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Depuis plusieurs années, l’assurance-vie de par sa souplesse, ses taux parfois bas et sa fiscalité avantageuse, se positionne comme étant le placement favori des français. Cependant, est-ce un placement risqué ?

L’assurance-vie : placement risqué ou pas

L’assurance-vie est un placement qui est toujours présent lorsqu’il s’agit de succession ou pour complémenter tout simplement une retraite. En dépit de la chute des taux, on observait en 2014 un placement moins rentable par rapport aux années antérieures. En effet, bien qu’il était toujours aussi avantageux sur le court terme, le rendement moyen des fonds des contrats d’assurance-vie était estimé à environ 2,5%.

Le risque d’un renforcement de sa fiscalité plane toujours car l’assurance-vie a toujours bénéficié d’une protection dans la mesure où c’est elle qui finance la majorité des emprunts liés au Trésor Public. La principale menace du rendement des assurances-vie réside dans l’oscillation du taux de change de l’euro.

Les assureurs n’ont pas conséquent pas tous la même façon de réagir face à ces contraintes tant structurelles que politiques. Par ailleurs, en 2015, on observait chez certains des taux de rendement supérieurs à 4%. Il convient de noter que les taux relatifs à l’assurance-vie sont différents de ceux du livret A. En effet, ils ne sont pas fixés par l’État.

C’est la raison pour laquelle il est vivement conseillé de consulter plusieurs assurances-vie avant d’en choisir une. Ainsi, vous aurez le temps de bien étudier les offres de chacune d’entre-elles, de bien prendre en compte les différents éléments qui entreront dans la facture. Il vous faudra également mettre sur pied une stratégie fiscale parfaite dans la gestion de votre assurance-vie, varier les versements, organiser les rachats.
Bien qu’il soit un placement inévitable, l’assurance-vie se révèle être assez compliquée qu’il ne parait. Par conséquent, une gestion sage est exigée afin qu’elle demeure une valeur sûre.

ECB President Mario Draghi painted a somewhat downbeat picture of economic developments in the Eurozone but assured Economic and Monetary Affairs Committee MEPs that the ECB "will not hesitate to act if some of the downward risks weaken the inflation outlook over the mid-term more fundamentally than we project at present". He hinted at the possibility of adjusting the size, composition and duration of the ECB’s asset purchase programme, to add monetary policy impetus if necessary.
Committee on Economic and Monetary Affairs

Source : © European Union, 2015 - EP

ECB President Mario Draghi painted a somewhat downbeat picture of economic developments in the Eurozone but assured Economic and Monetary Affairs Committee MEPs that the ECB "will not hesitate to act if some of the downward risks weaken the inflation outlook over the mid-term more fundamentally than we project at present". He hinted at the possibility of adjusting the size, composition and duration of the ECB’s asset purchase programme, to add monetary policy impetus if necessary.
Committee on Economic and Monetary Affairs

Source : © European Union, 2015 - EP

The environment committee said on Wednesday that Parliament's delegation to the COP 21 climate talks in Paris must call for a 40% cut in greenhouse gas emissions by 2030, a 40% energy-efficiency target and a binding 30% target for renewable energy.
Committee on the Environment, Public Health and Food Safety

Source : © European Union, 2015 - EP

The environment committee said on Wednesday that Parliament's delegation to the COP 21 climate talks in Paris must call for a 40% cut in greenhouse gas emissions by 2030, a 40% energy-efficiency target and a binding 30% target for renewable energy.
Committee on the Environment, Public Health and Food Safety

Source : © European Union, 2015 - EP

On 23 September 2015, the 58th meeting under the Incident Prevention and Response Mechanism (IPRM) took place in Ergneti, co-facilitated by Kęstutis Jankauskas, the Head of the EU Monitoring Mission in Georgia (EUMM), and Ambassador Angelo Gnaedinger, the Special Representative of the OSCE Chairperson-in-Office for the South Caucasus.

The security situation was assessed as stable, and specific incidents along the Administrative Boundary Line (ABL) were discussed.

Constructive discussions were held especially regarding access to land for local farmers; it was agreed to keep this issue under review. Participants committed to increase vigilance and to intensify the exchange of relevant information in relation to wildfires on both sides of the ABL.

Participants discussed the latest information on several cases of forensic expertise being conducted; and anticipated the early exchange of relevant documentation.

In order to respond to the concerns of the local population, participants promised to provide timely additional information on military exercises.

The next IPRM meeting will take place on 29th October.

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Source : © European Union, 2015 - EP

Tank crews in Russia’s central Chelyabinsk region are testing an advanced “stealth” paint that ensures low visibility against electronic surveillance systems, a military spokesman said earlier this month.

(Actualisé-2) Le montant du contrat est d'un peu plus de 950 millions - l'équivalent du remboursement à la Russie.

长期以来，随着南海的日益军事化，亚太地区稳定与安全的局势变得紧张，而穿梭在这片海域的一艘艘不起眼的渔船所造成的风险却往往更直接、更频繁，也更缺乏管控。然而，如果能加以适当管理，渔业或可为区域协商与合作创造初始环境。

During a first debate the state of play on Volkswagen's emission "defeat devices" with the European Commission in the Environment Committee, many MEPs highlighted the need to speed up the introduction of automotive test procedures that better reflect vehicle emissions in real driving conditions, while others compared the EU's decentralized “type-approval” system unfavourably with the US one.
Committee on the Environment, Public Health and Food Safety

Source : © European Union, 2015 - EP

During a first debate the state of play on Volkswagen's emission "defeat devices" with the European Commission in the Environment Committee, many MEPs highlighted the need to speed up the introduction of automotive test procedures that better reflect vehicle emissions in real driving conditions, while others compared the EU's decentralized “type-approval” system unfavourably with the US one.
Committee on the Environment, Public Health and Food Safety

Source : © European Union, 2015 - EP

Budapest helyett a luxemburgi főváros ad majd otthont október 8-án a nyugat-balkáni menekültkonferenciának. Erről tájékoztatta kedden a tagállamok belügyminisztereit a soros luxemburgi elnökség. A menekültválság kezelésére 2015-2016-ban fordítandó költségvetési források megduplázására tett javaslatot szerdán az Európai Bizottság.

Moscow could drop out of a Soviet-era nuclear treaty with Washington if the United States moves new B61-12 guided nuclear bombs to Germany, the chairman of Russia's upper chamber defense and security committee said Wednesday.

(B2) La mission européenne « Etat de droit » (EULEX Kosovo) a envoyé de l’aide humanitaire pour les réfugiés et les migrants qui se trouvent actuellement en Serbie. Un convoi de cinq camions est ainsi arrivé à Belgrade lundi (21 septembre) et à Sid, près de la frontière avec la Croatie, mardi (22 septembre). La mission EULEX au Kosovo a fait don d’articles ménagers tels que les équipements de cuisine et appareils électroménagers, des fours à micro-ondes, des machines à eau chaude, des lits, des matelas, des armoires, ainsi que des générateurs, des appareils de chauffage, et un conteneur entièrement équipé avec des cabines de douche, des salles de lavage, et une toilette. Un autre transfert a lieu ce mercredi (23 septembre) vers Kanjiza.

This report is for the media and general public

The SMM monitored the implementation of the “Package of measures for the implementation of the Minsk agreements”. Its monitoring was restricted by the parties and security considerations*. The situation remained largely calm in Donbas with only one non-training ceasefire violation recorded by the SMM. “DPR” members at a checkpoint pointed weapons at and threatened to shoot SMM members.

The situation remained relatively calm in the Donetsk region. The SMM – positioned 1km south-east of the destroyed “Donetsk People’s Republic” (“DPR”)-controlled airport (9km north-west of Donetsk) – observed one explosion.[1]

In government-controlled Krasnivka (35km north-west of Mariupol), the SMM heard approximately 20 explosions in the far distance to the east. In government-controlled Topolyne (19km north-west of Mariupol), it heard approximately ten explosions in the far distance to the west and south-west. The SMM assessed both instances to have been part of training exercises.

In government-controlled Tonenke (19km north-west of Donetsk), residents told the SMM that the area had been calm since 1 September. According to them, some internally displaced persons – including children of school-age– had returned to the village. The children, they said travel by bus to the nearest school in government-controlled Orlivka, 3km to the north.

“DPR” members at a checkpoint close to “DPR”-controlled Zaichenko (26km north-east of Mariupol) pointed weapons at and threatened to shoot SMM members*. As the SMM was leaving the scene, one of the “DPR” members fired shots into the air.

The SMM facilitated – having previously provided needs assessment and advice on secure distribution points, and arranged meetings with relevant interlocutors – and monitored the delivery of 2,012 18kg hygiene packages and 2,012 18kg food packages by the International Committee of the Red Cross to residents of “DPR”-controlled Staromykhailivka (16km north-west of Donetsk). It facilitated and monitored similar deliveries to residents of “DPR”-controlled Oleksandrivka (20km south-west of Donetsk) and government-controlled Krasnohorivka (21km west of Donetsk).

The SMM observed a peaceful protest outside the offices of Medecins Sans Frontiers in Donetsk city, at which approximately 100 men and women drew attention to what they referred to as a failure to adequately address the humanitarian needs of people in “DPR”-controlled areas.

The SMM noted a relatively calm situation in the Luhansk region, recording no ceasefire violations other than training. Positioned at various locations in “Lugansk People’s Republic” (“LPR”)-controlled areas to the north and north-west of Luhansk city, the SMM heard numerous explosions, which it assessed to have been part of training exercises taking place in government-controlled Trokhizbenka (33km north-west of Luhansk).

In government-controlled Solidarne (145km north-west of Luhansk), the director of a factory that employs 60 of the village’s 400 inhabitants told the SMM that he feared the factory would close. He cited an unrepaired railway link servicing the factory, which he said had been damaged in shelling earlier in the conflict.

The SMM re-visited five Ukrainian Armed Forces’ heavy weapons holding areas, all of which corresponded with the respective withdrawal lines. The SMM found that a number of previously-recorded weapons were absent, namely five self-propelled howitzers (2S3 Akatsiya, 152mm) at one site, as has been the case since 24 July; and, four anti-tank guns (2A19 MT-12 Rapira, 100mm) at another site, as has been the case since 12 July.

The SMM observed the following weapons in areas that are in violation of the respective withdrawal lines: close to “DPR”-controlled Bezimenne (30km east of Mariupol), one main battle tank (MBT); and close to government-controlled Popasna (69km west of Luhansk), a 100mm anti-tank gun (MT-12).

In areas beyond the respective withdrawal lines, the SMM observed two anti-tank guns (100mm, Rapira) and an MBT (T-64) near "LPR"-controlled Lutuhyne (21km south-west of Luhansk). In addition, it observed eight self-propelled howitzers (2S1 Gvozdika) close to "LPR"-controlled Uspenka (23km south-west of Luhansk) and 19 MBTs (T-64) close to "LPR"-controlled Myrne (28km south-west of Luhansk), both training grounds.

At the three crossing points to Crimea – namely, Kalanchak, Chaplynka  and Chonhar (95, 90 and 162km south-east of Kherson, respectively) – the SMM observed a relatively calm situation with occasional arguments between some truck drivers and protesters (see Dally Report 22 September 2015). No cargo trucks were allowed through to Crimea. Two kilometres north of the Kalanchak crossing point, the SMM observed six to eight soldiers at a sand-bagged position. An infantry fighting vehicle with a mounted heavy-machine-gun was parked nearby.

In Mykolaiv (55km north-west of Kherson), a judge of the Mykolaiv central district court told the SMM that approximately 1,500 people – suspected of desertion from the  Ukrainian Armed Forces – are to be brought before the courts in the Mykolaiv region.

On 21 September, the secretary of the village council in Banyliv (40km west of Chernivtsi) told the SMM that the remains of two inhabitants – killed in fighting in the east in July 2014 – had been returned to their families in July 2015. He added that seven local men were currently serving with the Ukrainian Armed Forces in the east.

The SMM continued to monitor the situation in Kharkiv, Dnepropetrovsk, Odessa, Ivano-Frankivsk, Lviv and Kyiv.

*Restrictions on SMM monitoring, access and freedom of movement:

The SMM is restrained in fulfilling its monitoring functions by restrictions imposed by the parties and security considerations, including mine threats, and damaged infrastructure. The security situation in Donbas is fluid and unpredictable and the ceasefire does not hold everywhere. Self-imposed restrictions on movement into high-risk areas have impinged on SMM patrolling activities, particularly in some areas not controlled by the government. Members of the “LPR” continue to prevent the SMM from monitoring in some areas close to the border with the Russian Federation.

Denied access:

• Armed “DPR” members – in addition to threatening SMM members – denied the SMM passage beyond a checkpoint near “DPR”-controlled Zaichenko (26km north-east of Mariupol).

• On 21 September, armed “LPR” members did not allow the SMM access to an “LPR” training ground near “LPR”-controlled Uspenka (23km south-west of Luhansk), citing on-going live-fire exercises. Access was again denied the following day, with no explanation offered. While there, the SMM was also informed by an “LPR” “liaison officer” that access to the training ground in “LPR”-controlled Myrne (28km south-west of Luhansk) would be denied. No explanation was offered.

 

[1] For a complete breakdown of the ceasefire violations observed, please see the annexed table.

 

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Modern automatic aircraft cannons are a combination of artillery guns and rates of fire usually found on conventional machine guns. Some types of Russian-made canons can fire even faster than that.

ALMATY, Kazakhstan, 23 September 2015 – An OSCE-supported training seminar on water governance aimed at promoting regional co-operation through the exchange of knowledge and experience began today in Almaty, Kazakhstan.

The three-day event was co-organized by the OSCE Programme Office in Astana with Kazakh-German University and the Foreign Ministries of Germany and Kazakhstan. It brought together some 20 young specialists from all Central Asian countries and Afghanistan who will learn from experts from the United Nations Regional Centre for Preventive Diplomacy for Central Asia and the United Nations Educational, Scientific and Cultural Organization (UNESCO), about the best international practices and identify ways to incorporate them into national water management sectors in the region.

“Each of us understands that water co-operation in Central Asia goes far beyond purely technical and scientific co-operation,” said Dudar Zhakenov, Political Advisor at Kazakhstan’s Foreign Ministry. “This is one of the main tools in the fight against poverty and climate change, a factor of stabilization for social and economic development of our countries.”

Rati Japaridze, Economic and Environmental Officer at the OSCE Programme Office in Astana, said: “The OSCE attaches great importance to supporting young professionals in reaching their full potential so that they could generate innovative and creative solutions for addressing local, national and regional challenges”

Participants will exchange views on integrated water resources management as it relates to international law on trans-boundary water resources, as well as discuss the role of young professionals in enhancing water governance in the region, in particular through establishing the Central Asian Youth Water Parliament. They will also address the issues of climate change impact on water resources, data and information management in the regional water sector, regional agreements on water management and national legislations on water resources management.

The seminar is part of the Office’s long-standing efforts to promote regional co-operation in water resources management and is in line with the OSCE Chairmanship’s priority of fostering the increased participation of youth in decision-making processes.

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Negyven kötelezettségszegési döntést hozott szerdán az Európai Bizottság a tagállamok túlnyomó részével szemben a közös európai menekültügyi rendszer maradéktalan végrehajtásának elmulasztása miatt. Magyarország a menekültügyi eljárásokról és a menekültek befogadási körülményeiről szóló irányelvek átültetéséről szóló hivatalos tájékoztatás elmulasztása miatt kapott két felszólító levelet.