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.

Under cash advance loan facility borrowers are not required to fulfill tedious faxing process.

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."


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 …".


Apr 15 2014

Fight against cancer: Publicis auctioned notes Kylie Minogue

Tag: Uncategorized, business, economics, events, opinionsadmin @ 9:08 pm

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"if" played by the bass, or "the" sung by Kylie? Fans of the Australian singer and beyond, all interested persons will be given the choice by participating in a fundraising operation of a kind original. An association of French oncologists, the Alliance for Cancer Research (Aprec1), had the idea of ​​an international campaign involving Minogue2 Kylie herself a survivor of breast cancer in 2005-2006. The idea: to sell by the 4408 notes one of his original songs, "Chrystallize", thus offering fans the opportunity to become owners and, incidentally, to do a good deed. Since Monday

and for ten days, visitors can discover the partition, choose their notes and follow the auction in real time on the onenoteagainstcancer.com3 site. After the operation, the 4408 winning bidders will receive the song preview, a personal ownership certificate and their names will be highlighted in the credits of the clip cash advance no fax. Country

100% Social

"This is a world first: the campaign, which does not have a purchase euro area, s' 100% based on social networks, "says Olivier Altmann, head of the creation of Publicis Council4, originally the project. To make noise around the operation, are the owners of media Kylie Minogue who are involved. The star has over 2.6 million fans on Facebook, more than 2 million followers on Twitter and 400,000 followers on Instagram. The specialist auction on Internet eBay5 deals with technical aspects of the device and its deployment in the world. All stakeholders

songwriter parts, publishers and production house, graciously agreed to participate. Profits from sales of notes and single will be donated to APREC.


Apr 08 2014

Attractive World cultivates its difference on the Internet

Tag: Uncategorized, economics, people, resources, specialadmin @ 1:36 am

 How

get a place on the web, create, to perpetuate a brand and customer loyalty? Ludovic Huraux, co-founder in 2007 of the dating site Attractive World1, has steered its way in the highly competitive field of internet dating. 24 years old at the time, he invented a strong concept by introducing a selective admission. "The difference is really having positioned on the premium segment of the meeting, since it is the members who are on the site that identifies new candidates with the idea to create an environment of trust in which people can easily share and meet. "

Today is World Attractive beneficiary and just passed the million and a half of applications even if ultimately only a little more than 500 000 people will be accepted. A concept that allowed Attractive World to develop a strong brand on the Web. "To have a strong brand, you must have a strong position, and our bias was to be placed on a high-end segment. From the moment you have a true differentiation must know, and for us the best way was to invest in marketing and in particular television cheap business cards. When engaging hundreds of thousands of dollars and sometimes millions of euros in television campaigns, you must know what the most profitable programs, what time it is better to invest and on what channels. "…. …. "Skip the real"

Beyond TV and site Attractive World continuously works on display algorithms that aim to better connect people seeking a soulmate. "Depending on the interests and activity on the site, we will put you in touch with people that match these interests, which is a lot of research and development carried out throughout year. We feel that users have very high demands, they are no longer satisfied only virtual Internet use and online dating sites, but they really need to go into the real, meet people, and for that we bring a real service by organizing events that are very good excuses to make this bridge then. " Each week, marriages and births are celebrated by members who have used this dating site.


Apr 06 2014

 Charlie Hebdo offers reduced in past cities right and the extreme right prices

Tag: economic, features, publications, resources, technologyadmin @ 8:04 am

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"special offer post election hangover wood." Charlie Hebdo1 offers until April 8 subscriptions at reduced rates for the past right or the extreme right in the last municipal elections cities. "Your city is moving to the right or the far right? You do not plan to move? Charlie supports you in this event, we offer you the discounted rate for all contracts taken until Tuesday, April 8 included, "says the description of the subscription.

Subscription for 6 months and from 55 to 45 euros; than a year from 96 to 76 euros and that of two years from 185 to 146 euros. In addition, "you receive a gift and save up to 54% of the cover price. What could be better? "The newspaper added. The Offer is made all the inhabitants of the past right and the extreme right cities, "young, old, military, unemployed, prisoners, retired, non-taxable, invalid, or you subscribe someone who the is ".

…… Special Offer "Hangover post election wood!" http://t.co/W14iEQnCt12 pic instant payday loan.twitter.com/R0eVDPQfui3

– Charlie Hebdo (@ Charlie_Hebdo_) April 2, 20144

So without marketing or real militant act? "This is a militant act," replied Charlie Hebdo. "We did this also to laugh, to lighten the mood." And the satirical newspaper, marked left, is not his first attempt. Already in 2011, the a "Sharia Hebdo5" was controversial and the newspaper was the target of arson. "We have already launched promotional offers of this type," says the satirical weekly.

And the financial impact is not necessarily strong. "We have not noticed an increase in our subscriptions up this offer," says Charlie Hebdo. If "people take it as a joke," offer different prices depending on the location of the subscription is illegal. "In legal terms, this is discriminatory," says Delphine Meillet, a lawyer at the Paris Bar .. "Legally, there is the matter, but the damage will not look very far," she adds.


Apr 04 2014

Mozilla boss loses his job after his remarks against gay marriage

Tag: international, life, money, resources, top newsadmin @ 2:20 pm

American Foundation Mozilla1, which develops the Firefox browser, announced today the departure of his boss just came into functions2 the heart of a controversy for his support for an initiative against the homosexuel.3 marriage "Brendan Eich chosen resign as CEO, "said Mozilla's official blog. The announcement of his appointment dated back only 24 mars.Brendan Eich was one of the co-founders of Mozilla, where he held several positions before becoming boss. But after his recent promotion, he found himself at the center of controversy because of a donation he had made to support a campaign against gay marriage in California conducted in 2008. Among his detractors included in particular the dating site OkCupid, which had begun to display the following message when users arrive on its internet page with a Firefox browser: "The new boss of Mozilla, Brendan Eich, is an opponent of the equal rights for gay couples. We would prefer that our customers do not use the software to access Mozilla OkCupid poor credit personal loans. "" Mozilla prides itself on having a different standard, and this last week, we did not . been up We know why people are hurt and angry, and they're right: it is because we have not been faithful to ourselves, "admitted Thursday on the blog of Mozilla Mitchell Baker, the Executive Chairman of the Board of the Foundation. "We did not react quickly enough (…) when the controversy started. Sorry, "adds elle.Mozilla indicates that discussions are still ongoing about its future direction, promising more information about" next week "." Mozilla believes in equality and freedom of expression, "but recalls Mitchell Baker." We accept contributions from anyone, regardless of age, culture, ethnicity, gender, gender identity, language, race, orientation Sexual, its geographical position and its religious views "and" we have employees with a wide variety of opinions, "she argues.


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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Feb 10 2014

The stable of luxury Dubai police

Tag: economics, events, finance, money, publicationsadmin @ 11:28 am

 

Dubai does not skimp with its police! While the streets of the emirate are taken by all the more luxurious than the other cars, police are no exception with their new sports car, a Bugatti Veyron.

Dubai police announced the arrival of the new racing car on his Twitter account, photos and videos to support. This machine costs a whopping $ 2.2 million (1.6 million euros).  

# 1 شرطة _ دبي تطلق الدورية السياحية الجديدة من نوع # 2 بوجاتي فيرون شرطة # 3 # 4 # سيارة دبي 5 # 6 الامارات pic.twitter.com/QOJiUKJoAK7

– Dubai Police شرطة دبي (@ DubaiPoliceHQ) February 6 20148

The problem is that this ultra powerful car can not accommodate more than two passengers. The question is therefore whether the authorities will install the suspects they catch in their chases …

Enhance "image of luxury and prosperity of the emirate"

The issue has already had to ask for the security forces have a garage worthy of a billionaire paydayloan. Dubai police already includes Audi R8, Lamborghini Aventador, Ferrari FF or a GTR … The Bentley Empowered vehicles are painted in the colors of the administration concerned in white and green.

But these vehicles are not used to hunting for racers but rather to enhance "image of luxury and prosperity émirat9" said police itself. Luxury vehicles and patrol the tourist areas of Burj Khalifa, the tallest tower in the world, or Jumeira Beach Residence. And these toys four wheels are the delight of tourists, who do not hesitate to take pictures before the cars. The director of the local police has recently told TF1 that "the role of cars is not to stop criminals, but to show the class of Dubai." Therefore unnecessary to have more than two seats, QED!


Jan 29 2014

Real estate: prices are overvalued by 15% in France

Tag: events, features, finance, publications, resourcesadmin @ 1:52 pm

 

Even if prices fall immobilier1 since 2012, they are still overvalued by 15%, according to a study by Credit Agricole. "The prices have so far fallen slightly (-2.1% in 2012 and -2.5% in 2013) and 155% cumulative since 1998 was only partially offset by lower credit rates , lengthening the loan term and increases in income, "explains Olivier Eluère, an economist at Credit Agricole and author of the study. The market is however assagi2 slightly compared to 2008, when prices were overvalued by 25% then, by Crédit Agricole. The credit rate is higher then borrow more weighed on household income.

This year, the market should still idle. Crédit Agricole expects a decline of 4% of transactions in the former and stability in the new. "The negative factors are present, but they should not increase. The economy is recovering very slowly, "said Olivier Eluère. The new tax regime for capital gains including an exceptional reduction of 25% for one year, could also "a bit thin market", with a increase in new home sales and rental investment.

The mortgage rates will gradually rise

But rates immobiliers3 credits should just go back to little in the wake of the 10-year OAT could reach 3% by year end. If this scenario is confirmed, the lower prices of existing homes is expected to reach 4% (yoy). "This would represent a cumulative decline of 7% to 8% between late 2011 and late 2014," says the study.

"The evolution of credit rates will be critical habitat for the property market in 2014," Olivier Eluère advance. "If bond yields went up significantly and if this movement was then reflected in lending rates, the market correction could be significant," he says.

Anyway, as in 2013, secondo buyers, ie households who buy and sell their primary residence, the majority remain in the property market this year. "The weight of" first-time buyers "remain low," he says.


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