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.

If seeking for a low cost payday loan make sure to compare terms and repayment plans from various payday loan lenders online.

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 21 2014

The price of fruit and vegetables fell sharply this summer

Tag: business, economy, events, features, opinionsadmin @ 5:28 pm

 While

Modef, agricultural union organizing today directe1 selling fruit and vegetables in Paris to denounce the margins of supermarkets, a study reveals that prices fruits2 and vegetables3 fell this summer. According to the observatory Families rurales4, fruit prices fell 12% and vegetables by 3% in the summer compared to last year. "This is good news for consumers, but it remains in perspective relative to 2013 that was very bad because of the weather. It's more of a catch-up compared to 2012, "says Dominique Marmier, president of the Consumers' Association.

In 2013, the price of fruit had flambé5 effect of 14% , while that of vegetables increased by 17% from 2012! Now the average price of a kilo of fruit to 3.34 euros, and a kilo of vegetables costs on average 2.14 euros. Even the bio grimacing: organic vegetables saw their prices decline by 11%, according to the observatory.

In addition, the observatory noted a greater presence of French products in supermarkets. In fact, of 16 fruits and vegetables on the stalls studied, nine are imported from abroad, while they were 10 last year. The difference between foreign and French products would even be reduced to 7 euro cents, according to the observatory.

"We risk losing our productive tools and employment"

If apples, eggplant and French melons6 were able to place on the shelves, c is due to the good harvest of domestic producers. Lower prices also reflects this early printemps7. In fact, the normal harvest dates were postponed, foreign products arrived earlier in the store, forcing the French distributors to align the foreign price.  

But, conversely, bad weather in August should revise this good news. As such, Luc Barbier, president of the National Federation of Fruit Producers, says that "the fall in prices is a reality, but it would have to actually see the end of the period récolte8 instant payday loan lenders." The gloomy weather

August further generates a lower consumption of fruits and vegetables in France. Luc Barbier also denounces comparators prix9 and promotions great distribution10 being "nourished the idea that fruits and vegetables are national overpriced so the French consume less. Supermarkets then responds by slashing prices. We risk losing our productive tools and employment in the sector. " Dominique Marmier Rural Families, 11estime him that "économique12 crisis also cause consumers to rethink their spending. The French have less power to achat13 so they consume less. "

But good news for consumers, lower prices could rise following the embargo russe14. France exported 31.5 million tonnes of fruits, citrus and vegetables to Russia in 2013. By importing products the Baltic countries or Poland, Russia likely to hinder the French market. It would end then flooded with Polish apples, more competitive. A hypothesis that puts Dominique Marmier: "In theory, there should be no concern to the extent that Europe supports the producers." The European Commission has indeed released on Monday a budget of 125 million euros to rescue fisheries and nectarines15. Citizens seem also mobilized by the embargo: a wave of "selfruits" (a selfie with fruit) took social networks for some time. Initiatives that aim to support the consumption of fruits and vegetables.

& Quot; @ AJEnglish16: happy to eat a pear to supporting Belgian farmers Against Russian ban: http://t.co/KIgq9KLk6617 pic.twitter.com / tRkyvZtWac18 # ShareAPear19 & quot;

& Mdash; stefania campogianni (scampogianni) August 9, 201420


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.


Aug 03 2014

With the PlayStation 4, Sony returns to profit

Tag: business, online, opinions, special, top newsadmin @ 6:00 pm

 Sony

can thank the PlayStation 4. Having completed its fiscal year 2013 ended March 31, a loss of 128 billion yen (930 million euros), the Japanese group has to announce a windfall for the months of April to June Buoyed by a turnover up 6%, Sony1 multiplied by eight net profit with a profit of 26.8 billion yen, or 194 million euros. The performance of its second largest video games division, currently the group behind the phone, are not foreign to the good start of the year. Long

deficit, the video games industry has doubled its revenues in the first quarter net profit of 4.3 billion yen (31 million euros). Last year at the same period, the division lost 16 billion yen (116 million euros). Sony has revised upward its forecast blow for fiscal year 2014 in the video game, with an expected profit of 25 billion yen, against 19 billion loss last year. Services

paid online

This reversal is due to the incredible success of the PlayStation 42, the new console group. Launched in November, she surpassed forecasts Sony with 7 million sales 31 March3.

While many signs that the console continues to tear, Sony has disclosed in its quarterly report that the accumulated PlayStation 4 and PlayStation 3 distributed worldwide. Between April and June, 3.5 million of the consoles found in shops, against 1.1 million Xbox and Xbox One side Microsoft5 3604, and 600,000 Wii and Wii U in Nintendo6. Finance

Japanese group benefiting from the ecosystem of the PlayStation 4, facing the game and online entertainment small personal loans. To play with friends on the Internet, the owner of the console must pay an annual subscription of 50 euros. PlayStation 4 also allows you to rent movies and listen to music online, either as paid services. Above all, the console became profitable in less than six months, against three years for the PlayStation 3. Accounts Sony have long been sealed by the design costs of the latter, designed entirely in-house. By choosing for the PlayStation 4, components and tools existing development, the Japanese group has instead been quickly become profitable. The telephony mast

Another source of satisfaction for Sony, the good results of its television business, whose sales rose 3.8% this quarter. A Cup effect world7 that Sony does not, however, expected to be sustained. The group has revised down its forecast for TV sales throughout the year with 15.5 million copies, against 16 million expected in May. But Sony intends to reap a profit of 10 billion yen in the sector, against 25.5 million loss in 2013

. The outlook is much more subdued in telephony. Cornered between Apple8 for upscale and its Chinese competitors for low and mid-range, Sony plans to sell only 43 million units of its Xperia this year, against 50 million announced in May. The Japanese company even expects no longer generate any profit on this activity in 2014

.


Apr 18 2014

Road transport threatened by low-cost

Tag: Uncategorized, business, features, publications, technologyadmin @ 5:57 pm

 Between

a French truck driver paid 31,000 euros net per year and his Polish counterpart paid 16,000 euros, an international transport company quickly made the calculation, provided that the rate of social security contributions is almost two times lower than in Poland … This "splits" denounced by a Senate report information was again discussed Wednesday by transport professionals and political representatives to the Economic and Social Council where there was a European conference on harmonization of social conditions in the road freight transport.

For decades, the distortions of competition between low-cost countries and others are dug. The "French flag" represents only 10% of the European market for international freight while in 1999 it was still 50% court records.

This movement is irreversible, say industry professionals. Some large French groups (Norbert Dentressangle1 Geodis …) are still present in this segment but their leaders emphasize that only the creation of subsidiaries in eastern Europe has kept an international activity which reflects the shift in activity industrial on the Old Continent.

The liberalization of the road haulage market and the enlargement of the European Union do not facilitate the harmonization of working conditions.

Early December, Frédéric Cuvillier2, the Minister of Transport, now secretary of state, even denounced "behavior slave" in the transport sector. "I saw how employees are treated European countries, apart from all social rules and creates an unacceptable dumping" had he exclaimed. Social dumping

The FNTR3 (National Federation of Road Transport) which includes the majority of transport companies denounces illegal and effects of "optimization" practices. Clearly, the practices of "cabotage" – that is to say, the succession of loading and unloading of goods in a country other than that of origin in the context of international transport service – which not comply with the regulations. In this case, the French companies that provide domestic services compete with these international operators. Other companies circumvent the law by using light vehicles traffic is not regulated public court records. The FNTR

hope that a common European driver status could be created within five years. It would converge fiscal, social and regulatory. No question, however, to align this standard on the French model, consider companies. "We should especially harmonize working hours," said an officer who regrets the equivalent costs there ten years between French companies and their counterparts in West Germany are now 10% lower than in Germany because of for better productivity and lower payroll taxes. By coincidence, the directive on posted workers who can fight against the dumping social4 was adopted unanimously Wednesday to the European Parliament.


Apr 11 2014

The stickers, a little-known business on smartphones

Tag: business, economic, finance, international, opinionsadmin @ 3:24 am

 We call

smileys, emoticons, emoji or stickers. They dress our emails, chat conversations and SMS our patterns of all colors. From smiling to moving images via the cute cat face, they embody in their own way a certain culture of the image on the Web. Thanks to smartphones, these small images are now fertile ground for a booming economy.

A new means of communication

The smileys have evolved since the early messengers. Combinations of punctuation (eg, colon followed by a parenthesis – :) – a smiling face) have been replaced by icons specially designed by the mobile manufacturers. The first to have seen the phenomenon is NTT DoCoMo. In the late 90s, the Japanese operator has launched the "emoji", a font only consists of standard icons. NTT DoCoMo wanted to facilitate the exchange of its customers by integrating images directly into their mobile phone. "When someone sends 'I understand', the speaker may not know if this is something nice, or if it is something negative," explained Shigetaka Kurita, creator of emojis in an interview with the magazine The Verge 1, to justify his invention. "You never know what happens in the mind of the person who sends us a message."

With emoji, users have SMS easily add to their hearts or little faces expressing emotions of the moment. First acclaimed by Japanese teenagers, emojis became widespread in 2011, thanks to their integration in iOS 5, Apple's mobile operating system. They were then adopted by other services, including the latest version of Android (mobile operating system from Google), Windows Phone or Hangout, instant messaging, Google, and recently social networks like Twitter. Example

stickers used on Line. Already

20% of turnover Line

The arrival of emojis gave ideas to companies specializing in services for mobile. The instant messaging applications such as KakaoTalk, Line or WeChat, sought to monetize the interest of their users for these cute pictures or funny. Thus were born the "stickers", a larger version – especially pay – emoticons.  

This new generation smileys owes much to Japanese Application Line.2 Since its launch in 2011, the courier was a large catalog of Pay images, updated through collaborations with artists or celebrities. On Line, you can buy stickers bearing the image of Paul McCartney or the latest manga fashion free credit score. Users to collect them because of a few tens of cents per unit. In 2013, Line has managed to generate 50 million euros from the sale of stickers, or 20% of its turnover.

As smileys and emojis the stickers used to communicate with contacts quickly and efficiently. A significant interest in Asia, including ideographic languages ​​complicate writing on a keyboard. European and American public as it converts, more for the fun side of these images. Line spotted this hearing and adapts its catalog to local tastes in countries where it grows. Spain, users can buy the official stickers Real Madrid or FC Barcelona.

Inspired by the success of Line, Western Web companies also put the stickers. Facebook has launched a store in its messaging service, Facebook Messenger, currently only stocked lots of free stickers. BlackBerry has done well his BBM application. The stickers have appeared in smaller services, such as the Path application that has made his sole source of income. From

advertising in the middle of conversations

As usage increases, the stickers are becoming increasingly an advertising channel. Again, applications Asian IM showed the way. They put Passier partnerships with brands such as Coca-Cola, to produce Sponsored stickers. On Facebook, and you can use stickers bearing the image of LEGO or Muppets (owned by Walt Disney Studio). Thus, users are left to themselves transmit advertising messages to their friends.

"Rather than calling around the content with banners, the advertisement is brought to heart conversations," says Jonathan Levy-Bencheton, co-founder of Feeligo. The French start-up that offers a tool stickers for websites, has teamed up with the production company Century Fox. Through this partnership, members of the site aufeminin.com, Feeligo client can use stickers bearing the image of drawing anime Rio-2, produced by Century Fox. Encouraged by his first campaign, Feeligo now seeks to support other brands in this new form of communication.

All brands do not bother with such an agent. In March, the famous designer Karl Lagerfeld launched his own line stickers in his likeness, available by downloading an application for smartphones. A strategy to attract young users and ensure a new source of revenue, all at a lower cost. To attract consumers, Web companies and brands now feature their best smile.


Mar 16 2014

Canal + and Sports beIN at loggerheads

Tag: business, economics, opinions, people, traveladmin @ 1:52 am

 At

beIN Sports1 as at Canal 2, was prepared heavy artillery. On March 7, the Professional Football League has triggered a general commotion in battle staffs of the two broadcasters precipitating the timing of the tender TV rights to the league 13 over the period 2016 – 2020.

For both channels, the issue is crucial. Even vital. If cinema is a strong argument to recruit new viewers in the case of Canal +, the true power of seduction, and even more that of beIN Sports, based primarily on sports, especially football. Without this discipline lighthouse, there is a good chance that customers will terminate their contract. By themselves, cinema and series will not make the weight in the case of Canal +. About beIN Sports, which has bought the TV at the football World Cup Brésil4 rights, the broadcaster can not establish itself as a premium channel without the best Ligue 1. What do flambé adding the rights to this competition. In a note, financial analysts and Natixis consider it possible that Canal + is seeking exclusive rights to Ligue 1 through very high inflation, rising from € 420 million per year to 760 million. "This would represent a significant investment but allow the group to" secure "the model definitely pay TV premium and have time to develop it, facing the threat of new entrants, as Netflix5." …..

… The tension is even greater this time, that the time to construct a plan of action is short: just over a month, until April 4. Worse, the tenders will be this time successive, making it possible for broadcasters renchérir between each batch.  Next round

April 4

And to make matters worse, the tender of the Champion's League and League Europa's arrive a few days later, in April. For both pay broadcasters, "this is the week of all the dangers," analyzes a pattern string. Enough to give a cold sweat leaders of Canal + and beIN Sports. TV rights experts, financiers and strategists in both groups certainly prepare sleepless nights. But the final decision has serious implications, remain the exclusive case of three men: Yousef al-Obaidly, Director General beIN Sports, Bertrand Meheut and Rodolphe Belmer, the two leaders of Canal +. In this conflict, all shots will be permitted. They have already started to rain.

Last summer, Canal + has filed a complaint for unfair competition, arguing that petrodollars allowed to invest beIN Sports bleeds. In January, she had tried to persuade the government to prohibit bein Sports, owner of PSG, to be a candidate for the purchase of TV rights, before being sent back to its goals by the Ministry of Sports. Next round expected on April 4, together with the decision of the LFP. Canal + like beIN Sports, victory can only be considered one way: by KO


Mar 12 2014

Villepin would have received € 100,000 after a working day

Tag: Uncategorized, features, life, money, onlineadmin @ 2:04 pm

 Compensation

that does not go unnoticed. Dominique de Villepin would indeed hit no less than 100,000 euros for a single day's work ahead Telegraph1 The … In fact, those few extra hours were needed for the former diplomat key retired officer of the diplomatic corps, adds British newspaper. The former Prime Minister Jacques Chirac have indeed made this flash back in September, thus opening the rights to touch this tidy sum. Problem

this regulation would not have done automatically. The procedure was approved by the Minister Laurent Fabius in place, the newspaper said, although the Quai d'Orsay denies any "discretionary or preferential treatment" with regard to the former Prime Minister. And at a time when "the government is pushing for austerity, higher taxes and deep cuts in public spending," the new tenants would have exasperated the prestigious department, the newspaper said. An administrative error

Meanwhile, the environment of Dominique de Villepin have invoked him an administrative error which would justify the request direct payday lenders. Contacted by the newspaper, Daniel Arlaud, spokesman for the former tenant of Matignon, explained that "this administrative error had been a request from Dominique de Villepin to the competent authorities."

In any event, the payment of this amount would not be illegal. Much more than "abuse" on the part of the former Prime Minister, the payment would be an offshoot of the French system of remuneration of senior civil service, which grows outcry across the Channel.  A

indignation also nourished by little precarious situation of the former senior official. In fact, Dominique de Villepin today have as a consultant for his company International Villepin, who performed in 2013, nearly 1.7 million euros in turnover. The newspaper also pointed out that the magazine L'Express unveiled in 2012 Villepin heritage: a real estate property in Paris worth 3 million and an estimated more than 4 million personal fortune

. ..


Feb 21 2014

Facebook offers messaging WhatsApp for $ 19 billion

Tag: features, international, life, resources, technologyadmin @ 7:48 am

 Facebook

strikes a blow to the mobile messaging. Wednesday night, the social network announced the surprise takeover of the WhatsApp application for a staggering $ 16 billion dollars (11 billion euros), of which 4 billion in cash and $ 12 billion in shares. The founders and employees of WhatsApp will receive an additional $ 3 billion in the form of stock options, bringing the total transaction at $ 19 billion.

At this price, retrieves a Facebook application for smartphones and the world's most popular tablet. Every month, more than 450 million people use WhatsApp in the world, 70% connect daily to send free messages instead of SMS. This is twice as eg the number of active users Twitter1. Some 19 billion messages are sent every day, and 34 billion received, as well as texting transiting among telecom operators. The triomple

Model "freemium"

As the application of Instagram photos, bought $ 715 million in Facebook in 2012, WhatsApp will retain its name and independence . The company, founded in 2009, employs about fifty people and had only raised $ 8 million for its development. Financial results were never disclosed.

"It makes money but the important thing is not monetization. We focused on one day but for now the main goal is that the service WhatsApp works, "explained co-founder recently in January Kum, powered billionaire quick cash. The use of WhatsApp is free the first year and without advertising, including match abroad, after which access is charged 0.72 euro per year. This success shows the power of the "freemium" model, which attracts a large number of users with a service at first. The Facebook

share declined

The acquisition of WhatsApp reflects the desire to multiply the Facebook mobile applications, to establish itself as the center of communications on smartphones and tablets. The social network had also developed a competitor WhatsApp, Facebook Messenger. Mark Zuckerberg had tried in vain to buy Snapchat2, another very popular messaging application for $ 4 billion. Another heavyweight messaging on smartphones, Viber, was bought last week by the Japanese Rakuten3 900 million.

The acquisition of WhatsApp, announced after the close of trading, was greeted with warmth. Facebook as lost 2% in after-hours trading to midnight. This is the largest acquisition in the history of the social network, the more important for a mobile application and one of the largest in the technology sector. Google had paid $ 12.5 billion to buy the mobile manufacturer Motorola in 2011 sold since the Chinese Lenovo. Microsoft acquired Skype for $ 8.5 billion and $ 7.2 billion for Nokia.


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