En cas de crise, les banques pourront prélever les dépôts des épargnants

Les représentants de l’Union européenne ont décidé de mettre à contribution les épargnants à partir de 2016.

Après la ponction des épargnants chypriotes cette année et l’idée émise par le FMI d’une supertaxe de 10% sur le patrimoine, l’Europe vient d’entériner la participation des déposants au renflouement des banques en cas de crise grave. L’accord, scellé mercredi 11 décembre, est passé relativement inaperçu, alors qu’il pourrait être d’une importance capitale pour les épargnants.

Les Européens se sont mis d’accord sur une loi prévoyant des règles de renflouement interne des banques, ou « bail-in », afin d’éviter de ne faire participer que les Etats au sauvetage des établissements financiers.

« Grand pas franchi ce soir: accord #BRRD pour 28 », a écrit sur son compte twitter le commissaire européen chargé des Services financiers, Michel Barnier, en référence à la directive sur le sauvetage des banques. « Contribuables ne seront plus premiers à payer pour erreurs des banques », a-t-il ajouté.

« C’est un pas fondamental vers la réalisation de l’union bancaire », a assuré Michel Barnier dans un communiqué.

Des représentants du Parlement européen, du Conseil qui représente les Etats, et de la Commission européenne se sont mis d’accord au cours d’un « trilogue » sur ce texte, qui s’appliquera aux 28 Etats membres.

Cette nouvelle directive s’articulera avec le Mécanisme unique européen de résolution des banques, qui fait toujours l’objet de difficiles négociations au niveau des ministres, et destiné lui à la seule zone euro. Les ministres des Finances doivent se retrouver mercredi prochain pour tenter de finaliser un accord sur ce sujet.

Continuer la lecture de « En cas de crise, les banques pourront prélever les dépôts des épargnants »

Mixed content blocking

Good news for the Firefox users. We have updated the code to make sure that you can now fully use ez-Balance without having to allow mixed content on every single page or by switching to the unsecured connection.

This way they can now enjoy the application with the additional peace of mind procured by one of the latest features from their preferred web browser.

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New feature: Transaction split

This has surely been some time since we last came on this blog. Plenty of reasons have to be invoked but down the road that’s not what matters today.

Indeed, we are very happy to let the World (at least) knows that we have rolled-out the transaction split. What it allows the user to do is fairly straight-forward: it allows you to select a particular transaction in your transaction report and to split it in different categories, amounts and labels.

This way, you can now add a level of details to the bank statement you will have uploaded in the system (or directly from your bank website if you use the BankConnector) by allocating portions of it to different categories. Typically, it would be a supermarket bill you need to split between food, kids, alcohol, house, kids’ 20th birthday party needs… or a way to track the different components of your payslip. All of this is now possible without entering separate transactions which alters the bank statement report, showing multiple records where the bank only shows one!

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New feature: Bank connector

We have briefly talked about it on our Facebook page but after some testing, we are delighted to inform our users, readers, likers and followers that the Bank connector for Societe Generale is now live.

This is the first one of a serie that should grow with the time but it marks an important milestone: Users are not required to log on bank websites to retrieve CSV file and update their transactions in ez-Balance. At this stage, and following the answers we had on Facebook poll, the update can only be done upon user request. In the future, and if there is a strong demand, we might store the login/password encrypted in our database and run the update on your behalf daily. But at this stage, we are not storing any of the banking website and simply passing the info input by the user, through our encrypted connection, to the bank website.

We are now looking at adding more connectors. Which ones are you the most interested in?

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Nous sommes actuellement en train de porter les touches finales a notre connecteur Societe Generale. Grace a ce dernier, très bientôt, vous allez donc pouvoir charger toutes vos dépenses automatiquement dans ez-Balance et les classer automatiquement. Et tout çà, en un clin d’œil!

New feature : The Digest

You want to stay on top of your expenses and always know where you stand but can not do it because you don’t have time to log on all the bank websites, trading portals… everyday?

We now have The so-called Digest for you: A simple email, sent on the days of your choice, providing you with the balance of your accounts, the list of expenses that have occured since you received your last Digest email, where you stand in terms of your monthly budget or even how much cash your wallet should have (it is up to you to select what you want to receive).

Sent in the early hours of the day, you can now have a quick look at your assets summary with no effort on the way to work or while absorbing the required dose of caffeine to start off your day (and start thinking -or not- of the drink you’ll have with the colleagues this evening).

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New feature: navglobal.com interface

You might be one of the users of navglobal.com. Maybe not directly but through your independent financial advisor. As a result, you can see whenever you log on (and among a lot of other things), your different funds units and their valuation. Quite nice and up to date.

Now, you most certainly have a monthly investment plan (MIP) where you have a regular contribution allocated to a certain number of funds. So, how do you keep track of your average price? How do you identify the different costs (management fees, FX rates…) to know how you are exactely performing with these funds and if there is not a better alternative out there?

Nothing simpler with ez-Balance. You can now map one of your portfolio to one (or more) scheme managed in navglobal.com and have any changes in units numbers or valuation reflected in your reports. As a result, you are now able to see how much of your total contribution is actually affected to your plan and you can see how your funds average prices compete with the market. That way, you are now more empowered to make more educated decisions on what funds to switch, identify the level of fees you are being charged and, down the road, determine whether these investments are doing what you want them to. A good start to help optimising your savings.

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The time has come. Some sees it as a model of renewing itself, wisdom, culture, creativity. Some others are afraid of it because it has been banned in a famous book long long time ago. Finally, some just find it tasty. Yes, the year of the Snake has started today until the end of January next year, ending the year of the Dragon.

ez-Balance wishes everybody a Happy Chinese New Year, or in a more local flavour: Gong Xi Fa Cai or Gong Hey Fat Choy!

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New feature: in/activation

We just rolled out a new feature applying to bank accounts, credit cards, categories and counterparties.

You can now inactivate any of those from the configuration screen. As a result, all the data (like expense, budget…) asssociated to them will be kept in the database but the inactivated items will not be available in reports or drop-down menus. Typically to be used with old credit cards, closed accounts and counterparties or categories no longer used.

That results in faster calculation and reduced number of choices in the drop down for faster user input. Of course, those can be reactivated any time in the configuration screen.

Looking forward to hearing your feedback or any brilliant ideas you may have!

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