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Archive for the ‘Credit Agricole’ Category

REDWOOD CITY, CA–(Marketwire – December 1, 2009) – Nimsoft, a fast growing provider of IT performance and availability monitoring solutions, today announced that it will deliver its Nimsoft Monitoring Solution (NMS) for IT performance and availability monitoring to Deutsche Bank.

Nimsoft is one of the first major suppliers of monitoring software to meet the requirements of Deutsche Bank’s variable commercial Service Oriented Infrastructure (SOI) model. NMS is scalable enough to handle the company’s needs, while at the same time being extremely easy to use and deploy. Aligned to Deutsche Bank’s SOI model, Nimsoft monitoring and capacity capabilities will provide quality of service metrics via a bus architecture to the company’s central event and capacity management systems. These open systems in turn will provide detailed insight into the health and performance of the underlying infrastructure.

The flexible Nimsoft licensing model allows the Bank to take advantage of a pay-as-you-use principle. Overall, the Bank will be able to achieve significant cost savings over the life of this agreement.

“During the evaluation process, we not only proved our ability to monitor the IT infrastructure, but also demonstrated unparalleled scalability, breadth of coverage, and quality of support,” said Gary Read, Nimsoft president and CEO. “Signing an agreement with a leading brand like Deutsche Bank is a tremendous validation, not only of our next-generation solutions, but the company and people that stand behind those solutions. Deutsche Bank has become the second of the world’s major Investment Banks to implement the Nimsoft monitoring solution.”

NMS represents next-generation offerings for monitoring the performance and availability of the entire IT infrastructure, both physical and virtualized. The Nimsoft Monitoring Solution is comprised of fully integrated event, performance and availability, end-user response, service level and business service monitoring. The deployment at Deutsche Bank will be focused on server subsystem/virtualization monitoring, however will also include application monitoring to cover infrastructure services such as email, web, messaging and application hosting.

About Nimsoft

Nimsoft is a fast growing provider of next-generation performance and availability monitoring solutions for the complete physical, virtual, and cloud-based IT infrastructure. Nimsoft solutions redefine the standards for ease of use and speed of deployment — providing outstanding return on investment and unparalleled customer satisfaction. Over 850 customers in 36 countries rely on Nimsoft solutions to monitor their IT-based business applications and services, including cloud environments. These customers include mid-market and global organizations, such as Barclays Capital, Amway Corporation, Bay Area Rapid Transit, Ladbrokes, MTU Aero Engines, TriNet, and TRW Automotive, and hundreds of leading managed service providers, such as CDW Hosting Services, ENKI, Thomas Duryea, Easynet, and Rackspace Managed Hosting. For more information, visit www.nimsoft.com.

Nimsoft and the Nimsoft logo are trademarks or registered trademarks of Nimsoft Inc. All other company and product names may be trademarks or registered trademarks of their respective companies. © 2009 Nimsoft Inc. all rights reserved.

Le Prélèvement Libératoire : Pour les revenus fixes mais à quelles conditions ?

Le prélèvement libératoire est un prélèvement à la source de certains produits financiers à revenu fixe. Jusqu’en 2004, le prélèvement libératoire était consacré aux produits de placement à revenu fixe. Depuis le 1er janvier 2005, le prélèvement libératoire s’étend sous conditions à certains produits comme ceux en provenance de la Communauté Européenne ou de l’Espace Economique Européen. Le montant de la totalité de ces produits soumis au prélèvement libératoire doit être porté sur la déclaration des impôts sur le revenu page 2, lignes EE et DH.

Le prélèvement libératoire est une option que vous devez choisir chaque année au plus tard au moment de l’encaissement pour les produits à revenu fixe suivants :

Les fonds d’Etat, les obligations, les titres participatifs et autres titres d’emprunt négociables émis par les collectivités publiques ou privées françaises, les sommes versées sur les fonds salariaux, les bons de caisse émis par les banques, les cautionnements et comptes courants, les bons de capitalisation et assimilés, les primes de remboursement afférentes à des bons ou obligations émis en France à partir du 1er juin 1985, les billets de trésorerie, les certificats de dépôt, les bons des institutions financières spécialisées et bons de Trésor en compte courant et les bons des sociétés financières. A savoir que ces produits ne doivent pas être pris en compte pour la détermination du bénéfice imposable d’une entreprise industrielle, commerciale ou d’une profession non commerciale.

Le prélèvement libératoire est une option. Vous devez la demander auprès de l’organisme bancaire qui gère vos capitaux mobiliers.

Dans certains cas, le prélèvement libératoire est appliqué d’office. Il s’agit des produits comme les bons du Trésor, les bons d’épargne de la Banque Postale, les bons de la caisse nationale du Crédit Agricole, les bons à cinq ans de participation au développement du marché hypothécaire émis par le Crédit Foncier de France, les bons émis par les groupements régionaux d’épargne et de prévoyance et les versements en compte sur livrets. Mais vous gardez toujours la possibilité de supprimer le prélèvement libératoire et de choisir l’imposition sur le revenu classique.

Il faut savoir que les contribuables imposées dans la tranche de 14%, c’est-à-dire un revenu imposable inférieur à 24872 euros pour un célibataire ( y compris les revenus de l’épargne ), ont intérêt à renoncer au prélèvement libératoire.

Le prélèvement libératoire de 27% est un choix. Vous pouvez chaque année changer de régime en cas d’évolution de votre revenu global et inclure vos produits d’épargne dans vos revenus imposables.

If you have a bank account in France, it may be advisable to note the following:

Never issue a cheque without sufficient provision in the bank to meet it. If the cheque is not met, the matter will be reported and the Banque de France can impose a ban called Interdit Bancaire. This means that for 5 years you would not be allowed to issue cheques. Also, do not write open date or post dated cheques. Note that when paying by card in France, you are using the ( CB )Carte Bleu payment.

The savings account = compte d’ epargne.

The long term savings account = compte d’ epargne logement.

The tax exempt savings account = codevi

The current account = compte courante

An overdraft = decouvert

The clearance of a cheque = encaissment

The ATM machine = distributeur or guishet automatique

The balance = solde

The statement of account = releve de compte

The permission to debit your account the provider is asking = titre inter bancaire de payment ( TIP )

Interest rate = taux

Account holder = titulaire

Transfer of funds to some other account = virement

Detailed particulars of your account and bank = releve d’identite bancaire ( RIB )

Direct debit = prelevement automatique

If you are repaying a mortgage in France, make sure that you keep up the payments

in time. This applies also to any other loans you might have, because to get black listed does not take too long.

Mostly, foreigners who open a bank account in France are those who wish to buy a property there. It is imperative to have an account because there are so many things to be paid when one owns a house. Water, gas, electricity, not to mention other payments before one even moves in.

For instance, you must pay the French notary who deals with the matter of exchange of contracts as well as all the searches regarding the property. One must bear in mind that he does not work for the buyer or the seller, but works for the State. Never be late in paying him.

Still talking about money, it might be worth your while to give serious time to understand the French inheritance law. There is a big difference regarding this subject compared to other areas of the world, and before doing anything else, make sure you really study the situation.

Here is a list of some of the big banks in France: Le Credit Agricole, Banque, Populaire, BNP Paribas, Caisse d’ Epargue, Credit Mutuel, Societe Generale ,HSBC, Barclays.