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Fnac goes hand in telephony. In this sector, the specialist distributor has a market share below 1% with only 80,000 packages sold last year. Marketing offers from most mobile operators, Fnac had to manage a complex set of over 1200 different packages!

As a result, the company decided last June to associate with a single operator, SFR, for the management of its telecom corners. Last night, Alexandre Bompard, CEO of Fnac and Frank Esser, CEO of SFR, inaugurated the new sales concept to the Fnac in Paris CNIT La Défense. This is the first to rock and eventually all the rays of the 80 mobile Fnac become "SFR space." "We hope to sell 200,000 lines via Fnac stores a year," said Frank Esser.

Specifically, the client who wants to buy a mobile Internet subscription, a fixed line, access to fiber optics as well as terminals or incidental to the Fnac will head to the "corner" SFR located within the store. It will be supported by advisers SFR, distributing only offers from this operator. The sales force, merchandising, and information systems of these areas will be managed by SFR. The operator will share the revenue with the Fnac. In return, Fnac provides SFR with prime locations in city centers and suburbs.

SFR 500 vendors

After the first opening in November in the Fnac of Sainte-Geneviève-des-Bois, Portet-sur-Garonne, Herblay, Annemasse and Paris la Défense, five new spaces will be installed in Fnac by Christmas in Velizy II Créteil, Nantes, Bordeaux and Parly II.

Suppression of PTZ + in the former.

Real estate agents who regularly praised the virtue of PTZ + (interest-free loan +) for a first house purchase new or old are particularly concerned about the impact of its removal. Now, this loan will be confined to new housing, generally more expensive .. "This offered the most fragile families a path to home ownership, says Jean-François Buet, general secretary of the Fnaim. Its end is a bad signal, we move away from France owners desired by the President. " Many professionals would rather see the PTZ + subject to means test rather than disappear.

"Of the 750,000 transactions this year, 300,000 were funded with a PTZ + in the former and 230,000 are for goods that are not primary residences, says Jean-François Buet.The new data on so three quarters of the transactions. " According to calculations by the federation of real estate, sales volume may decline by 200,000 acquisitions.

For his part, Michel Mouillart economist estimates that the measure "the crisis will be more extensive than in 2008 and will have a negative impact on the volume of mortgage loans."

And on the price? In addition to budget savings, the measures are supposed to help regulate prices. "They do not go down that much, said Sebastien de Lafond, president of the network MeilleursAgents.com. For the suppression of PTZ + will lower an already weak demand, but at the same time the tax on capital gains holding back the offer. "

The Paris market takes a few colors on Friday. In this holiday, where the activity is reduced, the CAC 40 was up. In mid-session, the index rose 0.65% to 3084.49 points after opening up 0.21%. Yesterday, he finished down slightly. In Frankfurt, the DAX index also advanced 0.96% to 5923.95 points while the FTSE-100 in London gained 0.49% to 5471.75 points.

Investor sentiment is supported by advanced this week in the eurozone. Management of public finances in Greece and Italy, two countries that focus on crisis fears of European debt, will change hands. In Greece, Lucas Papademos, former Vice President of the European Central Bank (ECB), has been appointed head of a government of national unity. In his first statement, he said that the euro is a "guarantee of monetary stability online payday loans."The United States and reported a reduction in trade deficit while new jobless claims fell to their lowest level since April. This morning, Asian stock markets were also in the green. In Tokyo, the Nikkei closed up slightly from 0.16% to 8514.47 points.

The AMF opened an investigation

The Financial Markets Authority (AMF) has announced the opening of an investigation after the blunder of Standard & Poor's last night, the rating agency has mistakenly sent a message indicating a degradation of the triple A French before denying the information two hours later.

On the currency markets, the euro has regained some ground. The European currency changes above $ 1.36, above the low of 1.3484 in one month.

After a marathon day yesterday crisis between the euro area and global economic issues, the G20 continues this Friday at Cannes. Nicolas Sarkozy, master of ceremonies, will have his hands between preparations for the final communiqué and placed under international trusteeship of Italy instant payday loan.

"Reliving the day Thursday

Cloud computing brings new giants

Everyone uses without necessarily knowing it, cloud computing, cloud computing, provided mostly by U.S. companies. Facebook, Hotmail (Microsoft) and Gmail (Google), the new Apple icloud are cloud services for the general public. The user accesses the service from anywhere in the world from a mobile or a PC, provided you have an Internet connection. The information is provided on request.

The same goes for companies. With the crisis, they turn to cloud computing. Instead of investing in their own equipment, they buy at the request of their storage needs, software and calculations.The cloud is "a fresh approach to IT services," says Nathaniel Martinez, analyst research firm IDC.

To make these services available all the time and safely, most of the groups IT and telecoms involved in this transformation. Amazon, Google, Microsoft, Rackspace, IBM and HP are some of those actors who provide services or equipment.

"We're always interested in personal computers, smartphones and tablets. But we want to provide end to end solutions for businesses. The global market for information technology is 3000 billion per year and no company in the world carries 10% of this total, "said Michael Dell, CEO of the eponymous company.

With more PC, Dell follows a strategy similar to that of IBM.The group is building data centers and specialized solutions, including one opened in France for the distribution sector.

No company shall, alone, all the elements of the chain terminals, telecommunications network, operating systems, applications, servers, storage equipment and security software. They come together and buy the skills they lack.

Monday, Oracle acquired RightNow, $ 1.43 billion to complete its offering in the cloud applications. In storage, a battle was between market Dell to HP to purchase 3Par, won by HP. Dell fell back on Compellent. In this area, IBM, HP and Dell that are facing specialists EMC, NetApp and Hitachi Data Systems no fax payday loans.

VMware ally of Orange

For its part, the U.S. has become a giant VMware. Its market capitalization reached $ 40 billion.Size gained through solutions that optimize business costs. Its software is used to reduce the number of servers to a client company and deploy multiple applications running on the same computer. "Partner Orange to sell its solutions to French companies, the alliance is a competitor of that formed by SFR and HP," said the expert, IDC. His opponents are Citrix, IBM, Microsoft and Oracle.

In specific applications for cloud computing, Salesforce thrives on its software paperless which is a kind of Facebook for business teams. Its potential is considerable. Its market capitalization reached 17 billion dollars, almost ten times its revenues.It confronts, in this niche, Sugar CRM, Oracle, Microsoft and SAP.

Faced with the immense amount of data created and stored, ordering specialized publishers and analyze the flow of information. IBM, MicroStrategy and SAS Institute, for example, allow a better understanding of user profiles and to predict their behavior. Amazon, Facebook, Google and Microsoft can then better target their marketing campaigns.

"The problem with cloud computing is not as data security, but the protection of privacy," said Vivek Kundra, the former CIO of the federal government of the United States Obama Administration.

However, the software security to the cloud adjust such Symantec, McAfee or Kaspersky. Finally, the major telecom equipment manufacturers such as Cisco and Huawei, want their share.In short, the entire landscape of information technology is transformed.

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Spinetta and Juniac at the head of Air France

The war of positions that settled for months at the head of Air France KLM, in view of the succession of the CEO Pierre-Henri Gourgeon, should find its outcome brutal Monday.

Reportedly, the board will meet to start RECORDED Pierre-Henri Gourgeon. In office since 2009, the executive director of the group pays two things. On the one hand, his conflict with the chairman of Air France-KLM, Jean-Cyril Spinetta, and on the other hand, the disappointing results of the company. "He did not totally unworthy, but a change in governance was necessary at the time of uncertainty hovering over the company and the industry," says a close case. No comment was made Sunday at the headquarters.

Overhaul of the governance

The departure of Pierre-Henri Gourgeon will be accompanied by an overhaul of governance.Jean-Cyril Spinetta back in service by chairing executive of Air France-KLM. The owner of the historic French airline, the architect of his marriage with his Dutch counterpart, never far away from its management. In addition, Juniac Alexander, former chief of staff Christine Lagarde, will be named him CEO of Air France. A key post in the new organization which eventually opens the way for the management of all Air France-KLM.

After months of controversy within the Board and the Company, the Nominating Committee consists of four directors (Jean-Francois Dehecq, Patricia Barbizet, Jean-Marc Espalioux and Cornelis van Lede) has finally agreed on the name 'Alexander Juniac, under the watchful eye of the state, which owns 15.7% of the group.Ironically, the former right hand man was the candidate pushed by Pierre-Henri Gourgeon, opposite Jean-Cyril Spinetta, who advocated an internal solution. Indeed, this lively debate which had laid bare the tensions between the two leaders of the company.

The new organization, which will be confirmed Monday, also intended to bring Air France-KLM in a position to face its difficulties. The latest quarterly (April to June 2011) revealed an operating loss of 147 million euros. Back into the red after one brief year of profits. Since then, the situation was still tense, so that the group launched in early September a new savings plan. No figures have been officially announced, but it evokes a range of 700 to 800 million euros.The specific measures should be adopted at the end of this month.

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Spain is in the focus of agencies

New blow for the euro area. After Fitch, it was the turn of Standard & Poor's to break down a notch credit rating of Spain, which changes to "AA-". The rating agency also maintains a negative outlook on the country. In other words, a further downgrade of the country can not be excluded.

The agency believes that financial services' growth prospects are uncertain "because of" increasing risks "facing the economy. The agency referred in particular to "the incomplete reform of the labor market will continue to hinder economic recovery." In the view of S & P, Spain could fall into recession next year, with GDP expected down 0 guaranteed pay day loans.5%.

The fragility of the financial system is also the Achilles heel of the fourth largest economy in the eurozone.S & P is concerned and "a probable further deterioration of asset quality of the Spanish financial system."

The agency also questioned the budgetary targets of the Zapatero government. The Spanish public deficit forecast at 6.2% of GDP for 2011 could be exceeded. As for reducing the deficit to 4.4% of GDP in 2012, it will not be possible without "additional measures".

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Apple resists the action notwithstanding the death of Steve Jobs

"The news of my death are greatly exaggerated," joked Steve Jobs when Bloomberg had his obituary published in error in August 2008. Nevertheless: the stock market, Apple had lost the title on the day 2.42%.

Announced tonight the death of the charismatic leader will Apple does the same concerns in the markets? It is no surprise to Apple's shareholders. The charismatic leader had prepared his departure, giving the reins of his company to Tim Cook. But his death marks indeed the end of an era for the firm at the apple.

Thursday morning, investors still seem uncertain: New York, the title is almost stable at the opening to 377 dollars (-0.33%). But in Frankfurt, where the action is also listed, the decline is more pronounced: just after 12 o'clock, the title loses 2.75% to 272.51 euros after touching a low of 270.50 euros.

The title after the stand 4S iPhone

Steve Jobs as a CEO was not like the others. Associated with the image of the company he co-founded, he was also in stock bad credit personal loan lenders. Apple has become the first in the world market capitalization, elbow to elbow with Exxon Mobil.

As Steve Jobs made Apple, Steve Jobs's health was reflected in the title. Suffering from cancer since 2004, the group leader had to leave several times, until he left there just over a month, on August 25. Each announcement related to his health problems, the markets feared for the future of the group and the title suffered large fluctuations.

Two days ago, the title fell by 5% during the session along with the presentation of the 4S iPhone. The latest version of Apple's flagship phone, slightly different from the previous one, was disappointed the markets, hoping to iPhone 5.But the title was returned to the balance at the end of the session and finished on a moderate loss of 0.56% to 372.50 dollars. Sign that investors want to believe in the capacity of Tim Cook to keep the group at the top.

Public debt reached 1.692 trillion euros

French public debt continues to swell. It increased by 46.4 billion euros in April-June, peaking at 1.6927 trillion euros, INSEE reported Friday. This represents approximately 86.2% of gross domestic product, that is to say, the wealth generated by France in one year.

The state is primarily responsible for this increase. His contribution has indeed increased in the second quarter of 52.6 billion euros. "This is essentially its long-term marketable debt," said INSEE. Clearly, these are bonds issued by the state to investors and repayable on a long horizon (ten years). However, local governments have reduced their debt by 2.7 billion euros, and the government social security declined 2.3 billion.

Loans to Portugal and Ireland as part of the bailout in the euro area weighed 2 credit report.4 billion euros (1.6 billion for the first 0.8 billion for the second). Conversely, the French car manufacturers have paid up to € 2 billion loans at the height of the crisis, in 2009.

Reduce government debt returns to stop a ship at full speed. The effect of inertia is such that it takes time-years-in order to stop its progression. The government intends to reduce the amount of debt in the coming years. It will peak at 87.4% of GDP at end 2012 and to decline 87.3% in 2013, 86.2% in 2014 and 84.1% in 2015.

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More than 200 cities in Ile-de-France to screen

Capital has become expensive, the Parisians are more likely to succumb to the charm of the suburbs. Consequently, the prices of old apartments (June 30) have soared over 15% year on year in the inner suburbs, with peaks of 20.5% in Courbevoie, + 20.3% in Montreuil, + 19% Boulogne-Billancourt, + 18.4% in Maisons-Alfort … Increases that will not last forever, however, predict notaries, holding that the creditworthiness of buyers is not without limits. In outer suburbs, the increase was over one year wiser (+ 7.2% for older apartments, 6.4% for houses), sufficient in all cases to clear the hole in 2009. But in the second trimester 2011, the market for old apartments fell by 0.7% in Seine-et-Marne, 0.8% in the Essonne, 1.3% in the Val-d'Oise .. . One department in four, Yvelines, remained in the green (+ 1.7%).The beginnings of a turnaround?

"Selling price of old houses in the second quarter of 2011 (Part 1) (pdf)

"Selling price of old houses in the second quarter of 2011 (Part 2) (pdf)