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Here are the planned changes on 1 July 2011.

• Retirement

The law on pension reform, enacted November 10, 2010 after a long parliamentary battle will come into effect on Friday. The legal age will gradually increase from 60 to 62, with four more months per year. The first people affected are those born after 1 July 1951.The age of the full rate – that is to say that from which an employee receives a full pension even though he has not contributed enough quarter (165 quarters forward) – is raised gradually from 65 to 67 between 2016 to 2023.

By persons possessing a degree of permanent disability of at least 20% and, after notice of a multidisciplinary committee, those possessing a degree of permanent disability between 10 and 20% are still able to go to 60 years.

• SMIC

The minimum wage was last adjusted on 1 January will not be automatically upgraded in July. The rise in prices which reached 2% since last revaluation of the minimum wage – could lead to an increase in August the minimum wage indexed to inflation.Prime Minister François Fillon has also been clarified that no additional boost would be granted.

• Unemployment benefits

Unemployment benefits will be revalued by 1.5% from 1 July, decided Thursday Unédic or at a rate lower price developments and the minimum wage increase of 1.6% occurred at the beginning of years. "The debate was very long to the Board of UNEDIC" consisting of representatives of employers and employee organizations, which manage all unemployment insurance, said the president of UNEDIC, Gaby Bonnand at a press conference.

• Transport

– SNCF: the prices of train tickets will increase by an average of 2.5%. This increase will, as every year, uneven tickets. It will range from 10 cents to 2.70 euros by destination.The price discount cards remains unchanged.

– RATP Navigo Pass packages will increase by 2.7%, except for Zone 5. Zone 6 is removed and merged with the 5, which will mechanically decrease by 11% the price paid by its users, reduced from 123.60 to 109.90 euros for a monthly fee. In detail: the monthly zone 1 and 2 increased from 60.40 euros to 62 euros (+2.6%). That of zones 1 to 3 passes to 80.30 euros (+2.7%), and that of zones 1 to 4 to 98.10 euros (+2.7%). The single ticket remains unchanged at 1.70 euro.

The bus fare increases to 1.90 euro (+5.5%), while the book of 10 tickets will increase to 12.5 euros (+4.2%).

• Energy

– Electricity: Household bill increases of 2.9%.The industries and large companies take 4.4 to 4.9% according to the rate at which they are submitted.

– Gas: gas rates for individuals do not change, but those businesses increased by 3.2%.

• E

La Poste has announced that the price of postage for mailings of letters under 20 grams would rise by two cents, from 0.58 to 0.60 cents.

• Mobile Phone

The price of mobile communications passed from another European country down. It will now cost 42 cents per minute against 47 before. Subscribers operators in metropolitan departments and overseas subscribers Dom operators in mainland France also benefit from lower rates.

• Environment

A thousand everyday products will be subject to an experimental display decided at the Grenelle Environment Forum.Packaging will be accompanied by a statement indicating their carbon footprint and their impact on biodiversity, water, etc..

• Bank

A summary of bank charges (basket of services, payment systems, operational occurrences, agios) will now be on the monthly bank statements, which also display the ceiling of the overdraft.

• Pets

The electronic chip designed to identify the pet becomes mandatory for all animals that will travel outside French territory.

(With agencies)

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Background music, soft lighting, warm colors (brown and fuchsia), wooden floor and comfortable temperature: it is almost like a trendy bar. Yet although a supermarket of 550 square meters, opened two weeks ago in the heart of Marseille and named a new sign, "Unlike our competitors, with their sizes or City Express, we want to customers to spend time in store, "says Jean-Pierre Lanzetti, CEO Casino Near (Petit Casino, Vival Spar, Via Italia).

Casino Shopping and smaller version, Casino Shop (for stores with less than 350 square meters), may well flourish everywhere, if the group is satisfied with its test stores. After Marseille, a second will open in early July in Saint-Etienne, home of Casino, and eight small casino (in Lyon and Toulouse in particular) will be processed before the end of the year.The identity of the 1,800 stores, including "the grocer is a great guy" is fourteen years old and needed to be brought up to date.

Casino would react. Most of his competitors in fact lead the last two years an unprecedented drive to win in the city center, where the band Saint Etienne, which also owns Franprix and Monoprix, is in a strong position. Carrefour (City Express), Auchan (City and A 2 Step), Intermarché (Express) and Système U (Express) are all involved in a renovation or repositioning their format.

Deployment in 2012

"We take the time needed, the possible deployment of Shopping Shop and intervene only next year, wants to warn Jean-Pierre Lanzetti free business cards. The company decided to change many parameters at once.Employees are identified by their first names, the furniture is curved, the loyalty card enters and fresh produce, other than fruit and vegetables, are behind the doors are transparent, allowing the passage to reduce the energy bill of a quarter.

"We mainly worked on the set," says Jean-Pierre Lanzetti. Ranges and frozen drinks have been reduced in favor of fruits and vegetables and a large beauty department, which was missing in the Casino supermarkets. Creams, mascara and brushes already represent 15% of revenues Shopping Marseille. Of the 9000 references proposed products snacking Chez Jean (another sign of the group being tested since early 2009), and decorative packaging items from many parts of France. One can even order his coffee machine via a touch screen.Ultimately, this approach to extend the offer could affect other products.

To combat the image of dearth of supermarkets in the city center, prices have been reduced "from 15% to 18% compared to an equivalent Petit Casino," says the general manager of the branch nearby, betting on higher volumes .

The company has another trick: it forms partnerships with its suppliers to its customers enjoy benefits fidelity on Kronenbourg beer or cookies BN: "We have 100 partners to date that offer our clients 10 to 25 % discount, by September we will have 400, "says Jean-Pierre Lanzetti.

Who would have thought the always cautious Jean-Claude Trichet capable of launching such a stir in Europe? Five months after the end of his term as European Central Bank (ECB), the Governor, who found himself back on Thursday a prestigious award in Germany for the title of his contribution to European unification ", took the opportunity to deliver a will in the form of scathing: "Would it be too bold an economic standpoint, a single market, single currency and a single central bank, to consider a finance minister of the Union?" A proposal which requires no more or less, to revise the European Treaties … This hypothetical finance minister, seen by Jean-Claude Trichet, should ensure that each Member State's compliance with fiscal rules and competitiveness criteria dictated by Europe . And if this is not the case, it would have means of intervention.In short, what elicit strong reactions from Member States, always jealous of their sovereignty. However, the governor insists that wiped the plaster of the single currency, "interdependence means that countries do not have full internal facto authority. They may experience crises caused entirely by the adverse economic policies pursued by others. " Clearly, the worst loss of sovereignty is not accountable to a European authority, but to see its economy to its knees because of the excesses of its neighbors, such as Portugal just made the bitter experience business card.

A veto

The Greek debacle – Jean-Claude Trichet was careful not to comment directly – is at the heart of his argument. How to avoid crises in the euro area? With more monitoring. But also how to manage them when they erupt? Much more proactive."In the current scheme, all decisions remain in the hands of the country concerned", said the central banker, hoping to capitalize on annoyance with the efforts judged inadequate in Athens.

In the future, he advocated a policy in two steps to help struggling countries. "At first, it is justified to offer financial assistance in the context of a strong adjustment program. It is appropriate to give countries the opportunity to redress the balance for themselves and restore stability. "But if that does not work, the Governor argues for a direct influence of Frankfurt and Brussels."One might imagine that the European authorities have a right to veto certain decisions of economic policies." Of the major tax expenditures, for example. In short, if in Aachen, Jean-Claude Trichet cited bulk Erasmus, Victor Hugo and Kant, it was the accent of Martin Luther King that animated: after eight years at the ECB, the Europhile could have concluded " I have a dream "…

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British phlegm is not what it was. Exasperated by American diplomats who refuse to pay the London congestion charge ", the congestion charge in place since 2005 to move or to park in the capital, the conservative mayor of London, Boris Johnson, has decided to directly attack the President Barack Obama.

Taking advantage of his official visit this week in Britain, he decided – not happy with him claiming some 8.7 million euros in arrears – all cars of the procession would pay tax like everyone else. Starting with the Cadillac of Chief of the U.S. state, nicknamed "the Beast" by the Secret Service because of his size and armor that are, according to experts, a real tank on wheels.Transport for London, the agency responsible for managing the toll, which depends on the mayor, is trying to calculate the bill at the rate of 11.50 euros per day per vehicle.

The Pope, himself, had nothing to pay in September 2010 but says Boris Johnson in the Evening Standard, the roads were closed to other traffic, while this time, they were not . And beware of other heads of state who want to go to London! All diplomatic missions should in fact the tune of 59 million.

What partly explain the irritation of the elect, who has seen the end of March a half-million English between Westminster and Hyde Park to protest against cuts in the government.

A video of Figaro easy payday loans.fr

The NYSE playing yoyo on Thursday. After starting down (-0.20% for the Dow Jones), the indices reflected the upward path. About 20 hours in Paris, the Dow Jones gained 0.48% at 12,691 points, the Nasdaq is 0.56% at 2861 points and the S & P advance of 0.51% to 1349 points.

This return is in the green at the same time as the rise in oil prices. The latter, who had also opened lower at 96.96 dollars, recovered after a sharp color correction yesterday. On the New York Mercantile Exchange, the price rises to $ 99.

Caution remains formatting: "Concerns about Europe and the debt crisis with the International Monetary Fund warning of a risk of contagion from the situation in Greece, indicators Chinese earlier this week, The warning from the International Energy Agency on oil demand, it all comes out at once and shower market, "said Phil Flynn of PFG Best Research.

Greece worries

The fiscal situation in Greece still disturbs the meeting. Thousands of Greeks have shown Wednesday, the day of general strike against austerity measures and privatizations decided by the government that seeks new international aid to avoid a debt restructuring of the country.

In the wake of these events, the euro fell sharply against the greenback, falling below $ 1.42 Wednesday. But about 20 hours, the single currency rises.The euro bought 1.4266 dollars at that time against 1.4193 dollars late Wednesday.

Retail sales and producer prices

On the macroeconomic front, retail sales rose slightly less than expected in April in the U.S. (+0.5% against 0.6%), posting their smallest increase in nine months as rising prices Food and fuel accounts for household spending.The producer prices have increased them by 0.8% in April according to figures released Thursday by the Labor Department, more than expected by analysts who had forecast 0.5%.

New jobless claims fell to 434,000 during the first week of May, according to figures released Thursday by the Labor Department, down nearly equal to the unexpected increase in the previous week.

Finally, business inventories rose more than expected in March, while sales posted their largest gain in a year, suggesting that first-quarter GDP will be revised upward, said Thursday the Commerce Department.Inventories rose 1.0% to 1.476 billion dollars, its highest level since November 2008, while economists polled by Reuters had waited an increase of 0.8%.

The side of values

The oil companies, heavyweights rating penalized yesterday by falling prices, contributing to their rise on Thursday. Thus, Chevron gained 0.66% to 102.936 dollars and ExxonMobil up from 0.38% to 81.43 dollars.

Cisco has unveiled for the fourth quarter of 2010/2011 a turnover of 1.67 billion, up 9% and net profits tax of 168 million dollars against 184 million last year. For the current quarter, the software company believes that business prospects are mixed and the current quarter will be "low" according to the leaders. The title loses 6.02% to 16.72 dollars.

The publisher of security software and antivirus software, Symantec (3.40 to 20.07 dollars) has announced earnings per share of 38 cents against 36 cents expected by analysts, and a turnover of 1 , 67 billion also exceeded expectations of analysts who had forecast $ 1.6 billion.

Google Internet group (-0.80% to 531.15 U.S. dollars) will launch next month the first computers using its new operating system chrome, representing a total challenge to the business model of Microsoft with its Windows system.These computers manufactured by Acer and Samsung, will have the distinction of having the browser Chrome only software preinstalled.

The U.S. internet group Yahoo! (-1.51% To 16.95 dolars) is still buffeted stock exchange after revealing that a subsidiary of the Chinese payment service online Alibaba Group, where he has a major stake, was passed under the control of boss Jack Ma of Alibaba

The rating agency Standard and Poor's said Wednesday evening that she fell a notch to "BBB", the note of U.S. chemicals group Dow Chemical (-1.23% to 38.52 U.S. dollars) with a stable outlook, due to the progress of its results and its prospects for debt reduction.

Also note, the leaders of telecom operators AT & T and T-Mobile (+0.13% to 31.42 dollars) clashed Wednesday night on U.S. lawmakers skeptical of their merger at $ 39 billion, announced in March . "Now four companies control nearly 90% of the national market of mobile telephony," said Democratic Senator Patrick Leahy. He called the competition authorities and Communications to conduct an extensive review of the transaction.

"This is another step," said Chris Viehbacher, CEO of Sanofi-Aventis Business on BFM on Monday morning. A month and a half after formalized the acquisition of U.S. biotech Genzyme, the pharmaceutical company announced on Monday morning having met 84.6% stake in its target (number of shares), after the close of the offer on April 1.

For late or indecisive, Sanofi-Aventis has announced the reopening for four days after the offer of 74 dollars per share, beginning this Monday, April 4 and April 7, 2011 Termier at midnight, Paris time. With this announcement, Sanofi-Aventis loop thus one of the most difficult acquisitions in its history. More than eight months of stock market battle will have been necessary to convince the board of directors of Genzyme.

End of an eight-month battle Market

More than the interest of the reconciliation, Henri Termeer, Genzyme's CEO questioned the price offered by the French, hoping to raise up the auction. A successful challenge, the champion tricolor pharmacy having finally sold, raising its offer from 69 to 74 dollars per share, together with a certificate of conditional value (TRC).It could reach 14 dollars per share based on sales performance of Cerezyme and Fabrazyme, two major products of Genzyme, which has experienced serious production problems, but especially those of Lemtrada, developed an anticancer drug against multiple sclerosis, and could become a future blockbuster (drug of over one billion euros in annual sales) Same day payday loans.

So it's a big step forward for Sanofi-Aventis, which has just spent over $ 20.1 billion to afford the latest nuggets still independent of biotechnology. And this redemption, the laboratory with one stone two birds, reinforcing both in biotech, where despite efforts in recent years, he remained behind. In addition, Sanofi-Aventis is increasing in rare diseases, where it was virtually absent.

Preserve the culture of Genzyme

"This operation is Sanofi-Aventis the world leader in biotechnology, alongside our leadership position in vaccines, has also said Chris Viehbacher Business on BFM this morning. For if the French had been dethroned in 2010 by GlaxoSmithKline in the sector, it still aims to double its sales of vaccines for the period 2008-2014, to bring them to more than 5.7 billion euros.

In the meantime, the acquisition strategy very offensive Viehbacher crisis should be put in parenthesis, the leader now want to concentrate on the restructuring of research and development. A crucial step in integration, when we know that the corporate culture of biotechnology in particular is one of the key success factors.The rush too hastily would then lose to Sanofi-Aventis which is the productivity of research teams of its target.

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Will it or not a meeting of the Congress of Versailles before the summer, for in the Constitution the "golden rule" of balancing public finances? The President of the Republic, supported this reform inspired by German institutions, wants to go fast.

On Monday, a minister even believed that Parliament would be convened at Versailles "by this summer." "The Elysee has asked the government to work in the preparation of a Congress by this summer. The date could be decided this weekend, after arbitration meetings, "said Patrick Ollier on Monday, Minister for Relations with Parliament. He said that "it is the nature of Nicolas Sarkozy to face the obstacle." Referring to the fact that approval of this text does not come naturally.But this Monday evening, the entourage of the Head of State did not confirm this hypothesis.

"Political"

The executive would like to pass this constitutional amendment before the Senate elections in September, when the left hoped to take the majority. But he must first obtain a vote in accordance of Assembly and Senate and three-fifths vote in Congress. Now the Socialists have already said they oppose the idea of incorporating into the Constitution the fight against the budget deficit.

This hostility makes it difficult to obtain a three-fifths majority vote of Parliament, required to Versailles high risk personal loans.In the previous constitutional review in July 2008, the text had been approved by two votes.

"The need to reduce deficits is primarily a matter of political will," said former minister Michel Sapin, the Socialist Party national secretary for economics to justify the group's opposition to the socialist constitutional reform.

The centrists, who have always waved the banner of the fight against deficits, are a priori in favor of such reform. "The direction is good, but it is as much a matter of political will that Constitution," said Jean Arthuis, chairman of the Senate Finance Committee, which wants the program law provided by the multi-year deals with three years rather than five years.

Assuming that the reform is not adopted, Sarkozy would find it easy to carry responsibility for the Socialists, a few months before the presidential election, the failure of a reform designed to fight against deficits.

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With a turnover of 2.35 billion euros in 2010 ($ 3.11 billion), up 22.5%, French JCDecaux has delighted the world leader in outdoor advertising in the U.S. Clear Channel Outdoor (2.8 billion).

Le Figaro. – This world leader is a symbolic?

Jean-Charles Decaux. – This is a milestone in the development of the business created from scratch in 1964 by Jean-Claude Decaux. We are the only media company in the French world leader. Beyond the symbolism, which is involved in the crisis, this leading position is mainly the result of a long strategy. Winning this alchemy is, firstly, our boldness in innovation of products and services on the other hand, the growth in street furniture and transport and, finally, our large exposure in emerging countries.China, for example, become our second largest country in terms of sales worldwide. Our ambition is to achieve 25 to 30% of our business in emerging markets by 2015, against 23% today.

This milestone was also passed through many acquisitions?

After the acquisition of major strategic Futures in 1999, which we displayed in billboards and transportation, the group has made numerous acquisitions in Austria in 2001 and in China from 2005-2006, then in Great Britain Titan and Germany with Wall in 2009 business card. This development, which has led to our position on trades and fast-growing countries, has done while maintaining rigorous financial discipline.JCDecaux is, by far, the group least indebted sector.

JCDecaux does he need to strengthen in certain occupations?

JCDecaux is a world leader, who manages more than 1 million advertising panels in 56 countries, but our market share of less than 13%, a market estimated at more than $ 20 billion. The ability to grow is therefore real. And this, especially since we are worn in the street furniture by the desire to equip cities and local communities. This demand is global and does not slow. Similarly, in transportation, we are led by the vast modernization of trains, subways and buses. And airports benefit from continued growth in passenger numbers worldwide.

The digital he drilled in your job?

The digital represents less than 5% of our entire industry. Three years ago, it did not exist.This, again, an opportunity for growth. After having launched a large-format digital in Britain and Germany, we are working on projects for France as soon as the law allows. The digital messages can sell by time slots, to segment audiences, create events and expand the creative capabilities of our media.

The complementary health often promise more than cover the higher fees, with rates of care by 200%, 300% or even more attractive rates … but, in practice, sometimes disappointing. Indeed, what will be reimbursed to the patient does not depend solely on reimbursement rates displayed, as we tend to believe, but also the basis for calculating the rate. And then, nothing is simple. Travel to country of Ubu.

How does it work?

For routine care, and supported by the foundations are set for reimbursement of health insurance (BR) or the rates of agreement (TC): 23 euros for example, consulting a specialist in the course care. Here, the rate of repayment of Social Security is 70%: therefore, an insured receives EUR 15.10 *, including excess fees if applicable.

Then the complementary health: a support displayed 100% of the BR (unless otherwise indicated, reimbursement of health insurance is always included), the insured receives 6.90 euros, with 200%, 29, 90 euros * (200% x 23 euros = 46 euros – 15.10 euros *) and so on, knowing that only a contract guaranteeing 300% ad minima of BR or the actual cost (FR) commitments makes in the assumption of a consultation to 50 euros, a full refund. Therefore not easy to decipher contracts unless doing a calculator in hand.

Dentistry the poor relation

For expensive care, things get complicated because the rates of Responsibility (TR) are much lower than the expenditure: EUR 170.50 for example a dental crown, which costs 900 euros on average.

Result: With an additional 100% showing that mysterious liability costs, the patient pays 792.50 Euro!.And even with a 300% advertising contract, which remains dependent remains high: 577.50 euros (considering reimbursement Safely 75.25 euros and that of mutual 247.25 euros.

Hence the value of packages (500 euros, for example) that are added directly to paying social security, provided they are granted by deed and not for a year.

Why make it simple …? For a little more obscure jungle refunds, another method of calculation is sometimes put forward: the refund is then expressed in terms of the HSMP (maximum monthly Social Security or 2946 euros for 2011). Again, beware of disappointments because of the HSMP 5%, still a crown, it is … only € 147.30.

One advice: forget the percentages and have systematically numerical simulations. The only way to get around.

* Minus the deductible 1euro