Archive for the ‘Uncategorized’ Category

November 27, 2011 - 4:52 am Comments Off

We already knew: the end of July with the recruitment of the Argentine Javier Pastore, 42 million euros, PSG beat this year's record for the most important transfer window of the history of Ligue 1. More than 80 million euros on the table to secure the services of Kevin Gameiro, Blaise Matuidi or Mohamed Sissoko, in addition to the Argentine star.

But these numbers make you dizzy do not stop there. According to information from Parisiende this Friday, players Parisians would also take the upper hand with regard to wages. If this is the side of the Canebière found the most important emoluments (midfielder Lucho Gonzalez for 360,000 euros gross per month), 11 players received wages in the capital to more than 200,000 euros according to the daily gross , 9 against Olympique de Marseille.According to the survey, the highest salaries are in fact looking in the stands payday loan no faxing. For the largest stamp in Paris, would be to … Leonardo. Each month, the sporting director of PSG would receive 400,000 euros gross in fact, about 200,000 euros net. Almost three and a half times what his counterpart perceives Marseille Jose Anigo …

Hours before the "Clasico" between the league leaders in the tenth current is therefore the capital club who won the prize of wages. The findings of this match organized by the newspaper should not fail to elicit reactions to two years of the transition to "financial fair play" in the world of football, which calls among other things, the moderation of the wage bill. From this point of view, the pills of the stars of the French capital, however, reach the peaks found in other European leagues.

November 20, 2011 - 5:24 pm Comments Off

The virtues of rental real estate are well known. This is one of the only investments that can make on credit to build wealth. It is also a good way to prepare additional income for retirement. Finally, it is a way to accommodate her children or send them a valuable asset to start in life. However, the life of landlords is not a bed of roses! Some trace their route on this road winding and sometimes treacherous.

This is the case of Vivian B., 57, teacher. This Lyonnaise conducted between 1991 and 2010, three rental investments in his city. "I spaced each acquisition a decade, the time each time to pay off my credit. I always chose the studios in the IVth arrondissement of Lyon, an area popular.The lease payments used to pay me a portion of the loans, but each time I had to add 100 to 150 euros a month, "she says. Handyman, Viviane never hesitates to restore its apartments, it manages solo. Another "trick" by Viviane: the choice of holiday rental. "This formula provides short leases, or a year. Thus, it is easier to separate from a deadbeat tenant. "

1500 euros of additional income per month

For her, the acquisitions will stop, "because this investment is not worth the shot," given the rise in property prices in particular. "Every studio brings me 6%. But if I bought the same day, the yield would fall to 2.5 or 3%. "Soon to retire, Viviane Heritage is satisfied that it has formed. "My pension should be around 1.300euros month.

The Paris Bourse resists closure

October 25, 2011 - 5:20 am Comments Off

The hope prevailed on Monday in the Paris Bourse. After the meeting of eurozone leaders in Brussels on the CAC 40 closed up 1.55% to 3220.46 points in a modest trading volume of just over 2.5 billion euros. In its wake, London ends up 1.08% and 1.41% in Frankfurt. In New York, the indices were also well directed, the Dow gaining 0.82% and the Nasdaq more than 2% mid-term.

Regarding the debt crisis, the hope seems to come on the market. EU leaders agreed to increase the firepower of the European bailout fund (EFSF), to recapitalize banks and erase part of the Greek debt. On this point, the euro area is "relatively close" to an agreement with private creditors. European states are now seeking 50 to 60% of discount.The details of this comprehensive agreement should be announced Wednesday, after a summit. French President Nicolas Sarkozy said that the situation remains "very complex" but that "negotiations are progressing. A consensus is emerging, "he said.

First question, Greek banks have reacted badly to the news. Some securities industry lost more than 20% of their value on the Athens Stock Exchange. It has also closed down 4.51%.

Caution

In Paris, investors have decided to extend the rally started vendredi.Cet optimism was tempered, however, by indicators in the euro area and France who fear a recession. The publication of the PMI in October in the euro area showed an increased risk of recession. Contraction accelerated to $ 47.2, against 49.1 in September.These indicators are reminders of the fragility of the European economy and the urgent need to halt the crisis.

Highly vulnerable to swings in investor sentiment, banking stocks have evolved sawtooth. Societe Generale has finally closed up 4.11% to 19.75 euros, Credit Agricole gained 2.77% to 4.97 euros and BNP Paribas climbed 0.69% to 32 euros.

Renault, which goes like rival PSA Peugeot Citroen, use measures of short to deal with a slowdown in demand, has closed up 2.83% to 28.30 euros. Air France-KLM has won his side 2.20% to 5.75 euros, while the new management group has given priority to "react to the emergence of new competitors, especially low-cost airlines," said the boss of the group, Jean-Cyril Spinetta.Icade, despite the publication of a revenue increase of 11% in the first nine months of 2011, ended down 1.08% to 64.30 euros.

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Epidemic failure of Chinese SMEs

October 15, 2011 - 10:08 am Comments Off

From our correspondent in Beijing

It became the big hot topic on the Chinese Internet to the desktop as local leaders. The distress of Chinese SMEs in need of cash is in China proportions "hysterical", according to press reports in Hong Kong. To the point that the government has announced a package of measures to help them and calm the unrest.

The crisis of Chinese SMEs is symbolized by the incredible epidemic of bankruptcies in the city of Wenzhou, in the heart of the exporting province of Zhejiang. The Chinese press said Thursday that since the beginning of the year, more than 200 patrons had fled or hid after their coffers have dried up. Others have committed suicide. Some 20% of the 360,000 SMEs in the region have already had to close shop for lack of money.And the situation will get worse in January, when the Chinese New Year, traditionally the time when patrons enjoy a vacation to disappear without paying their employees. According to the New China News Agency, SMEs create around 80% of jobs in the country.

The State Council (Chinese government) has subsequently announced Tuesday a series of measures, financial and tax to help small and medium enterprises. The first is to facilitate access to credit. To do so, against the current of their policy, the authorities will allow the minimum reserve ratios "comparatively low" for local banks lending to SMEs, while this ratio was usually around 21% for large banks. Moreover, these small businesses can more easily borrow by issuing bonds. The other part is to exempt SMEs from a battery of taxes and charges.Banks are also prohibited from charging their services at prices "unreasonable."

"Informal Credit"

Wenzhou has become a symbol for it is the Chinese capital of the "informal credit". Private reserves by banks, which prefer to grant loans to large corporations, small businesses are strangled. They have no recourse but to turn to private security companies that have developed lending. The rates are incredibly high, ranging from 20% to over 100% … Some analysts believe that the share of informal loans may exceed 25% of total credit in the country. Credit Suisse has estimated that black market credit of 456 billion euros, with an increase of 50% per year.

Chief economist at the Development Research Centre of the State Council, Zhang Wenkui believes that the latest measures only bring temporary relief.And nothing will change until the banking sector do not be reformed, by offering different services to different types of customers. He has a vivid picture to describe the current situation: "It's like an irrigation system with water that would go to large trees and ignore all the shrubs." The problem is that in the short Beijing term can not open the floodgates too, failing to challenge its efforts to the credit crunch.

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Business creation Advice for Success

October 13, 2011 - 8:00 pm Comments Off

Alain Belais: "To have an idea as good as it is, is not enough."

Is it more important to choose the first legal and tax status of its business or build a business plan? Candidates for the creation of enterprises facing multiple issues. Alain Belais, Executive Director of the Agency for start-ups (PACE), recommends that they follow a very rational.

1. The person who starts for the first time in the adventure of creation must first go to the website of the Agency for start-ups. She will find all the essential tips and steps to follow. She can tap into the toolbox that is available to him, then he will look to support networks.

2.If it is much easier to start a business in France, the new contractor must make a lot of work ahead of the creation of his company to put the odds on his side. Have an idea as good as it is, is not enough. Make sure that the company is a specific market, it has customers. It is essential to consider the viability of the project in detail. Plus the contractor spends thinking about his project, the more it gives the chance to see his company grow in harmony.

3. Do not focus on minor issues. The legal and tax status of the company is not the first topic to address. There is always a formula tailored to their needs when we understand its goals and needs.

4. The initial investment can be small or large.What matters is that the funds are available in relation to the needs of the project.

5. It should not be stubborn. We must not go too fast. Take the time to evaluate, test. If an idea does not find its market, you have to stop the project and give up. This advice may seem paradoxical because an entrepreneur is a man who can shake up the barriers and must be certain. But it must also be able to understand when it's wrong. However, a board shall not conceal another, perseverance, tenacity are the powerful engines of the contractor. Do not get discouraged and overcome obstacles one by one.

6. The new contractor must not remain alone in his corner. It should not be isolated. It must be accompanied. It is sometimes necessary to protect his idea, but he must also learn to trust, to reflect with others.Whether friends or professionals. Many networks are able to advise him, to help solve a problem, to build a case for funding or to face a difficult period. Qualify for free business advice, financial, legal, tax experienced entrepreneurs is an asset. There is indeed a surprising solidarity among entrepreneurs. Many of them are happy to know-how available to those who need it. The advice and support networks for sales professionals and law are very effective to support the project leaders.

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Good accounts of the Socialist primary

October 10, 2011 - 2:40 pm Comments Off

The influx of voters on the Socialist primary this Sunday will reduce the cost of the operation. In fact, a minimum contribution of one euro was requested to the voters to fund the organization of the election. Thus, in addition to a successful democratic movement of the two and a half million participants in the election allows the party to reduce the bill of 2.5 million euros at least. In an interview with L'Express. Fr, Régis Juanico, the treasurer of the PS, acknowledged recently that "often, voters give more," the gifts of up to 150 euros.

Voter participation could offset the overall cost of the operation, however, revised upwards. The latest estimates by the Socialist Party reported a budget of 3.5 million euros, against 1.5 million originally planned.In an interview with Journal du Dimanche, the spokesman of the High Authority of the primary, the lawyer Jean-Pierre Mignard estimated that this cost is related primarily to "the need to recover a significant number of voters who were in the wrong format. "

Moreover, strengthening the means of control is more weighed on the invoice. In particular, the PS did not foresee the rental digital pens to prevent fraud. The cost would reach 300,000 euros guaranteed pay day loans. Similarly, the recruitment of many bailiffs should have a significant cost, recognized Jean-Pierre Mignard.

Elected officials and activists in support of the campaign budget

In addition, the campaign paid envelope to each candidate was revised upwards just before the campaign. Thus, each participant had € 50,000 instead of 30,000.A total re-evaluated to finance new travel and meetings and printing of new leaflets.

But the two favorites polls, Francois Hollande who collected 39% of the vote to Martine Aubry (31%) did not hesitate to seek their support, politicians and activists, to finance their campaigns. In the end, the campaign of François Hollande should cost 250,000 euros to 200,000 euros against Martine Aubry. The deputy director of the campaign Arnaud Montebourg, John Palacin, recently reported that the campaign Arnaud Montebourg cost nearly 100,000 euros, funded in part by the militants.

Only the winner of the primary campaigns will have their accounts credited to the budget allocated to the presidential campaign.

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Total Access, service station at low prices into action

October 2, 2011 - 8:04 pm Comments Off

Tomorrow is the big day Monday for "Total Access". The new brand of the oil company, which will provide service stations with low prices, will make his first steps at Rocquencourt near Paris Gennevilliers and in the Hauts-de-Seine. The two prototypes will offer, according to the Journal du Dimanche, prices aligned with retail, or about 1 cheapest personal loan rates.46 euro a liter of unleaded and 1.38 euro per liter of diesel.

An artist's view of future gas stations cheap Total Access. (CD Total)

Merkel wants to avoid "failure of control of Greece"

September 14, 2011 - 1:48 am Comments Off

After several days of hesitation, the main leaders of the euro area are put together in the front line Tuesday in an attempt to appease the debt crisis. The offensive is part of the first German chancellor, who tried to silence the cacophony in his ruling coalition. "The priority is to do everything to prevent a failure of control of Greece because it affects not only Greece but the risk that affects other countries would be very high," said Angela Merkel. A very strong focus towards members of his coalition, particularly the Vice-Chancellor in charge of Economy, Philipp Roesler, who had set fire to the powder Monday citing a lack of Athens.

True to his style, though Chancellor has not completely closed the door on this idea, stating that the priority was to avoid it."Everything must be done to keep the euro area united politically, because otherwise we could face a domino effect." Angela Merkel has also kept the pressure on Athens, welcoming the signal showing that "the Greek government has recognized the situation and does what he must do. " Finally, after a meeting with the Prime Minister of Finland Jyrki Katainen, it calmed the game on the ongoing negotiations between Greece and Finland, which requires collateral in exchange for his participation in the background of help. "I am optimistic that we find an agreement," she said.

Limit catches of speech

The statements made by German Chancellor multiple contrast with the silence of Nicolas Sarkozy. The French president received Tuesday the president of the European Union, Herman Van Rompuy to a point on the situation, with nothing to filter their conversation.Side of the French government, it is estimated that in the context of extreme nervousness of the markets, which eventually rebounded Tuesday after closing fell sharply at the opening, limit the public speaking up, not to give the serious crisis that Europe wants to avoid. Do not think of a panic. Within the State, it still insists that "banks are strong," they are "fully capable" to absorb the losses to Greece and that "we are far from the situation in 2008, where the interbank market was closed. Today, there is no liquidity problem. "

On the side of the Ministry of Economy, we want even more reassuring: "rumors do not affect the real economy."Therefore, there is "no reason" to think about re-financing of the Society of the French economy (SFEF) or the Company of equity of the state (SPPE), created in the heart of the financial turmoil in 2008 to rescue banks.

As part of nationalizing banks, as the idea begins to circulate, "it is triple no!" Says Minister of Economy, Baroin, Le Figaro. The Government's priority is the speedy implementation of the plan July 21. "What must be avoided, an environment is anxiety sustainable. Because here, the banks would start to select their distribution of credits, "we nevertheless recognize Bercy. A topic that will be at the heart of the Eurogroup expected Friday in Poland. This meeting of European finance ministers promises crucial. Further indication of the challenge, the U.S. Treasury Secretary Tim Geithner will participate exceptional.According to European sources, it should call on this occasion the Europeans not to procrastinate in managing the crisis and look closely at increasing the capacity of the SFEF to deal with bank recapitalization.

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Dupont-Aignan in interview

September 5, 2011 - 11:12 pm Comments Off

The candidate Dupont-Aignan interview by Cadremploi

The head of the Republic Standing employees do not like standing. Or rather is left standing vendors unnecessarily. After a half-hour interview, Nicolas Dupont-Aignan leaves the impression of having really thought about what a recruit.

The one he recalls with Philippe Séguin to those he leads today with the employees it recruits in town hall or in its movement, NDA puts forward some principles. Recruiters, he advises not to destabilize. Candidates, he said, especially not artificially try to stick to the post, do not rewrite their CVs to look at all costs to what is required paydayloans.The bluff always ends up seeing.

And, for the presidential, he idea for the interviews turn into really good jobs for the economy? A "simple idea proposed 100 times": when a company makes a profit it reinvests in France, reducing the corporate tax of 50%. " Political side, which he recruit? Which woman or politician would it work? Arnaud Montebourg. Why not, the ideas are close, as the generation, the former lawyer and professional employee. The team could work. Be careful with egos in the bullpen …

Half of French lives with at least 19,000 euros per year

August 30, 2011 - 4:32 pm Comments Off

The debate is raging right now about the notion of "very high income" – the government, which plans to tax them, has so far estimated at 500,000 euros per year, but lawmakers are likely to set the lower threshold above. That of poverty, by contrast, is much more accurate.

In a study published on Tuesday, INSEE said that the threshold is 60% of the median standard of living – one who shares the French population in half – or 954 euros a month (11,450 euros per year) in 2009. That same year, 8.2 million people lived below the poverty line.

Thus 13.5% of the population that was struggling to cope with loan repayments, which was regularly exposed or who would dip into its savings to balance its budget.Or 0.5 point more than in 2008, where they were 7.84 million.

The gaps widen

This increase in the number of poor people is due to the increase in unemployment during the economic slump. "However, one-off measures and the ramp-up phase of active solidarity income helped limit the effects of the crisis," the study said payday advance. The fact remains that in 2009, 10.1% of assets in excess of 18 are poor.

While the differences in living standards between the French the most fragile and the richest had decreased until 2004, they continue to grow since.In 2009, 10% of French people living with the smallest less than 10,410 euros per year (a figure calculated per consumption unit, which takes into account economies of scale when several people are in the home), down 1.1 % compared to 2008.

Meanwhile, the wealthiest 10% had a standard of living of at least 35,840 euros, up 0.7%, but less strong than in previous years.

As for the median standard of living, it is 19,080 euros per person per year, or 1590 euros per month. It increased by 0.4% compared to 2008 (an increase also lower than in previous years).

Overall, the economic crisis "affects all households, but it is the smallest that are most affected," says INSEE.