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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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The "march of steel" arrived in Paris

Blast furnaces Florange the Eiffel Tower, it took them a week and a half walk. The steelworkers ArcelorMittal steel plant in Florange (Moselle), left foot on March 28 of Lorraine, arrived Friday afternoon under the Eiffel Tower. The end point of "the march of steel" to "defend their jobs with people."

The 17 walkers, unionized or not, have traveled over 300 km and symbolically ended their march at the foot of the "Iron Lady", made of steel of Lorraine. "Guys, this is who?", They started showing the Eiffel Tower. "To us," responded in a heartfelt cry from the hundreds of employees to join the marchers.

After traveling their last stage, between the Place de la Republique and the Champ de Mars, the steelworkers came to forming a row, holding each arm, all dressed in orange windbreaker. Other employees have come from the Lorraine ovation. On a placard that read "the shadow of death of the steel industry, more than 3,000 jobs lost in Lorraine, Luxembourg and Belgium."

A concert was scheduled for early evening including Bernard Allison. According to police headquarters, from 4 to 500 people gathered at the foot of the podium. "The sides arrived," "Steel Lorraine will live", had earlier chanted the marchers Republic Square.

"Human Adventure"

One of them, Rudy Crestani, retired Florange 61 years, said "human adventure" experienced by the Steelworkers. "The idea was to fight to save our endangered plant and thousands of jobs. We had an extraordinary sympathy of wind and we realized that our struggle far beyond the borders of Florange, this jewel of the industry, "told AFP Edward Martin, CFDT delegate.

"Many French people are recognized and have had to say:" We're all ArcelorMittal power ", because although the company ( business cards design…) is competitive, it is not even enough to keep it running, since all these ayatollahs finance believe that it is always cheaper, "he said. The marchers slept in gyms, party rooms, received encouragement from anonymous.

Nicolas Sarkozy attacks

The previous visit of steelworkers in the capital in mid-March, had led to clashes with the police when they wanted to go to the campaign headquarters of Nicolas Sarkozy. Since the president candidate has blamed union leaders Florange, attacking the "permanent CFDT" who "betray the trust of employees." "The unionized workers are not full?, Edward Martin replied Friday.

For Alain Gatti (CFDT), "the movement was hyper-responsible" contrary to what was suggested Nicolas Sarkozy accusing the CGT and CFDT union officials to be "come (s) to insult and try to break (his ) campaign headquarters. "

By engaging their showdown in late February to keep maintaining the site and some 2,500 IDUs, including several hundred are now partially, the unions had promised to make Florange "the nightmare of the government" if the two high- furnaces in the steel plant, dormant for several months, were not given a prompt start.

This standby, "the death warrant of the site," they say, is only temporary and ensures ArcelorMittal due to global demand for steel at half mast. After "broken promises" of Nicolas Sarkozy in 2008 in neighboring Gandhinagar-industrial site finally closed in 2009 – Florange has become a political battleground, also involving trade union representatives.

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The French retailer is accelerating its expansion Kusmi

Champs-Elysees, Fifth Avenue … This is the new playground for Kusmi, the French retailer of tea bobo to conquer the urban working women and 30-50 years. Bought in 2005 by Sylvain Orebi, former dealer in cocoa and coffee, this old brand founded in the nineteenth century Russian wants to move up a gear. "We want to be the first premium tea brand in the world, and we give ourselves the means, the goal being to exceed 100 million by 2015", against 17 million in 2011, said Sylvain Orebi.

Kusmi, which covers over 25 million euros this year, intends to dethrone Mariage Freres, which has emerged as the champion French high-end tea. His credo: to succeed in the tea brands that Illy or Lavazza coffee in the. "There is no comparable success in the tea sector, said Sylvain Orebi, which imposed its colored metal boxes and does his decaffeinated tea Detox a bestseller. We very much rejuvenated the image of tea, with an affordable brand and shops where they can enter easily. "Positioning different from Mariage Freres with its servers in white gloves.

Kusmi now accelerating the creation of its network, focusing on the development of its own boutiques, alongside corners in department stores (BHV, Galeries Lafayette …) and selling fine foods and Monoprix. It has thus, according to our information, to rob the beard of his main competitor's future location on the Champs Elysees to open in July. Located at No. 71, between Nike and Ladurée, it will bring international visibility.  

Drinking tea

Her store of 250 m2 will include a tasting area called "tea bar" with pies, cakes and cookies made on site. "This will be the flagship for Kusmi foreshadowing what could be our shops in the future," said Sylvain Orebi. A concept that will also declined in the new shop on Avenue de l'Opera, which will open this summer.

His ambitions do not stop at uptown Paris. Kusmi also landed in malls, Saint-Lazare in Confluence (opening today) through Beaugrenelle, inaugurated next year. After Bordeaux, Toulouse and Strasbourg, it also provides a twenty openings in the province by 2013. Finally, he put on the outside the home to establish its reputation. It has just been chosen by the Barrière group to appear in the map of his breakfast. The international not currently represents only 30% of its turnover. But Kusmi goes fast. It could open this year in London and Milan. After New York, where he will open a second store this summer at the Plaza, it targets California.

The crisis has not dried up its funding sources. Sylvain Orebi, whose company has been profitable since two years, has raised € 7 million over three years via Audacia, the investment fund chaired by Charles Beigbeder, who owns 31% of Kusmi. After taking a 50% Laura Todd cookies via Orientis, the holding company co-owned with his brother, he wants to continue investing. He is looking for acquisitions in the fields of sweet delicacies, ice cream or cakes.

The flying car passed his first test flight

Reality is catching up a little more science fiction follows the success, yesterday, the first test flight of a flying car. The U.S. company Terrafugia has announced that its prototype small plane that runs on the road with folded wings flew for 8 minutes.

The vehicle called transition could well be marketed within a year, said the company whose name is Latin for "escape from land". The group's founder, Carl Dietrich, believes that the dream of many motorists is now within reach the steering wheel! "With this flight, our teams have demonstrated their ability to make real what was until now considered an impossible dream," he said.

The vehicle is expected to cost 279,000 dollars (213,000 euros). The company said that the new materials and a computer aided design used to reduce the price and weight of these vehicles to make them more accessible. More than a hundred copies have already been pre-ordered as well.

Failure of previous attempts

Moreover, the model approved in the U.S., has a range of 787 km and a width of 2.3 m version of the car can park in a garage classic. Once the wings, the model is 8 meters wide.

A track of 762 meters is necessary.

Eurozone: agreement to a firewall 800 billion

The seventeen countries of the euro reached an agreement Friday to raise 500 to 800 billion euros their "firewall" against financial crisis. Germany has dropped the ballast, but the compromise is far from meeting the expectations of the European Commission, IMF and OECD.

The envelope, which represents a theoretical capacity of loans, includes three components: 500 000 000 000 ahead for the European Stability Mechanism (SPM) which will be launched in July, 200 billion already committed by the temporary fund established in 2010 (EFSF) and 100 billion in loans already spent or pledged various EU.

This elaborate structure – and perhaps questionable because it mixes future and past – allows everyone to say it held its position. For Germany, it was essential to avoid having to raise the ceiling of the MES to avoid another vote in the Bundestag payday loan. Wolfgang Schäuble, the favorite in the race for the presidency of the Eurogroup, but agreed to keep alive a year for the EFSF, which temporarily inflate the pot.

In contrast, those that grew as the French Baroin a figure of around 1 trillion, did not get satisfaction. Discussed in Copenhagen, the project of an additional tranche of 240 billion to be used "in exceptional circumstances", has disappeared from the final declaration of the Eurogroup. Here too, Berlin has been successful. But the question remains the strength of the new firewall in the event of a major financial accident, involving, for example Spain or Italy.

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SNCF will pay 400 euros to its railway

The State is not the only one to benefit from the largesse of the SNCF. Society of French railroad will indeed pay its railroad a "wage dividend" of up to 400 euros gross to net income for the year 2011, according to the CFDT. This premium, which amount is adjusted according to the time spent in the company in 2011, will be paid on the payroll of March. "The management announced this evening (Thursday) that it would pay to the CFDT from the results of 2011, a dividend of 400 euros gross wage for employees of the company," said the union. An amount that could be much greater than that paid last year because the railroad had received 76 euros. Thus, if the CFDT "welcomes" the payment of a dividend to employees, it "regrets the randomness of its payment" because the amount differs from year to year.

In fact, the group's results do not explain this surge fast cash. Group profit accuses indeed a decrease of 82% to 125 million in fiscal year 2011. A cons-performance however be explained by asset write-downs of 840 million euros, 700 million under its TGV. Last year, operating margin, favored by management indicator, soared 41.2%, to 3.02 billion euros. As for sales, it rose 7.2% to 32.6 billion euros.

But despite mixed annual results, the company unveiled at the end of 2011 the payment of a dividend "record" in the state, said the CFDT. The draft budget 2012 Railway Group provides for a payment of 230 million euros. An amount that should be reinvested in the renovation of the rail network, the government promises.

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"The station will pay a record dividend to the State

The Council of State suspended the execution of the decree of September 29 on the sale prices of natural gas, the institution announced on Monday. Gas prices are definitely a real headache for the government. Enact increases in the order of 4 or 5% per quarter is difficult to six months of a presidential election, particularly in times of crisis. So the government there decided by a ministerial decree of 29 September, to freeze the rates for individuals instant credit report. This price stability followed that decided on July 1.

"The Minister of Energy is preparing a new tariff order to be consistent with the decision of the State Council," responded late Monday afternoon, the firm Eric Besson said in a statement.For their part, competitors (Poweo, Direct Energy, Altergaz, Gaz de Paris) grouped in the association had also applied to the anode highest administrative court, in proceedings for interim relief.

Philip Hall, the new boss of Altran, promised to refocus. It does this. Friday, the board of the technology consulting group examined the future of its subsidiary, Arthur D. Little. Among the different scenarios studied, the sale of the consulting firm strategy its leaders holding the rope, according to our information. While the managers of the subsidiary offer for months to redeem, Altran, assisted by Messier Maris & Associates, contacted several consulting firms, BCG at Monitor Group through Sia, to explore alternatives.

But these tracks did not result: competitors were primarily interested in the brand Arthur D. Little, well known, at the same time alienating the teams.A complex equation, in a world of service where the value of the firm is keen to its consultants.

Altran, which publishes this morning's quarterly revenue, could take the opportunity to announce the opening of exclusive negotiations. According to the proposed scheme, the group would agree a loan managers to its subsidiary, deficit in 2010, so they fund the recovery. To secure this commitment, the brand remains the property of Altran until the loan is repaid. This will result in a depreciation in the accounts of the group. Until this summer, it hoped to sell its subsidiary to 70 million euros. The transaction amount will be much less. Altran in 2002 had bought the European operations of U.S. giant Board Arthur D. Little. This acquisition has not been successful due to lack of synergies between parent and subsidiary.In the first half, the group has cut 39 million the value of Arthur D. Little in his accounts. Contacted by Le Figaro, Altran declined to comment.

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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The world is concerned about the European blocking

The gap is struggling to fill. France and Germany continue to tear publicly on the best "firewall" to oppose the euro crisis, watched dumbfounded from their European partners, but also the United States and China. On the first day of a series of ministerial appointments and European Summits crucial for the common currency, Paris has once again pushed the idea of ​​using the ECB "because it has the firepower necessary "to contain the contagion, they say the French side. Angela Merkel has hammered his refusal, when approaching a new crisis meeting with Nicolas Sarkozy in Brussels tonight. "The road is closed to appeal to the ECB to ease liquidity problems" in Europe, said the Chancellor before its elected coalition in Berlin.

The impasse before a double peak of the euro Wednesday and Sunday, beginning to worry the rest of the world."The impact is disastrous outside (…) We do not really an example of leadership that works," commented the head of the Eurogroup Jean-Claude Juncker, before presiding over a first camera finance ministers on Friday afternoon.

Chinese and American impatience

Washington and Beijing in particular sounding the alarm. The Chinese leadership did not like the cancellation of a summit Tuesday in Tianjin with European leaders, due to repeated conclaves in Brussels. Premier Wen Jiabao has called on the EU "fundamental reform" of its finances and fiscal policy, the agency official New China. "This requires political courage and determination unparalleled," he added, as if he doubted it.

The U.S. government, intervened with the Europeans at every turn of the crisis, also expressed his impatience check cash advance.Barack Obama spoke by video conference with Nicolas Sarkozy, Angela Merkel and British Prime Minister David Cameron on the night of Thursday to Friday. According to the White House, Bush insists that a European response to the crisis is effectively implemented before the next G20 summit in Cannes, November 3.

Franco-German dispute

Multiply the firepower of EFSF, the bailout fund for countries in difficulty, is the key weapon in the euro area to raise her two other challenges: reducing the burden of crushing debt on the shoulders of 11 million Greeks and persuade banks to beef up their capital in order to overcome the market turmoil. Nicolas Sarkozy and Angela Merkel agree on the diagnosis.But France, worried about its budget deficit and a valuable "triple AAA" prefer tap into the existing European funds, starting with the ECB.

Germany, also sensitive to the separation of powers as inflation risks, refuses anything resembling a crisis by printing money in Europe. Friday, Paris and Berlin were still camped "in very different positions," lamented one European official. The inflexibility of Angela Merkel, attested as early as Wednesday during a one-on-one with Nicolas Sarkozy in Frankfurt, had its effect. The European Commission and many of the countries of the euro is already a cross on a direct involvement of the ECB together with the EFSF. To work around the obstacle, the European experts worked Friday to a "new palette" of instruments, including greater use of IMF already applied at each stage of the crisis.