At a time when competition in the market for online savings, Cortal Consors wants to restore the voice. The BNP Paribas subsidiary specialized in savings and online brokerage has launched an image campaign, which aims to strengthen its reputation. She recalls in particular that it was behind several innovations on the savings market, including the marketing of all mutual funds. The property line puts the means of communication with a budget increase of 30%. "In recent years we have invested less than our competitors," admits Gommard Benedict, CEO of the brand which claims 530,000 customers and hopes to reach 25,000 to 40,000 per year.

Through this campaign, Cortal Consors stands out from most of its direct competitors (BforBank, ING Direct, Fortuneo …) focusing on the custom board heritage.And by offering a savings account paying 3.25% for one year (2.23% net), while the majority of promotions for new customers rising to 4% or 6% gross for three months. The online bank hopes in this way retain investors increasingly fickle, quick to hunt for bargains.

Customers rather rich

Especially since the savings market is fought. Online banks, which have made their product booklets of conquest (according to a survey Credoc Monabanq, 56% of their clients have at least one) must now cope with the onslaught of traditional banks. "We have more difficulty in asserting our difference," says Andre Coisne, CEO BforBank, a subsidiary of Credit Agricole.

Involved? The new prudential rules (known as Basel 3) requiring that in future banks have more capital and assets easily accessible, thus more "liquid". Result, they direct more savings to their customers bank books and other deposit account. During the first 4 months of the year, the booklets were not controlled and drained about 10 billion euros in savings.

To remain competitive, banks multiply the distance marketing innovations (promotional rates reserved for first customers …). They want so optimistic. Especially since, according to the study of Credoc, "nearly 31% of customers would consider it as their main bank." Customers even more interesting because they are financially above the average rather rich, young, Parisian and graduates.They also hold more financial products than the average …

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All real estate transactions involve the payment of notary fees. The note, which is completing the acquisition process where the buyer is usually borrow more or less important to his bank, still seems a bit expensive … especially if one confuses notary fees, and fees. Fees, expenses, registration fees … Mazodier Carolina, a journalist with the monthly individual, decrypts the invoice.

The player has to use default in the articles of figaro.fr. maj1

Waive the RSA, no, perfect it, yes. After the turbulence caused by Laurent Wauquiez, the government has found his line of conduct. Or rather found, since it is the mission entrusted weeks ago in UMP Marc-Philippe Daubresse, which must balance its work in July. The minister in charge of the case, Roselyne Bachelot, already offers a line of improvement: "Simplifying the system horribly complex," she said yesterday on RTL. For example by creating a "single window" for beneficiaries, shuffled to the General Council in family allowance fund, through the employment center.

Another track, "merge" the Solidarity labor income and employment premium (EPP). This device, too, intended to encourage work, but passes through tax (reduction of income tax or check the state of the taxpayer when it is exempt).Benefit those whose homes have reached a certain level of resources the previous year, while drawing a minimum income from work … his "merger-acquisition" with the RSA had already been considered in the creation of this last.

PEP has indeed several flaws. First, its effect is limited. Because it is paid with a lag of two years and is sprinkled over 7.7 million homes: Some recipients receive only a few dozen euros. Then this is one of the costliest tax loopholes: nearly 3 billion expected in 2011.

Strengthened support

These defects did not disappear with time. And with the RIAA, has added a problem of readability. The two devices are not cumulative, but the better of two applies to the beneficiary.Example given by the Ministry of Solidarity: A single mother working a full year at minimum wage full time receives 23 euros per month from RSA … then at the end of next year, 912 euros in EPP. For the same cost, it would have been simpler and more incentive to pay 99 euros every month from RSA. This was always called the "father" of the RSA, Martin Hirsch. He had opposed Pierre Mehaignerie. Chairman of the Committee on Social Affairs of the Assembly was concerned that the beneficiaries of the EPP – tax measure – feel "downgraded" through the RSA-welfare. He now considers a merger EPP / RSA "tenable, provided it is controlled in a decentralized manner, as close to the ground."

In the spirit of Roselyne Bachelot, things are clear: if the PPE was merged or restructured, recovered the money would finance a strengthened support for job seekers or strengthening the "RSA-activity" (that paid working poor). In no case would go to higher RSA-base, that is to say the old RMI, the epitome of the assistantship for much of the right. A close case highlights a problem to be solved rather supports the RSA part-time workers, PEP workers full time. Please do not forget them in the operation. The project, if realized, could be voted in accordance with the laws of finance, at the earliest in the fall.

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It is an umbrella of a particular kind enough since, in addition to a shower of rain or hail, it can withstand a launch pavers, bowls or other knives, but also to fire or acid. The "Parapactum, presented this morning at the salon in Paris Made in France, has been adopted by the Security Group of the President of the Republic. It is manufactured by True Cherbourg, a small set of twelve fifteen years ago in the Cotentin.

Contrary to what might suggest images of film, it did not exist previously manufacturing umbrellas in Cherbourg. Moreover, the quarantine of French specialists of the time, there are only four. The vast majority of four million items purchased each year in France are imported from China.

Former photographer and businessman, Jean-Pierre Yvon has decided to fight against the current.He chose the beginning of the invasion of China staged a French manufacturer, in Cherbourg, financed by selling the family mansion.

"At Cherbourg, it's raining, windy, says that original contractor. I wanted to do the "Burberry" umbrella, emphasizing quality over volume. He sells between 10,000 and 15,000 pieces per year for a turnover of almost one million euros no faxing payday loans. The beautiful work, handmade, sold between 100 and 350 euros each. But that does not return to the slightest breeze.

More than a year of research

The Real Cherbourg has its supporters, faithful regulars Bon Marché in Paris or a dozen other retail outlets in France and Japan. The brand already fitted to the Elysee in golf umbrellas.It is therefore natural that Jean-Pierre Yvon, joined by his son Charles, a graduate in physical sciences, has answered the call for bids for the Technical Centre for Homeland Security to develop a model for protecting dignitaries.

It has invested around 200,000 euros and received support from OSEO. The Parapactum took more than a year of research and has been tested to withstand winds of 168 km / h in the wind tunnel of the Institute of Aeronautical Engineering St. Cyr l'Ecole. There were risks: "Every time I showed a prototype, he refused to open or broke it," says Jean-Pierre Yvon. The special materials used, developed with companies who work for the defense, are top secret. A dozen copies have already been ordered by the authorities. Price: between 6000 and 12,000 euros, depending on options (types of materials).

Roselyne Bachelot, the Minister of Solidarity and Social Cohesion, which is working on a report on the dependency they deliver to the President of the Republic in June, wants a France of "Benevolence and Welfare." In an interview in Paris this Saturday, the manager discusses the upcoming launch of a website that will list all retirement homes in France and their tariffs, to cope with the "obstacle course" facing the elderly and their families for access to these institutions.

Quality indicators next year

"Like I formalized indicators in hospitals, I am setting up of quality indicators in facilities for seniors," said the minister in daily newspaper.Will thus be taken into account in these indices, among others, the struggle against "nosocomial infections, quality hotels and restaurants, and the ratios." Such figures should be available next year , she plans.

Note that last July, the Hospital Federation of France has launched a website (retraite.fr-houses) dedicated to the care of the elderly. On this website, each sheet contains qualitative information about the nursing home concerned. Further practical information (address, price) are shown including the number of patients per caregiver, the degree of dependency supported, comfort criteria, the presence or absence of a psychiatrist or a therapist ….

Addiction is one of the big issues of government while con cost is estimated at 22 billion euros per year, including $ 11 billion to the burden of Medicare and $ 6 billion under the APA, the allocation custom for autonomy. Especially as we come to the end of generations of hollow 1914-1918, which should have been dependent in recent years, and the baby boomers become dependent from roughly 2025. Hence estimates of 30 billion euros in annual cost to run.

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This is one of the last players on the French toy market. Jemini – which manufactures and distributes soft toys, small furniture and accessories for children to color Spiderman, Dora the Explorer, Winnie the Pooh and Barbapapa – goes into high gear. A year after merging with another business sector, Spel, it will go public next February 24 (Thursday). The group, which displays several years growing at double digits, yesterday announced Monday it has raised € 6.8 million private placement as part of its forthcoming entry on the Alternext market, where it will initially be valued more 38 million euros.

The aim of the group that conducted last year 40% of its turnover (about 37 million euro) for exports, is to accelerate external growth, particularly internationally.Sylver Amouyal, president of Jemini, acknowledged having "several cases in the pipeline, the European companies from 5 to 10,000,000 euros in turnover. Great Britain, where the contract of the license is 1.5 times higher than in France, is among his targets.

Jemini is unknown if the general public, its products are essential in supermarkets and specialists in the toy. Including at Conforama where Jemini is distributed over a year. Since its inception in 1986, the group has focused on the manufacture of soft toys, tableware, watches and furniture licensed around thirty characters.This market, driven by the small and big screen, now represents one quarter of toy sales in France.

Rattles pharmacy

"Jemini was one of the first to get Hello Kitty at the right time, with a true reflection on the offer to create," says Natalie Chouraqui, who co-directs Kazachok specialist license. Meanwhile, with more than 30 million euros in turnover, the small Japanese Sanrio cat became the first license in the toy. Anxious to mix new and "good value" Jemini just signed with the beneficiaries of the Smurfs will be back on center stage next year in a feature film. Jemini also sign lint Maya the Bee come back rejuvenated in 2012.

Known for the design and quality of its products, Jemini designs its prototypes in his studio in the Sarthe and has them made in China.The group now wants to convince its know-how to another distribution channel, the pharmacists, long wary of toy manufacturers. Rattles, dinner and door-nipples have been successfully tested in hundreds of outlets. The cub Lulu Castagnette be among the group of new licenses. Jemini expects its range of childcare up to 12 million turnover within three years.

The bosses have morale, but are somewhat less optimistic in February than in January. The business climate index fell two points on the month at 106 points, according to Insee. A level still above the long-term average (100). The business sentiment remains "somewhat favorable in the retail trade" (105 points), but "hesitant" in the building (99 points), according to the National Institute of Statistics.

"Only the services sector is this month a further improvement in its business climate," says the National Institute of Statistics. In one-point increase every month since December, rising to 104 points in February. Entrepreneurs in the services believe they have created more jobs in recent months and have revised upwards their employment prospects.

In industry, the bosses are somewhat less optimistic than the previous month, the index lost 2 points to 106.The balance of opinion remains "well above its long-term average," said INSEE. "The order books are down overall, while remaining at a proper level, it has been noted. However, manufacturers benefit from strong exports.

U.S. stock markets failed to bounce back Tuesday. In the wake of a meeting for nothing, they have evolved in the red all day before closing in negative territory. The Standard & Poor's 500 and Nasdaq 100 down 0.32%, respectively, to 1328 points and 2804 points to 0.46%. For its part, the Dow Jones fell back from 0.34% to 12,227 points.

This reflects the gloom battery indicators mixed, published during the session:

– In January, import prices surged due to a further rise in energy costs. They rose 1.5%, almost almost twice the consensus forecast (0.8%).

– The index of homebuilder sentiment has emerged unchanged in February at 16, as in January and in line with analysts' expectations.And for the fourth consecutive month, according to data released Tuesday by the National Association of Home Builders (NAHB) and Wells Fargo Bank.

– In addition, Empire State index measuring industrial activity in New York came out slightly below expectations, despite a faster rise in February. He climbed to 15.4 against 11.9 in January, its highest level since June, but 1inférieur the 15.5 expected by analysts.

– U.S. business inventories rose slightly more than expected in December, while sales rose 1.1%, announced Tuesday the Commerce Department.

– Meanwhile, retail sales began the year with great enthusiasm after the sharp increase in fourth quarter 2010. The 0.3% increase recorded between January and February is the lowest in seven months, and well below the 0.5% expected by analysts.

– The United States has also attracted less net capital flows to long-term in December: 65.9 billion, after 85.1 billion in November.

On the foreign exchange market, the euro was still up against the dollar on Tuesday, buoyed by the German figures reassuring despite persistent pressure from concerns about the fiscal health of fragile area euro.À the close, the euro was worth 1.3483 dollars, after falling in the day from Monday to 1.3428 dollars, the lowest since three weeks.

Marriott will split into two listed companies

Marriott International, 1.15%, to 41.47 dollars

The hotel group said Monday after trading its intention to split into two publicly traded company, with one side of the other hotels and timeshare operations.The new entity specializing in timeshare brands will use the Marriott and Ritz-Carlton, while Marriott International will focus on the activities of hotel accommodation, including franchisees. In 2010, the timeshare industry has posted a turnover of 1.5 billion made on 71 sites with over 400,000 multi-owner and approximately 10,000 employees. After paying a special dividend, the Marriott family should hold 21% stake in each of the two companies split. The group also reported a quarterly profit increase, the economic recovery accompanied by an increase in business travel.Net income for the fourth quarter was $ 173 million or 46 cents per share, against 106 million or 28 cents per share, a year earlier.

Fedex: 2.13%, to 95.99 dollars

The group messageriea lowered its targets for the current quarter The group now expects earnings per share and 90 cents entre70, fork down 25 cents.The group says that performance-cons by harsh climatic conditions and rising fuel prices explain this.

Chevron: -0.66%, to 96.31 dollars

The oil company was fined a total sum of $ 9.5 billion for pollution caused by Texaco (bought by Chevron) in the Ecuadorian Amazon, "said plaintiffs' counsel in revising upward the amount .

NYSE Euronext: -3.35% to 38.13 dollars

Also note, while boards of directors of the exchange group NYSE Euronext and Deutsche Börse in talks for a merger, may announce an agreement soon on Tuesday, the press reported a possible offer by the Chicago Mercantile cons Exchange (CME), the world trade in raw materials.

Genzyme: + 3.53%, to 74.30 dollars

The series Sanofi Aventis / Genzyme continues.A merger agreement between the French laboratory and the American biotechnology should be signed shortly. Sanofi, however, should extend its offer a third time on Genzyme and continue along its negotiation. The expiry of the offer is midnight New York time on Tuesday or Wednesday 6:00 pm Paris time. In Paris, the title of Sanofi-Aventis rose slightly from 0.13% to 49.99 euros

The euphoria of the excellent results posted by Hermes and LVMH seems to have appeased the spirits. Both groups are waging a war of trenches since Oct. 23, when LVMH reported holding more than 17% stake in Hermes, a stake raised to 20.21% since.

"I think we must stop this war," confided Thursday Patrick Thomas, the manager of Hermes, in Challenges. "Our investment is very peaceful and aims to be a movement of family support and strategy," insisted Friday Bernard Arnault, boss of LVMH. The latter is certainly still make its voice heard. "We are a shareholder peaceful but not passive, he warns.We want to be an active shareholder, but we will not be a shareholder activist. "The tone is less virulent than early November, when Thomas and Patrick Bertrand Puech summoned Bernard Arnault to" withdraw "and that it involved the management Patrick Thomas.

In recent weeks, the highest state authorities, concerned about the image of the Paris, had recommended the two parties to stop s'invectiver, until the courts decide their disputes. First, the AMF investigation for several more months, the conditions of the rise of LVMH capital of Hermes.On the other hand, the Court of Appeal of Paris will decide, earlier this summer, the exemption granted by the AMF to the heirs of the family Hermes, who want to establish a holding company owning more than 50% stake in saddle without launching a takeover bid on all the securities thereof.

In the meantime, both parties might have an interest to enter into discussions to find a modus vivendi. " Especially as the heirs Hermes and LVMH ensure all be present in the capital of Hermes for "the very long term." Officially, no negotiation is involved. But according to our information, contacts were made between LVMH and Hermes for ten days, bankers and lawyers interposed boards. And slopes are emerging, which could foreshadow a possible common ground.

Possible partnerships

Hermes side, Patrick Thomas is concerned about the narrowness of the floating action of cowhide.LVMH has acquired 20% stake, the family controlling 73%, the balance of securities on the market is too small for the other shareholders receive a quality market. He gave an indication Thursday that he believed "would float of 15%."

This certainly implies that LVMH reduces by 20% to 15% its stake. But nothing would prevent the group to stand next purchaser of the securities that the heirs would eventually Hermes in the market. Each year, there may be an "erosion" of a few tenths of a percentage point of their participation, according to individual needs. For his part, Bernard Arnault LVMH proposed yesterday that could "make a number of benefits at strategic and operational, without further consideration that our current involvement."Hermes and LVMH could therefore build partnerships that would not touch the heart of their identities, such as real estate or buying advertising space. The views are far apart, but the groundwork for a possible dialogue are asked.

After an opening in the red, the CAC 40 was the yo-yo around equilibrium without clear direction from frankly before declining. The CAC 40 lost 0.87% to 3870.45 points. At the London Stock Exchange, the FTSE-100 fell by 0.67% to 5,979.46 points and Frankfurt Stock Exchange, the DAX 0.52% to 6945.15 loose points.

These hesitations are expected to continue until early afternoon. Investors are waiting in effect until 14:30 the publication of unemployment figures and employment for the month of December in the United States.

Economists polled by Reuters expect 175,000 new jobs outside the agricultural sector for the month of December. In the aftermath, the Federal Reserve chairman, Ben Bernanke, must speak before the Senate Budget Committee.

On Thursday, the CAC 40 has canceled its gain of over 1% at mid-session, after the weekly claims for unemployment benefits rose in the United States.

U.S. employment and unemployment, European unemployment and GDP

On the macroeconomic front, after a miserly start of the week in news, the meeting will be hosted by a number of indicators.

In France, the trade deficit rose in November to 3.869 billion euros against 3.712 billion the previous month.

Are also expected index of construction costs and commercial rents in the third quarter (12 hours), and economic forecasting at INSEE for France in the first quarter 2011 (at 16 hours).

In the eurozone, the unemployment figures for November will be released at 11:00 and the third estimate of GDP for the third quarter (11:00).

United States, in addition to unemployment figures and employment for the month of December (1430), the consumer credit will be announced in 20 hours.

On the currency markets, the euro remains below $ 1.30 at exactly 1.2986 (-0.13%).

Record deliveries for Airbus

Against this backdrop of feverish, bank stocks are in decline: Societe Generale, which displays the largest decrease in the CAC 40 lost 1.86% to 41.36 euros, BNP Paribas 1.33% cowardly to 49.17 euros Crédit Agricole dropped 1.12% to 9.79 euros and Natixis yield 0.90% to 3.64 euros.

Renault: 1.37% to 47.46 euros

In the case of industrial espionage affects Renault, the automaker suspect a Chinese actor, according to information from Figaro economy.

GDF Suez: +0.40% to 27.62 euros

A spokesman for GDF Suez confirmed to AFP Thursday an information website of the magazine Challenges, that the group will abandon stock options. The device should be replaced by performance-related bonus shares in the group.

Hermes: 3.93% to 161.15 euros, LVMH: -1.39% to 120.20 euros

In the case of Hermes / LVMH, the AMF authorizes the Hermes family not to launch takeover bid for the entire group.

EADS: 0.16% to 19.11 euros

Airbus (EADS) achieved record shipments in 2010: more than 500 aircraft delivered to airlines Boeing 462 to cons.

Sanofi-Aventis: -0.10% to 50.23 euros

Sanofi-Aventis has announced the appointment, effective February 1, new leaders in emerging markets where the pharmaceutical company wants to strengthen.Patrick Aghanian will be responsible for the Eurasia region, Thomas Kelly of Asia, Heraldo Marchezini of Latin America and Jeremy Moulding of Japan and Pacific area.

Casino-Guichard: 0.05% to 72.93 euros

Casino Guichard now holds 99.6% shareholding in its subsidiary e-commerce Cdiscount.

Schneider Electric: 0.74% to 115.15 euros

Schneider Electric has signed an agreement to acquire majority shares of APW President Systems Limited, an Indian manufacturer of enclosures for the telecom and information technology.

Saint-Gobain 0.58% to 38.40 euros

The Dutch competition authority said it had fined 17.7 million dollars to several companies, accused of having formed a cartel in the glass, among which is the local subsidiary of Saint-Gobain.

Bourbon: -0.01% to 35.61 euros

Bourbon announced Thursday its decision to separate the roles of Chairman of the Board and Director General from 1 January 2011.Jacques de Chateauvieux therefore yield the reins of the operation to Christian Lefevre.

Axa: -0.19% to 13.47 euros

Axa Private Equity, the private equity subsidiary of Axa, is in exclusive talks with Bain Capital to acquire the French chemicals group Novacap according Agefi.

Dexia: -0.30% to 2.69 euros

Dexia has initiated the process of selling Deniz Emeklilik, its life insurance subsidiary in Turkey, according to Les Echos.

Arcelor Mittal: -2.44% to 27.59 euros

ArcelorMittal called Thursday evening to shareholders of Canadian Baffinland Iron Mines to accept its offer of 550 million Canadian dollars, considering it superior to that of Iron Ore Nunavut.

Thales: 0.57% to 26.66 euros

Canada has expressed a "strong interest" for the purchase of two vessels Mistral class manufacturer of DCNS, Thales which holds 25%, according to La Tribune.

Remy Cointreau: 3.77% to 55.10 euros

Goldman Sachs added Remy Cointreau to its list of preferred values and raised its recommendation from "buy," cons "neutral" before.