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.


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 31 2014

Bundesbank calls for a 3% increase in German wages

Tag: economic, life, news, publications, technologyadmin @ 2:04 am

 

From our correspondent in Berlin,

Wages may increase Germany.1. It is the recommendation of the head of the Bundesbank, Jens Weidmann. In an interview with Frankfurter Allgemeine Zeitung published 2 Wednesday, he suggests a 3% increase in wages, not for the sake of social redistribution, but by simple economic fact. "The labor market in Germany is in a better position there a few years ago," says the representative of the monetary and fiscal orthodoxy. "In a number of sectors and regions, we are almost at full employment and the needs of labor is increasing. It is in the nature of things, and this is to be welcomed, as real wages rose more strongly than when the German economy was in a worse situation ".  

The level of 3% increase is not set at random: it comes to adding a level of CPI inflation 2% and increased productivity by 1%. At each branch to negotiate based on its characteristics, he also added. "We do not immisçons us in wage negotiations," warns Jens Weidmann.

While Germany has introduced a minimum wage and a generalized growth of 1.9% is expected this year, the head of the However Bundesbank would contain wage demands. "Wage agreements that go well beyond an increase indexed to productivity would hurt growth and employment in Germany and would be a disservice to the euro area," he says. Having advocated the serious economic or austerity in Europe, Germany set a bad example.

German unions have already announced that they would negotiate wages to rise. In public services, this is an increase of 3.5% which is required for example. The IG Metall has in turn already obtained an increase of 2.3% on 1 July for employees Metallurgy and 1.7% in May 2015, 4%. Employers

worries about his side effects of these increases on the competitiveness of the German economy. The minimum wage, which has just been voted cause loss of jobs, do we also accused or price increases. Hairdressers, for example, have already revised their prices to rise.

Seen the rest of Europe, the increase in purchasing power and consumption in Germany is good news. France.3 put on this particular recovery in its main economic partner to improve the economic situation of its businesses. Prime Minister Manuel Valls 4devrait address the issue Thursday with Vice Chancellor and Economy Minister, Sigmar Gabriel, he receives Matignon. The head of government also intends to plead the cause of France to Germany for more flexibility and flexibility in reducing the French deficit.


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.


Jun 24 2014

Montebourg prepares the "CAC 40 future"

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

 The

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

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

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

"Operation Commando"

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

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

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

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


Mar 28 2014

Blackberry has lost nearly $ 6 billion in 2013

Tag: business, economic, news, travel, worldadmin @ 6:04 pm

BlackBerry has reported a net loss of $ 423 million in the last quarter of fiscal year 2014, a total loss of 12 months significantly inground 5.9 billion, with sales still falling libre.La loss Quarterly compares with a profit of $ 93 million for the last three months of fiscal 2013 (December 2012 – February 2013) need a personal loan with bad credit. For all of fiscal year 2013, the smartphone manufacturer had suffered a loss of 646 million dollars.LIRE ALSO: "BlackBerry still believes in strong smartphones clavier1


Mar 27 2014

The alarming increase in accidents among women

Tag: Uncategorized, money, news, resources, traveladmin @ 12:44 pm

 

Women's health at work degrades more than men. This is the observation that stands the National Agency for the Improvement of Working Conditions (NAALC), which published early March a study based on figures from the disease.1 insurance. While accidents have generally declined over the past decade (-13%), those women rose sharply (+20%) when men decreased (-23%). Same trend in commuting accidents with sick leave: they are down for men (-9%) and increased for women (15%).

How to explain it? Prevention policies have focused more on traditionally male sectors. For decades, precautionary measures were strengthened in industries such as metallurgy, chemistry, wood or textiles, Anact explains, adding that these sectors have parallel sharply declining enrollment.  

"An invisibility risk for certain jobs" predominantly female

In contrast, most women invested sectors (business services, retail Banking, insurance and administration) have benefited less from these preventive measures. There is a "invisibility risk for certain jobs or female-dominated sectors (services, care, trade, administrative …) given the fact that they have long been considered 'light' instead of jobs or sectors heavy 'predominantly male (construction, industry, energy …), "wrote Anact in its investigation. "Now the employee (s) are also exposed (s) to chemicals, problems of charging port and psychosocial risks, warns Chapert Florence, one of the study authors. But as these risks are less visible, they are less taken into account. "  

Other advanced by the responsible project of its kind, health and working conditions Anact hypothesis: differences in career paths between men and women, "the women, often confined to repetitive and painful positions change little hierarchically unlike men, she says. Result, they are more exposed to sustained professional wear. " In addition, biological and social differences are not taken into account. A equivalent position, the effects of work are not the same for men and women. "Muscle differences, machines not adapted to the size of women may have additional consequences on the health of women." The boom

occupational diseases in women

Can we say that women are worse off than men? Not statistically anyway. In 2012, work accidents involve much more men (67.5%) than women (32.5%). And commuting accidents, men and women are almost equally: 48% and 52%.

…… But inequality increases when the question of occupational diseases are addressed, who are mostly MSD (musculoskeletal disorders). The recognition of occupational diseases has increased nearly twice as fast for women (169%) than for men (91%), all lines of business combined. Workers and employees are three times more likely to get sick than their male counterparts, according to a study published in Dares 20102. And even among executives and entrepreneurs, women are more affected (1.2%) than men (0.8%). If

recognized occupational diseases are more common in women, they are more serious, however men who are overexposed to occupational cancers (97% recognitions occupational cancers affect).


Mar 04 2014

Former Clinton adviser appointed Chief Strategy of Microsoft

Tag: events, international, opinions, people, top newsadmin @ 8:00 pm

 

The game of musical chairs continues at Microsoft. A month after his appointment as CEO of company1, Satya Nadella announced a series of changes in its management team. "We need more clarity, consistency and intensity in our work," he said in a statement published on the official site Microsoft2. Satya Nadella

was particularly interested in the field of marketing, a crucial position for his company. Microsoft spent $ 2.6 billion on advertising between 2012 and 20133, double Apple spending. So far, this area was co-led by vice-chairperson of Microsoft.

"I have decided that we only needed one leader to manage the marketing," said Satya Nadella. This is Chris Capossela, who has worked at Microsoft since 2011, which now occupy the unique position of Executive Vice President and Chief Marketing Officer of the American group.  An addicted

polls in control strategy

This appointment involves changing the position of another vice president of Microsoft, Mark Penn, far support both advertising and strategy. It abandons the field of marketing to focus only on the strategy of Microsoft. "I am delighted to see the talents of Mark work for broader challenges, as to imagine new products and decide where to invest for the future," Satya Nadella welcomed.

Mark Penn Photo Credits: Brian Smale / REUTERS

Mark Penn is far be a stranger to the inside and outside of Microsoft. Joined the group in 2012, it is in particular responsible for a large communication campaign against Google4. Called "Scroogled" (literally "the victim of a skinflint"), the latter denounced the policy of collection of personal data of the famous search engine, through commercials and products. However, the aggressive tone of this campaign has been widely criticized, including in-house.

It takes more to worry about Mark Penn, who has already made his debut in the middle of the little tender policy. The new head of Microsoft's strategy was indeed strategic adviser to Bill and Hillary Clinton for their respective presidential campaign. In business as in politics, Mark Penn weighs all decisions in relation to the polls. "Mark brings a mixture of data analysis and creativity that has allowed us to work differently, with real results," said Satya Nadella.  The reorganization plan

Satya Nadella is also accompanied by two departures: that Tony Bates, former CEO of Skype and Tami Reller, which include worked on communication about Surface tablets and was one of the few women at the head of Microsoft. "As a team, we need to find our stride," says Satya Nadella.


Feb 27 2014

The crossover holiday disrupted by a strike at the SNCF

Tag: features, international, news, publications, resourcesadmin @ 5:00 pm

 Great

crossover holiday promises to be heated for many skiers. The two main railway unions in the Rhône-Alpes region called for grève1 Saturday 1st and Sunday, March 2. They intend to protest against their working conditions and "restructuring SNCF2."

The strike notice will begin on Friday at 17 am and close at 8 am Monday. It may therefore severely disrupt departures and returns of 50,000 homes expected in the stations of the Alpine this weekend travelers. The

CGT3 and South Rail, who called the strike, however, reserve the right to raise their notice. Negotiations are currently underway between the two unions and the regional direction of the station on the organization of work. "Management must include in its proposal including a section on employment," the sum CGT in a statement.

"We are available 17 hours until Friday to find common ground"

Bernard Tournier, Secretary General CGT Chambéry railway

"We do not file a notice of strike on such a weekend without taking all elements into account. It is not a bluff. It is available until Friday 17 hours to make sure to find a common ground no teletrack payday loan. There are tens of thousands of travelers are expected. The real responsibility of management is to hear us, "pleaded Bernard Tournier, secretary general of the CGT railway Chambéry on RTL. But if discussions do not lead by Friday afternoon, "there will be very significant inconvenience to travelers," he warned. For its part, the regional branch of SNCF said that "all teams are mobilized for the strike did not take place."

The unions also raise against "the restructuring of the railway." Is a project to the group with the infrastructure manager Réseau Ferré de France, in order to stabilize the debt of the railway system. CGT and Sud-Rail fear that it is accompanied by job losses. "Management continues to eliminate positions in railway stations and on trains, said Julien Troccaz Delegate South Rail. 1,300 jobs have been lost since 2007. You can call it a social plan. "Contacted by AFP, the regional branch of the SNCF recalled that there was" no job cuts and no dismissal within the station. "… …..


Feb 05 2014

Foreign firms: an attractive plan study

Tag: economy, news, online, people, specialadmin @ 1:37 am

 

Patterns of large foreign companies have delivered Tuesday François Hollande1 a series of proposals to strengthen the economic attractiveness of France, where these groups are now reluctant to invest. Fifty patterns established in France, the U.S. consulting firm Accenture German industrial group Siemens global groups, had published a manifesto in December when they realized their difficulties to advocate for investment in France before their direction.

The signatories of the manifesto, claiming 20,000 companies and two million employees in France, demanding concessions including social and environmental regulation and greater fiscal stability. "We did a lot of proposals in areas that are dear to the President, namely innovation, attracting talent," said in the courtyard of the Elysee Gerald Karsenti, President of the French subsidiary of the IT group American Packard2 Hewlett (HP).

Convince them to invest in France

The Head of State to unveil on February 17, during a board dedicated to the attractiveness of the French territory, a range of measures which added to cuts costs Pact responsibility and impact of simplification must convince merits of investing in France online cash advance. "We must convince our global headquarters to invest in France than elsewhere," summed up the head of HP France, citing a French president "listening" and "aware" of the difficulties foreign investors.

"It is always compared to others, compared to other European countries, the BRIC (Brazil-Russia-India-China), the famous developing countries, the United States of course," he has said. The government is currently preparing a comprehensive package of measures to foreign companies but also to ensure better administrative home to their expatriates.

With Reuters


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