Sundial of world news

The tax increase mutual health has not finished making waves. The plan of the government plans to increase from 3.5% to 7% tax on contracts and supportive health officials said, 95% of the market for complementary health, has been much debated since it was finally adopted by parliament on 8 September.

Last response date, two UMP announced Friday their intention to table an amendment to Bill Financing Social Security (PLFSS) reserves to tax "excessive" for certain health insurance schemes. Their goal: to prevent a sharp rise in contract prices by encouraging individuals to use their mutual financial reserves rather than pass on the increase in the tax on membership fees.

Sébastien Huyghe, MP North, and Valérie Rosso-Debord, Meurthe-et-Moselle, advocated to establish "what could amount to a wealth tax" on the margins of solvency of each other located far beyond the legal limit. "The law requires unions to hold minimum reserves called legal reserves or solvency margins, which now account for 17% of the amount of annual dues. When this level is set aside, it is said that the solvency of the mutual is 100%, "they recall. In their amendments, MEPs are the players that has a line "located beyond 300%", a rate considered sufficient to ensure their development or deal with contingencies.

According Valérie Rosso-Debord, the reserves of each other is "five to six times beyond the level required."These organizations "a way of managing heritage, which is not in the interest of their contributors," lamented the member quoted by Reuters. For his part, Labour Minister, Xavier Bertrand, argued that no insurance company or mutual was in financial difficulties and were "not required to fully pass this increase" on their customers .

"No secret reserves"

These arguments will probably jump Caniard Etienne, the president of the National Federation of French Mutual, which represents 600 health insurance schemes instant credit reports. He said the tax increases will be reflected automatically on membership fees, mutuals have already seen their margins decline in recent years. In this context, it amounts to 3.5% increase "mechanical" contribution for 2012. "It is no secret reserves" into the coffers of these organizations, he assures.A view shared by Gerard Andreck, Chairman of mutual insurance companies (Gema), a trade association. "Maybe there are a number of which are in mutual capacity to absorb this increase, but not the general market," he said after the vote by the parliament of the text .

Yet, according to Le Parisien, the market would not be so tense. Based on the balance sheets and income sector, the paper shows that mutual health organizations are seated on a "gold mine hidden" gigantic. MGEN (Mutual of Education) would be the best endowed. In 2009, its reserves "excessive" reached 1 billion euros, representing a solvency margin of 667%, well above the standards. With reserves of 262 million euros, Malakoff Médéric benefit from a solvency margin of 779%.These financial reserves "would easily (these mutual, Ed) to support the additional tax under the government without making their customers suffer," the paper concludes.

According to a study released Wednesday by UFC-Que Choisir, the French spent 25.4 billion euros in additional contributions to health in 2010, an increase of 16.6% in five years, two times higher than the increase income. And raising taxes will bring to the state 100 million euros in 2011 and $ 1.1 billion in 2012, according to government calculations.

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"Il Cavaliere" did not like to see the note in his country degraded by Standard & Poor's. "The ratings of Standard & Poor's seem more driven by stories in the newspapers as the reality and they seem to have been negatively influenced by political considerations," said Silvio Berlusconi in a statement. The Italian prime minister said that the country has already approved measures to balance its budget in 2013 and Italy in adopting new ones to stimulate growth. The austerity plan of 54.2 billion euros adopted on September 14 does not seem to have convinced the rating agency which doubted the credibility of the government and the Italian president.

Without having published a press release responding directly to the attack of the Italian President, Standard & Poor's is fighting back."The sovereign ratings by S & P ratings are apolitical, based on the evolution of" credit risk, provided to investors, "says one in the U easy to get unsecured personal loans.S. rating agency.

Moody's and soon …

S & P also ensures that its assessment is based on "independent analysis and detailed economic and fiscal outlook in Italy and on assumptions about the expected evolution of the debt.""The ratings indicate how the various policy initiatives may impact on the financial reliability and to hear any suggestions on policies that a government should or should not continue," said the rating agency.

Entangled in new revelations about his private life, Silvio Berlusconi is aware that the decision of S & P is a blow to the country, as Moody's may degrade the note of Italy in October that had never been lowered since the beginning of the debt crisis.

Player Figaro BFM

All Americans should be involved in the effort to reduce the deficit. This is the message sent on Monday by Barack Obama from the White House Rose Garden. The U.S. president, who presented his program of deficit reduction, confirmed a tax plan of 1500 billion to the deficit of 3000 billion over the next ten years. "We can not get out of this abyss only by reducing spending. It is normal that we ask everyone to pay their fair share, "said the president.

In Focus: the wealthiest Americans. Barack Obama chose not to extend beyond the end of 2012, the expiration date, the tax breaks granted to wealthier by the administration of his predecessor, Republican George W. Bush (800 billion dollars and would be recovered over ten years)."We can not afford these tax rates low for the rich. We can not help us while we are suffering large deficits, "he says.

The most significant proposal remains the introduction of a tax, "Buffett," the name of the investor Warren Buffett who has proposed. As expected, Bush did not go into details about the conditions of its applications but according to the New York Times, the tax on millionaires that will concern only 0.3% of taxpayers.

"This is not the class struggle is mathematical"

Responding to criticism from his Republican opponents, who accuse him of wanting to punish those who have succeeded and discourage the "job creators," Barack Obama said that "it is not the class struggle is mathematics ".He said "any reform plan will increase revenues to help reduce our deficit. This must be part of the formula. " Democrat for President, "the middle-class taxpayers should not pay more taxes than millionaires and billionaires. It is loud and clear, and difficult to contradict. I will not support a plan that puts the entire burden of deficit reduction on the shoulders of the average American. "

The project also includes U.S. President down $ 580 billion in mandatory spending on social programs, including Medicare (health insurance for the elderly) and Medicaid (the federal program for the poor).But Barack Obama has warned that he would veto any proposal that would reduce these benefits without requiring an increased effort in return for the wealthiest Americans and big business.

The President was prepared to lower taxes on companies providing launch an overhaul of the tax code to eliminate some tax loopholes, such as offering tax exemptions to businesses through the acquisition of business jets (gain total of 700 billion). It is also banking on an economy 1.1 trillion dollars over ten years because of withdrawals from Afghanistan and Iraq.

Propostion of "not serious"

But the camp of the Republicans who control the House of Representatives, has already expressed his displeasure."Threatening to veto, massively increase taxes to save ghosts and build on a reform of social programs, it is not a recipe for economic growth and labor market," said the leader Senate Republicans, Mitch McConnell. John Boehner, chairman of the House of Representatives, it was found that the contribution of Obama's bipartisan commission was not "serious."

The proposals of the White House must still be forwarded to a bipartisan parliamentary committee which will meet in late November. This means that the bill is unlikely to be adopted in the state.

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"SPECIAL CRISIS: fear of debt

Like its previous meeting, the hectic day ahead of the Paris markets. After opening sharply lower (-1.28%), the CAC 40 is pressed into the green, gaining 0.59% to 2911.87 points. In the morning, Moody's announced degradation by Moody's debt to Societe Generale and Credit Agricole. BNP Paribas, meanwhile, is kept under negative watch by rating agency. The agency kept under review with negative implications the long-term rating and deposits "Aa2". The uncertainty is still required on other European financial centers: the Frankfurt Dax loose 1.13% to 5131.48 points, the Madrid Stock Exchange lost 0.73% to 7777.3 points, the FTSE Milan Mib down 2.19% at 13,571 points, and the London FTSE-100 down 0.31% to 5157.85 points.

"This is a meeting of all the dangers that will open.The news of banks is particularly rich and the market will excuse the slightest spark to plummet again, "said one Paris-based analyst who requested anonymity told AFP. For his part, Christian Noyer judge that the situation of these banks is not likely to deteriorate further.On RTL, the governor of the Banque de France as well as Judge Moody's announcement is "a relatively good news", "French banks maintain an excellent rating and have the same level as the major European banks." It is the even Jean Leonetti: French Minister for European Affairs estimates that French banks are not in danger, considering the speculation responsible for the "excitement" today.

Beijing expected at the turn of the Italian debt

Moreover, markets are awaiting a decision from Beijing to buy-or-no Italian sovereign debt, "China will continue to increase its investments in Europe," said Premier Wen Jiabao, the opening of "Summer Forum" Davos in Dalian (north-east) on Wednesday.But he is hopeful that the leaders of major European countries consider their relationship with courage to China a strategic point of view. "

Another new fueling hopes of a crisis: the five emerging BRIC (Brazil, Russia, India, China, South Africa) should discuss next week the opportunity to help the European Union by increasing their holdings of bonds denominated in euros.

Still on the debt of Athens, the Greek Prime Minister George Papandreou, French President Nicolas Sarkozy and German Chancellor Angela Merkel hold a conference call tonight to find a solution to the crisis. The meeting comes as fears or rumors speak out about the bankruptcy of Greece.After having set fire to the powder Monday citing the possibility of a default in Athens, Germany has tried to calm things down Tuesday by stressing, in the words of Chancellor Angela Merkel, that everything was done to prevent a collapse of Greece.

The euro declined against the dollar

On the macroeconomic front, the figures for industrial production in the euro area are expected. In Britain, unemployment figures for August will also be published.

United States, who saw their deficit increase again this summer, the figures for retail sales and producer prices for August will be announced early afternoon.Like stocks and sales of businesses, as well as the weekly inventory of crude oil guaranteed high risk personal loans.

On the foreign exchange market, the euro was down again this morning against the greenback at 1.3637 dollars, against 1.3682 dollars in New York the day before. The single currency also weakened against the yen at 104.81 yen against 105.19 yen yesterday in New York. The yen was also stable against the dollar at 76.86 yen to the dollar against 76.88 the previous day.

Oil prices were also down Wednesday, as markets always worried about the debt crisis in the eurozone and a possible bankruptcy of Greece, analysts said. In early electronic trading, a barrel of "light sweet crude" for delivery in October lost 71 cents to 89.50 dollars per barrel of Brent North Sea crude for October delivery 9 cents to 111.80 dollars."With the danger hovering over the Greek market, prices are highly volatile, very nervous," said Nick Trevethan, commodities analyst at ANZ Research in Singapore.

Values ​​to follow

• Banking

Following the deterioration of Moody, the banking sector should be particularly under the spotlight for this session, with the front line Societe Generale (-2.09% to 17.52 euros) and Credit Agricole (3.14% to 5.31 euros). Maintained under negative watch, BNP Paribas (-3.64% to 26.98 euros) also said Tuesday it had asked the AMF to open an investigation after information on the liquidity of the bank published in the Wall Street Journal.In addition, BNP Paribas will reduce the size of its balance sheet of about 10% by the end of 2012 and expects to achieve a capital adequacy ratio of 9% under the new banking regulations of Basel III soon 1 January 2013, the French bank said in a presentation document. Societe Generale and Credit Agricole.

• Areva (-1.90% to 20.60 euros)

EDF prepares to place an order for more than one billion euros in the nuclear group Areva for the purchase of 32 steam generators, Le Figaro said on Wednesday.The choice of Areva will be endorsed on Sept. 28 by the Board of Directors of the electrician needs to change 32 of its 44 steam generators in its power to 1300 MW.

• Renault (-0.14% to 24.81 euros)

The manufacturer wants to improve its stock market value and change the structure of the alliance with Nissan is not the main lever to get there, told Reuters the CEO of Renault, Carlos Ghosn, the car show in Frankfurt. He also said the group looked for ways to adjust the structure of the Renault-Nissan.

• Vinci (0.47% to 31.81 euros)

The group won a contract worth 108 million euros for the construction of systems of wastewater treatment in the Dominican Republic.

• CNP Assurances (0.44% to 10.29 euros)

The Standard & Poor's said Tuesday night that confirmed the rating of "AA-" from the French insurer.

• Club Med (2.66% to 12.15 euros)

The leisure group has published on Wednesday sales down slightly in the third quarter, its activity has been particularly impacted on travel to Morocco, Tunisia and Egypt, against the backdrop of geopolitical turmoil. Turnover fell by 1.9% in third quarter (-0.3% at constant currency) to 323 million euros.

New tough session in Paris. After opening close to balance (-0.11%), ACC widened its losses in the afternoon, in response to the speech from Fed chairman Ben Bernanke. The index rose from 3045 to 3015 points in minutes. But investors quickly resumed: a comprehensive plan was not finally ends probable.Le CAC down 1% to 3087.64 points.

Earlier, the index feature of the Paris market was disappointing not welcome the publication of the second estimate of U.S. GDP in the second quarter. It rose 1% annual rate over the previous three months, said the Commerce Department, revising and down 0.3 points his first estimate of growth in the spring published in late July.Analysts had forecast a less pronounced rate revision, to 1.1%, according to their median forecast.

In Frankfurt, the Dax-30, very bumpy this week limit case and ends with a drop of 0.84% ​​to 5584.14 points after losing more than 3% in séance.À the London Stock Exchange, the FTSE- 100 finished virtually unchanged: it loses 0.02% to 5129.92 points.

Over the whole week, the ACC is, however, more than 2%, reversing some of its heavy losses last week.

Fed pushes to place an ad in September

Highly anticipated speech of the President of the U.S. central bank, Ben Bernanke does not reassure investors. In fact, Ben Bernanke has pushed the September announcement of concrete measures to support the U.S. economy. The central bank is expected to meet more fully next month, he indicated, to "discuss more fully" in the policy.Ben Bernanke also called on U.S. lawmakers to take fiscal stimulus, saying they have more flexibility than the institution.

As for currencies, the euro lost some ground against the dollar after the speech of Ben Bernanke. Around 16:30, the European currency was worth 1.4359 dollars against 1.4441 to 15 hours. As for the oil markets, a barrel of Brent North Sea crude for October delivery was trading at 110.72 dollars on the Intercontinental Exchange (ICE) in London, up 10 cents while the New York Mercantile Exchange, a barrel of "light sweet crude" (WTI) for the same maturity lost 25 cents to 85.05 dollars.

In the euro area, regardless of major macroeconomic news.This morning, the companies manufacturing have revised their forecasts down slightly investment for this year and expect a 14% increase (against 15% previously) online payday loan lenders.

The bank's head Cac 40, Peugeot sinks

Essilor International: -0.30% to 52.97 euros

Essilor International in the first semester a turnover of 2.06 billion euros, up 6.9%, the band announced via a press release issued in the edition of Les Echos to appear Friday.

Financials

The ban on short selling financial stocks on Thursday was extended to France, like Italy, Spain and Belgium, and the Financial Markets Authority (AMF) said it would review its position by late September.

This decision only briefly managed to reassure investors.If this decision technique to limit selling pressure on the sector, it does not address the fears that persist on European banks and their exposure to countries in need. After posting the largest gains of the Paris stock in early trading, financial stocks are once again very attacked: Societe Generale lost 2.82% to 21.33 euros, BNP Paribas was down 2.33% at 33, 56 euros, Credit Agricole down 1.41% to 6.419 euros while Natixis closed the show the worst performance (-4.51% to 2.686 euros).

In an interview with Le Figaro, the CEO of Crédit Agricole (-1.41% to 6.419 euros) said the group had "significant cash reserves" and "has no difficulty in financing" .

Conversely, other cyclical stocks, car manufacturers, will gradually take after opening the largest declines in the Paris stock exchange.Peugeot (-0.62% to 19.36 euros) which bought between 12 and 22 August last, about 2% of its capital amounting to 92,010,000 euros, folds to 2.03 %, to 19.01 euros. Renault wins its 0.46% to 26.32 euros.

Total: -0.73% to 32.5 euros

Total expected to present a reorganization in the fall of scale of its operations downstream, with a planned merger of its refining and petrochemicals, according to Les Echos, citing union sources.

As for oil, prices were mixed Friday morning during electronic trading in Asia, in a sluggish market, before the highly anticipated speech of the head of the U.S. central bank (Fed).In morning trading, a barrel of "light sweet crude" for delivery in October gave 10 cents to 85.20 dollars per barrel of Brent North Sea crude for October delivery took 19 cents to 110.81 dollars.

Note that APRR and Bel Cheese (1.24%, to 163 euros) will publish their interim results after market close.

Markets hardly reacted to the worsening debt rating by Moody's of Japan, announced on Wednesday. The rating agencies had indeed placed the debt rating under surveillance Japanese shortly after the disaster and the nuclear accident at the plant in Fukushima, in March. Which amounted to prevent a possible future market deterioration in sovereign debt rating of the country. Moody's has been the first to realize the threat, reducing the note to the next level of long-term debt of Japan, due to the massive debt the country.

Moody's said that Japanese debt is nearly double its gross domestic product (GDP) and it increases every year due to the issuance of treasury bills to cover the revenue well below costs, especially since the 2008 economic crisis."Several factors make it difficult to reduce the proportion of debt vis-à-vis the GDP, thus lowering the note," the statement said the rating agency.

Japan is therefore now been rated Aa3, which is the lowest level of debt deemed the most creditworthy. Further deterioration would tip the Japanese debt rating in the "average". However, a further reduction is not currently envisaged by Moody's. The agency says in fact that it maintains a stable outlook on the rating of Japan, given the preference of Japanese investors for the national treasury. Japanese debt is held mainly by Japanese, the country manages to partially finance the budget deficits at low rates, despite its significant debt.Arnaud Raymond, president of Capital Eleanor, recalls that, unlike Greece, whose debt is held more than 50% by foreign countries, Japan's is 98% owned by institutions or individuals Japan .

Political instability

Political instability is another reason that prompted Moody's to lower the debt rating of the country of the Rising Sun. For Moody's, frequent changes in leadership over the past five years have prevented the government to implement economic reforms and tax effective and long term. Fukushima and disaster has magnified the problem, according to Moody's fast payday loan. "The disaster delayed the recovery from the global recession of 2009 and deflation worsened.The economic growth prospects are low, making it difficult for the government to achieve the goals of deficit reduction and to launch a major reform of the tax system and social benefits, "says the agency.

The downgrade should prompt the Japanese government to put its finances and undertake tax reform, including through increased taxes. The decision by Moody's reduces the debt rating one notch lower than Japan over the note of agecnes competitors. However, Standard & Poor's and Fitch, giving it an "AA", threatened to worsen the country to the next level soon, because of its economic fragility.

No surprise for analysts

Hours after the publication of news on the downgrade of debt, Moody's also announced a cut of the degradation of the note of most Japanese banks, including Mizuho Corporate Bank, Bank of Tokyo-Mitsubishi UFJ and Sumitomo Mitsui Banking. "Despite the government's willingness to continue to support the banking system, there is an increasing risk of decline in its ability to provide this support," said Moody's.

The decision by Moody's has not had any significant effect on the yen against the dollar. The course of the dollar has remained stable over the threshold of 76.50 yen. As for the Nikkei index, was down 1.07% at closing, leaded mainly by the decline in Japanese bank stocks.Unlike the stock market panic that had spread to all financial markets after the announcement by another rating agency, Standard & Poor's, the deterioration of the U.S. debt rating, announced that Moody's had on Japan circoncrit effect to the Tokyo Stock Exchange.

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"The world as seen by the rating agencies

The U.S. stock markets may well wake up so brutally that they fell asleep. Shortly before their opening on Tuesday, the markets were indeed approached up slightly after the day gleaned 0.34% for the Dow and 0.15% for the Nasdaq. The index futures Standard & Poor's 500 and Nasdaq 100 rose by 1.66% to 1141.90 points and 2076.50 points to 1.50%. The Dow Jones was waiting for his part in an initial advance of 1.41% to 11,000 points.

New home sales for the month of July in the United States are known to 16 hours. They are expected at 310,000 according to a consensus of analysts against 312,000 previously. This will be the only macroeconomic indicator on the agenda Tuesday.If others will be announced in the coming days, investor caution, but market volatility, however, should remain in force throughout the week until Friday.

That day, in fact, speak the chairman of the Federal Reserve, Ben Bernanke. Speculation is rife, some still hoping that it will decide a third monetary easing to support the U.S. economy. Will also be unveiled for the second estimate of U.S. GDP for the second quarter.

Banks and investment funds turbulent agitated

As for values, it will be interesting to see if the securities of the banking sector managed to recover. The meeting this Monday night has been very rough in New York, the indices have again been a roller coaster free 3-in-1 credit report.If technology stocks have bounced back, supported by investors looking for bargains, banks have suffered greatly, however. These are the titles of the financial sector that weighed most heavily on the DJIA. Bank of America has yielded 7.9% on rumors of capital increases.

News is expanded on the side of investment funds. The investment fund Cerberus and its partner Chatham Lodging Trust and have informed the United States real estate company Innkeepers Trust (Marriott franchise) they did not buy the walls of 64 of its hotels in the United States. The transaction, amounting to $ 1.1 billion, was announced in May.

The investment fund Jana Partners in New York and the pension fund Ontario Teachers Pension Plan, shareholders of the publisher McGraw-Hill, for their part, state recommend a separation of the group.The two investors, who had announced in early August have acquired a total of 5.2% of the capital, advocated in a paper presented to the authority of the U.S. equity markets (SEC) that the group split its divisions Education, Information and Media and stock index Standard & Poor's.

Finally, on the front of mergers over the world stock markets, the Committee on Foreign Investment in the United States (CFIUS) approved on Tuesday the merger of NYSE Euronext and Deutsche Börse, which should give birth to the first exchange operator world.

Today, Genevieve Lethu almost a pioneer. It's been almost ten years since the specialist tableware decided to repatriate most of its production in France. The group did not wait for the rising costs of transportation and wage inflation that affects a part of Asia to relocate its production in France and Europe. While 40% are still manufactured in Southeast Asia in 2002, this proportion has now dropped to 9%. Aim of the operation to improve the quality of its products.

According to Edmond Kassapian CEO Genevieve Lethu and origin of this strategy, the manufacturing conditions in emerging markets were no longer satisfactory. "We see a lot of flaws too: for example, the colors were sometimes not good.Moreover, China does not always meet the hygiene standards required by the manufacture of kitchen utensils, "said he. Three or four people were paid full-time, just for the after sales service. Manufacturing defects that the company, positioned on a medium-high-end, could not pass up. With a significant portion of its customers for export, being a French brand was not selling enough. "Our customers are demanding products made in France, not South-East Asia," said Edmond Kassapian.

Especially these failures were added to other problems. "Our own suppliers copied our collections to sell at lower prices," recalls the CEO. Occur in Asia also means longer production lead times, which complicate inventory management.In addition to transport by ship, which takes about two months, the status of "world factory" in China in some areas it is a work organization to lean. In this context, start or restart a production cycle requires a waiting period of up to six to eight months.

Model difficult to transpose

By bringing back most of its production in France, Geveniève Lethu won as responsiveness and quality. But this shedding was not built without problems. "Finding plants in France and Europe that can ensure our production has not been an easy task. Invest in tools, machinery was necessary. The repatriation was ultimately effective only from 2004-2005, "said Edmond Kassapian.Despite the cost of transportation and the "huge mess" deplored by the specialist tableware of its products made in China, produced in France is generally two to three times more expensive.

Why the model Genevieve Lethu is not easily transferable. "Some activities simply can not be relocated. Products requiring significant labor to manufacture or those who stand out from the competition will cost products in Asian countries. Our relocation was only possible because we are positioning ourselves in the middle and high end because the argument made in France for us was a selling point, "Edmond analysis Kassapian.

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Here are the planned changes on 1 July 2011.

• Retirement

The law on pension reform, enacted November 10, 2010 after a long parliamentary battle will come into effect on Friday. The legal age will gradually increase from 60 to 62, with four more months per year. The first people affected are those born after 1 July 1951.The age of the full rate – that is to say that from which an employee receives a full pension even though he has not contributed enough quarter (165 quarters forward) – is raised gradually from 65 to 67 between 2016 to 2023.

By persons possessing a degree of permanent disability of at least 20% and, after notice of a multidisciplinary committee, those possessing a degree of permanent disability between 10 and 20% are still able to go to 60 years.

• SMIC

The minimum wage was last adjusted on 1 January will not be automatically upgraded in July. The rise in prices which reached 2% since last revaluation of the minimum wage – could lead to an increase in August the minimum wage indexed to inflation.Prime Minister François Fillon has also been clarified that no additional boost would be granted.

• Unemployment benefits

Unemployment benefits will be revalued by 1.5% from 1 July, decided Thursday Unédic or at a rate lower price developments and the minimum wage increase of 1.6% occurred at the beginning of years. "The debate was very long to the Board of UNEDIC" consisting of representatives of employers and employee organizations, which manage all unemployment insurance, said the president of UNEDIC, Gaby Bonnand at a press conference.

• Transport

– SNCF: the prices of train tickets will increase by an average of 2.5%. This increase will, as every year, uneven tickets. It will range from 10 cents to 2.70 euros by destination.The price discount cards remains unchanged.

– RATP Navigo Pass packages will increase by 2.7%, except for Zone 5. Zone 6 is removed and merged with the 5, which will mechanically decrease by 11% the price paid by its users, reduced from 123.60 to 109.90 euros for a monthly fee. In detail: the monthly zone 1 and 2 increased from 60.40 euros to 62 euros (+2.6%). That of zones 1 to 3 passes to 80.30 euros (+2.7%), and that of zones 1 to 4 to 98.10 euros (+2.7%). The single ticket remains unchanged at 1.70 euro.

The bus fare increases to 1.90 euro (+5.5%), while the book of 10 tickets will increase to 12.5 euros (+4.2%).

• Energy

– Electricity: Household bill increases of 2.9%.The industries and large companies take 4.4 to 4.9% according to the rate at which they are submitted.

– Gas: gas rates for individuals do not change, but those businesses increased by 3.2%.

• E

La Poste has announced that the price of postage for mailings of letters under 20 grams would rise by two cents, from 0.58 to 0.60 cents.

• Mobile Phone

The price of mobile communications passed from another European country down. It will now cost 42 cents per minute against 47 before. Subscribers operators in metropolitan departments and overseas subscribers Dom operators in mainland France also benefit from lower rates.

• Environment

A thousand everyday products will be subject to an experimental display decided at the Grenelle Environment Forum.Packaging will be accompanied by a statement indicating their carbon footprint and their impact on biodiversity, water, etc..

• Bank

A summary of bank charges (basket of services, payment systems, operational occurrences, agios) will now be on the monthly bank statements, which also display the ceiling of the overdraft.

• Pets

The electronic chip designed to identify the pet becomes mandatory for all animals that will travel outside French territory.

(With agencies)

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The director of Medicare does not hide its intention, revealing new figures on excess fees, weigh on the negotiations with private doctors, which should lead to early summer. "The system just drift since its inception 30 years ago, Frederick van Roekeghem regrets. We want to sound the alarm on the need to implement structural reforms. "

Overruns (these are requested beyond the "tariff Safely" legally by doctors of "Sector 2 but poorly repaid by certain complementary health) accounted last year for 2.5 billion euros, on a total of 20.9 billion euros in fees. A proportion is similar in style singled out by the Inspectorate of Social Affairs in 2004, which argued that while a "significant increase" during the previous decade.But behind this "apparent stability", says Fred van Roekeghem lies a greater concentration.

In 1990, 16% of physicians "family" could charge excess fees. Since then, the degree requirements were introduced which prevent virtually any plant of the generalist sector 2, and only 7% of workforce is concerned. The proportion of specialists in Area 2, with her stable for the past twenty years (41% in 2010). But if she fell for clinical specialties (pediatricians, dermatologists, gastroenterologists between 32% and 40%), it flies in the operating room: 34% against 28% for anesthesiologists, 85% against 73% for surgeons.And in all these areas, the sector will expand in the next two years as junior doctors settle overwhelmingly.

Physicians increasingly "greedy"

In addition, doctors applying overruns are becoming more "gourmet" on the amounts required: 54% of the "Safely rate, on average, against 25% in 1990. Note that Medicare confirms the intuition of the French Mutuality: 4.5% of public hospital doctors allowed to perform – for 20% of their working time to the maximum – a professional activity in area 2 practice overruns higher than their liberal counterparts "pure." Supplements such resources reach 81% in surgery, against 56% in the private sector, 80% against 48% in ENT, ophthalmology, or 96%, 60% cons.

Overtaking both more frequent and higher are concentrated in certain areas – with high purchasing power – like Paris and West of the Ile-de-France, Rhône, Alsace and the Coast d'Azur.

A problem of access to care

Nevertheless. "The phenomenon empire, says Frederick van Roekeghem. It poses a problem of access to care. " The boss of Medicare does not refute the argument of doctors (surgeons in particular): they are using the overruns is that the social security system pays too little certain acts, given their cost, their difficulty, duration, or the risk that affects the amount of insurance premiums. It's good to help doctors make more money without costing too much to Medicare that the sector 2 was created in 1980 by Raymond Barre.And it's not a coincidence that the least among specialists in Sector 2 are installed cardiologists (20%) and radiologists (13%), considered very good living by simply make rates Safely.

Frederick van Roekeghem says ready to act on the question to finally allow the entry into force of the solution advocated since 2004: the "optional sector. This would be for anesthesiologists, surgeons and obstetricians Area 2 volunteers to achieve at least 30% of their actions and costs Safely, do not charge for overruns over 50% on the rest of their activity, complementary health s 'committing their part to repay the money. "This discussion will reopen. I think it's the last time, "warns the director of Medicare.

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