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iOS 5 and icloud: updates to the iPhone

Serious competition from Google's Android, Apple gave Monday a facelift to the iPhone. Surrounded by a cohort of leaders, CEO Steve Jobs introduced from San Francisco, California, the new version of IOS, the operating system behind the iPhone, iPad, iPod touch. This software, including a 5 iOS draft was made available to developers on Monday, will be available for the iPhone 3G, iPhone 4, iPad iPad 2, and the latest iPod touch here in the fall short term personal loans. Here's what we can learn from this presentation.

Devices iOS archive their data on Wi-Fi and 3G. Photo credits: Kimihiro HOSHINO / AFP

EDF and Areva on the alert

Less than four months after the catastrophede Fukushima, Germany decided to phase out nuclear power within ten years. A few days ago already, Switzerland announced the non-replacement of its nuclear plants, which meant the arrest of Atomic Energy in 2034. But this Monday is a heavy sounding the end of a business. Of its 17 reactors, eight have been stopped since the nuclear accident in Japan and will not be reactivated, and most will no longer be in service by the end of the year. As for operators of these reactors is anger. German groups RWE, EnBW and E. ON, and the publicly owned Swedish Vattenfall, challenge this decision, particularly because of the continued consideration of a tax on nuclear fuel, while it was intended to remove it.The two main actors, RWE and E. ON – which operated 13 reactors – dropped by 2.07% to 19.60 euros and 40.18 euros at 2.06% shortly after the opening of the Frankfurt Stock Exchange. For Bernhard Jeggle LBBW analyst, their profits will plunge by 6 to 11% per annum for the next few years.

Thus, Germany must find ways to cover 22% of its electricity needs are currently covered by its atomic plants. Already, from Fukushima and stopping, a total of eight power stations, Germany has had to draw electricity from abroad. Thus, since mid-March, electricity imports from France have doubled. In this context, EDF is positioning itself quite well.Certainly, last December, the electrician had to leave Germany by selling its 45% equity stake in EnBW, but at its last meeting, a few days ago, Henri Proglio insite on strategy internationalization of the group, with a significant increase in installed capacity of 200 GW (gigawatts) in 2020 – against 132 GW Gross in 2011.

A decision "purely political"

Except that the French group, which intends to become the first French electric utility in the world by 2020, intend to achieve by building in easy payday loans… nuclear. However, the German decision is a strong message against nuclear energy. And if France does not seem to lead to a shutdown of Atomic Energy – the G8 in Deauville, France has sought to weaken the safety tests in Europe – the pressure on the government could still rise.Echoing the lack of visibility facing the sector, EDF shares were down 0.67% in early trade on the Paris Stock Exchange on Monday morning. At GDF Suez, the title lost 0.49% at 25.30 euros in a market uptick (+0.15%) and displays with EDF, one of the largest decreases the Cac 40.

Finally Areva, the beginning of the session was extremely volatile for the first day of trading in its shares. President Anne Lauvergeon, whose term expires at the end of June and that the issue of succession is not always avoided, says the German decision is "totally political" and did not rule out a reversal of situation by the deadline. Meanwhile, Areva has suspended its quantified for the year 2012, ie a turnover of 12 billion euros and an operating margin in double digits, after the nuclear disaster in Japan.But "the group could benefit from stress testing of units in operation worldwide, investments to improve security that plant operators will be obliged to fund," according to analysts at Natixis, and that new contracts related to the closure of units across the Rhine, or even new orders for third-generation reactors.

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Gap suffered rising cotton prices

For Gap, the trading session which opens at the New York Stock Exchange will be very difficult. The clothing giant tumbles 17% in opening bell on Wall Street Friday. Gap said Thursday after the close that its annual results would be "significantly" worse than expected with a first quarter reported net income 23% lower than a year ago (233 million U.S. dollars) particularly impacted by the disaster on March 11 in Japan, the year already seems wrong party.

For the remainder of the year, Gap's performance will mainly be sealed by far outweigh the cost estimates on which was based management. "The group now expects that production costs per unit are 20% more expensive than anticipated in the second half of this year," said Glenn Murphy, the owner of Gap, in a statement.And even the price increases passed on its products will not help. Thus the net profit per share forecast for 2011 is now between 1.40 and 1.50 dollars, 1.88 to 1.93 against dollar before.

The cost increase is attributable to that in cotton. Pound of cotton surpassed the dollar in September (+65% in total over the year 2010) and continues its surge in currently trading at $ 1.60, amid global demand is not falling face a production which has been beset by bad weather.

The profit warning, issued by one of the largest textile groups in the world should thrill the sector as a whole. Especially as other major brands like H & M, struggling not to pass on these higher charges on their prices.The impact could be even heavier.

Change of course at the Gap

In early May, the art, warmth director Patrick Robinson, 42, joined Gap. Whoever was working since May 2007 to provide the Californian label image sharper mode has been replaced by Jennifer Giangualano, senior vice president of design and infant child, who resumed the post in the interim. Or comparable to the "fast fashion" or the lucrative "second line", the world of jeans and, overall, the casualwear is in perpetual motion.

The arrival of Abercrombie & Fitch on the Champs Elysees yesterday in the form Theyskens Theory as the media and commercial success of the Japanese behemoth Uniqlo but also more trendy labels like J Brand or Acne … forced to revise its Gap Design course but especially its strategy and positioning.

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Unilever and Kraft share customer data

What common laundry between Skip, LU biscuits, liquid dishwashing Mir and Amora mustard? All these products are now part of the loyalty program "My Life in Colour", which just launched all the French subsidiaries of Unilever, the Anglo-Dutch behemoth of consumer products, and Kraft Foods, the giant of agribusiness.

By bringing together more than 60 brands in food, hygiene and beauty care of the house, the two companies will be able to reach 6 million French households. The issue is crucial for the industry. First, build powerful databases to improve knowledge of their end customers and do well against those distributors who have millions of contacts.On the other, consumers have with a direct and regular contact by mail and Internet-based information and discount coupons.

Loyalty programs launched in the 1990s lost momentum. Two years ago, Unilever took stock of its "To tell you the truth," launched in 1997 around thirty marks. The finding was unequivocal: it is increasingly difficult to emerge from the multitude of programs created by marks or competing groups as "Want more" Procter & Gamble, "Croquons life" Nestle or "Danone and you. " The attractiveness of "To tell you the truth," launched on the basis of a consumer magazine and enriched with a website in 2001, languished."Traffic growth was not enough, it lacked power," says Anne-Gabrielle Dangu, media and CRM Director of Unilever France.

In late 2009, the food group made the radical choice to sell his program to Publicis Groupe, responsible for finding other brands to strengthen it. However, Kraft Foods, which launched the program "suggestion box" for its LU biscuits bought from Danone in 2007, was seeking to launch a multi-brand. Publicis suggested the two groups together to create a common agenda. The pooling of their databases should reduce their costs while gaining attractiveness.

Nestle and Procter & Gamble align their data

The merger of Unilever and Kraft in the field of relationship marketing is a trend that is expected.Nestle and Procter & Gamble have already pooled their databases to send their respective print magazines in 3 million households. Each maintains its program for now, but both groups should soon announce a strengthening of their cooperation.

Will they go up to launch a single program? "You have to purchase a plate large enough to sustain a multi-program," said Viola Degas, CEO of OgilvyOne. The only approach to food no longer seems sufficient to capture the attention of consumers, already watered copiously on the Internet for revenue and cooking tips offered by sites like Marmiton.

The price of gasoline is still beating records

The weeks go by and look for drivers who can only see the rise of gasoline prices in their service stations. Last week, the price of a liter of unleaded 95 has thus reached 1.5492 euros on an average calculated by the Directorate General for Energy and Climate (DGEC) throughout the territory. The unleaded 95 and beat his own record of 1.5469 TTC, the previous week. For its part, the unleaded 98 also registered a record 1.5861 to 1.5849 against euro per liter euro the week ending April 29.

Only the diesel appears to decline. For the third consecutive week, its price fell to 1.3453 euros per liter on average, far from its high in May 2008 to 1.4541 euro.

Prices at the pump, however, vary greatly from one city to another.According to the website carbeo.com, some gas station attendants already impose price close to € 2 advanced by the boss of Total, Christophe de Margerie. This is particularly the case of two service stations in the 16th arrondissement of Paris and Lilac (enSeine-Saint-Denis), who sell a liter of unleaded 98 to the price of 1.89 euro.

Christine Lagarde is awaiting a report

Oil prices have tumbled in the markets, however, due to a fear on the strength of the U.S. economy. The price of a barrel of U.S. light crude for June deadline ended last Friday in decline on the New York Mercantile Exchange, to 97.18 dollars, down from 2.62 dollars. For the week, the WTI has lost 16.75 dollars or about 15%, its biggest weekly decline in percentage terms since the week to December 19, 2008 when prices fell by 26.8%.Expressed in dollars, fall is the highest since the ratings began on the Nymex in 1983.

The movement was identical to London where the price of Brent at the same maturity have finished Friday at 109.13 dollars a barrel (-1.51%). For the week, the price of Brent crude fell by 13.3% or 16.76 dollars a barrel, their currency depreciation in the sharpest ever recorded.

"The oil companies and distributors have pledged to pass immediately to the pump every drop of oil prices", said Minister of Economy Christine Lagarde on Monday."I asked the Directorate General for Consumer, Competition and Fraud to give me a report early next week and be extremely attentive to changing prices," she warned .

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A Chinese man puts his hand on Saab

New twist in the soap Saab. The automaker based in Sweden could eventually be bought by Chinese Hawt. The latter plans to invest 120 million euros in exchange for a maximum of 29.9% in the mark, says a press release from Saab issued following an agreement signed in Beijing Tuesday. Hawt will also provide 30 million euros in the form of convertible loan with a maturity of six months and an interest rate of 7%. This will allow the company to pay its suppliers and boost its production to a standstill since mid-April. However, the group expects green light from the Chinese authorities, the European Investment Bank and the Swedish National Debt Office.

"This agreement provides funding in the medium term and consists of an investment in the form of subscription agreements totaling 150 million euros, and a strategic alliance to China including co-generation companies, technologist and distribution, "said Victor Muller, CEO Spyker, owner of Saab. "With clean diesel technology Hawt, its production capacity and its ambitious development programs, we found the right partner to develop Saab," he added easy payday loans.

Former Russian shareholder rejected for now

For now, no details are given about the fate of the former shareholders of Spyker, the Russian businessman Vladimir Antonov and friend of Victor Muller.Last week, the Swedish Debt and General Motors, Saab's previous owner, always very involved in group activity, have approved its proposed $ 30 million stake in Spyker to take a 29.9% interest in Saab. This investment should be made through the financial group Convers controlled by Antonov. The decision was rejected by the Swedish government for suspected ties to the Russian businessman with organized crime.

Choosing Hawt is a surprise for analysts, as several big Chinese manufacturers, including Great Wall Motor Co., China Youngman Automobile Group Co. and Jiangsu Yueda Group Co. have applied for the acquisition of Saab.Founded in 2000, Hawt, Small Business Beijing, has an annual production capacity of 350,000 vehicles, 300,000 engines also produce clean diesel per year and 450,000 automatic transmissions.

The Livret A could reach 2.5% in August

Encouraging news for investors. After an increase from 1 February – he was then increased from 1.75% to 2% – the rate of the Livret A could rise again this summer. According to economist Cyril Blesson interviewed by the daily newspaper Les Echos on Friday, is expected to reach 2.25% or 2.5% to 1 August.

To make this forecast, the founder of Cahiers de l'Epargne based on the mathematical formula used to determine the remuneration of the booklet and is applied twice a year (February 1 and August 1). Furthermore the level of interest rates, this calculation takes into account the increase in prices. However, for several months, inflation is back and the pressure on energy prices would feed into the next month.

This likely further increase will certainly confirm the French interest in what remains their preferred placement.After a bit snubbed the Livret A in 2010, they have overwhelmingly chosen in early 2011 to place their savings payday loans in 1 hour. Between January and March, the booklet has attracted 7.38 billion euros, against only 5.58 billion euros for the full year 2010. This brings to 202.4 billion euros, the total of the Livret A. Meanwhile, life insurance, the other investment popular with families, should instead suffer from uncertainty that hovered on Taxation. Early this year, the collection fell by 11% compared to January 2010, to 11.8 billion euros.According to Cyril Blesson the decline throughout the year 2011 could reach 12%.

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Customers, equal access to Internet

Customers should they pay more for their Internet access if they over-consumption of online video? Providers of Internet access they can slow the rate of subscriber connections that download on the Internet? No and no, slice the report of the mission on the neutrality of the Internet and networks, introduced Wednesday by deputies Laure La Raudière (UMP) and Corinne Erhel (CBC) Economic Affairs Committee of the National Assembly.

Anxious to "protect the Internet" in its current form, they detail the nine principles that should ensure an open Internet or "neutral" for Internet users. Proposals trenches that contrast with the approach of a "traffic control" as proposed by the Minister of the Digital Economy, Eric Besson.

The cornerstone of this report is the inclusion in the law, the principle of net neutrality.Its definition could be slipped in the Postal and Electronic Communications: "Capacity for Internet users to send and receive the content of their choice, or use the services to run applications of their choice, connecting the equipment of their choice (…) with a transparent quality of service, adequate and nondiscriminatory. "

The report also estimates that only obligations of a judicial or security must justify blocking access to the Internet. Therefore, access to file sharing sites should not be blocked upstream. "The network would not be neutral if the peer-to-peer was degraded," say the MPs, because peer-to-peer is used both to pirate music or movies that innovation as Internet telephony Skype.This does not apply the law to hackers.

Participate in financing

It does not include the principle of network neutrality into law, it is still necessary authority to enforce it. This authority could be the policeman telecom Arcep or judge. The authority will be particularly responsible for preventing telecom operators to restrict access to Internet content. The report wants to "reserve the term Internet access to only deals with the principle of neutrality."Thus, a mobile operator could no longer sell "unlimited Internet packages" when consumption is limited for example 500 megabytes per month or if it refuses to install applications like Skype Internet telephony.

If equal access to the Internet and is ringfenced from the Internet side, it remains to ensure services for publishers – video platforms, social networks, connected TV applications. For the service providers, the report proposes to "further reflection" on their participation in the financing of the Internet and network investment. He claims such a precise study of the costs of increased traffic on the Internet.Where appropriate, the report recommends that a mechanism by which sites get the traffic (such as YouTube, Google, Facebook, Skype …) are involved in financing networks by paying a kind of right of way. "It would stabilize the cost sharing of the network … and could encourage smaller players content," the report said. But it's a story at the European level.

McDonald's to the conquest of China

McDonald's has more than 32,000 restaurants in 120 countries around the world, serves over 60 million meals a day and employs 1.6 million people. According to recent estimates, McDonald's opens a new restaurant every three hours, two-thirds were born outside the United States.

In 1955 McDonald's opened its first restaurant in Des Plaines, Illinois. The concept worked so well that he started in 1967 exported to Canada and Puerto Rico. From 1988 to today, the company opened 80 new markets, more than 5 per year. In 1994 the big "M" was installed in more countries: 9! What makes some people say that the sun never sets on the McDonald's empire.

However, throughout its history, McDonald's has failed in one country. In late October 2009, the last restaurant closed in Iceland (the first was out of the ground in 1993).Not that the Icelanders did not appreciate its menus. On the contrary, but the business was not profitable because of the collapse of the Icelandic krona, which has weighed on prices of imports of potatoes, packaging, meat, vegetables and cheese.

Among the "stories" shock of McDonald's, we can see that it is Moscow that is the restaurant – 27 cases – the busiest in the world, with 40,000 customers a day guaranteed fast personal loans. So when the first McDrive opened in Kuwait City in 1994, there was a queue of 12 kilometers.

China, El Dorado McDonalds

China and its 1.4 billion people are dreaming Mc Donald's, intending one day to match its U.S. density, namely a restaurant per 20,000 inhabitants. In China, it would make 70,000 restaurants. For now, there are 70 times less.But McDonald's is growing there at a phenomenal rate.

Demonstrate its commitment to China, McDonald's issued in August last oblilgations denominated in yuan. A first for a non-financial corporation whose headquarters is not based in Hong Kong. The amount of the issue is not very high (30 million), but the operation is highly symbolic.

By focusing on a currency destined to become a reserve currency, McDonald's hopes to raise up funds to enable it to open between 150 and 175 restaurants in China per year. Already, sales of the brand in the Middle Kingdom are rising, as evidenced by the increase of 10.1% of its turnover in the country in July year on year.

The recipe for success

McWedding in Hong Kong. Photo credits: localhost / localhost