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The online banks will have to convince the French still reluctant. A BVA survey conducted for the Dutch bank ING Direct, four out of five French are not ready to transfer all or part of their funds in a bank online.

Requires close

The first reason given for their refusal is the need for closeness (89% of responses). Even if they are not all satisfied with their current bank, the French chose an institution primarily because it is easy to reach from home or workplace. Then (74%), fear of having no one to contact if problems or unexpected. Finally, the desire to maintain a customized report with a counselor is paramount for 68% of the 736 respondents with an internet connection … and 73% of them feel just as consultants online banks are unreachable.More surprisingly, the French fear the formalities of transfer of accounts and especially the closing costs from their current institution. But the closure of checking accounts are paying more since 2005!

Fresh lean

Yet the French recognize the qualities of online banks. Some like their fee policy on current operations or the free cards are recognized strengths. 35% of respondents spoke as a major factor in choosing a bank. The hourly range is also appreciated. That leaves working on customer relationship … ING, which currently has 750,000 customers in France, with 500,000 more expected within 6 months.

"See the BVA survey for ING Direct

"Online banking: Boursorama wants to" accelerate "

"It is first on the Internet that we follow his accounts

This is an example of a successful restructuring: nine months ago, Michelin announced its latest restructuring plan in France. A reorganization to enable the factories concerned "to undertake the changes necessary to ensure their sustainability," according Blehaut Frantz, director of Michelin France. At the cost of job cuts as the group is committed to "without resorting to forced departures.

Michel Rollier, co-director of the group, then stated that "the measures announced are not related to the crisis. To keep plants in France, we need to specialize and making them more competitive, "adding" will maintain a strong industrial base in France. The group also will recruit 500 to 800 people per year in France, over the next three years.

The restructuring implemented in 2009 are structured in two parts. A voluntary separation scheme which 1 875 employees responded.These are developments of late-career (early retirement pension). The second part concerns the consolidation of activities in three plants, with 1 093 job cuts. Among the employees concerned, "228 chose to go work in one of fourteen other sites Michelin in France, welcomes Blehaut Frantz. To facilitate this choice, the group has developed a wide range of mobility aids (removal assistance in finding employment for spouses …) . 516 employees are or will retire early – a choice that seems more in tune with the political time.

Helping conversion

Finally, "347 people have chosen a start, accompanied usually stay in their region," said Frantz Blehaut.In fact, these employees had no choice – unless you change the region – their post being deleted and, in the case of plant Noyelles les Seclin (North), their plant closed. However, they received severance pay of between 32 000 and 60 000 for the oldest with a plan to create business. Michelin has also established "career transition workshops, dedicated to the support of people leaving the group. A concept developed in 2008 when the plant closure Kleber Toul which had over 800 employees. This initiative includes the discovery of business recruiting. "We had set up workshops to discover the art of welding and industrial trades related to building, plumbing, electrician … And have some success." To date, 92% of the Toul found a job .Rather than support at arm's activities moribund better develop new ones where demand exists.

The NYSE has hesitated. It finally ended in the red on Wednesday. After rebounding said yesterday (1.52%), the Dow Jones lost 0.20% at 10,038 points. The Nasdaq lost 0.14% to 2148 points and the S & P 500 fell 0.22% to 1068 points.

The wait dominates before confirmation of support from the European Union to Greece. Investors await the meeting of European heads of state tomorrow Thursday after which a European financial aid for Greece should be announced. But doubt persists. "In another hour it was announced that EU countries have agreed in principle to a plan of aid to Greece and then they deny this information," says Patrick O ' Hare, the financial website Briefing.com.

The dollar begun to rise again against the European currency: 1 Euro 1.3732 U.S. dollar is exchanged.Raw side, the barrel of "light crude Texan" is 0.63% to 72.99 dollars on the New York Mercantile Exchange (Nymex).

So probably mingles the concern over the remarks of Ben Bernanke. This has not announced any increase in rates but this is considered soltuion. The discount rate will he, as the statement implied the rumor in the markets in recent days.

Regarding statistics, the trade deficit the U.S. has continued to widen in December, rising by 10.4% compared to November, while analysts expected him to be reduced.

Walt Disney released Tuesday

After Hours, Tuesday, Walt Disney (-0.60% to 29.66 dollars) has released stable profits over one year to 844 million, or 44 cents per share.But excluding special items, earnings per share were 47 cents against 39 cents expected by analysts.

Airgas Inc. (-0.29% To 61.17 dollars) has rejected a hostile takeover of Air Products & Chemicals, describing it as "inadequate".

Arcelor Mittal, the world's number one steel, said it earned 118 million dollars over the year 2009. But the current financial year looks difficult. The U.S. market (-7.43% to 36.56 dollars) endorse the title in Paris.

In addition, Micron Technology (-6.72% to 8.48 dollars) announced it would buy Holodings Numonyx, a producer of memory cards, for $ 1.27 billion.

The bank is not affected by ads for Ben Bernanke.JP Morgan Chase (2.37%), Bank of America (2%) and Goldman Sachs (1.36%) support even though the odds.

Baidu (+9.27% to 475.35 euros) reported a fourth-quarter earnings up 48% to 62.7 million. The competitor Google (-0.08% to 535.95 dollars) in China publishes a profit of $ 1.8 per share.

Dell (+1.99% to 13.52 dollars) has been "upgraded" by Bank of America-Merrill Lynch to buy from neutral.

The Japanese automaker saw decidedly dark days. It's Honda's turn on Wednesday recalled more than 400,000 vehicles, after the Toyota case (1.39% to 75.64 dollars).

And Omnicum, a direct competitor of Havas, which was pleasantly surprised by France, issued a profit decline of 87 to 73 cents per share. The title is almost stable (1.42% to 35.75 dollars).

After the Japanese manufacturer Toyota is Ford's turn to report problems with brakes on hybrid cars. Without explicitly mention a reminder of cars, the manufacturer said that the owners of certain 2010 models of the Fusion Hybrid and Milan Hybrid mail to receive a letter advising them to go to their dealer for a free upgrade of the computer system manager braking.

The manufacturer said that the problem occurs when switching between the two braking the vehicle, and that drivers always have an effective braking despite posting misleading.

At Ford, the software problem equip 18,000 cars, but only a small fraction of that total "will suffer a problem, according to a consumer association.

Review of the week, still not good on Wall Street. The flagship index of the U.S. coast, the Dow Jones has sold more than 1.3% over the last five sessions. On the month, it lost 3.5%, its largest monthly decline since February 2009. And from the peak of the year (January 19) at 10,725 points, it dropped 6.1% …

Note that the volatility index rose more than 4.3% on the session. This shows the nervousness of investors.

But Friday had sounded like a new breath of oxygen. The U.S. indices had opened up, certainly not stupendous, but reassuring. Investors initially reacted to the GDP growth of 5.7% in the fourth quarter of 2009. Note however that the whole of 2009, GDP fell by 2.4%.In addition, a new series of good quarterly results have agreed.

According to Christian Parisot, head of economic research at Aurel, "this figure is reassuring for markets and for the future." But that rebound is partly 'technical', relativize does. He explained to the tune of 3.4 points from a "stock effect". Croissancedu the fourth quarter will be weaker in the first quarter of 2010, he said.

Still missing, the index fell

Then the breath was cut. The indices have regained some equilibrium after 20 hours (Paris time), then slid into the technological rouge.Les weigh heavily on the trend. So that finally the Nasdaq plunged 1.45% at 2147.3 points. The Dow Jones dropped 0.52% to 10,067.33 points, under 10,100 points. And the S & P 500 dropped 0.98% to 1073.9 points.

Yet, at 15.45, the figures of industrial activity in the Chicago area for January were pleasantly surprising: ISM index rose to 61.5. Then, ten minutes tardn it was the turn of consumer confidence as measured by the University of Michigan to give pleasure: it has been revised upward to 74.4, reaching its highest level in two years.

The Dow Jones had already ended on a Thursday this very negative (-1.13% to 10,120 points), leaded by the disappointing statistics. Applications weekly unemployment benefits fell during the week ended January 23 (to 470,000) but less than expected. Similarly, orders for durable goods in December increased more slowly than expected (+0.3%).

Yesterday evening, Ben Bernanke has been extended for four years at the helm of the Fed. The markets saw his appointment as a continuity of monetary policy characterized by very low rates.On the same level, China has also sent positive signals to the market today. The Chinese central bank reiterated that it would maintain a "moderately flexible monetary control.

Microsoft guest star

Even the good performance of Wal-Mart (1.52% to 53.4 million) and The Home Depot (+2.5% to $ 28), failed to halt the downtrend.

It is largely explained by the decline in technology stocks. The index closed at losing more than 1%. Apple heavyweight, with a decline of 3.6% to 192.12 dollars, under pressure since he revealed his "Ipad.

The computer giant Microsoft has published the results of its second quarter lagged 2009/2010 after Exchange Thursday, with a turnaround in net income of 60%, to 6.66 billion dollars.The stock has lost 3.36% to 28.18 dollars.

Amazon also announced after market close a net profit in 2009 up 40% to 902 million. The fourth-quarter earnings soared 71% to 384 million. Turnover was 24.51 billion dollars, or 28% more than in 2008. In exchange, the share increased to $ 132 before subsiding, then fall from 0.49% to 125.41 dollars.

Mattel (-1.2% to 19.8 dollars) released before market on Friday, a dramatic increase in its earnings in the fourth quarter: 86% to $ 328.4 million. Over the year the Group achieved a profit of $ 528.7 million, up 39% as well, which reduced per share amounted to $ 1.45 against expectations of 1.24 dollars.

The maker of automation and appliances Honeywell issued before market also net income group share declined slightly (-1.3%) to 698 million in the fourth quarter, in line with analysts' expectations. The title has sold 3.04%, to 38.61 dollars.

The oil company Chevron (-1.68%, to $ 72) on Friday issued a 2009 annual profit fall of 56.2% to 10.483 billion dollars, due to falling prices and pressure on margins .

Furthermore, the group of French telecommunications and media company Vivendi sued by shareholders ruined by its near-collapse in 2002, was convicted of misleading communication. Its CEO at the time, Jean-Marie Messier, has instead been milled.

PC producers smile again. According to Gartner, it has sold nearly 306 million computers worldwide in 2009, against 302.2 million units in 2008. An increase of 5.2% in one year. In November, the firm analysts foresaw growth of 2.8% this year. This recovery was mainly driven by a surge in sales of 22.1% over the fourth quarter alone. While the basis of comparison is largely favorable. The global economy plunged into crisis a year earlier, with only 78 million PCs sold in the fourth quarter of 2008 (+1.1% over the same period in 2007).

Today, all regions of the world leave more beautiful. "The United States and Asia-Pacific had already been positive indicators in the third quarter, but fourth quarter results give more evidence of a global recovery," said Gartner analyst Mikako Kitagawa.For the first time in three quarters, in fact, the regions Europe, Middle East and Africa were up in the fourth quarter.

Redistribution of cards

A recovery has been particularly successful in producing Taiwanese Acer. The latter took the opportunity to eclipse Dell's second largest computer manufacturers in 2009, after flying his way to his American rival in the third and fourth quarters. Over the year, Acer has sold 39.897 million in total PC, a jump of 29.4% which enabled him to capture a market share of 13%. Dell, meanwhile, reported sales of 37.355 million computers over the year, down 9.1%. Its market share fell to 12, 2%, against 14.1% a year earlier.

The battle for second place does not seem to affect Hewlett-Packard, anyway. The American manufacturer is sticking to its first place. And by far.The world has sold 58.947 million computers in 2009, registering an increase of 11.3% comfortable compared to 2008. HP wins a market share of 19.3% (against 18.2% last year).

Sales from consumer PCs and cheaper

According to analyst Gartner, HP, Acer and Toshiba, the fifth largest producer with 15.495 million computers sold in 2009, received a "strong consumer demand." The business market, it remains uncertain. This is not the business of Dell, which has mainly specialized in selling office equipment. Finally, Mikako Kitagawa highlights the success of the cheapest PC. To demonstrate the success netbooks, often sold at less than 300 euros, continues unabated.Finally, the launch of the new operating system Windows 7 to fall was a great marketing coup for the holidays.

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On the eve of the great Mass Association Annual Retirement Savings Afer, the past resurfaces and new twists are expected. Accused in 1999 of embezzling 128.9 million euros, the former leaders of the savings association Gérard Athias and André Le Saux, were convicted on appeal by the Correctional Court of Paris, two years in jail suspended for breach of trust, and restitution of misappropriated funds between 1986 and 1997. This conviction was finally confirmed on 2 December by the Court of Cassation. This now opens the way for compensation to investors who suffered financial loss.

The SOS Afer Principles, which includes 400 members of the association, has therefore written to the Board of Afer asking him to recover misappropriated funds at the expense of savers."At least 400,000 members are concerned, are entitled to recover all amounts diverted, or about 250 million euros," said SOS Principles Afer.

We'll see tomorrow at the meeting of the association, during which will be unveiled the yield of the contract for 2009, how the current leaders of Afer respond to this request.

After rising prices of cafes and restaurants in November and revealed Tuesday by INSEE, they were not going to Bercy auspiciously. Yet, while recognizing that these figures are not up to the commitments, Herve Novelli has not enjoined Tuesday to go further in the final statement he prepared to lower the VAT in catering. Aware of the difficulties of independent schools, the secretary of state for trade and was merely asking restaurants to moderate their rate increases at inflation for the year 2010.

The prices charged by restaurants and cafes have indeed increased by 0.1% in November, according to Insee, an increase equivalent to that recorded by all consumer prices.A study of services Bercy, 55% of restaurants only have indeed lowered their prices in line with commitments made in consideration of the reduction in VAT. In total, since 1 July 2009, a rate cut by the restaurants alone amounts to 1.41%, while that seen in cafes amounted to 0.95%, INSEE showed. These figures are actually far from the 3% who had committed coffee shops since July.

If the price cuts and hiring remain "midway" of stated goals, Herve Novelli Welcomes however, the wage agreement reached Monday by the social partners in the sector.Described as "historic" for the many benefits it provides to employees – annual premium of 500 euros, two days of additional leave, starting salary grid systematically 1% above the minimum wage … – it remains fragile, the main employers' organization has so far refused to sign.

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The signs shown on video games is too little known and not visible enough by the Secretary of State for Family, Nadine Morano. Such written statements and pictograms should enable parents to identify the particular minimum age recommended for each game and its degree of violence. "We see too many young people have easy access to shelves of video games most violent, most dangerous and which are not of age and pass without any difficulty to cash" deplored Nadine Morano Thursday on RMC / BFM .

Logos PEGI (Pan European Game Information, http: / / www.pegi.info/fr/) are not mandatory but all three major console manufacturers (Sony, Nintendo and Microsoft) do not play these unstamped European symbols in their catalog.They lay one hand a minimum recommended age (3, 7, 12, 16 and 18) and may also include potentially offensive content (violence, coarse language, sex …). So far only 4% of the games listed are recommended for over 18 years, against 12% for over 16 years and 24% for over 12 years. But this classification is only for information purposes only, with no binding and it is still very poorly understood by parents. While virtually all of 6-17 years practicing video games, only 21% of parents know the signs PEGI according to an Ipsos.

In this context, the secretary of state for family wants better information for parents as well as in-store packaging or on the internet for online sales.Furthermore, she asked that the information referring to the risk of epilepsy for players who stay too long behind their screens are visible on the packaging. In turn, in a statement, the union of the publishers of entertainment software (SELL) "surprised at the positions of the minister who go against the European trend. Considering about Nadine Morano as "a repudiation of the work carried out over the years by professionals in the game, the SELL stresses that" the development of new signage could upset consumers who are accustomed to standards PEGI " .Believing he had been hitherto neither listened nor heard by the Minister's Delegate General SELL Jean-Claude Larue complains: "Nadine Morano stigmatizes these digital entertainment with high potential without apparently having studied the matter seriously."

As for the National Union of Family Associations (UNAF), she believes it is important to build on the PEGI logos and raise awareness. "The signage could probably be improved, says Olivier Gerard support new technologies to UNAF, but it is essential to help parents to decide and justify whether their decision to buy a game" for go further in the discussion and discuss the game in all its aspects the association has launched with eight other partners a section dedicated to him on his sitewww.pedagojeux.fr.

They are presented as "the cornerstone of the company, but feel" left out "after having invested limitless. A paradox highlighted by the study conducted by consulting firm HR Solutions Alter Ego, and Françoise Toulemonde, marketing consultant and prospective studies (1). "Isolated," "disoriented," in full midlife crisis "… The survey paints a finding black … More specifically, it reveals that the professional motivation of this population are similar to those of the famous generation Y, characterized by individualism and infidelity to the company.

For Quadras, succeed at work is above all a personal project: "always learning" for 45% of them reconcile their pro-life to 39%. In contrast, only 12% believe that success is linked to having significant responsibilities.

If the quadrants have high expectations of HR, over 80% believe that evolution will not pass through internal mobility, but from somewhere else.

For the firm Alter Ego Solutions, "companies have an interest in reconsidering these quadrants, if they do not want to see in smoke from their expertise or simply face an acute risk of demotivation.

The conclusions to be drawn? Companies should treat this "quiet generation", which is showing "signs of impatience."

The study concludes with Generation Y, concluding that this "puzzle recruiters" may be basically a "shell" and that individualism is perhaps generations. A revelation …

(1) Survey conducted between April 23 and 14 mail in 2009, among 1200 men aged executives.