At the end of 2023, MoneyVox offers you a summary of the most read articles on our site. The subjects linked to pension reform and the end of the receipt generated the most interest. Here are the top 5.
The 3 pitfalls that can cost you dearly with the end of the receipt
Since August 1, 2023, automatic printing of receipts is no longer in effect. This measure, intended to reduce waste production, nevertheless allows customers to explicitly request a paper ticket or to receive a paperless ticket by SMS or e-mail.
However, consumer associations are warning of several risks linked to this measure, such as checkout errors, contactless payment fraud and difficulties in refunding or exchanging products without a paper receipt. Consumers are advised to systematically request a receipt for major purchases, in order to facilitate exchanges or warranty claims.
End of the receipt: the three pitfalls that can cost you dearly
Born in 1965 and 1966, you will work more with the pension reform
The pension reform came into force on September 1. It provides for a gradual increase in the legal retirement age to 64 years by 2030, compared to 62 years currently. It also requires 43 years of contributions to obtain a full pension. The generations born in 1965 and 1966, who will be 58 and 57 years old respectively in 2023, will be particularly impacted. They will have to justify additional quarters to hope to obtain a full pension.
At what age can I retire? *
| Legal retirement age ** | — |
| Number of quarters required ** | — |
| automatic full rate age ** | 67 years old |
*As of 1er September 2023, the legal retirement age will be gradually raised by three months per year to reach 64 years in 2030, compared to 62 years today.
** Source: government pension reform project presented on January 10, 2023.
NB: This is a simplified simulator which presents general cases. For a personalized simulation, go to the simulator retirement info site.
Pension reform: born in 1965 and 1966, you will work more with the new law
What changes with the pension reform for long careers
The pension reform brings significant changes for people who have had long careers. Workers who started their career before the age of 16, 18, 20 or 21 are affected by these changes. For example, those who have validated 4 or 5 quarters before the end of the year they turn 20 will have an early retirement age set at 62, subject to meeting the required 172 quarters.
Long career: what changes with the pension reform
This tax paper to send to avoid a bad surprise on your Agirc-Arrco pension
Former private sector employees, affiliated with the complementary Agirc-Arrco company, received a letter in the spring asking them to send their tax notice. Otherwise, there is a risk that their file will not be updated. Here’s why.
Transfers: what is allowed and what is no longer allowed on savings accounts
Banks have modified the operations authorized on savings accounts. From now on, any sum entering or leaving a savings account must pass through an account held by the same holder. This measure, in response to a European directive on payment services (DSP2), aims to protect users against fraud and unauthorized operations.
Prohibited transactions include direct transfers between different savings accounts and transfers to the savings accounts of other people, with the exception of certain parental transactions to the accounts of minor children. All the details in this article.