Business World |

1) Analyze your current complementary health

If you are employed, you get maybe a complementary health, proposed by employeur.Si after your examination you find it unsuitable for your needs do not hesitate to purchase one additional complementary health ……. . 2) Identify your needs and your budget

Before you start, ask yourself what kind of care you need it most (dentist, glasses, general practice) and identify your medical habits. Indeed, you do not need the same insurance company if you see doctors contracted to 70% reimbursed by Social Security or doctors to free fees.

3) Find and compare

Take time to learn about the different types of contracts. Please note that refunds of medical expenses range from 100% rate of Social Security, up to 300% thereof.

4) Seek advice from a health insurance broker

The health insurance broker acts as an intermediary between you and the insurer. It will help you in your choices, while allowing you to access the best rates and insurance that best suits your needs.

5) Pay attention to waiting periods

The waiting time is practiced by some insurance companies after your subscription. During this period, some services are not covered by the insurer. Do not hesitate to negotiate for the minimize, or even to choose the practitioner does not mutual online pay day loans.

6) Be wary of health questionnaires

The questionnaires are sometimes used by health insurers to overcharge or exclude one or more benefits considered too "risky". Prefer mutuals who do not use.

7) Wear an eye on the guarantees Dental-Optical-Hospitalization

These guarantees are often three parts of the first requirements of the insured, and are at home that we observe the largest price changes and benefits based on mutual.

8) Look care not covered by Social Security

Indeed, many mutual support services not reimbursed by Social Security. Thus, vaccines, consult a psychologist or treatments to stop smoking can sometimes be covered by complementary health.

9) Prefer Refunds indicated clearly

Some insurance companies are unclear on their actual repayment rate. Always prefer mutual indicating these black and white.  

10) Evolve your contract

Regularly take the time to redefine your budget, your needs and expectations of health, and give yourself the opportunity to change your contract. It will always be easier if you go through an insurance broker.

ALSO READ:

"Health Insurance: what's changing in 2012

"Health insurance: care abroad

SERVICE:

"Buddy up a free health insurance advisors.

Under cash advance loan facility borrowers are not required to fulfill tedious faxing process.

 

If you want New York to live differently, then run to the Frieze Art Fair. Exciting and refreshing, this brand new contemporary art fair was modeled on its sister London that takes place in October, just before the FIAC in Paris, in Regent's Park fast payday loan no faxing. It really comes out of the box because it takes the visitor far north of Manhattan, on an unknown island, but accessible by ferry, bus or taxi.

Randall Island which hosts the Frieze Fair. Photo credits: FRIEZE ART FAIR NEW YORK

Presidential in major cities Paris | Leeds | Lyons | Toulouse | Leeds | Sheffield | Liverpool | Bordeaux | Lille

 

The war between the Galeries Lafayette and Casino about their joint venture Monoprix changes dimension. The two shareholders clash since January on the valuation of 50% held by Monoprix and Galeries Lafayette: 700 million euro under Casino, 1.95 billion according to the owner of department store chain. The battle now drift on managing and Monoprix on its pricing policy.

Jacques Dumas, counsel Jean-Charles Naouri, principal shareholder and CEO of Casino, sent an April 17 letter to Philippe Houze scathing, president of Galeries Lafayette and Monoprix CEO. He criticized "an excessive increase in food prices" at Monoprix. The price index of the sign, which compares its rates to the market average (set at 100), rose from 107.7 at the end of first quarter 2011 to 110 a year later.

"This abnormal increase explains a significant share of the increased turnover of Monoprix end of March 2012 (+5.9% yoy) and corresponds to the bulk of the growth in operating profit in the same period," according Casino, which accuses her partner of "sharp to distort fair assessment" of Monoprix.

Pointing to the risk that rising prices does escape the consumer and leads to lower sales of the profitability of Monoprix, Casino Philippe Houze asked to "give instructions to stop such practices and ensure a normal management Monoprix" . Clearly, "Monoprix must return to an index of 108 tariff, as provided in the medium-term plan established in November," decrypts a spokesman for Casino.

The group Saint Etienne "will implement all actions necessary to safeguard the interests of Monoprix and its shareholder rights" against the Galeries Lafayette, prevents mail. In 2007, Casino revoked leaders Franprix and Leader Price, accusing them of having raised prices to give him a high price for their minority interests in these signs.

Monoprix group will choose a side

Philippe Houze's entourage speaks of "baseless accusations" and ensures that the increases, required in July by Jean-Charles Naouri, date from the summer. Casino considers that the increase, justified initially, was too strong and it continued beyond the reasonable in January.

In a few weeks, the Commercial Court of Paris will examine the respective assignments of the two co-shareholders of Monoprix. Galeries Lafayette blame their partner to hinder the evaluation process of their 50% stake in Monoprix, Casino accuses his partner of having refused to let the end of March to Jean-Charles Naouri President of Monoprix, as provided for their shareholders.

Mail Casino is a part added to the defense and the prosecution of the group against the Galeries Lafayette. But it will impact the management of Monoprix. Officially, its chief operating officer, Stephen Maquaire, placed a copy of the letter of Jacques Dumas, retains the confidence of its two shareholders. But he must choose sides or not returning to an index rate close to 108.

ALSO READ:

"Monoprix Casino decided to buy at the right price

"" We are ready to buy Monoprix "

"Casino and Galeries Lafayette, Monoprix conflict

 

The former trader Jerome Kerviel, who was sentenced in 2010 to a record loss of Societe Generale (SocGen) of nearly 5 billion euros, Friday filed a complaint for "fraud in the judgment" against his former employer. Kerviel Societe Generale accuses of misleading the Paris criminal court in not informing him that she had recovered, thanks to a French tax scheme, 1.7 billion euros on 4.9 billion that she believes she lost because of financial transactions undertaken by the trader.

At trial, in October 2010, the former trader was considered solely responsible for the loss suffered by the bank in early 2008, in a financial crisis. Convicted of embezzlement, forgery and using false and fraudulent introduction of data into the computer system of the bank, he was sentenced to five years in prison, three strong, and damages of four colossal, 9 billion euros.

The complaint is filed "for a simple reason," namely that Societe Generale "has failed to say she had received a sum unduly from the tax authorities of $ 1.7 billion euros, "said his lawyer David Koubbi in Europe 1. In a statement released in the evening, Societe Generale said "take note" of the complaint and announced that it "has asked his lawyers to sue for false accusations in the shortest possible time." SocGen also argues that it "will present its case at trial on appeal."

"Fictitious transactions"

According Koubbi Me and some accountants, the bank should not have this deduction because its systems of control of traders like Kerviel had found wanting in this case high quality business cards.

The lawyer asked last week to the French Parliament to establish a commission of inquiry into the tax rebate obtained in 2008 but he had not been reported during the trial of Jerome Kerviel. Shortly after the first verdict, news reports had revealed that the bank had taken advantage of a device that enables companies to benefit, in case of extraordinary losses, a tax deduction of up to one third of the amount lost, or the normal tax rate for corporations. SocGen had explained that the "tax treatment of losses related to fraudulent activities of Jerome Kerviel was done transparently, in accordance with tax regulations."

The former trader also said that Societe Generale has made fictitious transactions similar to yours at the same time. Interviewed by Europe 1, David Koubbi explains: "We discover in the quite extraordinary volume of documents comprising the record that there is a document where it says that Societe Generale has made itself" of "sham transactions ( …) before January 18, which is the last day that Mr. Kerviel was on the premises of the General Society, and then subsequently, on January 21, 2008, when he was not on the premises of the General Society ".

The appeal of Jerome Kerviel, 35, will last from June 4 to 28  

ALSO READ:

"SPECIAL REPORT: The Kerviel affair

 

Vincent Bolloré influence he soon the fate of Vivendi? Anyway, Jean-Rene Fourtou, Chairman of the Supervisory Board, opened the door. And will even wish his presence. "There is no reason that Bollore is not involved on the board of Vivendi, if he is interested," he said Thursday at the general meeting of shareholders of the group.

Intentions of the "Little Prince", which began rising in the capital of Vivendi, are at the heart of all searches. Bolloré officially 1.1% of the entertainment group, but it would have already picked up on the stock exchange securities for up to nearly 2%. After finalizing the sale of its channels Direct 8 Direct and Star in Vivendi, he will own approximately 4% and would then make its debut on the board. This rise is "friendly," said Vivendi every time. "I am delighted that a French shareholder, a family group, deemed an investor wishes to mount a share capital of Vivendi", was recently confirmed to Le Figaro, Jean-Bernard Levy, CEO of Vivendi.

And no doubt that Vincent Bolloré not stop there way. Eventually, he would seek the threshold of 5%. Does he repeat not at will, for years, his ambition to create a large media group? By becoming the largest shareholder of Vivendi and participating in strategic decisions of the group, it would be in a position to influence the destiny of the only French group, which is a world of entertainment. It could also help choose the future leaders of Vivendi.

Bring into the fold of Havas Vivendi

As the capital of Vivendi is very fragmented, with no shareholder, Bolloré could obtain decisive weight without having to own a large block of shares. As he did at Havas, which he chairs by not holding "only" 32.8%. One of the scenarios considered by the observers would, moreover, that Bolloré Havas brings into the fold of Vivendi, in exchange for participation, without spending a lot of cash.

The time was well chosen, while the price of Vivendi, has less than 13 euros, has lost more than a quarter of its value since the beginning of the year. "In the 2000s, all valuations were excessive, we experienced a kind of madness market. We live it the other way today, even though we have never had such good financial results, never reached as much cash, "said Jean-Rene Fourtou.

At Vivendi, more assets may be of interest Bolloré. Canal +, of course. But also SFR, including Jean-Rene Fourtou said she would remain "largely beneficial despite the arrival of Free Mobile". Telecommunications devices can be particularly useful in boss Autolib ', because there are many in the telecom management system and localization of the electric car self-service. Finally, Morocco Telecom, which holds several equity in Africa, can generate synergies with the Bolloré Group. Strong presence in logistics in Africa, Bolloré manages ports, railways … It may be wise to develop telecom. Add to this the fact that Jean-Rene Fourtou and Vincent Bolloré get along well. As for Jean-Bernard Levy, he is the former chief of staff … Gerard Longuet ex-brother-Vincent Bolloré. Such an alliance would have three advantages. It makes sense from a strategic perspective. It could have a positive effect on the course. Finally, it could offset the rise of sovereign wealth fund of Qatar, which owns 2% stake in Vivendi.

ALSO READ:

"Bolloré Vivendi on the lookout

"Levy:" We see customers back Free Mobile "

 

In computing, employment resists. According to forecasts by the Association for the employment of executives (APEC), the companies in this sector should recruit about 30,000 officers, as much as last year. Figures in line with those reported recently by Digital Syntec, professional organization IT services, software and technology consulting firm which focuses on "stability of recruitment in 2012" with the key more than 3500 new posts of which 80% of hiring managers and 35,000 in total. Despite a slowdown in growth, the sector remains a prime source of jobs for graduates: over half of the recruitments are for beginners or young engineers with less than five years experience.

Certainly, the lack of visibility is not conducive to economic euphoria. Currently, some larger customers put pressure on IT companies to lower prices and many projects are deferred. But at the same time, emerging markets draw activity and create jobs, especially for well-trained engineers. "These new deposits carriers include home automation, security or e-learning," says Philippe Tavernier, president of the Social Committee at Digital Syntec. Projects around mobility and modernization of information systems are also powerful engines of growth.

Impact of "cloud computing"

The "cloud" would be the most promising market. A new El Dorado for the employment of engineers? Régis Granarolo, president of Munci, a professional association of computer scientists, is a downside: "The cloud can probably create employment through the development of shared services, but it leads to losses due to outsourcing and the decrease in specific projects. Ultimately, the balance will be positive if the cloud goes heavily in SMEs and takes place in France and not through outsourced jobs. "

One thing is certain, the Internet continues to generate employment, particularly in start-up or well established web agencies. Ekino, the technology subsidiary of media group Fullsix, wants to recruit thirty engineers in 2012, mostly through job creation, to follow a strong growth poor credit personal loans. Developers 'front office', Java architects, engineers, computer scientists as PHP … that the company will most often seek out specialized schools. "Profiles so they asked are upping the ante on wages, laments Angel Michelozzi HRD Fullsix. Currently, existing courses do not produce enough of Internet developers. "

Consulting in SI, companies are also struggling to find the skills. For Neoxia, an SME with 50 people recruited fifteen engineers per year, these difficulties can be partly explained by a lack of appropriate training. "In general, curricula are five years late, sorry its CEO, Gilles Mergoil. If they can agree with the CAC 40, which are the last to adapt, they do not match the requirements of start-ups more advanced technologically. "

This "shortage", the employers also create themselves by finding all the same profiles of young engineers, rather, from the same schools and talent of communicating. "The skills are the foundation techniques, but the decision will be made on cross-curricular competencies, such as a sense of teamwork, listening skills, adapting to the culture of the company," said Francois Adoue, Director of the trades of the Internet. According to Bruno Fadda, associate director at Robert Half International, "the engineer of the Web, version 2012, must be strong technically but also have the marketing culture to meet clients' communications problems. A rare pattern. "

ALSO READ:

"Literary scholars too have a place in the company

"Saffron hiring, including in France

"These engineers who play the card industry

SERVICE:

"Job offers in France and abroad with Cadremploi

FOLLOW THE INSTRUCTIONS ON FIGARO:

"Twitter: @ LeFigaro_Emploi

 

Nostalgic for 7 on 7, the emission of TF1 mythical 1980s and 1990s, will closely follow the two election night of 22 April and 6 May 2012 BFMTV. They gather Anne Sinclair, current director of the Huffington Post website France, and Ruth Elkrief, the editor of the news channel. Anne Sinclair was presented 7 on 7 September 1987 to June 1997. After retiring from the small screen, the show, renamed Public, was presented by Ruth Elkrief from 1998 to 2000.

This is Anne Sinclair herself who suggested to Alain Weill, CEO of NextRadioTV, the parent of BFMTV, to attend both evenings, confirms the latter. "Many of these talents will come together on two evenings BFMTV," he adds.

18 am to midnight, special editions of April 22 (first round of the presidential election) and May 6 (second round) will be led by Alain Marshall, host of "20 hours" on the news channel. It is surrounded by two great figures of the chain Olivier Mazerolle and Ruth Elkrief, faithful since the launch of BFMTV on TNT in 2005.

Anne Sinclair will discuss some of the columnists on the board including Alain Madelin, Luc Ferry, Dély Renaud, Eric Brunet, Jacques Seguela, Jean-Francois Kahn, Caroline and Christopher Fourest Jakubyszyn, the managing editor of the RMC radio, other NextRadioTV subsidiary.

Organizing publicity stunts

The partnership between the Huffington Post and BFMTV France is practically limited to the presence of Anne Sinclair easy payday loans. The site will broadcast the images of BFMTV well, but not participate in the device's web news channel.

Despite a plateau prestigious BFMTV no exception to the calling with "a priority to live in the campaign headquarters of various political parties and a priority to images," said Alain Weill.

The arrival of Anne Sinclair on the set of BMFTV is one of the "success stories" in which the chain is familiar. For his first presidential campaign in 2007 BFMTV, whose hearings were still confidential, was observed by organizing the debate between Ségolène Royal and François Bayrou between the two towers.

In seven years, the small chain of information has emerged in the French media landscape. Created from scratch in 2005, today it is the first in France with an audience share of 1.6% in February, according Médiamétrie. An audience twice that of its rival on DTT, i-TV, a subsidiary of Canal +, however, created in 1999.

The third news channel, LCI, TF1 subsidiary, has no occasion to interfere in the match as it is broadcast on DTT, cable and satellite.

ALSO READ:

"Public broadcasting, the big loser of the TNT

"Alain Weill, called the Buzz Media-Orange Le Figaro

"Tops and flops of political programs

 

"2011 was a very good year. The outlook is quite favorable for 2012. There will still be strong growth, "said Jean-Paul Herteman Wednesday, Chairman of the Group of French aeronautical and space industries (Gifas), which comprises almost 300 companies large and small. Last year, orders were up 17% to 53.9 billion euros thanks to the success of the Airbus 320neo, ATR regional aircraft and engine that equips the Leap 320neo Airbus A, B MAX 737 C and 919 Chinese Comac. They represent four years of production.

The sector remains the leading French exporter with 23.5 billion euros export. 77% of its consolidated turnover. Research investments represented 15% of turnover (38.5 billion euros). "They have never been higher. Innovation is the key to success, "said Jean-Paul Herteman. But some sectors are faring better than others. The turnover of the space industry is stable at 4 billion euros. The defense is uncertain.

As the United States and other European countries, France will reduce the budget for the armed. "The impact should be spread over time," commented Jean-Paul Herteman. He believes there is a strong consensus among political leaders of all stripes to preserve the defense industry and its dynamism.

In aerospace, Airbus, Safran, Zodiac and other businesses benefit from the good resilience of global traffic, which continues an upward trend. The low-cost airlines equip themselves. The American buying aircraft consume less fuel as the Airbus A 320neo guaranteed personal loan approval. "In business aviation, you feel a slight shudder," noted Jean-Paul Herteman.

Carbon tax: "Europe can not isolate"

Despite a promising outlook, the aviation industry has struggled to find the staff they need. It has certainly increased its workforce last year in France from 3.2% to 162,000 employees. They recruited 13,000 employees and 4500 apprentices trained, but she could hire more. SMEs do not attract young people. They suffer from a lack of awareness.

To change this, the sector can now train apprentices in a large group and one of its subcontractors. But this measure will not suffice. "There is a problem of supply and demand. The offer of Education Is at our request? I do not think so, "said Thierry Voiriot, chairman of Aero-SME Gifas.

Another difficult issue: the decision of Europe to impose since 1 January a carbon tax on airlines around the world. This has caused a tremendous outcry. China is threatening to freeze orders 55 Airbus (our editions of March 31). Anxious to avoid a trade war that would penalize the French aerospace industry, President Gifas regret that Europe has made this decision unilaterally. He called for a solution is found at the international level. "Europe can not isolate themselves," said Jean-Paul Herteman.

ALSO READ:

"In crunch TNT, UPS imposes global leader

"ADP picks ten airports in Turkey

"Welsh leaves EADS successful 2011

 

What companies are doing to manage the "assholes" rotting the lives of other employees? They have their eyes on their economic performance, they advocate the dynamism and innovation to develop, but they show very little "attentive to these toxic personalities", who happen to be an unnecessary cost but very real for their s Finance boxes?

Deliberately provocative, "Target Zero asshole," the book by Robert Sutton, professor of management at Stanford, in any case a fixed cap at which leaders would be wise to look at things in front. "The assholes are costs that do not appear in cost accounting, but take stock of their damage is not so difficult," he says.

Robert Sutton, it is urgent to act because "they swarm." "All companies should adopt the Target Zero asshole because these people inflict considerable damage to their direct victims, organizational performance, but also to themselves." Increased stress and risk of heart attack among those who are victims, increased absenteeism and surge in turnover. Professor Stanford has even delivered a calculation of what costs such as employees at a company: it comes to adding a "for asshole" of $ 160,000 per year!

But what to do to achieve this "Goal Zero asshole"? Here are five recipes by Robert Sutton.

• Choose the right people. Assuming that "hire other assholes assholes," Robert Sutron, suggests that they deviate from the recruitment process or to involve also "civilized people".

• Identify employees pourrisseurs room and spend their time bully and harass others. To achieve Robert Sutton has listed what he called "their twelve nasties" daily. There are pell-mell "personal insults", "threats or intimidation," "humiliation or public reprimands," "hypocritical attacks" ….

• Limit their power to harm. For example by reducing the hierarchical boundaries or too large wage differentials that give them a sense of power and feel like superstars.

• Protect yourself. "The best and safest way is to keep you as far as possible from people and places contaminated by the virus," writes Robert Sutton. If this is impossible, since it's boss that he is only one solution: change the box.

• Be careful not to become "asshole" self. Robert Sutton, we are all "assholes" in power. Then you try not to treat colleagues as competitors and build instead a "win-win exchanges at work."

Obviously the method advocated by Robert Sutton has found its audience. Published for the first time in the United States in 2007, he has sold over 475,000 copies (all languages). It has just been reissued, proof that there is still work to overcome the assholes at the office.

ALSO READ:

"When the work overflows, privacy suffers

"It's the crisis, but leaders are less stressed

"Your manager is there a little chef or a great boss?

SERVICE:

"Job offers in France and abroad with Cadremploi

FOLLOW THE INSTRUCTIONS ON FIGARO:

"Twitter: @ LeFigaro_Emploi