Kim Kardashian affair: how is precious jewelry secured?

Kim Kardashian affair: how is precious jewelry secured?

During the night from Sunday to Monday, the American star kim kardashian suffered a robbery in a Parisian palace that, according to a judicial source, amounted to 9 million euros, that is, 4 million euros for a ring and 5 million euros for a jeweler. Two mobile phones were also stolen. If the incident is confirmed, it would be the largest jewelry theft committed against an individual in more than 20 years. And if the loss were assured, it would also be a record for the market. For example, the largest loss compensated by Hiscox in Europe amounts to just over €2 million. It was not a case of robbery but of accidental breakage of a ruby ​​cracked during a fall: the amount compensated included the repair and depreciation of the precious stone.

How are celebrities’ jewelry insured?

HE Human resources management contracts Designated risk does not automatically cover jewelry (must be specified) and coverage is limited. “ For example, if the insurer covers the home for €100,000, it will reserve between €40 and €50,000 for valuables (rugs, beautiful furniture, collectibles, etc.), of which €25,000 for jewelry. “, noted Jean-Christophe Perrindirector of private clients for Aon Risk Solutions. And the insurance only works at home. However, several insurers offer comprehensive plans that offer better coverage. The weight of jewelry insurance can then be divided into three segments: safe in the bank, safe at home and worn. We will then talk about guarantee in all places or throughout the world. There are guarantees for theft but also for unexplained loss or accidental breakage.

What is the market appetite?

Jewelry insurance remains a niche market. The main players in the market are Albingia, Amlin, Axa, Chubb, Generali, Hiscox, Lloyd’s and XL Catlin. “ Insurers have never had much appetite for jewelry because they are assets that have a high accident rate.notice Jean-Christophe Perrin. It is less complicated to rob a private individual than a jewelry store, and also less complicated to steal jewelry than a Norman wardrobe during a home invasion.. » This loss experience can be explained, first of all, by the specific clientele of these insurance products. The loss rate for individuals, estimated at 11 per 1,000 by the FFA, increases to 29 per 1,000 among high-end clients, according to observations by the insurer Hiscox. “ Violent robberies increase “, accurate Nicolas Kaddechehead of art and private clients at Hiscox Insurance, indicating that it periodically compensates losses of between 400 and 500,000 euros in France. Under these conditions, insurers remain very cautious. “ It is difficult to find adequate guarantees for policyholders who have a high proportion of jewelery among all their valuables.noted Jean-Christophe Perrin. We can consider that it is very difficult to locate the risk when we estimate that the proportion exceeds 30 to 40%.»

Can changes in policyholder practices contribute to insurer reluctance?

The American star kim kardashian She regularly posts photographs of her jewelry on the Internet. Last weekend, she even posted a photo on Instagram of the ring that was allegedly stolen. “ We are getting closer to a permanent exhibition », indicates a broker specializing in high-level clients with a smile. “ This could invalidate a contract by considering that the insured caused the risk.says Nicolas Kaddeche at Hiscox. However, we do not position ourselves this way because we favor a long-term relationship of trust with our policyholders.»

What are the obstacles to insurance on a personal level?

The French market estimates that 15% of high-level clients, around 200,000 people, have taken out specific insurance. “ We have identified a series of obstacles to insurance, the first being the memory of the period from 1981 to 2004, when insurers had the obligation to declare to the State insurance contracts exceeding 15,000 euros. This provision has already passed but has remained in the collective unconscious, developed Jean-Christophe Perrin in Aon. We can also mention the distrust of customers regarding reimbursement levels, the undervaluation of goods or simply the feeling of already being well insured by their human resources management.. » Jewelry insurance therefore remains a delicate exercise.

Obsolescence coefficient: principle and assessment.

Obsolescence coefficient: principle and assessment.

When resolving a claim, the expert commissioned by the insurer usually indicates an obsolescence coefficient. Meaning, justification and calculation method of this important element of your compensation.

Capital video: What is a deterioration coefficient?

© Henrik Sorensen/Getty Images

Definition of obsolescence

We classify as “obsolete” something that has aged, something that wears out due to repeated use or poor maintenance, or even obsolete based on its age and the surpassing of its technical criteria, and that therefore suffers depreciation. Therefore, we can define obsolescence as the loss of value of a property as a result of its aging and wear. It intervenes in determining the value of the insurance when resolving an incident.

>> Read also – Water damage: what to do?

Why apply a deterioration coefficient?

Based on the principle of compensation according to which insurance cannot be a source of enrichment for the insured, the compensation paid by the insurer cannot exceed the value of the insured property at the time of the incident (article L121-1 of the Insurance Code) . To respect this principle, it was decided that an amount corresponding to the obsolescence of the insured property would be systematically deducted from the compensation paid.

Obsolescence assessment

Your evaluation results from experience. The expert estimates obsolescence and expresses it through a rate (or coefficient) that varies according to the nature of the property and its age. Experts base their estimates on tables that indicate the obsolescence rate and the applicable maximum limit, which can vary depending on the insurer. Thus, movable property will generally be subject to obsolescence of around 10% per year with a maximum of 80%. Computer equipment will be subject to obsolescence of approximately 20/25% annually, with a cap of 80%.

The rest under this announcement.

The rest under this announcement.

Compensation, which is generally based on use value, will be calculated by deducting from the new replacement value a reduction corresponding to obsolescence. The method of calculating obsolescence is explained in general terms based on the nature of the goods and the guarantee formulas signed in the general conditions of the contract.

Good to know : Very old and degraded properties have the obsolescence applied to them limited (often to 80%). The insured is then compensated by paying what experts sometimes call “residual value,” a concept derived from the book value of a company’s assets after their depreciation is complete.

Regarding individuals, we can distinguish 3 types of properties for which the estimation of the obsolescence coefficient differs.

Movable property

Everything that constitutes “furniture”, represented by the total capital insured on the contents of the home, is made up of elements that do not have the same useful life;

The rest under this announcement.

  • “Furniture” furniture (beds, wardrobes, chests of drawers, tables, chairs, sofas and armchairs, etc.) have a longer lifespan than household appliances (5 to 8 years maximum).
  • Clothing and bedding also have rapidly decreasing value due to wear and tear as clothing goes out of style.
  • Electrical and electronic devices also have a limited useful life (planned obsolescence) and quickly become technically obsolete due to the constant advancement of new equipment (as proof, remember that for tax purposes the administration allows the depreciation of a computer over 3 years ).

The expert evaluates the deterioration little by little according to the nature of the object, its age and its state of maintenance (hence the interest in being in possession of the purchase invoice and maintenance/repair invoices)

Real estate

Regarding buildings and constructions, in multi-risk housing contracts they are subject to a guarantee in “reconstruction value as new”. However, in this case, the expert determines two values:

The rest under this announcement.

The rest under this announcement.

  • The market or use value, or deduced deteriorated reconstruction value: is the price that could have been obtained from the sale of the property in the local real estate market before the disaster (estimation made by a notary or a professional based on the price half of m²). From the market). In fact, initially, and until the insured has provided proof of the reconstruction/repair (presenting the paid repair invoice), compensation is based on the cost of the reconstruction on the day of the accident, less the deterioration preserved by the expert. and within the time limit of the market value (if this is lower).
  • The replacement value: secondly, if this amount is insufficient to carry out the work, and provided that the reconstruction is completed within a maximum period of two years from the incident occurring, the insurer will pay an additional compensation called “new value”. and Limited to 25% of the initial market value, deducting obsolescence.

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Example : Take the case of a villa destroyed by a fire and the value of rebuilding it in an identical way is estimated at 200,000 euros. The expert estimated the deterioration at 25%. Its deduced dilapidated reconstruction value is therefore: 200,000 x 75% = 150,000 euros. Since the contract includes the “replacement value” guarantee, the owner will initially receive compensation of 150,000 euros, then, if the reconstruction is completed within 2 years, 25% corresponding to the replacement value will be paid. the presentation. of reconstruction bills paid. On the contrary, if the deterioration is estimated at 30%, that is, 60,000 euros, with a compensation limit of the “replacement value” of 25%, you will only receive 50,000 euros for this concept.

Good to know : Generally, the replacement value of buildings is provided for in the contract in the basic guarantees. But when it comes to furniture, it is usually offered as an option.

precious objects

Jewelry, precious stones, fine pearls, art objects (statues, valuable paintings, sculptures, bronzes, etc.), collections, antiques, etc. All these goods are not, by their very nature, subject to obsolescence, and if they are in good condition, their value cannot bear a reduction.

The rest under this announcement.

The rest under this announcement.

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In Argentina in recession, the sacrifice of family jewels: News – Orange

In Argentina in recession, the sacrifice of family jewels: News - Orange

In an Argentina in recession, with anemic activity, a business flourishes: the sale of the grandfather's watch or the great-grandmother's wedding ring. A liquidation of family jewels that is increasingly necessary to make ends meet.

“When debts suffocate you, affection is put aside,” says Mariana, in a pawn shop in the Once commercial district, who does not want to mention the amount received in exchange for her watch, a gift from her grandfather-father. her father for her graduation.

Mariana, who does not want to give her name, confesses to AFP that, at 63 years old, her retirement as an employee of the judicial administration is no longer enough to cover her expenses, in a context of inflation of 72% since the beginning of the year and 276% in twelve months.

The money from the watch, he explains, will be used to pay “current expenses and various arrears of the mutual health insurance company.”

At noon, at an intersection on Once, the contrast is striking: a shoe store is empty, while the waiting rooms of the jewelry stores are full. “We buy gold,” their signs say, in big gold letters.

– Three times more transactions –

In “El Tasador”, one of the best known, a dozen clients wait in a vaguely Art Deco room.

If the evaluation is conclusive, they will leave “on the spot” (immediately), with the value of their jewelry in cash, promises the store, which in 50 years of business prides itself on guaranteeing “privacy and security” to its customers. -Increasing number of clients.

Currently, El Tasador carries out around 300 transactions daily, three times more than last year.

“Recently there have been a lot of people, I think because of what the country is going through. People who had pieces that perhaps they had not planned to sell, but decided to do so, because they could no longer make ends meet,” Natalia, one of the four experts at the store, who does not give her name, told AFP. “for security reasons”.

“We increased capacity and hours, because people were crowding and we couldn't keep up,” he adds.

This trend is driven by television programs or videos on YouTube, with evocative names – “The value of your dreams” – halfway between reality shows and promotional clips.

But, above all, it is the melting of purchasing power, strangled by chronic inflation and a brutal devaluation of the peso in December, which has pushed some Argentines in recent months to empty their savings hidden “under the mattress,” according to one popular expression. . And now, to liquidate your jewelry.

– A bitter “golden age” –

“The situation is complicated, life in Argentina is very expensive,” complains Daniel, a 56-year-old unemployed accountant, who visits the most modest stores to sell a small silver keychain. He is horrified that they offer him barely more than a metro ticket (60 euro cents).

The peak of resales, “is the end of the month, the time of billing,” says Carlos, manager of a jewelry store, also on condition of anonymity.

“The classic is the wedding ring, but they also bring Victorian jewelry, from the Belle Époque, from grandparents or great-great-grandparents, unique pieces,” says Natalia.

Despite poverty that officially affects 42% of the population, it is not uncommon in Argentina for modest households to own gold jewelry.

“In the 70s, more and more people had access to gold, anyone could wear a ring, men could wear gold cufflinks or tie pins, girls received a gold watch at the age of 15,” recalls the evaluator.

For a long time now we no longer wear this jewelry on the street, for safety reasons. On the other hand, they sell.

“Gold has always been sold, reflects Natalia. What has changed is the 'why'. Before it was to finance a project, a renovation, a car, a party… Today “it's because I can't.” over the months+, +bills have increased+ or +I find myself out of work+”.

Record gold prices boost jewelry recycling

Record gold prices boost jewelry recycling

Record high gold prices are weighing on overall demand but driving recycling of the precious metal, with people ditching their jewelry to take advantage of the high prices.

“Historically, there is a close relationship between the price of gold and recycling, because when prices rise, people tend to sell their products to take advantage of the high price levels,” Krish Gopaul, an analyst at the World Gold Council, told AFP. Gold.

According to the World Gold Council (WGC), mining production typically accounts for around 75% of the world's supply of the yellow metal each year. The rest of the supply is secured through recycling.

Since the beginning of the year, the price of the precious metal has risen more than 13% to reach the all-time high of $2,431.52 on April 12, driven by expectations of a drop in American interest rates that makes the dollar less attractive. .

The growing geopolitical tensions with the war in Ukraine and that between Israel and Hamas also contribute to the appetite for gold as a traded asset, due to its traditional safe haven nature.

These high prices, on the other hand, hampered global demand for gold in the first quarter (-5% year-on-year), but are driving recycling.

“Recycling is the source of gold supply that responds most immediately to economic and price shocks,” says the World Gold Council, while, in contrast, mining production fluctuates more slowly due to “long delays between the exploration and discovery of new deposits and the entry into production of a mine.

The OCM thus found a 12% increase in recycling in the first quarter year-on-year, a maximum since the end of 2020, according to a quarterly report.

“Unlike many other metals, gold is, in a sense, infinitely recyclable,” without losing its properties, notes Krish Gopaul.

Almost all recycled gold comes from jewelry, and the rest belongs to the technological sector, where gold is used for its many virtues: robustness, excellent conductivity but also for the fact that it does not oxidize or corrode.

Lack of alternatives

Gopaul notes, however, that some gold owners are holding on to their assets in the face of macroeconomic and geopolitical uncertainties, counting on potentially even greater long-term gains or wanting to hold an asset at a value that will hold up even in periods of turbulence. .

This is, for example, the case of Turkey, a country plagued by hyperinflation and which has experienced an impressive depreciation of its currency.

In these markets “there is also a lack of valid alternatives to gold” that offer the same performance in times of crisis.

“When times are tough, gold is an asset that many people want to hold onto,” explains Krish Gopaul.

“This is one of the reasons we think the amount of gold people are willing to resell is still lower than in the past during price spikes,” he continues.

Unlike the demand for jewelry, which was affected by the high price of gold, purchases by central banks continued, totaling 289.7 tons during the first three months of the year, and monetary institutions also favored the yellow metal for its virtues of protection against inflation and geopolitical risk.

If prices remain high in 2024, “recycling should continue, as in the first quarter, in response to the rapid increase in prices,” the Council notes in its quarterly report.

To see on video

Lawyers are demanding the right to receive clients regardless of the curfew before the State Council

Lawyers are demanding the right to receive clients regardless of the curfew before the State Council

The curfew decree did not include an exception that would allow people to access a lawyer. The profession has decided to challenge this text before the Council of State as part of a summary procedure discussed this Thursday.

UlyssePixel / AdobeStock

Thursday, February 25 at 3:00 p.m. Lawyers in the State Council demanded the opportunity to receive their clients despite the curfew. A temporary relief against the text preventing them from doing so was initiated by the Montpellier lawyer, then joined by the Conference of Presidents, the National Bar Council (CNB), the French Lawyers Union (SAF), the National Federation of Young Lawyers. connections (FNUJA), as well as about ten bars, including Paris, Seine-Saint-Denis, Toulon and Martinique. The session is one judge, presided over by Fabien Reynaud.

The right to an effective remedy and therefore the right to see your lawyer

The subject of the dispute to be resolved is the following: in the face of the second wave of the epidemic, the Prime Minister first issued a general detention (decree of 29 October 2020), during which it was possible to get to his lawyer by diversion. then at 8 pm (decree of December 14, 2020) and finally at 6 pm (January 15, 2021 No. 2021-031). It is the latter that lawyers object to, because the text does not include an exception that allows the parties to refer to their lawyer. However, their clients most often have work that prevents them from coming during the day. Attorneys, on the other hand, are often in court at authorized times. As a result, only meetings at the end of the day are suitable for everyone. What the curfew does not allow anymore. The profession therefore believes that the text violates the right to effective recourse, which implies the possibility of defense by a lawyer.

If the lawyer of Montpellier is at the head of the complaint, it is because their prefect first interpreted the text as authorizing lawyers to receive their clients before withdrawing. Other departments, including Bouches-du-Rhone, suffered the same fate. Therefore, the first question of the President, Fabien Reynaud, to the government representatives:

– How should we understand the text?

— The government agreed not to use the second imprisonment exception. The curfew applies to non-professional travel to see a lawyer,” replies Jean-Francois de Montgolfier, director of civil affairs and seal at the Chancellery.

But, he explained, lawyers can work outside of this as part of their professional activities, and receive clients or travel to their homes as they require on a professional level. And the representative of the Ministry of Justice recalled that at the General Assembly of the Conference of Presidents, on January 29, the Minister of Justice himself stated that he was not in favor of granting the idea of ​​release to lawyers.

“- How to evaluate professionalism? asks the president. An employee who has a dispute with an employer and wants to consult a lawyer, is he a professional or not? If the answer is no, which seems to me to be the case, the employee who initiated the lawsuit is not in a professional context, but by the same token the business manager is in a professional situation… we get it, but still. A bit strange.

— The concept of professional is cardinal to many legal rules, for example in tax or consumer law, it is often the criterion that leads to the application of a legal rule. That’s why we chose him, explains Jean-Francois de Montgolfier. “In practice, the policeman does not have to check why we are going to visit a lawyer, but whether we are traveling professionally,” he explains.

“Justice is currently two-tiered”

Sophie Mazas of the Montpellier bar protests: “The family of a foreigner placed in a detention center cannot bring them their documents after curfew, but the prefecture will be able to convey their arguments.” The president of Montpellier, Nicolas Bedel de Bouzareinges, goes above and beyond by calling for urgent procedures: “A battered woman is not a professional, a foreigner is not a professional, an employee is not a professional, someone arrested who appears in court the next day is not a professional… This discrimination is on the one hand professionals and on the other hand it is unhealthy among the poor. At the moment, justice is two-tiered.”

Paul Mathonet, attorney representing all parties and stakeholders, says:

“The lawyer’s profession cannot function without a physical interview in the office. How can parties get home with a lawyer between 6am and 4.30pm? As it stands, this is impossible, but if there is no access to lawyers, there is no justice.

“-If we are talking about noting that the exercise of rights is more difficult than we usually agree, Jean-Francois de Montgolfier laments. These measures are mandatory.”

But he notes that the government fixes them almost daily. “Files can come back, it does, the question is whether a 12 hour period a day is a disproportionate impact.”

President Reynaud continues to study the matter. He sees the problem of access to justice and wonders what the consequences of meeting the demands of lawyers will be, but also points to the issue of equality.

“We are doing what we can to avoid new imprisonment, which will have far more serious consequences than what we are talking about here,” explains Jean-Francois de Montgolfier. He then goes on to remind us that the way everyone works has changed over the past year, which is a reality and a limitation (meaning that lawyers have to get used to it too). And suddenly he attacks, “Some of the things we’re talking about don’t cut into the lawyer’s schedule, they take a day to go there.” For him, the schedule does not hinder the litigants, but the lawyers. The agitation and anger on the part of the applicants is palpable. Undeterred, the director continues his argument that medical privacy, the most protected of all but defense privacy, does not prevent “thousands of medical consultations via video conference, it’s less good, but it’s done.” And clarification: “The only legal prohibition of remote intervention by a lawyer is divorce by mutual agreement.”. We have left time at 12 hours a day, and it seems to us that this is not a disproportionate limitation..

“Without justice, society will become ultra-violent”

Sophie Mazas, from the Montpellier bar, speaks again: “A lawyer is a human being, being a lawyer means meeting a person who has problems, solving them, going to the magistrate. “Justice is a peaceful method of settling disputes, without justice the society will become ultra-violent,” he warns.

Lucy Dillenschneider, also from the Montpellier bar, argues: “We don’t see why an individual would have caused the outbreak of the pandemic and not a professional. This discrimination is not justified.”

Gérard Cholakian, who represents the CNB, warns “the function of justice continues unlike the first detention, so we must find a solution to guarantee the right of access to a lawyer.”

Obviously, lawyers feel wronged or abandoned by their supervising ministry and things go badly. I Mathonnet in turn objects. “I am very shocked to hear that lawyers are making so much noise about not so much.” The time period is insufficient for him, because he cannot receive the entire criminal bar during the day, and even more so, it is also incompatible with extraordinary proceedings. However, the government warns that the crisis is likely to continue and worsen. “The situation in the offices is unbearable, we cannot tell the court that they will have to wait a little, the magistrates are not going to wait, they are going to judge, so the measure is serious.” And finally he asserts: “The travel ban only makes sense if we prevent travel, so the administration’s logic is that you don’t need to go to your lawyer.” It is always necessary to visit a lawyer, there is no convenient appointment.”

The debate is coming to an end. At the request of the President, Valentin Raguin, head of the Defense Department of the Ministry of Health, is doing the analysis. Not surprisingly, he notes the government’s desire to limit the flow of population. However, according to his explanation, the further we advance the curfew time, the more efficient we are. It’s either new imprisonment, but high levels of pollution and concerns about options make the situation very tense. At the moment, everyone thinks that the Prime Minister should intervene on this topic at 18 o’clock…

President Reynaud adjourned the hearing at 4:20 p.m. He will issue his order, he says, “early next week.”

The outcome of this dispute cannot be predicted. On the one hand, it is difficult to understand the disparity between professionals and individuals in terms of access to lawyers. More seriously, individuals actually find it difficult to see a lawyer, even though justice is functioning normally, creating a gap to the detriment of defense rights. On the other hand, the threat of an epidemic still looms, especially as few options emerge, and the government is trying to contain it by imposing a restriction that it considers overall much more tolerable than a lockdown and, moreover, a limited time. Therefore, it seems especially difficult to know which way the scales will tip.

Legal assistance from external partners Departmental Council of Somi

Legal assistance from external partners  Departmental Council of Somi

In order to respond to the challenges of preserving water resources, the Department of Somme has established a “Water Plan”, which translates into specific actions aimed at organizing the vigilance of water use, optimizing its availability and allowing all Samaritans to save money on taxes. . The department's assembly voted on two new measures: help with the purchase of rainwater collectors and the department's distribution of “water saving” kits.

Helps the Samaritans reduce water consumption

To strengthen the department's efforts to implement national prevention goals by limiting water withdrawals, two new measures are being implemented to support the Samaritans:

Department assistance for installation of rain water collectors

The aid aims to finance:
· Purchase of a rainwater collector above ground or buried, not less than 200 liters for equipping the main residential house;
· Purchase of an underground tank of at least 2000 liters for equipping the main residence.

Aid is intended for persons whose primary residence is in the Somme, subject to resource conditions. Only one allowance is given per tax family.

The purchase must be made after January 1, 2024. It is 50% of the cost including purchase tax, within the limits of:
· €150 for the purchase of an above-ground or buried rainwater collector of at least 200 l.
· EUR 500 for the purchase of a minimum 2000 l underground tank

More information here.

Distribution of “water saving” kits

From June, the department will distribute hydro-economic kits.
This set consists of:
· 3 regulators for installation on standard faucets
· 1 bag to reduce water consumption in the toilet
· 1 flow reducer gasket for shower

Easy to install, this device allows you to save about 50% of water. By 2024, the department offers 3,000 sets. They are prioritized for groups identified by the department's social teams and its partners involved in housing:
· Beneficiaries of Housing Solidarity Fund (FSL) assistance for unpaid water bills;
· Families supported by social and family economy advisors within the budget education mission;
· Families benefiting from social support related to housing for specific actions approved by the department's teams and its partners.

The kits will be delivered within 22 hours Departmental Solidarity and Integration Centers (MDSI).

In addition, to further support this environmentally responsible initiative, interested Samaritan households will also be able, upon pre-registration and subject to availability, to subscribe to this approach.

The services of the department will carry out an evaluation after one year to measure the evolution of consumption with the help of the beneficiaries who will have to provide information about the consumption of drinking water before and after the introduction of the “energy saving” kit. water”.

All information is available MDSI or By clicking here.

Two specific actions that complement actions already taken by the department

In addition to these new measures, the department operates within the framework of the main water cycle to optimize river management and support project owners responsible for river management, as well as improving the quality of the water environment.

The department is also committed to preserving the natural environment, always with the aim of preserving the resource, in particular through the restoration of landscape elements (fences, grass strips, meadows, etc.).

In addition, the department carries out educational activities, such as the establishment of “eco-delegates” in Somme colleges, or the distribution of an information booklet on water use through education.

For Stéphane Haussoulier, President of the Somme Departmental Council, “ Conservation of our water resources is more of a critical issue that concerns us all. Be it for agricultural irrigation, industrial needs or simply the needs of nature, the department should act and be the agent of its proper maintenance. In 2023, credits were received for limiting water use in our buildings, installing aerators on faucets, strengthening consumption monitoring, collecting rainwater, and hunting for water leaks. With Frank Beauvarles, Vice President in charge of Environment and Environmental Transition, the two new systems we are putting in place for Samaritans will allow this dynamic to continue. What's good for the planet is good for the wallet! We help the Samaritans, especially the most needy, to limit their consumption and reduce their taxes accordingly. »

The Nantes lawyer behind the appeal regarding the date of early legislative elections is himself a candidate

The Nantes lawyer behind the appeal regarding the date of early legislative elections is himself a candidate

“Someone had to step in to protect the fairness of the election process,” they said Figaro At the head of the administrative action carried out in parallel with the appeal to the Constitutional Council is Bertrand Salquin. A lawyer will appear against a member of the Maine-et-Loire majority.

Le Figaro Nantes

He knows this: he is “a little provocation”. Bertrand Salquin, lawyer of the Nantes Bar, contacted the Council of State on Tuesday evening, during the summary procedure, to order the suspension of the President's decree of June 9. Regarding the date of legislative elections. His colleague Me Gwenola Vauboy's aim is to complement the appeal submitted by a group of lawyers to the Constitutional Council, revealed on Tuesday Le Figaro . In order to approve this urgent procedure in the Supreme Administrative Court, the Nantes lawyer had to justify a “interest in acting”. He found it by running as a candidate in the next election.

“I submitted to prove to the State Council that I was a candidate. Someone has to step up to protect the fairness of the election process.”, explains Bertrand Salquin. Thus, the lawyer is a candidate for the 2nd deputye The electoral district of Maine-et-Loire, which in the south D'Angers where does it come from Territory re-elected in 2022 Stella Dupont – ex-socialist now affiliated in the Renaissance. On the other hand, the novice politician, who says that he will separate his candidacy from the work of a lawyer, says that “Centrist at heart” and declares its autonomy. On the other hand, he finds an obstacle which was the administrative procedures related to his first application.

“The conditions are not equal for all”

In his office in the suburbs of Saint-Herblain from NantesThe lawyer sighs while reviewing thick files of 80 pages of memos intended for parliamentary candidates. “The first candidate has to complete this document, document a number of things, open a dedicated bank account, appoint a financial agent…not to mention the professions of faith that must be sent to the printer from the middle of next week. . These are steps that are simply incompatible with the 20-day deadline for this election, unless you are already an MP or a supporter. In other words, the playing field is not level for everyone.”Introducing Bertrand Salquen with a sigh.

This way of doing things is not what one would expect from a democratic country

Bertrand Salquin, lawyer

According to a request for interim relief filed by his firm, Atlantique Avocats, the reason “ambulance” Conducting the elections provided for by the presidential decree as quickly as possible, within 20 to 40 days provided by the law, will be unreasonable. It is also among the arguments presented by the request Le Figaro Lawyers are particularly questioning the integrity of the president of the republic, who said on Sunday evening that he would consult his prime minister and interior minister. “On the contrary, he comments on the elections on television.” The Cabinet of Ministers also relies on the disclosure of the newspaper the world as for inner circle “The Sorcerer's Apprentice” Those around the president, secretly prepared for the coming collapse. An operation which, according to the lawyers, would be similar “conspiracy” Against parliamentary democracy, in violation of Article 3 of the Constitution.

“This way of doing things does not correspond to what one would expect from a democratic country. Therefore, the request for urgency is disingenuous, supported by Bertrand Salquen. has When the Constitution was written in 1958, the special circumstances under which the word “emergency” was intended were somewhat similar, given that we had just come out. second World War and End of the Fourth Republic . I'm not sure anything like that happened this week, given the agreement between the results and the polls.

The lawyer candidate is expected to return from the state board on Thursday evening. “It can go very fast”assures Bertrand Salquin, who is convinced of the legal merits of the summary freedom order. “If the State Council and the Constitutional Council prove us wrong, it means that they are swallowing their institutional texts. And it wouldn't be the first time.”, the lawyer regrets. Regarding the appeal submitted to the Constitutional Council, the decision of the sages is expected by the end of the week.

Bad online reviews must be proven

Bad online reviews must be proven

Anyone who criticizes a company on an online review portal must be able to prove their claims. Otherwise, the company has the right to have the review removed.

Does anyone evaluate a company on a basis Negative online portal and claims certain processes, he must also do so prove. Failing this, the company may request that registration deleted becomes.

The case

A customer was dissatisfied with the services of his moving company. SO evaluated later he has one Online review platform the company with only one star out of five possible. Among others claims he says in the text of his post that a piece of furniture is being transported damaged and no one had taken care to repair the damage. The owner of the moving company defended himself and denied, that there was damage to the furniture. He complained that the customer's claim that he had not been taken care of damage reputation for his business.

The jugement

The court convicted the author of the review, who stated delete the complaint. The customer's negative comments on the online review portal damaged the company's image. The customer has the right to express his opinion on the order.

THE controversial statementis a piece of furniture damaged was not an opinion, but a Statement of fact. Because it's something Really arrive should be. The evaluated company should only accept it if it corresponds to the truth. Thus, in the event of a dispute, the author who asserts a fact must provethat these too in force East. According to the court, the mover's client had not respected this obligation.

The business owner could therefore demand that appropriate measures be taken. Passage deleted and the client no longer claims it.

Frankenthal Regional Court (Palatinate), judgment of May 22, 2023, case number 6 O 18/23

Bad customer ratings? Review portals: how to respond to reviews correctly > To learn more, click here!DHB now also digital!Simply click here and sign up for DHB Digital!

Text: / handwerksblatt.de

Carlton robbery: unsellable jewels as is

Carlton robbery: unsellable jewels as is

INTERVIEW – This weekend in Cannes, jewels worth one hundred and three million euros were stolen. How to evaluate the value of jewelry? How can criminals resell them without being detected? An update with Marc Boutémy, expert in gemstones and antique jewelry.

Le Figaro.fr: How are the prices of stolen jewelry evaluated?

Marc Boutémy : If it is antique jewelry, its replacement value is taken into account. For new jewelry, this is the reuse value. For gold jewelry, for example, weight serves as a standard. But what determines the price of a jewel is also the signature of the jeweler who created it. In the case of Sunday's flight, the brand (Leviev, ND) is very young and little known. I don't think the jewelry appears as a signature. Cartier, on the other hand, is a magical name. The quality of the metals and stones, the design, the style and the international reputation mark the value. Prices for signed and numbered jewelry are skyrocketing. A piece made entirely of gold can sell for between 800 and 1,000 euros per gram at Cartier, when on the market a gram of gold is only worth 20 euros.

Does jewelry lose a lot of value on resale?

Clear. To sell the jewelry, criminals will have to completely dismantle it. In fact, the jewels cannot be sold either on the official market or at auction, which considerably reduces the value of the loot. Although precious metals and stones are still expensive, they are no longer worth the price of the creation as a whole. This is how masterpieces disappear.

Is it possible, however, to identify the stones once they have been opened?

If they are small, the stones are usually resold in bags, they are sold by hand and it will be impossible to establish the link with the stolen jewelry. If, on the other hand, they are certified stones, there is a trace of their existence in a gemology laboratory. The certificate specifies the weight, size and position of the inclusions (deformations, editor's note). This usually allows you to identify it. Unfortunately, thieves usually trim the stones. A 3.29 carat diamond will go on sale again after a small cut that will have reduced its weight to 3.27 carats. Therefore, it will be very difficult to establish the connection.

There are several certification laboratories around the world. Are they working together to find the stolen stones?

In addition to the French Gemological Laboratory in France, there is also the HRD in Antwerp and the GIA (Gemological Institute of America) in New York. All of these laboratories are authorized to certify stones. In principle, the same stone must obtain the same certificate in all laboratories. In general, the data on size and weight are at least the same, although the purity rating may differ slightly. Therefore, the request for certification of a stone that already has a certificate should, in theory, alert the laboratory. Unfortunately, the files of the different laboratories do not automatically overlap and, if no request is made in this regard, investigations will not begin. The most surprising thing is that sometimes a stone certified by a laboratory can go unnoticed. This is what happened a few years ago when I requested certification of a diamond brought by a client, which I thought was extraordinary. The laboratory issued a certificate without knowing that one already existed in its files. While the lab should have raised the alarm, it was the ring's former owner who finally recognized the diamond as she flipped through the pages of The Drouot Gazette!

Jewelry and gold trafficking, a family affair

Jewelry and gold trafficking, a family affair

The jewel traveled in a pair of gray socks. Four and a half kilos of pure gold rings, bracelets and earrings housed in a hiding place under the back seat – also gray – of a sedan heading to Belgium. A usual burden for the car's occupants: thirty round trips in ten months were recorded by the investigators until June 21, when they set out to stop the convoy just before the border, at the Thun-l' tollbooth. Bishop (North). Total damages are estimated at almost 4 million euros.

A curious network, at first glance, that connects discreet pavilions in the large Parisian suburbs with the back rooms of unscrupulous Belgian jewelers. However, this modus operandi It is repeated throughout the recent investigations carried out by specialized gendarmes. This affair, which is reminiscent of another very similar one carried out a few weeks before, reveals the methods of these new gold seekers.

The investigation that led to the prized sock lasted ten months. Enough to uncover a concealment network based in Seine-Saint-Denis. During surveillance, the house of a family of Serbian origin appears to be a real SME that collects stolen jewelry and the starting point of their convoys. A profitable business: during the searches investigators discovered 48,000 euros in cash, a Porsche Panamera and numerous luxury leather items.

“These are family clans that are very closed in on themselves, indicates Patrick Pégeot, commander of the Paris investigation section, in charge of the investigation. They deal solely in stolen goods and are resold in Belgium and the Netherlands. More than ten teams of thieves, very mobile throughout France, came to resell gold and jewelry. »

Elaborate whitening regimens

For many, these are “theft by deception”, often committed to the detriment of older people. According to this technique, a first person passes by disguised, for example, as a fake plumber, before another accomplice arrives at the house, disguised as a police officer, to take an inventory of the first's alleged thefts and recover the valuable jewels himself.

Marc de Tarlé, commander of the Central Office to Combat Itinerant Crime (OCLDI), points out that ” the groups (of receivers) They are increasingly better structured, operate in an increasingly sophisticated manner and generate considerable sums of money. The clans now have experience in counter-surveillance techniques, both in their means of communication and in the use of “caches”, even opening vehicles. “These techniques are reminiscent of those used in drug trafficking.”.

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