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The presentation was eagerly awaited in the high-tech world. Become the world's number one mobile to Nokia and Apple, Samsung introduced Thursday evening in London its new flagship model, the Galaxy S3.

"Relive the presentation of the Galaxy S3

A description and the first review about this:

• DESIGN

Back to the rounded design for the new Samsung Galaxy S III: a nice case with curved lines and curved back which inevitably think about HTC's latest smartphone, the X One Screen with a slightly larger 4.8-inch super-AMOLED, which is distinguished by its superb contrast and excellent precision in the details with its 1080 x 720 display and resolution of 306 dpi (almost as much as iPhone 4S and 326 dpi). "Inspired by nature, designed for humans," says the slogan of the manufacturer. The Galaxy S III measuring 13.6 x 7 cm to 8.6 mm thick, and weighs 133 g.

• USE MORE NATURAL

"The Galaxy S III knows what you want to do," said a spokesman for the company. Thus, the Face Detection helps keep the screen active when one looks at it, avoiding it goes to sleep. The proximity sensor, when it detects a movement towards the ear, picks without having to press a button or dials the touch-screen. Equally spectacular, the S Beam can easily share files between two Galaxy SIII: touch another device and the content displayed will be transmitted automatically by NFC or Wi-Fi according to file size no fax pay day loans.

• EYE AND EAR

The voice recognition system S Voice enables Samsung to compete against the iPhone 4S Siri: we can now speak naturally on the phone asking him to take a picture, call a contact, set an alarm, to dictate text, for the weather or control the music player. The camera, it recognizes the faces of those affected and proposes to transmit images via MMS or email. Better still, pointing to a face to a photo, you can get the Google + Facebook profile and the subject.  

• PHOTOS AND VIDEOS A GOGO

Equipped with a 1.9 megapixel camera for video calling and, at the rear, a 8 megapixel sensor particularly reactive (no delay between triggering and capturing a photo), the Galaxy offers a new way Automatic scene. It may even recommend the best shot among multiple shots. Its screen can watch Full HD movies at full resolution, but he also knows wirelessly transfer the display on a big screen DLNA. It also provides access to content from other devices using a wireless network.

• THE PRICE OF POWER

Compatible 3G + (HSDPA 21) and 4G (LTE), the Galaxy S III is also very powerful with its quad-core processor. It allows to continue watching a video in a vignette while performing another task on the phone. Available in blue or white, and 16, 32 or 64GB, the Galaxy S III will be released in France in June. First Prize: € 649.

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"Relive the presentation of the Galaxy S3

The insurance deductible

In its most common meaning, the deductible is an amount of money that remains the responsibility of the insured in case of disaster or when the responsible person is not identified. This allowance is intended to:

The driver-responsibility by sharing the risk,

-Limit "small" claims, which are comparatively more expensive in terms of administrative costs,

-Allow the company to propose lower prices.

Namely: the deductible does not apply to third party victims, who are always fully reimbursed.

Application of the exemptions

Regarding auto insurance, there are also:

-Deductible mileage. It is home to a distance beyond which the automobile assistance benefits do not fire. For example, if the deductible mileage is 50 miles, the tow vehicle crashed 20 km from the residence of the insured will not be supported.

-The deductible on work incapacity or disability: it is the number of days of disability or a disability rate below which the personal guarantee of the driver does not play (eg, 10 days of disability or 5% disability).

Relief may take two forms. The franchise deductible amount is simply called a threshold. In this context, the insurer does not support the claim that if the amount exceeds the amount of the deductible. If he supports it, it's totally and no money is left in charge of the insured. For example, if the contract provides for a deductible of € 300, a loss of € 250 will not be supported, but a loss of € 500 will be fully reimbursed to the insured.

The corresponding absolute frankness about it in the most common case. This amount is borne by the insured in any case. Thus, if the deductible is € 300, a loss of € 700 will be repaid only € 400 to the insured.

Excess amounts

Some franchises are set by ministerial decree and therefore required all insurance companies. This is particularly the case of natural disaster deductible amount of € 380. In contrast, other franchises are freely set by the insurers.

Limit or eliminate the deductibles of an insurance contract is to actually buy them. Therefore, contributions and increase the gap between premium contract with deductible or no deductible up to 30%. The insured can choose its franchises in particular according to their driving habits.

Note: Franchise may be different from a guarantee to another. For example, in the same contract, the franchise glass breakage can be 250 €, but that of flight-fire guarantee of 750 €.

Thus, an insured person who never lends his vehicle can save money on their insurance premiums by choosing a franchise "ready to drive" high. Conversely, parents of a young driver may have an interest in buying the franchise "novice driver" time of his apprenticeship.

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"Find car insurance that meets your needs with the help of experts CPLUSSUR.COM

The Paris Bourse has continued to widen its losses on Friday. After an opening down 1.19%, the CAC 40 slipped 3.5% in response to the publication of U.S. employment figures earlier this afternoon. Then the index was down enccore in the red, losing up to 4% just before 17 hours. Finally, the CAC shows a significant decrease of 3.59% to 3148.53 points, under the 3150 points. No value of CAC has been able to climb into the green on Friday. For the week, however, the Cac 40 shows a gain of 1.97%.

Elsewhere in Europe, the Milan Stock Exchange closed on a fall of 3.89%. In Frankfurt, the Dax lost 3.36% at the final bell and the FTSE in London fell by 2.34%.The European indexes have been sealed by banking stocks, which still suffer from concerns over European debt, including the stalled talks in Greece.

Thus, investors have been cooled by zero job creation in August in the United States. In July, the first estimate of recruitment was greatly scaled down from 117,000 jobs created to 85,000. The unemployment rate remained steady at 9.1%, as expected. "The labor market is expected to remain sluggish in the medium term and the unemployment rate should rise slightly or remain at its current high level" of 9.1%, says Inna Mufteeva at Natixis.This publication reinforces the eyes of experts, the probability of a new monetary response from the U.S. Federal Reserve at its next meeting on September 20 and 21.

In addition to the waits before publication of the report, traders were disappointed by yesterday's U.S. indexes mixed. The weekly jobless claims have fallen and certainly the contraction was avoided in the manufacturing sector, but construction costs and productivity plummeted. In addition, the White House confirmed the pessimism about the weakness of the recovery across the Atlantic in scaling back its growth forecasts.

Euro stable

On the foreign exchange market, around 17:30, the euro 1.4207 dollars, against 1.4260 on Thursday, its lowest level in three weeks.Yesterday, the euro had fallen sharply under the impact of renewed concerns vis-à-vis the health of the euro area, where industrial activity contracted in August, unlike the United States.

In France, higher energy costs caused a 0.5% increase in producer prices in July in the euro area, as expected, but overall inflationary pressures subside to the extent that the area economy patina.

The bank collapse

Fear seizes even Greek European banks. The establishment of a second aid plan seems to be complicated. The troika of creditors of Greece left Athens Friday, giving the government 10 days to advance structural reforms in the country, weighed down by a recession that will prevent it from holding its budget savings target.In Paris, Crédit Agricole fell 7.38% to 6.65% Societe Generale, BNP Paribas and Axa of 6.24% to 5.73%.

Arcelor-Mittal: -6.10% to 14.17 euros

The group plans to resort to short in the fourth quarter at its plant in Florange (Moselle), and will ask 600 of the 3,000 employees of the plant to take RTT in September, officials said Thursday a union source

Total: -2.69% to 33.40 euros

The oil will extend all over France its network of service stations at low prices, after tests conducted last year in dozens of outlets, according to Les Echos.

France Telecom: -2.37% to 13.17 euros

The operator has received numerous expressions of interest for its Swiss division, told Reuters CEO Stéphane Richard, noting that financial market volatility would not affect projects sales of assets of the group.

Bouygues: -2.14% to 25.61 euros

The Standard & Poor's announced that it placed the long-term rating of A-group under review with negative implications following the announcement by him of a proposed acquisition of securities.

Sanofi: -3.25% to 49.75 euros

The group confirmed Thursday it has reached an agreement with Pfizer to produce in France generic versions of Lipitor, the cholesterol featuring the American group.

EDF: -3.23% to 20.95 euros

Goldman Sachs has revised down its price target on the title, which goes from 49 to 31 euros, while remaining on the purchase value.

Carrefour: -2.83% to 17.66 euros

HSBC lowered its recommendation to "overweight" to "neutral" and target price of 30.50 to 20 euros.

Stallergenes: – 0.81% to 49 euros

The laboratory of immuno-allergic Thursday announced a net profit up 18% in the first half to 23.7 million euros, benefiting from the "business growth" and a "moderate increase spending research and development. " In the process, Oddo is to reduce its recommendation to neutral.

Safran – 2.77% to 27.05 euros, Suez Environnement: -4.23% to 11.09 euros

Saffron is the best candidate for an entry in the CAC 40, while Suez Environnement, whose price has fallen heavily since the beginning of the summer, should come out, say professionals in the Paris Bourse.

Nyse Euronext – 1.93% to 18.56 euros

The London Stock Exchange has confirmed a press report that it is discussing a possible settlement with LCH.Clearnet.Discussions are at a preliminary stage and there is no guarantee that it would, he said.

Neopost: + 10.39% to 56.30 euros

The group raised its forecast of annual sales for the second time, following an accelerated growth in the second quarter, thanks to the dynamics of North America.

Miserable for the opposition, wobbly for the Court of Auditors and the Bank of Italy, considered a "blatant theft" by the CGIL union, which calls for a general strike on September 6, the budget bill amendment from the agreement Monday between Silvio Berlusconi and his main ally in government, the Northern League, never ceases to cause a stir.

Clearly, the political compromise was drafted in haste, less to meet market expectations and requirements of rigor of the ECB and Brussels as to satisfy the appetites of political coalition.

The plan touches the budget plan adopted on August 14 the Council of Ministers, who remodeled himself the three-year plan adopted July 15 by the Chamber of Deputies.The goal remains unchanged: to return to balanced public accounts or substantially by the end of 2013 with a deficit reduced from 3.9% to 0.2% of GDP. This requires about 48 billion euros in savings or additional revenues in two years.

However, the mechanisms used to differ materially. Abandoned, the removal of "solidarity" on income exceeding 90,000 euros per year announced in mid-August. As the merging of municipalities with fewer than 1,000 inhabitants (Italy has 8100 municipalities) and the consolidation of a number of the 110 provinces, which duplicates the 21 regions. The initial objective was yet to release 70,000 posts the payroll of the state.

Structural reforms are delayed

Wednesday again, the government had to give to exclude the counting of annual pension contribution periods of education or military service.About 100 000-130 000 Italians are concerned. The measure, considered unfair by many, would have saved 500 million euros next year.

As a result, the Bank of Italy said that the draft budget relies too much on tax revenues, which represent three quarters of the effort. Again, structural reforms are referred to the next legislature: it would halve Yet the plethora of parliament (one thousand), scouring utilities and local governments, reduce the exorbitant privileges of the political class. Decisions that require boldness.

Parliament must approve the draft by 15 October. Some 1 300 amendments were tabled. You can bet they significantly exacerbate spending. Silvio Berlusconi is confident to govern until the election deadline of 2013. Markets, they will vote probably before.

At dusk, fauna connected to press at the entrance of the Centre Pompidou, invitation registered by hand. An opening? Not quite. The April 7, the Beaubourg Museum in central Paris, was privatized by Coca-Cola. The capital city hosts every week a handful of marketing events like this, but this one is unique, hence the exceptional affluence.

More than for the unlimited drinks and canapés, all are there to see Karl Lagerfeld. The artistic director of Chanel designed a collection of three bottles of Coca-Cola Light, launched with much fanfare on the terrace of Beaubourg. TVs have come from all over Europe, on the promise of a few minutes interview with the star. Magazines have published photos of the evening across the continent.A promo for gold Coca-Cola Light!

Since its appearance in a graceful Road Safety campaign in 2008, where he was wearing a fluorescent safety jacket ("It's yellow, it's ugly, it's not going with anything, but it can save your life ", he said it), Karl Lagerfeld multiplies contracts with brands. Most of the time fixed fee paid by classified top secret, sometimes a percentage of sales generated.

Steinway piano to the Yule log Lenôtre through a limited edition of the Petit Larousse, a pair of Repetto shoes and outfits for Barbie, the designer is able to affix his signature everywhere you least expect it.In recent months, he created an eyewear collection Optic 2000, played in a Volkswagen ad, directed the 2011 Pirelli calendar, shot commercials for the launch of Magnum ice in the United States and developed a mobile hairdresser Schwarzkopf. The back looks just as prolific. The U.S. department stores Macy's will distribute a collection of ready-to-wear scratched Lagerfeld, who just draw a new limited edition shoe Hogan, a variety of ST Dupont lighters and pens and Orrefors crystal glasses.

All this, without tarnishing his own image nor nor that of its major employers, Chanel and Fendi, which could hold your nose when they saw him commit themselves with consumer brands and, worse, the smaller competitors.

Review of each project

The success of this tightrope follower of the great discrepancy is due to "system" Lagerfeld.All through the partnership (SNC) Karl Lagerfeld, owned by investment fund Apax Partners. This relates in particular to social "research and development of any product bearing the trade name of Karl Lagerfeld."

"Karl has such an aura that many brands want to associate with him, says Christian Stahl, Partner at Apax Partners payday loans direct lenders. It is able to spend the most exclusive luxury brands for cheap. "But as talk of selling p Karl Lagerfeld as a common license to groups and advertising agencies who would do what they want. Karl Lagerfeld is Pierre Cardin.

"We receive every week a number of proposals around the world," said Pier Paolo Righi, CEO of the company. All are reviewed by a committee of five people around Karl Lagerfeld."Only 40% of the proposals are accepted, ensures Sophie Delanglade, director of the studio, which, among other things, denied a proposed umbrella. The project must be sufficiently creative, inspiring the team and match what fun Karl. "

For collections of ready-to-wear and accessories projects co-signed by Karl Lagerfeld and a registered partner, the designer engages the same team as its own line, to be released next spring on the Internet. "It is essential that projects are complementary and not competitors," said Pier Paolo Righi.

Far from any delegate to the studio, Karl Lagerfeld, workaholic and perfectionist, is personally involved in each project. Her photo shoots are always performed with the same assistants, and with models that selects itself. To begin with, often by his male muse Baptiste Giacobini.His clients can afford a reference to the universe … For Chanel campaign Dom Perignon, Karl Lagerfeld has ensured that a few years ago shooting, shooting sessions were held in his mansion at the time … "With furniture specially down from the attic," recalls an officer of the brand. Same organization for shooting the 2011 Pirelli calendar, made in his photo studio staff, with jewelry and cabinets designed for shooting …

Communication millimeter

Karl Lagerfeld's team takes great care to communication operations around partnerships. The step is essential for brands: even more than the turnover by product designer Lagerfeld, the launch campaign is allowing them to benefit from their association with the stylist. But the personal image of Karl Lagerfeld, demanding and a perfectionist, is at stakeOnly around him is entitled to control this crucial phase, press kits to the organization of events, always assigned to the same agency. For the evening Coca-Cola, it recruited the young models, revamped to Karl Lagerferd wearing a white wig with ponytail. Lagerfeld's house, the business contributes to the maintenance of the myth, and vice versa.

Two regional leaders of Lidl Ile-de-France – Nord were placed under judicial supervision. They are suspected of discrimination in hiring, reports Le Parisien. They have ordered the makers of their 70 stores not to recruit persons of foreign origin in residence with "privacy and family life." A woman dismissed on this ground a complaint. The trial will be held August 18. The accused may three years in prison and 45,000 euros fine.

Refuse these cards have been living as a principle in the network Ile-de-France – Nord "at least six store managers will spread to the investigators," said Le Parisien. The staff representative UNSA, Fatiha Iraki, would have met "some thirty CV repressed," she told the newspaper.Lidl Why would he conducted such a wage policy? Residence cards "cost several hundred dollars per year per employee," said the steward.

Lidl's lawyer denies the charges: no guidance was given. There are many foreign candidates in the regional management, it is normal that some owners do not see themselves hired, he explains.

The higher the debt crisis is intensifying and European gold is getting stronger. The metal price has risen late Thursday at a new record of 1594.45 dollars approaching the threshold of 1600 dollars per ounce, still supported by concerns about the debt crisis in the euro zone and the renewed nervousness around indebtedness of the United States. The metal is "overbought in a configuration that is generally followed by a phase correction with profit taking," said Alexandre Taurand, market analyst at XTB France.

Since early July, the Yellow Gold has gained nearly 60 dollars and grew by more than 2% in five days. A craze that is also explained by its role as a refuge for investors wishing to protect themselves against currency volatility, turbulence government bonds and inflation pressures persist.Since the beginning of the month, the disturbing news in the euro area accumulates. Standard & Poor's warned that a draft agreement between Greece and private creditors would be equivalent to a default under its criteria. On Tuesday, the working group to find a solution to save the country from bankruptcy said he did not exclude a more "partial failure" Greek. Moody's lowered the rating of Portugal and the eyes are now to Italy and Spain where the rates of bonds soaring.

Investors are not convinced by the ads of European finance ministers that provide control to prevent contagion. The latter said they were willing to increase the size of the Fund for financial help payday advance. They are also considering a "lengthening of maturities of loans" made to give more time to countries in difficulty to repay their debt. But nothing works.Tuesday again, plummeting stock markets in Europe reflected a continuing concern.

All eyes turned to Italy

"Unlike money, which is currently trading on the area of ​​35.50 dollars an ounce and is a turning point towards lower, gold is playing its role as a refuge and is one of few underlying advantage of the situation, "says Alexandre Taurand.

In his view, two scenarios are emerging now for the precious metal, "If the price settles above the area of ​​1547.11 dollars, then maybe we would pause in the middle before a new upward impulse to try re-cross the area of ​​1557 dollars per ounce. In the event that the price of gold were to fall below the 1545 dollars, then we would have a target level of support for 1541 dollars, "said he.But can not decide yet, "there are a lot of uncertainty. Investors are focused on the Italian austerity plan (on which Parliament must decide by by the summer break, ed.) They also monitor the situation in the United States with the vote on the debt ceiling to be held by 2 August. "

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Ten billion profit in 2010 and no corporate tax. For two years, Total aroused much criticism for failing to pay taxes despite the huge annual profits. What the leadership said that the group does not pay corporate taxes since 2008 because its activities in France are in deficit since 2008. "The BMC (worldwide profits) can be charged in France for losses incurred abroad, says chief financial officer, Patrick of Chevardière in an interview for Echoes. But insofar as we record losses in France, we do not pay corporate taxes in France. The last time the regime of worldwide profits had a positive impact on our taxes, it was in 2001! ".And Christophe de Margerie, CEO of Total, recalled: "Total paid 800 million euros in taxes in France each year, 500 million on dividends paid abroad."

"We chose to (tax benefit) give of ourselves"

Whatever the controversy will no longer be held since the group has abandoned this tax benefit. Simply because it would bring him nothing. "Rather than continue to hear all day long that the company enjoys a preferential treatment, we decided to give it up ourselves," said Chief Financial Officer of Total.Now only NRJ Media Group and use this system, which allows them to include in taxable income in France, the results of foreign subsidiaries under their control.

The boss of Total, Christophe de Margerie, hinted Monday that his group was planning to abandon this system, after questioning last week in a report by the National Assembly, pointing to the differences between the tax paid by the groups the CAC 40 and paid by the SMEs. MP Gilles Carrez, author of the report, said that more companies are large and they carry less of the corporate tax.

The decision comes as Total Christophe de Margerie was to meet Tuesday on the phone with the Minister of Economy, Baroin, having said this weekend that the oil company would pass to the recent increases in pump prices crude oil.

Sudden brake on the French economy. The second quarter growth should be two times less than anticipated previously Banque de France (BDF), the institution announced Friday. It reduced its growth forecast to 0.2% for the period April to June, against 0.4% previously and 0.5% in its first estimate. The government expects growth of 2% over the year.

This revision severe downward is motivated by recent activity indicators published by the monetary institution. She recorded a decline in June industrial output (4 points to 99 points) and a slower growth in services (-1 points 99 points). The activity, however, should be stabilizing, according to forecasts from the BoF.

Reduced consumption

"The growth in the second quarter will be much less impressive than the first, reflecting the end of the phenomenon of stock recovery in business and the decline in consumer spending due to inflation and the decision of the premium the case, "said Mathilde Lemoine chief economist at HSBC France. It is also banking on 0.2% growth over the period.

These figures confirm the slowdown in recent months in France, after a very dynamic first quarter. The leading index of activity came out in late June PMI fell sharply, reaching a lowest level in eight months, to 55.4 points. "Industry as services are affected by a drop in new orders, which does not bode well for future growth," Analysis Ken Wattret, chief euro zone economist at BNP Paribas.

French exports did not spark either in recent months (0.9% from March to May), particularly because of slower sales in Asia. However, the French manufacturers seem to keep their spirits up. The INSEE index posted in June were up 3 points to 109 points. A level above its long-term average.

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This is the axis of the policies of Nicolas Sarkozy: officials fewer but better paid. In principle, state officials are granted wage increases in half of the savings generated by the non-replacement of retiring in two in their own departments. Problem: once again, this rule was not followed in 2010.

According to the rapporteur UMP budget to the Assembly, Gilles Carrez, it is actually two-thirds (67.3%) of savings were spent on categorical measures. Specifically, the 31,013 job cuts in 2010 were 808 million savings to the state. But 544 million is left up wages.

Results vary from one department to another. The rate of return to public officials is low for Foreign Affairs (42%), Agriculture (41%), Education (37%) and consistent with the defense (54%).However, it exceeds the target for the Budget, the Economy (64%) or culture (68%). Worse, wage increases were higher than the economies of Ecology (24.7 million against 21.9 million), Labour (16.3 million against 13.9 million) and especially the Interior (149 million against 116 million)! Gilles Carrez even noted that the departments that make the least effort on their staff are often those where economies are most reassigned officers cash advance no faxing.

Good and bad students

Example: "Culture is the department in which the application of the rule of one in two is less strict, while the cost of measures categorical 68% savings." Conversely, "the ministries for which the rule is stricter, such as Foreign Affairs, Agriculture and Health, are those for which the categorical measures are less than 50%. "In short, there are good and bad students. These slips will pay dearly as they explain the fact that retirements have been less than expected, the increase in the payroll of the state in 2010. The latter (82 billion) grew by 0.7%. To achieve its goal of reducing by 2012 the state will give less to their agents …

The Court of Auditors in a report that pointed the slippage of the wage bill, advocated a strict framework for categorical measures and a freeze of the index point (which is the basis for the remuneration of officials) until 2013 included.

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