This scenario of a sudden release of nuclear energy in twelve months is not the political fiction. It is seriously considered by officials and experts. Asked about this possibility by Le Figaro last week during his visit to Paris, the new Japanese Minister of Economy, Yukio Edano, kicked into touch. And answered: "We have confirmed the safety of reactors stopped before restarting. I can not tell you when. "

Click on the thumbnail to enlarge the graphic.

Currently, only ten of fifty-four reactors are in operation cash advance in one hour.Besides the four Fukushima Daichi finally destroyed by the tsunami, forty reactors are stopped either because they were damaged on March 11, or to be auscultated. In the next six months, the ten operational reactors must undergo in turn scheduled maintenance shutdowns. Or, while mistrust of nuclear power lies in the opinion, the Government will take maximum precautions before giving the green light to restart.

A shortage of current threat does the Archipelago? The test of the summer was passed (read the story below). Yet he missed 10% of electricity generation capacity, equivalent to the production of the Netherlands, explains Laszlo Varro, head of markets for electricity, coal and gas to the International Energy Agency ( IEA).

The Perp: still little used

The most universal of these savings products is also the least known. The popular retirement savings plan (PERP), established to encourage the French to build and open to all, hard to seduce.According to figures from the French Federation of Insurance Companies (FFSA), 27,000 new Perp were subscribed in the first half of 2011, 2% more than in 2010, but the number of building plans has stagnated at around 2, 1 million since its inception in 2004. "It produces a tunnel that compares poorly with the life insurance contracts, where the funds are not blocked until retirement and also offer a tax advantage," said Marc Darnault, Associate Optimaretraite consulting firm.Perp of the main asset is the ability to deduct contributions from taxable income, with two limitations: the amount deducted must not exceed 10% of earned income, and must remain lower for the 2012 tax return, to 28,281 euros – 10% of eight annual ceilings for Social Security (Pass).

The placement is especially interesting for those imposed in the higher brackets (30 and 41%) of the Income Tax Act and is most appropriate as thirty fifties. The Perp suffers from a disability second. The sums are blocked until retirement recovered mainly in the form of an annuity.Only 20% of funds can be "removed" capital (they are then subject to withholding tax of 7.5%), except in special cases (acquisition of a principal residence indebtedness, disability …) "The Perp is a wager on life expectancy, "says Marc Darnault. The pension amount is difficult to assess in advance and then it will suffer the same tax that the pension provided by the general scheme, namely the scale of income tax after deduction of 10%.

The Perco: the advantage of leaving capital

In comparison, the Retirement Savings Plan (PERCO), which allows the retirement funds out an entire capital – option selected by three-quarters of investors – more attractive.Reserved for the minority of employees whose company has set up this device (about 2.8 million people affected), it has experienced in 2010 an increase of 27% over 2009, according to the French Association of Financial Management (AFG). Some 690,000 employees have passed and the stock reached 4 billion euros on 31 December, an increase of 35% in one year.

The Perco can be powered both by the employee, who can contribute a maximum of 25% of its revenues, as the employer of up to triple up to a maximum of 5,656 euros per year. These payments are exempt from social charges and tax. Only the CSG (7.5%) and CRDS (0.5%) must be paid. "It's a little device binding is a management tool. It may in fact be powered by the profit-sharing payday advance low fees.Since 2010, half of it is also paid directly to the Perco, "said Philippe Crevel, general secretary of the Investors' Circle, which advises to choose security, particularly at the approach of retirement. "It should also be careful because insurers who manage packages often encourage more risky," warns Marc Darnault.

Préfon: The Perp of the Public Service

This optional retirement plan is open to staff and those who worked for a time in the public service. He met with mixed success. Only 3.7% of potential members contribute to gain points Préfon. A lack of interest that can be explained by the low incentive to contribute, the Pension Plan of the Public Service to ensure a replacement rate of 75%."This has made less sensitive to the officials the opportunity to purchase additional pension that private sector employees, including the replacement rate is 50%," says Philippe Crevel. In addition, the level of pension paid will depend on the pension point value, passed annually in the board. A rather complex system that does not allow the insured to have a clear idea of ​​what it touches.

The Préfon was dusted in early 2011. If the principle is the payment of a pension supplement in the form of annuity (taxed at the rates of income tax after deduction of 10%), it is now possible to recover 20% of the money invested capital (taxed 7.5%). Its main attraction is nevertheless able to reduce its income tax by contributing.As for the Perp, amounts paid annually to the Préfon are tax deductible within the limit of 28,281 euros for 2011 income.

Madelin: a necessary complement to the self

Created to encourage self-employed (merchants, independent artisans, professionals, leaders of society … self-employed) to accumulate savings and a pension insurance scheme Madelin contracts are tax-advantaged. As for the Préfon and Perp, contributions are deductible from taxable earned income (BIC or BNC). The device is even more advantageous, since the deduction of 10% of income to a maximum of 28,281 euros plus an additional deduction equal to 15% on income between 35,352 euros (the maximum Social Security for 2011) and 282,816 euros (eight times in the past). The maximum deduction is set at 65,401 euros."Contributing to this diet is all the more necessary for the self that the benefits of their pension base are lower than for employees," said Marc Darnault.

According to the circle of investors, 61% have an independent contract Madelin (including retirement). The FFSA counted 899,000 contracts outstanding of 1.1 billion euros. The funds invested – usually on euro fund or units of account such as life insurance – are recoverable in the form of an annuity (taxed at the rates of income tax). No events capital is possible except in very specific cases of bankruptcy or disability of the investor.Finally, unlike other retirement investments, payments on contracts Madelin must be regular.

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Politicians of the old continent have already promised that a solution to the crisis would be found. "Monday morning he will have the markets, the United States, China and the IMF are convinced that Europe has a plan, a European official placed loose in the heart of the discussion. If there is no agreement, each European country will be reduced to playing individual survival. "

Meanwhile, last minute negotiations are increasing.Nicolas Sarkozy visited emergency yesterday in Frankfurt to resolve differences between France and Germany directly with Angela Merkel. No information was available for this meeting. The Wall Street Journal, the discussions would focus on the possibility of allowing the EFSF to provide collateral to support bonds issued by countries in need rather than use it to provide direct guarantees.

Chapter macroeconomic, Germany will provide the Government's economic forecasts. Across the Atlantic, the weekly claims for unemployment benefits will be published 16 hours and the resales of September and the composite indicator of economic activity.Activity in the Philadelphia area in October will be known 16 hours.

New burst of publications

As for values, the Dexia should respond to green light by the French Senate on the guarantees provided by the French state in the process of dismantling the Franco-Belgian bank. Legislators have asked, however, a principle of banking counterparties.

Pernod Ricard achieved a turnover up 6% to almost two billion euros in the first quarter of fiscal year 2011-2012, according to a statement released Thursday.

Schneider Electric has lowered its forecast its operating margin from 2011 to 14% after posting a turnover up 4.6% to 5.7 billion euros in the third quarter.

Publicis announced that he fears a slowdown in activity at the end of the year, following growth of 7.5% of sales in the third quarter, but still think recording "above market growth" over the entire the exercise.

The manufacturer of smart cards Gemalto, the world, published Thursday in the third quarter sales of 491 million euros, stable over a year and affected by the poor performance of mobile telephony.

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Tens of thousands of demonstrators, inspired by the "outrage" of Wall Street and Spain, marched Saturday in Rome, the city had been cordoned off by police. "One solution, the Revolution!", "We are not property in the hands of bankers," could be read on the signs of the protesters no fax cash advance.

In Rome, several cars were torched. Photo credits: ALBERTO PIZZOLI / AFP

Banks 'traditional' is the Postal Bank which offers the lowest rates with an average annual cost of 73 euros, ahead of Caisse d'Epargne Ile-de-France (83 euros) and Societe Generale (93 euros ). Bringing up the rear, there is Crédit Mutuel Ile-de-France (133 euros) and CIC (140 euros). But the banks 'traditional' remain far behind online banking, according to the survey published in the journal business cards.Including ING Direct, which continues to lead but the price of the basket of basic services is no longer free but is 10 euros.

To perform its study, the magazine wrote a basket of ten banking services under the Act Lagarde. It includes an international payment card with deferred debit, the new edition of the code card, a transfer to another bank, the blocking of a check, looking for an archived document for over a year, account management on the Internet and any account maintenance fees.

"People panic"

A restructuring would mean a partial collapse of the country. A hypothesis that is growing in Europe as soon as possible to avoid a domino effect on subsequent Greek procrastination. Many economic analysts, as Katerina Sokou, see this as a political game. "The government hopes the restructuring of 50% but does not want to ask, she says. The idea is to pass the measures, even if they are bloody and unjust for the most disadvantaged, in order to be rewarded with a debt restructuring, while remaining within the euro area.Of course, this implies a shower of austerity for years. But having a viable Greek debt is better for Europe. "

Several other European officials have discussed in turn: Klaas Knot, Member of the Board of Governors of the European Central Bank said it had absolutely no idea of ​​a Greek default, indicating that s 'acting in one of the scenarios. This is the first member of the ECB to speak in this sense. More cryptic, the German finance minister, Wolfgang Schäuble, said he was "whether what was proposed in June and July for Greece is still sustainable in light of recent developments." At the same time, it is "too early to speculate on this idea right now," he added.

This evocation of more frequent non-payment of Greece begins to cause problems in the country."People are panicking. We receive many calls and emails requesting information, or should keep their money in the bank or not, says Sia Kossioni, presenter of TV news 20 hours SkaiTV. So we pedagogy and what it means to decrypt a bankruptcy, framed or not, a default or restructuring. "What a little more fragile banking sector, already in poor condition. Moody's dropped the rating by two notches from eight Greek banks. A decision justified by including "the expected impact of the deteriorating domestic economic environment of non-performing loans" and "still fragile liquidity position." The rating agency also believes that the outlook for the rating of the eight banks are negative.

Dubbed the "rule Buffett," this tax is in terms of reducing the budget deficit that the U.S. president must explain to Congress Monday.Its goal? Ensure that the wealthiest taxpayers pay at least as much taxes as middle-class homes. This is not the case, as pointed out by Warren Buffett this summer, because of certain provisions of the Tax Code.

1200 billion dollars in savings to find

Thus, capital income such as dividends or interest earned by the fund managers are taxed at 15%, while labor incomes are between 10 to 35% payday loans. "While the poorer classes and middle classes are fighting for us in Afghanistan, while most Americans struggle to make ends meet month we mega-wealthy continue to benefit from special tax exemptions," wrote Warren Buffett in an article published last month in The New York Times.

This tax should allow Barack Obama to approach a little more of his electoral base of the Democratic Party criticized him his "gifts" to tax the wealthiest people. The Republican majority in the House of Representatives have already announced that he would vote no tax increase.

While the United States must find 1.2 trillion dollars in savings by the end of the year, Barack Obama warned on Saturday the Americans that they would provide "pull their weight" to reduce the budget deficit. And pressed again, the Congress, including Republicans, to adopt his plan for the use of 447 billion dollars. "More games or impasses. More division or delay, "he said during his weekly radio address.

Sold leased, the price is lower, at 3620 euros per hectare, which is still a 51% increase in 13 years. Rental status is not the only explanation for the difference in price between these two types of terrain. Although subject to the law of the market, characteristics of municipalities where agricultural lands are for sale often come into playThe specialty of the town, that is to say raising grain or cattle, for example, is one of the main factors that come into account when the reserve price. When the municipality has a dominant breeding beef cattle, rates may be on average 10% cheaper than in a town that specializes in cereals.

Geographically, the agricultural land is distributed in a rather orderly in the territory. The leased lands are mainly located in the Paris Basin and the northern half of France, the rest of the country being occupied mostly by vacant land payday loans in one hour.

New competition

More generally, the report highlights the influence of geographical location on the pricing of these lands. Near a city, a parcel is approximately 8% more expensive than in rural deep.An element that is associated with patch size, which also has changed over the years: the area of ​​arable land and grasslands free decreased in urban areas. Instead, the size of land rented sold continues to grow throughout the country thanks in part to farms that do not stop to grow to increase their production.

Another change in size during the past 13 years: the buyers. The report shows in fact that today Agreste fewer farmers acquire land and open meadows. They represent only two thirds of the purchasers against three quarters in 1997. Although this was down due in part to their inability to face economic uncertainties but also the arrival of new competition. A growing number of individuals and communities have actually landed on the market for agricultural land free.Primarily interested in the land, they usually offer to buy the most expensive land that farmers and thus participate in the surge in prices.

The member was itself inspired by an actual case that occurred recently in his constituency. Badoit employees have offered 170 days of RTT to one of them to accompany her to the end of a child with liver cancer. A single gesture of solidarity was observed in April in the automotive supplier Fuji Autotech in the Doubs, in favor of an employee whose husband was suffering from lymphoma. Or at Merial, a subsidiary of Sanofi, which has even signed a collective agreement on this.

Company agreements

For now, no text did not mention the possibility of offering shorter working week, days off or recovery. This practice was not illegal as long. Spontaneous, it has developed on the basis of agreements between employees and employer, which is responsible for the holidays. "The agreements allow the company to implement virtually any provision not prohibited by the labor code," says Eric Rocheblave, lawyer office.

Thus the employees of Adixen in Annecy, could pay back all of their Christmas bonus for interim company, who did not have touched before fast cash now. Or that Renault executives have, by sacrificing RTT make ends months of Workers' group, one time forced to short.

Few dispute

But if an agreement is simple enough to offer its RTT, why, then, legislate? The bill appears to meet two objectives. First draw the attention of public opinion on a new form of solidarity. Then make sure to prevent abuses that could result.

Thus the proposed text, which focuses only on the donations bound for parents whose child is "gravely ill," says that the agreement required the employee donor such as his employer. "To the extent that these initiatives are based on agreements, litigation is rare. For now, it is even nonexistent, "Eric Rocheblave nuance. Already signed by 136 MPs, Paul Salen, interviewed Thursday morning in Les Echos, has high hopes to push through the text before the next presidential election.

"YOUR OPINION – Do you agree with the initiative of offering their employees days off? Would you be willing to do the same for a colleague? Share your thoughts and experience in the comments below or by email at temoin@lefigaro.fr.

Markets reacted to a volley of announcements of mergers and acquisitions. First, Google (-1.16% to 557.23 dollars) has announced the acquisition of the mobile phone manufacturer Motorola Mobility (55.78% to 38.12 dollars) to $ 12.5 billion in cash. Time Warner (-0.81% to 64.98 dollars), meanwhile, reached an agreement to buy the cable operator Insight Communications to Carlyle for $ 3 billion.Finally, Cargill will acquire the French specialist in animal feed Provimi to 1.5 billion euros.

As in Europe, investors are upbeat on the eve of an important meeting between French President Nicolas Sarkozy and German Chancellor Angela Merkel on the reform of the governance of the euro area. They should discuss ways to implement to prevent contagion problems of sovereign debt to the rest of the region.

But Germany has already warned investors: this meeting will lead to "nothing spectacular". "It will be a working meeting on the governance of the euro area in line with European decisions taken in late July," said the spokesman of the Ministry of Finance. The latter also confirmed the skepticism German, joined by France, in respect of Eurobonds.These ads have already resulted in demoralizing the European investors.

In Asia, the announcement of a contraction much weaker than expected Japanese GDP has also reassured the markets.

Morale builders stable

The statistics published on Monday in the U.S. are, however, bleak. Manufacturing activity in the New York area declined for the third consecutive month at -7.7, 3.9 points lower than in July.

In real estate, the NAHB index released on Monday shows that the morale of the manufacturers was unchanged in August, close to its lowest historical levels.

Note that the currency market, the euro strengthened against the greenback at 1.444 dollar. Oil markets, oil prices closed up in New York payday loan. A barrel of "light sweet crude" for September delivery was trading at 87.88 dollars, up 2.50 dollar.Prices had fallen during the European trading, erasing their gains made in Asian trade in a market nervous and still haunted by persistent concerns about global growth and the debt crisis in the eurozone. A barrel of Brent North Sea crude for September delivery was trading at 107.56 dollars on the Intercontinental Exchange (ICE) in London, down 47 cents from Friday's close.

Google swallows Motorola Mobility

On the corporate side, Bank of America (7.93% to 7.76 dollars) has announced the sale of its activities in the international credit cards in Britain, Ireland or Canada.

The food distributor Sysco (-3.93% to 28.11 dollars) announced earnings per share (EPS), diluted to 57 cents under its fourth quarter, diluted EPS of $ 1.96 for all of its financial year, while its quarterly sales reached $ 10.4 billion.

Estee Lauder fell 6.64% to 94.15 dollars. Despite the publication of a net income group share record of $ 700.8 million, up 46.5%, the cosmetics group announced its annual results would be below Wall Street expectations.

Lowe (0.82% to 19.58 dollars) has already reported sales below expectations in the second quarter of its fiscal year and lowered its annual targets for the second time in three months, consumers pushing their development projects until later because of sluggish growth.

Boeing (1.54% to 62.70 dollars) announced it had completed with Air Lease Corp. an order valued at $ 2.5 billion on 14 737-800 aircraft and five 777-300ER.

Pfizer (2.69% to 18.34 dollars) announced Monday it had won before a U.S. court case against Teva Pharmaceutical Industries of Israel, preventing the global generics to produce a copy of Viagra before 2019 .

Transocean (2.97% to 57.26 dollars), listed in New York, wants to buy the Norwegian group Aker Drilling, for a total of 1.1 billion Swiss francs (1 billion), according to a statement Monday.Several large shareholders, representing 65% of the capital, have agreed to the deal, said the Swiss.

The American specialist craft materials Grainger (2.01% to 138.57 dollars) on Monday announced the acquisition of the Dutch distributor of fasteners Fabory Group for $ 344 million (242 million).