Jul 29 2014

Craftsmen and traders do not see the recovery

Tag: Uncategorized, events, online, top news, worldadmin @ 10:44 am

 No

embellished on local employment expected in France, at least in the short term. It is the fact that the Professional Union Craft (UPA) book in a survey published Monday on the economy and employment in the sector in the first half of 2014.'s Approximately 1.3 million companies nearby , which represent 20% of the workforce employed in the private sector, saw their sales fall by 1.5% in the second quarter this year. The turnover of the sector is in the red for more than two years. Result: companies in the sector are not likely to recruit. "Only 19% of these companies have hired the entire first half, flat compared to 2013," said the UPA. All sectors are not housed in the same boat: 34% of businesses in the hospitality industry hired when they are no more than 9% and 11% respectively in the service and food. "These figures remind us that the pact does not have any responsibility in business reality and the acceleration of the timetable for lower cost of labor was totally justified," says UPA in its communiqué openly criticizing the slow implementation of government policies.

No improvement expected in 2014

The craft enterprises and local shops are not optimistic for the rest of the year. 30% of CEOs believe their sales will continue to deteriorate in the next quarter, up 7 points over three months. Worse, only 12% plan to hire in the second half or even less. Not surprisingly, the hospitality industry is the most optimistic sector and hopes to use the summer to hire and recover its margins. In contrast, only 5% of artisans public works plan to recruit. Hiring intentions are also very low for the services or the building. Finally, the part-time commonplace. Thus, nearly a quarter (24%) of business leaders have used, especially those in the hospitality and food (40% and 31%). More than a boss in two (51%) employed part-time for less than the new legal limit of 24 hours per week. UPA demand an easing of the legal system "so that the common interest of the employer and the employee may be privileged." Between the government and employers, differences persist.


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 09 2014

An American harvest tens of thousands of dollars for his potato salad

Tag: Uncategorized, online, opinions, people, specialadmin @ 11:16 am

 

Some jokes can be expensive, others report more than expected. Danger that Zack Brown has allowed him to harvest date, 57,000 dollars (41,800 euros) and gather more than 4000 contributors around … a salad potato. And it's not over as there is still 24 days before the end of the quest.

When the young American publishes its project on the crowdfunding site Kickstarter, it sets its target to $ 10. "I'm just a salad potato. I have not yet decided which, "says Zack in the project description. For those who are willing to finance the salad up to a dollar, it promises a "thank you posted on the site" and recite their names aloud while cook. For $ 3, visitors must get some of the finished product. Sole risk of this unusual investment: "This may be not good, this is my first salad of potatoes," warns Zack in the "Risks and Challenges" section of the page Kickstarter1.

…… The improbable project met and exceeded the original target. Zack takes the game and promises new counterparties. At $ 35, it will be "four times more potato salad." At $ 75, it will hold a "pizza party". Ultimate grail, 100 dollars for which gratify contributors two different salad recipes potatoes. Against all odds, mayonnaise takes. Boosted by social networks, the project has been an unexpected success and donations accumulate. In just three days, it reached 4000 dollars. In a video posted Sunday Zack thank users "without whom it would never have been possible guaranteed pay day loans."

…… "When I started this campaign [crowdfunding], my secret goal was to reach $ 60, "reveals Zack. He is now the head of a virtual capital of tens of thousands of dollars. Wednesday morning, the project brought together 57,000 dollars and more than 4,000 contributors. "I never thought it would take on such a scale, responded the young man on the U.S. site Reddit2. Ten dollars seemed a reasonable goal. I think people have found an opportunity to gather around something as absurd as banal. "

He invites" all internet "to a baby salad potato … ……. In exchange, American offers a hat bearing the image of a potato salad or a cookbook, send it in December. This leaves a few months to organize Zack, who plans to "rent a large room to invite all Internet a feast of potato salad." While some question, however, the project should be approved by Kickstarter.

The site has softened effect there one month operating rules and the draft Zack, although delusional, meets the three conditions imposed in that the project must "propose creating something to share with others," "to be honest and clearly presented" but that the funds raised are for a "charity" and that the proposed compensatory measures are financial. Asked about the moderation of such fanciful projects, crowdfunding platform has répondu3, not without humor, that "there is no single recipe for inspiration."


Jul 01 2014

Why learning did he not successful in France?

Tag: economy, news, online, resources, top newsadmin @ 7:33 am

 

Youth unemployment is the scourge of Europe, particularly in France. Under the effect of the crisis, has reached unprecedented levels in 2013, the share of young workers aged 15 to 24 years unemployed stood at just under 25%, with peaks of 55% in Spain or 58% in Greece. In France, 24.8% of young people under 25 years were out of the labor market in 2013, against 7.9% in Germany free 3-in-1 credit report. Worse, 150,000 young people leave more or less every year of school without a diploma or professional qualification. And 1.9 million are neither in employment nor in education or training – the so-called NEET – 17% of the 15-24 age group, one of the highest in the OECD countries rate .

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Apr 29 2014

How do we make our races in 2025?

Tag: Uncategorized, news, online, resources, traveladmin @ 3:49 pm

 

"With the massive use of the Internet, we live the same kind of period when we found the car, train, and electricity at the same time": François Bellanger is Director of the "think tank" TransitCity 1 and sits on the Scientific Committee Europacity the Pharaonic Auchan2 project aimed at building a large market town combining leisure, culture and consumption. According to him, how to make our races should evolve dramatically in the coming years, including the following two main areas.

One is to save time, thanks to the proximity (multiple small pave signs everywhere), transit (with drive-in3 and stores in train stations or subway stations) and finally through purchases on the Internet. The other axis would, conversely, to "enhance the experience" of the purchase. François Bellanger and take the example of football stadiums overflowing, despite the abundant supply of specialized channels which broadcast the matches, "he'll just have to increasingly justify the movement," he explains cheap insurance.

In the same way that the shops which lowered the store at lunch and after 19h suffered an exodus of their customers, especially women work, to major retailers and hypermarkets, some retail players should "disappear" if they do not quickly reinvent themselves to compete on the web. One point on which bounces Distinguin Stéphane, President of FaberNovel4 and also looking for Europacity: "We must recreate the magic trade, souks and bazaars," said the latter.

"We'll have to re-imagine the physical world based web"

Distinguin Stéphane, President of FaberNovel. The interface

. stores should change gradually. First possibility: that pushing, soon our caddies in shelves … hyper-connected. "Whether with a smartphone5, Google Glass6 or bracelets connected system, we can easily imagine multiple sensors and ambient intelligence allow shopping centers to focus on the consumer experience," explains Stéphane Distinguin. Thus, from the "type" of customer profiles, the large surface area could be adapted according to the different periods of the year or even hours of the day. A process reminiscent deployed to Disney World, Orlando 7.

Second point: the opening up of the universe. While on the Internet, consumers can go from fashion to DIY a query on Google8 Francois Bellanger insists that many stores will have to strive to "give more" to their client. Stéphane Distinguin not say anything else: "We can not imagine a world without contact car company insurance maryland. But we will have re-imagine the physical world based web, especially with regard to the porosity of the universe "visited, he says. Especially since so far, the latest innovations (the drive-in ordering on the Internet) destroy all the impulse purchase – the famous chewing gum to funds – One critical manna in the distribution9.  

Finally, each company should seek different ways to add "relevant experience" strengths: sales temporary spaces, social mix, original frames … "The question to ask is: what can not dematerialize, "explains Stéphane Distinguin?. Developed to transform its store amusement park? François Bellanger response: "You know, after all, Disneyland is only one mall that dare not speak its name …".


Apr 25 2014

Manuel Valls arouses distrust on economic issues

Tag: international, online, publications, special, traveladmin @ 10:58 pm

 After months

atop the popularity of Manuel Valls1 it would begin its decline? According to a survey * BPCE-ViaVoice for Les Echos and France Info2, 64% of French do not trust the Prime Minister to improve their purchasing power in the coming months. Mistrust which currently focused on economic issues. After taking March3 end function, its popularity and satisfaction varied according institutes, between 41 and 58%. A flattering level for the new head of government, which dominates François Hollande4.

Last week, after the Council of Ministers, Manuel Valls detailed plan of 50 billion euros 5to finance pact in responsabilité6 for businesses and reduce the deficit. He also introduced measures for the poorest, including an envelope from June to August billion. But it seems far too limited to French. Lower contributions on wages up to 1.3 times the minimum wage from January 1 is considered "symbolic" 72% of them. A shared popular categories opinion (74%) and supporters of the left (55%) car warranty.

53% of French are also confident that their purchasing power will decline over the next three months, against only 9% believe that it will increase. Expenditure items that appear more "concern" are taxes (52%), electricity (37%) and food (35%).

After his policy speech to the National Assembly on 8 avril7, six French 10 already felt that the Prime Minister would "rather not effective" reduce unemployment and 56% doubted its effectiveness to "allow more social justice," according to a BVA poll for Aujourd'hui en France / Le Parisien and i-Télé8. A few days earlier, a Tilder/LCI/OpinionWay9 survey revealed that only 43% of French trusted him to revive the French economy, against 56%.

* This survey was conducted online from 11 to 16 April 2014 on a sample of 1,011 people representative of the French population aged 18 and over .


Apr 17 2014

Nuclear: ASN wants new powers

Tag: economics, economy, online, resources, top newsadmin @ 8:28 am

 Despite

nuclear situation in France considered "satisfactory overall in 2013," Pierre-Franck Chevet1, president of the Nuclear Safety Authority says negative points.

Two difficulties are attributable to Areva2. The first is "related to the storage of waste on the former site of La Hague packaged in concrete silos." This is not the most technical tip: these compounds should be stored in "stable containers," says Pierre-Franck Chevet. These waste produced by the unit reprocessing spent fuel UP2-400 arrested for eleven years, have been the subject of recommendations in 2011. But the cost of operations deemed "priority" by ASN3, is € 2.5 billion at the expense of Areva. Faced with this amount, it is understandable that the discussions drag on, for an operation that will spread until 2030

. In addition, site fuel fabrication FBFC Areva in Romans-sur-Isère, was placed "under enhanced vigilance." After handling errors on small bottles of fissile material in 2012, "repeated problems and recurring security" have been identified. Areva proposed April 10 ASN to launch "an action plan reinforced."

In addition, while the EDF's nuclear fleet is subject to a satisfecit global4 three plants (Civaux, Chinon and Bugey) are less well noted. After a detailed inspection in October 2013, ASN inspectors noted that Civaux was "withdrawal on compliance and implementation of basic safety principles" and noted "significant differences in respect of environmental regulations. "

These examples illustrate that the ASN requests the State the right to impose on operators' new sanctions, "" daily fines "c that is to say fines. So far, the authority has "the right to close a nuclear plant in case of danger or transmit a report violations to justice," says Pierre-Franck Chevet, who regrets not having sanction intermediate between these two extremes. It hopes that this law is integrated bill on energy transition and suggests the reform of the financing of the ASN, using "direct contribution of large farmers." This increase expected budget, € 50 million per year, together with the IRSN (Institute for Radiological Protection and Nuclear Safety), could help the ASN to fill expanding roles, such as radiology equipment control . Harmonize rules

In the longer term, the ASN must review the plan called "refit" of EDF's nuclear fleet, estimated at 55 billion euros for the extension of the life of plants. To allow reactors to operate beyond 41 to 45 years of service, Pierre-Franck Chevet expects "an appointment particularly complex. For reactors will implement safety features like those of the EPR. " ASN will deliver its final opinion on the matter in 2018

. In the event of a major nuclear accident in Europe, which could affect several countries, ASN would harmonize rules for the protection of populations. Despite the Chernobyl disaster in 1986, levels of intervention are specific to each country. The first discharge thresholds are for example two times lower in France than in Germany. And everyone would have the right to stable iodine tablets in France in a 100 km radius around the accident site, while in addition the Rhine distribution only concern first the age of 18 and speakers. women


Apr 13 2014

Home insurance: cover its garden and pool

Tag: Uncategorized, economics, finance, international, onlineadmin @ 11:56 pm

Home and garden insurance contract

A home insurance covers the property and its dependencies. But the garden is not taken into account. Thus, the damage caused by fire, frost or flooding will not be compensated. The financial loss can be significant in a manicured garden, comprising for example plantations costly.

To protect it advisable to adopt a specific guarantee for his garden. It is usually possible to integrate it into its home insurance, by requesting a contract extension to his insurer.

Warning: the insurer may demand the installation of fences and locked a monitoring system of the garden, before signing the contract. Housing and green spaces

Insurance

Just like its habitation1 insurance, it is possible to take different levels of security for his garden insurance. The first level of coverage is guaranteed "green spaces". As its name suggests, it covers only the vegetation (trees, massive, plants) where climate risks, vandalism or theft.  

Useful for owners and lavishly maintained with rare or expensive planting gardens, this insurance is less need for a simple grassy field. Reinforced garden

Insurance

installations made: garden shed, stone barbecue, fence, swing, outdoor lighting … Home insurance does not take into account the property it is better to take a garden guarantee strengthened to be compensated for any sinistre2.

Of course, the purchase of this extensive coverage will boost the amount of home insurance premiums.

Tip: an insurance broker 3pourra help you negotiate your best deal. Home and pool

Insurance Home insurance does not take care of damage to a swimming pool set in the garden. Depending on the type of model and its cost, increase the risk covered is indeed important. Again, it is necessary to adopt a specific guarantee.

As for the garden, a rider can be added to the contract home. The pool shall comply with all safety standards in force, to be covered by the insurer. To protect yourself against the risk of drowning, liability guarantee is highly recommended.

SERVICE:

"Enjoy a comprehensive insurance from € 5.90 / months4


Apr 03 2014

Each player loses an average of 400 euros per year to gambling

Tag: money, online, opinions, people, specialadmin @ 1:52 am

 

Despite the crisis, gambling continues to attract French. Whether for a scratch ticket, to bet on a horse or fill a grid lotto, French households bet of € 46.2 billion in 2012, 76% more than in 2000, according to a study of INSEE published this Wednesday1. Enough to cover half of the deficit of France amounted to € 87.6 billion in 2013!

Almost half of French play at least occasionally. On average, the player bets 2,000 euros per year for a gain of € 1,600 and a loss of 400 euros. "But this is an average, an expert insists INSEE. Many people play mini-game are when a big development. " Another sign of this craze for games: their share in the budget of families n 'had to stop increase over the past decade, from 0.6% in 1990 to 0.9% in 2004, before record a slight decline in 2018 to 0.8%. Crisis forces! The French

lose money, but less than before

The French betting more money, spending (read losses) in 2012 also increased from € 6.4 billion in 2000 to € 9.5 billion in 2012, an increase of 48% over the last twelve years. Updates have increased faster than spending (76% against 48%), the rate of return players (TRJ), that is to say the proportion of bets operators render players, is now better it was 10 years, ie they lose less money than before.

But the state always ensure that this rate is balanced. "It should not be too high because it would promote addiction and money laundering, said the same expert. Conversely, a minimum rate is necessary to clean up the competition between operators and protect the players. " For example, the TRJ must be less than 75% for the lottery, 85% for sports and horse paris online and conversely, greater than 85% for slot machines payday loans. Inequalities between

FDJ, PMU, casinos and online gaming sector

gambling is composed of four actors: the French Games (FDJ), Pari Mutuel Urbain (PMU), casinos and online gambling since their approval in 2010. If the activity of the FDJ and PMU has been dynamic over the past decade and it focuses on two 71% of the activity, the casinos (24%) lost momentum from 2007. "In addition to the 2008 crisis, they suffered regulatory changes (mandatory identity checks and banning smoking)," write the study authors. Online games, they represent only 5% of the market.  

Another lesson from this survey: compulsory levies are very different from one game to another. FDJ reverse 67% of it being pocketed in the coffers, casinos 54%, 51% for online operators and only 39% for the PMU. Its low tax rate is explained by its participation in the financing of the equine industry. The PMU

, the most profitable trader

All stakeholders do not have the same rate of return which is calculated from the gross gaming revenue ( PBJ), that is to say the difference between the set of players and their winnings. Thus, the PMU has the highest profitability affecting 34% of GGR, casinos unable to reach 18% of PBJ when online games no profit, says INSEE. The most surprising is probably the rate of return of the JDF, which is only 3% of GGR. Involved? Its very high taxation. However, the State is its main shareholder (72%) did not seem to suffer!

At the end of the survey, INSEE said that gambling addiction concerns 10.8% of active players, or 1.3% of adult population.


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.


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