Greece goes into its paradox. Historic cradle of democracy, she is passionate as always in politics, as evidenced by the good turnout in the general election on May 6 (65% of registered voters turned out to vote). But this passion produces no power capable of meeting the challenges of the country.

Alexis Tsipras, the local Mélenchon, which has tripled its electoral score compared to 2009, refused to support a national unity government with Evangelos Venizelos, the leader of PASOK (Socialist), respecting the commitments signed fiscal discipline there are three months. The country has not always of prime minister, while the urgency has never been greater.  

Who will represent Greece at meetings of the Eurogroup and Ecofin Monday, May 14 and Tuesday, May 15? He would need a strong personality to defend with the granting of European partners in June of a $ 8 billion of loans. Who sit behind the flag to cross and blue stripes at the NATO summit in Chicago on May 20? An eloquent negotiator would be welcome if Greece wants to avoid that Westerners endorse the requirement of the Skopje government to appoint his country "Macedonia", to which the Greeks are opposed to historical reasons.

Patronage system

"I am very concerned (…) I appeal to the sense of national responsibility of all political leaders to reach agreement respecting the commitments of the country," said Friday the EU president, Herman Van Rompuy. But, late afternoon, the Greek political class had still not given a name.

Lucas Papademos, the technocrat in charge of the country for three months, went to see the President Karolos Papoulias to ask him to speed up the process of appointing a new prime minister. The former vice president of the European Central Bank is very concerned about the possibility of excluding Greece from the euro area, corroborated by the statements in the press of German Finance Minister Wolfgang Schäuble.

Oddly enough, the Greek population, which according to all polls are still mostly gained against the euro, does not include the requirements of its creditors, or their impatience at the slow pace of structural reforms opaque. "I did not vote for PASOK, this time launching Michalis, independent taxi driver, because it does nothing for my daughter when she has an engineering degree!" ….. …

In the patronage system prevailing since the arrival of the Socialists to power in 1981, there was a right of activists to put their children in the administration. PASOK has fallen from 43% to 13% of the vote between elections of October 2009 and May 6.

"In a country where youth unemployment exceeds 50%, the little people have no sense or do not vote more rationally! Says a Greek financier. The Greeks have lost confidence. Only the Chinese are constantly telling us they believe in long-term potential of the country! "

ALSO READ:

"Tribune: Greece, the economic crisis to political crisis

"Greece is threatened with political paralysis

"File: Debt of Greece, a challenge for Europe

These loans provide great help in these circumstances and if you are in need of immediate cash are a great option. Short-term cash loans provide you with fast cash when you need it most.

A unified regional contact

There are 26 Regional Health Agencies (ARS), the cutting may not be superimposed on that of the regions. Indeed, the distribution is developed based on specific characteristics and needs of each territory.

Each ARS multi-agency previously responsible form of dispersed health policy in the regions and departments:

– DRASS (Regional Directorate of Health and Social Affairs)

– DDASS (Departmental Directorate of Health and Social Affairs)

– The Regional Agency for Hospitalisation,

– The Regional Union of Health Insurance, which includes the main plans: general system, agricultural system and RSI.

Prevention missions, organization and management

The Regional Health Agency operates both in missions to regional dimension that the most local level. These missions are twofold:

– Management of public health in the region. This control is based on safety and health monitoring (environmental monitoring, epidemics …), in coordination with the prefect.

– The organization of health care provision. The ARS is involved both with local doctors and health facilities (hospitals, clinics) or medical social (retirement homes, homes for the disabled).

Improving healthcare services

The ARS has four main objectives:

– Reduce territorial inequalities in health,

– Better access to care,

– Improve coordination between health professionals and health institutions and medical social,

– Ensure greater efficiency in health spending.

The ARS are preferred partners of health professionals and local authorities, who endeavor to promote and coordinate actions.

Controlling health expenditures in all their aspects

The mission of ARS is ultimately optimize the allocation and use of health resources. That is to make the most of every dollar of budget committed to a regional health policy.

ARS also did they have programs priority risk management (GDR). For the period 2010-2011, we find among them including transporting patients, chronic renal failure, the hospital prescriptions drugs performed in the city, medical imaging or efficiency of nursing homes (residential homes for the Elderly dependent). The diversity of these measures reflects the breadth and depth of intervention of ARS.

ALSO READ:

"Health insurance: what's changing in 2012

"The medical questionnaire

SERVICE:

"For efficiency of your health insurance, ask the experts advice CPLUSSUR.COM

Fostering dialogue

The first rule in litigation is always trying to find an amicable solution by promoting dialogue. Also, after a finding, it is important to make contact quickly with the adviser or broker in charge of your case. This is an opportunity to obtain justifications and make your point of view.

This is unfortunately not the most common. However it is often popular with insurance companies and after clarification of the parties it is common to reach an amicable agreement.

Associate with other insured

If dialogue is not possible to reach an amicable resolution of the dispute, it may be worthwhile to use associations insured or consumers. This helps to make contact with others who are insured in the same situation vis-à-vis an insurance company. Often, litigation, unity is strength and it can exert more pressure on companies.

Think about the contradictory expert

Often, litigation auto insurance regarding the amount of compensation offered by the insurer. To the extent this amount is mostly determined by an expert, do not hesitate to ask an expert opinion. To do this, simply to mandate an automotive expert at your expense. If the contradictory expert reveals large differences with the report which the insurance company, a third independent expert will arbitrate the dispute.

Namely: the cost of third-party expertise are shared between your insurance company and you.

Hiring a mediator

Completely independent, the mediator of insurance and free intervenes as a last resort. Also, other remedies must be exhausted amicable and should not be any legal proceeding.

To take advantage of his speech, just submit the matter to the mediator of insurance by registered letter with acknowledgment. This folder should contain all parts necessary for the proper understanding of the dispute as well as information regarding the insurance company.

Note: the decision of insurance ombudsman does not require the insurance company but is a strong case if a prosecution should be initiated.

ALSO READ:

"Auto Insurance: choose its guarantee support

"Auto insurance: The guarantee of legal protection

SERVICE:

"Buddy up CPLUSSUR.COM by our experts to help you choose your best auto insurance policy.

 

At L'Oréal, the experts of pharmacy have finally managed to wake a sleeping beauty. After stagnating for years, sales of perfumes, soaps and body care Roger & Gallet jumped 19% last year, reaching fifty million.

The brand certainly still tiny compared to Vichy and La Roche Posay, the flagship of the active cosmetics division (DCA) of the world's leading beauty products. But it is a growth driver for the industry, with Inneov, Sanoflore and Skinceuticals.

The "perfume apothecary", created hundred and fifty years ago by Armand Roger and Charles Gallet, whose stepfather had bought the Glover case of Jean-Marie Farina, inventor of cologne, had its hour glory before World War II.

Restarted after its acquisition by Sanofi in 1975, she was abandoned when the pharmaceutical company took over Yves Saint Laurent perfumes, in 1993. "Roger & Gallet was not a priority at YSL Beauté," says Thierry Vidart, its current CEO, who works for the brand since 1995, and saw her go from Sanofi PPR (1999) and L'Oréal .

In early 2008, the king of cosmetics has offered YSL Beauté for 1.15 billion euros to strengthen its luxury division with a French perfume creator. He has since sold most other fragrances of YSL Beauté (Boucheron, Oscar de la Renta and Zegna), and retained the fragrance license Stella McCartney.

Ambitions in Brazil

It remained to determine the fate of Roger & Gallet, finally recovered in January 2010 by the active cosmetics division, which attempts to revive the brand, sold in pharmacies to 85% and 15% in department stores and perfumeries as Marionnaud.

The new management is doubling, with the aim of "creating the category of well-being by the perfume pharmacy," said Brigitte Liberman, patron of the DCA, and "a new offer to attract new customers to energize the circuit, "which progresses more slowly than the cosmetics market in France. Roger & Gallet products launched to rejuvenate its clientele, such as body care Sublime Oil and fragrance of Osmanthus Flower. Result: Sales jumped 22% last year in 5,000 pharmacies in France where the brand is present.

Roger & Gallet, which generates 85% of its sales in France, was also launched last year to conquer Europe's. It is present in 3,500 pharmacies in Germany, Italy, Spain and England.

It also operates 550 outlets in Brazil, second fragrance market in the world after the United States, with the ambition to make the country its third largest market in three years. "Our goal is to double sales within four to five years, reaching 100 million euros," says Brigitte Liberman.

ALSO READ:

"Growing Pains in Skinceuticals –

 

While political leaders promises to multiply the SME, 300 business leaders gathered in Evian (Haute Savoie) for three days, from March 22 to 24, during the fourth Spring Campus organized by the association CroissancePlus. They reflected a very real way on how best to grow very small businesses and SMEs to become medium-sized companies (ETI) employing between 250 and 5000 employees. "Growth is the foundation of everything. We must grow faster than its competitors to beat them, "testified Xavier Fontanet, former chairman of the board of Essilor, the world leader in the ophthalmic lens.

"In Germany, large ETI achieving over 500 million euros in turnover increase. They took advantage of a phenomenon of concentration. Seven out of ten bought a small business or a merger between 1996 and 2006, "noted Jacky Lintignat, CEO of KPMG. The French group Altrad, European leader of the scaffold (494 million euros of turnover), was embraced by making 45 acquisitions since 1985 in France and abroad. "Our goal is to double our turnover in the next four years," said Mohed Altrad, president of the eponymous group which opened its capital to three banks CM-CIC Capital Finance, Arkea Private Equity, a subsidiary of Credit mutual Arkea, BNP Paribas and Development and the Strategic Investment Fund.

But entrepreneurs are divided on the interest of bringing investors to accelerate their growth. The start-up Showroomprivé, which sells brands on the Internet, hosted the U.S. fund Accel Partners to expand internationally. "We must not fall into the hands of investment funds and the stock market go," he assured his side Maxime Holder, CEO Paul bakeries, one of three businesses Holder family group. A difficult experience with a fund in Britain, explains this desire for independence. "There is not DNA but the DNA for a company to succeed," commented Olivier Duha, president of CroissancePlus. To allow contractors control their business while allowing them to find money to grow, Jean-Louis Beffa, honorary president of Compagnie Saint-Gobain, has proposed that SMEs can benefit from "equity without right to vote. " The often difficult relationship between large companies and SMEs were also discussed. "Many SMEs do not dare connect to Danone. We must learn to work together, "regretted Franck Riboud, Danone CEO. There is a way to go. SMEs are often reluctant to approach some large groups because they do not always respect the law, including the supervision of payment periods.

ALSO READ:

"CroissancePlus challenges the candidates

"The industrial denounce tax competition

 

In these times of crisis, fuel prices at the pump are endlessly to climb. New records were achieved in France last week. Diesel, which represents about 80% of fuel sales in France rose to 1.4584 euro per liter, according to weekly surveys posted by the Ministry of Sustainable Development. It has surpassed for the first time his previous record dating from 2008 to 1.4541 euro.

As for gasoline, a liter of unleaded 95 (approximately 15% of French consumption of motor fuels) euro jumped to 1.6451 and that of unleaded 98 (5%) to 1.6883 euro, beating and both of their records dating back to the previous week, respectively 1.6211 and 1.6610 euro euro.

These sales prices at the pump are national averages calculated by the Directorate General for Energy and Climate (DGEC) from data provided by service stations. But they largely already exceed these levels in some places. Thus, the price per liter of MS 95 has already surpassed last week the symbolic threshold of two euros at the pump of a Parisian park payday advance online.

Since late 2011, gasoline prices beat record after record in France, powered by a dual effect of geopolitical tensions in the Middle East that keep crude oil prices at very high levels, and weakening of the euro against the dollar, which boosts the cost of black gold once its converted value in the single currency.

The surge in fuel prices, motorists hitting the portfolio, has elicited numerous comments and proposals from the candidates in the presidential election. The socialist Francois Hollande wants to block temporarily the price of gasoline, as an incumbent President Nicolas Sarkozy has described as "populism" and "demagoguery."

(With agencies)

ALSO READ:

"Why do Parisians pay their gasoline so expensive

"Fuels: the French adapt somehow

"How reducing its budget car? With The Private

 

Four years after the return at the helm of Jean-Paul Baudecroux, indicators of the NRJ Group are green. The station NRJ has returned to the second radio station in France and the pole made of TV NRJ 12, NRJ Paris, NRJ Hits has reached equilibrium. In 2011, NRJ Group posted a turnover of 377.5 million euros (+9.9%) and net profit of EUR 45.6 million (41.2%).

LE FIGARO. – In 2011, the results of NRJ Group rebounded. The dark years are erased?

John Paul BAUDECROUX. – This is the result of hard work on our four radio stations and our television. The sales grew faster than the market thanks to the work of our national and local advertising. Finally, careful management has allowed the net to rebound by 41%.

NRJ can it become the first radio station in France?

We aim to exceed legitimate RTL. I dream that the first radio station in France is French. NRJ collects 6 million listeners a day and all of our stations cumulative 12.13 million listeners per day. The bulk of the work of registration stations has been done and now there are some settings that will bear fruit in one year. On the station NRJ, all our slots have grown and Cauet, in the second season, capitalizing on its success. The morning of Manu made good scores and produce its full effect next season. He signed a contract for two seasons.

After seven years, the television division is finally balanced?

If the end of the year was better, the television division would have made money instead of just at equilibrium. Our channel NRJ Hits became the first music channel on cable and satellite and NRJ 12 is now the third TNT channel, behind TMC and W9 with an audience share of 3.8% on the target of 15-34 years.

Finally, you win money, why would reinvest in a new DTT channel?

Because I like to develop projects and we are not here to make financial transactions on the frequencies. As entrepreneurs, we prefer to construct heritage assets online payday loan lenders. If the Higher Audiovisual Council gives us an additional string, we will invest 110 million euros over five years. But that will strengthen our position in the advertising market. And, more importantly, it will devote our role as the fourth operator private broadcasting French. NRJ 12 already, we just launched the production of a daily French fiction whose 1st release is planned in September. The CSA has the option, giving us a new DTT channel, to rebalance the French media landscape in terms of advertising support for audiovisual production and pluralism around four main actors sound and sustainable.

You have submitted three projects announced chains but you have a preference for Darling HD. Why?

The President of the CSA and a counselor I have questioned my preference and I answered with complete transparency. But if the CSA gives us another channel, we will accept it as our three projects-My NRJ, Chérie Nosta TV and HD are all worthy projects. However, Cherie HD, feminine chain, a target audience of 25 to 49, which corresponds to that already addressed by our advertising. This will allow then to consolidate his power. Above all, we believe that our chain is the female who best meets the public expectations on TNT.

Your broadcasting subsidiary Towercast is it still for sale?

Towercast, which ensures the broadcasting of digital radio and television, thrives, conquered about 20% market share and posted strong profitability. And with the arrival of six new DTT channels in high definition, the broadcast market will continue to rise. We hope to enjoy. However, this asset is not in our heart of business and if an investor offers us a good price, I will examine the proposal.

ALSO READ:

"TNT: NRJ, M6 and TF1 defend their flagship projects

"The CSA consider 33 proposals for new Freeview channels

 

Greg Smith stormed out of Goldman Sachs and he indicated in a letter. As part of the bank has many grievances vis-à-vis his former employer. It considers in particular that the corporate culture built around teamwork, integrity and humility is not respected. Worse, he stressed that Goldman Sachs does not work for our clients but to boost its own profits. He said he heard company executives call their customers "puppets". He invited the leaders to challenge and to keep customers at the heart of their concerns. At last report, Greg Smith took care of products for Europe, Middle East and Africa.

For its part, the bank responded. "We disagree with the views expressed, this does not reflect how we manage our business," said a spokesman for the Wall Street Journal.  

Both say, this letter made the rounds of American media and social networks. SurTwitter, the reactions are numerous. Here is a selection of crispy from Internet users. First, that of comedian Seth Meyers who believes that reading the resignation letter is funny. Then, one of Heather K Mak who believes that this writing is a ray of sunshine. Finally, ironically, a Greek citizen said someone feels guilty, to Greg Smith my credit score.

This resignation letter Goldman Sachs is a fun read. nyti.ms/xt5H5D

– Seth Meyers (@ sethmeyers21) March 14, 2012

huge ray of sunshine Into the banking world from year former executive director at goldman sachs via @ @ and sustainnyc mchivot nytimes.com/2012/03/14/opi

. – Heather K Mak (@ heatherkmak) March 14, 2012

Finally, a Goldman Sachs Executive Speaks the Truth huff.to / zDVbAO via @ huffingtonpost Finally, somebody is feeling guilty!

– Vic Panagiotakopoulo (@ VPanagio) March 14, 2012

Other reactions go even further since a forged letter of response from the bank's president, Lloyd Blankfein, circulates:

http://www.borowitzreport.com/2012/03/14/a-response-from-goldman-sachs/

Not to mention the comments of a fellow Canadian and parody of the letter, entitled "Why I quit the empire," by Darth Vader.  

ALSO READ:

"The resignation of Greg Smith

"Great deals from Goldman Sachs

"Trade unionism between Goldman Sachs in Japan

Taking rang in Dubai, where the 2011 Air Show closes today. Contrary to the fears of some, Dubai 2011 has been a vintage correct with more than $ 40 billion of contracts (the rate catalog) reaped in four days by Airbus and Boeing. A good result after the fireworks of the Paris Air Show in June, which had resulted in some 100 billion dollars of contracts for only 72.2 billion Airbus.

Public debt crisis, threat of recession in western countries, job losses in banking, automobile … Nothing seems to affect Airbus and Boeing, who see a looming record year. Like ATR, the world leader in regional aircraft propeller, which flies from strength to strength.With three ATR 42-600 (50 seats) operated by the company in Dubai Siberian North Star, the manufacturer of Toulouse, a subsidiary of EADS and Finmeccanica, accumulated 148 orders since the beginning of the year. Historic levels for ATR and higher than the previous record of 2007 (113 orders). ATR now assumes 80% of the market for new aircraft from 40 to 90 seats, all confused engine (jet or turboprop).

With 221 orders and commitments announced in Dubai for $ 20.5 billion, Airbus also exceeded by mid-November 2011 its goal of 1,500 gross orders. "Our NEO A 320 was again the star of the show," welcomed John Leahy, Airbus chief executive, in charge of clients. Remotorisée version of best-selling Airbus to come into service in 2015, was commissioned to 130 copies in Dubai bringing its backlog to 1420 NEO.

In Athens

"Greece is entering a new era," commented George Papandreou during his press conference in Brussels. The Greek prime minister did not hide his relief in a speech to the nation on Thursday night. Greece was saved at the default. Among the measures adopted at European summits include the release of a new tranche of 100 billion euros and the deletion of 50% Greek debt, "voluntarily" from the private creditors (banks, insurers …). This debt and return to 260 billion euros, its level of 2009. The ambitious program of privatization has also been revised downwards. The objective is to privatize up to 30 billion euros by 2020 instead of 50 billion euros for 2015.

"It will not delay to send us these details," claims Vaggelis Haratsis, CEO of the company financial management Ahepef Beta. Holding a lot of Greek debt, local banks will be hit hard by the discount will be recapitalized and 30 billion to cash in shock payday loans no teletrack. This will involve probably the injection of public capital. "If the banks really are nationalized, it will be the key for several years. In the end, they pay the inability to manage the crisis by politicians, "said Vaggelis Haratsis.

In return for aid to Brussels, Greece has to accept an austerity to 2020 and ongoing monitoring of representatives of the European Union and the International Monetary Fund. Experts to settle in the country to monitor progress with reform and adjust if necessary.Only in this way we can avoid recession and reducing unemployment is at 17%. " It will also quickly overcome the social discontent, motivate the Greeks to return to work, to stop the strikes and occupations of government departments, and not to cheat on their taxes.