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 04 2014

The shock report on low-cost Inconvenient Air France

Tag: economic, opinions, publications, top news, worldadmin @ 5:09 am

 The report

Monday handed the CEO of Air France 1 on what to implement to fight against low-cost airlines will he kindly stored at the bottom of a closet I need regular. Ordered by Frédéric Gagey2, the CEO of the company tricolor to imagine a sustainable future for the activity "point to point" – that is to say without match, so – short and medium letter of Air France group flights and reduce losses (200 million euros in 2013), this report contains the recommendations of an expert group. If the CEO of Air France is expected that the strategy currently being conducted, ie reducing the number of devices and stops where the losses are important and maintaining three brands is reinforced, this is not the case.

Shares of Air France erode market

The rapporteur this job is none other than Lionel Guérin, the current boss Hop! 3, the company that brings Airlinair Britair and Regional, three regional entities of the Air France4 who steal appliances from 48 to 100 seats. The expert group has tried to cope and rationalize, at least on paper, a business operated by three different companies within the Air France group: Transavia5, the low-cost intended for leisure flights, Hop, that regional conducts domestic flights to major European cities (Budapest, Vienna, Prague, Barcelona, ​​Stuttgart …) and finally Air France whose market share erode. In some figures, these three companies together account 2 billion euros of turnover and employ 10,000 employees in this activity.

The facts are simple. Short and medium-haul to the hub at Roissy fueling long-haul flights Air France flights lose € 400 million per year but management tolerates some of these losses as it flows through the long-haul profitable. "We can accept losing to Air France 150 million euros per year to fill its planes at Roissy. These are costs that could virtually integrate long-haul, "says an analyst.

Beautiful margins low-cost

But no question of widening losses activity "point to point" that competitors such as EasyJet, Vueling or Volotea have captured while achieving beautiful margins. On flights between France and Europe, Air France lost 5 points of market share between 2010 and 2014. And the French domestic market, low-cost airlines increased from 15 to 27% market share between 2010 and 2014

. To stem losses the report proposes to set up in the autumn a new common organization Hop! and Air France for business functions such as optimization of sales by trade policy (revenue management), pricing … Each company would retain the operational management of its staff.

The report distinguishes between two market segments where business customers are involved and "VFR" visiting friends and relative, that is to say travelers who visit their friends and their families: a segment is predominantly leisure, whose customers are looking for low prices. Customers of the other, dominant business, favor the regularity and frequency while maintaining their wallet.  Contain

Air France flights to match

Transavia meets unsurprisingly expectations first and should continue to grow from Orly, its current base, with ten additional Boeing 737 for its flights leisure. However, to meet the needs of the second category two opposing scenarios: either Hop, regional, fully recovered activity previously carried out by Air France at Orly especially with its mini price!. Air France is building on its reputation in housing activity in a "brand connected" to its name

. Clearly, the report's authors propose confine the short and medium-haul Air France connecting flights to Roissy and let companies "agile" take care of "point to point". On the social level, this scenario would obviously have serious repercussions. "The situation may be very tense in the coming months," says an official of the group aware that the courageous decisions remain to be taken. Frédéric

GAGEY has in hand a "hot potato" that he should say at half results on July 25 that it intends to do.


Apr 25 2014

Manuel Valls arouses distrust on economic issues

Tag: international, online, publications, special, traveladmin @ 10:58 pm

 After months

atop the popularity of Manuel Valls1 it would begin its decline? According to a survey * BPCE-ViaVoice for Les Echos and France Info2, 64% of French do not trust the Prime Minister to improve their purchasing power in the coming months. Mistrust which currently focused on economic issues. After taking March3 end function, its popularity and satisfaction varied according institutes, between 41 and 58%. A flattering level for the new head of government, which dominates François Hollande4.

Last week, after the Council of Ministers, Manuel Valls detailed plan of 50 billion euros 5to finance pact in responsabilité6 for businesses and reduce the deficit. He also introduced measures for the poorest, including an envelope from June to August billion. But it seems far too limited to French. Lower contributions on wages up to 1.3 times the minimum wage from January 1 is considered "symbolic" 72% of them. A shared popular categories opinion (74%) and supporters of the left (55%) car warranty.

53% of French are also confident that their purchasing power will decline over the next three months, against only 9% believe that it will increase. Expenditure items that appear more "concern" are taxes (52%), electricity (37%) and food (35%).

After his policy speech to the National Assembly on 8 avril7, six French 10 already felt that the Prime Minister would "rather not effective" reduce unemployment and 56% doubted its effectiveness to "allow more social justice," according to a BVA poll for Aujourd'hui en France / Le Parisien and i-Télé8. A few days earlier, a Tilder/LCI/OpinionWay9 survey revealed that only 43% of French trusted him to revive the French economy, against 56%.

* This survey was conducted online from 11 to 16 April 2014 on a sample of 1,011 people representative of the French population aged 18 and over .


Apr 09 2014

PSA Rennes website showcases the Factory of the Future

Tag: economic, economy, life, special, worldadmin @ 7:32 am

 

Employees of PSA Peugeot Citroën1 Rennes plant are worried about their future. An extraordinary meeting of the committee of establishment provided Thursday, April 10 should "reorganize production in a single team, which means the removal of a half team," says Loïc Pottier, the CFTC2. Rennes is inspired Poissy and Mulhouse, where a team has lost in recent months. This removal can be done in the framework of the new social contract approved last year by the unions.

"We expected this announcement for 2015 rather than now," says Loïc Pottier. Trade unions signed agreement CFE-CGC, CFTC, and SIA-requested management constructor "make every effort to repatriate to Rennes new activities in workshops and research and development."

On this point, the Ministry of Productive Recovery should answer this. Rennes has indeed been chosen to host one of the pilots' factory of the future "plan. It is one of 34 industrial plans presented by the President of the Republic and the Minister of Productive Recovery in September. Its management was entrusted to Frédéric Sanchez, president of the manufacturer of machine tools Fives, and Bernard Charles, President of Dassault Systèmes.

The details of this plan have been disclosed last Thursday at the Salon of the industry, but at the last moment Arnaud Montebourg3 canceled his coming, held in Bercy by the ceremony of transfer of authority. On behalf of the Minister, Christophe Lerouge, Commissioner productive recovery of Burgundy, said Thursday that "this plan has two objectives: to work on the French offer of new production technology, such as 3D4 printing or robots to be able to export; and secondly, to ensure that these technologies are spreading in France in order to gain competitiveness. " A first steering committee for this plan met mid-March to validate four projects identified twenty one. Wizards robots

One of these four projects thus relates the PSA Rennes site. It should allow to conduct a pilot line for manufacturing prototype parts in composite structure for automobiles. Much lighter than steel, composites will help lighten cars and thus reduce emissions by improving consumption. This line will use technology developed by Fives specialist composite technology. This demonstrator will be housed in Excelcar a company's R & D set up by PSA and supported by the local Breton as part of the re-industrialization of the site. Actors

industrial-builders but also equipment-believe may contract with Excelcar to implement in their factories, their own tool production. Rennes line should be operational late 2015. The total investment will be between 10 and 20 million euros, and will cover 30 to 40 jobs. "The potential is, however, hundreds of jobs if manufacturers decide to implement other production lines in their factories for their vehicles," said an industry expert.

These projects should enable "the transformation of existing plants to create windows of the French technology that can be visited by foreign delegations, for example "explains Frédéric Sanchez Figaro. Unlike the German model, where the robots are already widely distributed in plants because labor is rather scarce, the French model leaves room to the man he is meant to be seen rather as replaced by a robot.


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.


Mar 19 2014

"Greenpeace activists did not penetrate into sensitive areas Fessenheim"

Tag: finance, international, opinions, special, traveladmin @ 5:40 am

 

LE FIGARO. – An EDF nuclear power plant has been the subject of a new intrusion. Does not fit too easily be in your facility? Philippe

Sasseigne. – The answer is no. Our concerns about safety and security are constant, supported within the framework of our own nuclear detection systems which are added specialized police squads. In today's episode, our detection systems have warned us of a real-time intrusion, which was then allowed police to intervene in an appropriate way. I stress, and it is important that activists Greenpeace1 have entered at any time in areas sensitive to the Fessenheim.

Can you imagine a system of protection that is completely sealed infrastructure?

It depends what you are talking. Should implement walls 20 meters high all around nuclear power plants? Or install barriers that instantly annihilate lethal intrusion? In this case, imagination has no limits. We prefer the current system which is both fast protection, trained and specialized cash advance loan. The gendarmes interpose smoothly when they are able to do so. Meanwhile, we seek to constantly optimize our operation. Each year, some 200 million euros are devoted to the protection of EDF nuclear power plants and a program of € 700 million is expected over the coming years. We have nothing against the media activities of a particular organization. However, we formally dispute any illegal operation like the one that occurred at Fessenheim.

Will there be one day a fatal accident during an intrusion type of Greenpeace?

Can not exclude it. Those who smuggle in a nuclear power plant to take risks and the risk to others. At Fessenheim today, there were only minor injuries but no scenario should not be dismissed. We are under the violation of private property, it is an extremely reprehensible and we would like it to be more suppressed by the court.


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.


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 01 2014

The French in favor of reforms impact on unemployment insurance

Tag: economic, economy, finance, money, worldadmin @ 4:04 pm

 

The French seem ready to shock therapy on the issue of unemployment. According to a survey * BVA for i> Télé and Le Parisien published Saturday, 82% of respondents are in favor that we give the opportunity for employees who wish to contribute less in exchange for a future cap their unemployment compensation, if one day they were brought to experience a period of unemployment. They are 64% to be "favorable" to an automatic radiation unemployed who refuse more than two "reasonable" job offers, and 61% want to "exclude the specific system of intermittent technicians show, which could be submitted to common law. " At the question: "Do you agree to increase from 4 to 8 months duration of work required to be compensated," half of the respondents said yes. And 59% advocated the establishment of a degression of allowances from one year. A device that had been arrested in 2001.

All these "ideas" come from the CGPME (the General Confederation of Small and Medium Enterprises). Proposals – published last Monday 1 – have been welcomed as a "provocation" by the other unions. At the CGT leader Eric Aubin assured that "would not accept." The number two of the CFDT, Véronique Descaq, has also warned that it was "in no case going back on the rights negotiated in previous agreements," citing "a dramatic employment situation." These tracks were also considered "sensational" by the negotiator of the CFE-CGC, Marie-Françoise Leflon saving account pay day loan. "Let's be serious, they are propositions that can not hear," she has said. Even MEDEF kicked in KEY2 "CGPME feeds reflections," said the leader of the employers' delegation Jean-François Pilliard, making it clear that the MEDEF was, to date, not on this line.

No major reform to wait

All these unions have been meeting for a fortnight to reform the nebulous system of unemployment insurance. They were given until March 13 to agree on a new contract. But if the French seem willing to tighten their belts and accept a harder system sensitive subjects were directly scanned 3: no question of touching the regime of the entertainment, or lower unemployment compensation and duration. Including the president himself: "This is not a time of high unemployment should be reduced the rights of the unemployed," ruled François Hollande mid-January.  

High unemployment? Sure. There are today in France 5.5 million jobseekers all categories included, 2.2 million are compensated. The reversal of the trend in unemployment as promised did not lieu4, and nothing indicates that approach. Meanwhile, the hole in the coffers of the UI is widening alarmingly: debt regime reached € 22.1 billion and will continue to deteriorate in 20145. If nothing changes, the deficit will approach $ 40 billion in 2017.

* This survey was conducted among 994 people recruited by telephone and interviewed by internet 30 and January 31.


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