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It was to be expected. Recruitment of young graduates in the audit consultant should decrease in 2012. However, nothing to do with the situation of 2009, the year of drastic reduction in hiring plans. Overall, the activity of firms is maintained but the turnover of employees, which can reach 20% in good times, tends to slow. With the financial crisis, young consultants do not receive many job offers from their customers. This is less of starters to replace. "Earlier this year, our recruitment should be more selective, confirms Baculard Hervé, President of Syntec management consulting. But we can not exclude surprises for the second half, with a wave of more opportunities for young graduates. "

Pending a hypothetical thinning, caution is called for. As with Deloitte, which provides 750 to 800 hires graduates, two-thirds of tray 5 and a third tray for two or three trades of public accounting. Same trend at Mazars, announcing 350 new hires for beginners, the same as in 2011. Sylvie Bernard-Curie, HR Advisory, KPMG Audit, estimates that it will hire "as much or slightly less than last year. Our goal is 720 graduates in CDI. " For its part, PwC expects a small decline: 470 recruits out of school against 520 last year. Less CDI also to sign with Accenture, which provides all the same 350 to 400 reinforcements of graduates (excluding trainees).

Open to university profiles

Side outlets, this is a return to fundamentals. The financial audit is to remain the preferred gateway for juniors. "This area is much more resistant than other more sensitive to economic conditions, such as transactions and mergers and acquisitions," says Isabelle encumber, director of recruitment at PwC. Beginners are also popular in the Outsourcing and Accounting and consulting in strategy and management. For these trades, "the needs are very important from our customers in areas affected by new regulations such as bancassurance, or the energy sector," says Jean-Marc Mickeler, Brand Manager of Deloitte employer .

In an uncertain economic times, employers do not they go play it safe by focusing on candidates in business schools at the expense of academics? The firms insist they will continue to open in the same proportions in the Masters 2 (bac +5). "Beware of clichés. The courses are less uniform than a decade ago. Now, there are Masters who have interned, completed a double degree or completed a stay abroad, ensures Sylvie Bernard-Curie. This makes them interesting and graduate school of management. "

According to the firms, recruitment of academics could be more if some schools were more open to the world of business. "We must do a great job of selection to identify the best Masters in terms of skills and language among the thousands that exist, says Caroline Haquet, Recruitment Manager at Mazars (25% of academics). However, to communicate with campus, we have not always clearly identified as an interlocutor. There is an entry barrier higher than in larger schools. "

Demanding recruitment processes

Personality test, business cases, interviews … processes differ from one firm to another.

Deloitte. Successful applicants are entitled to an initial interview with a collaborator. Meanwhile, they pass a personality test and English. The best after a second interview with a partner. The objective: to verify the intellectual agility, openness and adaptability of the candidate.

KPMG. After an initial selection of CV, the candidate is received for a "discovery interview" accompanied by an English test and a personality test by questionnaire. If it passes these tests, he participated in a morning with the program: a presentation of activities, a second interview with a manager or a partner in the area of ​​their choice and a lunch with a young executive in the firm who will advise on the new recruit.

PwC. Candidates whose CVs have been identified individually meet with an HR manager in a key English test computer. Second step for the survivors: the realization of a business case directly with an operational manager. Finally, the "cream of the cream" is entitled to a final validation interview with a partner. The purpose of this very selective process, "validate the candidate's interpersonal skills, ability to listen and understand customer needs."

Accenture. First step, an interview of "motivation", conducted partly in English with a manager. The same day, the candidates must address collectively, in groups of about 10, the resolution of a business case. Then, the floor is, this time individually on solving another case business. The best are selected to meet a partner.

Mazars. No personality test, or resolution of business cases. Each session (in January and June) begins with an oral presentation of the firm to selected candidates. Then place two successive interviews with the firm's business. Each interview covers a portion of the CV. If the candidate is selected, it has a third interview a few days later with a more senior manager or partner.  

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The commercial center of the Three Quarters, in front of the Madeleine in Paris, finding colors. C & A will move in March 2013 over Decathlon, hosted by the abandoned clothing store for men Madelios (Spring Group) a year ago. The Australian fund MGPA, owner of the building since 2009, has reached an agreement with the sign Germano-Dutch, who obtained all necessary approvals for its fifth store in Paris. "La Madeleine will be our new flagship, which will offer a younger, less traditional, to attract new consumers," says one at C & A France.  

This new formula will speak about 5400 m2, an area slightly smaller than that of C & A of the Rue de Rivoli or the Boulevard Haussmann online cash advance.

Renovations and expansion began in that outlet, situated opposite the spring, which will include codes store Velizy. This other concept of the sign refurbished clothing has "helped advance the traffic and sales," explained the group, without giving further details. After opening nine stores last year, bringing its network to 127 outlets, C & A opened this year between 13 and 14, in Angers, including Lyon and Troyes.

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The majority of French (63%) believe that pensions will diminish in the future, according to a poll conducted for CSA-Cecop Circle Fund. Professional categories most affluent are most worried (78% of executives).

To address this possible shortfall, more than half of respondents (54%) plan to save a priority to prepare for retirement (45% of them have savings to cover their expenses insurance). For them, life insurance seems inescapable. "It is still perceived as the ideal investment," said Jerome Jaffre, director of the Center for Knowledge and Public Opinion (Cecop).

Only 2% of redemptions reinvested in other investments

However, life insurance was shunned by investors in 2011. For the first time, they withdrew more money than they paid. Net inflows fell to 7.6 billion euros in 2011, almost seven times less than in 2010.

"Most investors have mostly drew on their savings to consume or purchase real estate payday loan lenders. Only 2% of redemptions were reinvested in other financial investments, "says Philippe Crevel, general secretary of the circle of investors. This trend may ease this year, with 85% claim that they do not intend to touch the savings in the coming months.

In this election, more than one French respondent in two (55%) think that the left, if she wins the 2012 election, will not restore the statutory retirement age to 60 years. And 58% of them anticipate even ultimately rejected a legal age to 65. In 2011, there were only 30% think.

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Internet gets more in tune with other media. After enjoying a full return to growth in 2010, investments online in 2011 after the French advertising market trends, with a more moderate increase of 7.6% (+5.2% over the same period for all the corporate media). According to the barometer of the Interactive Advertising Bureau France (IAB) and the Union of regulated Internet (SRI), the investment volume has reached last year, 3.48 billion euros gross (non-negotiating and decreasing) . "Very dynamic in the first half of the year, the display (banner advertising, sponsorships and video, Ed) was marked by breaks and a slowdown in year-end. This confirmation of the maturity of the Internet who now lives at the same rate as so-called traditional media, "said Catherine Gotlieb, VP of IAB France.

The data released Friday by the Institute Kantar Media also show that the share of the Internet in French advertising investment has stabilized at 12.5% ​​(+0.3 points compared to 2010). "With only this level of market share, the Internet remains underinvested in France, which suggests good prospects for development of the media," notes Arthur Millet, a director of SRI. Even if there is more than "outbreak of the Internet", in the words of Catherine Gotlieb, the media has installed devices at the heart of cross-media advertisers. In 2011, some 4972 advertisers have been active on the Internet, most loyal spending an average of over 15% of their communications budget.

Advent of video

Especially, two-thirds of advertisers now combine the "display" with at least one other media. The couple TV-Web continues to grow, stimulated by the advent of video. Last year, 690 advertisers used this form of advertising, 20% come from the consumer.

Culture and Recreation (370.1 million euros), banking and insurance (360.1 million), automotive and transport (352,100,000) are the three dominant sectors on the Internet. The IAB France and the IRS noted, however, increased investment in food and distribution. The latter has a "high growth", while the sector is currently under-investor with a market share estimated at 6.7%.

Similarly, with a share of 8.3%, food is "an important reservoir of growth for the display." Between 2010 and 2011 budgets devoted to food web have developed strongly (+10.5% to 190.4 million euros), including through "devices incorporating digital video," indicate the BFI and SRI. For 2012, the two agencies do not advance prediction.

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Greece appears increasingly at an impasse. Last night, the various parties in the governing coalition failed to agree on the establishment of a new austerity plan, after five hours of discussion, and despite the urgency of the situation . Greek Prime Minister, Lucas Papademos, said the meeting would resume today. He announced advances on the magnitude of the savings (1.5 point of GDP), bank recapitalization and reforms to reduce production costs. In contrast,. Antonis Samaras, the leader of New Democracy (right), leaves little hope on the fact that a consensus could be reached soon: Troika "demand more austerity, that the country is unable to bear, I 'm fighting to prevent this, "he said last night.

The European Union and the International Monetary Fund called on Athens to make more efforts and implement a new fiscal tightening if the country wants to receive the necessary new loan of EUR 130 billion at least. And time is short because without that money the country will be unable to repay the 14.5 billion euros in loans it owes to its creditors by 20 March. Without this payment, the country will have no choice but to declare themselves insolvent.  

Saturday night, the Greek finance minister, Evangelos Venizelos, said that negotiations should be concluded on Sunday evening that Greece could ignore the threat of bankruptcy next. Similarly, the leader of the Eurogroup, Luxembourg Jean-Claude Juncker, has also increased pressure on the Saturday night party leaders Greek citing the risk of "bankruptcy" of Greece in March if required reforms were not carried out. Athens must indeed conclude negotiations as soon as possible, so that the exchange of Greek sovereign bonds held by private banks can be operated around February 13. With the key, the deletion of 100 billion euros of its debt.

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Decide to build your own infrared sauna is a big step toward proactively managing and promoting your own good health. However, careful research is still needed. There are many options when it comes to buying a far infrared heater for your sauna, and not all types are created equal.

To choose the best far infrared heating element, you must first take a look at the electromagnetic spectrum. All types of light (both visible and invisible) are organized by wavelength on what is known as the electromagnetic spectrum. As we move from visible light to wavelengths of light, we see infrared radiation.

Few people know that infrared is actually divided into three types: infrared NIR, mid and far infrared. The boundaries between each are a little blurry and really depend on the method used to measure wavelength. However, the divisions are there. With regard to the saunas, far infrared radiation produced the strongest infrared benefits because its wavelength is the shortest of the three.

Traditional saunas rely on processes of convection and conduction to work. This means that they heat the air (convection) which in turn heats our skin (conduction) as we sit inside the sauna. But infrared does not rely on hot air at all. Its direct action allows the warming infrared rays to work directly on your body without going through the hot air. The infrared rays are similar to sunlight (but without the harmful effects of UV rays).

This means that the infrared quartz heaters can operate at a lower temperature area than traditional sauna heaters. In addition, they are more energy efficient and less costly to operate. Most far infrared heaters are able to plug into a standard outlet. However, some larger models will require a special dedicated 15 to 20 AMP, which must be installed by an electrician. So if you looking to buy heaters for your infrared sauna, make sure the equipment you need to make it work before making a decision.

Infrared heaters look quite different from traditional heating elements, we have come to expect to see in the saunas. They are more like sheets or plates than anything else. They are very thin and flat. Infrared radiation requires a large area to work effectively, so the bigger the better with infrared sauna heaters. Some heaters comes in the form of incoloy rods instead of plates, but they are not a good choice because their small surface will compromise their ability to radiate infrared properly.

Most of the infrared heating elements are made of carbon fibers or ceramic materials. Research the tables of emissivity (ability of an object to produce infrared radiation) is useful in assessing the different materials available. Ceramic heaters have the highest emissivity value. Not incidentally, they are the only heaters that are able to radiate far infrared really, instead of just near or mid-infrared radiation. For users who want to experience the best infrared sauna, ceramic would be the wisest choice.

Doing your homework is absolutely essential when choosing a far edenpure infrared heaters. In general, the ceramic heater will be the best, but you still want to inquire about the emissivity of the specific model you are considering buying. Remember that you want to cover a large area with your hot and what kind of socket you need for a successful operation. Do not be afraid to ask questions. After all, the quality of the heater you buy will determine the quality of experience in infrared sauna you in the future. So you have the right to make an informed choice!