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 Baroin then replace the one that hosted the 6th floor of Bercy, Pierre Moscovici (and Minister Benoît Hamon). The two men – who have known for many years – did not hide a certain complicity. Moscovici Baroin even familiarly, before recovering … And that's the applause that the car for what will now focus on the legislative party is.

The atmosphere was just as friendly between Valérie Pécresse – which still required to get the message that it left "no surprises" to the left on the fiscal front – and Pierre Moscovici (along with Jerome Cahuzac). The new head of the Ministry of Finance took the opportunity to tell that in the late 80s, he passed the test of Ena public finances the young woman … and that she "had the best score." Laughter in the room …

The anticoagulant Plavix, Sanofi's flagship drug, loses its patent on Thursday the United States. Although long-expected, this is a difficult stage for the championship tricolor pharmacy. The arrival of generics is usually depressing sales of an original drug by 80% within months. However, in 2011, sales of Plavix in the United States accounted for 4.8 billion euros. In accounting terms, the decline in sales will have no impact on the accounts of the champion tricolor because the marketing of its flagship product is provided by the U.S. laboratory BMS.

The benefit of Sanofi will, however, heavily impacted. In 2012, the group's net profit will suffer an impact of 1.4 billion euros, due to the loss of U.S. patents on two products, Aprovel / Avapro in March and especially Plavix May 17, announced Chris Viehbacher, CEO of Sanofi in February.

Plavix had already lost its patent protection in Europe. But its total turnover in 2011 reached 7 billion euros. This made so ephemeral, without doubt, the top-selling drug in the world, after the cholesterol-lowering Lipitor, sold by Pfizer, has lost its patent protection last November.

Clopidogrel, the active ingredient used for generic for Plavix and marketed by the French lab is fully produced Sisteron (04). However, the laboratory will manufacture other chemical molecules, which means that 500 jobs are not threatened by the loss of U.S. patent for Plavix, Sanofi sure.  

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Since Friday, the plant Fralib is occupied by its employees. A situation that is denounced by the president of Unilever France, Bruno Witvoët. "This is unacceptable in a constitutional state, says in an interview in Paris-Today-in-France. Such a coup with hooded individuals armed with baseball bats and batons, it is not of union action, it's a commando! ". The boss of Unilever France claiming the expulsion "immediate and prompt action with law enforcement" employees, has also filed a complaint for "physical threats" from the police. "From fabrications," Olivier replied Leberquier, CGT union. According to the police of Aubagne, intervened at the scene, there would have been no collision.

"Holland must keep its promises"

"Closing a plant is always a very difficult decision, Bruno recognizes Witvoët. But in some cases – including tea bags – we have overcapacity. This is justified in stopping this site ". He said Unilever has taken responsibility in the case of employees of Fralib, accepting "to add additional resources for the revitalization of the local employment" as required by justice. "Funds for creating new jobs has increased from 1 to 1.5 million euros" and "each dismissed employee is entitled to an internal transfer, pay the same conditions, in one of six other plants in France , "he said.

This new twist, the 592nd day of the conflict comes as 80 of the 103 employees still struggle, of 182 initially received their letter of dismissal. At the same time, a moving company came to do a quote on the site, and management proposed the CGT to move out of its local business, or in organizing the escorted access, for reasons of safety concerns, dismantling machinery. A scenario rejected by the union, which wants to keep the tool working on site to implement an alternative plan of recovery of activity.

Given this situation, unions are demanding the intervention of Francois Hollande. During the presidential campaign, President-elect said: "Nothing is done, nothing is guaranteed and if victory comes, I will also be at your side, President of the French Republic, to get your site live, had he launched at a meeting of employees Fralib in Paris in February. "The company is now under the control of the CGT and the Netherlands should keep its promises. His election is a ray of hope, "says Olivier Leberquier. The standoff between employees Fralib and its direction is far from over.

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.

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The principle of constant allowance

The allocation is a constant option contract of life insurance. This smooths market fluctuations by defining a distribution of amounts paid life insurance contract between the different media that he is leaning. The allocation principle thus applies to contracts linked life insurance.

Namely: in some cases, the allocation is also called constant distribution constant.

The operation of the constant allocation

The insured must determine its profile management, in deciding to assign to each holder a percentage of total capital. Thus, when losses are recognized following a stock movement, arbitration is automatically performed to rebalance the distribution of capital of the insured.

For example, suppose a contract of life insurance of € 10,000 allocated to fund 50% in euros and 50% unit-linked shares. After a year, the accounting units have experienced a gain of 10% and the euro fund a 3% gain. The contract contains so now € 5,500 units of account and funds in euros € 5,150 or € 10,650 in total. It is distributed to 52% unit-linked funds and 48% in euros.

The initial distribution intended by the insured is no longer respected: the contract is more exposed than expected stock market risk. The difference can of course get bigger every year. The option allows you to return to the desired proportion, 50% / 50%, to maintain the desired level of risk low interest rate personal loans.

Subscribe constant allowance

When subscribing to a multichannel contract, the insured may request an allowance optional subscription constant. It is however also possible for an insured to apply for the allocation constant during the contract. Therefore, it must determine its management profile based on several parameters:

-The frequency of rebalancing,

-The media involved in the arbitration,

-The threshold at which the arbitration takes place.

Note: often give rise to arbitrage costs. The constant allocation option is no exception to the rule.

Advantages and disadvantages of the constant allocation

The main advantage of the constant allocation is that it allows management to determine automatically matched to a profile. But it also helps secure the capital gains generated on the stock market by assigning them to more stable carriers.

The main drawback remains the systematic allocation constant, in the event of significant market fluctuations, can generate a lot of arbitration costs.  

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Elior not lose your appetite. Sales of the French group, number three European restaurants, jumped 10.4% during the year ended in late September, to 4.2 billion euros. The increase in trading profit was faster: + 14% to 254 million.

Bulimic, Elior completed in March fourteenth acquisition since leaving the Stock Exchange in 2006, swallowing Ansamble, based in Vannes, for an undisclosed sum. The group becomes co-leader, elbow to elbow with Sodexo, the catering in France, where he made last year 56% of its activity. Already number one in Spain, until its second market, Elior will become the leader in Italy with the acquisition of Gemeaz, which allows him to double its turnover. "We now have our three leading markets in Europe, and we can enter a new stage of our development," says Robert Zolade, chairman of the supervisory board and a 25% shareholder group.

The priority is to develop the catering concession (in airports, train stations, highways or parks …), which represented the third year of activity. Elior has won contracts Autogrill face of the Motorway of Poitou-Charentes (A10), one of the largest in France, and the Gare de Lyon in Paris. There he intends to set up signs and Costa Coffee Red Hippo, who will begin their free development. "We are the only operator present in both the catering and concession. We can install in the canteens of corners Paul, Exki and Bert's, "said Gilles Petit, the director general.

The sale of 75% held by Charterhouse easier

This is especially the United States that the group intends to develop its activity in concession. He has just picked up the management of its U.S. subsidiary Areas (600 million euros of turnover). "We now have a truly global hub catering concessions which will represent half of our business," says Gilles Petit, determined to win market share.

Elior is not abandoned, however, catering, more resistant to shocks in the economy. "In France we have a development potential in the areas of administration and education," says Robert Zolade. After winning the tender to manage the restoration of central Fleury-Merogis, Elior holds 20% market share of prisons in France.

For the current fiscal year, the group seeks organic growth of its business catering from 2 to 2.3%. For catering concession, "everything will be played this summer," says Gilles Petit.

Moreover, Elior has renegotiated the repayment of its debt (1.8 billion euros to 31 September), pushing 2013 to June 2017 the next major milestone. "We have no constraint in the implementation of our strategic plan," says Robert Zolade. This will allow the transition to English investment fund Charterhouse, a shareholder since 2006, to more easily find a possible buyer for its 75%.

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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  

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SFR on Monday launched an aggressive promotional campaign. Its triple play offer, including the high speed internet, HD television and unlimited fixed telephony is available from 14.90 euros per month for a year, instead of 31.90 euros. The price is EUR 19.90 instead of 37.90 euros, with unlimited mobile telephony. SFR mobile subscribers receive an additional 5 euros, bringing access to triple play 9.90 or 14.90 euros a month, according to the chosen tender. These rates also apply for a subscription fiber.

The promotion of SFR, which formalized the replacement of its CEO last week, is limited to first 5000 subscribers and will end this Friday. It recalls the operations performed by Free site in partnership with the Sales-privees.com, who proposed in 2010 a triple play to 10 euros per month, then to 1.99 euro next year. It also places the price of the subscription neufbox at Alice's, offer low cost Free. This package, just highlighted to Free, includes the Internet, fixed telephony and television from 11.98 euros per month.

The offer is part of SFR in a particular context, however, since the arrival of Free in the mobile sector. In 2011, its competitor has maintained a very high margin of 39.3%, thanks to its activity in ADSL, which allowed him to expand into the mobile. Free on the fixed address could be a way to respond to its new mobile offerings. Meanwhile, SFR also seeks to support its recruitment in the fixed. In 2011, its subscriber base grew by only 3.2% (5 million customers), two times less than the growth of Free (4.8 million subscribers).

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In a mobile market completely disrupted by the arrival of Free Mobile, Bouygues Telecom said it had lost 159,000 customers, of which 134,000 went to Free Mobile. This represents 1.4% of its fleet of 11.3 million mobile customers. Last week, Orange announced that it had lost, for its part, 201,000 mobile customers in total, or 0.7% of its fleet.

Result, Bouygues Telecom expects a decline of 10% of its turnover in 2012 to 5.14 billion euros. The arrival of Free Mobile is not the only cause. Martin Bouygues, CEO of the group, also cited pell-mell "regulation, the end of the differential termination, terminal costs, Chatel law which is one of the most protective for the consumer."

Beyoncé is committed to the Telethon. The American singer, very involved in helping victims of Hurricanes Katrina and Ike in the United States, joined this year for 25 years BrandAlley appointment. 2 and 3 December next, dates of the Telethon, the site of private sales balances up to 70% because the clothing brand of the star, House of Deréon. The full benefit of these sales will be donated to the Telethon, said the private sales site.

House of Deréon, brand launched in 2005 by the singer in partnership with her mother Tina Knowles, markets especially its models – sold around the equivalent of 100 euros – the United States and Canada. But France is a market that does not neglect Beyoncé.His latest album, "4", it was number one record sales this summer, thanks to intensive promotion conducted by the singer in the French media no teletrack payday loans.

The operation could also be a carrier for private sales website BrandAlley. With a turnover of 70 million euros in 2010, the site just yet to reach the level of its competitor, vente-privee.com, which dominates the area. Last year, BrandAlley has diversified its business by offering its customers not only of unsold at bargain prices, but also collections in progress. The site, rumored consider a stock market listing, this year is between 40% and 45% growth.

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