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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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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The center is operated by EDF Penly low interest rate personal loans.

The European carbon tax causes coughing sector of the European air. Corroborating sources, and six Airbus airlines are head wind against the tax for the European fight against the emission of carbon dioxide, which is theoretically in force since 1 January 2012. This tax, imposed on all companies operating in the EU whatever their nationalities, for a total of nearly 4300 companies, and would cost 705 million euros for 2012 those involved in the air around the world.

The aircraft manufacturer Airbus and the airlines British Airways, Virgin Atlantic, Lufthansa, Air France, Iberia and Air Berlin have thus associated to "alert" on "economic consequences" of this tax, in letters to the heads of the French government, German, British and Spanish. French equipment Safran and German MTU would also be associated with this outcry.

These groups believe that the application of the tax threatens "inadmissible" for the sector as it could revive a trade war with China, but also with the United States and Russia, the Financial Times. The protagonists also challenge "the unilateral nature of this measure and require" the establishment of a general discussion with all stakeholders within the ICAO, "the Organization of International Civil Aviation, told a familiar with the matter told AFP.

In fact, China has threatened trade retaliation at the expense of Airbus, said Thursday the group EADS, parent of Airbus. Beijing could well cancel orders for 45 Airbus (10 A380 superjumbo and 35 long-haul A330) amounting to several billion dollars. The freeze order would represent a potential shortfall of $ 12 billion for Airbus, according to the catalog prices. More than 2000 jobs would be directly threatened by the Financial Times. But so far, the EU refuses to yield, saying Friday that it stands ready to respond to any discriminatory provision in Beijing.

The French did not splurge for the foie gras in the last Eve. Unlike 2010, good vintage in the Hexagon (4.5 vol%, 3.3% in value), they have limited their purchases last year. If sales increased 4.8% in value to nearly 1.9 billion euros, the volumes are almost stable (+1.1%), knowing that three quarters of consumption are at holiday season. "In 2011, the market held up relatively well in a period of declining consumption," comments Thierry Blandinieres, owner of the trademark Delpeyrat, No. 3 market. "This is reinforced on the poorest segments of the market premium, as the whole," added Jacques Trottier, general manager of Labeyrie, the market leader.

These good results in value is primarily explained by higher prices, by about 5%. Producers have partly reflected last year the rising cost of agricultural raw materials, grain head. Meanwhile, they continued the growing range of products, flavored with foie gras or the old recipes. Positioning that allowed Labeyrie and more at Delpeyrat-making a record year (14% by volume, 28% in value) – to win market share.

Reluctance of distributors

Nevertheless, the year 2011 marks a halt after two years of growth in value and volume, boosted by the expansion of supply and initiatives of the profession to start the season earlier. For three years, the Saint-Martin was awarded the honor in November. Actor Gerard Darmon was requisitioned for the ad campaign in radio. Partnerships with chefs and TV shows ("MasterChef" TF1) were signed. In hypermarkets and supermarkets (50% of sales of foie gras), the increase put forward by radiation and the presence in the prospectus has largely contributed to the increase in sales (+4.5% on 2009 season and 3.3% on the 2010 season).

But in 2011, the operation has not had the desired effect. "It seems that some distributors did not believe, because of the crisis, that consumers would buy as much foie gras as the previous year," said Pierre Couderc, CEO of Euralis (Montfort, Rougié). The highlighted were much more cautious. This has impacted sales (-14% by volume in November), as this is part of impulse buying. Many consumers have preferred to postpone their purchases at the last moment.

For 2012, the caution given the uncertainty in consumer confidence. Although calm on the forehead of raw materials should limit price increases in radius. No question as to increase production capacity. At Delpeyrat, we will not put more ducklings on the market this year, while their number increased by 4% in 2011. But companies who are pleased to have won new customers over the last five years (the rate of purchasing households jumped by 7.7 points from 41.5% to 49.2%), keep the course of the sophistication of their products. "The consumer has a sufficient level of maturity today to enjoy a wider range of products," promises Pierre Couderc.

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"Our credibility implies the success of our monetary policy to anchor inflation expectations in the medium and long term (…) to sustain growth, job creation and financial stability. And we make this contribution in full independence, "insisted Mario Draghi.You must not wait any longer. "

Mario Draghi anticipates a decline in inflation

In his statements on Friday, the President of the ECB also said it expects a weakening "in most advanced economies." Specifically, "in the euro area, downside risks to the outlook have increased, and activity weakened moderate the pressure on prices," he added. One way, perhaps, pave the way for a new lower interest rate in December. In early November, the ECB has declined by 25 basis points (or 0.25%) to 1.25%.

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Investors had eyes turned to Europe, where each new about the problems of sovereign debt is analyzed carefully. Like yesterday, the news that Rome had asked Beijing to make significant repurchases of its sovereign debt, has indeed done so. While Italy has been completely denied the reports, the fact that China could get involved gives some confidence to operators.

Similarly, another new fueling hope the five emerging BRIC (Brazil, Russia, India, China, South Africa) should discuss next week the opportunity to assist the EU in turmoil the debt crisis. They could increase their holdings of bonds denominated in euros.

Finally, the announcement of a conference call Wednesday between Greek Prime Minister George Papandreou, French President Nicolas Sarkozy and German Chancellor feeds market recovery. Some investors have been dreaming of sensational announcements.

The United States involved

U.S. operators, such as Europe and Asia, remain very concerned about Greece. They fear it will not be able to meet these budget commitments, which threaten to bankrupt the country and aggravate the crisis in Europe.An output of the euro in Greece is also now considered by many economists.

This morning Jean-Pierre Jouyet, chairman of the Financial Markets Authority (AMF), said on iTV that Greece may have to undergo further restructuring of its debt than expected. German side, Angela Merkel is trying to catch up about his Economy Minister Philipp Rösler, who spoke Monday the event of a default of Athens.In a radio interview BBB, the Chancellor found it necessary to "avoid any uncontrolled process in the euro area."

The United States also stressed that they became involved in resolving the crisis in the eurozone, as the Treasury secretary, Timothy Geithner will participate Friday in the meeting of Ministers of Economy and Finance Union European Poland.

The U.S. deficit rises again

On the foreign exchange market, the euro was down slightly Tuesday against the dollar and the yen on Monday after falling $ 1.35 for the first time since February and the lowest for 10 years against the yen, and the voltage was strong, the markets fear more a possible failure of Greece.At the opening in New York, the European currency was worth 1.3673 dollars against 1.3624 dollars.

As for oil prices, they ended up sharply Tuesday, the market betting on a sharp drop in crude inventories in the United States, despite pessimistic forecasts of consumption of the International Atomic Energy Agency (IEA). On the New York Mercantile Exchange, a barrel of "light sweet crude" for October delivery ended at 90.21 dollars, up 2.02 dollars compared to the previous day.

On the macroeconomic front, the prices of imported products in the United States had started to decline in August, according to figures released by the Washington Department of Labor. The price index for the ministry declined 0.4% from the previous month, after rising 0.3% in July. This is its second decline in three months.It is lower than in June, where import prices have declined for the first time in a year (0.7%).

The fiscal deficit of the United States it is increased again in August after four consecutive months of decline, according to figures released Tuesday in Washington by the Treasury Department. The negative balance of public finances of the federal state stood at 134.152 billion dollars for the eleventh month of the fiscal year 2010-2011, 48% more than in August 2010, the ministry said.

Samsung attack Apple

The side of values, Hewlett-Packard (0.53% to 22.70 dollars) announced on Tuesday that 41.62% of the shareholders of Autonomy UK (1.63% to 39.85 dollars) had supported its bid.The U.S. group also announced it was extending its offer until Oct. 3.

The giant South Korean Samsung Electronics Electronicsa complaint in France against its U.S. rival Apple (1.23% to 384.62 dollars) for a litigation involving three patents relating to UMTS technology. "The complaint focuses on three technology patents, and not the design of the shelves," as was the case during a recent trial in Germany, said a spokesman for Samsung.

Rating agencies could worsen them. Moody's (3.29% to 30.46 dollars) has indeed said yesterday that it planned to degrade the note by the McGraw-Hill (3.01% to 41.471 dollars) has announced its intention to focus on rival rating agency Standard and Poor's division after educational activities.Fitch has already passed the act.

For his part Nordson Corp. (5.39% to 42.59 dollars) yesterday announced after the close had authorized a share repurchase program of $ 100 million.

Note also the U.S. internet group AOL (-2.47% to 14.39 dollars) has appointed a new editor for TechCrunch, the site of information on technologies he had bought in September 2010, after 10 days controversy over the fate of the former owner, Michael Arrington. The new editor is Erick Schonfeld, Associate Editor edited by Michael Arrington. AOL announced that Michael Arrington, founder of the site, decided to leave TechCrunch and AOL to devote to investment funds that it recently launched.

The Nikkei above the 3900 points

In Tokyo, the Nikkei, which started the day on an increase of 0.63%, jumped 1.18% to 9060.80 points at closing. It thus goes beyond the psychological barrier of 9000 points for the first time in two weeks. The technology sector is facing in the image of Casio (3.91% to 504 yen) and Kyocera (2.28% to 7160 yen). Sony (1.98% to 1698 yen) and Toshiba (0.90% to 334 yen) also support the rating.

In Hong Kong, the Hang Seng up 1.10% to 20,760.80 points, also pulled up by the technology sector. Foxconn wins 3.10%, 3.64% Lenovo, Alibaba.com 5.33% and 2.30% Tencent Holdings. The Shanghai Stock Exchange a little more concerned about risk tightning money while the government has reaffirmed it a priority to price stabilization. The Shanghai Composite lost 0.61% to 2829.41 points.

The Australian S & P gained 0 payday loans direct lenders.63%, the Korean Kospi is 2.10% and 1.59% of India Sensex.

China: good news macroéoconomiques

Also Thursday, the good news fell in Asia. The index of manufacturing activity in China reached the final 50.9 in August, against 50.7 in July. The first estimate of the index of purchasing managers HSB had reported a slight slowdown, with a flash PMI at 49.8 in August from 49.3 in July.PMI purchasing managers suggests that "manufacturing activity is stabilized despite the tightening of monetary conditions in the country and soft demand abroad," said Ker Chung Yang, an analyst at Phillip Futures in Singapore .

In Japan, new vehicle sales, excluding mini-models, were down 25.5% in August compared to the same month last year, to 216,510 copies.

In Australia, retail sales figures were stronger than expected last month, up 0.5%.

Oil up

Oil prices were also up Thursday morning in electronic trading in Asia. In morning trading, a barrel of "light sweet crude" for delivery in October gained 21 cents to 89.02 dollars per barrel of Brent North Sea crude for October delivery 29 cents to 115.14 dollars.

BBM is a service available only on BlackBerry brand phones, allowing users to exchange messages for free via the Internet, and not through the telephone network. Messages can be exchanged only if both corresponding to communicate their personal code (PIN) before.The interception of messages by a third party, or by the police is complicated.

The principle of BBM is similar to that of SMS, to the last detail BBM messages that cost nothing. One argument that has made the BlackBerry smartphone's favorite British adolescents (37%), according to a study cited by the Guardian. For The Urban Blog Mashup, taken by the Telegraph, BBM is very popular among young 'for three reasons: it's fast, it's free, and unlike Facebook or Twitter, the messages exchanged are completely private. " .

"The gangs have been using BlackBerry for organizing the riots"

"The device, previously reserved for businessmen and politicians, are now the preserve of thugs and young (…) through this application," says the Telegraph.The conservative daily notes and Mark Duggan, the young man whose death was the cause of the night of riots in Tottenham, had sent a message via BBM to his girlfriend shortly before being shot by police. "The message said: 'The cops follow me,'" wrote the daily.

"The gangs have been using BlackBerry for organizing the riots," says the Telegraph. A Guardian journalist is in the same direction, explaining that "many sources (him) confirmed that BBM, inciting to raid the town of Enfield, was heavily circulated on the BlackBerry network Sunday early afternoon noon ". The journalist claims to have read other messages about plundering six other districts in north London on Monday night. "There is no doubt that BBM is used to organize the violence."

The BBC website, he does not deny the use of BBM in the events of the weekend, minimizing its impact."While smartphones have helped those who participated in the riots, they were certainly not convinced those who were not interested to join rallies," writes the site based on the analysis of Dr. Chris Greer, Professor of Sociology and Criminology at City University in London. For its part, RIM, the manufacturer of BlackBerry phones, said Monday in the evening he would "cooperate fully with the Interior Ministry and the British police force."

British police monitors Twitter users

Scotland Yard warned on Monday that it would arrest any person to become involved in urban riots on Twitter. "Provocative and inappropriate messages were posted on Twitter" during the weekend, said the British police.The Times cites several messages such as "Everyone at Tottenham n **** the police, I hope that there will be a dead tonight" (the message has since been deleted).

For its part, the Telegraph has collected pictures of rioters and that of a young man posing in front of several games he had stolen during the violence. "Do you know? Send us an email if you have any information, "wrote the site, without specifying for what purpose he seeks to know the identity of these people.

And private sector rescue of Greece would not stop there. Banks will also be put to use to buy Greek bonds, Die Welt wrote, without giving details on the form that such involvement.

Inspiration German

The inspiration may have been drawn in Germany. The country will charge, this fall, a tax on the profits made by banks.The result of this tax into a fund that will support aid to financial institutions of the country considered strategic if next crisis. This tax should bring in less than a billion euros a year to the fund and should eventually have a volume of 70 billion euros. In detail, the large diversified institutions, like the first German bank Deutsche Bank, will pay more than small savings. The levy will be capped at 20% of net profit.

The question is whether this idea will be adopted at the Special Summit of the euro zone expected Thursday in Brussels. The bloc meet urgently to complete a new plan to help Athens. The International Monetary Fund will not participate in new rescue package for Greece, says Die Welt.According to the German newspaper, "many people have the IMF in ras-le-bol" and seriously doubted that Greece can carry out and the time-saving measures planned.

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