Revenue for your financial savings are, for the majority of them, the statement pre-printed or digital version (item 2 on page 3 of form 2042). Check the amounts pre-printed with statements No. 2561 ter sent by the institutions that you have paid the income (banks, insurance companies …). By totaling the amounts of all readings for each income category, you have to find the same amounts as those pre-printed. Otherwise, fix them in the white boxes of the statement pre-printed or online if you meet your obligations via the Internet.

Attention capital income of your minor children or adults attached to your tax home were not included on the pre-printed statement. Add them to your household income.

We present below the points on which you must pay particular attention this year.

Dividends

If you have not opted for the withholding tax, your total dividend to be paid 2DC box. Are primarily concerned, the shares held off PEA and mutual funds invested in equities. The amount reported is a gross amount. Do not deduct child care expenses, or social taxes paid on that income. Only prospective collection costs may be deducted from the amount shown 2DC box on page 3. Such income is taxed after applying a 40% deduction and a deduction of € 1,525 (single) or € 3050 (couple). Do not deduct the tax deductions. They will be applied automatically by the IRS.

The products of life insurance contracts

Products relating to withdrawals from contracts of at least 8 years are charged after application of a tax year of 4600 € (single) or € 9200 (couple), that you have decided whether to levy (PFL ) for these products. You do not have to hide this reduction of your taxable earnings. The administration will do. If there is no option for the PFL, the products must be included 2CH box. If you opted for the withholding, these products are brought 2DH box on a gross (before application of the levy).

For contracts of less than 8 years, the products are subject to the schedule of income tax or, alternatively, the PFL 35% (contracts of less than 4 years) or 15% (range of service contracts between 4 and 8). They must be declared 2EE online if they have undergone the PFL, online or otherwise 2CT. Caution, if you sign a paper return, you must attach to your return No. 2042 No. 2561 printed ter.

Income from real estate companies

If you have received, in 2011, income from exempt profits of a publicly traded real estate investment company (SIIC) or a company in real estate investment company with variable capital (SPPICAV), you must make corrections to the amounts preprinted on your return. These corrections are necessary whether you choose or not to the standard deduction in respect of that income. Refer to our 23 and 24 of the instruction I-5 4-12 21 March 2012 (available on www.impots.gouv.fr), where the corrections to be made are detailed.

Deductible expenses

You can deduct from your income from shares or bonds or income related child care expenses (but not the fees of a portfolio manager). These costs are shown on the statements ter 2561. Attention, the amount of these fees is not preprinted by the tax on the return. Yours to See box CA.Les costs of exempt income (child care expenses on a set of actions PEA) or products subject to withholding tax is not deductible.

In practice, you do not have to calculate the deductible portion of child care expenses you have incurred, the IRS will. In other words, you can wear to box the total turnover of your child care costs.

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Those who want to buy an apartment in Fort Issy-les-Moulineaux, just outside Paris, have an incentive to hurry. Of the 1600 units under construction, only a few dozen have not yet been sold. The first occupants will move in March 2013 in this brand new neighborhood. The end of a very long history. "The first contacts with the Ministry of Defence, owner of the fort, took place in 1997, says Christophe Provot, deputy mayor of Issy-les-Moulineaux, delegate to urban planning. And the sale did not occur until 2010! "

Several causes for these delays in extension. First the different administrations (Ministry of Budget, Ministry of Defence, France Fields …) could not agree on the price of 12 ha. Then, the state and the municipality have long passed the buck who would pay for the removal of 3,000 shells dispatched on that land.

Finally, the state sold the land to the town 60 million, taking charge of the 7.6 million related to site cleanup. The city has invested $ 60 million in additional public facilities (creche, library) and sold the land to developers (Kaufman & Broad, Bouygues …) that offered the highest price.

Result, these apartments are quite expensive: 6500 euros per m² on average. "To have more affordable prices, would have required the State to make efforts and not sell his land at market rate, estimated Loiseleur Raymond, chairman of the SEM (Society of Issy mixed economy. He made another choice. "

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A chaotic situation in the euro area, decorated with the prospect of a presidential election in France: the cocktail did not much attractive for foreign investors in 2011. In this context, the attractiveness of the Hexagon folded but did not break. The country remained in second place in Europe for the number of foreign investments in 2011, behind the United Kingdom. According to the annual balance sheet submitted by the French Agency for International Investment (AFII), France last year attracted 698 new foreign investment projects that create jobs. If Bercy wants to see "the second best result since more than ten years," it is nevertheless a figure down from the previous year, while the Hexagon had attracted 782 investment. In 2011, investments were divided between extensions of existing settlements (46% of total) and creative (46%). Other projects include the purchase of ailing companies or acquisitions. As usual, many of the investments (60% in 2011) is of European origin. Companies from North America account for 25% of the total-the United States last year have again become the first country-investor in France, and those in Asia for 11%. The emerging countries of taking off no teletrek payday advance.

Some 27,958 new jobs resulted from foreign investment. This figure, down 12% compared to 2010, confirms a basic trend: the size of investment projects knows "a steady decline for several years." The average number of jobs created or maintained by the project was 60 in 2006, 55 in 2007, 50 in 2008, 47 in 2009, 41 in 2010 and 40 in 2010. The Afii explains one side by the proliferation of projects with high added value, which by definition have less need for labor; another, it recognizes "the caution of some investors, which reduce the initial ambition of their projects in an economic recovery remains fragile, "says Afii. "The crisis in the eurozone could cause some wait, which is being squandered. It would also be a lie to say that the electoral event is not regarded in the world, "said Minister of Economy, Baroin.

The challenge for France is important: foreign companies employ more than two million employees in our country, realizing 20% ​​of R & D and entrepreneurship are the source of more than a third of French exports.

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On the eve of the highly anticipated presentation of Indian budget, the finance minister did not hide his concern. The growth of Indian giant is slowing. Up 6.7% over the 2011-2012 fiscal year, GDP growth is at its lowest since 2008, is concerned the Department in its annual economic report, released yesterday. The first sentence of the document shall, in this regard, eloquently: "For the Indian economy, it was a disappointing year in terms of growth," notes the report.

Pranab Mukherjee, Finance Minister, still displays a target double-digit growth over the medium term, but now the account is not there. The usual engine of Indian growth, domestic consumption and exports are down.

This year, the Indian authorities point the finger above the weakness of the trade balance. In fiscal year 2011-2012 (April-December), the deficit exceeds $ 130 billion, against $ 96 billion a year earlier.

This degradation of India's foreign trade partly explains the depreciation of Indian currency, the rupee against the dollar. However, the Government's report points out several reasons for hope. The export markets are diversified. A good thing, while services have suffered cruelly from the European crisis. India, which depends on the Old Continent for 20% of its total exports, should relax its export conditions, the report notes. A beacon of hope for Brussels, while negotiations on a Free Trade Agreement with the EU stumble on such a reluctance to open their Indian service sector.

Conservative

For Gaurav, an economist at a major bank in India, the government report is "a powerful indicator of what has been done" but "it is very conservative at the project level, and new ideas are struggling to implement, as the recently seen for reforms affecting foreign investment in retail, which were abandoned instant credit report. "

The Government welcomes especially the effectiveness of measures taken against runaway inflation affecting the country for several years. In January 2012, higher food amounts to 6.55% while it was close to 9% for ten months. This decline in inflation is not considered sufficient by the strong central bank to ease monetary policy. After raising thirteen times its interest rates between March 2010 and October 2011, the central bank chooses the monetary status quo since December 2011, to the chagrin of the business community.

Thursday, the central bank still has disappointed investors by leaving rates unchanged at 8.5% on the grounds that the "potential risk of inflation had increased due to the recent rise in crude prices, the budget deficit is widening and the depreciation of the rupee. "

The employers immediately expressed his displeasure, saying the decision "against-productive" for the economy. "The industry needs strong signals of relaxation to help the recovery of investments," said the Confederation of Indian Industry. The central bank has promised that "future actions will go towards a rate cut."

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The hands of talented British singer and songwriter Eric Clapton, nicknamed "God" (God), she plays alone, the ultimate sound of blues and rock'n'roll. Renowned for its crystal clear sound, the American brand of Fender guitars now also shine on the market scene on Wall Street.

Founded in 1946 by Leo Fender, the legendary American manufacturer of electric guitars, acoustic amplifiers and a record filed Thursday with the Securities and Exchange Commission (SEC) to enter "as soon as possible" on the Nasdaq. The date of the introduction, the number of shares offered and their prices have not yet been disclosed.

The company, which will appear on the Stock Exchange under the symbol "FNDR", hopes to raise up to $ 200 million. The inventor of the Stratocaster, the icon of the electric guitar and one of the most popular models in the world, with "use about $ 100 million of revenue raised through this IPO" to repay a portion of its debts, whose amount is close $ 250 million. "In 2011 we were number one in terms of market share in the U.S. in the field of electric guitars, acoustic, and bass amplifiers and electric guitars and basses," the company said.

Fender Musical Instruments Corporation, owned by the Weston Presidio investment fund, has made 700.6 million dollars in sales in 2011 to a net profit of 19 million. Some 45% of its sales generated outside the U.S., mainly on the European market.

Also Eric Clapton, Fender has among its faithful ambassadors Keith Richards, Mark Knopfler, David Gilmour, Jeff Beck, Bruce Springsteen or Jimi Hendrix in 1967 who sacrificed his Stratocaster on stage in setting them on fire before smashing against the ground guaranteed approval cash loans.

The inventor of the Stratocaster and Telecaster, Leo Fender, a creative force unmatched, gave his company to CBS in 1965. Fender grew considerably in the years that followed, before passing through an air hole associated with a lower quality instruments. In the 1980s, CBS will sell all its non-media related. A group of employees and investors led by William Schultz and his family and buy Fender to CBS in 1985.

Started from scratch

The new company had to start from scratch, including the sale or factory or machine. The emblem of the American guitar succeeds, however, his recovery, extending its grip on trademarks Guild, Gretsch, Jackson and Charvel excluding professional sound equipment. In 2008, Fender acquired Kaman Music Corporation (KMC), the largest U.S. independent distributor of musical instruments.

Based in Scottsdale, Arizona, with a production facility in Corona, California, Fender has continued to cross swords with Gibson, another giant of the electric guitar that Jimmy Page, Led Zeppelin, is one of the greatest followers. His fetish model, the Les Paul, was designed in the early 1950s. At its heavier and fatter than her rival Stratocaster, the Gibson Les Paul ignites always also rock the world stage.

In Frankfurt as in Hollywood, blockbusters at the box office still have a following. With its new Governor Mario Draghi at the wand, the European Central Bank (ECB) had a box in rooms (market) on December 21, proposing to banks in the euro area loans to three years paid at the rate of favorable 1%: some 523 banks had then drew 489 billion euros to the general treasurer. The central bank on Wednesday repeated with a second offer of funding under the same conditions.

As in December, the operation on tap the ECB had passed almost unnoticed, as this new album monopolizes attention. Meanwhile, in effect, operators have discovered the virtues of this infusion of cash, which "played a crucial stabilizing effect on financial markets in the euro area," said the rating agency Fitch.

How? By reversing the downward spiral that led states and banks in the southern countries of Europe towards the precipice. In addition to the invoice Greek tensions on sovereign debt Italy and Spain have indeed weakened the banks of these countries throughout 2011, boomerang-feeding fears about these states, leaving the specter of a rescue banking. The risk that France has to support its banking system has also weighed in the loss of AAA inflicted mid-January by the rating agency Standard & Poor's.

By flooding the banking system liquidity in the medium term, the ECB has caused a twofold benefit: one, the risk of going off the road an Italian or Spanish bank has moved away and two, these institutions are now able to support States by buying their sovereign debt. Hence the almost universal relief: relaxation rates on sovereign debt Italian or Spanish, rising stock markets, banks' resumption of emission payday advance… No wonder investors want more. How many banks ask they this time? Estimates vary between 200 billion and 1000 billion. With the idea that the higher the amount, the higher the markets will appreciate, because these are all new cash should get involved.

Virility contest

This vision reflects the optimism that blows from the beginning of the year. Not long ago, a massive use of banks to the ECB could have been perceived as a sign of weakness. Joseph Ackermann, head of Deutsche Bank, had also launched the controversy earlier this month stating that he had not presented to the Frankfurt office, wanting to avoid wearing the marks of a "subsidy". Mario Draghi had then replied that it was not "a contest of manhood." For his part, Stuart Gulliver, head of the rich British HSBC, said Monday that he had participated in "solidarity with the euro area". This positive attitude could help widen the circle. According to Oddo Asset Management, the euro zone banks must repay 813 billion worth of loans between 2012 and 2013, of which 270 billion solely for the German banks that had shunned the first wave.

Ultimately, the success of the program seems indisputable Draghi markets. This was an essential prerequisite to avoid chaos. The question is how these banks will inject money into the economy.

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Hocus-pocus, coup, betrayal … and Socialist Trade Unions slam in chorus the vote "on the sly," Jan. 31 in the Assembly, a provision that amends the labor law. Section 40 of the bill Warsmann simplification of the law provides that "the establishment of a distribution of hours over a period longer than the week and not more than the year under a collective agreement is not a change in the employment contract. "It aims to extend a 2008 law which allows to modulate the working time per company agreement but requires the approval of each employee. A condition that prevents any modulation in practice.

Alain Vidal, in charge of employment in the Holland team, justified his opposition to this change: "A new organization of work may be incompatible with the family and personal life of each employee." ……. .

"The employee will have no choice but to accept the blackmail against new employment zones and / or pay cut, otherwise the dismissal without recourse," says Bernard Thibault (CGT).

But above all, Jean-Claude Mailly (FO) sees a "gap" to develop competitive employment agreements, while Francois Fillon has given two months to the social partners to negotiate on this idea. "This is a first step in the government's willingness to allow the employer to lower both working time and remuneration without the explicit agreement of the employee," he feared. "It is contradictory that Parliament legislates on an element of negotiation to be open, except to reduce the usefulness of this negotiation," abounds Francois Chereque (CFDT).

Short memory

"This provision only relates to working time arrangements and not contrary to the logic of competitiveness, employment agreements, to the articulation agreement in the same working time, work organization and remuneration", they responded by Xavier Bertrand wrote. The Minister sees no "interference with the negotiation," which starts Friday.

Unions are also far from having discovered this provision on January 31. It had been passed in the same terms, at first reading, the … October 18. So, before Nicolas Sarkozy calls for competitive employment agreements. And social partners had been consulted on the text in September by the Ministry of Labour! The CGT had cried foul but the CFDT held that section would "in the right direction." As for the PS, he had voted in the late 1990s, laws in 35 hours, a provision that an agreement down-modulating working time would be required for each employee.

"No organization has raised the subject during the preparatory meetings at the Social Summit, nor subsequent discussions on competitiveness employment agreements," says Xavier Bertrand. "We had forgotten," says a trade unionist. The text should be considered on second reading in the Senate next Monday, and then finally adopted by the deputies on Feb. 29.

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Aircraft on the planet, the battle between commercial Airbus Boeing often obscures another fight just as fiercely, that of the engine, without which the new aircraft more fuel efficient and quieter, could not have been launched.

This is the case of Airbus A320 and Boeing 737 NEO MAX remotorisées versions of the two best-selling Europe and America, or the Chinese Comac C 919 and Bombardier CSeries of Canada on medium-haul market.

Rolls-Royce, the world of civilian reactors, did not take the train re-engined aircraft that are selling like hotcakes, however due to their promise to make gains in fuel consumption by 15% on average.

This battery is able to prevent contagion of the crisis, while fears now focus on Italy.And even if the prime minister, Silvio Berlusconi, seems to have succeeded in extremis to persuade its ally the Northern League to accept a pension reform demanded by its European partners in exchange for their solidarity. Thus, the Heads of State and Government of the euro area may call Wednesday the European Central Bank (ECB) to continue its purchases of bonds to support Italy and Spain, according to a draft of their summit conclusions which Germany said, however, disagree for now.

Oil prices down

In fact, German Chancellor Angela Merkel for now ensures that no scenario involving the European Central Bank (ECB) to strengthen the rescue mechanism, the European Stability is the agenda of the summit Payday advance.

On the macroeconomic front, the durable goods orders will be published early in the afternoon.Follow the new home sales in September and weekly crude oil stocks.

As for commodities, oil prices are falling: a barrel of "light sweet crude" for December delivery ceded 0.61% to 92.60 dollars. For its part, the euro appears to balance against the U.S. dollar, rising 0.08% to 1.3921 dollars.

Values ​​to follow:

• Lockheed Martin has seen its profits grow by 25% in the third quarter to $ 700 million. The group also raised its targets for 2011.

• Ford: U.S. carmaker Ford on Wednesday released a profit for the third quarter down 2% but slightly above expectations, together with a turnover up 14%. The Group posted a profit of $ 1.65 billion.Based on the number of shares and excluding exceptional items, it amounted to 46 cents a share, where analysts had forecast 45 cents.

• Boeing released on Wednesday a net profit up 31% to $ 1.1 billion for the third quarter, exceeding expectations, but it has revised down its forecast for commercial deliveries for the year.

• ConocoPhillips is required to publish at the beginning of the afternoon's results for the third quarter.

Public expectations for the beautiful game

Bingo. More than blueberries (or hopes), the girls create the surprise sport in 2009 and 2010 during the qualifying matches in the Women's World Cup 2011. Helping performance, each game attracts between 300,000 and 400,000 viewers on TNT channel, reaching over 700,000 fans August 25, 2009, for the first prime-time (France / Serbia).

Rebelote in 2011. Building on this success for the Hearing, Direct 8 means in effect in 2010 with Eurosport, a subsidiary of TF1, the rights of the Women's World Cup 2011, acquired at the same time as the Men's World Cup 2010. Coproducts and codiffusés by both channels, games are a success hearings.Especially since the disappointment surrounding the men's team at the World Cup in South Africa in 2010 frustrated football fans. "After the episode of Knysna, there was a latent expectation of the French for the beautiful game and a fighting team, Fabrice Lorvo analysis, a sports marketing specialist at FTPA. The public was ready to ignite their national team. The spark, it is the girls who brought them. "

To date, the semi-final France / USA Women's World Cup represents the historical record of the chain … and all channels TNT (2.43 million viewers, 17.4% audience share). Normally, the average audience of Direct 8 between 2 and 2.5% market share. Since then, the magic continues.Since the start of the qualifying matches for Euro 2013 Blue to seduce between 720,000 and 940,000 fans.

The appetite of the major broadcasters would raise prices

Given this popularity, the chain does not stop there, and is now attacking the European and national. "If a French club in 2012 reached the final of the Champions League Women, we might be candidates to UEFA to broadcast the match," said Thierry Cheleman. Last year, the epic European Lyonnaises, who had won the competition against Potsdam, had already resulted in an audience of 1.2 million viewers (4.9% market share), peaking 1.9 million. Meanwhile, the management of Direct 8 has made an offer to FFF for TV rights of the first women's division (D1) over the period 2012-2014.Insufficient supply, Eurosport and France Television has won the set in August.

It is the flip side: the structuring of the market for women's football TV rights could eventually crowd out smaller players. "For the TV rights are the subject of a market requires that the images are produced and disseminated. Two years ago, it was not the case for women's football. Direct 8 that produces the games itself, has allowed the emergence of women's football on television in the clear, "Fabrice Lorvo analysis. On average, the chain said spend between 40,000 and 50,000 euros per game. The emergence of such a market whets the appetites and proposals for new broadcasters.

For the giants of the sport are Eurosport and Canal + could well participate in the cost inflation of rights, if performance women are superior to those of men.Inflation that is already seeing Thierry Cheleman, even if they are about 100 times lower than those of men. From this point of view, the acquisition by the pay channel Direct 8 could be an asset, "even if it is too early to draw clear ambitions to Canal + for Direct 8 on women's football," he concludes .

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