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"Te koop," panels "for sale" are hung at the windows of apartments in Rotterdam as those of great houses in Het Gooi, privileged region of local stars. "On average, a rest house for sale 159 days, 80 days against five years ago: the number of properties for sale has doubled, while prices continue to fall," said Roeland Kimman, spokesman for the NVM.

The first quarter of 2012 was the worst since 2008. The number of transactions fell by 15.6% over the last quarter of 2011. During the same period, the average price of a property fell 2.8%. In April, the fall was even 4.7% over one month. "Buyers are desperately short of confidence," says Eduard Vaandrager, agent in Keizerskroon Makelaars in Amsterdam.

Lower prices undermines consumer confidence, which weighs on consumption. The government attempted to revive the market by lowering the tax on property sales from 6% to 2%. In vain. "To stabilize the market, we should reform the estate tax credit," said Peter Boelhouwer, housing expert at the University of Delft. Arrested in France, Great Britain, Sweden and Norway this grant does not exist in Germany. "In the Netherlands, this has driven prices in the 1990s and early 2000. This is an expensive item – € 9 billion per year – but nobody dares to touch it, because 58% of Dutch owners are, "says the specialist.

Risk loans

Apparently favorable first-time buyers, this grant supports the richest: "Consider a person who borrows at 5% for a house of 600,000 euros. If it is in the tax bracket higher, it may deduct 52% of his monthly payments of taxes and pay only 15,000 euros per year, "says Eduard Vaandrager.

Despite the crisis, the government decided to maintain the subsidy, so as not to accelerate the fall in prices. But it now requires borrowers to repay their loan in 30 years maximum. This concludes a series of mortgages, that only allow full reimbursement of the loan and the sale of the property.

Comfortable in times of rising prices, borrowing against the value of the property become very dangerous when prices fall. "If the owner can not sell his property at the agreed price with the bank, he finds himself with a very large debt," says Ivo Arnold, a professor at the Erasmus School of Economics. As a result, owners waive sale. "Thank goodness that there has been no speculation, as in Spain!" Says Peter Boelhouwer.

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The ras-le-bol rises among users of TGV Nantes / Angers / Le Mans / Paris. And also the response … The members of the collective defense of Subscribers Line Atlantic (Ladala) took a new step in their protest movement against the repeated delays of the station, on the line leading to the capital. The trick to reach the railway portfolio. To do this, they have not hesitated to launch a "ghost TGV" massively by booking every seat of a TGV line in question. Of seats they will not play of course. Each member buying between 5 and 10 seats, 800 seats have already been blocked, all classes, as pointed out this morning on RTL Pascal Mignot, the representative of the collective.

Reaction except the SNCF, the train should travel empty, which would result in a serious shortfall. Because the protesters are concerned subscribers, a status that gives them access to places for a mere $ 1.50. And the date chosen is not trivial since the 250 members of Ladala have set Wednesday, May 16, the eve of Ascension Day and the weekend so great starts.

Greece of tickets

This is not the first time Ladala tries to voice his displeasure. Mid-March, the group had launched a strike of tickets and passes, along with daily rallies in trains and on platforms. Faced with the continuing delays and lack of financial consequences for the SNCF, the association thus increases the pressure, also taking on its website a statement of the duration of the movement, and delays on this line quick guaranteed personal loans.

Faced with the accumulation of failures since the schedule changes in December 2011, their demands are clear: rate freeze on packages (over 500 euros per month), on-time to avoid disputes with employers, indemnity 2.5 euros per 10 minutes late, and got 150 euro for subscribers to compensate for failures of January, February and March. In total, officials estimate that the collective duration of 14 hours cumulative delays over this period.

Side of the Authority of the quality of service in transport (AQST, dependent on the Ministry of Ecology), although the figures show a surge in failures since November, with up to 30% of trains delayed . But since February, the trend seems to be improving. Apparently not enough to calm those subscribers, still wearing a badge "subscribers on strike," which also launched an online petition and sent a letter to presidential candidates. Denouncing a 18% increase in travel time on an ordinary trip to Le Mans / Paris, they have finally created a Twitter account inviting followers to list all the failures of the Atlantic line. An initiative that has been emulated the Creusot subscribers and Amiens have since joined the movement.

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For 30 years, Ikea would have dreamed best advertisement. But a month after the revelation of illegal surveillance practices of employees and customers by Duck chained Mediapart then, the direction of Ikea France wants to show it has taken stock of the situation. Vanoverbeke Stefan, head of the French subsidiary of the Swedish furniture giant, yesterday presented its action plan and its working group to improve the image of the group being undermined by the discovery of internal mails mentioning the use of detectives private and the font file. Activities that led to Ikea France sidelined several top executives, including Jean-Louis Baillot, CEO of the subsidiary at the relevant time. "An internal audit by an independent firm has established that there had been research practices of information not consistent with our values. This is unacceptable and I regret it, "said Stefan Vanoverbeke. The current owner is careful however to discuss the future of the people involved to "preserve the presumption of innocence" and leave the floor of Versailles, seized by the CFDT union, do his job. "It is up to judges to say what is illegal or not. We just want to cooperate, "he said.

A pilot initiative

And as proof of his goodwill, Ikea France, which has already seen its headquarters raided and visited by the CNIL (Commission Nationale Informatique and freedoms) in its stores, plans to give the prosecutor the results of its internal audit. But it is mostly a working basis for a group of four managers responsible for "strengthening the values ​​and ethical standards." "It's not an excuse but it does not direct a company of 10,000 employees as a company that has only 500. The findings of the survey showed us that our way of working no longer fit our size, "explains Stefan Vanoverbeke.

Ikea already had a code of conduct but the group had been working to develop a global charter. Irregularities discovered in France gave a good boost to the initiative, even if the boss of Ikea France considers that there is "no reason to believe that such practices occurred in other countries where group is established. " No investigation has been carried out elsewhere. "France will be a pilot," he says. Beginning in June, the working group should thus be able to make concrete proposals for reforming corporate governance, support managers and staff, recruitment of technical change but also monitor compliance with the group values . "We developed this action plan because we want to act quickly to give answers to our employees, social partners and customers. But we hope that these answers are of quality, "says the CEO that all employees of the group can now contact directly by e-mail. For clients, Stefan Vanoverbeke remains attentive to comments left on forums where he received "varying degrees of concern." Not enough empty stores nor sinking sales, however.

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While sales of magazines fell 3.1% in France last year, according to OJD, a jury of press and publicity on Wednesday unveiled the list of the "Best Magazine of the Year "organized by the Press Union Magazine (SPM). This tenth edition awarded it (in the "Ten Years of Success"), The Express ("hit" journalism), Geo (media brand), GQ (application for tablet) and The Good Life (innovation), a bimonthly masculine "lifestyle" launched last October by Lawrence White, the founder of Ideat. Paris Match, one of the flagship titles of Lagardère Active, a leading news magazine in France that she also edits or Tele 7 Jours, was named "Magazine of the Year".

The jury praised the fairness of treatment by the media weekly highlights of 2011 (Arab spring, tsunami in Japan, weddings …) with a "constant quality editorial and photographic." "This award recognizes the work to densify our editorial offer (…) and the professionalism of a team engaged in all fields of news," said Edward Minc, editor of the news division of Lagardère Active.

United front of national press info

It's The Point who won the award last year. Among the families of magazines, it is also general news headlines (Paris Match, Le Figaro Magazine, World Magazine …) and "news" (Le Nouvel Observateur, L'Express, Le Point, Marianne … ) that have best withstood the erosion of broadcast in 2011, falling by respectively 0 paydayloans.55% and 0.76%, according to the latest release of the Observatory of OJD published on March 22.

Although the editors were at the party at this annual event that promotes the vitality of the media magazine, Lesouëf Bruno, president of PMS and CEO of the Lagardère Active magazine, did not fail to recall " difficulties of the logistics sector and trade "sector. Thinly veiled allusion to the fragility of current NMPP, the first distributor of the press in France, near "breaking point", he said. He called for "general mobilization" and "solidarity" among publishers, stating the proposed merger between PMS and Professional Union of magazines and opinion (SPPMO), chaired by François Orcival ( current values), "engaged on a concrete project, governance, a roadmap and timetable."

The union of the national daily press (SPQN) could support this initiative as part of a new "national press association of political and general information," said Bruno Lesouëf. "We experimented in the past, at our expense, the dispersion of the representation of magazine publishers. Let us draw the consequences for upcoming deadlines, "he pleaded.

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Then prices will drop? In this ritual question about real estate professionals meet today with a little yes. Certainly not a solid yes, frankly, but yes a little, and that is something. Even in the Ile-de-France and Paris, the traditional stronghold of the rise, things are changing. "In 2012, prices should fall by about 5 to 10% in the Ile-de-France," say solicitors. "We expect a relatively sharp decline in activity this year, about 20%, but a decline of more than 5% of prices in France," ahead of his side Pallincourt Rene, President of Fnaim, who is about to give up his siège.Au beyond the delicate exercise of global forecasting, rather symbolic as the evolution of prices can vary depending on the asset markets, all professionals describe the same picture, that of a market slows down, where transactions are less easily. But none ventured to compare the situation to that of 2008. "At that point, everything had stopped, said Sebastien de Lafond, President Meilleursagents.com. This is not the case today, the market remains fluid, even if transaction times are getting longer cheap credit report. "What has changed in six months? Much and little at a time. Laurent Vimont, president of Century 21, says "a sharp contraction in sales, including in Paris." The slowdown is real: last year, with about 850,000 sales in the former, was a record. This year, professionals expect between 700,000 and 740,000 sales only. "We lost buyers since last July. The apartments and houses that have a default and are too expensive are the same most visited, "said Sebastien de Lafond. "What is new is that Paris is affected by volume, whereas it was the last market to be in 2008," said Mr. Bazaille, president of the Institute for Notarial real estate. The sluggish housing market is not good news for local authorities and public finances. And the change in taxation of capital gains might not make the tax revenue espérées.Finies, flights, quarter after quarter.

"More than at any price"

appetite for stone is real. Credits: Jean-Michel Turpin / Fedephoto

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Apple announced Tuesday after the close of Wall Street that the media group's boss Disney, Robert Iger, integrate its board, now chaired by Arthur Levinson, who was one of the leading officials of the board of the group in 2005. These decisions were taken one month after the death of founder and CEO of Apple Steve Jobs. In addition, Apple has opened for the first time Wednesday discussions with advocacy groups accuse the Chinese environmental industry working for the manufacturer of computers and smartphones U no fax needed payday loans.S. large-scale pollution.

The Dell IT group released Tuesday, also after the close of Wall Street, with net income up 9% in the third quarter of fiscal offset to $ 893 million, slightly above expectations.

Qatar Airways, the first customer for the A350 XWB, the new long-haul Airbus will have to be patient. EADS, the parent of European manufacturer, announced on Friday on the occasion of the publication of the results of nine months, the factory of the competitor of Boeing Dreamliner will be the first half of 2014 rather than late 2013. The assembly of the first aircraft factory in Toulouse, will begin in the first quarter of next year and not at the end of this year. This delay will cost 200 million euros at EADS, which has set aside that amount in its accounts.

These announcements reflect "what we know today," said Hans Peter Ring, Chief Financial Officer of EADS. The band plays caution. He prefers to deliver defect-free devices instead of doing everything to meet its production schedule. The European giant draws lessons from the excesses of the A380.The announcement of the delays of the A380 in June 2006 caused a collapse of the action and the most serious crisis in the history of the company.

This decision revealed seventy-two hours before the opening of the Dubai Air Show was predictable. In June, during the Paris Air Show, Airbus announced a year and a half behind two of the three versions of the A350 XWB. Management had set the stage by explaining the weeks preceding the calendar was tense for "a very risky program."

In late September, Thomas Enders, CEO of Airbus, told the BBC: "We always start date for the final assembly of the first aircraft in late 2011. But there is no magic date. We learned a lesson simple enough for the A 380: it is useless to push sections of the aircraft on the assembly line if they are not ready. "

"What will happen if the people say no? The risk is that the international community shuts off the money and the country will eventually leave the euro. There is matter of serious concern investors, "said Christoph Weil for his part, an analyst at Commerzbank. As for the CM-CIC analysts, the referendum "opens a Pandora's box about the size of the losses to be borne by financial institutions."