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Unemployed, mutual choose what?

Coverage through the mutual company

Since 2009, the law allows employees to unemployment benefit for 9 months of maintaining its mutual after her dismissal. The former employer continues to bear its part: it can contribute to a cost lower than most comparable personal contracts. This is an interesting solution for the short term if this mutual offers individual coverage. However, if coverage is "family" imposed and that the recipient is single, a mutual personal can then be cheaper.

Mutual sharing

If the spouse or PACS itself has a mutual group, you can usually be associated with it, sometimes even for free during the period of unemployment and no medical formalities. If it is a personal health insurance underwritten by the underwriter, the attachment is also possible, but will then undergo a medical questionnaire (often oversimplified).

Namely: companies often offer a discount of up to 20% on the second contribution.

Keep or take out individual mutual

Unemployment does not affect the mutual: the insurer can not exclude the beneficiary. It is recommended to note the change of status, it's part to provide information. Some also provide mutual free contributions for the period of unemployment of their members, subject to seniority and within certain limits. For those arriving after the hold period of hedging business, better not to wait until the last moment to buy, because of waiting periods.

What guarantee should you subscribe?

If it is not necessary to provide very high coverage on dental and optical period of unemployment, we must not overlook the medical expenses and hospitalization. If the new employer imposes a mutual company, it will then suffice to terminate this mutual personal at any time.

Note: the new mutual company may provide a waiting period. Better to wait until the end (and that of the trial period) to cancel his personal health insurance.

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 Le Figaro in France Today and The Cross up

The campaign for the presidential election held the role of a damper on sales of national newspapers in March, registering a 0.5% decline, according to data released Thursday by the OJD on the basis of returns filed by publishers with the supervisory body of the press. A title, however, now in France, the national edition of Le Parisien, is distinguished by showing an increase of 10.3%.

Le Figaro rose 0.7%

"The whole quarter was bearer, with an average increase in sales of 10.5%, says Jean Hornain, CEO of Le Parisien-Aujourd'hui en France (Amaury Group). The political course supported us, but other factors have played in our favor. Unlike most of our competitors in the regional daily press, we have maintained our selling price to 90 cents during the week, making our way one of the most competitive in the retail outlets. We are also less affected by the free press, which makes the very difficult market in Ile-de-France. "Today in Francea also benefited from the judgment of the paper edition of France Soir, last December. Two other daily progress. One year after the launch of a new formula "bimédia" of the cross paid the sales rose 5.7% in March and 1.6% in the first quarter. Over the period, the daily Christian Bayard said to have multiplied by eight the number of subscribers to his website-croix.com, whose traffic has won at the same time 19%.

For its part, Le Figaro, which remains the largest national newspaper with paid circulation of 342,731 on average, increased by 0.7%. Over the quarter, Le Figaro is stable at 0.2%. All other securities are falling. In March, The World down 4.9%, to 288,881 copies, and the sports daily L'Team (Amaury) of 4.3%, to 258,476. Release is stable, slightly down by 0.5%, to 122,444 copies, despite sales at (kiosks and newsagents) at high levels for the daily run by Nicolas Demorand. Echoes lose, for their part, 3.1%, to 121,889 copies.

Rise of digital

"At first glance, on sales in Paris, the impact of the campaign was less than in 2007, says an editor. However, it must wait to see the performance of securities regions for an initial assessment, but we did have an effect on sales numbers. "

Along with paper sales, electronic editions of national newspapers continue to grow at a healthy pace. Le Figaro including more than doubled sales of its digital versions by crossing the course of 6000 readable copies smartphones and tablets. This share digital broadcast reached, according to OJD, 5.6% for Libération, Les Echos, 6.9% and 8.3% for Le Monde.

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Le Figaro – Why this book?

Christophe Chaptal de Chanteloup – The elements of language management has always struck me and amused. However, this language becomes troublesome in times of stress: flowery and poetic, he is far from making abrupt dismissal and restructuring that we know. And the action is more brutal, more vocabulary is elliptical.

This shift is also embarrassing for those who lead the game for those who are its victims. I campaign for the use of simple terms: "I dismiss you," instead of "we urge you to consider a track external developments."

That reflects the use of these words?

They may reflect a lack of strategy: one says anything to occupy the space. Conversely, the strategy may be clear, but the manager did not dare express it because it is politically incorrect. Attenuate the words then a brutal reality, as the "backup plan for employment", which saves only the use of those left

free credit score online.

What are the risks of this fuzzy language?

The weight of political correctness, the fact of wanting to be inclusive of as many of the sensibilities and finally make the speech unintelligible.

By disconnecting the language of reality, that reality is no longer included. This practice is detrimental to individuals and organization, which in the long term, lose their bearings. By dint of saying anything, you end up doing anything.

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Organize elections costs 1 euro per voter

The time is in final preparation for town hall in France, before the presidential election. For the latter, the bill for the organization of these exceptional weekend will be more or less salty. According to the Association of Mayors of France, you need a budget of around 15,000 euros per day to vote for an average city of 20,000 inhabitants. "This represents about 1 per registered voter," said Philip Lawrence, vice president of the Association and Mayor of Sceaux (Hauts de Seine).

According to the latter, the bulk of this budget is absorbed by personnel costs unusually mobilized for the weekend of presidential and legislative elections. "On Saturday, the day before voting, employees adjust any polls that are often located in public buildings or classrooms. The number of desktop depends on the number of registered voters, knowing that it takes no more than 1000 voters for an office. In a city like seals, so they are 14 offices that are developed, "says the mayor of this town of Hauts-de-Seine. "Then the Sunday vote, you have two people permanently. That's two teams of two for a 12-hour day, which must be added the support staff to ensure that everything goes well. " At Sceaux, there are 100 municipal employees who will be on duty for each day of voting.

For them, the days are long lasting and beyond counting. But allow them to receive a specific payment. "This is the most expensive for the town hall. There are many volunteers in the office but their role is only to monitor, register voters, get them signed. Requires municipal employees on site, such certificates to those who do not have their voter registration card, "said Philip Lawrence.

The presidential ballots be borne by the State

These are not purchasing urns or damaged booths that make invoice salt. These are purchased from private companies such as Form XL, the leading provider of French municipalities. Meuse in this business, it takes 94 to 327 euros for a traditional ballot box and 213 to 425 euros for one to three polling booths in places. "These expenditures, investment in the budget of the city, are negligible and are amortized from one election to another," says Philip Lawrence.

So what is the state to relieve the town halls? The latter is involved in all these costs up to 2,500 euros, according to AMF. Prefectures establish "cost of assembly, composed of a fixed amount per polling station and an amount based on the number of voters," says one to the Ministry of Interior. The envelope stuffing and mailing of election propaganda (posters, leaflets, creed and ballots) to voters is the responsibility of prefectures which in turn mobilize staff or rely on outside providers.

The State shall also be responsible for printing and mailing of ballots to municipalities for president, according to the memento sent to candidates by the Ministries of Interior and Foreign Affairs. For legislative candidates and print their ballots may be reimbursed for these expenses if they obtain at least 5% of the votes cast in the first round. But the rules are strict: the paper used must contain at least 50% recycled or benefit "of an international certification for sustainable forest management." According to the Senate, the total estimated cost of the presidential election for the state and is estimated at 217.3 million euros. That of the general elections is estimated at 122.3 million euros this year.

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Free Mobile: FO takes a stand on employment

Concern is growing about employment in the telecom sector. Jean-Claude Mailly, general secretary of the Workers Force, wrote to Constable telecom (ARCEP), with a copy to Francois Fillon, a letter to "attract (his) attention to the impact of the fourth mobile license in the sector ". An appointment was set with the President of ARCEP, Jean-Ludovic Silicani next Monday late afternoon.

"Our fears are a large alignment with lowest social ultimately affect employees in terms of pay, job destruction and group benefits and more generally on the future of this branch , "wrote Jean-Claude Mailly. "The public authorities must establish as quickly as a regulated framework for preventing the destruction of jobs and preventing these abuses do not fall into place," he adds.

Concerns for call centers

End of March, in an interview with Le Figaro, Jean-Ludovic Silicani indicated that the sector "risks losing about 10,000 jobs in two years." But this destruction should be creating value, generating new jobs at Free Mobile first, but also in related sectors such as electronic commerce or the Web.

A macro view is far from convincing FO. "Our feedback from the field we are rather echoes of 30,000 job cuts on the entire industry," said Pascal Pavageau, FO confederal secretary in charge of economic and industrial.

Orange, SFR and Bouygues Telecom, destabilized by the arrival of a new competitor, of course, have interest in stirring the cloth of employment quick guaranteed personal loans. "Some may want to cry wolf. But we see that restructuring is already underway among operators: contracts are stopped, benefits with subcontractors shall be adopted, the new hires are canceled and call centers are now going abroad, " Pavageau said Pascal, even claiming that "3% to 7% of jobs in France are starting to be outsourced, mainly on call centers." In the medium term, the union also fears that the sector is no longer able to invest as much in development, innovation and research and development.

That is seeking its FO meeting with the regulator? "First, we want to immediately and quickly, from the regulator and the government, an overview of employment in the sector, says Pascal Pavageau. Second, we want the government obtain a commitment of four operators in the maintenance of employment in France and their investment opportunities. "

The union will even consider that Oseo or ISPs may be called on to provide funding, if necessary.

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The sports market covets commercial

The sports market takes shape. According to a PwC study, the activity related to events and sports clubs is 3.5 billion euros in France and the sector is estimated to grow 3.7% per year by 2015 (*).

Manufacturers, distributors, sports structures show increasing needs, including commercial. BTS MUC (management of business units) and DUT have flourished in this area and the area is muscle. The CESNI ESC Chambery launched its bachelor three years ago.

New programs

The NCPC will open his next term. In thirty years, this specialist trade training sport has developed some forty chains to bac + 2. "Our management bachelor of commerce sports meets an urgent demand from business managers in skilled, high scalability," says Gerard Pouet, general manager of CNPC.

To match the market requirements, schools can not do enough. At the School of Business Sports Management Amos, the third year of the bachelor is necessarily alternating and MBS (Master of business in sport) a six-month business. Sports Management School (SMS) has its first class bachelor's and MBA this year. "Our goal is to train our students in areas ranging from major retail clubs. The third and fifth years will pass half in business, "says Michael Tapiro, executive director of the school (EDC group). Best of all, every young person has a sponsor – elite athletes, club manager, a business manager in the sport … – which opens on the sector.

Distributors and manufacturers think global and act local. Last year, about 62 Decathlon stores open, 51 have been in Europe and beyond (China, Russia, India …). The courses are so heavily loaded with language, include seminars abroad, promote exchanges. The MSc in Sports and Outdoor Industry Management starting in September at EM Lyon will take place on its campuses in Shanghai and Europe.

The market will he integrate all the newcomers? "Supermarkets and manufacturers are fond of our bachelors and alternating with more than 75% are within six months of the school year," says Patrick Touati, director and founder of Amos. The bachelor's CNPC starts in Pau with 30 students.

The higher the educational level increases, the opportunities are reduced. The Idrac will open in September 5th year of a major "sports entertainment spectacle" and remains modest. Of the 25 students met in most, from 10 to 15 actually find an outlet in the world of sports, "other work in other areas but they will capitalize on the sporting image and the diploma," says the director of international program high school, Maxence Fontanel.

(*) Study on the PwC global market opportunities in sport, in December 2011.

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The soil will benefit from the wave "Made in France"

Regional producers of France chasing European labels. On 20 March the European Commission awarded the Protected Geographical Indication (PGI) in sea salt. "This is great news that we have awaited for a long time," says Gregory Pitard, president of the Association for the promotion of artisanal salt (Aprosela). To date, 191 French products – and some 375 wines – benefit from a PDO (Protected Designation of Origin) or PGI, a total of 1092 products. And forty cases are still awaiting a decision from Brussels, whose Livarot, mussels from Bouchut, Camembert de Normandie, chestnuts from Ardèche, rillettes of Tours or the Montbéliard sausage. "Producers voluntarily impose new constraints in their manufacturing process to protect their knowledge against usurpation and imitation," says the National Institute of Origin and Quality (INAO).

European labels have not only a protective role. "Over time, the IGP is a business advantage," said the president of the Aprosela. In fact, 42.3% of French people think that promoting products "Made in France" should be a priority in the presidential campaign, according to a study site Testntrust. "The geographic origin of a product is an important choice for consumers, although it is difficult to measure its impact," says Jean-Louis Benassi, director of the inter Unicid ciders. A view shared by Alexis Martinod Savoîcime director, representing the Tomme de Savoie. "Achieving the required level of quality has a cost that justifies the eyes of our customers, a sales price sometimes better than others," said he. For the INAO, "buying a local product is often a militant act because, in the spirit of the French, it provides a livelihood for local channels, or even a region where the context is sometimes difficult, as the Lozere or the Ardeche. "

Europe also protects Chinese garlic …

With these labels, producers sometimes enjoy support from the regions or departments to complete their development projects. Chain of Tomme de Savoie, for example, spends an annual budget of 25,000 euros to research. Regional producers can expand their markets. "Our products are particularly relevant to retailers," says Franck Pernot du Breuil, president of the inter Fraise du Périgord. In recent years, retailers have expanded their range by playing the card of the soil. Like with its Carrefour brand Reflets de France, or E. Leclerc Our Regions of Talent.

"Retailers often do not put forward our signature Fraise du Périgord because they want to promote their own brands," says Franck however Pernot du Breuil. "As a result, consumers may not know these labels and the qualitative approach they impose on our business." The boost from the European Union can also lead to unexpected setbacks. Last October, Brussels has angered producers of French, Italian and Spanish by registering as a PGI Chinese garlic Jinxiang Da Suan, facilitating the coup its import and marketing in Europe. Meanwhile, in France, smoked garlic Arleux still waiting for the distinction.

Quality labels and home: how to find

In France, nearly one in two farmers engaged in an official sign identifying the quality and origin. In 2010, these signs represented a turnover of 19 billion euros in the first market, according to INAO, which recalls the specifics of these signs guaranteed and recognized by the State: …… ..

• The designation of origin (AOC) means a product including all stages of manufacturing (production, processing and preparation) are made according to know-how in the same geographical area. For example, the St. Nectarios can not be manufactured in only part of the Auvergne from milk from the area.

• The designation of origin (PDO) is the European equivalent of the AOC. The name of a product is protected throughout the EU. Products that have earned this distinction, there is Chablis, Roquefort, Brie de Meaux, olive oil from Corsica or Bresse chicken.

• The Protected Geographical Indication (PGI) is a product whose characteristics are related to the geographic location at which occurs at least its production or processing according to well defined conditions. The ravioli of Dauphine, the Camargue rice and Bayonne ham are among the 107 products that have obtained the PGI in France.

• The traditional specialty guaranteed (TSG) is a European label that protects a traditional recipe. To date, no French product holds this sign, which was however awarded Serrano ham or Gueuze beer. The farmed mussels and Emmental filed an application with the European Commission in 2006 and 2011.

• The Red Label is a sign that French refers to products with higher quality compared to other similar products, thanks to their conditions of production or manufacture. This is awarded to agricultural and food products such as smoked salmon, chicken, cheese or sausage.

• Organic farming (AB) production method ensures environmentally and animal welfare. The rules regulating the organic production method are the same throughout Europe, and imported products are subject to the same requirements.  

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Fuel: rising employment pummel

What relationship between soaring pump prices and unemployment? According to economist Etienne Wasmer, Professor at Sciences Po Paris, of high fuel prices could deter some French to take a job: "Rising fuel prices, draping in the cost of traveling between home and work, could have a negative effect on employment. "

Difficult to say how many people are in this case. But it is possible to draw a sketch of the ideal victim of rising fuel prices. "It affects rather low wages, those who have little hope of earning more by working away," says Régis Bigot, Research Center for the Study and Observation of Living Conditions (documentary credit). In sum, the French low-skilled, paid at minimum wage, usually working part time.

Recession: Greece wants to believe she sees the end of the tunnel

The plight of Greece will not last more than two additional years. This is at least the promise of the Greek prime minister, Lucas Papademos. "I am convinced that we made more than half way to economic recovery, even if the fiscal consolidation process will take longer. Of positive growth rates should be achieved by less than two years, "suggests he in an interview with Financial Times.

This statement comes as Greece is to receive on Monday from the European Union an additional EUR 5.9 billion. This is the first installment of the second aid package of 130 billion euros granted to Greece in early March. This loan comes new monumental adjustment efforts on the part of Greece, such as lowering the minimum wage by 20% as the country had adopted earlier this year to convince its European partners to help new .  

Mea culpa European

For its part, the President of the Eurogroup Jean-Claude Juncker, made his mea culpa in the Greek press. "I think we did not sufficiently focused on the dimension of growth to the general problem of Greece. We especially emphasized the consolidation of public finances without giving alternative or leave the choice to Greece, the official said center-right daily Kathimerini. We have been hard towards fiscal consolidation, but very low in relation to the other important parameter, that of growth. "

Same story on the side of specialists missioned to Athens to recover the Greek state cheap credit report. "Greece has achieved something unique by testing the limits of what could accept and support people, said this weekend the head of the technical mission of the European Commission, Germany's Handelsblatt Horst Reichenbach. We will not forget. "These statements by European officials" let dawn a change of tone, "Analysis Jesus Castillo, an economist at Natixis:" Even if the strategy is led by the North, led by Germany, one can rejoice that growth is better taken into account to support structural measures very hard ".

Five years of recession

Greece entered its fifth consecutive year of recession. The International Monetary Fund (IMF) has revised downwards its growth forecast last week. He believes the country should emerge from recession in 2013, but he is expected to grow anywhere that year. Meanwhile, business is expected to decline by 4.8% in 2012 (after -6.9% in 2011) and the Greek State should continue its efforts to reform itself. According to the latest European Commission report on Greece, published last Friday, Athens has not made sufficient efforts to combat tax evasion and privatize public enterprises.

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Electric cars are trying to convince customers

For the second consecutive year, the price of the car of the year was awarded by a jury of European journalists in an electric car: the Chevrolet Volt, after the Nissan Leaf in 2011. The least we can say is that these awards recognize technology more than economic success. In the U.S., General Motors will suspend production for five weeks of its Volt. The U.S. has not elapsed in 7700 as last year, missing its target of 10,000 sales. Furthermore prohibitively expensive ($ 41,000 less $ 7,500 of assistance), the application has been hampered by a government investigation, while fires were reported several weeks after collisions. For its part, Nissan, whose activity has, indeed, was disrupted by the Japanese disaster, has sold only 22,000 Leaf in 2011 (including 2,000 in Europe). Figures he intends to double this year.

A drop of water compared to a global production

With tens of thousands of copies last year, this solution is a drop compared with a world production of 80 million cars. In France, only 2,630 electric cars were registered to individuals last year, representing 0.12% of the market.

After the electric Kangoo and Fluence, especially designed for professional fleets, Renault is launching his Twizy quadricycle, and fall, the Zoe, the spearhead of its range. The French put on the price of this car to democratize power: it will be offered at 15,700 euros (including the government bonus of 5,000 euros), which will be added monthly rental of the battery for 79 euros. 150,000 copies per year will be manufactured at Flins.

The group, which provides a market share of 10% for electricity in 2020, appears now more cautious about starting on a difficult European market. "We'll have to show persistence, even quiet. We do not know if the request will happen as quickly as desired. One thing is certain, the price of gasoline will continue to rise and, at a time, each billboard service station will become an advertisement for the electric vehicle, "predicted Carlos Tavares, head of Renault operational flexcheck cash advance.

Meanwhile, Zoe will reassure consumers that they are not likely to fail. For if this car has a range of 210 km certified, in real driving, it comes down to the summer and 150 km to 100 km in winter, with heating. This is why Renault is targeting commuters or provincial equipped with a garage, making every day from 40 to 50 km. The group considers that from 12,000 km per year over three years, it is more advantageous financially to own a Clio diesel Zoe.

Low self

Another obstacle, "in France, there is only one thousand charging points around, as he ought to have ten times more," said Thierry Koskas, director of Renault's electric cars.

Moreover, the Volt arrives this year in Europe as the Opel Ampera. "It will be interesting to see whether demand will be greater in Europe. But make no mistake, this is the first generation of the vehicle, we will need a second generation to continue to reduce its cost, "said Steve Girsky, vice president of General Motors.

Most other manufacturers are skeptical about the power. Toyota continues to focus on the hybrid, expanding its offering. "In 2011, we achieved 10% of our European volumes with hybrid versions. We expect this share to rise 14% this year, "said Didier Leroy, who started a small hybrid Yaris.

For its part, PSA Peugeot Citroën has invested on the hybrid diesel engine to power 3008, 508, DS5 and RXH. Only problem: these vehicles cost an average of 2500 euros more than the diesel version, including bonus of 2000 euros.

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