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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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Critics of the measure as its proponents can not but agree with Bernard Thibault: it will be "an event in Europe." Francois Hollande promised that one of his first acts would be to extend, by order, the possibility for some employees to retire at age 60. "This is the first time in many years that a government will come back to this vicious cycle of decline (…) of the retirement age," welcomed the head of the CGT, Monday on RTL. But he also explained why the measure seemed insufficient. The new president has been clear during the campaign: to qualify for this exception to the legal age (increased gradually to 62 by the reform Woerth), it will have paid 41 years. Contributed, and not validated this period. Nuance size. The pension system "offer" because of the quarters to insured under the National Solidarity, in certain situations – maternity leave, parental leave, military service, unemployment, illness or disability long – they do not work, so do not contribute not. Eight quarters are also given to parents for each birth (in fact, almost always mothers).

In practice, it will be necessary before having worked 19 years without interruption, to stop work at 60. An extension of the device 'long career "already open to individuals who began their careers at age 17 or earlier, which would affect about one in four insured approaching the retirement age (150,000 persons per year).

"We are pleased that this improvement is around long careers, both criticized at the time by the CGT and FO," says Jean-Louis Malys, the "Mr. Retreats "of the CFDT. The union had obtained this system in 2003 by François Fillon and Jean-Pierre Raffarin, in return for a longer contribution period. "Francois Hollande, the PS then premiersecrétaire very reluctant, has resumed since the principle of lengthening the contribution period as life expectancy," says Jean-Louis Malys. However, he announced his willingness to discuss "special cases", not to penalize the unemployed or housewives. The device 'long career "has two current relaxations: are deemed assessed periods of sickness, maternity, accidents at work (a maximum of 4 quarters) and national service.

Extensive consultation

The other unions are more virulent. "It is essential to discuss the modalities of implementation," Bernard Thibault requires. Otherwise, "this could be one of the first clashes with the government," threatened Jean-Claude Mailly (FO) last week. The obstacle is financial: the measure, in its limited version, should have cost up to 5 billion per year (funded by increased contributions) to the single basic plan. Perhaps these unions show they less indecisive when it comes to transpose to supplementary Agirc-Arrco, they co-manage with the employers. The cost is estimated at about 50% of that weighing on the basic plan.

Anyway, this step will be temporary, before consulting widely on the whole pension system. Age, duration of assessment, funding, harmonization of rules between plans, hardship …: everything can be discussed, promised the new head of state. But again, the financial strain will weigh. The Board of Retirement Guidance indicated that he would end 2012 new projections. And its president, Raphaël Hadas-Lebel, has already warned the crisis will result in a degradation of the accounts.

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The presentation was eagerly awaited in the high-tech world. Become the world's number one mobile to Nokia and Apple, Samsung introduced Thursday evening in London its new flagship model, the Galaxy S3.

"Relive the presentation of the Galaxy S3

A description and the first review about this:

• DESIGN

Back to the rounded design for the new Samsung Galaxy S III: a nice case with curved lines and curved back which inevitably think about HTC's latest smartphone, the X One Screen with a slightly larger 4.8-inch super-AMOLED, which is distinguished by its superb contrast and excellent precision in the details with its 1080 x 720 display and resolution of 306 dpi (almost as much as iPhone 4S and 326 dpi). "Inspired by nature, designed for humans," says the slogan of the manufacturer. The Galaxy S III measuring 13.6 x 7 cm to 8.6 mm thick, and weighs 133 g.

• USE MORE NATURAL

"The Galaxy S III knows what you want to do," said a spokesman for the company. Thus, the Face Detection helps keep the screen active when one looks at it, avoiding it goes to sleep. The proximity sensor, when it detects a movement towards the ear, picks without having to press a button or dials the touch-screen. Equally spectacular, the S Beam can easily share files between two Galaxy SIII: touch another device and the content displayed will be transmitted automatically by NFC or Wi-Fi according to file size no fax pay day loans.

• EYE AND EAR

The voice recognition system S Voice enables Samsung to compete against the iPhone 4S Siri: we can now speak naturally on the phone asking him to take a picture, call a contact, set an alarm, to dictate text, for the weather or control the music player. The camera, it recognizes the faces of those affected and proposes to transmit images via MMS or email. Better still, pointing to a face to a photo, you can get the Google + Facebook profile and the subject.  

• PHOTOS AND VIDEOS A GOGO

Equipped with a 1.9 megapixel camera for video calling and, at the rear, a 8 megapixel sensor particularly reactive (no delay between triggering and capturing a photo), the Galaxy offers a new way Automatic scene. It may even recommend the best shot among multiple shots. Its screen can watch Full HD movies at full resolution, but he also knows wirelessly transfer the display on a big screen DLNA. It also provides access to content from other devices using a wireless network.

• THE PRICE OF POWER

Compatible 3G + (HSDPA 21) and 4G (LTE), the Galaxy S III is also very powerful with its quad-core processor. It allows to continue watching a video in a vignette while performing another task on the phone. Available in blue or white, and 16, 32 or 64GB, the Galaxy S III will be released in France in June. First Prize: € 649.

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In his defense, the government ensures that the global event will benefit the local economy. 1500 enterprises had shared a jackpot of € 9 billion of contracts. But experts estimate that less than 1% of GDP growth of the net gain generated by the Olympics for several years.

The major amounts invested for the event.

• Transport: € 7.8 billion

For seven years, considerable effort has been devoted to the modernization of the London transport network, to host 3 million visitors in addition to the 12 million daily riders. New stations were built around Stratford, the Olympic site in east London. A special express train, the Javelin, will link the park to the station King's Cross St. Pancras. But the risk of flooding remains a nightmare for the organizers and authorities in London.

+ Organization: € 2.4 billion

The organization of the fifteen-day competition is funded by private funds from revenue from TV rights, sponsorships, merchandising and ticketing (485 million euros). Some sponsors are involved in providing benefits in kind (eg telecom).

+ Olympic Stadium: 1.2 billion euros

The enclosure of 80,000 seats is the centerpiece of a series of new equipment final, including a swimming pool, a handball court, a velodrome that will find and use a permanent occupants after the Olympics. Each was built by an architect and a different promoter. Other facilities such as the basketball stadium, will be dismantled at the end of competitions.

+ Olympic Village: 675 million

The site of the London 2012 Olympic Village was sold for 634 million euros in a joint venture with Qatari Diar business cards. The village, which adjoins the Olympic Stadium, includes 2,800 new homes. And the contract includes the creation of 2,000 additional.

Security +: € 670 million

This is one of the positions responsible for soaring overall costs. The organizing committee found itself under fire for underestimating security needs. A first estimate "wet finger" of 10,000 agents has been revised upwards to 23,700, doubling the budget to fund these private security guards. A contract with G4S company specializing in 104 million was renegotiated to 344 million. Not to mention the tens of thousands of forces of public order.

+ Ceremonies: 98 million

Entrusted to Danny Boyle, director of Trainspotting and Slumdog Millionaire movie, the opening ceremony of July 27 should show the "best of Britain". Thousands of extras are being recruited. To succeed in this show of force after that which remained in the memories of Beijing, Prime Minister David Cameron has agreed to double the budget for opening and closing.

= Public budget: 13 billion euros

The note of the Olympics for taxpayers English has continued to fly from the original figure of 3 billion when London won the competition in 2005. The organizing committee is now working on a budget of 11 billion, but a parliamentary report estimated that the bill may reach 13 billion instead. 29 billion and even if we take into account indirect costs for utilities, including the police and military presence.

Cynical or simply cultural initiatives do not fail to honor the tragedy that killed 1,514 people April 14, 1912, off Newfoundland. Especially since director James Cameron has shown that the Titanic was a "brand" more than profitable. In 1997, his film exploded every record box office, earning $ 1.8 billion in revenue and creating a real passion for the drama of the Atlantic.

The story of the Titanic began in Ireland, where the liner was built. This is a museum in Belfast, which cost over 110 million euros, was inaugurated last weekend, built on the former shipyard. It reveals the story of the Titanic through special effects or special activities. Nearly 400,000 visitors are expected this year alone.

Southampton City also marks the event. It is indeed from this port in southern England as the first passengers boarded the Titanic. Moreover, a large majority of the crew was from this town and most were killed by remaining on board until the last moment. The City Museum offers a special exhibition, interactive, allowing among other visitors to London find the room where justice investigated after the disaster. The shipping company Red Jet offers it for 54 euros, a departure by boat to the exact place in Southampton where the Titanic sailed.

The more curious, or less superstitious, will benefit from the offer of the Groupon site. For 9500 euros per person, they can navigate thirteen days in July, up from the wreck site and visit the wreck. On board the ship that will transport them, they may attend scientific conferences and will receive an autographed DVD of the film by Leonardo DiCaprio.

Permanent exhibition

Some commemorations are lighter. In Liverpool, where the Titanic made a stop, the sinking will be addressed as a musical. The West Kirby Light Opera Society is back in June on stage at the Liverpool Empire for a production called Titanic. The Musical, about 15 euros per ticket.

France and the United States also will try to capture the public interest for the most famous shipwreck in the world. At Cherbourg, where the steamer stopped to take his last passenger, the Cité de la Mer has expanded to create a new permanent exhibition. And to complete a journey that travelers will not have had the opportunity to complete, destination New York, where the auction house Guernsey's will start selling on April 15th 5500 objects belonging to passengers, or having found aboard the Titanic. Guernsey's was sold in 2004 for $ 100,000 a menu. Prices could soar again this year.

Finally, some cities which have a lot farther with the historical event has found a way to cash in, as the Anglo-Saxons, or to "cash in". In Atlanta, the Hotel St. Regis has developed one of the most profitable. Colonel John Jacob Astor IV, founder of the institution and died in the wreck, was the richest man on the Titanic. For 2000 dollars you can spend a night in the Empire Suite. This was the price of a first class ticket on the ship in 1912.

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From our correspondent in London.

Welcome to the UK! Passengers arriving today in the country's airports may have to wait until noon to cross the border, prevent the authorities, because of a strike of public service followed by immigration officials. In an attempt to avoid chaos, the government has asked airlines to cancel or divert flights. For several days, in the form of disaster volunteers and employees of departments of the military at passport control to take over the strikers.

The strike of civil servants to the call of 30 trade unions against the pension reform is already billed as the largest since the 1970s. More than 2 million people could stop work and attend one of the 1000 events in the country. Nine out of ten schools should remain closed payday lenders.Thousands of canceled operations in the hospital for lack of nurses. Garbage will not be collected. After a day walkout in June to the call of four unions, today is the biggest challenge faced by David Cameron since he arrived in Downing Street there eighteen months.

The Prime Minister described the strike as "irresponsible." "I call, even at the last minute, the union leaders to give it up. This does not solve anything and it's going to hurt our economy, "said Cameron, whose government Tuesday announced measures to counter the worsening crisis. After months of fruitless negotiations, the unions are protesting against pension reform officials that provides increased contributions and lower pensions.

After suffering a decline of more than 3% yesterday, the Paris Stock Exchange on Tuesday recidivism holiday. The CAC 40 began the session on a sharp decline from 1.89% to 3185.30 points before to increase its losses. He plunged from 3.09% to 3142.59 points in the opening minutes of the transactions. In its wake, the Dax in Frankfurt was down 3.37% and the FTSE-100 in London lost 1.71%. Madrid plunged by almost 3%.

Traders are not present reassured by the fences down Asian markets this morning and those of the U.S. financial markets yesterday. They are again assailed by doubts about the debt situation in Europe. Operators including questioning the ability of banks to recapitalize.They also seek to know whether additional funds will be allocated to the European Financial Stability Fund (EFSF).

In short, "investors are becoming aware of the lack of details in the agreement reached at the EU summit last week," said Michael James of Wedbush Securities. "Reports suggest that the plans for the EFSF were not easy to sell to China and Japan," commented on his side Patrick O'Hare of Briefing instant payday loans.com site financial analysis. In addition, "there is a growth problem, a very bad direction of unemployment, inflation at 3%, so no rate cut, and now Germany has a real growth in retail sales by 0.3% so she is not going to save the euro area ", listed his side Evariste Lefeuvre, an economist at Natixis."Without real support of the economy, the Agreement on Greece will not have any real effect," said Michael James.

Greece still worried

Greece, in fact, placed his fate in the hands of the people by deciding to hold a referendum on the decisions of the European Summit of 26 October. "The will of the Greek people be binding on us," said Prime Minister George Papandreou, who will also seek a confidence vote in Parliament on the agreement on debt. If 'no' wins, the Greek Constitution mandates the holding of early parliamentary elections. "This will plunge the country into an economic downturn and unprecedented political," says a member also left anonymously. The news was greeted coolly by the markets on Tuesday.

The French fans of smartphones! According to research firm IDC, sales of smart phones are expected to reach 4 billion euros at the end of 2011, an increase of 33%. This represents the sale of approximately 12 million terminal. "This increase meets the mobility needs of consumers," decrypts Kirk Campbell, IDC's boss. A need that was not lost on retailers. All signs, or almost, now have their mobile applications.

In the wake of its competitors Auchan and Carrefour, the Casino Group has launched its application "mCasino" in October 2010.According to Stéphane Bout, director of information systems group, the mobile phone has become an essential marketing tool for the retail sector.

Lefigaro.fr: How the rise of smartphones he changed consumer behavior?

Stéphane Tip: Even with the Internet, the nature of the relationship between the customer and the brand has been transformed. This relationship is a continuation and leaves the perimeter of the store. This is especially true today with smartphones. Consumers are connected, exchanged opinions on products, inform in real time. The application mCasino, which works with the iPhone and Android, which is also available on the iPad tablet, was developed to make their lives easier, but also to ensure continuity of services that we offer.This launch is a logical extension of our innovation strategy that relies on the use of all electronic media: Internet, kiosks in stores, scannettes and of course mobile phones.

Stéphane Bout, director of information systems of Groupe Casino. Credit: DR.

Wall Street earnings increases, on Thursday. After opening slightly higher, U.S. financial markets now earn more than 1%: the Dow is 1.16% to 11,066.34 points, the Nasdaq rose 1.44% to 2496.01 points and the S & P 500 gaining 1.36% to 1159.59 points.

After weeks of dithering, European leaders have taken in hand to avoid a collapse of the banking sector, weakened by the debt crisis, which brought down the French-Belgian group Dexia. The markets were also reassured by the publication of macroeconomic indicators in the U.S. exceeded expectations: job creation in the private sector and the ISM services.

Caution before the employment figures

Investors in Europe and the United States should however be cautious before several major macroeconomic deadlines.On Thursday, the European Central Bank (ECB) announced on Thursday to maintain its 1.50% interest rate, reference the cost of credit in the euro zone, despite the sharp deterioration in the economic and financial crisis.

Investor caution should also be strengthened by the expectation of official figures of employment for the month of September in the United States to be published Friday. Meanwhile, new jobless claims are slightly lift the United States during the last week of September, according to figures released Thursday by the Washington Department of Labor.The Ministry has identified the deposit of 401,000 applications for unemployment benefits in the country from September 25 to October 1, adjusted for seasonal variations, or 1.5% over the previous week, which is consistent with the estimate of analysts.

On the foreign exchange market, the euro reached 1 bad credit pay day loans.3331 dollars. A barrel of crude is trading at 102.38 dollars for Brent North Sea and 79.50 dollars for U.S. crude.The ounce of gold is trading in 1644 dollars.

Investors will have their eyes on Apple and Yahoo

As for values, investors will have their eyes on the technology sector.

• Apple (-0.39% to 376.77 dollars) will remain particularly observed after the announcement of the demise of the group's founder Steve Jobs.

• Yahoo (-4.60% to 15.19 dollars) is the subject of new rumors of a possible bid from U.S. computer giant Microsoft, which had already in 2008 attempted to seize the group's internet America.

• Hewlett-Packard (0.41% to 23.96 dollars) should not make further major acquisitions in the software after the acquisition of Autonomy, according to statement from the group's new boss Meg Whitman cited by Reuters.

• Boeing (0.25% to 60.11 dollars) has received an order for one.$ 1 billion from Ethiopian Airlines for four Boeing 777 freighters.

• Gilead Sciences (-0.03% to 39.14 dollars) has obtained a license agreement Boehringer Ingelheim for the exclusive rights to research, development and commercialization of an anti-integrase for the treatment of HIV.

• Marriott International (2.02% to 28.75 dollars) issued for the third quarter, earnings per share of $ 0.29, up 32% year on year. Turnover was 2.9 billion dollars against 2.6 billion last year. The revenue per available room key indicator in the hotel sector grew by 8.7% on a comparable basis, while prices rose by 5.3%.

Mont Saint-Michel, La Mère Poulard and neighbors start laughing … yellow. This gem has been moult attacks, "this fairy castle planted in the sea," as admired Victor Hugo, is the subject of a heated battle. Not that of the wind, which Unesco has asked in June to stop the work, but the tourists. Especially the Japanese, the abbey historic monument fascinates. The 300,000 Japanese visitors, a total of 3 million who visit the site each year, in fact, threaten to fall back on other destinations. In question, while the work that will enable the Mount become an island is accelerating: the conditions of reception of tourists, including the starting point of the shuttle 800 meters of the future parking. The owner of a tour operator, which only works with Japanese from Paris for the day, will meet Tuesday the mayor of Mt.This is to prevent its customers, who have three hours to visit, a walk of nearly two kilometers …

The association of tour operators Japanese in Paris also wrote to 24 local elected officials, recalling that a Japanese customer spends 80 euros at Mont-Saint-Michel, and a decrease in activity of 30% would represent a loss of 7 2 million euros per year for the rock …

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