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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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.

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A rating agency on three, Standard & Poor's, has already withdrawn its prestigious Aaa to France. One of its competitors, Moody's, could soon follow, warned the Socialist candidate for president Francois Hollande. In the days following the presidential election.

Moody's placed under the supervision of the French debt rating earlier this year, he said in an interview with Journal du Dimanche. It "will make a decision on May 12, he argued. It will not be a consequence of the May 6 vote of the French. I warn, already, for our fellow citizens that there is no confusion (…) For now, I ask in any case to be assessed by the French and not by markets. "  

How the candidate can know the date on which the decision will fall on Moody's France? Rating agencies maintain absolute secrecy about the content of their deliberations and their timing, until the publication of their decision. To predict the date of May 12, the candidate is based on the deadline set by the agency between his warning to the country concerned and the actual announcement.

Moody's placed the rating a negative outlook on Feb. 14. It can give its verdict – probably too negative for AAA French – in May. However, it would have a year to decide. "She may wait to see what measures are being implemented by the future president, for example until fall, when the budget for 2013 will be presented," qualifies Norbert Gaillard, specialist rating agencies.  

Clearing the ground

Francois Hollande tried to clear the ground, should he be elected, and while his main opponent, Nicolas Sarkozy, waved the threat of an attack against France markets where Socialist victory. Today, has defended the PS candidate, turbulence affecting Spain and Italy but not France. "It is particularly irresponsible for the incumbent to use the threat of speculative movements to persuade voters to abandon the alternation," he pleaded.

The first week of the next president, whoever he is, ahead eventful. First Moody's should actually decide before May 15 the fate of Aaa it attributed to France so far. Then the Commission will publish its opinion on the stability program of France. This document, sent to Brussels last week, details how the government intends to restore the balance of public finances by 2016. Problem: it takes into account neither the promises of the outgoing president, nor those of his socialist opponent.

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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.

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The legendary New York taxis will bring up to date. Their famous yellow color lightens slightly, their horn is less unpleasant and, above all, they adapt to the needs of businessmen in a hurry as visitors to the city. Within this "cab" new version, an electrical outlet, two USB ports and small reading lights allow passengers to work and recharge their devices. And for those who prefer to enjoy the breathtaking views of the skyscrapers, the roof will now be equipped with a panoramic window.

This "Taxi of Tomorrow" promised by the manufacturer, Nissan, will be "the safest, most comfortable and most convenient that the city has ever had," said New York Mayor Michael Bloomberg. The 600,000 daily passengers of taxis will have more space for their legs and can adjust themselves air conditioning and heating in the back. They can also communicate with the driver through an intercom. As for the upholstery, it is anti-microbial.

Nissan continued to conquer America

The Japanese partner of Renault last year won the contract to renew the fleet of 13,000 taxis in New York, beating two other finalists, the Ford and the American Turkish Karsan. Sold 29,700 dollars, the NV200 MPV will invade the streets of New York from fall 2013.

The 13,000 taxis take to the streets of New York in autumn 2013.

"Reconciling candidates and companies …" This is the purpose of the First Assembly of recruitment has organized last week Syntec recruitment consultancy. Dehumanization of the hiring process, operation of private data via social networks, growing constraints imposed by government on behalf of diversity … Executives, HR recruiters and exchanged ideas on these topics. "From these discussions will come from a series of forthcoming proposals," promised John Paul Brette, union president and CEO of Hudson.

The "CV citizen" will surely in part. Jointly launched in January by Syntec recruitment consultancy and association Odissée, this CV adds value to the charitable commitments, humanitarian, outside work. A student doing the tutoring, a mother president of an association of parents, a key company invested in a think-tank

. First act of management

"This kind of commitment can develop transferable skills in the workplace. The job applicants are not sufficiently aware of the highlighting. And recruiters do not always have the key for identifying, "says union president, who is engaged in promoting the CV to its members 140 firms. The National Association of HRD (ANDRH), building on its 5000 members, also supports this project. "Many HR will find a way to enrich their work," said Charlotte Duda, its president.

"Taking into account all the skills can promote diversity," says his side John Paul Brette. He sees this new resume an alternative to anonymous CV he calls a "false good idea". "It is certainly not the appropriate response to the issue of diversity," said he pay day advance. For diversity, focus and ultramédiatique recruitment, is not without a few questions … Affirmative Syntec is it not a form of discrimination? Firmly convinced that "the most diverse companies are more efficient," John Paul Brette regrets the "paradoxical injunctions issued by public authorities." "Positive discrimination on young people, over 55, women … It is too!" He summarizes.

The CV citizen is also a way to fight against the dehumanization of the hiring process, another great battle cry of union. "Over the past decade, much has been said process, cost, supply chain, up to outsource recruitment via hubs abroad. We forgot to talk about men, "is moved to the union president, referring to the computerized sorting of resumes by keywords.

Faced with this disembodiment, he recalls that "Recruitment is the first act of management." In 2011, the 140 member firms of the organization have done for their client companies hiring 22,000 frames – against 20,000 the previous year. A digit to be reported to the 180,000 hiring managers surveyed last year by Apec. "We cover the entire recruitment process, from defining the business need to integrate the new employee," he says.

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The smallest city in the United States seeks inhabitant (s) and buyer (s). Don Sammons, the only resident of the town of Buford, in the State of Wyoming, decided to put his entire town for auction on April 5 for the price of $ 100,000 or about 76,000 euros. The sale includes a house with three bedrooms, a gas station, a shop that also serves as a post office, a garage, a school dating from 1905 and the postal code of the city (82 052).

Don Sammons who came to settle there in the 1980s, the city acquired in 1992 with his wife and son. Its only inhabitant who is also the mayor confides in his welcoming gas station nearly 1,000 customers a day in summer and 100 winter. But at the time of retirement, after the death of his wife and his son had deserted the scene, he believes it is now time to move on.  

An abandoned village of Limousin for sale

The future buyer will not complain about the neighborhood. Located at 2400 meters altitude and windswept, the small town of 4 hectares, bordered by the Rocky Mountains, was deserted after the railroad that served the was deflected. Buford claims the title of the smallest city in the United States. There is also no surprise that it is in Wyoming. With a population of 563,626 inhabitants in 2010, the State of West is the least populous country and has the lowest density with just over two per square kilometer. But according to the website of Buford, the city has not been abandoned. Founded in 1866, a time she counted 2,000 inhabitants and has also seen a few past personalities including U.S. President Ulysses S.Grant who visited in 1869. Butch Cassidy, the famous outlaw immortalized on screen by Paul Newman's even been arrested after pointing a trade.

The city is a bargain when compared to other cities recently implemented vente.Un little further north, in the neighboring state of Montana, the town of Pray is for sale for a whopping $ 1.4 million or just over one million euros. Another opportunity to be seized, this time closer to home, the hamlet of Courbefy, in Haute-Vienne, will be auctioned in May for $ 330,000 Euros.

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France could seek to accelerate its transition energy. In fact, the country's fuel bill has reached a new record in 2011, up from 32% to 61.4 billion euros, according to figures from the Commissioner General for Sustainable Development announced by Les Echos. The energy bill of France and represented 3.1% of GDP, last year against 2.5% in 2010.

This increase was driven by soaring oil prices. The average price per barrel of oil a year has indeed established last year to $ 111, not seen since the nineteenth century. The price of unleaded gasoline and have reached new heights last week, to 1.6211 euro on average for a liter of unleaded 95 and 1.6610 for that of 98 unleaded, according to data released yesterday by Ministry of Sustainable Development. This price is still below the record high of 1 fast cash without a hassle.4541 euro per liter recorded in May 2008.

Since late 2011, gasoline prices beat record after record in France, propelled by the combination of geopolitical factors that keep crude oil prices at very high levels, and weakening of the euro against the dollar , which amplifies the cost of black gold once its converted value in the single currency.

Nuclear energy has however enabled France to reduce its energy dependence as the country has a net electricity exports by 2.6 billion euros. The development of renewable energy has also enabled France to reduce the weight of its energy dependence.

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Kick-off auditions today by the Higher Audiovisual Council (CSA) of candidates for six new free DTT channels. The wise will consider 33 draft lines, from both large media groups as mere associations. Team HD, sports newspaper chain, is the first to be presented on Monday morning. Honey HD channel project for women of NRJ Group, will close the hearings on March 14. The selection of the top six will be known in mid-March for an effective start chains expected to fall.

The candidates will each have 45 minutes to convince the nine members of the CSA. Most cases are planning to develop channels, some of which already exist. Among the suggested topics: the nature and animals (TV Friends of the 30 Million Friends Association), the art of living (or Via Stylia), religion (Catholic channel KTO), theater and entertainment (L NWE rm-TV), music (Ofive TV) and even French excellence (Cocagne).

TF1, M6 and NRJ each have three projects

Large groups of television and radio will be very present during these hearings. TF1, M6, NextRadioTV (RMC BFMTV …) and NRJ Group will each present three projects. The group will present its TF1 channel dedicated to the art of living Stylia and a home shopping channel (Trends 24) and another devoted to fiction TV (HD1). M6 also offer a shopping channel (Shop & Co) and two projects at this stage undisclosed (Hexa and 6TER). The group of Alain Weill, NextRadioTV, will defend his side of his proposed RMC Sport HD sports channel than face Team HD, which officially supported by the National Olympic Committee and French sports (CNOSF), but also a RMC Discovery documentary channel, in addition to its economic news channel BFM Business. As for NRJ Group, he will detail his chain for women Girl HD, a channel dedicated to youth (My NRJ) and another on the heritage (Nosta the TV).

In the press sector, another project supported by the Nouvel Observateur group, associated with Fleurus Presse and Media Participations, bet on creating a chain of knowledge (360 TV). For its part, Lagardère Active TV it will defend the case. Finally, Pascal Houzelot, the founder of Pink TV will present tYou, defending a string of "diversity" and its capital account in Francois-Henri Pinault (PPR), Xavier Niel (Free, BBC), Matthew Pigasse (Les Inrockuptibles BBC) and Jean-Charles Naouri (Casino).

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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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