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Strike at Air France: the movement may harden

Sunday, October 30th, 2011

In the second of the five-day strike of cabin crew of Air France, the company promises, as before, to ensure 80% of its flights. Even if the unions, who believe that the movement is followed, announced an intensification of the mobilization against the proposed reduction in the number of cabin crew in some planes.

About 200 flights on the 1000 planned were canceled Saturday. "We have given the forecast. Saturday at midday, only 200 passengers 3,000 were in trouble, "noted the direction of the company. Air France has temporarily limited to 100 passengers the ability of its medium-haul flights from Orly to avoid having to put down passengers for lack of a sufficient number of hostesses and stewards. Result: Passengers waited. This strategy and the delays it caused affected customers were exasperated. "It's a nightmare bad credit payday loans. We have been waiting seven hours.Our flight departed. We could not board because Air France has focused on particular families. We were placed on a waiting list telling us that we might catch a plane at 12:30, chartered by another company. Shame, "railed one of them.

On the front of the long-haul Air France canceled at Paris ten flights especially to New York, Montreal, Los Angeles, Tokyo, Abu Dhabi, Douala.

Provided Air France does not rule out last-minute cancellations. Considerable uncertainty remains about the level of participation of PNC (cabin crew) in this movement, they are not obliged to prevent the company of their intentions. Moreover, unions provide them a "surge" of the movement. "All the volunteers PNC reserves are currently using," said Didier Foussat, the union FO.

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New sharp rise in unemployment in September

Thursday, October 27th, 2011

The news could not have come at a worse time. According to data recently published by the Ministry of Labour, the number of registered unemployed at the end of month employment center has increased again in September. And not a little: from 26,000 in Class A (unemployed who have not worked at all) and 27,600 in categories A, B and C (including job seekers who have had a reduced activity during the month ).

By category, so there is between 2.78 and 4.175 million unemployed in France. A level not seen since January 2000 in Class A and never reached at all, the combination A, B and C.Results for the six months to less catastrophic for the presidential and the more so as the number of registered unemployed in category D (that is to say, training, training, illness or device reclassification as contract Professional security and therefore not required to seek work), jumped 3.8% in September after several months of declines or relative stability. Proof, if needed, that the social treatment of unemployment on public money is well and truly left full in September.

In a statement, Xavier Bertrand "takes note of these poor figures related to the downturn." The Minister of Labour and Employment took the opportunity to recall the "absolute engagement" government "on the employment front, especially for young people."And for good reason: the number of under 25 not engaged in any activity which have registered at employment center grew 0.6% in September, bringing down over-year to 2% when it was over 6 % on the first months of the year.

It is mostly young men who enrolled en masse in September (1.3% against 0.1% for young women)."The new measures already in force of the law of 28 July 2011, including the ability to start an apprenticeship contract immediately without learning, practical solutions to the challenges made in the field should enable all young people wishing to enter alternately you can do, "warns, however, Xavier Bertrand.

Sudden economic downturn

The Minister did, however, no word in the direction of the unemployed and senior long-term which, when not hurt, have been hard hit by the economic downturn last month. The number of unemployed people over 55 increased by 2.1% in group A (a jump of 14.3% over one year) and that of long-term unemployed, 0.7%.

The cold shower is especially icy for job seekers registered for more than three years employment center (+2.5% on month and 21% year on year).Immediate consequence, the average length of employment center has yet to take one day at 456 (against 394 days two years ago), and the share of registered unemployed for over a year unemployed now stands at 38.2 %, up 8.5 points history since the beginning of the crisis.

Apart from the inscriptions following a redundancy which continue to decline (-2.5% over one month and 12% year on year), the other two main reasons for entry are on the rise: the purpose CDD (+4.5% on month and 9.7% year on year) and for temporary assignments (+0.3% in a month and 13.6% in twelve months).

As for administrative radiation, often a source of controversy, they are this time not in any case. They rose in effect from 4% in September and were virtually unchanged over the year.The other bad news, confirming the sudden economic downturn, concerns finally collected and vacancies filled by employment center that fell in September, respectively, 7.1 and 5.3% over one month.

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Life insurance falls into the red

Monday, October 24th, 2011

The ax has fallen. In September, the French withdrew 11.5 billion euros in their contracts of life insurance in order to invest in alternative investments. With a collection of 9.7 billion euros, the "preferred placement of French" displays so a net outflow of 1.8 billion euros. "Financially, there is a stabilization of outstanding, grade Pierre de Villeneuve, president of the commission life of the French Federation of Insurance Companies (FFSA) and Chief Operating Officer of BNP Paribas' Cardif. The outflow is offset by the capitalization of assets. "

This net outflow nevertheless a very symbolic event for the world of insurance. This is the second time this has happened since the publication of a monthly indicator in 1997.In the panic of the fall of Lehman Brothers, the purchase of contracts had exceeded the collection in October and December 2008.

The new episode of outflow was expected, the movement of withdrawals flying for several months. Several factors explain this cold snap. "The environment encourages individuals to anxiety out of stock or bonds to promote short-term investments or stone," said Jean Berthon, president of the Federation of Independent human savers for retirement (Faider) . Hesitations about the tax life insurance at the beginning of the year have also left its mark.

Banks are active

In this context, investors do not have particularly appreciated the booklet A faxless payday advance. Despite its attractive net salary of 2.25%, in September it displays a modest collection of 1.13 billion euros.Investments flagship autumn are to be sought in bank books boosted short-term offer of 3.5% to 6%, for periods of three to twelve months. Banks, ordered to adapt very quickly to new regulatory requirements of Basel III, should not relax their efforts to build up a stock of customer deposits.

Insurers temper the consequences of withdrawal. Indeed, if an individual purchases a life insurance company invests in securities with face holding horizon is closer to the life of the contract, that is to say very often in bonds.The outflow thus results for insurance companies by sales of bonds, exposing companies in an environment of rising interest rates to a realization of unrealized losses.

"The life insurance companies have tools to deal with exceptional events: the capitalization reserve, the reserve for surplus and unrealized gains …" insists Pierre de Villeneuve. As for the outflow, or it should not affect investment returns, or the results of companies. This is a good opportunity to show the flexibility of life insurance to meet the needs of some investors. "

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Why Europe is considered the village idiot world

Monday, October 17th, 2011

What is the country with the largest trade surplus? Germany, with 194 billion dollars over the last twelve months, ahead of China (173 billion). What is the state that attracts the most capital of the world? The Netherlands, where foreign direct investment to date some 3000 billion, far ahead of the United States (2.25 trillion), according to the review of the IMF. What is the country which hosts the most tourists? France has received 78.9 million last year, against 61 million for the United States.

Each of these expresses a form of performance excellence. Germany feeds her flawless manufacturing tradition since the industrial revolution. The Netherlands, taxation deliberately advantageous for multinational companies, is one of the hubs of global capitalism since its "golden age".The Hexagon cultivates an image of cultural universality and good living. Taken one by one, most Old World nations are doing much better than the European Union, or the idea of ​​it.

The Americans accused him of set themselves up as "fortress" when "big market" Europe was created in 1992. Now she is unable to defend its weak links, as révèlela sovereign debt crisis. Public deficits are, however, generally two to three times lower than those of the United States and Japan, as Jean-Claude Trichet, ECB president, continues to say. But markets look weak countries, not the average of a "Union" in front.

Europe is becoming "the global village idiot" in the words of Hubert Védrine, former foreign minister.He who has not grasped the rules and fails to protect its interests. This is particularly evident in relations with China, became the first trade and investment partner of the Old Continent. The EU has a trade deficit with China of 169 billion (in 2010) of similar magnitude to balance US-China (205 billion euros). But the complaints vis-à-vis Beijing are very far from achieving the shouts of Washington. The Committee of Foreign Trade of Parliament held on October 11 a special session on Sino-European trade.As responsible for relations with the Far East in the European administration, Helena König wanted to do things in perspective: "It is clear that for European companies in China is a source of profits" at she said, with emphasis on German and French companies in China. Certainly.

Unfair competition of the "Made in China"

This can not hide everything no fax cash advances. First of all the unfair competition of the "Made in China", which led last week the U.S. Senate to vote for the first time, a bill accusing Beijing of "manipulating its currency." Or access the Chinese market, fully controlled, as we see "a rush of China in Europe." This is the title of the study that came to write scathing François Godement Jonas Parello-Plesner and for the European Council on Foreign Relations. They describe an all-out acquisition strategy.The recovery of ailing brands such as Volvo and MG in the car, the establishment of SMEs. Beijing has established a fund of 2.8 billion euros to assist innovative German SMEs to develop partnerships with their Chinese counterparts. This may take the form of real industrial cities, as in Florence, on the outskirts of Florence, where 4 800 small businesses employing 40,000 Chinese expatriates in Mainland China are a bridgehead offshore.

Faced with this wave, "Europe has no information or regulations," stigmatizes Francois Godement. The Bulgarian ambassador in Paris, Marin Raykov, explains how his country, not having been able to interest the French car manufacturers, has brought the Chinese Great Wall Motor to manufacture cars in Bulgaria.Deindustrialization and fiscal difficulties of the southern states are an ideal soft underbelly.

With its 3.2 trillion (dollars) of foreign exchange reserves, Beijing appears in turn as the white knight to the rescue of Greece, Portugal, Ireland and Hungary. Last summer, a delegation from the Italian Treasury, modern-day Marco Polo, visited with great ceremony in Beijing to his court. It was rumored that the Chinese central bank holds 25% of all European public debt. Information without foundation, insists Francois Godement. Unlike the U.S. Treasury, following precisely the holding of Treasury bonds by Beijing and publishes its figures, Europe has no statistical tool.Like Greece, which has Eurostat in September 2004 that its accounts were rigged, had not a lesson.

This lack of information is a godsend for Beijing, which keeps his secret. What easy conquest, according to the principle of "divide and rule", as old as the Roman Empire, the British had returned to their use to colonize the Middle East.

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The royal wedding is worth 10 million euros in Monaco

Wednesday, September 21st, 2011

Albert II of Monaco and Charlene Wittstock reported close to the rock. The royal couple, who has said yes last July, allowed Monaco to garner nearly 10 million. The celebrations, which took place over three days, had in fact cost 19.578 million euros (paid by the State of Monaco to the tune of 9.178 million and 10.4 million in the Palace). But the direct and indirect economic benefits are, they estimated at 29 million euros, according to the Institute of Statistics Monaco (IMSE).

Direct benefits, which include expenses related to the organization made in the Principality, were valued at 14.9 million euros.According to the Minister of State Michel Roger, "76% benefited local economic entities", ie the sectors of hotels, restaurants, service providers and equipment supply.

The indirect benefits generated by visitors and participants in various events during the wedding, have immediately helped raise 4.6 million euros (2.5 million are still went to the restaurant, 1, 5 to 0.6 million hotel and derivatives such as objects and stamps). In the long term, they need to generate about 9 million.

"Capitalize" on these benefits

For Monaco and its 35,000 inhabitants, the bet seems successful. This marriage has given a boost to a tourism industry that marked the coup in 2009.The Tourism Monaco confirmed a very good month of July: "The Principality has 75,000 monthly overnights. In July, 80% of them were occupied, "said a statement citing" great numbers that exceed the reference years were 2007 or 2008. "The Oceanographic Museum and its exhibition "Story of the Royal Wedding" shows the tourist craze sparked by the marriage of July as recorded 100,000 visitors in less than a month.

To maximize the benefits for the long term, officials are working on Monegasque a special program named "Monaco, the world capital of romance" with the goal of "capitalizing on the benefits of international royal wedding and set up a course marriage," said Bouquier Michel, the Commissioner General of Tourism.

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Accommodation: aid refocused

Wednesday, September 14th, 2011

In full preparation of the Finance Act 2012, the government wants to reform the system help to improve the energy quality of housing. The daily Les Echos, the measures will be refocused to encourage the most effective work.

The reform provides for the extension of the tax credit for sustainable development – given to households who install a heat pump or insulate their roof … – Until 31 December 2015. The credit will be enhanced even when the fireplace combine the installation of multiple devices. The Department of Ecology has also provided several scenarios in which the tax benefit may be increased to 50% instead of 13% to 45% today awarded based on the equipment installed.For roof insulation, for example, the owner will add those walls and piping fast cash advance loan.

The return of accumulated tax credit – eco-PTZ

Canceled earlier this year, the cumulative tax credit and an eco-interest loan will become possible, under certain conditions. The government plans an income ceiling set at 30,000 euros annually. In addition, households will still opt for the tax credit or the interest-free loan. The repayment period of the latter will also be extended to 15 years instead of 10 now.

In against part of the aid extended, the government will however reduce the benefits to other work. The list of eligible acts will be tightened, and a movement of the plane of 10% will be applied to the current subsidy rate.

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Wauquiez will help students to stay

Wednesday, August 31st, 2011

Laurent Wauquiez said Tuesday the establishment of a guarantee fund to facilitate student housing. Goal? Avoid default and the requirement for students to produce a surety. The guarantee fund as surety in place of the new residence hall occupants.

Initiated by Valérie Pécresse, it has been refined over the summer by the services of Laurent Wauquiez. Main innovation: This fund was set up in collaboration with private banks to replace the young who can not provide security for accommodation in university residences. The project is also to extend this funding to candidates for private dwellings.

A quest that may turn the galley

The announcement comes just a few days or weeks of their return, many students are actively looking for a roof.To facilitate a search that may turn into a hassle, avoid pitfalls and surprises, the CNOUS (National Center for University and school), umbrella Crous, opens a portal to a comprehensive supply Housing in Ile-de-France. In this site are not only offers university residences, but also offers private landlords benefiting from new label CNOUS. For this new label, the organization set up with professionals and students, a questionnaire containing the prerequisites for inclusion in the list of homes approved by the regional Crous (heating, sanitary facilities or a network electrical standards …).The questionnaire four themes: the quality of housing, proximity to centers of education, respect of good practice in relations between the landlord and the tenant and the student price. Indeed, a report by the DGCCRF of August 2010 complained scams that students are the most frequent targets: unfair, inadequate housing, debit authorization of maintenance and repair of the deposit, ban to host friends …

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Cyber ​​attacks: an exorbitant cost

Saturday, July 2nd, 2011

The numbers are staggering. In Germany, the financial damage caused by cyber crime amounted to 61.5 million euros in 2010, according to figures released Thursday by the criminal police and the Federation of high tech Bitkom. This is equivalent to an increase of 66% over the previous year. As the United States, the FBI estimated the cost of crime to some digital $ 560 million in 2009. A world-wide, according to McAfee, cyber crime would have generated some 1000 billion in 2008, about 1.64% of world GDP for that year. Remains that, without minimizing the scale of the scourge, these figures are perplexing.

Many experts give little credence to these studies because most of them emanate from computer security specialists. For the record, other than McAfee is the world number two antivirus software.In addition, "less than 10% of companies report having experienced cyber attacks," said Jean-Paul Pinte, senior lecturer in strategic intelligence at the Catholic University of Lille. According to the specialist risk management and cyber terrorists of enterprises affected societies fear the bad publicity due to media coverage of cyber attacks.

Jean-Paul Pinte, "we know nothing of the legacy and financial losses suffered indirectly." He added: "If an attack is to relieve a company of sensitive information, loss of data will generate multiple costs, such as loss of competitiveness, or the upgrading of security."

"Hard to get a comprehensive view"

Director of the National Security Information Systems (Anssi), Patrick Pailloux abounds in this direction."When a site is the victim of an attack, he takes as an example, it is first blocked, causing a shortfall. Then we must add additional costs to set up a hotline strengthened. "And on the practices of industrial espionage initiated via the Internet," How can we measure in terms of losses that a competitor could steal ?, "asks the director of Anssi. Clearly, "it is difficult to get a comprehensive view of the problem," says he.

Despite these criticisms, these figures are held up to each event on Cybercrime. However dated, the estimated one trillion dollars of McAfee is authoritative. Last May, it appeared even in the "reminder" of the fourth Parliamentary Forum on Information Society in Geneva, on the initiative, among others, the United Nations.Trompe-l'oeil, the text quoted a source stamped Europol, the pharmacy police intergovernmental European Union, which actually refers to the numbers … the software publisher.

If governments do not hesitate to chopping these impressive figures, it is often necessary to legitimize, but costly reinforcement of their agencies against digital piracy. Or clear, make the pill easier to swallow from taxpayers. In January, the UK has estimated that cyber attacks cost him a whopping 27 billion pounds per year (32.2 billion euros) in a government study.An amount (by far) greater than the harm claimed by the United States … A few days before making public figure, London has announced the release of 650 million pounds over four years to "strengthen its cyber security " freecreditscore…

International cooperation in the war-horse

Without waving the national figures, France is no exception, as evidenced by the announcement of piracy Bercy in March. Patrick Pailloux it was for the state to "lead by example" to encourage companies to report piracy they wipe. The Director of Anssi said that 150 computers were then infiltrated by hackers to steal documents for the French presidency of the G20. "We were able to counter the threat," he goes on, noting that thirty experts have been mobilized for two months to "clean up" more than 130,000 positions in the Department.A communication that is timely, since Anssi plans to double its workforce (360 employees) by 2013.

Such methods may be distasteful, but experts and politicians agree: there is no time to waste on the face of digital crime. "For a long time in France, we thought that hacking and computer intrusions were not really dangerous, says Jean-Paul Pinte. But now we know that it's become a real business, and that the threat can come from anywhere: a simple USB key, hard drives or even photocopiers, which, connected to the Internet can become the target of hackers ".

Therefore, international cooperation, which requires significant resources, is "a priority," insists Patrick Pailloux. And for good reason: "90% of attacks are international," says the director of Anssi.In the columns of The Tribune, Laurent Wauquiez, Minister for European Affairs, recently recalled that a hacker "can be installed in Latvia, while in France to intervene through a Canadian site." He even considers urgent that Europe adopts "a kind of cyber-FBI-backed Europol" to stem the digital crime. And one last statistic to shoot, ensuring that "a user of thirty lost money in Europe over the last year" due to a hacker.

Businesses, prey selection

Having surveyed 45 U.S. companies in 2010, the Ponemon Institute found that on average, the financial damage caused by hackers and data theft was $ 3.8 million.Like that of McAfee, this figure is to be taken lightly, as though Ponemon shows his independence, his study was commissioned by ArcSight, a specialist in digital security. However, it appears that large groups are increasingly being targeted by hackers. Since the beginning of the year, the list of companies or institutions that have suffered cyberattacks has continued to grow. Sony has suffered more than ten attacks since mid-April, leading to theft of confidential data of more than 1 million customer accounts. Recently, Sega has had the same misfortune: the editor of the series of Sonic hedgehog found in mid-June have been stolen names, email addresses, birth dates and passwords of almost 1.3 million customers on its servers.Google or Citigroup also suffered cyber attacks.

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Almost 140,000 less unemployed in 2011

Saturday, May 21st, 2011

The crisis is confirmed a little more. The system of unemployment insurance (Unedic) has revised its forecast Friday for job creation and unemployment for 2011 and 2012. And the conclusion optimism grows. On the basis of assumptions "realistic and reasonable" GDP growth (+ 1.8% in 2011 and 1.7% in 2012, where the government plans + 2% and 2.25%) and payroll (+ 3.1% this year and +3.5% next year), Unedic provides an acceleration in job creation two years: 146,000 in 2011 and 168,400 in 2012, against 119,700 estimated in 2010.

This translates, of course, by an encouraging trend on the number of job seekers. Unedic estimated that the number of registered Class A employment center (the unemployed with no activity) will drop by 138,000 this year.But this decline will be largely offset by the continued rise in the number of jobseekers who had reduced activity (categories B and C) or are exempt from search: + 98 000 people. "The job was restarted by acting through short-term contracts," said Geoffroy Roux de Bezieux, Vice-President (MEDEF) of UNEDIC. There should be a reversal in 2012 with the creation of more full-time jobs. "Confirmation Bonnand Gaby, President (CFDT) of the institution:" The number of unemployed decreased activity continue to rise this year but decline in 2012. "In fact, next year, the decline in the number of unemployed in category A (- 92,000) will be amplified by the Class B and C and provided research (- 31,000). As the number of unemployed receiving benefits, it will drop by about 80,000 per year, the next two years, after rising 51,500 in 2010.Forecasts "in line with the data of the first month of the year," Vincent assured Destival, director of UNEDIC.

No drop in fee

These data will have a significant impact on the accounts. The cumulative deficit (8.5 billion euros at end 2010) will reach 10.5 billion at December 31, 2011 while he was withholding $ 14 billion a year ago. It will drop even late 2012 – albeit slightly, from 200 million – to around $ 10.3 billion. "This is the first since the crisis began that record a positive result, welcomed Geoffroy Roux de Bezieux. But he remained a heavy debt that will not even consider a reduction in contributions. "

Unedic also fired "key findings" of the 2008 crisis. The decline in employment of 500,000 jobs in two years, was lower than expected."She has twice been less pronounced than the value when the two had fallen back in the same proportions in 1992 and 1993," says the plan. "Companies have behaved more virtuous and long-term approach, and tried to keep their employees as long as possible through mechanisms of partial unemployment," said Geoffroy Roux de Bezieux justified.

Another observation: the resumption of job creation occurred earlier than expected, since early 2010. "This confirms the assumption that labor productivity per capita weakened by the crisis," Gaby Bonnand found. As a result, having decreased by 1% since early 2008 when she posted eight quarters after the recessions of 1992 and 2001, an increase of 1%.This was then translated violently in unemployment figures.

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Income: that French employees win

Wednesday, May 4th, 2011

Click image for larger graphic.

In 2008, a French employee earned 18,800 euros net on average per year. He saw his salary increase by 1% on average annually since 2004. Women earn less than 27% of men and less than 25 years earn 60% less than employees over 40 years. In the private sector, executives show average annual wage income of 38,800 euros, which means they are about three times better than a paid worker or employee.

In public, a government official earns 8,000 euros a staff of more territorial and 2500 more than a hospital worker.These are some lessons from the 2011 Survey of Employment and Earnings "of INSEE.

Underperforming academic specialties

More specifically this year, government statisticians are wondering if specialized training had a significant impact on employment and wages. Their response is positive. "For the same level of education, holders of professional specialties are generally less unemployed than graduates of academic specialty," say the authors of the study.

There are two types of specialized training in language INSEE, "a specialty of targeted professional training" (mechanics, accounting, healthcare, secretarial, trade payday loans in 1 hour…) or a specialty academic (humanities and social sciences, humanities, languages ​​…) . 61% of assets from 15 to 55 are in the first case, 12% in the second.A quarter do not fit into any category, either because they have no diploma (18%) or because they have a general education secondary school certificate type (8%).

The educational level is particularly important determinant of wages. 5 bins earn about 70% more than the CAP-BEP, with a premium for jobs related to accounting, finance, human resources, operation of the business or law.

Some specialties are finally learning is highly specific. Graduates in hospitality-tourism obtain value well their training if they have a job in this field and despite a high unemployment rate. Conversely, those in finance and accounting experience a low rate of underemployment and have pay above average, they work or not in their field of training.

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