DES AIDES MENAGERES PLUS COUTEUSES ?

Actuellement les particuliers qui emploient du personnel à domicile, femmes de ménage, nounous, aides ménagères  etc...ont la possibilité de calculer les cotisations sociales correspondantes sur la base soit du salaire réel soit d'un salaire forfaitaire égal à 10,34 euros par heure de travail.

Or le gouvernement, soucieux de renflouer les caisses de la sécurité sociale, envisagent de supprimer le calcul  sur la base forfaitaire pour n'appliquer que le calcul sur la base du salaire réel.

Cette disposition qui figurera dans la loi de finances pour 2013, bénéfique pour l'Etat et pour le salarié, entraînera une augmentation des cotisations patronales et salariales sans que l'employeur puisse répercuter  celles-ci sur son salarié.

Par exemple un particulier rémunère sa femme de ménage 15 euros net de l'heure :

Calculées sur la base forfaitaire, les cotisations payées par l'employeur s'élèvent à 4,20 euros pour la part patronale et 2,40 pour la part salariale.  Le salaire net de 15 euros correspond ainsi à un salaire brut de 17,40 euros.

Calculées sur le salaire réel, les cotisations s'élèvent à 7,91 euros pour la part patronale et 4,51 euros pour la part salariale, soit un salaire brut horaire de 19,51 euros !

Cette hausse de la cotisation salariale, prise en charge par l'employeur, équivaut ainsi, dans notre exemple, à donner au salarié une augmentation de son salaire brut de plus de 12% !  Exceptionnel en cette période de rigueur !

Tout ceci ne risque-t-il pas de contraindre certains employeurs, retraités ou personnes âgées, à renoncer à des services devenus trop onéreux ou de favoriser le travail au noir ?

DML

TALKS ABOUT A NEW EU FEDERAL STATE ?

A meeting in Warsaw, in the presence of only eleven Foreign ministers of EU countries, has taken place.  Once again the ultimate aim is to introduce more "Federalism" in the EU by changing treaties.

What hampers frustrated EU politicians is the power they do not at present have and which they urgently want !!!  What they need, in order to change treaties, is to remove the "Unanimity Rule" to change the EU Treaties.  Another handicap is that some countries have "Veto" rights in certain areas. 

There is, however, something else which flies in the face of what these politicians so urgently want.  This is called DEMOCRACY !!!

In the past the ultimate electors in most countries (not Ireland !!!) have been deprived of their right to vote because their national elected MPs have "saved" them the trouble !!!  To hold a referendum could have been a dangerous operation if the result had been "NO" !!!

Likewise, this is the moment to highlight another anacronism concerning the lack of democracy in the EU. All the 27 countries in the EU hold elections at different times.  Their MEPs are all elected on the same day throughout Europe !!!  This is a comfortable solution from an EU viewpoint.  There will never be any immediate repercussion on anything the EU may enact; the EU Parliament is never affected by any change in a national   government !!!  Is this normal ?  Is this the "democracy" which the EU aspires to ?

Other more informed commentators may have other hidden consequences to highlight !!! 

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WILLIAM & KATE OBTAIN INJUNCTION

William and Kate have obtained an injunction from a French Court against the Closer Magazine, preventing it from publishing topless photos of Kate, which were taken without their knowledge, while they were on holiday in the South of France in a private property, owned by Lord Linley !!!

The photos were taken at a distance of more than 200 metres from where the couple were relaxing.

Closer Magazine, is part of the Mondadori Group which is owned by Silvio Berlusconi, the former Italian Prime Minister.  Closer Magazine  has been ordered to return the originals of the photos to William and Kate, because they are considered to be their private property, within 24 hours of the judgement.  A fine of 10 000 Euros daily is payable for non compliance.  In addition, any further sale of the photos in any way is covered by the judgement.

Criminal proceedings have been engaged by William and Kate, but this will take some time.

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WHICH COUNTRIES STILL WANT THE EURO ?

To be quite clear, in the current critical circumstances of the EURO, the real question is "Which countries really still want the EURO ?"

There are at present 27 countries in the EU.  Of these 17 countries have the EURO as their National currency.

Denmark and the United Kingdom have a recognised right in the EU Treaty not to be obliged to adopt the EURO !!!

This leaves 8 countries which are expected to adopt the EURO "ultimately" .  When ?  That is "The Question" !!!  There is no fixed date for these 8 countries, which are;

                        Sweden
                        Latvia
                        Lithuania
                        Poland
                       Czech Republic
                       Hungary
                       Romania
                       Bulgaria.

However, with the current EUROZONE problems, smaller countries are wary about joining and adpoting the EURO.  A typical example is Bulgaria; its currency, the Lev, is solid just like its economy !!!

Lithuania and Latvia are two other countries which have adopted a "wait and see" policy before joining the EURO. Poland has simply delayed any final decision about adopting the EURO.

The EU, and the World in general, is facing a difficult economic period.  Smaller countries want to avoid being sucked into the current problems provoked by Italy and Spain, not to mention Greece !!!  This is understandable !!!

The remedies at present proposed by Mario Draghi are purely financial !!!  They do nothing to solve the real basic  problem which is "economic".

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HOLLANDE, LE LOCATAIRE DE L'ELYSEE

Lors de la visite du palais de l'Elysee, dans le cadre des journées du patrimoine des 15 et 16 septembre 2012, le Président Hollande s'est plu à déclarer qu'il n'était que le locataire des lieux.

Soyons plus précis!  Il n'est que le bénéficiaire d'un logement de fonction dont l'occupation prendra fin en mai 2017, si les français en décident ainsi dans 5 ans.
Et ce, sans aucun droit au maintien dans les lieux...!!!

DML

HALTE AUX "NICHES FISCALES" ...!!!

...Ou plutôt halte à l'emploi inapproprié de l'expression "niche fiscale"!

Le terme évoque cachette, dissimilation, astuce, montage fiscal, dans le but toujours d'échapper à l'impôt....!!!

Or, dans la quasi totalité des cas, il s'agit de réductions d'impôts ou d'avantages fiscaux auxquels les contribuables peuvent prétendre en toute légalité dès lors que sont réunies les conditions requises par le législateur !!!

Citons par exemple la déduction forfaitaire pour frais professionnels dont bénéficient les éclaircisseuses et les polisseurs de pipes de la région de Saint Claude, ou encore la réduction d'impôts pour l'emploi d'un salarié à domicile. 

A ce jour il existe plus de 500 avantages fiscaux appelés abusivement "niches fiscales". 

DML

MARIO "SUPER" DRAGHI LIMITED BY GERMANY !!!

The German Constitutional Court in Karlsruhe has accepted that Mario Draghi is "free" to act but that the liabilities of Germany amount to 190 Billion EUROS. 

 This decision presupposes that the Leaders of the "EUROZONE" will "give their blessing" to what Draghi wants to undertake,  namely "buy up short term national debt" (debt with less than three years before redemption) of EURO countries which require help.

Such action could in fact become a nice source of income for the EUROPEAN CENTRAL BANK !!!  If National debt is quoted on Stock exchanges with a discount beyond what would be expected before the next interest payment, the Draghi operation would be a winner and stabilize the cost of the credit necessary for the new financing required to repay current debt falling due for repayment !!!

It is not surprising that the IMF wants to participate in such an operation !!!

However, what the Constitutional Court in Karlsruhe has clearly said is that the German Liability is limited to 190 Billion EUROS !!!   Before the EUROZONE Leaders meet to approve the "Super" Draghi proposition, the limit of the obligations of each EUROZONE country must also be calculated and spellt out !!!  Every country wants to know what their ultimate liability could amount to !!!  

Germans quite rightly feel abused and strangled by the obligations they face to save the EURO !!!  Where do their efforts stop ?

This also means that the proposititions of Marius Draghi and any limitations, must be defined !!!  This is fundamental for the future of any EUROZONE !!!

When these problems have been  been addressed, it will perhaps be necessary to revise the proposed details of the "Proposed Treaty of Monetary Stability" of the EUROZONE !!! 

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