something. • Process

"you have not complied with the process, you'll have to start over!" The significance of process is rather vague, and close enough to French term process.  

…… @ Quentinperinel8 "process" is all the more irritating that means everything and nothing.

– Margaux Baralon (@ MargauxBaralon)

29 April 20149 • Reporting: make reporting. Or make a progress report or a report.

• Switcher: the notion of change or exchange something, no matter what it is. Switcher one day permanently with another colleague, or switcher holiday dates we had chosen beforehand.

• Workshop: This is a training seminar, reflection or creation that meets or different employees of the same company or several frames working in the same sector. These meetings focus on a specific theme and aims to educate participants in a given subject.


Apr 11 2014

The stickers, a little-known business on smartphones

Tag: business, economic, finance, international, opinionsadmin @ 3:24 am

 We call

smileys, emoticons, emoji or stickers. They dress our emails, chat conversations and SMS our patterns of all colors. From smiling to moving images via the cute cat face, they embody in their own way a certain culture of the image on the Web. Thanks to smartphones, these small images are now fertile ground for a booming economy.

A new means of communication

The smileys have evolved since the early messengers. Combinations of punctuation (eg, colon followed by a parenthesis – :) – a smiling face) have been replaced by icons specially designed by the mobile manufacturers. The first to have seen the phenomenon is NTT DoCoMo. In the late 90s, the Japanese operator has launched the "emoji", a font only consists of standard icons. NTT DoCoMo wanted to facilitate the exchange of its customers by integrating images directly into their mobile phone. "When someone sends 'I understand', the speaker may not know if this is something nice, or if it is something negative," explained Shigetaka Kurita, creator of emojis in an interview with the magazine The Verge 1, to justify his invention. "You never know what happens in the mind of the person who sends us a message."

With emoji, users have SMS easily add to their hearts or little faces expressing emotions of the moment. First acclaimed by Japanese teenagers, emojis became widespread in 2011, thanks to their integration in iOS 5, Apple's mobile operating system. They were then adopted by other services, including the latest version of Android (mobile operating system from Google), Windows Phone or Hangout, instant messaging, Google, and recently social networks like Twitter. Example

stickers used on Line. Already

20% of turnover Line

The arrival of emojis gave ideas to companies specializing in services for mobile. The instant messaging applications such as KakaoTalk, Line or WeChat, sought to monetize the interest of their users for these cute pictures or funny. Thus were born the "stickers", a larger version – especially pay – emoticons.  

This new generation smileys owes much to Japanese Application Line.2 Since its launch in 2011, the courier was a large catalog of Pay images, updated through collaborations with artists or celebrities. On Line, you can buy stickers bearing the image of Paul McCartney or the latest manga fashion free credit score. Users to collect them because of a few tens of cents per unit. In 2013, Line has managed to generate 50 million euros from the sale of stickers, or 20% of its turnover.

As smileys and emojis the stickers used to communicate with contacts quickly and efficiently. A significant interest in Asia, including ideographic languages ​​complicate writing on a keyboard. European and American public as it converts, more for the fun side of these images. Line spotted this hearing and adapts its catalog to local tastes in countries where it grows. Spain, users can buy the official stickers Real Madrid or FC Barcelona.

Inspired by the success of Line, Western Web companies also put the stickers. Facebook has launched a store in its messaging service, Facebook Messenger, currently only stocked lots of free stickers. BlackBerry has done well his BBM application. The stickers have appeared in smaller services, such as the Path application that has made his sole source of income. From

advertising in the middle of conversations

As usage increases, the stickers are becoming increasingly an advertising channel. Again, applications Asian IM showed the way. They put Passier partnerships with brands such as Coca-Cola, to produce Sponsored stickers. On Facebook, and you can use stickers bearing the image of LEGO or Muppets (owned by Walt Disney Studio). Thus, users are left to themselves transmit advertising messages to their friends.

"Rather than calling around the content with banners, the advertisement is brought to heart conversations," says Jonathan Levy-Bencheton, co-founder of Feeligo. The French start-up that offers a tool stickers for websites, has teamed up with the production company Century Fox. Through this partnership, members of the site aufeminin.com, Feeligo client can use stickers bearing the image of drawing anime Rio-2, produced by Century Fox. Encouraged by his first campaign, Feeligo now seeks to support other brands in this new form of communication.

All brands do not bother with such an agent. In March, the famous designer Karl Lagerfeld launched his own line stickers in his likeness, available by downloading an application for smartphones. A strategy to attract young users and ensure a new source of revenue, all at a lower cost. To attract consumers, Web companies and brands now feature their best smile.


Apr 09 2014

PSA Rennes website showcases the Factory of the Future

Tag: economic, economy, life, special, worldadmin @ 7:32 am

 

Employees of PSA Peugeot Citroën1 Rennes plant are worried about their future. An extraordinary meeting of the committee of establishment provided Thursday, April 10 should "reorganize production in a single team, which means the removal of a half team," says Loïc Pottier, the CFTC2. Rennes is inspired Poissy and Mulhouse, where a team has lost in recent months. This removal can be done in the framework of the new social contract approved last year by the unions.

"We expected this announcement for 2015 rather than now," says Loïc Pottier. Trade unions signed agreement CFE-CGC, CFTC, and SIA-requested management constructor "make every effort to repatriate to Rennes new activities in workshops and research and development."

On this point, the Ministry of Productive Recovery should answer this. Rennes has indeed been chosen to host one of the pilots' factory of the future "plan. It is one of 34 industrial plans presented by the President of the Republic and the Minister of Productive Recovery in September. Its management was entrusted to Frédéric Sanchez, president of the manufacturer of machine tools Fives, and Bernard Charles, President of Dassault Systèmes.

The details of this plan have been disclosed last Thursday at the Salon of the industry, but at the last moment Arnaud Montebourg3 canceled his coming, held in Bercy by the ceremony of transfer of authority. On behalf of the Minister, Christophe Lerouge, Commissioner productive recovery of Burgundy, said Thursday that "this plan has two objectives: to work on the French offer of new production technology, such as 3D4 printing or robots to be able to export; and secondly, to ensure that these technologies are spreading in France in order to gain competitiveness. " A first steering committee for this plan met mid-March to validate four projects identified twenty one. Wizards robots

One of these four projects thus relates the PSA Rennes site. It should allow to conduct a pilot line for manufacturing prototype parts in composite structure for automobiles. Much lighter than steel, composites will help lighten cars and thus reduce emissions by improving consumption. This line will use technology developed by Fives specialist composite technology. This demonstrator will be housed in Excelcar a company's R & D set up by PSA and supported by the local Breton as part of the re-industrialization of the site. Actors

industrial-builders but also equipment-believe may contract with Excelcar to implement in their factories, their own tool production. Rennes line should be operational late 2015. The total investment will be between 10 and 20 million euros, and will cover 30 to 40 jobs. "The potential is, however, hundreds of jobs if manufacturers decide to implement other production lines in their factories for their vehicles," said an industry expert.

These projects should enable "the transformation of existing plants to create windows of the French technology that can be visited by foreign delegations, for example "explains Frédéric Sanchez Figaro. Unlike the German model, where the robots are already widely distributed in plants because labor is rather scarce, the French model leaves room to the man he is meant to be seen rather as replaced by a robot.


Apr 06 2014

 Charlie Hebdo offers reduced in past cities right and the extreme right prices

Tag: economic, features, publications, resources, technologyadmin @ 8:04 am

 A

"special offer post election hangover wood." Charlie Hebdo1 offers until April 8 subscriptions at reduced rates for the past right or the extreme right in the last municipal elections cities. "Your city is moving to the right or the far right? You do not plan to move? Charlie supports you in this event, we offer you the discounted rate for all contracts taken until Tuesday, April 8 included, "says the description of the subscription.

Subscription for 6 months and from 55 to 45 euros; than a year from 96 to 76 euros and that of two years from 185 to 146 euros. In addition, "you receive a gift and save up to 54% of the cover price. What could be better? "The newspaper added. The Offer is made all the inhabitants of the past right and the extreme right cities, "young, old, military, unemployed, prisoners, retired, non-taxable, invalid, or you subscribe someone who the is ".

…… Special Offer "Hangover post election wood!" http://t.co/W14iEQnCt12 pic instant payday loan.twitter.com/R0eVDPQfui3

– Charlie Hebdo (@ Charlie_Hebdo_) April 2, 20144

So without marketing or real militant act? "This is a militant act," replied Charlie Hebdo. "We did this also to laugh, to lighten the mood." And the satirical newspaper, marked left, is not his first attempt. Already in 2011, the a "Sharia Hebdo5" was controversial and the newspaper was the target of arson. "We have already launched promotional offers of this type," says the satirical weekly.

And the financial impact is not necessarily strong. "We have not noticed an increase in our subscriptions up this offer," says Charlie Hebdo. If "people take it as a joke," offer different prices depending on the location of the subscription is illegal. "In legal terms, this is discriminatory," says Delphine Meillet, a lawyer at the Paris Bar .. "Legally, there is the matter, but the damage will not look very far," she adds.


Apr 01 2014

Property: all that changes this year in tax

Tag: business, economic, money, news, resourcesadmin @ 7:33 am

Source Le Figaro Magazine

Under the sign of rigor, the 2014 budget has not spared immobilier1. Thus, the VAT applicable to maintenance work in the house from 7 to 10%, except for energy renovation work. In the aftermath, the conditions of access to sustainable development tax credit has been tightened. Finally, buy a property will cost more this year. At the higher rate of VAT on notary fees 2vient added that registration fees: many councils have increased, on 1 March, the county tax on property sales.

The only measure favorable to owners concerning real estate capital gains realized on the sale of housing: exemption has now gained after 22 years in prison and not more than 30 years. And until the end of August, a reduction of 25% is possible on capital gains.

The real estate gains partly exempt after 22 years

Gains on disposals of housing other than principal residences are now exempt from tax income after 22 years, against 30 years ago. The period to be exempt from social security contributions (15.5%) remains, meanwhile, set at 30 years. If you sell a property before this time, so you should pay tax on the gain at the flat rate of 19%, possibly increased by a surcharge of 2 to 6% when the taxable capital gain exceeds € 50,000. The amount of the capital gain is taxable, however, subject to a deduction for holding period (after 10 years, the seller has for example a 30% reduction on tax and 8.25% on social security contributions).

If you plan to sell a property before 1 September 2014, you will benefit more from an exceptional discount of 25%, calculated after deduction period of ownership. Attention, this reduction does not apply to sales of shares in real estate companies (SCI for example) or to transfers in favor of a family member (spouse, partner pacs, partner, ascending or descending). Disposals

Land remain exempt after 30 years

The ax has not gone away! The provision of the Finance Act 2014 to remove allowances for holding period for sales of building land was censored in extremis by the Constitutional Council. A rescript (No. 2014/01 of 9 January 2014) is then came clear that the exemption is granted after 30 years. Example: after 10 years, the reduction is only 10% for land (against 30% for residential). Registration fees

increased in many departments

As the Finance Act 2014 so authorizes, 66 departments (their list is available at www. tax. govt. fr) found 3.8 to 4.5% the amount of the county tax on property sales. In these departments, registration fees (also called "notary fees") are thus passed from March 1 to 5.80665% (5.10665% before). This increase is intended to apply until 29 February 2016. After this date, the tax would – theoretically – be reduced to 3.8%.

If some departments, like Paris, Isère, Yvelines or have already decided not to increase registration fees, others have not yet voted, probably waiting for the maturity of the municipal elections. If those notify the tax authorities no later than April 15, 2014, their decision to the county tax of 4.50%, the increase will apply to sales made on or after 1 June 2014. However, if this notification occurs between April 16 and November 30, 2014, the rate of registration fees will be raised only for sales entered into after 1 January 2015. Which would be a welcome time for buyers concerned business card.  

Indeed, the increase in registration fee is in addition to the slight increase in fees of notaries following the VAT hike passed, 1st January, from 19.6 to 20%. For a home purchased € 200,000, it is estimated that in the departments have increased their tax expenses amounted to € 16,000 or € 2,000 more than in 2013. Increases cascade that may well ultimately erase the slight decline in property prices seen last year. The tax

Sustainability simplified but hardened

Every year credit finance law gave birth to a new version of the tax credit Sustainable Development (ICSD). Approval are now subject to the achievement, in the principal residence of at least two eligible projects (eg, loft insulation and installing a heat pump). Households with modest incomes (the ceilings are defined in Article II of the 1417 tax code, CGI) may, however, continue to benefit from ICSD to achieve a single category of work. Household making a bunch of work can, whatever their income, expenditure spread over two consecutive years rather than one. In this case, the tax benefit will be granted under the income tax of the second year.

Another new 10 rate tax credit give way to two rates applicable regardless of the equipment installed: 15% for the achievement of one catégoriede work (be-tested) .20% for making a bunch of work (regardless of household income).

However, the expenditure ceiling taken into account has not budged. It remains to € 8,000 for a single person and € 16,000 for a couple. This amount is increased to 400 € per dependent. This ceiling is multiannual and restores every 5 years.

Example: A couple with two children is make insulation work for 15.000 € and changes its boiler to a condensing furnace (4500 €).

Expenses taken into account: € 19,500, capped at € 16,800.

Amount of tax credit: € 16,800 x 25% = € 4,200.

This year, the list of eligible equipment has been reduced (see Appendix 4, Art. 18a of CGI). Since January 1, photovoltaic panels and equipment for the recovery and treatment of stormwater open longer eligible for the tax credit. Finally, after being eligible for several years, donors are excluded from the IFSD. This is now restricted to the owners, tenants or occupants for free. Accumulated tax

and eco-PTZ credit: new resource limits

Sub-tested, it is possible to combine the IFSD and eco- zero-interest loans (PTZ). 2014, the income limits have changed. The income tax reference (n-2) is € 25,000 for a single person (€ 35,000 for a couple + € 7,500 per dependent). VAT

: rising to all floors!

January 1, 2014 all VAT rates have increased. Rate called "intermediate" from 7 to 10% and the "normal" rate of 19.6 to 20%. In practice, the 10% rate applies to improvements, processing, development and maintenance of dwellings completed over 2 years.

Rate of 20% applies, meanwhile, when the important work contributes to the production of a new building (as defined in Article 257 CGI) or when work resulted in an increase of more than 10% of the existing floor surface. Good news, the eligible work at ISDC are being applied since 1 January, a 5.5% VAT.

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