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.

Some cheap term life insurance policies may look cheap, but what matters the most is that you must get it.Getting a cheap term policy is not an easy task.

Aug 13 2014

Intel removes fans computers

Tag: Uncategorized, international, life, news, technologyadmin @ 2:37 pm

 Intel wants

calm reign in IT. The chip giant announced Monday a new generation of microprocessors particularly economical energy, which dissipate less heat. PC manufacturers can then design and tactile finest portable tablet computers. The latter, freed from fans, will also be quieter. It is no less than "reinventing the laptop," said Intel in a presentation document. This development

is critical for Intel. The world leader in microprocessors built his fortune from embedded chips in PCs. The advent of smartphones and tablets, has weakened its positions. These small devices, always on and connected to the Internet, require highly efficient energy chips, Intel has long been unable to provide. As a result, computer manufacturers have turned to rival chips produced by Qualcomm, Nvidia and Samsung, while Apple went to design its own components for its iPhone and iPad. More worrying

Intel, microprocessors originally developed for smartphones and tablets, now considered strong enough, begin to be installed in the PC, the preserve of Intel. The latest laptop from Acer this week introduced the Chromebook 13 loads a Nvidia chip. Autonomy would reach 13 hours, more than models with Intel technology.

With the new microprocessor, called "Core M", Intel intends to maintain its position in the computer and win in new tablets. "Core M" will find its place in some ultraportables in hybrids, these tablets that transform into PC with the addition of a keyboard, as well as in high-end tablets.

"You will see in particular tablets with the highest level of performance, which will be thinner and lighter," promises Christian Morales, Vice President of Intel for Europe, Middle East and Africa. Intel is virtually absent from the high-end tablets, over 300 euros. Available for Christmas

Most Intel chips are now in the entry-level models, where the margins of the American group are smaller. Only a few remained faithful partners like Microsoft. Its Surface 3 thicker than the iPad Air Apple and the Galaxy Tab from Samsung features a fan. As for laptops, the "Core M" chip could also end up in a future version of Apple's MacBook, which does not contain a fan, according to analyst Ming-Chi Kuo of KGI Securities. The "Core M" is the first chip from a new generation of components Intel, called Broadwell. Intel launched volume production of its chip, which means that the first PCs and tablets equipped with "Core M" will be commercially available for the crucial holiday season of Christmas. The entire range will be presented at the upcoming Intel Developer Forum, to be held in San Francisco from September 9 to 11. Other microprocessors for conventional laptops, desktops or servers to professionals, should be offered in number to Intel customers until the beginning of next year. Intel

indeed took several months of delay in the development of the generation of chips Broadwell, who was asked to review its manufacturing processes.  These chips

entitled to use extremely fine engraving of 14 nanometers, 22 nanometers against the previous generation, which helps to reduce energy consumption and the place of the microprocessor. Share this article

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Its new chip "Core M", more energy efficient, will design PCs that run cooler, thinner and quieter. The American group can reposition itself in the tablet market.

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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 20 2014

Holiday workbooks are converted to digital

Tag: money, people, publications, special, worldadmin @ 12:16 am

 Réviser1

and have fun during the summer seems possible with applications2 notebooks holiday. A solution that always attracted more parents to judge by the number of downloads for some estimated up to 2 million. The advantage? The Child3 becomes autonomous. Parents not just see a tab where they can check the average and the development of the child. "It is even a tool with which we can share good times with family," says Jérôme Serre, of EduPad leader, creative startup of iTooch Papers vacances4 application. A

"more exciting" tool

The application iTooch Cahiers holiday

A fun and interactive side that goes up to develop a scenario: "The game Video5 side of an application is much more challenging than a traditional notebook," confirms Bruno Le Guern, founder of the Application Class Pass. For his first day on Class Pass, the child begins his adventure on a boat. The objective is to reach a deserted island after spending the first session of questions and consulted pages progress. In all, nearly 10 hours of adventure and quizzes. The desire to unlock points or stars is then stronger than scratching on paper. But no

either side "time" panic, the child will not become addicted because the majority of applications shall adjust work sessions from 5 minutes one hour. "The vacances6 are primarily made to rest, a holiday notebook should not become a constraint," insists Caroline Maitrot, Nomad Education. Applications

prices remain below the paper book that ranges from 3 to 15 euros. For Notebook iTooch holiday application it takes more than 3 euros, and more than 4 euros for Passport and iCahiers holiday Nomad Education. Question reliability, the opinions of parents iTunes7 are divided: some are considered too short by users as Passport Hachette8 Education, lack of pedagogy Learning with Waki, etc.

. Application "complement" paper notebook

One reason not to throw paper notebook! "The application must be considered as a supplement, especially in the context of écriture9" says Caroline Maitrot. But Isabelle Racoffier National President of AGEEM (General Association of Teachers Schools and Kindergarten classes public), the smaller éducation10 mostly through elements of everyday life: "On vacation, I would invite families make sandcastles, explore a museum or zoo. They provide opportunities to review the concepts of math, science, etc.. " Draw, play and visit are all activities that, regardless of age, to enrich and grow.

Photo Credits: Pass Class


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 29 2014

Lease its property to provide rental

Tag: economic, features, publications, top news, traveladmin @ 5:37 pm

 To leave

despite the crisis, an increasing number of French place for rent that they do not use during their stay: accommodation, car, but motorhome, bike and why not boat

. Success in Hexagone1 site rental housing owner Airbnb2 is the most obvious example of this economy of sharing that attracting more and more French consumers. 70,000 French homes are for rent at this time on the site, against 7,000 two years ago. Initially very urban – especially Paris – the site has gradually gained a wider audience. "In Corsica, the number of units available for rent, for example, increased by 9 this year," says Nicolas Ferrary3, France Director of the U.S. site. People who live in tourist areas have included the interest they could find an empty room to rent their home, or their home in its entirety, to tourists. In 80% of cases, the owners rent their principal residence and two out of three, it is their entire home … they do not care if they themselves went on vacation. Amount of gain: on average 300 euros a month in Paris. According to a study by Airbnb, these gains are largely used to meet current expenses, but also to finance its own holiday (for 80 euros).

In the family of sites private rentals, Airbnb is the behemoth, but it is far from the only one. A multitude of sites allow you to earn some money with the property that is not used when one is oneself trip. This is for example the case of Carnomise4 and Tripndrive5, offering vacationers to rent their car in their absence. Installed at major airports, they pay parking the car and pay back homeowners compensation for its location. The invoice sent to the lessee of the vehicle is on its side around 60% lower than in a traditional landlord. "We left our car three weeks Carnomise during a trip to Japan free instant credit score. By renting our car fortnight, we won 136 euros … and we did not pay the 300 euros usual car, "says Chantal Blanchet, a new follower. Rent a boat

Even in JeLoueMonCampingCar6 concept, created in 2011. As its name suggests, the site connects owners of motorhomes, which is generally used only part of the year, with people who want to rent. Two years after its inception, the site has found its market: 19.000 rental days have passed through JeLoueMonCampingCar … more than 60% since the beginning of the year. To rent a campervan costs around 100 euros per day. Each owner has gained an average of 600 euros through the vehicle unused. On an equally specialized segment Boaterfly Sailsharing and aim to facilitate the location of boats between particuliers7. Bike rental by owner, proposed by Véloc8 only a few months, is potentially a wider audience, but is still struggling to break into France. The French, however

bite undoubtedly the "collaborative consumption." France is the second market Airbnb world, both in terms of number of passengers that housing available for rent. The success of the French carpool website Blablacar9 now the industry leader in Europe, is another indicator of the success of these new modes of consumption, which now appeal beyond the "bobo" early community. The average age of users has significantly high Blablacar past two years. "Car rental by owner – Drivy, Ouicar or Buzzcar are the leaders – another public key, older and less urban. The success of these sites is a sign that this way of eating is within the standards, "says Marc-Arthur Gauthey, the think-tank ouishare devoted to these practices.


Mar 30 2014

How to choose a marriage contract

Tag: events, finance, online, opinions, worldadmin @ 11:44 am

 

You're getting married? You are reluctant to talk about money? Surely you can not imagine a future be divorced. However, almost one in two marriages ends in a DIVORCE1. "Brides and grooms often evade these money issues that put uncomfortable," says Nathalie Couzigou-Suhas, notary in Paris. To avoid problems in case of separation, establish a prenuptial agreement that will govern your life together and decide the fate of property. Depending on your situation, some plans are more appropriate than others.

The community property acquired after marriage

This procedure, called legal, applies automatically if you do not plan no contract mariage2. "All property acquired during the marriage, all debts fall into a common basket," says Patricia Viollaz, notary in La Roche-sur-Foron (74). In case of divorce, everything is shared equally. Only assets leased or inherited remain personal. Attention fruit donated property inherited or fall into the common basket. Xavier made the sad experience. "I would rent a property that I inherited and I put aside, he says, when I got divorced, I thought I could use the money to buy a property but I fell high when I knew I had half my ex-wife. "the statutory scheme is not a panacea. "If there is no large inheritance in anticipation, two employees may be satisfied, but if one is self-employed or a business owner, better regime of separation of property," advises Patricia Viollaz. Know that every marriage contract requires the intervention of a notary. The separation of property

In the regime of separation, each spouse retains ownership of its property, whether acquired before or after marriage or received by donation or succession3. Debts are also personal. Except in the case of those related to household maintenance and education of children. Warning: if you are surety credit, which is common in real estate, you can not avail yourself of the regime of separation of property. You will be liable for the debts of your spouse. Rigid, the regime of separation can be arranged. Some goods may, for example, be pooled to support a spouse who has little income. "We can then decide who is the owner and in what proportions," says Nathalie Couzigou-Suhas. The participation of acquisitions

"It's a mix between the legal system and the system of separation," says Nathalie Couzigou-Suhas. It is used for example when one of the spouses, often the woman waives work to raise children. With this waiver, it allows the other to enrich themselves. How does this plan? Before marriage, a property inventory of each is achieved. During the marriage, each spouse retains ownership of the property it acquires. But in case of divorce, "we take stock of the assets acquired by each and if one is more enriched, it must compensate the other," says Patricia Viollaz.

The regime of universal community

In this system, all property acquired before (even by gift or inheritance) or during the marriage become common. In case of separation, each gets half the heritage and in case of death, it all comes down to the survivor. "The scheme was recommended for couples who do not have children and do not want to pay inheritance tax. Today, with reliefs of the law Tepa, it has less interest, "says Patricia Viollaz. But it occurs in the case of couples recomposed. A handle with care, however, when there are children, they can not be disinherited. Tip: whatever the marriage contract, make sure it follows well the evolution of your relationship and change it if necessary. And

for PACS couples? You prefer pacser

4? Under these conditions you are automatically subject to the regime of separation of property. As spouses who choose this plan, each retains ownership of the goods he buys for the PACS or has received by gift or inheritance. If you do not want to be under this scheme, you can opt for the regime of ownership. In this case, all property acquired after the conclusion of the PACS, by one or other of the PACS are deemed to belong equally to both partners, even if one has helped finance more than the other.


Mar 14 2014

Eurotunnel finally sees its future in pink

Tag: business, economic, events, news, resourcesadmin @ 5:56 am

 Jacques

Gounon1 is a happy boss. Eurotunnel2, the group he leads, will pay taxes in 2015! This is a sign Eurotunnel, created twenty years ago, finally sees its future in pink. So far, the group was not profitable enough to pay taxes. This is why, this year, the deferral of taxes, recorded as assets, driving up the net profit for the year 2013.

"We have accumulated 6 billion of tax losses. The prospects lead us to recognize deferred taxes in our accounts as assets, "said Jacques Gounon. Eurotunnel has recognized in its accounts 127 million of deferred tax, of which € 83 million are reflected in the income statement for 2013.

The 2013 was a year of records for the concessionaire of the Channel Tunnel. Its turnover has surpassed the billion euros (1.092 billion) thanks to higher revenue associated with the operation of the tunnel, but also to the improvement of Europorte revenue, the operator rail freight, and those of MyFerryLink3, the ferry company that rents Eurotunnel Ferries SeaFrance redeemed. Operating income increased slightly to € 285 million, and net income amounted to € 101 million.

MyFerryLink still threatened by the French competition authority

Jacques Gounon takes some pride this good performance: cross-Channel ferry, rail freight? "It works," exclaims CEO of Eurotunnel payday advance online. "We know succeed where others struggle to succeed," he summarizes, as an allusion to the loss of activity SNCF freight and shipping companies difficulties Strait Channel. However

MyFerryLink recorded an operating loss of € 22 million in 2013, twice as much as the previous year. "This is consistent with our expectations, and if MyferryLink continues its activity, it reaches to the end of 2015 early 2016 balance," says Jacques Gounon. However, the ferry company could be fixed if the Commission decides to British competition prohibit access to the port of Dover. After an initial favorable to French opinion in December, the case was in fact referred to the UK Competition Commission. A new notice must be made in May but its findings will be reported next week. "If MyFerryLink stops, we will be winners too," says Jacques Gounon that evokes positive impact on Eurotunnel's operating margin.

As for rail freight, it continues to grow. Europorte record sales and operating income increased (+16 million euros). For twenty years of Eurotunnel, the operator provides a promising future: 449 million euros in operating margin in 2013, the group plans to spend € 500 million in 2015. "This will create jealousies," says Jacques Gounon.


Feb 22 2014

A 51st Agricultural Show energized

Tag: economics, economy, news, online, opinionsadmin @ 10:20 am

 And

it left for nine days during which more than 1% of the French population will clump in 200 hectares at their disposal, Porte de Versailles, Paris. Salon 2014 agriculture indeed opens its doors this morning and will close on March 2 evening. For its 51st edition

this great agricultural show that goes beyond the Hexagon will accommodate over 4,000 farm animals, including hundreds of cows. This year is a Tarentaise, Bella, who is honored. An impressive logistics were deployed to feed all these people: 100 tons of hay, 230 tons of straw and 280 tons of manure. Not to mention their breeders it will stay close to their animals in the "reserves", kitchens and dormitories constructed for the occasion. This particular

logistics makes this show, yet less profitable per linear meter, one of the most popular in France after that of the automobile. "The Agricultural Fair, is the unity of time and place where found farmers, industrial, retail, citizens and policy," says the Minister of Agriculture, Stéphane Le Foll1 . Except François Mitterrand2 all presidents in office came to inaugurate the event, whose influence extends far beyond the circle of insiders. François Hollande3 account well, at seven o'clock in the morning, meet the republican tradition Jacques Chirac4, also elected Corrèze, still remains the star of salon5 to applause.

"Without meeting these visitors the many and varied profiles, we could never achieve an attendance of nearly 700,000 visitors over ten days, as the last year, "says Jean-Luc Poulain, president of the SIA (International Exhibition of Agriculture). What balance the accounts of this event which approximates a budget of 20 million euros. At the international level, the lounge this year more than twenty countries, including China who would like to import the concept "Made in France".

For their part, the food manufacturers, like those of supermarkets, also want to be visible. History to be better seen not only from farmers who often accuse them bring prices down but also very sensitive to food security consumers, especially after repeated crises such as horsemeat year last. Support citizen

51

This lounge opens in a national context where the relationship between government and farmers are strained. Hollande could pay the price, being booed by disgruntled farmers (our editions of February 21). The divisive issues abound. The FNSEA6, main French farmers' union, has recalled in the Estates General of Agriculture she organized this Friday (see box). Among them: the simplification of administrative procedures. François Hollande was quick to reply, just to calm the Porte de Versailles. "The Minister of Agriculture has decided, with his colleague, the environment, introduce a simpler system to speed up decisions to modernize some farms. He started with the most difficult: the pig (…). This represents a gain of four to six months, "he opportunely announced Friday in an interview with the weekly Crop France. Citizen, he has chosen his camp. According to the latest Tilder-LCI-Opinion Way poll, 77% of French people have a good opinion of farmers.


Feb 19 2014

Brewers commit to hiring in exchange for a tax moratorium

Tag: economy, international, news, opinions, specialadmin @ 6:56 am

 

Faced with a collapse in consumption bière1 the French brewers challenge the government. "We ask a tax moratorium, Philippe Vasseur, President of Brewers France, which represents the brewing profession. We hope that the beer is not discriminated as it is "In exchange for fiscal stability, the French brewers -. Who fear being subjected to new taxes – offer the state a" pact of responsibility. " A response to the one presented last month by François Hollande2 at businesses.

"Mr. President of the Republic, we Brewers France 3, the strength of our role as facilitators of a rich stream of 65,000 jobs, have chosen to take this opportunity to participate more actively in productive recovery of France," write they. It is urgent, according to them, for the sector.  

The increase of 160% a year in taxes on beer in the framework of the law on the financing of Social Security boosting the value price of 14% and weighed on sales. Consumption decreased by 3%, with double-digit decline in cafes, hotels and restaurants. In supermarkets, while volumes declined slightly (-0.4%), sales rose by 16.2% to € 2.3 billion, according to IRI data reported by LSA. It was boosted by both the price and the upscale market that has benefited specialty beers (Leffe, Affligem, Grimbergen) and special lagers (Heineken, 1664).

Create a label

Faced with this situation, brewers are willing to make three commitments, provided that the state does not decide new levies cash advance to savings account. Brewers agree first to invest 250 million euros by 2017 and employ 800 people a year, half of net job creation. "There can be no investment if there is visibility on the future of the business, says Philippe Vasseur. Given the uncertainty created by the tax increases, companies have stopped investing last year. "

They also undertake to become more involved in prevention policies. "If we took 1% excise duty on beer, this would increase the budget by INPE (National Institute for Prevention and Health Education) dedicated to the prevention of € 8,000,000" said Philippe Vasseur, who regrets that the Evin law prevents brewers "to pedagogy" on the beer consumption. Brewers France urges the authorities the opportunity to "jointly develop public health policies."

Finally, brewers are committed to creating a label, a guarantee of quality for their drinks, to be awarded by an independent body. If the blur remains around how to create this label, they want it to be associated with a degree program for brewers. Which would more credible profession, like eg diplomas oenology. "We really want to change the image of the profession, adds Philippe Vasseur, who will undertake, as every year, from next week, an operation seduction at the Salon de l'agriculture. This involves teaching and the fight against excessive BAC. This also corresponds to a upmarket image of beer. "


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