Aug 29 2014

These apps that deem the conduct of motorists

Tag: economy, features, people, resources, top newsadmin @ 9:36 am

 Insurers

decided to help motorists make progress. Their weapon? Apps that serve but also learn to improve his behavior. Axa proposes a few days "Axa Drive," which sounds an alert every day fifteen minutes before the time, at the latest, you have to climb into his car to be on time – without excess Speed1 – with the nanny or the gym, depending on traffic and road works, valued in real time.

But above all, this app can assess the talent of the driver. Coupled with GPS, it falls if it adopts the right cornering speed, braking too hard, traveling at the right speed (the average traffic), etc. "The app gives a score for each trip. We can then relive the journey to correct his mistakes, "says Thierry Fabing, deputy director digital at Axa France. Direct

Insurance and Allianz launch their bids

Axa developed this system with its subsidiary Direct insurance2, which has also launched in July "Youdrive." App also evaluates the conduct of the driver, asked to compare his score to other users. The insurer did not hide his ulterior motives. It plans to launch a 'pay how you drive' insurance by the end of the year. Or how to modulate the driver's insurance premium based on his driving behavior, since we know now how to evaluate it fast cash now. At stake, a reduction that would go up to 600 euros a year, provided you install a box collecting the same information as the app to send them to the insurer. Allianz3

will also take the plunge. In recent weeks, it already offers its customers to install on their dashboard an electronic box. Associated with a smartphone, this little device locates the car when you forget where it was parked. If it detects a strong impact, it automatically alerts the audience that, after trying to contact the driver, sends relief at the site of the accident. It also records the speed of the motor, the intensity of turns, distance, time and other technical data (other than the speed of the car) to provide an index of conduct, 1-100. "Having an objective indicator gives you a different perspective on your behavior," notes Delphine Asseraf, digital director of Allianz France.

In 2015, Allianz policyholders who have subscribed this offer (optional, for 50 euros per year in their contract) and that will conduct righteous will be rewarded: they will receive a discount on their premiums. But those who still have some way to go do not pay more. "It's an encouragement, not punishment," insists Delphine Asseraf.

There are many advertisements that boast of having lower cost for car insurance, but the truth is, most all car insurance companies can provide you with a cheaper policy just by streamlining your coverage.

Aug 27 2014

Macron Bercy: MEDEF "wants to see" Force Workers 'worried'

Tag: economics, events, international, news, resourcesadmin @ 1:20 pm

 

"(With the new government), it is in the social-liberalism. And Emmanuel Macron is the symbol. " The least one can say is that the appointment of former banker at Rothschild to head the Department of Economics1 is far to please Jean-Claude Mailly2 General Secretary FO.

Even before the new tenant Bercy has taken office, the union is under no illusions about the economic policy that will lead. "Given his background, the economic policy of the last two years, namely a policy of austerity, will be strengthened (with its arrival)," said Jean-Claude Mailly, Wednesday morning on France Inter. "This line is in line with that of the MEDEF. (His appointment) is not a good idea for the French economy. I'm worried. Unless Emmanuel Macron change. "

It could therefore be expected that employers welcome the arrival of the man who was "one of the fathers of the pact of responsibility" as "recalled Jean-Claude Mailly. But the president of MEDEF, Pierre Gattaz3, was more cautious than expected. He "expects to see the facts and actions" before welcome the appointment of former economic adviser to Francois Hollande instant payday loans. "Too often in this country tended to hear wonderful political speeches and behind it was anything at the actions," he added.

"Emmanuel Macron knows the business, knows the market economy and knows globalization"

Pierre Gattaz, President of MEDEF

successor Laurence Parisot has not failed, however, to portray substitute Arnaud Montebourg. "Emmanuel Macron has three advantages: it knows the business, knows the market economy and he knows the globalization," he said on RTL. If he can help us and support us with concrete and coherent measures, it will work. " E

Macron in charge of the economy: a good signal when you know he has been the architect Pact Responsibility!

& Mdash; JE Mesnil (JEDUMESNIL) 26 August 20144

"Arnaud Montebourg was a good minister" Jean-Claude

Mailly, secretary general of FO

As for his predecessor at Bercy, Arnaud Montebourg5 if the boss of bosses refused to comment on his departure, Jean-Claude Mailly, he , welcomed the results of the one that was "a good minister, as Estrosi (former Industry Minister Nicolas Sarkozy under, ed.)


Aug 24 2014

Death of Baroness Philippine de Rothschild

Tag: business, economics, online, people, resourcesadmin @ 4:40 pm

 

Philippine de Rothschild, emblematic wines of Bordeaux, owner with her children three Grands Crus in Pauillac Chateau Mouton Rothschild which, died in the night from Friday to Saturday at age 80 years, said the entourage of the castle, confirming a report in Point.  

Baroness de Rothschild was chairman of the Supervisory Board and controlling shareholder of the family-owned company Baron Philippe de Rothschild, which produces and markets including Mouton Cadet, one of global benchmarks in Bordeaux.

She was with her three children, also owner of Château d'Armailhac and Château Clerc Milon.

After a career as an actress, theater especially in the years from 50 to 80 under the stage name Philippine Pascal, Philippine de Rothschild, an associate of former the French Comedy, had left the stage and took over from his father, Baron Philippe de Rothschild to the death of the latter in 1988. 

At the head of the company, the Baroness de Rothschild had helped to modernize and innovate tool in commercial matters and implementation, including creating a second wine, and wine through developing partnerships in California (Opus One) and Chile (Almaviva), recalls his biography on the website of Mouton Rothschild. It was often his wines in person worldwide.

She was also, since 1980, responsible for selecting chosen to illustrate the labels of Chateau Mouton Rothschild artist in the tradition of an artistic tradition dating back to 1945 (over the years, Braque, Dali, Picasso, Chagall, Bacon or Koos among others), and feeding a traveling exhibition "Mouton Rothschild: art and etiquette."

"It was a great lady of wine, remarkable for his energy, his will, his charisma," responded to AFP Olivier Bernard, president the Union des Grands Crus de Bordeaux, which has highlighted the "personal involvement" of the Baroness de Rothschild in the management of its wines, at the position of successor "not easy" to his father. Several sources within the profession hailed Saturday the additional radiation Philippine de Rothschild, through its activity and personality, had rebound on the wines of Bordeaux and Pauillac appellation in particular.

Only child, Philippine de Rothschild had lost his mother deported to Ravensbrück concentration camp and died in 1945 She married actor Jacques Sereys, it had two children, and the academic and writer Jean-Pierre de Beaumarchais, she had a child.

Philippine de Rothschild was an officer of the Legion of Honor and Officer of Arts and Letters.

In a statement, Alain Juppé1 paid tribute to a "great woman (…) who worked hard for the cultural influence of our country." It welcomes in particular his "outstanding contribution in the development of the wine industry in Bordeaux and support [the] City project of Civilizations wine", a large complex of 14,000 m2 dedicated to wine culture, to emerge Bordeaux in 2016


Aug 19 2014

The New York Times knock out the economic policy of the Eurozone

Tag: events, finance, news, publications, resourcesadmin @ 6:40 pm

 

"Stubbornness European leader", "against-productive decisions", "change of essential attitude of Germany" and other language elements: the editors of the New York Times1 have Sunday delivered a stinging attack on the economic policies of the Eurozone. At the center of criticism of American daily: Germany, which, as first power on the continent, would be the source of almost all the bad decisions taken at European level. Growth

is not waiting for you: zero France2, it was down 0.2% in Germany3 and Italy4. "No one should be surprised that the economy of the Eurozone still walking backwards" according to the New York Times, which points to the stubbornness of European leaders to continue their policies so that "they are exactly the wrong treatment. " This "abuse" referred to the editorialists of the New York newspaper is austerity, "the insistence of the European Union, led by Germany, to push governments to reduce their deficits by cutting spending and raising taxes has hindered the recovery. " The European Central Bank (ECB) is not spared, "the ECB has been too slow and not enough willingness to lower interest rates and to redeem the obligations of States, so that these two measures are effective" cash advances pay day loan. Result of this series of bad choices, according to the New York newspaper: in addition to sluggish growth, deflation threatens Europe5 and industrial production continues to fall. The newspaper

advocates radical change of attitude

And the New York Times to offer solutions to boost growth Eurozone6. "Big changes are needed. Like other central banks around the world have done, the ECB should buy bonds of states and other loans, to lower interest rates and encourage banks to lend more to businesses and individuals "analyzes the daily, explaining that the risk that such a policy causes runaway inflation are close to zero.

In addition to these new shares in the BCE7, the New York Times advocates a different tax policy. The simultaneous requests of the EU (worn again by Germany8, the daily) to lower deficits and rising labor flexibility are against-productive and unrealistic in times of mass unemployment.

Finally, the newspaper "advises" on European leaders to take advantage of low borrowing rates currently to revive the economy of the area. But if these measures succeed, the New York Times calls for a radical change of attitude of the European authorities in general and Germany in particular.


Aug 07 2014

The loan rate between zero track

Tag: events, international, people, resources, specialadmin @ 4:24 am

 All hands

for battle in immobilier1. The loan rate ZERO2 expanded to a larger number of beneficiaries and the cap on fees estate agents will come into force.

From 15 September, the agency fees will be paid by landlords with the exception of four benefits shared by the landlord and the tenant. Now visit of dwelling, drafting the lease and the constitution of the file will be capped by three types of areas more or less "tense".

Clearly, they are more expensive where demand far outstrips supply and therefore where prices are highest. These services will be billed from August to December euros per m2 depending on the degree of "tension" of the market where the housing is located. However, the inventory will be capped at 3 euros per m2 across France. Reaching

80,000 zero-interest loans in 2015

The relaxation of the granting interest-free loans (PTZ) must also encourage home ownership to a greater number of households online payday loans. The stated objective of the government is to reach 80,000 zero-interest loans in 2015 against 44,000 in 2013

The vesting conditions of the loan are set in several geographic areas are also classified according to the voltage on the housing market. Now the loan limit on the number of people within the same household and location of housing.

For example, in a "rather tense" zone (B1), a couple with an income of 2250 euros per month can borrow 49,000 euros zero rate instead of 43,500 euros currently. In

"unstretched" (C) zone, a family with two children living with 2000 euros per month may borrow 35,000 euros instead of 31,000 euros currently and receive a deferred repayment of 14 years instead of 5 years old today

The new "PTZ" will be available in October 2014, the time for banks to update their computer systems.


Jul 28 2014

McDonald's France should achieve the best year in its history

Tag: economics, events, publications, resources, specialadmin @ 8:04 am

 The French subsidiary

always the model student at McDonalds. If the global results of the fast food giant in the first half, published last week, disappointed, France stands out for its sustained growth. Despite the crisis and the purchasing power at half-restaurant sales company-owned and franchise of the Hexagon rose 4.8% since January. "We should manage to maintain this growth rate in the second half," said Jean-Pierre Petit, CEO of McDonald's1 France, with sales under the brand reached € 4.46 billion in 2013 ……

… "A portion of the sales growth comes from change in scope related to the opening of new restaurants (40 to 50 per year, Ed), another our effectiveness in the development of network performance, explains Jean-Pierre Petit, which celebrates its tenth anniversary next January at his post. France is the second subsidiary behind the U.S. in terms of profitability, and 2014 will be our best year in absolute terms. "

In a market where the crisis continues, King hamburger experienced a steady growth in business for several years. France, land of gastronomy, where he established in 1979, has become a very profitable market for the group. "McDonald's has succeeded in the synthesis of DNA and its American culture through the French lines, recipes, restaurant facilities and services tailored to the needs of the French," says Jean-Pierre Petit, citing jumble the use of Charolais meat, cheese AOC and its range of snacks and salads. The burger

come to the table chefs

"We have been able to evolve and innovate constantly, as the last example, the integration of new technologies in our restaurants and we were able to take into account the concerns of the French company in terms of quality, traceability and food safety, "develops the CEO Low fee payday loans. McDonald

France is a creative company that provides jobs "second chance" to young people without diplomas. The group, which employs 72,000 people in France, established 9000 net permanent positions between 2012 and 2014. It plans to create as many over the period 2015-2017.

According to its CEO, the development potential of the fast-food chain remains very important in France. If McDonald holds between 78% and 80% of the hamburger market, far ahead Quick2, KFC3 and KING4 Burger, who made his return to France a few months ago, and 63% on the fast food, its share falls 12.5% ​​on the commercial foodservice, which includes the restoration table. The latter market is stagnating for years. Meal a week is taken out of the house in France against one in three UK and two in the United States.

To gain market share, the company put on "a wide range and affordable prices for répondreà all market segments," and his heart business, the hamburger. The multiplication of an offer hamburgers in traditional restaurants and chefs table is welcomed by McDonalds. "It's very good. This gives acclaim to a quality product and natural. Multiplying the competition can widen the market, "says Jean-Pierre Petit.


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 06 2014

Companies forced to reduce their quota of trainees

Tag: Uncategorized, finance, news, resources, specialadmin @ 8:53 am

 

While many young people "still struggling" already to find internships, often required to validate their years of study, the new law on the supervision of stages1, finally adopted on 26 June will complicate their task a little more. Starting again laudable intentions – they protect young people against abuse and other "courses copiers" – this text is likely to miss its target. For

by increasing constraints, it may discourage foremost business leaders to open their doors to students. However, demand is high: the number of stages2 in France has almost tripled in less than ten years to 1.6 million per year, in part due to their generalization in the curricula of secondary and higher education. But also because the course has often become a point of passage for a first job.

Result, since July 1, employers are forced to comply with new Obligations3. First, they must not exceed a maximum ceiling of trainees based on number of employees of the company. This number, which will be fixed by decree, could be three trainees in enterprises with more than 30 employees, and 10% of trainees in larger companies. Cherpion Act

2011

"Violation of this provision shall be punished by a fine not exceeding € 2,000 per trainee concerned and 4,000 euros if recurrence, "said the law firm DaemPartners, recalling that the limitation period of the administrative action is two years. The maximum duration of internships remains at 6 months, but in two years, there will be no derogations possible for example to make a gap year in his studies to go abroad.

Then entrepreneurs will have to increase by September 2015, the remuneration for internships over two months, which will increase from 436 523 euros monthly. Finally, they must extend to all students access to the restaurant business, earnings restaurants securities or reimbursement of transport costs where they exist for their employees.

"This rigid and dangerous law will scarce supply Internship"

Patrick Hetzel, UMP ….. ….. In addition, the law reinforces the means to identify and punish any abuse, introduces leave of absence, leave, time aligns the presence of trainees on the employees, exempts from tax income gratification. "The names of the students in the institution should now be listed in order of finish in a specific part of the single registry staff to facilitate the monitoring of labor inspectors" still regrets the cabinet DaemPartners .

The left supported the text "going in the right direction" and reflecting a campaign promise François Hollande4 despite flats Left Front, while the UMP and the UDI voted against. The objective is not to "leave to think that companies are fraudeuses, but some like to play with the rules," observed Denys Robiliard (PS). Whereas

"existing law already protects students' thanks to Cherpion Act of 2011, Patrick Hetzel UMP denounced a bill" rigid "and" dangerous scarce will offer internships. " As the UMP, UDI also criticized the maximum duration of six months for internships, "which will challenge the gap year" in studies from abroad.


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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