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 18 2014

Global markets affected by the crash in Ukraine

Tag: events, features, money, online, publicationsadmin @ 2:44 am

The crash of an airliner in malaisien1 Ukraine2, which could have been shot, shook the western markets and fall titles airlines Exchange Thursday as investors feared the impact of the disaster on the economy mondiale.A Wall Street3 where indices nosedived after the announcement of the crash, the Dow Jones4 abandoned around 18:00 GMT 0.42%, 0.81% and the Nasdaq5 the broader S & P 500 0.60%. European shares have also been hit hard by these uncertainties and ended sharply lower: the Paris market ended down 1.21%, in Frankfurt, the DAX index fell 1.07% and the Stock Exchange London dropped 0.68%. Asian stock markets were still closed at the time.The foreign exchange market remained relatively stable in the evolving euro6 dollar7 1.3523 after falling to 1.3517 at 2:55 p.m. GMT dollar, a new low in a month, 1.3524 against dollar on Wednesday to 9:00 p.m. GMT.L ' euro evolves its lowest against the Japanese yen, a value considered as "safe haven" by traders from février.Du side pétrole8, New York crude (WTI) for August delivery climbed almost $ 2 and Brent the North Sea to London has appreciated by 0.73% to 107.91 dollars.L ounce of OR9 has appreciated and ended at $ 1,302.50 at auction evening in London, against 1,301 dollars Wednesday . U.S. bond market, where operators take refuge in times of uncertainty left his side sharply higher. The yield on 10-year Treasury fell to 2.467% against 2.538% Wednesday, and the 30-year to 3.287% against 3.348% veille.Signe the nervousness in the market, the VIX index, called "index fear "soared 15.45% reading at its highest levels of the dangerous semaine.Plus for markets that sanctionsLes markets have suddenly lost ground to 1530 GMT as investors have learned that a plane Line Malaysian Amsterdam left for Kuala Lumpur crashed in the Donetsk region in eastern Ukraine guaranteed cash advance. "It is frankly very bad news, rather than Western sanctions announced" Wednesday night responded Gregori Volokhine of Meeschaert Financial services. "It calls into question the safety of air routes in this region of the world and in other regions", as in the Middle East, continued Gregori Volokhine. However, "air traffic is very important for the economy." What worries the most, as portfolio manager, "is that this is not an accident but a downed aircraft is going to ask questions that had never been asked previously. Risk stray bullets "on airliners. "This is unsettling for travelers and investors," he has estimé.Secteur global air in baisseDes both sides of the Atlantic, particularly information on the aviation sector weighed American Airlines10 fell by 2.52% at $ 42.38, Delta Airlines yielded 1.95% to 37.13 dollars, United Continental 2.03% at $ 42.99. The aircraft manufacturer Boeing11 limited the damage and let go only 0.30% to 127.04 dollars.L German Lufthansa12 giant European airline, which announced after the close of trading on Thursday that decided to bypass "substantially" space Ukrainian air, closed down 2.37% to 14.61 euros on Euronext Paris Francfort.A Air France13-KLM fell by 1.45% to 8.77 euros. At the London Stock Exchange, International Consolidated Airlines Group, parent company of British Airways and Spanish carrier Iberia, fell 3.02% to 330.70 pence and easyJet 1.18% to 1,341 pence.


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 07 2014

"Good funds" Michel Sapin

Tag: events, money, opinions, publications, traveladmin @ 1:37 pm

 

Once again, Michel Sapin1 won the award for humor. "Our friend is finance, good finance2" Sunday launched our Minister of Finance Economic Forum Aix-en-Provence 20143, which this year had the theme "Investing invent tomorrow." Intoxicated by the brightness of Provence, our bagman asked himself the question: "Will it finance a happy, happy in the service of investment, to make people happy?" "Good finance" is one that contributes to real investments. But the needs are enormous. This is even with unemployment, the only true sequel to the global crisis of 2008-2009, as recalled Christine Lagarde4. "At the end of 2013, the GDP of the G205 was 8% lower than their underlying trend (if there was no crisis) and investment down 20% over what should be, "said the director of FMI6.

The diagnosis applies equally to private investment firms for public infrastructure projects. The World Economic Forum Davos7 has calculated that the global economy devoted to these 3700 billion a year in the 1980s. Today is just 2,700 billion, is a lack of 1,000 billion. Citing these figures, Christine Lagarde revealed that the IMF would present a study on this topic in early October on the 40 major economies.

"In the United States, the United Kingdom and Germany, budgets are now 10% lower than they should be," said said the boss of the IMF, while noting that, for France, it was not the case. The French deficit investment is doing well, in her view, on private investment. Collapse

investments

Michel Sapin, for its part ready to subscribe to this diagnosis, if not it also recognizes that danger looming on the side of local authorities. The new municipalities are now "very careful, a too cautious," said he acknowledged at his press conference. Already smarting from the collapse of the housing investment, which "cost 0.4 percentage point of GDP growth" we, according to his figures, it should not be depressed after the building now gaining public works. Featuring

himself an outstanding hearty temperament, Michel Sapin is satisfied that the conditions of the trust is there, "now that companies perceive new opportunities and the CICE arrives in their accounts. " As for the discontent of social partners, Medef8 among others, and the left wing PS9, he summarized by this formula: "The complainers, the rechigneux as they say in Berry, feed the slingers, and the slingers feed moaners. "


Jun 24 2014

Montebourg prepares the "CAC 40 future"

Tag: events, finance, opinions, resources, traveladmin @ 7:29 pm

 The

France suffers from a lack of business intermédiaires1 size (ETI), these large SMEs, three times as many in Germany, which is the real engine of the German economy. Determined to turn the corner, Arnaud Montebourg2 said nothing less than "prepare the CAC 40 future," Tuesday at Bercy, on the occasion of the presentation of a study by Bpifrance3 and the General Directorate for Competitiveness, Industry and Services (DGCIS) on the economic prospects of ETI.

"We will assemble a team of France 40 SMEs, which will be selected during the summer with the intention to engage in an acceleration of their size "said the Minister of Economy, convinced that" our SMEs can become world champions. " The aim is to concentrate all efforts advice, funding support, on a core business, handpicked to make up the range very quickly.

"We incubators and accelerators startups. We do not have to SMEs. This is what we will put in place. These SMEs will be helped to export, innovate and grow. We will put in the oxygen tent to make very quickly ETI, "says Nicolas Dufourcq4, CEO Bpifrance, at the forefront of this project.

"Operation Commando"

The idea is to set up a sort of "commando operation, selecting a small number of SMEs, and encourage their hyper- combining all means, "says Pascal Faure, head of the DGCIS. The state already has in his sights SMEs likely to change scale, through the regional offices of companies, competition, consumption, work and employment5 (Direccte), following on the ground a thousand of high-growth SMEs considered "nuggets". "We will tap into this pool those that seem best prepared to sprint," he adds. On

Ubisoft6 in video games, through 7in Beneteau sailing, Boiron8 in homeopathic medicine or Babolat9 in ropes for tennis rackets, which are all included in their top 3 global market, France has beautiful ETI. But they are too few in number: they are only 4794 in France, against 12,000 in Germany, 10,500 in Britain and 8000 in Italy.

"You can do anything in France only when we invest," says Nicolas Dufourcq, citing the example of Gray Découpage10, industrial ETI specializes in fabricated metal washers for the automotive industry. A pure commodity product, and yet they have nothing relocated. But they are doing because they invest 15% of their sales! ".

The issue is critical because ETI are at the heart of the economic machine: they weigh 28% of total turnover of enterprises and account for 45% in executive recruitment, 26% of expenditure on research and development and 34% of exports. After a slump in 2013, ETI anticipate an increase in their activity in 2014, the times of investment and exports, especially in the industry, according to the latest business survey Bpifrance and DGCIS11 conducted in March 2014. Employment prospects also improved, with a quarter of ETI planning to hire in France this year.


Apr 15 2014

Fight against cancer: Publicis auctioned notes Kylie Minogue

Tag: Uncategorized, business, economics, events, opinionsadmin @ 9:08 pm

 A

"if" played by the bass, or "the" sung by Kylie? Fans of the Australian singer and beyond, all interested persons will be given the choice by participating in a fundraising operation of a kind original. An association of French oncologists, the Alliance for Cancer Research (Aprec1), had the idea of ​​an international campaign involving Minogue2 Kylie herself a survivor of breast cancer in 2005-2006. The idea: to sell by the 4408 notes one of his original songs, "Chrystallize", thus offering fans the opportunity to become owners and, incidentally, to do a good deed. Since Monday

and for ten days, visitors can discover the partition, choose their notes and follow the auction in real time on the onenoteagainstcancer.com3 site. After the operation, the 4408 winning bidders will receive the song preview, a personal ownership certificate and their names will be highlighted in the credits of the clip cash advance no fax. Country

100% Social

"This is a world first: the campaign, which does not have a purchase euro area, s' 100% based on social networks, "says Olivier Altmann, head of the creation of Publicis Council4, originally the project. To make noise around the operation, are the owners of media Kylie Minogue who are involved. The star has over 2.6 million fans on Facebook, more than 2 million followers on Twitter and 400,000 followers on Instagram. The specialist auction on Internet eBay5 deals with technical aspects of the device and its deployment in the world. All stakeholders

songwriter parts, publishers and production house, graciously agreed to participate. Profits from sales of notes and single will be donated to APREC.


Mar 30 2014

How to choose a marriage contract

Tag: events, finance, online, opinions, worldadmin @ 11:44 am

 

You're getting married? You are reluctant to talk about money? Surely you can not imagine a future be divorced. However, almost one in two marriages ends in a DIVORCE1. "Brides and grooms often evade these money issues that put uncomfortable," says Nathalie Couzigou-Suhas, notary in Paris. To avoid problems in case of separation, establish a prenuptial agreement that will govern your life together and decide the fate of property. Depending on your situation, some plans are more appropriate than others.

The community property acquired after marriage

This procedure, called legal, applies automatically if you do not plan no contract mariage2. "All property acquired during the marriage, all debts fall into a common basket," says Patricia Viollaz, notary in La Roche-sur-Foron (74). In case of divorce, everything is shared equally. Only assets leased or inherited remain personal. Attention fruit donated property inherited or fall into the common basket. Xavier made the sad experience. "I would rent a property that I inherited and I put aside, he says, when I got divorced, I thought I could use the money to buy a property but I fell high when I knew I had half my ex-wife. "the statutory scheme is not a panacea. "If there is no large inheritance in anticipation, two employees may be satisfied, but if one is self-employed or a business owner, better regime of separation of property," advises Patricia Viollaz. Know that every marriage contract requires the intervention of a notary. The separation of property

In the regime of separation, each spouse retains ownership of its property, whether acquired before or after marriage or received by donation or succession3. Debts are also personal. Except in the case of those related to household maintenance and education of children. Warning: if you are surety credit, which is common in real estate, you can not avail yourself of the regime of separation of property. You will be liable for the debts of your spouse. Rigid, the regime of separation can be arranged. Some goods may, for example, be pooled to support a spouse who has little income. "We can then decide who is the owner and in what proportions," says Nathalie Couzigou-Suhas. The participation of acquisitions

"It's a mix between the legal system and the system of separation," says Nathalie Couzigou-Suhas. It is used for example when one of the spouses, often the woman waives work to raise children. With this waiver, it allows the other to enrich themselves. How does this plan? Before marriage, a property inventory of each is achieved. During the marriage, each spouse retains ownership of the property it acquires. But in case of divorce, "we take stock of the assets acquired by each and if one is more enriched, it must compensate the other," says Patricia Viollaz.

The regime of universal community

In this system, all property acquired before (even by gift or inheritance) or during the marriage become common. In case of separation, each gets half the heritage and in case of death, it all comes down to the survivor. "The scheme was recommended for couples who do not have children and do not want to pay inheritance tax. Today, with reliefs of the law Tepa, it has less interest, "says Patricia Viollaz. But it occurs in the case of couples recomposed. A handle with care, however, when there are children, they can not be disinherited. Tip: whatever the marriage contract, make sure it follows well the evolution of your relationship and change it if necessary. And

for PACS couples? You prefer pacser

4? Under these conditions you are automatically subject to the regime of separation of property. As spouses who choose this plan, each retains ownership of the goods he buys for the PACS or has received by gift or inheritance. If you do not want to be under this scheme, you can opt for the regime of ownership. In this case, all property acquired after the conclusion of the PACS, by one or other of the PACS are deemed to belong equally to both partners, even if one has helped finance more than the other.


Mar 25 2014

Mayors called in to work at home

Tag: events, life, opinions, resources, traveladmin @ 4:40 pm

 Marie-Béatrice Levaux

looking forward to next Sunday, the end of the municipal elections. President of the Federation of particular employers 1 (FEPEM) will start its operation as "1000 Mayors", which aims to increase employment at home in territories2. "We will establish, at the beginning of the term of office, a special contact with a thousand mayors of municipalities with more than 9,000 people to sign regional agreements allowing them to develop employment at home," she explains exclusively to Figaro.

The purpose of this operation? "Bringing these common concrete answers on several issues that are the home of early childhood services for families and individuals employers frail," she explains. FEPEM will therefore offer new shares to several councilors including the linkage between employers and employees in the territories, securing the employment relationship between public employers and employees, as well as better information for professionals engaged in the field.

"This initiative is part of our compact home job, which aims to create 50 000 net jobs in the sector by the end of the year, the statement of 2 million hours of overtime and hiring 150,000 new private employers, "says Marie-Béatrice Levaux3. Chair individual employers, who hears meet this challenge, wants to revitalize an area which included the end of 2012 some 3.6 million individuals employing 1.6 million employees.

Time is indeed clearly "the reconquest of jobs in the family." For many years, the indicators have gone from green to orange or even red, with a resurgence of the black, amid tightening fiscal and slowing economic activity. "The years 2012 and 2013 marked a decline in employment at home, with a sharp decline, particularly in 2013, the number of childminders," admits Marie-Béatrice Levaux. Increased allowances

According to final figures Barometer job family, which will be released this week, nearly 23,200 salaried jobs have disappeared in 2012, a decrease of 1.4% in a year. If one excludes the field of childcare (still in green), hemorrhage is more important encore4, with a net loss of 28,500 jobs over the year. The reason is the decline in the number of private employers. The year 2013 – on which we do not have the final results – does not show up under better auspices since the first three quarters of the year, the number of payroll jobs fell by 2.6% and, especially, the number of hours reported plunged 4.5%.

The reason? Taxation on home jobs that hardened on 1 January 2013, with the abolition of the system of declaration package, offset by a reduction of charges 75 cents per hour travaillée5. For the president of FEPEM, the account is not there any more. Marie-Béatrice Levaux meeting for several weeks so the executive demand a greater reduction of € 2 per hour worked. "We want to create sustainable conditions for the great middle class is able to stay in the future employer," she insists. Otherwise, the employment figures at home may continue their inexorable decline.


Mar 22 2014

SFR Bouygues can still counter Numericable?

Tag: economy, events, features, online, traveladmin @ 7:52 am

 

Thursday night Bouygues1 launched a bidding war on SFR2, trying to convince her to give him Vivendi3 telephony subsidiary, at the expense of Numericable4. A bet may seem daring while Vivendi and Numericable Altice5 (its parent) are in exclusive negotiations. Under these conditions, Vivendi Can only watch this offer?

At the moment, the media group merely reply that his "Supervisory Board decided on 14 March to enter into exclusive negotiations with Altice for a three week period. " A statement that resembles a certain estoppel. "It's a bit like buying a house, between the promise of sale and the signing of the act, he spends some time during which the seller can not abandon the transaction without suffering the consequences" illustrates a close case. Vivendi could therefore bypass the bidding Bouygues and continue to negotiate with Numericable so as to finalize the sale of SFR in the coming days.

For others, the supervisory board "can not not look at an offer that is in the interest of the shareholders of Vivendi." Against the proposal Bouygues Telecom 6est best bidder of € 1.4 billion in cash compared to Numericable on the envelope to 13.15 billion euros. But Henri Lachman, a member of the Supervisory Board of Vivendi and Chairman of the ad hoc committee had to decide on the tender would have argued last week that "450 million euros it can not refuse", referring to the gap between offers Numericable and Bouygues before the latter was the cash portion of its offer.  

If board members Vivendi watched the new offer before the end of the three weeks of exclusive April 4, they take a legal risk. Numericable would be entitled to go to court to file a civil complaint to request damages. "The law limits the risk to the costs already incurred by the complainant," however, says a close case. Others cite the contrary, a penalty clause which could reach tens of millions of euros for breach of exclusive negotiations. Can

Vivendi simply playing for time and drag the exclusive negotiations, so they do not end before the deadline of April 4? In this case, the meter would be in some way reset. "Legally, exclusivity is a commitment to negotiate in good faith," said a lawyer.


Mar 17 2014

In Britain, five families have as much as 20% of the population

Tag: business, economy, events, international, specialadmin @ 4:36 pm

 

The five richest UK families have as much as 12.6 million poorest British. Their combined wealth, 28.2 billion pounds (33.7 billion euros) is the legacy of the 20% of the population of the country at the bottom of the social ladder, according to a study published Monday charity Oxfam. In

topped the list of British fortunes established by Forbes, the Duke of Westminster, Gerald Grosvenor, has as many (7.9 billion pounds, or 9, € 4 billion) than 10% of its poorest citizens. Aristocratic family owns 77 hectares of land in the most exclusive areas of London, Mayfair and Belgravia around Buckingham Palace, as well as 39,000 acres in Scotland, 13,000 hectares in Spain and a large real estate portfolio.

Behind him are the Reuben brothers of Indian origin, who made his fortune in metals, Hindujua brothers also entrepreneurs of Indian origin, Cadogan family, large property owners (36 hectares Chelsea and Knightsbridge, London) and Mike Ashley, owner of the retail chain Sports Direct.

"A nation deeply divided"

While the British economy has resumed at a steady pace, growing inequalities. Between 1993 and 2011, revenues from these privileged doubled, while those of 90% of the population increased by only 27%. "Britain is becoming a nation deeply divided, where a wealthy elite saw its revenues soar while millions of families are unable to make ends meet, says Ben Phillips, director of the action Public Oxfam. This is not a sign of economic success but a failure. Far from being inevitable, the result of political choices that can be changed. "

The government of David Cameron presents his budget on Wednesday. Oxfam calls for a strengthening of the fight against tax evasion, the introduction of a tax on financial transactions, a more progressive tax system and a higher minimum wage.


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