Jul 10 2014

A booklet rest he interesting?

Tag: economic, events, money, people, traveladmin @ 6:08 pm

 

The ax fell. From 1 August, the rate of the booklet A pass from 1.25% to only 1%. Historically low yield, which could have been even lower if the government had followed the recommendations of the Bank of France, which proposed to reduce it to 0.75%. For the record, this very old investment was paid 1.75% there just one year.

Now, a booklet A ceiling (22,950 euros) will earn 229.50 euros per year, against 286.90 euros when the rate was 1.25 %. And the holder of a booklet on Sustainable Development (LDD) 1 ceiling (€ 12,000) will win 120 euros against 150 euros a year earlier.

What to do in these conditions of his booklet A2? "Paradoxically, in the context of current very low interest rates, the passbook remains attractive for its precautionary savings, because his salary is hard to beat," said Cyril Blesson, Partner Pair Council. Because the passbook is not taxed, which is not the case for most other investments. Starting with passbooks, direct competitors of the booklet A, whose interests are taxed at the scale of income tax, which must be added the social security contributions. Excluding promotional periods reserved for new customers, fewer of these books relate unless the booklet A.

But other investments become today very competitive. Euro funds Insurance life.3 contracts are a good alternative, even if their remuneration is crumbling. Last year, they reported 2.8% (before social contributions). This is significantly more than 1% of the booklet A. Certainly, we must take into account any input and taxation costs. But by investing in contracts over eight years, the tax will be minimized. And ultimately, the investor is the most time winner.  

Those who have a little time on their hands (four years) may also invest cash on housing savings plans (PEL) 4 paid 2.5% (before payroll 15.5%). Especially since the interest is subject to income tax 12 years after the opening of the plan.


Jul 09 2014

An American harvest tens of thousands of dollars for his potato salad

Tag: Uncategorized, online, opinions, people, specialadmin @ 11:16 am

 

Some jokes can be expensive, others report more than expected. Danger that Zack Brown has allowed him to harvest date, 57,000 dollars (41,800 euros) and gather more than 4000 contributors around … a salad potato. And it's not over as there is still 24 days before the end of the quest.

When the young American publishes its project on the crowdfunding site Kickstarter, it sets its target to $ 10. "I'm just a salad potato. I have not yet decided which, "says Zack in the project description. For those who are willing to finance the salad up to a dollar, it promises a "thank you posted on the site" and recite their names aloud while cook. For $ 3, visitors must get some of the finished product. Sole risk of this unusual investment: "This may be not good, this is my first salad of potatoes," warns Zack in the "Risks and Challenges" section of the page Kickstarter1.

…… The improbable project met and exceeded the original target. Zack takes the game and promises new counterparties. At $ 35, it will be "four times more potato salad." At $ 75, it will hold a "pizza party". Ultimate grail, 100 dollars for which gratify contributors two different salad recipes potatoes. Against all odds, mayonnaise takes. Boosted by social networks, the project has been an unexpected success and donations accumulate. In just three days, it reached 4000 dollars. In a video posted Sunday Zack thank users "without whom it would never have been possible guaranteed pay day loans."

…… "When I started this campaign [crowdfunding], my secret goal was to reach $ 60, "reveals Zack. He is now the head of a virtual capital of tens of thousands of dollars. Wednesday morning, the project brought together 57,000 dollars and more than 4,000 contributors. "I never thought it would take on such a scale, responded the young man on the U.S. site Reddit2. Ten dollars seemed a reasonable goal. I think people have found an opportunity to gather around something as absurd as banal. "

He invites" all internet "to a baby salad potato … ……. In exchange, American offers a hat bearing the image of a potato salad or a cookbook, send it in December. This leaves a few months to organize Zack, who plans to "rent a large room to invite all Internet a feast of potato salad." While some question, however, the project should be approved by Kickstarter.

The site has softened effect there one month operating rules and the draft Zack, although delusional, meets the three conditions imposed in that the project must "propose creating something to share with others," "to be honest and clearly presented" but that the funds raised are for a "charity" and that the proposed compensatory measures are financial. Asked about the moderation of such fanciful projects, crowdfunding platform has répondu3, not without humor, that "there is no single recipe for inspiration."


Jul 07 2014

"Good funds" Michel Sapin

Tag: events, money, opinions, publications, traveladmin @ 1:37 pm

 

Once again, Michel Sapin1 won the award for humor. "Our friend is finance, good finance2" Sunday launched our Minister of Finance Economic Forum Aix-en-Provence 20143, which this year had the theme "Investing invent tomorrow." Intoxicated by the brightness of Provence, our bagman asked himself the question: "Will it finance a happy, happy in the service of investment, to make people happy?" "Good finance" is one that contributes to real investments. But the needs are enormous. This is even with unemployment, the only true sequel to the global crisis of 2008-2009, as recalled Christine Lagarde4. "At the end of 2013, the GDP of the G205 was 8% lower than their underlying trend (if there was no crisis) and investment down 20% over what should be, "said the director of FMI6.

The diagnosis applies equally to private investment firms for public infrastructure projects. The World Economic Forum Davos7 has calculated that the global economy devoted to these 3700 billion a year in the 1980s. Today is just 2,700 billion, is a lack of 1,000 billion. Citing these figures, Christine Lagarde revealed that the IMF would present a study on this topic in early October on the 40 major economies.

"In the United States, the United Kingdom and Germany, budgets are now 10% lower than they should be," said said the boss of the IMF, while noting that, for France, it was not the case. The French deficit investment is doing well, in her view, on private investment. Collapse

investments

Michel Sapin, for its part ready to subscribe to this diagnosis, if not it also recognizes that danger looming on the side of local authorities. The new municipalities are now "very careful, a too cautious," said he acknowledged at his press conference. Already smarting from the collapse of the housing investment, which "cost 0.4 percentage point of GDP growth" we, according to his figures, it should not be depressed after the building now gaining public works. Featuring

himself an outstanding hearty temperament, Michel Sapin is satisfied that the conditions of the trust is there, "now that companies perceive new opportunities and the CICE arrives in their accounts. " As for the discontent of social partners, Medef8 among others, and the left wing PS9, he summarized by this formula: "The complainers, the rechigneux as they say in Berry, feed the slingers, and the slingers feed moaners. "


Apr 29 2014

How do we make our races in 2025?

Tag: Uncategorized, news, online, resources, traveladmin @ 3:49 pm

 

"With the massive use of the Internet, we live the same kind of period when we found the car, train, and electricity at the same time": François Bellanger is Director of the "think tank" TransitCity 1 and sits on the Scientific Committee Europacity the Pharaonic Auchan2 project aimed at building a large market town combining leisure, culture and consumption. According to him, how to make our races should evolve dramatically in the coming years, including the following two main areas.

One is to save time, thanks to the proximity (multiple small pave signs everywhere), transit (with drive-in3 and stores in train stations or subway stations) and finally through purchases on the Internet. The other axis would, conversely, to "enhance the experience" of the purchase. François Bellanger and take the example of football stadiums overflowing, despite the abundant supply of specialized channels which broadcast the matches, "he'll just have to increasingly justify the movement," he explains cheap insurance.

In the same way that the shops which lowered the store at lunch and after 19h suffered an exodus of their customers, especially women work, to major retailers and hypermarkets, some retail players should "disappear" if they do not quickly reinvent themselves to compete on the web. One point on which bounces Distinguin Stéphane, President of FaberNovel4 and also looking for Europacity: "We must recreate the magic trade, souks and bazaars," said the latter.

"We'll have to re-imagine the physical world based web"

Distinguin Stéphane, President of FaberNovel. The interface

. stores should change gradually. First possibility: that pushing, soon our caddies in shelves … hyper-connected. "Whether with a smartphone5, Google Glass6 or bracelets connected system, we can easily imagine multiple sensors and ambient intelligence allow shopping centers to focus on the consumer experience," explains Stéphane Distinguin. Thus, from the "type" of customer profiles, the large surface area could be adapted according to the different periods of the year or even hours of the day. A process reminiscent deployed to Disney World, Orlando 7.

Second point: the opening up of the universe. While on the Internet, consumers can go from fashion to DIY a query on Google8 Francois Bellanger insists that many stores will have to strive to "give more" to their client. Stéphane Distinguin not say anything else: "We can not imagine a world without contact car company insurance maryland. But we will have re-imagine the physical world based web, especially with regard to the porosity of the universe "visited, he says. Especially since so far, the latest innovations (the drive-in ordering on the Internet) destroy all the impulse purchase – the famous chewing gum to funds – One critical manna in the distribution9.  

Finally, each company should seek different ways to add "relevant experience" strengths: sales temporary spaces, social mix, original frames … "The question to ask is: what can not dematerialize, "explains Stéphane Distinguin?. Developed to transform its store amusement park? François Bellanger response: "You know, after all, Disneyland is only one mall that dare not speak its name …".


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 24 2014

Laurent Ruquier signed for "at least" two years on RTL

Tag: business, opinions, resources, special, top newsadmin @ 1:04 am

Christopher Baldelli, president of RTL, said today in issuing Media Magazine France 5 on the transfer of Laurent Ruquier1 was part time. Debauched Europe 12, the host has signed "a contract of at least two years," he says, to replace Philippe Bouvard on orders Bigheaded. "The agreement that we signed with Ruquier Laurent covers several years, said Christopher Baldelli. He wants to invest." Choosing Ruquier Lawrence, aged 51 or 33 years younger than Philippe Bouvard, RTL hope he rejuvenate the audience a show whose average age is slightly higher than the "58-59 years" RTL and generate more advertising revenue? "Not at all, says the president of RTL. We do not reason like that. We are a generalist radio. All public interest me." "It is a gamble, a heavy and difficult decision that Phillipe Bouvard accepted. He also accepted that Bigheaded continues. This is elegant on its part." Pronouncing the word "bet", Christopher Baldelli remembers the previous 1999 when Philippe Bouvard had to give way to Christophe Dechavanne. Causing the loss of hundreds of thousands of listeners for RTL. ALSO READ: "Ruquier the Big Heads: a risky bet for RTL and Europe 13


Mar 17 2014

In Britain, five families have as much as 20% of the population

Tag: business, economy, events, international, specialadmin @ 4:36 pm

 

The five richest UK families have as much as 12.6 million poorest British. Their combined wealth, 28.2 billion pounds (33.7 billion euros) is the legacy of the 20% of the population of the country at the bottom of the social ladder, according to a study published Monday charity Oxfam. In

topped the list of British fortunes established by Forbes, the Duke of Westminster, Gerald Grosvenor, has as many (7.9 billion pounds, or 9, € 4 billion) than 10% of its poorest citizens. Aristocratic family owns 77 hectares of land in the most exclusive areas of London, Mayfair and Belgravia around Buckingham Palace, as well as 39,000 acres in Scotland, 13,000 hectares in Spain and a large real estate portfolio.

Behind him are the Reuben brothers of Indian origin, who made his fortune in metals, Hindujua brothers also entrepreneurs of Indian origin, Cadogan family, large property owners (36 hectares Chelsea and Knightsbridge, London) and Mike Ashley, owner of the retail chain Sports Direct.

"A nation deeply divided"

While the British economy has resumed at a steady pace, growing inequalities. Between 1993 and 2011, revenues from these privileged doubled, while those of 90% of the population increased by only 27%. "Britain is becoming a nation deeply divided, where a wealthy elite saw its revenues soar while millions of families are unable to make ends meet, says Ben Phillips, director of the action Public Oxfam. This is not a sign of economic success but a failure. Far from being inevitable, the result of political choices that can be changed. "

The government of David Cameron presents his budget on Wednesday. Oxfam calls for a strengthening of the fight against tax evasion, the introduction of a tax on financial transactions, a more progressive tax system and a higher minimum wage.


Mar 07 2014

Air France strengthens its low-cost subsidiary Transavia

Tag: life, money, special, technology, traveladmin @ 12:28 pm

 Air France 1

great hopes on Transavia2, its low-cost subsidiary green and blue logo based at Orly. While Air France has reduced its wing short and medium-haul flights the summer season – which starts in late March – it has instead increased fleet Transavia. Must still find the necessary drivers. Wednesday evening, SNPL3 the powerful pilots' union, agreed to sign an interim agreement for one year which will transfer to Air France pilots on aircraft Transavia. This agreement aims to "test the leisure market and the development of Transavia and allow Air France to build a more comprehensive response to reclaim the market left fallow for low-cost airlines," said Jean-Louis Barber Chair the SNPL Air France Alpa.

Currently, Transavia France has thirteen devices, but this number should be increased to sixteen this summer. And every year, five new aircraft will enhance the stable of low-cost. The agreement signed by the SNPL leaves some to fear that the short and medium-haul Air France are, in the coming years, cannibalized by Transavia, where conditions are less generous pay and flight times are longer . Several flights in 2013 by Air France from Charles de Gaulle (to Rome, Istanbul and Casablanca) will now be operated by Transavia from Orly.

40 hours per month

The agreement signed Wednesday will provide compensation to volunteers: a premium calculated on the basis of the period of secondment, up € 15,000 per year for a captain and up to 35,000 euros for a copilot. "It's like putting your finger in gear, said Julien Duboz, the spokesman SPAF, a pilot union opposed the agreement signed Wednesday. In the medium term, there will be no premium and working conditions at Transavia become the norm "According to him, the management company must address the chronic overstaffing among pilots." Air France co-pilots work 40 hours per month on average over the medium-haul when they reach 75 hours on average in EasyJet4. "

The subject has just been discussed at central works council of Air France, which took place Thursday. Indeed, in October, the leaders of the company had announced that 2,800 job cuts – including 1,400 on medium-haul operations – in addition to 5,122 already completed. Evaluation of overstaffing given in October was confirmed: 700 flight attendants and 300 pilots – split equally over the long-haul and medium-haul – will benefit from voluntary departure plan whose age criterion was lowered to attract a sufficient number of candidates to begin with. Transavia but has yet to validate the relevance of its business model. In 2013, the company that caters to customers 'leisure' posted an operating loss of € 5 million.


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.


Jan 31 2014

Renault could produce up to 132,000 Nissan Micra Flins

Tag: business, life, people, publications, technologyadmin @ 7:44 am

Renault1 announced Thursday that it could produce up to 132,000 Nissan Micra at its plant in Flins (Yvelines) in 2016, more than he had promised the end of April in exchange for an agreement with its unions competitiveness. A spokesman for the group told Reuters that the plan to allocate an additional volume of 40,000 to 50,000 cars, compared to 82,000 previously announced, had yet to be presented to the Executive Committee of Nissan in February. Additional vehicles will be marketed throughout Europe, while the previous ones, with RHD were intended only for the Japanese car market britannique.Première group ever assembled in a French factory, the Micra will be produced alongside the Renault Clio 4 and Zoe electric no faxing payday loans. The site Flins employed last year 2,600 people.This announcement complements the proposed acceleration of synergies between the two partners2, Renault-Nissan has said the same day target of € 4.3 billion in annual synergies by 2016 against a target of 4 billion unveiled 2012.Pour this, both partners will auto launch in the first quarter strengthened in their various business projects "convergence" (Purchasing, Research & Development, Production and Logistics, Human Resources) with the appointment of a project manager for each convergence program, said the alliance Renault-Nissan in communiqué.LIRE ALSO: "Renault and Nissan strengthen their collaboration3


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