Finances.

Ploufragan trop prudente ?

La municipalité ploufraganaise aurait-elle tendance à trop vouloir jouer les écureuils ? La question se pose à la du du rapport de la chambre régionale des comptes qui a la loupe commune entre 2012 et 2016.

Comment est jugée la situation financière de la commune ? Déjà ” très satisfaisante ” après un précédent contrôle, elle apparaît encore meilleure sur les cinq années observées. La commune dispose en trésorerie p 6,34 M $ , en 2016. Son épargne est M $ à 1,72 M $ sur ladite période. Est faible, la commune n’a pas eu recours à l’emprunt et les dépenses de fonctionnement sont maîtrisées.  

Pourquoi une telle trésorerie ? Les produits fiscaux ont augmenté de 12 %ont par la seule revalorisation des foundations (les taux sont stables depuis 2005). En parallèle, les dépenses p 37,4 %, d’investissement ont fortement diminué. ” Par gestion prudente, nous avons anticipé sur la baisse de la dotation globale de fonctionnement “, explique Rémy Moulin, le maire. ” De même, nous avons reporté des projets. À côté, des chantiers pour lesquels nous ne sommes pas maîtres d’ouvrage ont été reportés “. Une prudence qui paraît toutefois ” excess ” pour la chambre.  

Pourquoi cette scenario interpelle la chambre ? Elle considère cette trésorerie ” pléthorique et non optimisée “, car elle n’est pas, ou peu, productrice d’intérêts et ne permet plus d’économies p frais financiers. De plus, le budget présenté par la jamais ne reflète pas la réalité de sa scenariopour l’équilibrer, elle inscrit chaque année des dépenses exceptionnelles, p 3,4 à 4,4 M $.  

Que recommande la chambre ? ” Un retour à l’orthodoxie budgétaire “. La Ville pourrait présenter un budget en déséquilibre excédentaire, ce que reconnaît le maire qui explique avoir procédé ainsi pendant des années ” sans que cela fasse l’objet p remarques “.  

Sur le fond, est-ce suffisant ? Non. La chambre relève un recours à l’autofinancement pour les dépenses. Ce qui peut paraître de bonne gestion cependant les contribuables sur lesquels repose des équipements. Cela a tendance à créer un déséquilibre générationnel. Malgré le l’emprunt, De plus, le fonds de roulement reste élevé. Pour la chambre, cela est dû à l’importance des recettes fiscales. 

Ce qu’il faut changer ? Alors que 13,9 M $ d’investissements sont prévus entre 2017 et 2020, la chambre suggère d’étudier différents modes de financement. Soit de maintenir le niveau sans emprunter, avec l’inconvénient évoqué ci-dessus pour le contribuable. Soit p recourir à l’emprunt et de diminuer les impôts ménages exemple 10 %, pour faire baisser l’autofinancement.  

Ce qu’en pense le maire ” La chambre livre une image à un immediate ” T ” qui est trompeuse auto elle n’a pas une vision globale de nos investissements. Nous allons panacher emprunt et autofinancement et encore, ce ne sera pas suffisant “, réagit Rémy Moulin. Quant à baisser la fiscalité, cela ne lui semble pas réaliste : ” Il faudrait arrêter les investissements ! ” .

en complément

Un autre élément à retenir dans le rapport de la chambre concerne la gestion des ressources humaines. Il apparaît que la base annuelle du temps de travail des representatives est fixée à 1.547 heures, selon un protocole d’accord en vigueur au sein de la commune. En la matière, Ploufragan ne fait pas figure d’exception. Pourtant, la loi fixe la durée légale à 1.607 heures et ” aucune dérogation n’est prévue dans les collectivités “, précise la chambre. Rapporté au nombre d’agents (165), cet écart représente 9.900 heures de travail perdues. À cela s’des congés supplémentaires là encore sans base légale, octroyés en fonction de l’ancienneté. Le total de jours payés mais non travaillés se monte 1.584, soit 7,17 équivalent temps plein. La chambre évalue le surcoût en charges de personnel à 320.000 $. Une régularisation de cette situation est demandée. Le maire objecte que les charges de personnel sont moindres que dans d’autres collectivités, ” donc on ne pénalise personne “. Le premier édile annonce l’ouverture d’une réflexion sur le sujetsur pour autant afficher la volonté de porter le nombre d’heures à 1.607. Prenant l’exemple p Lamballe Terre et Mer, où un accord a été trouvé à 1.584 heures, cette idée de compromis serait privilégiée.


Money: The first coin is on display in Denver

World’s Fair of Money in the Colorado Convention Center.

On the opposing side of the convention hall, a number of numismatists were getting ready for the doors to open to the general public.

“The very best portion of doing all this is to fiddle with the coin,” said David McCarthy, senior numismatist to get Kagins, Inc..

McCarthy removed a glass case shielding the prize piece of the collection of his company.

“This is the single coolest object I’ve ever handled and possibly I have ever seen in my life,” McCarthy explained, holding the silver coin. “What we are looking at is that the very first coin struck by the United States government shortly after the Revolutionary War.”

The coin is Called the most “1783 Plain Obverse Nova Constellatio Quint.” The front of the coin contains eye of God with ray of light shooting out representing the 13 colonies. Kagin’s, Inc. bought the coin at auction four decades back, and McCarthy was researching it since.

“As it was found, it was like another coin and people called it that the Form 2,” McCarthy explained. “For 150 decades, each time somebody looked at this particular coin, because of the title, people immediately assumed it had been created later.”

McCarthy had a hunch that the coin had been special, but wanted proof.

“I had to look at this coin and another coins associated with it incredibly closely and examine them very carefully,” he explained. “The more I looked in it and the more I found out about how the coins were struck and the full scenario around the development of these stuff, the more clear it became that this really was the very first person.”

McCarthy is now convinced founding mothers handled the coin 234 decades back.

“Alexander Hamilton almost certainly held this coin in his hands,” he explained.

McCarthy stated the guy who helped finance the American Revolution, Robert Morris, had the coin and corresponded with Hamilton concerning it.

“It’s an object I understand changed the entire world,” McCarthy explained. “We would not have the dollar we have now if it weren’t for this particular coin.”

The coin would have been worth 500 units in a 1000-unit system that was suggested. McCarthy reported the coin is the first coin struck in Europe or North America.

“If you have ever made change and you have managed to determine what you are owed as it’s possible to divide by ten in your head, that’s because of this coin,” he explained.

Two weeks after the original coin has been struck, a pair of coins had been created and delivered to congress, McCarthy said. The set was sent to Thomas Jefferson.

McCarthy stated he could not put a value on the original coin, but also the firm has got it insured for about $ 5 million. It’ll be on display in the World’s Fair of Money.  

Admission is $8 to the general public; complimentary of ANA members and children under 12. Admission is free on Saturday, August 5.

© 2017 KUSA-TV


New Yearâ$™s Settlement For Students: Handle Your Finances By Spending Less And Saving Cash : Finance : University Herald

Dec 30, 2016 07:03 AM EST From Jane Reed, UniversityHerald Reporter

For 2017, it is time to start being mindful about money. Financial experts say that there are mindfulness tools out there that can prevent a person from gaining unnecessary purchases
People carry shopping bags across Oxford Street
(Photo : Jack Taylor/Getty Images)

So as to become anxiety complimentary, huge numbers of people choose meditation and mindfulness for a source of relief. Deciding on the two can aid a person, not only get pressure relief, but also achieve response and a better human anatomy. Becoming mindful of the health of one by meditating might help someone achieve a far better wellbeing.   For 2017, it is the right time to begin being mindful about money. Financial experts say that there are out sourcing instruments out there that could stop someone from getting unnecessary purchases that could create pressure or strain (in the pocket or bank account), as reported by .

Leah Weiss, A Stanford University Gradaute School of Business instructor, stated that being mindful as it has to do with money could be viewed as the deliberate use of attention. Weiss teaches mindfulness and compassion at the school.

How can you achieve mindfulness? Here Are a Few Tips that can help ease the pocket:

Check your spending habits

It’s important to Begin with a financial cleanse, as posted at . Financial planner Carrie Schwab-Pomerantz says starting with a financial cleansing means obtaining a handle on where your money goes. Use money for daily expenses for a month and monitor it. It’s quite a bit more painful to part with money than plastic. This produces an awareness in purchases.

Find out more about Schwab in this video

T is crucial to develop the art of paying attention. Purchases stop. Paying attention means stopping to think before purchasing the product.

Be specific about targets. This way, a person could turn into a conscious customer. One can begin with being aware in regards to environmental impact of what he purchases.

Make spending a purposeful activity

Can purchasing this thing make you happy following a few hours? Tomorrow? The week? If someone feels regret after purchasing an item, then spending becomes meaningful.

Are you currently preparing for 2017? Post your comments below.

© 2016 University Herald, All rights reserved. Don’t reproduce without permission.


Online Cash loans: Best Choice for Urgent Extra Cash Wants — My Investment — Finance Magazine

Financial stability takes time to build, it isn’t just about saving for prospective but also constructing reputation in the market in terms of credit score and credit score and closing them. Then you will be found by banks as a qualified applicant to give loans again and again.

Even in case you default just once or one due, you’ll be included from the defaulters list and they’ll be unwilling to give you loans and you application will be declined just like that and you will revealed doors even when you’re in a terrible financial crunch.

You may be financially secure; however there are moments in your life whenever you’re in need of finance for your emergency needs that ought to be met out immediately. You understand you will receive pay check within couple of days. But you’re in urgent need for cash. Money loans that are online can offer the ideal solution, since you need instantly to you and you cannot await your salary. Applying for the personal cash loan is the best idea.

The finest online cash loans have been provided through major loan websites on the internet and by fulfilling with the requirements set with these lenders. The whole procedure of applying can be achieved over online as well as the application’s processing happens over online. As the process right from applying for a loan to obtaining the loan simply happens more than online, this makes those loans as a free one without a sophistication in the procedures and very fast loan processing.

Cash loans that are online require only few requirements for acceptance that everyone can qualify to apply for the loan. The loan lender asks you some simple information. Submit the pay slip and the applicant have to have work.

Some lenders request to submit bills on your name. The common requirements for Internet cash loan are

1. The applicant should be a citizen of United States
2. The job status should be permanent working less than half an hour
3. The applicant should provide the financial details.

Make certain the right contact information is submitted by you and the files are full with details.

As you have terrible credit you can worry of having an urgent loan in time since this may worsen your situation to satisfy your expenses. Luckily, credit is not considered by most creditors. Whatever might be your credit history, it won’t impact your chances of getting acceptance of the cash loan.

Interest that is significant is required by online cash loans for the money however it is still the best option ashen you’re in need of cash. Provided that you’re positive you could cover the loan amount, you don’t need to worry of their debt accumulation and not even think about getting a poor credit record.


Judy Lawrence of MoneyTracker.com: Learning Taking Charge of Your Finances and to Manage Money

Judy Lawrence is the author of The Budget Kit (6th Ed.) And founder of MoneyTracker.com.     As a money trainer, Judy’s objective is to empower people to learn their budgets and shift to “flourishing” instead of “living” She recently sat down with us to acquire some valuable advice concerning budgeting, paying (and remaining outside of) debt, and saving money instead of squandering it.

Tell us a little about your own background. Are you excited about money management and personal finance?

My passion is finding ways to avoid waste of all kinds, such as capacity. If people have not learned expertise and core money management theories to move into a mode and get stuck at the manner that was living, their potential for pleasure, empowerment, and also contribution is lost or diminished. I would like people to understand that they  can   learn to control their money; but first they need to know the tools and the potential are available.

Is managing money and personal financing harder today than in previous generations? Why or why not?

Yes and no.

Both generations have pitfalls and advantages. The previous generations had financially easier lives because of fewer choices continuously tempting them , less access to credit, and fewer fundamental needs (cell phones, electronic equipment, etc. didn’t exist). Plus, in some cases they were learning about home budgeting at high school (at least with my experience growing up in Wisconsin). Prior generations did not have access to the very same resources and tools of today nor did they create as much money if there was only one income earner in the family.

The generation of today definitely has more of that which: choices income, money management tools, apps, applications, and unlimited resources on currency management. Many generations have a hard time understanding why the present generation cannot survive to the income they get. Just because a lot of information exists does not mean it is being accessed by people, understanding it, or using it effectively. And there’s also continuing confusion over money, labor challenges anxiety, and the debt burden. Even with the abundance of tools and resources on every facet of finance, you can imagine how private financing are harder .

As you teach an e-course known as “Budgeting Without Tears,” would you tell us some of the biggest frustrations or challenges people have in regards to establishing a family budget?

Not making money is the stressor, especially without strong budgeting abilities to learn to manage that restricted income. Yet attempting to figure out how and where to begin with establishing a budget having a decent income–could be extremely confusing, frustrating, and overwhelming with no knowledge, theories that are understandable, and tools.

Also, there tend to be a great deal more “moving parts” and chaos within households that might make it tricky to manage financing, such as families, variable incomes, leasing properties, investments, along with active children involved in many different expensive activities. And oftentimes, there’s not enough time or energy to get together with what going on with their private and professional lives.

All this is related to the dilemma of life overload that is overall. Today’s customers are completely overloaded with choices: lifestyle, basic requirements, and the media (to mention a few). Customers wind scattered, leaving little time to deal for gaining achievement and financial assurance.

Ongoing practice will help build and enhance confidence. It will also strengthen the ability to make prudent financial decisions, manage daily financing, save money, and learn to spend money, gain research abilities that are better, and help individuals to truly own their assurance and achieve success.

Have you got some suggestions to help those that are making an effort to pay off debt, remain disciplined, and remain focused on their debt-repayment goals?

  • Start by knowing your compelling “Why?” What desire will allow you to stay inspired to enter the mindset and also make the modifications to remain focused and disciplined?
  • Produce a sensible deadline for paying off the debt and a successful strategy for doing this.
  • Take advantage of different snowball calculators to determine how much you can pay every month and how fast you can pay off the debt.
  • Create a couple of habit modifications to free up an extra $50 — $100 per month and use that money toward your own debt repayment. It’s bringing your own drinks and lunches to work. Or try reducing your online shopping to “Requires” vs “Wants.” Consider trading, bartering, instead of buying every small thing or performing rentals.
  • If you’re into apps, discover an app you enjoy that will help you monitor your custom changes and how much you’re saving. This will give immediate positive feedback to you.
  • Construct in little rewards for sticking with your subject and concentrate each week–a thing which is very satisfying and not necessarily expensive or impacting your food plan. Ideas comprise: “you time,” dog moment, walks, reading, watching a favorite movie, or something you wish you’re doing.

What are several signs which indicate when a person could need external help managing their personal finances?

  • There appears to be more month than money by the last week of each month or a few days away from the paycheck, and it is now a monthly event.
  • Your credit cards have become your backup for basic family needs like groceries and fixed monthly invoices.
  • You can hardly pay the minimums on the credit cards and the accounts are going up.
  • You attempt to acquire more money to pay your monthly expenditures by resorting to payday loans, stopping your 401(k) contributions, or borrowing from family and friends… or your child’s savings.
  • You do not want to start out your bills anymore.
  • You can’t sleep at night and get distracted at work because of the financial strain.

What advantages might a prepaid debit provide somebody who’s fighting with money management?

Part of money management is currently staying on top of invoices. It’s not necessarily an issue of not enough money, but instead streamlining the financing and attempting to have organized. For every one of your invoices using prepaid debit cards, it is possible to set up. Will you have more peace of mind, but also a credit score if those credit card invoices are paid punctually.

Also, the last thing a person needs when fighting with money management is losing per penny to penalties. Green Dot prepaid cards possess simple fees–nothing hidden–so you understand just how much to budget. Plus, having up set invoice payments on a card card will help prevent late or missed payment fees, which puts money back into your pocket.

What is the benefit of employing a prepaid debit card instead of a traditional debit card that’s linked to your bank account?

Convenience is probably the biggest advantage. You are able to use prepaid debit cards to make purchases with or without a PIN, it accepted nationwide, and you are able to monitor your spending on line 24/7.

Ultimately, give us one thing we could start doing TODAY to save money which the majority of people frequently don’t think about.

Here are three:

  • Slow down.  The US Department of Energy estimates that for each 5 mph you raise your speed over 60 mph, you’re paying $0.21 extra per gallon of gasoline (based on a cost of $3 per gallon). Do the math and see how much you could save!
  • Consume all the groceries you purchase  so you’re not left throwing away leftovers, expired containers of food, and older spoiled produce.
  • Borrow(from a buddy, library, or other sources) instead of buy… you truly don’t need to possess books, CDs, DVDs, tools, etc.. Borrow as much as possible and only buy what you require.

Need to apply a little more control over your finances?   Buy a Green Dot Prepaid Debit Card now! View Green Dot’s simple fees here.

This short article was written and contributed to the Green Dot site by Judy Lawrence of all MoneyTracker.com. The views and opinions expressed here are those of the writer and don’t necessarily represent the views of Green Dot Corporation. For more from Judy, visit MoneyTracker.com.
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