Aug 30 2014

Congestion of electric cars in Norway

Tag: features, money, opinions, people, top newsadmin @ 8:32 pm

 

At peak, bus lanes in Oslo are stormed by cars. Legally. To foster the development of the electric car, the Norwegian government has indeed allowed their drivers to use lanes reserved for transit. This is beginning to cause serious problems, because of their more and more important.

So, at certain times, 85% of vehicles in bus lanes are electric cars. Success is indeed impressive. Since the beginning of the year, nearly 13% of registrations in Norway relate to electric vehicles. In France, it's less … 0.6%. No

sales taxes

To achieve this level, the Norwegian authorities have increased the benefits. Besides the ability to travel in bus lanes, a Renault or Nissan Zoe1 leaf2 can use free public parking, there is also free or charge flow freely congestion charges paydayloans. Above all, the owner does not have to pay sales taxes imposed upon other vehicles. These benefits

starting to cringe. Bus drivers and passengers of course. But the Ministry of Finance, which evaluates to 4 billion kronor (500 million euros) the cost of tax exemptions. Prime Minister Erna Solberg3 recently indicated that it was possible to consider "the downward adjustments in the future." Worrying owners of electric cars: 48% of them explain making such a purchase just to save money.


Aug 10 2014

Elon Musk, the conqueror

Tag: Uncategorized, economy, money, special, worldadmin @ 1:00 pm

 

"At that time, we would follow to hell with oil to tan." On August 3, 2008, Dolly Singh and hundreds of fellow employees at SpaceX assist in Direct the failed launch of the Falcon 1 Months of hard work are rocket undone in a moment, causing the hopes of exhausted engineers in their wake. But in a few sentences, Elon Musk has redirected his troops, she tells the site Quora business card. The problem is complex, it has raised the money for another attempt and, above all, he "will never give up." Touting a future travel to Mars and hyperbolic transport neo-prophet regained the heart of his followers as quickly as doubts had settled in their minds.

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Jul 21 2014

Nearly a third of ebooks sold on Amazon are self-published

Tag: international, life, money, opinions, technologyadmin @ 10:08 pm

 

The debate on the future of publishing is not likely to subside. The self-published science fiction blockbuster author Hugh Howey has released a report on the sector ebooks. He argues that the indie works (ie self-published), represent 31% of sales of ebooks on Amazon. Hugh Howey goes further and says that according to his Statistics1 freelance writers are moving beyond the Big Five, ie the five largest éditeurs2 (Hachette, Macmillan, Penguin Random House, HarperCollins and Simon and Schuster) in the United States in terms of royalties on paperless books.

Amazon offers the Kindle Direct Publishing3 service that allows independent authors to publish for free and immediately his ebook and sell it since 2007. "I tested the bestsellers of tomorrow on KDP before offering great paper publishers," explained Didier Imbot in 2013, littéraire4 agent at the head of Global Literary Management, Le Figaro. Amazon likes to highlight its "success stories" 5, the freelance writers who make a name and able to earn a living through self-publication. Amazon

against publishers

Hugh Howey is an example of successful freelance writer. It is especially known for his saga Wool Omnibus. It takes a specialized site to advise authors and publishes regular reports on the state of the sector. "I think it's more a kind of public relations for Amazon from an objective view of the digital market," retorted Philip Jones, editor of the trade magazine The Bookseller Guardian6. For statistical kitchen Howey in puzzles many. Among other things, the author works with an anonymous statistician, simply named "Data Guy" in the articles. Nevertheless, the role of independent sector is undeniable. In December 2013, according to figures trimestriels7, freelance writers accounted for a quarter of the top 100 Amazon. Com. The famous Netflix

Book launched by Amazon will also relate essentially independent authors and small publishers. Indeed, the Big Five are not part of the offer of unlimited access to 600,000 ebooks for 9.99 dollars per month. For some of these publishers, it is also a way to protect competitors 8In services which they have invested, as Oyster. The rise of self-publishing also coincides with the war between the major publishers and Amazon.


Jul 20 2014

Holiday workbooks are converted to digital

Tag: money, people, publications, special, worldadmin @ 12:16 am

 Réviser1

and have fun during the summer seems possible with applications2 notebooks holiday. A solution that always attracted more parents to judge by the number of downloads for some estimated up to 2 million. The advantage? The Child3 becomes autonomous. Parents not just see a tab where they can check the average and the development of the child. "It is even a tool with which we can share good times with family," says Jérôme Serre, of EduPad leader, creative startup of iTooch Papers vacances4 application. A

"more exciting" tool

The application iTooch Cahiers holiday

A fun and interactive side that goes up to develop a scenario: "The game Video5 side of an application is much more challenging than a traditional notebook," confirms Bruno Le Guern, founder of the Application Class Pass. For his first day on Class Pass, the child begins his adventure on a boat. The objective is to reach a deserted island after spending the first session of questions and consulted pages progress. In all, nearly 10 hours of adventure and quizzes. The desire to unlock points or stars is then stronger than scratching on paper. But no

either side "time" panic, the child will not become addicted because the majority of applications shall adjust work sessions from 5 minutes one hour. "The vacances6 are primarily made to rest, a holiday notebook should not become a constraint," insists Caroline Maitrot, Nomad Education. Applications

prices remain below the paper book that ranges from 3 to 15 euros. For Notebook iTooch holiday application it takes more than 3 euros, and more than 4 euros for Passport and iCahiers holiday Nomad Education. Question reliability, the opinions of parents iTunes7 are divided: some are considered too short by users as Passport Hachette8 Education, lack of pedagogy Learning with Waki, etc.

. Application "complement" paper notebook

One reason not to throw paper notebook! "The application must be considered as a supplement, especially in the context of écriture9" says Caroline Maitrot. But Isabelle Racoffier National President of AGEEM (General Association of Teachers Schools and Kindergarten classes public), the smaller éducation10 mostly through elements of everyday life: "On vacation, I would invite families make sandcastles, explore a museum or zoo. They provide opportunities to review the concepts of math, science, etc.. " Draw, play and visit are all activities that, regardless of age, to enrich and grow.

Photo Credits: Pass Class


Jul 18 2014

Global markets affected by the crash in Ukraine

Tag: events, features, money, online, publicationsadmin @ 2:44 am

The crash of an airliner in malaisien1 Ukraine2, which could have been shot, shook the western markets and fall titles airlines Exchange Thursday as investors feared the impact of the disaster on the economy mondiale.A Wall Street3 where indices nosedived after the announcement of the crash, the Dow Jones4 abandoned around 18:00 GMT 0.42%, 0.81% and the Nasdaq5 the broader S & P 500 0.60%. European shares have also been hit hard by these uncertainties and ended sharply lower: the Paris market ended down 1.21%, in Frankfurt, the DAX index fell 1.07% and the Stock Exchange London dropped 0.68%. Asian stock markets were still closed at the time.The foreign exchange market remained relatively stable in the evolving euro6 dollar7 1.3523 after falling to 1.3517 at 2:55 p.m. GMT dollar, a new low in a month, 1.3524 against dollar on Wednesday to 9:00 p.m. GMT.L ' euro evolves its lowest against the Japanese yen, a value considered as "safe haven" by traders from février.Du side pétrole8, New York crude (WTI) for August delivery climbed almost $ 2 and Brent the North Sea to London has appreciated by 0.73% to 107.91 dollars.L ounce of OR9 has appreciated and ended at $ 1,302.50 at auction evening in London, against 1,301 dollars Wednesday . U.S. bond market, where operators take refuge in times of uncertainty left his side sharply higher. The yield on 10-year Treasury fell to 2.467% against 2.538% Wednesday, and the 30-year to 3.287% against 3.348% veille.Signe the nervousness in the market, the VIX index, called "index fear "soared 15.45% reading at its highest levels of the dangerous semaine.Plus for markets that sanctionsLes markets have suddenly lost ground to 1530 GMT as investors have learned that a plane Line Malaysian Amsterdam left for Kuala Lumpur crashed in the Donetsk region in eastern Ukraine guaranteed cash advance. "It is frankly very bad news, rather than Western sanctions announced" Wednesday night responded Gregori Volokhine of Meeschaert Financial services. "It calls into question the safety of air routes in this region of the world and in other regions", as in the Middle East, continued Gregori Volokhine. However, "air traffic is very important for the economy." What worries the most, as portfolio manager, "is that this is not an accident but a downed aircraft is going to ask questions that had never been asked previously. Risk stray bullets "on airliners. "This is unsettling for travelers and investors," he has estimé.Secteur global air in baisseDes both sides of the Atlantic, particularly information on the aviation sector weighed American Airlines10 fell by 2.52% at $ 42.38, Delta Airlines yielded 1.95% to 37.13 dollars, United Continental 2.03% at $ 42.99. The aircraft manufacturer Boeing11 limited the damage and let go only 0.30% to 127.04 dollars.L German Lufthansa12 giant European airline, which announced after the close of trading on Thursday that decided to bypass "substantially" space Ukrainian air, closed down 2.37% to 14.61 euros on Euronext Paris Francfort.A Air France13-KLM fell by 1.45% to 8.77 euros. At the London Stock Exchange, International Consolidated Airlines Group, parent company of British Airways and Spanish carrier Iberia, fell 3.02% to 330.70 pence and easyJet 1.18% to 1,341 pence.


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 07 2014

"Good funds" Michel Sapin

Tag: events, money, opinions, publications, traveladmin @ 1:37 pm

 

Once again, Michel Sapin1 won the award for humor. "Our friend is finance, good finance2" Sunday launched our Minister of Finance Economic Forum Aix-en-Provence 20143, which this year had the theme "Investing invent tomorrow." Intoxicated by the brightness of Provence, our bagman asked himself the question: "Will it finance a happy, happy in the service of investment, to make people happy?" "Good finance" is one that contributes to real investments. But the needs are enormous. This is even with unemployment, the only true sequel to the global crisis of 2008-2009, as recalled Christine Lagarde4. "At the end of 2013, the GDP of the G205 was 8% lower than their underlying trend (if there was no crisis) and investment down 20% over what should be, "said the director of FMI6.

The diagnosis applies equally to private investment firms for public infrastructure projects. The World Economic Forum Davos7 has calculated that the global economy devoted to these 3700 billion a year in the 1980s. Today is just 2,700 billion, is a lack of 1,000 billion. Citing these figures, Christine Lagarde revealed that the IMF would present a study on this topic in early October on the 40 major economies.

"In the United States, the United Kingdom and Germany, budgets are now 10% lower than they should be," said said the boss of the IMF, while noting that, for France, it was not the case. The French deficit investment is doing well, in her view, on private investment. Collapse

investments

Michel Sapin, for its part ready to subscribe to this diagnosis, if not it also recognizes that danger looming on the side of local authorities. The new municipalities are now "very careful, a too cautious," said he acknowledged at his press conference. Already smarting from the collapse of the housing investment, which "cost 0.4 percentage point of GDP growth" we, according to his figures, it should not be depressed after the building now gaining public works. Featuring

himself an outstanding hearty temperament, Michel Sapin is satisfied that the conditions of the trust is there, "now that companies perceive new opportunities and the CICE arrives in their accounts. " As for the discontent of social partners, Medef8 among others, and the left wing PS9, he summarized by this formula: "The complainers, the rechigneux as they say in Berry, feed the slingers, and the slingers feed moaners. "


Apr 04 2014

Mozilla boss loses his job after his remarks against gay marriage

Tag: international, life, money, resources, top newsadmin @ 2:20 pm

American Foundation Mozilla1, which develops the Firefox browser, announced today the departure of his boss just came into functions2 the heart of a controversy for his support for an initiative against the homosexuel.3 marriage "Brendan Eich chosen resign as CEO, "said Mozilla's official blog. The announcement of his appointment dated back only 24 mars.Brendan Eich was one of the co-founders of Mozilla, where he held several positions before becoming boss. But after his recent promotion, he found himself at the center of controversy because of a donation he had made to support a campaign against gay marriage in California conducted in 2008. Among his detractors included in particular the dating site OkCupid, which had begun to display the following message when users arrive on its internet page with a Firefox browser: "The new boss of Mozilla, Brendan Eich, is an opponent of the equal rights for gay couples. We would prefer that our customers do not use the software to access Mozilla OkCupid poor credit personal loans. "" Mozilla prides itself on having a different standard, and this last week, we did not . been up We know why people are hurt and angry, and they're right: it is because we have not been faithful to ourselves, "admitted Thursday on the blog of Mozilla Mitchell Baker, the Executive Chairman of the Board of the Foundation. "We did not react quickly enough (…) when the controversy started. Sorry, "adds elle.Mozilla indicates that discussions are still ongoing about its future direction, promising more information about" next week "." Mozilla believes in equality and freedom of expression, "but recalls Mitchell Baker." We accept contributions from anyone, regardless of age, culture, ethnicity, gender, gender identity, language, race, orientation Sexual, its geographical position and its religious views "and" we have employees with a wide variety of opinions, "she argues.


Apr 03 2014

Each player loses an average of 400 euros per year to gambling

Tag: money, online, opinions, people, specialadmin @ 1:52 am

 

Despite the crisis, gambling continues to attract French. Whether for a scratch ticket, to bet on a horse or fill a grid lotto, French households bet of € 46.2 billion in 2012, 76% more than in 2000, according to a study of INSEE published this Wednesday1. Enough to cover half of the deficit of France amounted to € 87.6 billion in 2013!

Almost half of French play at least occasionally. On average, the player bets 2,000 euros per year for a gain of € 1,600 and a loss of 400 euros. "But this is an average, an expert insists INSEE. Many people play mini-game are when a big development. " Another sign of this craze for games: their share in the budget of families n 'had to stop increase over the past decade, from 0.6% in 1990 to 0.9% in 2004, before record a slight decline in 2018 to 0.8%. Crisis forces! The French

lose money, but less than before

The French betting more money, spending (read losses) in 2012 also increased from € 6.4 billion in 2000 to € 9.5 billion in 2012, an increase of 48% over the last twelve years. Updates have increased faster than spending (76% against 48%), the rate of return players (TRJ), that is to say the proportion of bets operators render players, is now better it was 10 years, ie they lose less money than before.

But the state always ensure that this rate is balanced. "It should not be too high because it would promote addiction and money laundering, said the same expert. Conversely, a minimum rate is necessary to clean up the competition between operators and protect the players. " For example, the TRJ must be less than 75% for the lottery, 85% for sports and horse paris online and conversely, greater than 85% for slot machines payday loans. Inequalities between

FDJ, PMU, casinos and online gaming sector

gambling is composed of four actors: the French Games (FDJ), Pari Mutuel Urbain (PMU), casinos and online gambling since their approval in 2010. If the activity of the FDJ and PMU has been dynamic over the past decade and it focuses on two 71% of the activity, the casinos (24%) lost momentum from 2007. "In addition to the 2008 crisis, they suffered regulatory changes (mandatory identity checks and banning smoking)," write the study authors. Online games, they represent only 5% of the market.  

Another lesson from this survey: compulsory levies are very different from one game to another. FDJ reverse 67% of it being pocketed in the coffers, casinos 54%, 51% for online operators and only 39% for the PMU. Its low tax rate is explained by its participation in the financing of the equine industry. The PMU

, the most profitable trader

All stakeholders do not have the same rate of return which is calculated from the gross gaming revenue ( PBJ), that is to say the difference between the set of players and their winnings. Thus, the PMU has the highest profitability affecting 34% of GGR, casinos unable to reach 18% of PBJ when online games no profit, says INSEE. The most surprising is probably the rate of return of the JDF, which is only 3% of GGR. Involved? Its very high taxation. However, the State is its main shareholder (72%) did not seem to suffer!

At the end of the survey, INSEE said that gambling addiction concerns 10.8% of active players, or 1.3% of adult population.


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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