A textile company, for lack of sewers it needs for its plant in Quimper, creates a pathway of learning to train its future recruits? The SME Armor Lux, well known for its white wine, made the headlines this week, at a time when all candidates for president are the re-industrialization of the country one of their campaign themes.

This situation is not isolated and number of industrial jobs – welders, boilermakers, milling … – are pulling their hair to find candidates and encourage vocations. "There is a real paradox between a high level of unemployment in France and companies who are not candidates for positions in recruitment, whether welders, millers, coppersmiths, payroll technicians, seamstresses …. In total we estimate that roughly fifty so-called shortage occupations. In our business we miss about 30% of requests from our customers because we do not have the resources and this situation has been deteriorating for a decade, notes François Beharel, group president of Randstad and staffing agencies. Concretely, this means that our group could generate 30% of turnover and more. "

For him, the problem is essentially related to the collective image What these professions in public opinion. "We imagine that in the textile industry and is like 50 years ago, while the environment has changed, that wages were revised upwards and that career paths are possible." "We have to get into people's heads, and young people in particular, that the industry is clean and not necessarily noisy. In this regard, the construction was successful for several years to reverse its bad image, "says Anne-Marie Bjornson, Director of Transitions AFPA.

Develop learning

A UIMM, Joel Mendez, Director Employment and Training, said that one communicates primarily on job losses. Yet in all sectors of metallurgy, the recruitment needs estimated over the period 2007-2015 are always evaluated credit score. Between 60,000 and 80,000 jobs per year, including 30 to 40% reserved for graduates, according to a study by the study-which will be updated in early 2012 over a 2013 to 2020 -. "There is a big educational effort and support to achieve with the companies to become more involved in processes of looking management of jobs and skills (GPEC) and assessing their future needs" says he.

According to Anne-Marie Bjornson Afpa transitions, there are ways to mount training particularly in the context of operational readiness to employment (job center) or as part of training contracts. "We are also working on the issue of transferable skills, which allow for example to a textile worker to work in the weld or a working precision to go in the car." But anticipating needs is a prerequisite and essential step, she insists.

For Joel Mendez, it is also essential to adapt the training devices to the needs, both in initial training in continuing education. And take the example of learning where the numbers in the branch of metallurgy grew 6% in 2011 (with a total of 26 000 apprentices). "At the last school year, nearly a thousand offers of learning could not be met and at the same time, the same volume of young people did not find any company. This shows that learning can be further developed and the various mechanisms put in place recently should help solve these problems. "

A situation that in any case, Francis led Beharel hammering: "stop sending generations of young people in jobs without opportunities. Spend money to know that jobs are to be filled with real careers, especially if the areas are not attractive. "

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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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The sum is still small, but she will have to grow strongly in coming years. In 2011, e-commerce subsidiary of the SNCF has made 88 million euros in business volume, that is the sum of all transactions in Europe via its website tgv-europe . com.

It is still only a drop of water, compared to 3.2 billion euros in business volume generated by all of Voyages-sncf.com last year. To achieve this, the company sold 60 million tickets in 2011, against 54 million in 2010. The site selling online has passed 30% of all tickets sold by its parent.

Yves Tyrode, the CEO of Voyages-sncf.com, however, appreciate "the dynamism of European sales, which rose 24% between 2010 and 2011." And he expects to win market share in Europe. He especially appreciates the fact that success in Europe "can bring foreigners in France, and increase the number of nights."

In June, applications for the iPhone will be launched in Germany, Spain, Belgium and Switzerland. This is a real driver for growth: last year, 20% of connections on the site in France came from a mobile phone, even if the transaction rate is lower, only 4% easy to get unsecured personal loans.

Investment in a search engine

The success of the destination France also explains the restoration of the branch "travel agency" of society. "After four years of downturn, we stabilized the volume of business of the travel agency at 224 million euros," said Yves Tyrode. The success was important to offer camping (53%) and package deals (15%).

"The role of France as a destination should be confirmed in 2012, said Yves Tyrode yet. This is one factor that allows us to target new growth of our business this year. "

Travel sncf.com do not hesitate to invest elsewhere on this theme. In March, the company took a 45% stake in Hexatourisme, a search engine designed to promote France as a tourist destination worldwide. On this project, the subsidiary of SNCF is alongside the Deposit (which owns 45% stake) and Maison de la France (10%), the public agency for tourism development of France. "We are still in a phase of investment, even if the site is already being tested," said Yves Tyrode.

In recent weeks, investors do not understand anything. Some have seen all of their interests in 2011 life insurance policy amputees 13.5% Social Security contributions (CSG, CRDS …). Others paid much less. CNP Assurances, for example, said she has not applied the 13.5% interest acquired all of 2011 … for the simple reason that it was applicable as of 1 October in 2011. Before that date, and the tightening of government tax, the rate was only 12.3%!

ING Direct, he admits he was wrong. Customers have received an email, stating that the amount of payroll taxes that had been indicated (13.5% for all interests in 2011) was erroneous. The situation will be rectified in order to apply a rate of 12.3% through September.

This means that the position of tax administration, questioned on the issue, has been eagerly awaited. She gave his answer Wednesday. Disappointment! It returns insurers and investors to their contracts! Because, of course, the rate of 13.5% applies only to interest earned since 1 October 2011. But to know when these interest-precisely-are "acquired", "should refer to the relevant clauses of the contract," says Bercy. Back to square one, therefore.

For Aviva, the manager of the famous Afer contract, signed by some 720,000 savers, the interest shall be granted unless the performance of the contract for the year is calculated, and so when the interest is credited to an account. Or early 2012. That's why he applied the 13.5% interest in all the euro funds earned by the insured during the past year. This clause is most detrimental to investors.

For other insurers, we can at least take into account the minimum guaranteed rate. Many contracts provide a minimum return in effect during the year (it is applied especially to investors who end their contracts before December 31, and thus before the yield used for the past year is known). It is less generally used to return ultimately, but it has the merit to exist. If the contract considers that the interests are acquired at least the minimum rate during the year, it is enough to apply 12.3% Social Security until late September. And apply the 13.5% that of the rest.

The Swiss are about to bolster their reputation for needy people. They will vote Sunday on whether to increase the minimum paid leave of four to six weeks per year. They should, if one believes an RTS survey released this week, overwhelmingly reject this offer, 30% of respondents only showing himself to be favorable.

In the employers and government, the vote on March 11, organized at the initiative of the union Travail.Suisse, unsurprisingly raises hostility. Swiss companies are concerned that this increase in leisure time would harm the competitiveness of a country where labor costs are already among the highest in the world. With the key, they are in custody, a rising unemployment. At 4.2% in 2010, the unemployment rate Helvetic is currently one of the lowest in the OECD.  

The French model which appears as a perfect example-cons. Since the law on the 35 hours they were "much more free time than the Swiss and it did not bring much," judge the employers' organization economiesuisse. "The unemployment rate is high, the economy has weakened and the French were wearing pale twice as often as the Swiss," says the organization.

The unions, meanwhile, argue that the productivity Swiss jumped 20% in 1992 and 2007, and it's fair that employees derive some benefits. According to them, two weeks extra vacation would also reduce the stress suffered by third asset.

Conquest of paid leave late

Within the Swiss population, the reluctance of employers to amend the social model seems widely shared. "These holidays that prevent work in peace" was the headline in mid-February the daily Le Temps. The RTS survey highlights that the Swiss Latin are more attracted by the proposal that the Swiss allémaniques, over 40% against 30% in the general population. But Le Matin claims that the work is valued highly consensual. And remember that for over half a century, all efforts to shorten the working week were unsuccessful.

The conquest of paid leave was made later in Switzerland than in France. It was not until 1964 has been entered in the 'Code of Obligations "to give the workers a minimum of two weeks paid vacation per year. The right to four weeks will be introduced 20 years later. Even if some collective agreements already provide a framework more favorable than the statutory minimum, "let it be said here, it is not in France, insists Time. 1936, paid holidays decreed by Leon Blum, the hordes of workers blissful hurling on the N7, it's not with us. "

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The 2011 results of Areva, released Thursday evening, were sealed by its activity "mines". The nuclear giant has indeed devalued its uranium mines over 1, 45 billion euros. This loss comes from the assets of the company Uramin, acquired in 2007.

Areva does not yet puts into question its interest in the mining activity. Luke Oursel, CEO of Areva, has even said on Friday that "there is no scheduled opening of the capital of the mine." This scenario was discussed for several months, and a decree issued in late 2011 had approved the hiving Areva Mines, conducted in the wake.

World number one

The persistent interest of Areva is due: it is the world's largest uranium mines, alongside the Canadian Cameco. Moreover, this branch shows a strong margin. In 2011, EBITDA was 450 million euros to 1.29 billion revenue. The margin was nearly 35%. For the whole of society, the EBITDA exceeded 1 billion euros for 8.87 billion euros in turnover, representing a margin of 12%.

The difficulties Uramin however, show that this activity is risky. To reduce these risks, does not exclude Areva to partner on specific fields, as was done with EDF on February 10 for the Imouraren mine in Niger. "We always open the possibility of associating partners, mainly utility customers, contributing to project funding and in return remove the corresponding uranium production," confirmed Luke Oursel.

The desire not to enter a minority shareholder at the central level does not prevent the group, looking for cash, to carry out arbitrage in its holdings. He signed Friday an agreement with Cameco for the sale of the participation of 27.94% stake in Areva mining project Canadian Millennium for 150 million Canadian dollars (about 112 million euros). And the sale of the stake in Eramet seems a matter of days.

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The streets of Athens rose up against Angela Merkel and "diktat" German, which inflict a further course of rigor drastic to Greece. The criticism comes from all sides against the "iron chancellor" whose bitter potions would compress the growth throughout Europe. But his hand does not tremble. Sunday, hours before the vote of the Greek Parliament, Berlin has again raised the pressure to impose its will.

"The promises of Greece are no longer sufficient for us," warned Wolfgang Schäuble, Minister of Finance, pillar of the German government, in an interview with Welt am Sonntag. "It's important to say that it can be a bottomless pit. That is why the Greeks will finally have to clog the well. Then we can put something. At least people are now beginning to realize that it will not work with a bottomless pit. "Like many of his partner, Judge Berlin that the commitments of Athens are too often gone unheeded and demanded the immediate implementation of new austerity measures.

Stir in the coalition

Deemed the most pro-European member of the Government of the Rhine, Schäuble judge the rescue of Greece even more difficult than the reunification of Germany … The cost of the upgrading of the former GDR is estimated at 1,000 billion euros. Citing polls, he stressed that the Germans are largely in favor of an international aid to Greece. "We are pleased to offer our assistance, but we should not give others the impression that they have not done enough. Each state is responsible for itself, "he says. "Greece must do its homework to become competitive, it requires a new rescue plan or some other way that we do not want to take."

The German finance minister and openly discusses the assumption of an outflow of Greece in the euro area. "Everything is in the hands of the Greeks themselves. But even in that event, on which no table, they remain an integral part of Europe ", said Schäuble. The warning from the Foreign Minister, Guido Westerwelle, is even blunter: "If Athens lays groundwork for sustainable, then Greece can count on our help. But only in this way. Only actions count. "

The Greek crisis causes a stir in the center-right coalition of Angela Merkel. Chancellor, who had raised that possibility in December 2011, now excludes any output of Greece in the euro area. According to his spokesman, there is no alternative to restoring the solvency of Greece. And an output of the eurozone countries would not be in the interest of Germany. According to German media, Merkel would have been convinced by the French president that such a scenario would expose the entire euro area markets virulent attacks. And it opposes several of his ministers on this issue.

However, a new aid plan for Greece, which contribute Berlin, will be voted on by the Bundestag on 27 February. If Athens does not concede quantifiable efforts by then, a new political showdown looms on the lower house of German parliament. Because, for Germany, solidarity also commits those who promise to respect the common rules of operation.

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As for income, they have soared from 7.3% to 7.2 billion euros, a figure in line with analysts' expectations. The activity of the house owner of Gucci, Puma, Redcats and Fnac was supported by the luxury division posted organic growth of 23.2% and 24.4% in the second quarter alone, where analysts had forecast an increase of 19%.In contrast, the distribution center, to be sold by the group, saw its sales fall by 1.4% semi-annual (in like), hit by poor performance of FNAC (-3.2%) to facing an extremely difficult environment in France, while Redcats, the specialist distance sales fared better, with revenues up 0.8%). For its part, the sporting goods company Puma has seen its sales increase by 9.4%.

Based on these results, the group says "confident" to get the second half of "sustained growth in sales and financial performance over 2010."

Save Greece

Jean-Claude Trichet, President of the European Central Bank on Thursday. Photo credits: Georges Gobet / AFP

Like doubts about the financial situation of Greece weighing on European markets, U.S. investors should not however find a frank optimism as the Obama administration does not provide a convincing response to the U.S. debt.Hence the nervousness on Wall Street recorded, for 6 weeks, all finished in the red.

No waiting indicator

In the absence of major macroeconomic indicators and publications from the companies, markets keep an eye on the ongoing discussions about whether or not to raise the debt ceiling. From this point of view, the main concern is the possibility in the coming weeks, the U.S. can not cope with effect from 2 August to some of their repayment obligations, if the cap was not raised.

Side currency, the euro lost some ground against the dollar Monday in a market without much direction still hanging on the progress of discussions between EU leaders, who are struggling to find agreement on how to continue to help financially Greece.MP in the afternoon in Paris, the European single currency was worth 1.4379 dollars against 1.4348 dollars on Friday night.

On oil markets, prices started to fall Monday in a cautious market that awaits the decisions of Saudi Arabia on a possible increase of its production. Around 24:10 in Paris, a barrel of Brent North Sea crude for July delivery was $ 118.66 dollars on the Intercontinental Exchange (ICE) in London, giving 12 cents from Friday's close. In electronic trade the New York Mercantile Exchange, a barrel of light sweet crude (WTI) for the same period lost $ 1.19 to 98.10 dollars.

As for values

Banking supervision

Financial stocks could benefit from an article by the financial weekly Barron's pay day loans.The newspaper said the major banks like Bank of America (+0.29% to 10.88 dollars), Citigroup (0.71% to 38.19 dollars), Goldman Sachs (0.96% to 137, $ 23), Morgan Stanley (0.71% to 22.85 dollars) and Wells Fargo (1.26% to 26.61 dollars) are undervalued on the stock market and could see their progress as 25% of the next year, says the financial weekly Barron's. These shares are currently traded at levels close to or well below their book value, the magazine added.

Boeing: 0.80% to 73.27 dollars)

The will sell six Boeing 777-300ER to Thai Airways, which will also acquire eight Boeing 787 leased from ILFC.

Allied World Assurance: -1.88% to 56.98 dollars

The group will buy Transatlantic Holdings for $ 3.2 billion in shares, giving birth to a group of insurance and reinsurance with an ever wider and greater implementation. Transatlantic Shareholders will receive 0.88 share for each Allied as they hold the equivalent of 51.10 dollars per share, representing a premium of 16.1% over the closing price on Friday.

Gilead Sciences: -1.42% to 39.66 dollars

The biotechnology company, world leader of HIV treatment, said Friday it received a subpoena to submit to the court documents relating to its manufacturing methods, quality control and distribution.

Blackstone: +0.12% to 16.62 dollars

The group and the specialist debt Avenue Capital talk with investors in order to raise five billion dollars to invest in bond markets, reports the Sunday Telegraph.

VF Corp: 12.23% to 103.03 dollars Timberland: 42.48% to 42.73 dollars

The group announced Monday the acquisition of the apparel brand Timberland outdoor sports for $ 43 per share and a total of two billion dollars. VF Corp. expects this acquisition will allow it to add approximately $ 700 million to its turnover in 2011.