Aug 22 2014

The Estately application, Tinder of real estate search

Tag: business, economic, economics, features, specialadmin @ 9:52 pm

 Slide your thumb

to the right or left on your touch screen is an effective and fun way to link two human beings (or remove them), as evidenced by the success of the inevitable Tinder1 application, which offers scrolling on your screen profiles of men and women.2 found in a 10 km radius around you. The application has become a must have for young singles. So that applications incorporating this principle have multiplied, just like Jobr The Tinder for professionals and for finding employment3. This ingenious system

now can also make people happy for those seeking a property … It is the ambition of Estately4 application, which took over the fundamentals of Tinder: a series of pictures of various real estate succeed before you, and you have two options: either you save a property that you like, or you put it in the trash. It's as simple as that. And that's not all: when you save a property, the application sends you notifications about any changes in its status. Price, day visits …

"With Tinder, we realized that the" swipping "was easy to use and intuitive payday loans guaranteed no fax. In real estate, it can quickly purify a list extension! "

Galen Ward, CEO of Estately application.

The application is not limited to offer photos of the property. As Tinder on several characteristics accompany each profile so you do not select solely on visual criteria: its price, its area, number of rooms, any dependencies … With this system, you can quickly identify what you want in the middle of a forest property that does not interest you systematically, as explained in specialized site Techcrunch 5 Galen Ward, CEO Estately6 application. "With Tinder, we realized that the" swipping "was easy to use and intuitive. In real estate, it can quickly purify a list extension "

While competing applications – or as Redfin7 Zillow8 – already offering the functionality to remove and hide properties that do not interest us, they do not allow this act of "swipping" that users love so much. "This small gesture is ideal for first time buyers who have thirty years!" Says Galen Ward. A very trend that has probably not finished inspire system.


Aug 08 2014

Google wants to inflate its messaging to compete with Apple

Tag: economic, finance, international, special, top newsadmin @ 8:16 pm

 A more

acquisition for Google. The latter racheté1 application of intelligent messaging Emu. Born there two years, she inserts information during conversations of its users. For example, if a caller provides a message in a restaurant on a Friday night, Emu automatically suggest a nearby restaurant and present the review on a site like Yelp. Emu can also use the GPS smartphone, search for the Cinema2 or view your calendar, all without leaving the application.

Following its acquisition, the application will close on August 25. It is likely that Google integrates term Emu features to Hangouts, the email application. He will replace gradually the traditional SMS on Android. Apple

Compete on messaging

For the trade magazine Wired, Google's acquisition is intended to open up new markets publicitaires3. Mail Hangout could display advertisements based on user conversations. Moreover, after research and emails, messages would complement the loop of personal data processed by the digital giant.

With this acquisition, Google will be able to compete with Apple and its advanced messaging and voice guidance. At its last developer conference, the company announced several new for his courier, iMessage. Moreover, Emu lot like Siri, Apple's personal voice assistant. Before founding the company Emu Messenger and become the CEO, Gummi Hafsteinsson worked to develop Siri at Apple. Google has also developed his personal assistant, Google Now, and it is likely that the Emu features are integrated into the outil.SERVICE following: "The practice technology and flawless preferential price Apple4 ….. …


Jul 31 2014

Bundesbank calls for a 3% increase in German wages

Tag: economic, life, news, publications, technologyadmin @ 2:04 am

 

From our correspondent in Berlin,

Wages may increase Germany.1. It is the recommendation of the head of the Bundesbank, Jens Weidmann. In an interview with Frankfurter Allgemeine Zeitung published 2 Wednesday, he suggests a 3% increase in wages, not for the sake of social redistribution, but by simple economic fact. "The labor market in Germany is in a better position there a few years ago," says the representative of the monetary and fiscal orthodoxy. "In a number of sectors and regions, we are almost at full employment and the needs of labor is increasing. It is in the nature of things, and this is to be welcomed, as real wages rose more strongly than when the German economy was in a worse situation ".  

The level of 3% increase is not set at random: it comes to adding a level of CPI inflation 2% and increased productivity by 1%. At each branch to negotiate based on its characteristics, he also added. "We do not immisçons us in wage negotiations," warns Jens Weidmann.

While Germany has introduced a minimum wage and a generalized growth of 1.9% is expected this year, the head of the However Bundesbank would contain wage demands. "Wage agreements that go well beyond an increase indexed to productivity would hurt growth and employment in Germany and would be a disservice to the euro area," he says. Having advocated the serious economic or austerity in Europe, Germany set a bad example.

German unions have already announced that they would negotiate wages to rise. In public services, this is an increase of 3.5% which is required for example. The IG Metall has in turn already obtained an increase of 2.3% on 1 July for employees Metallurgy and 1.7% in May 2015, 4%. Employers

worries about his side effects of these increases on the competitiveness of the German economy. The minimum wage, which has just been voted cause loss of jobs, do we also accused or price increases. Hairdressers, for example, have already revised their prices to rise.

Seen the rest of Europe, the increase in purchasing power and consumption in Germany is good news. France.3 put on this particular recovery in its main economic partner to improve the economic situation of its businesses. Prime Minister Manuel Valls 4devrait address the issue Thursday with Vice Chancellor and Economy Minister, Sigmar Gabriel, he receives Matignon. The head of government also intends to plead the cause of France to Germany for more flexibility and flexibility in reducing the French deficit.


Jul 25 2014

Crashes and security series: summer murderer airline

Tag: Uncategorized, economic, finance, news, worldadmin @ 7:52 am

 A horrible

black series with three plane crashes – the downing of Malaysian Airlines Boeing 1au over Ukraine, the crash of an ATR 72-500 TransAsia Airways2 Taiwan and now the disappearance of a 83 Swiftair3 MD, operated on behalf of Air Algeria, Mali over – in a week. A macabre combination which, fortunately, is very rare.

But these repeated accidents will make 2014 a year of the most deadly airline. It will also add to these three crashes, the disappearance of Malaysian Airlines Boeing with its 239 passengers, on March 8, a few hours after taking off from Kuala Lumpur and its sudden change of direction while the plane was rallying Beijing . Disappearance remains unexplained to this day. And several crashes occurred in Nepal, Kenya, Niger, Zambia and Sudan in recent months.  

In total, more than 730 people have already died by flying this year. Much higher than at the last peak in 2012 and 414 deaths related to a plane crash, more than four times higher than those recorded (210 deaths) in 2013 by the International Air Transport Association (IATA4). And finally, more than the average of 517 deaths per year recorded in the world in the last five years. The road

killed 3,268 people in France alone in 2013

This sad record 2014 must not however forget – and this may seem paradoxical then that emotion is huge – the aircraft remains the means of transport most of the world. But unlike the automobile kills more – 3268 died in 2013 in France alone – each plane crash is spectacular, has an international dimension and place in a universe – the sky – which is not natural to human no fax payday loans.

However, the plane never had so few killed. The global accident rate for jet Western manufacturing in 2013 was 0.41, or one accident for every 2.4 million flights. "This is the lowest in the history of aviation," according to IATA in its latest report on aviation safety. "From 2009 to 2013, this rate has improved by 14.6% over the five-year average, which stands at 0.48", the report says. Europe

is the safest region

The accident and death rates remain very low by more than 3 billion passenger who took the aircraft on 36.4 million flights in 2013. These statistics should also be read in the context of a market for air transport growth (4.8% on average) and a global fleet that doubled in size every two years on average. It now has 20,910 units in service worldwide and is expected to double, according to the latest market study Boeing5 within twenty years.

By region, the IATA report refers to Europe as the safest in terms of air transport with a lower accident rate than average 0.15 World in 2013; ahead of North America (0.32). In contrast, among the most dangerous regions despite significant progress, IATA means Africa6 with an accident of 2.03 against 4.55 in 2012 and the CIS (Commonwealth of Independent States) which saw its rate accident rate worsen to 2.09 against 0.00 in 2012. "IEC shows the worst performance," says IATA.


Jul 23 2014

Care are more expensive hospital and clinical

Tag: economic, events, finance, resources, traveladmin @ 1:32 pm

 Public1

The hospital should take lessons in productivity from private clinics. In its annual survey of hospital costs, technical Information Agency on hospital (Atih) noted once more the efficiency between the two feuding brothers health gap. It shows that in 2012 the average cost of caring for a patient amounted to 2,115 euros in public against 1204 euros in a clinic. These figures are however to be taken lightly, tempers the public agency, "the segments of the two sectors are different." Rest

even more precisely by comparing the costs generated by the same care and the same gravity, clinics are the most efficient. This is particularly the case in surgery, the operation is simple or complex. Stay for a prosthesis simple hip and costs 16% less in the private sector. Similarly, the bill for a fairly severe intervention in the small intestine and the colon is 30% lighter in clinic. Longer stays

public hospital

In terms of cancer, Atih details including treatment of "malignant diseases of the hepatobiliary system and pancreas" . The average cost of this care is 36% higher than in the hospital clinic, 3930 euros. The hospital, for a similar situation, in fact keeps the patient more fully within its walls: one more day for milder cases and up to seven days for the most difficult cases pay day loans. In addition, differences in efficiency are lower in the field of obstetrics. The birth of a first child with "vaginal" (without cesarean) and costs 2318 euros in clinic, 11% "only" unless the public.

How can these gaps in productivity between enemy brothers of private and public? France2 Hospital Federation (FHF), which represents public schools, argues that hospitals treat patients on average more severely affected than those received in the clinic. They are moreover increasingly precarious situation and must therefore stay longer in hospital. "It does not explain everything," but slides an industry expert. A hospital director recognizes that personnel expenses and circuit billing drain on budgets.

In the private sector, it does not have to look very far the reasons for the large productivity gap. "Medicare pays for clinical acts that are providing on average 20% to 22% cheaper than in hospitals, said Thierry Béchu, general secretary of the FHP-MCO (surgery and private maternity). This economic constraint invites us to be more efficient. Otherwise we are doomed to put the key under the door! "


Jul 16 2014

Camps: the slow disaffection

Tag: economic, finance, life, opinions, resourcesadmin @ 10:16 am

 

Courses, cultural or sports camps, training … Under the name "camps" mingle public bodies, associations, works councils but also commercial companies and even individuals. Behind

enticing platelets and websites presenting any assurance of a well supported living? The death last week of a child of 8 years in the Ariege began again the confidence of parents in these camps which show a steady decline in attendance for twenty years. In 2013, a parliamentary report has warned the government on this disaffection. Mistrust and high cost of stay (from 400 to 600 euros on average for a given week by an association), the "colossal" no longer welcome on this day that 7.5% of children, against 15% in 1995. They are now 1.3 million to participate in the 50,000 annual trips organized by the "youth facilities" (ACM). Subcontractors

crooked, scams, companies in liquidation: parents may not know the bottom of the offer. "We must focus on the content of the project and the trip organizer," insists Anne Carayon, general secretary of the associative network in full air1 Youth. She encourages parents to check the profile providers behind the offer proposed by the mayors and councils, buyers of these stays catalog. "There are many players, it is true, but abuse remains marginal," says Cédric Javault founder Telligo, private market player summer camp for twenty years low fee payday loans. As for controls, "the state's job," he says. A stay in five controlled, according to the ministry. "In 400 trips organized by Telligo, twenty inspection reports we receive. This is more than in the restaurant or hotel, "says Cédric Javault. A

'quality label' to burnish their image

However, the Ministry of Youth and Sports 2a initiated discussions to improve their image. At the start, one, accompanied by a charter "quality label", should attest to the quality of their educational project. A label which is by no means a license. "The state does not issue any and empowers collective reception organizers of minors," said the ministry. The legal regime is the declaration to the prefectural authorities.

However, the organizers should be consistent with the health rules, safety and staff qualifications framing. Private or voluntary, organizations struggle in parallel to provide more guarantees seriously. "We own our shelters – one hundred – a guarantee of security," said Julien Coue, head of education and recreation project in the General Federation of PEP3, which is involved in the industry since 1915 and brings together 128 associations.


Jul 10 2014

A booklet rest he interesting?

Tag: economic, events, money, people, traveladmin @ 6:08 pm

 

The ax fell. From 1 August, the rate of the booklet A pass from 1.25% to only 1%. Historically low yield, which could have been even lower if the government had followed the recommendations of the Bank of France, which proposed to reduce it to 0.75%. For the record, this very old investment was paid 1.75% there just one year.

Now, a booklet A ceiling (22,950 euros) will earn 229.50 euros per year, against 286.90 euros when the rate was 1.25 %. And the holder of a booklet on Sustainable Development (LDD) 1 ceiling (€ 12,000) will win 120 euros against 150 euros a year earlier.

What to do in these conditions of his booklet A2? "Paradoxically, in the context of current very low interest rates, the passbook remains attractive for its precautionary savings, because his salary is hard to beat," said Cyril Blesson, Partner Pair Council. Because the passbook is not taxed, which is not the case for most other investments. Starting with passbooks, direct competitors of the booklet A, whose interests are taxed at the scale of income tax, which must be added the social security contributions. Excluding promotional periods reserved for new customers, fewer of these books relate unless the booklet A.

But other investments become today very competitive. Euro funds Insurance life.3 contracts are a good alternative, even if their remuneration is crumbling. Last year, they reported 2.8% (before social contributions). This is significantly more than 1% of the booklet A. Certainly, we must take into account any input and taxation costs. But by investing in contracts over eight years, the tax will be minimized. And ultimately, the investor is the most time winner.  

Those who have a little time on their hands (four years) may also invest cash on housing savings plans (PEL) 4 paid 2.5% (before payroll 15.5%). Especially since the interest is subject to income tax 12 years after the opening of the plan.


Jul 04 2014

The shock report on low-cost Inconvenient Air France

Tag: economic, opinions, publications, top news, worldadmin @ 5:09 am

 The report

Monday handed the CEO of Air France 1 on what to implement to fight against low-cost airlines will he kindly stored at the bottom of a closet I need regular. Ordered by Frédéric Gagey2, the CEO of the company tricolor to imagine a sustainable future for the activity "point to point" – that is to say without match, so – short and medium letter of Air France group flights and reduce losses (200 million euros in 2013), this report contains the recommendations of an expert group. If the CEO of Air France is expected that the strategy currently being conducted, ie reducing the number of devices and stops where the losses are important and maintaining three brands is reinforced, this is not the case.

Shares of Air France erode market

The rapporteur this job is none other than Lionel Guérin, the current boss Hop! 3, the company that brings Airlinair Britair and Regional, three regional entities of the Air France4 who steal appliances from 48 to 100 seats. The expert group has tried to cope and rationalize, at least on paper, a business operated by three different companies within the Air France group: Transavia5, the low-cost intended for leisure flights, Hop, that regional conducts domestic flights to major European cities (Budapest, Vienna, Prague, Barcelona, ​​Stuttgart …) and finally Air France whose market share erode. In some figures, these three companies together account 2 billion euros of turnover and employ 10,000 employees in this activity.

The facts are simple. Short and medium-haul to the hub at Roissy fueling long-haul flights Air France flights lose € 400 million per year but management tolerates some of these losses as it flows through the long-haul profitable. "We can accept losing to Air France 150 million euros per year to fill its planes at Roissy. These are costs that could virtually integrate long-haul, "says an analyst.

Beautiful margins low-cost

But no question of widening losses activity "point to point" that competitors such as EasyJet, Vueling or Volotea have captured while achieving beautiful margins. On flights between France and Europe, Air France lost 5 points of market share between 2010 and 2014. And the French domestic market, low-cost airlines increased from 15 to 27% market share between 2010 and 2014

. To stem losses the report proposes to set up in the autumn a new common organization Hop! and Air France for business functions such as optimization of sales by trade policy (revenue management), pricing … Each company would retain the operational management of its staff.

The report distinguishes between two market segments where business customers are involved and "VFR" visiting friends and relative, that is to say travelers who visit their friends and their families: a segment is predominantly leisure, whose customers are looking for low prices. Customers of the other, dominant business, favor the regularity and frequency while maintaining their wallet.  Contain

Air France flights to match

Transavia meets unsurprisingly expectations first and should continue to grow from Orly, its current base, with ten additional Boeing 737 for its flights leisure. However, to meet the needs of the second category two opposing scenarios: either Hop, regional, fully recovered activity previously carried out by Air France at Orly especially with its mini price!. Air France is building on its reputation in housing activity in a "brand connected" to its name

. Clearly, the report's authors propose confine the short and medium-haul Air France connecting flights to Roissy and let companies "agile" take care of "point to point". On the social level, this scenario would obviously have serious repercussions. "The situation may be very tense in the coming months," says an official of the group aware that the courageous decisions remain to be taken. Frédéric

GAGEY has in hand a "hot potato" that he should say at half results on July 25 that it intends to do.


Jun 29 2014

Lease its property to provide rental

Tag: economic, features, publications, top news, traveladmin @ 5:37 pm

 To leave

despite the crisis, an increasing number of French place for rent that they do not use during their stay: accommodation, car, but motorhome, bike and why not boat

. Success in Hexagone1 site rental housing owner Airbnb2 is the most obvious example of this economy of sharing that attracting more and more French consumers. 70,000 French homes are for rent at this time on the site, against 7,000 two years ago. Initially very urban – especially Paris – the site has gradually gained a wider audience. "In Corsica, the number of units available for rent, for example, increased by 9 this year," says Nicolas Ferrary3, France Director of the U.S. site. People who live in tourist areas have included the interest they could find an empty room to rent their home, or their home in its entirety, to tourists. In 80% of cases, the owners rent their principal residence and two out of three, it is their entire home … they do not care if they themselves went on vacation. Amount of gain: on average 300 euros a month in Paris. According to a study by Airbnb, these gains are largely used to meet current expenses, but also to finance its own holiday (for 80 euros).

In the family of sites private rentals, Airbnb is the behemoth, but it is far from the only one. A multitude of sites allow you to earn some money with the property that is not used when one is oneself trip. This is for example the case of Carnomise4 and Tripndrive5, offering vacationers to rent their car in their absence. Installed at major airports, they pay parking the car and pay back homeowners compensation for its location. The invoice sent to the lessee of the vehicle is on its side around 60% lower than in a traditional landlord. "We left our car three weeks Carnomise during a trip to Japan free instant credit score. By renting our car fortnight, we won 136 euros … and we did not pay the 300 euros usual car, "says Chantal Blanchet, a new follower. Rent a boat

Even in JeLoueMonCampingCar6 concept, created in 2011. As its name suggests, the site connects owners of motorhomes, which is generally used only part of the year, with people who want to rent. Two years after its inception, the site has found its market: 19.000 rental days have passed through JeLoueMonCampingCar … more than 60% since the beginning of the year. To rent a campervan costs around 100 euros per day. Each owner has gained an average of 600 euros through the vehicle unused. On an equally specialized segment Boaterfly Sailsharing and aim to facilitate the location of boats between particuliers7. Bike rental by owner, proposed by Véloc8 only a few months, is potentially a wider audience, but is still struggling to break into France. The French, however

bite undoubtedly the "collaborative consumption." France is the second market Airbnb world, both in terms of number of passengers that housing available for rent. The success of the French carpool website Blablacar9 now the industry leader in Europe, is another indicator of the success of these new modes of consumption, which now appeal beyond the "bobo" early community. The average age of users has significantly high Blablacar past two years. "Car rental by owner – Drivy, Ouicar or Buzzcar are the leaders – another public key, older and less urban. The success of these sites is a sign that this way of eating is within the standards, "says Marc-Arthur Gauthey, the think-tank ouishare devoted to these practices.


Jun 28 2014

Banks undertake for small businesses

Tag: economic, economy, resources, technology, traveladmin @ 2:41 am

 

In 2013, some 100,000 credit applications from all small enterprises (VSE) were rejected. But banks promise to do better now. The French Banking Federation (FBF) took five commitments Friday, when submitted to the ministers, and Arnaud Michel Sapin Montebourg1 the report of the national credit mediator Jeanne-Marie Prost 2out financing TPE. The latter concludes that if access to credit TPE investment is pretty good, access to cash loans is difficult.

While TPE accuse them of time still too long, banks promise to give within fifteen working days in response to any request for credit. In case of refusal, they agree to receive the entrepreneur for him to explain why. All their letters, they also indicate the existing remedies, particularly the mediation of credit still unknown. In a pedagogical concern, they will publish further guidance on the short-term financing because TPE3 use too often discovered as a tool for cash, so it is not always the most appropriate or the most economical. Banks

finally endeavor to promote greater stability of their CROs, while patterns TPE complain constantly change of interlocutors. In this important "turnover", the same mediator recommends "a term of office of at least four years." However, banks do not advance over a period, stressing that they can not interfere with the career of their agents.

These five measures, which will also apply to SMEs4, occur while the FBF has already announced last week the appointment in each banking network, 'privileged interlocutors for SMEs.

"First step"

The issue is important because it affects 2.7 million businesses ranging from local shopkeepers to professionals through the artisans. "Small employers, on the ground, when they talk about banks, often scathing, conceded Arnaud Montebourg. This is a fundamental first step to appease the relationship. "

The Minister also urged the leaders of TPE to enter more often mediation crédit5 via local branch of the Bank of France6. A free service to help get out of tight situations. "The TPE is very small but it is very important because it is an essential tool in the fight for jobs," concluded Michel Sapin7, Minister of Finance.


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