Aug 10 2014

Elon Musk, the conqueror

Tag: Uncategorized, economy, money, special, worldadmin @ 1:00 pm

 

"At that time, we would follow to hell with oil to tan." On August 3, 2008, Dolly Singh and hundreds of fellow employees at SpaceX assist in Direct the failed launch of the Falcon 1 Months of hard work are rocket undone in a moment, causing the hopes of exhausted engineers in their wake. But in a few sentences, Elon Musk has redirected his troops, she tells the site Quora business card. The problem is complex, it has raised the money for another attempt and, above all, he "will never give up." Touting a future travel to Mars and hyperbolic transport neo-prophet regained the heart of his followers as quickly as doubts had settled in their minds.

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Aug 06 2014

Sanctions against Russia block 50,000 Russians abroad

Tag: Uncategorized, opinions, publications, top news, traveladmin @ 1:40 am

 Rater avion1

its back can ruin the late vacances2. Especially if the tour operator has not paid the bill. In total, 50,000 Russes3 saw their darkened room. Labirint is the fifth Russian opérateur4 turn to go bankrupt in three weeks! Yesterday, 27,000 Russian tourists found themselves without a return ticket, stuck on the benches of foreign airports. 40 flights were put in place to allow the return of travelers, thus reducing their number to 12 000 at the end of the day, told AFP the spokesman Rostourism, Russian Union of Tourism Industry Irina Tyurina .

This applies not only to travelers on departure. The tour operator Labirint ceased operations since last Saturday, and thus stopped paying foreign hotels5. Thousands of tourists have been evicted from their rooms, resulting in several fights with hoteliers. Including Turkey6, where every year nearly 3.5 million Russians traveling to Istanbul to watch the Blue Mosque and the chimneys of Cappadocia, precise 7Irina Tyurina.

Ukrainian crisis weighs on bookings

"All these agencies Travel8 operate on the model of the pyramid. They sell tickets and then they say, oh, sorry, we do not have enough customers, "said Russian Prime Minister Dmitry Medvedev9 during a speech. In other words, the tour sold stays abroad without being sure that they can be profitable. Thus, without a minimum number of travelers, companies were taking the risk of selling trips loss and eventually go bankrupt.

But the context does not encourage the Russians to leave. "The political and economic situation has had a negative impact on the number of bookings and the decline in the value of the ruble has degraded the purchasing power of Russians," says Labirint tour operator. In fact, the Ukrainian crisis and Western sanctions weigh heavily on the Russian economy. European measures block access financial markets to Russian companies, which plays on their incomes and those of households. Western sanctions also have an impact on the rouble10, which declined 11% from its peak value in September 2013, degrading the purchasing power of Russians. Not to mention the travel restrictions imposed by its nationals Moscou11 occupants of strategic positions in the administration.  

"We fear that this is only the beginning of a domino effect," said the spokeswoman antenna radio Echo of Moscow Federal Tourism Agency Russia12 Irina Shchegolkova. The number of Russian tourists traveling abroad has dropped by 30-50% compared to last year. An event that could weigh heavily on the world tourism. The last year 40 million Russians traveled beyond their borders. They are even among the biggest spenders with 32 billion euros in 2012

.


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.


Jun 28 2014

Banks undertake for small businesses

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

 

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

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

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

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

"First step"

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

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


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 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 09 2014

Phone: Bouygues negotiating its mobile network Free

Tag: economic, economics, economy, international, technologyadmin @ 1:08 pm

The group announced Bouygues1 be willing to give its network of antennas and mobile frequencies to its competitor free2 (Iliad), to facilitate his marriage SFR3, and thus completely reconstruct the landscape of the French mobile telephony. "We have entered into exclusive negotiations to yield to Free for an amount up to 1.8 billion euros go our entire mobile network," announced Olivier Roussat, CEO of Bouygues Telecom in an interview with Journal du Sunday4 . This agreement, which covers "15,000 antennas and a portfolio of frequencies, some of which for 4G" is conditioned to the fact that SFR Bouygues acquires sold by Vivendi. Vivendi, parent company of SFR, which seeks to separate its telecom subsidiary to focus on the media said Wednesday it has received offers from Bouygues and Numericable majoritaire.L takeover offer was unveiled by Bouygues favors particular Exchange, but seemed to be a problem with the rules of competition. This agreement enables Bouygues "raise the main uncertainty from (its) project under the Competition Authority. And Free to become a full and complete operator," says Olivier Roussat this entretien.Il remains yet "subject to the success of our proposed merger with SFR filed Wednesday, March 5 from its parent company, Vivendi," he says. "We provide an immediate response to the imperatives of competition. In case of merger with SFR, we would have a network too. Again, there is a buyer who will recreate a competitive dynamic. This turnkey solution should facilitate marriage with SFR and Vivendi reassuring, "he says again. The Competition Authority will review the file and if all goes well, migration and network subscribers could place "in 2015," plan to ensure that the agreement "also ensures the use of the entire telecom sector in France with maintaining three networks." "Free wishes to maintain the network with its own agents, warns CEO of Bouygues Telecom. And we want to keep our 1,200 employees who are affected. Our network will not be destroyed. Instead, Free will live 15,000 antennas that will become his. "Olivier Roussat also confirmed that his" proposed merger with SFR not cause any departure. "On the contrary, the merger will invest in the Internet and mobile networks and "create jobs. This is the sinews of war. "This merger agreement and fully rebattrait cards in the field of French mobile telephony share four players. Orange leader today has 27 million mobile customers, SFR has 21 million, 11 million Bouygues Telecom and Free Free 7.4 millions.Cependant a relay network underdeveloped and relies on a 3G roaming agreement with Orange, but not for 4G. however Bouygues boasts of have the best 4G network via authorization which allowed him to use this technology on a frequency band that already operated giving him an edge in terms of coverage. This agreement should enable Bouygues and Free "to reduce costs," according to Olivier Roussat which ensures that the price war being waged by the mobile operators, at the initiative of Free, and more recently in the Internet, the initiative this time Bouygues should continue.


Mar 01 2014

Black day on the roads early difficulties in Rhône-Alpes

Tag: Uncategorized, business, economics, technology, traveladmin @ 12:00 pm

 

For some it will be the end of their vacation or second week of rest, for others it will be the start of holiday. The roads will be so loaded this weekend, especially those leading to the ski resorts. Not surprisingly, the most significant caps should be concentrated in Alpes1, particularly because spouses school holidays academies nearby massif – Grenoble, Lyon, Aix-Marseille, Nice, Montpellier -. In the Pyrenees, traffic problems will be due to the arrival of guests of the Academy of Toulouse combined with departures guests of the Academy of Bordeaux. However, traffic problems are marginal on other mountains.

Further complication strikes could disrupt railway departures and returns passengers in stations Rhône-Alpes, Bourgogne, Franche-Comté and Provence regions Alpes-Côte d'Azur. On the roads

• Saturday 1 March

– In the sense of departures, the day is classified orange and black at the national level in Rhône-Alpes: Many difficulties are expected, especially on the A43 motorway at La Tour-du-Pin, between Lyon and Chambery, between Chambéry and large valleys of the Maurienne and Tarentaise. "The first plugs were formed to 07h and they only intensify," said the head of the Regional Centre for Information and Coordination road (CRICRs) Rhône-Alpes and Auvergne, stating that "a peak was expected around noon. " Between Lyon and Chambéry, the trip is estimated at 2:15 instead of 50 minutes and the journey time between Lyon and Grenoble is 2:10 instead of 50 min.

In the northeast quarter, the traffic is dense in the direction of Lyon. Axes A6, A26, A5, A31 and A36 will experience delays and / or plugs. On

Auvergne, some slowdowns are expected in Clermont-Ferrand upstream of the junction A71/A710/A75 (at an area work).

In Provence-Alpes-Côte d'Azur, prepare to encounter difficulties on the A51 between Aix-en-Provence and the toll Saulce and the N94 between Gap and Briançon. Finally

Midi-Pyrénées, slowdowns are expected in the output of Toulouse and in the last kilometers before entering the stations of the Pyrenees.

– In the sense of return, the day is classified orange and red at the national level in the Rhône-Alpes. The end of the leave of Zone C and the first week of Zone B will generate heavy traffic on routes linking the ski resorts of the Northern Alps and northern borders of the country and the Paris region. Rhône-Alpes region, note that there will be difficulties between Albertville and Moutiers between the Maurienne valley and Chambery, Chamonix to Geneva or Geneva to Bourg-en-Bresse. Traffic may be disrupted by snow removal operations underway on the A40 towards Geneva, the A51 and the A89 west of Clermont-Ferrand, said CNIR Rhône-Alpes.

Side of Auvergne, slowdowns are expected in Clermont-Ferrand.

In the northeast quarter, the traffic is dense to the north, especially in the areas of Beaune, Langres and Troyes. Parisians meet slowdowns across Burgundy.  

In Ile-de-France, caps will disrupt traffic between Evry and Chilly-Mazarin. Tip: for a trip to the north, leave the ski resorts of the Alps north before 10:00. • Sunday, March 2

The day is classified as green in the sense of departures, as returns.

For more information: The report of the national forecasts Bison Futé2

In stations

• Strikes in the South East of France on Friday

……. . In the South-East of France, the TGV traffic will be slightly disrupted Friday due to several strikes located in Burgundy, Franche-Comté, Provence-Alpes-Côte d'Azur and Rhône-Alpes. If perturbations mainly affect regional traffic, it will provide complications for trains running on routes Paris-Bourgogne/Franche-Comté (90% of traffic is ensured) and Paris-Provence-Alpes-Côte d'Azur (3 4 TGV between Paris and Marseille, Toulon and Nice).

On the PACA region, the regional traffic will also be disrupted. Especially for those who want to join the Alps. Marseille, 1 set of 4 went to Les Arcs, 1 set of 2 goes to Briançon. Note that a train of 10 go from Marseille to Nice and 9 out of 10 will operate between Marseille and Lyon. A

Chambéry, the two main railway unions in the Rhône-Alpes region have called a strike this weekend end3. The notice began on Friday at 17 am and close at 8 am Monday. TGV traffic will be normal and the Alps 8 TER 10 circulate ensures SNCF in a statement. To complete the service, buses will be put in place, especially on the Grenoble-Veynes Gap online. Finally, the traffic Intercity trains will meanwhile "adapted on night trains." • Work

disrupts traffic

In the West-South-West region and southeast, alter the course of the work and intercity TGV delete. For more information, see the forecasts SNCF4. In the air

Nothing to report side air sky. No specific instruction was given at the Paris Orly and Roissy airports.  

I get more practical information

• The newscasts Bison futé5

• The press Vinci Autoroutes on forecasts trafic6

• The real-time traffic with Vinci Autoroutes7

• On iPhone: download the app for Sytadin Franciliens8 Inforad or to alert you to the presence of work, radar , etc.9

• Information Live trains and Eurostar10

……. . • Forecast with Weather Consult11

VIDEO – Discover how can appear in "traffic shadow" on the device thanks to our science program E-test piece .

……


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.


Feb 13 2014

Gel promotion of civil servants: the great political danger

Tag: Uncategorized, finance, resources, special, top newsadmin @ 4:52 am

 

Promising, Jan. 14, to achieve "at least € 50 billion" savings between 2015 and 2017 to keep its European commitments to reduce deficits and finance pact of responsibility for companies, Francois Hollande has placed bar above. But he had little choice: the head of state was obliged to give pledges of serious budgetary rating agencies, which have all placed under negative watch the rating of France. Launch such a savings plan is needed to prevent further deterioration of the hexagon that would undermine the credibility of "the policy provides" that the executive is trying to implement and would increase the interest rate today 'hui historically low, which the government finances its debt at low cost.

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