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Liaquat Ali Mirani
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Liaquat Ali Mirani   My Press Releases

Wages and purchasing power, consumption, taxes, savings, new fortunes, tax evasion, compared to the money.

Published on 8/4/2017
For additional information  Click Here

The financial crisis changed everything, changed everything. 
Wages and purchasing power, consumption, taxes, savings, new fortunes, tax evasion, compared to the money. 
Here is the direct and visible effects of the financial crisis. 
2 of 5 French can no longer live on their wages and are forced to use expensive overdrafts that will worsen their situation. 
The end is near ... The management of the budget is complicated: between debits which we do not necessarily know the exact amount, shopping, shopping, outings and unexpected, the French are doing more. 
So, bank overdraft becomes their friend and the French subscribe to it. 
A subscription which is very expensive at the end of the year. 
The French are increasingly leaving the French have increasingly resort to overdraft for capital spending. 
Good news for the banks and put a financial product to high. 
So while the banks allow overdrafts for relatively low amounts, the French are often exposed to much higher amounts. 
According to the study, 61% exceed the overdraft limit once a year at least. 
Some are obviously more subscribers than others, and the French are 1 in 4 (25%) to exceed their overdraft limit every month of the year. 
A strength, it becomes a real problem: bank interest costly (10% interest in case of unauthorized overdraft) which levitates the account fees that have reached record: 59,80 euros per year on average. 
The banks, they, are rubbing their hands in. 
At the end of the second quarter, the cumulative discovered the French current account represented 7.6 billion euros. 
Conversely outstanding revolving credit, called "revolving" continue their fall to $ 20.2 billion. 
So far in 2006 they exceeded 30 billion before the economic crisis (when discovered, they were in much more moderate inverse). 
A good deal for the banks, knowing that the average rate found in France stood at 10.02%. 
This is actually interesting for banks for overdraft amounts to a form of credit. 
Charity is a crisis means. 
All levels of society are involved in bank overdraft ... We could however think that the overdraft is something that affects only the least affluent households, saving the richest households by wealth. 
This is not the case: 52% of households with cash flow of over 3 000 per month exceed their overdraft limit at least once a year. 
Among households earning only 1500 euros per month or less, exceeded only affects some people more: 62% according to the study Panorabanques / RTL / Le Parisien. 
However, if all exceed the overdraft limit once a year, they are far more to exceed every month among the least affluent households (28%) than the richest (16%). 
Revolving credit is a kind of reserve in which the customer can easily draw, but the interest rate is very high: between 8% and 20% overall. 
The crisis creates new consumption patterns

"Men only accept change in necessity, and they see the need in the crisis," Jean Monnet. 
The crisis has changed the consumption patterns of the majority of French. 
Of 100 respondents, 64% say that the current crisis will permanently change the way they consume. 
New trends are emerging such as the search for the lowest prices or the refusal to take. 
Finally, facing the environmental challenge, a new way to consume more protective of the environment, is emerging. 
A debate on the purchasing power agitated society for many years. 
Higher housing costs, new fixed costs (Internet, mobile phone ...) and growing desires related to technological goods led consumers to want to save wherever possible: the daily food. 
Fueled by soaring some iconic products (baguette), the perception of a significant increase was then anchored in minds. 
The purchase "insightful" becomes a consumption engine: haggling is spreading and the price displayed is not the one you want to pay. 
Savings fall by the wayside Make a good deal allows people to show their intelligence against the market system. 
So, the search for information becomes a challenge for them and this, through the Internet and word of mouth, beyond conventional frameworks of marketing actions. 
Other iconic logic of this change were expressed during the January sales for example. 
Textile Purchases focused on the early days when markdowns reached 50% and were mainly used to make up deferred purchases. 
Others have pushed back their Christmas shopping for cheaper pay at balances. 
However, some products are not affected by the current crisis, namely the mobile phone remains a separate product or purchase intentions are even increased in recent years or chocolate. 
If monitor and control its purchases in turn becomes a source of pleasure. 
Among the new practices are: splitting costs making them more painless costs (fuel to 30 euros instead of refueling), shopping after eating or have them delivered to not be tempted by the super selection of shops, choosing surfaces human scale where the social link is given to the heart of consumption. 
Today there are solutions to deal with the crisis, Participative Funding platforms or called "crowdfunding" provide a coherent alternative to address them. 
Charity offers this alternative to help individuals, professionals and associations etc ... 
Charity has chosen to communicate many web conferencing, besides they are provided by the French Monday Wednesday and Friday at 21:30 on this link:net / register / 38002 / 89fe2eacd9 (open room 20 minutes before) You will have all the explanations free of how it works, benefits, conditions, amounts of donations and above all you'll reap by joining our community. 
It's like a system of tontine but international, come to web conferences you will know much more.

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