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Modulate his car insurance because of deductibles

April 15, 2012

The insurance deductible

In its most common meaning, the deductible is an amount of money that remains the responsibility of the insured in case of disaster or when the responsible person is not identified. This allowance is intended to:

The driver-responsibility by sharing the risk,

-Limit "small" claims, which are comparatively more expensive in terms of administrative costs,

-Allow the company to propose lower prices.

Namely: the deductible does not apply to third party victims, who are always fully reimbursed.

Application of the exemptions

Regarding auto insurance, there are also:

-Deductible mileage. It is home to a distance beyond which the automobile assistance benefits do not fire. For example, if the deductible mileage is 50 miles, the tow vehicle crashed 20 km from the residence of the insured will not be supported.

-The deductible on work incapacity or disability: it is the number of days of disability or a disability rate below which the personal guarantee of the driver does not play (eg, 10 days of disability or 5% disability).

Relief may take two forms. The franchise deductible amount is simply called a threshold. In this context, the insurer does not support the claim that if the amount exceeds the amount of the deductible. If he supports it, it's totally and no money is left in charge of the insured. For example, if the contract provides for a deductible of € 300, a loss of € 250 will not be supported, but a loss of € 500 will be fully reimbursed to the insured payday loans.

The corresponding absolute frankness about it in the most common case. This amount is borne by the insured in any case. Thus, if the deductible is € 300, a loss of € 700 will be repaid only € 400 to the insured.

Excess amounts

Some franchises are set by ministerial decree and therefore required all insurance companies. This is particularly the case of natural disaster deductible amount of € 380. In contrast, other franchises are freely set by the insurers.

Limit or eliminate the deductibles of an insurance contract is to actually buy them. Therefore, contributions and increase the gap between premium contract with deductible or no deductible up to 30%. The insured can choose its franchises in particular according to their driving habits.

Note: Franchise may be different from a guarantee to another. For example, in the same contract, the franchise glass breakage can be 250 €, but that of flight-fire guarantee of 750 €.

Thus, an insured person who never lends his vehicle can save money on their insurance premiums by choosing a franchise "ready to drive" high. Conversely, parents of a young driver may have an interest in buying the franchise "novice driver" time of his apprenticeship.

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The housing bubble inflated in Norway

April 14, 2012

In Norway, one of the richest countries in the world, the housing bubble never ceases to blow. Prices have doubled in less than ten years. The increase has further accelerated in the last quarter of 2011, fueled by falling interest rates. The Norwegian Central Bank, like its neighbors Sweden and Denmark, has changed its monetary strategy in December to counter the appreciation of his crown. "The monetary authorities are faced with a dilemma. Their priority now is to boost exports in a less favorable international context, the risk of maintaining the housing bubble, "says Caroline Newhouse of BNP Paribas.

There is also an effect "euro zone", the economist added: foreign capital sought refuge in the Nordic economies, spared by the European crisis and healthier financially. To say in the Norwegian case, the country has with its sea-kissed gas and oil a budget surplus of 10 to 15% of GDP on average and a sovereign fund with 400 billion euros. Boosted by exports and investment, in 2011 Norway experienced a growth of 2.5% of GDP and unemployment fell to 2.7% in February.

All positive factors that stimulate consumption and real estate credit. "The ratio of household debt to disposable income has grown very large: it rose from 125% in 2000 to over 200% today," says Caroline Newhouse instant personal loans guaranteed.

Back in Denmark

In early February, the International Monetary Fund (IMF) has warned against the risk of bursting of the housing bubble and its consequences on the banking system, the situation of households, and more generally on the country's economic health. The IMF, which considers house prices overvalued by 15 to 20%, slightly revised down its growth forecast to 2.2% of GDP for 2012.

It must be said that the real estate bubble burst in early 2011, after the rise in interest rates, no end to wreak havoc on the small Danish economy has plunged into recession in the second half of the year. Prices continue to fall and foreclosures have reached their highest in 17 years.

In Sweden, the landing is smoother, "the year 2011 was marked by the gradual turnaround in the housing market," said Nathalie Dezeure Natixis. All indicators – start of construction, residential investment, transaction volumes and property prices – are down but still at high levels. Concerned about the phenomenon, the Riksbank has commissioned several studies. It turns out that the movement is less speculative than structural, linked to a shortage of supply becomes problematic in central Stockholm.

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Risks related to life insurance

April 12, 2012

Risks vary with the type of contract

Two types of life insurance contracts. The life insurance policy and monosupport linked life insurance contract.

The life insurance policy monosupport is backed by one or more funds in Euros. These are financial products such as government bonds or Treasury bills. Also, the life insurance contract does monosupport in principle no risk: investments are safe and guaranteed capital.

The linked life insurance contract is backed by one or more funds in Euros as well as units of account. These are financial products such as shares in property companies or units or shares of collective investment in transferable securities (mutual fund units). Also, the linked life insurance policy may pose risks vary depending on the arbitrage between the different units of account.

Monosupport life insurance: the risk of bankruptcy of the insurer

Regarding the life insurance contract monosupport, the main risk is the failure of the insurer. Although this risk of failure is extremely rare, the European sovereign debt crisis helps to strengthen it. While some European countries were to fail and therefore not to honor their commitments vis-à-vis their creditors, it could affect insurers exposed to the debt of these countries.

However, if the insurer were to fail, the capital is partially protected by a guarantee fund which allows a maximum coverage of € 70,000 per insured. Regarding risks, it is necessary to clearly identify the insurer's life insurance policy that you subscribed. Indeed, it may be different from the distributor.

Linked life insurance: market fluctuations

The linked life insurance contract is exposed to the risk that the life insurance contract monosupport but also a risk associated with units of account. Indeed, the value of these markets may vary in large proportions. There is therefore no guarantee for the investment.

Limit the risks to life insurance

To limit the risks of life insurance, it is available for purchase life insurance policies from different insurers. Thus, in case of bankruptcy of an insurer, your investments are only partially affected. The guarantee ceiling of € 70,000 provided for contracts of life insurance is per insured and all contracts. Multiply insurers therefore does not increase the overall ceiling of guarantee.

Contractual mechanisms also exist to limit losses on contracts multichannel. This is particularly the case for the stop-loss, from a certain level of loss, to transfer the capital to support less risky.

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The dealer has claimed eBizcuss Apple

April 12, 2012

eBizcuss does not intend to disappear without a stir. He accuses Apple of its undoing. The small independent retailer specializing in products for the Apple brand, will declare itself insolvent by early next week. And he fully intends to increase the lawsuits against the U.S. giant. The dealer accuses Apple of failing to honor its deliveries. By the end of 2011, eBizcuss complained of not receiving iPhone and iPad. Quite embarrassing for the shops (8 in France, employing 120 people for a turnover of EUR 78 million) dedicated to the Apple brand. The French also accused the U.S. of diverting customers to do. "Consumers come to us, we explain the products, but we did not, they'll buy an Apple Retail Store," complains a saleswoman. Abuse of dominant position, abuse of economic dependence, unfair competition, parasitic practices … eBizcuss wants to attack on all fronts, complain to the Commercial Court and before the Competition Authority.

No response from Apple

Legal proceedings that will save the company certainly does, but are primarily intended to talk about it.

The spokesman eBizcuss do not hesitate to take the debate on other planes, recalling that Apple does not pay all his taxes in France: the purchases made by a French iTunes are charged via Luxembourg, which allows the firm to Tim Cook not to pay VAT in France. Faithful to its principles, Apple does not respond to these attacks. The group has already said not to be responsible for managing independent dealers.

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Raf Simons at Dior

April 10, 2012

It was to be expected. The Antwerp designer Raf Simons, arrived in February of his mission as artistic director at Jil Sander (where he handled collections for men and women since July 2005) has been appointed to head the creation of women's fashion at Dior. He was the last of the favorites in the long list of names mentioned as a possible buyer of the vacancy created by John Galliano since March 2011. Among the successors whose names have circulated even figured that of Marc Jacobs, current artistic director of Louis Vuitton or that of Riccardo Tisci in the same position at Givenchy, besides that of Nicolas Ghesquière at the helm of Balenciaga.  

But all hopes seemed to collapse when Raf Simons thanked Jil Sander left Italy without any announcement effect from Dior while Yves Saint Laurent terminated the contract of Stefano Pilati before confirming the Hedi Slimane's appointment as artistic director. By a rebound effect, the world of fashion has waited in vain for an immediate appointment at Dior at the same time. It has not happened. By a curious reverberation, Raf Simons Avenue Montaigne now occupy a position comparable to that of Hedi Slimane at YSL. The irony is that Slimane, asking the jurisprudence of the style of Dior Homme from 2000 to 2006, has often been compared – compared to nuance, to rightly or wrongly – in the style posed by Raf Simons in his own eponymous label. Then the divergent paths of both the affirmation of the growing aesthetic Slimane at Dior Homme and mission of Raf Simons Jil Sander have diluted this antagonism.

Jil Sander's latest collection (Fall-Winter 2012) signed Raf Simons presented in Milan last February was a real tribute to a new New Look of Dior. What whet fans' expectations of Dior and YSL, the ambitions of the two groups (LVMH Dior, YSL PPR), what – if any were needed – to stimulate the two creators. In short, good news in short, not to mention the talent of the men themselves, critical talent, talent by which everything begins and ends.

Rental investment: profitability wanes

April 7, 2012

The savings are worth more little and rental property remains the safe haven of many French. They hope to build a heritage and (rents repay the loan), or to obtain additional income for their old age. However, with soaring prices of the stone over the last decade, the profitability of real estate has waned. Because rents have not followed the same inflationary pressures. They grew more or less the same rate as household incomes. Between 1998 and 2012, rents (excluding fees) charged to the relocation of an existing dwelling, have increased by 2.6% per year, according to the observatory rents Clamor. And only 1.2% in the nine. Result, in ten years, the annual return of real estate rose by an average of 6.5% to 4% before tax. And much less after taxes. Because rents are among the highest taxed income. When less than 15,000 euros gross, the investor benefits from an allowance of 30%. But beyond this amount, income is taxed at marginal tax rate of investors plus the payroll taxes of 15.5% in 2012. We must also consider the property tax, which has risen sharply over the past five years according to the National Union of Real Property (UNPI).

More marked fall in the Ile-de-France

The fall in rental income is more pronounced in the Ile-de-France where prices of stone flew from the late 1990s. The evolution of the current yield (calculated by dividing the purchase price of property by the rent less the cost of management), makes clear. Whereas in 1999 the rental investment from 10.4% reported gross in Seine-Saint-Denis in Paris and 5.8% in 2009, investors could get better at 5.6% gross, this time in the Val d'Oise and 3.8% gross in the capital according to a study by the Institute of savings in housing and land (IEIF). Since 2009, the rental income has fallen further, especially in Paris where prices continued their mad ascent. The capital was, however, in recent years a good investment. "The overall performance (gain and efficiency) of investment in rental Paris was good compared to other financial investments," said Gilbert Emont, author of the study IEIF. "The price surge has allowed those who have sold their homes to reap substantial gains. These have significantly improved the performance of assets at current yield mediocre. "Yields were somewhat more resilient in the provinces. In 2009, the range was between 7.5 and 4.7% gross in large cities (against 9.4 to 6.2% in 1999). "But sometimes, high profitability is associated with a significant risk, including rental vacancies," said Eric Pompon, director of Meeschaert Estate Board. Investment in new via the Scellier remains interesting. It offers a tax reduction equal to 13% of the purchase price of the property in exchange for renting out for nine years. The rental yield is estimated at 4% on average through the tax savings (against 6% in 2011). "But be careful not to overpay good and be sure you can rent it by choosing a quality site," said Eric Pompon.Quel the mode of investment, small areas are rented more expensive per square meter that are larger and hence more profitable, even if tenants are more fickle, especially in the studios. Most of the rental demand elsewhere on the door of an apartment and one bedroom. "Although real estate is worth more than all the past, it remains more profitable than other investments and helps protect against inflation, not to mention the potential capital gain generated on the resale of property "says Eric Pompon.

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EDF has been a leak of radioactive water at Penly

April 6, 2012

The reactor of the nuclear Penly, Seine-Maritime, did not escape unscathed from two outbreaks of fire that led to his arrest early Thursday afternoon. EDF said the evening had detected "a default on a joint of one of the four cooling pumps the coolant in the reactor building of the production unit No. 2." This defect has itself caused a leak of water "collected in tanks provided for this purpose. These tanks are located inside the reactor building, "explains the company in a statement.

According to EDF, the leak of radioactive water "has no effect on the environment." The reactor continues to be cooled and normally the central teams working to reduce the pressure and temperature of the water contained in the circuit payday loans. "By lowering the pressure and temperature, work expertise of the pump and its repair can be undertaken," says the group.

"Small oil spills that were on fire"

EDF argues that the defect is a direct response to outbreaks of fire occurred at the pump to 12:20. At this hour, a fire alarm went off after a smoke in a room located in the reactor building of the production unit # 2. Security systems were then engaged, causing the reactor trip. A first release of EDF, ensured that there were no injuries and that the facilities were "safe." "The event has no effect on the environment," explained the group already.

Occupation: you better target your mailings CV

April 4, 2012

This unemployed architect has worked hard. Without work since 2009, Dan Zamora sent over 3000 CVs in the hope of getting a job, tells the Midi Libre. 936 responses to job postings, unsolicited applications in 2078 and 13 requests for training. Who have all ended in failure. "There is more work in my industry and I no longer believe in the possibility of conversion," the candidate is desperate.

The case of Dan Zamora, 59, illustrates the difficulties faced by more than 50 years on the job market deteriorated. But it also emphasizes the importance of targeting its research so that it bears fruit. "With 3000 hp sent, we can assume that not everyone has been addressed with the same relevance," said Frederic Magnen, senior consultant with the firm of recruitment Selescope.  

Applicants whose research patina may be tempted to apply for jobs "for which they are clearly under or overqualified," says Naomi Cicurel, director at recruitment firm of Robert Half. Strategy it deems inefficient: "The risk is to appear desperate and unprofessional, which will limit the chances of success if another position is better suited to his profile, is released later business cards design."

Depletion of applications

Better to be less forthcoming in applications and more personalized. "With the rise of great classifieds sites of employment, people in research began to send many more hp. And there was a depletion of applications, "says Frederic Magnen. The recruiter advises candidates to differentiate themselves by taking the foot against this trend. "Reply to a dozen ads in line with your profile is enough," said he.

For more attention of recruiters, it is important to treat his resume, usually read first. According to a survey by consulting firm HR WIT Associates, nearly 70% of recruiters do not read the letter that if they find interesting cv. "It must be synthetic, and highlight the skills and experience in line with the announcement. There is no point applying indiscriminately, "says Frederic Magnen.

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The strike disturbs slightly French air traffic

April 2, 2012

The call to strike by three unions (CGT, CFDT and UNSA) air traffic controllers will cancel and delay several flights to Orly and some regional airports. At Air France, which opened two new bases Sunday in Toulouse and Nice, it ensures that customers affected by such disruption are informed as and by SMS, email, ur website or via smartphone applications . The company says that there will be no cancellation of flights from Roissy-Charles de Gaulle, otherwise some delays. The strike only for domestic flights and will have no effect on the medium and long haul flights, except for some possible delays on takeoff.

At Orly, "it is about 20% of preventive flight cancellations, according to what had been announced. There are no delays or queues, "says one at the airport. "There may be additional disturbances, but not until the mid-morning." For its part, easyJet has already canceled 16 flights today from or arriving at Orly airport and advises all passengers to "check the status of their flights regularly." In all, the airlines have so far deleted about one flight in five between today and tomorrow, departing or arriving at Orly short term personal loans.

Eighteen flights have already been canceled at Lyon Saint-Exupery. These flights come from or go to Marseille, Toulouse, Bordeaux, Pau and Metz. At the airport of Biarritz-Anglet-Bayonne "disturbances" were announced, which result in the removal of some flights. It is recommended that travelers contact their airline for more information. resulting in the cancellation of a particular movement in the Basque Country this day of presidential candidate Eva Joly.

The unions called the strike to oppose a plan to restructure air traffic control services in the provinces, which would imply a decline in numbers. Air traffic controllers, agents of the public service, have an obligation to provide minimum services. However, if the strike notice is required, the strikers did not have to declare individually 48 hours in advance, as is the case for railway or recently for pilots and stewards.

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Orly: 20% of flights canceled Monday and Tuesday

April 1, 2012

Passengers departing from or arriving at Orly on Monday and Tuesday next, should inform themselves of their flight before leaving for the airport. The Directorate General of Civil Aviation (DGCA) has announced on Friday it asked airlines to remove 20% of flights for two days, due to a strike call by three unions of air traffic controllers .

"Some disruption may on the whole territory", including at regional airports from Sunday night, also warned a spokesman. Officers will be strikers in provincial airports affected by a reform of work organization. It will also be the case agents Orly or regional centers of control in flight navigation. DGCA says, however, that the Roissy-Charles de Gaulle will not be affected.

DGCA prefers to take precautions while the CGT, CFDT and UNSA Civil Aviation All three filed a notice of strike to oppose a plan to restructure air traffic control services in the provinces. The unions condemn a plan to close "half of approach control service in France with their support services and maintenance, all regional services flight information and part of the aerodrome control."

"Threats to the working conditions"

The departments responsible for security and air traffic control in cities such as Mulhouse, Biarritz, Metz-Nancy are or Beauvais "directly threatened with closure or relocation," suggests the USAC-CGT, which is also concerned that the policy the DGAC make "a serious threat on the working conditions of workers in organizing the under-staffed." The SPAC-CFDT (CFDT union personnel of Civil Aviation) asked management to stop applying "indiscriminately" non-replacement of staff on two retiring (RGPP), made "to back conditions of employment of staff and services. "

For its part, the DGAC justifies its willingness to restructure its services to changing needs, increased European coordination, the RGPP and technology upgrading. Maurice Georges, Director of Air Navigation, told AFP Friday at the will of the DGAC "reorganize air traffic control to improve service and optimize its resources." "It was this type of reorganization for 20 years, just over the water, but now we would have a broader vision to 2020," he said.

After the strike call, "we have implemented the provisions of the minimum service required by the 1984 Act and therefore requisitions," said the Director of Air Navigation. "There will be disturbances, because the minimum service that is not to compel all controllers but only a number based on a good balance between the right to strike and the minimum service required by the law," Maurice George added.

(With agencies)

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