Photographers, cameramen, and around 70 MPs, including several tenors Socialists (Francois Hollande, Jean-Marc Ayrault) belonging to other committees, however … The Social Affairs Committee of the Assembly, Eric Woerth who auditioned Tuesday, just after presenting his plan to reform pensions in Cabinet, had on Tuesday an unusually busy. She was visibly much at the media-political context and the importance of the bill to the agenda. The audience was also gradually scattered throughout the session … And if the Left has repeatedly expressed its disapproval loudly – a ruckus usually reserved for the Chamber – is inside the text she attacked.

The fate of the Pension Reserve Fund has attracted the most virulent attacks.Introduced by Lionel Jospin and supposed to help pass the peak of demographic imbalance between contributors and pensioners, beginning in 2020, the FRR will finally be used to offset deficits in coming years, pending the promised balance by the government in 2018. "Your reform is shortsighted, accused DSK.The holdup on the Pension Reserve Fund is to penalize future generations. "

PS She also found that the device "hardship" (starting at age 60 with full rate, subject to a disability of 20%) returned to "say people who are disabled or sick are entitled to be recognized invalid or sick. "

"A good balance"

Labour Minister regretted the "distortions" and recalled that this device, combined with the long careers (early departure for those who started working before age 18) should cover 100,000 people per year in 2015, a new retiree on about six.Earlier, Eric Woerth was held, in an interview Capital.fr that the threshold of 20% was a "good balance", seemingly closing the door to a significant change – and potentially costly – on this point.

Not a word left, however, to challenge the alignment of the contribution pensions of officials on that of private sector employees.

The majority, she has power, supporting a reform considered "essential," "urgent," "fair" and "effective". Jean-Luc Préel however, raised a question: "I have some doubts about the economic forecasts that seem optimistic," said the member of the New Center.

Meanwhile, unions have reaffirmed their opposition to the reform, gathered before the Ministry of Labour hundreds of activists, including Bernard Thibault (CGT), François Chérèque (CFDT), Alain Olive (UNSA) and Bernadette Groison (FSU).

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With such high stakes - such as the future financial well-being of a family - choosing the correct life insurance policy is a very serious decision and one that requires deep thought.

The expectation of employees is very high, but the room for maneuver because it does not turn a ship as France Telecom as a racing boat. Stéphane Richard will therefore have to show all his talent to convince and mobilize, after months of crisis, France Telecom on its new project.

After requesting a "right of inventory" since taking office in March, the new strong man of the group presented on Tuesday his union business plan for France Telecom.

The economic, strategic and commercial details will be this Wednesday from 10:00 am to 16 30 to Saint-Denis (Seine-Saint-Denis) with a thousand top managers of the group, and journalists on Monday.

France Telecom insists that it is a collective project "coconstruit" with managers, employees, social partners, which have many meetings and other working groups in recent months.But the fact remains that everyone expects to see "leg" of the new boss, his strategy for France Telecom and its vision of the role of the operator, particularly in the content.

Highly anticipated the level of recruitment and the amount of investment, two key points, Stéphane Richard was evasive. He could announce additional recruitment Monday over 3500 planned for this year. "But the question of investment will remain raised until they fail to break the grip of dividend imposed the state shareholder. France Telecom has paid $ 3.5 billion dividend, "Sebastian responded Crozier. "The unions are a bit disappointed because we expected the dream of enthusiasm.But the good thing is that it makes every effort to revive the son of social dialogue, "he says.

"The people at the center"

"This project is out if only because it places people at the center because it reflects poorly on the ski-being in the company, the need to regain autonomy in work, "said Dominique Glemas, delegate SOUTH. "Budget allocations will be reallocated to the working conditions, simplification of information system. We are truly in a break with the era of Didier Lombard, very centralized. The priority now is to customers and employees, "said Lawrence Rich, CFDT delegate.

Beyond the social question, the new group project should also include an industrial component, including investments in the network, particularly in the fiber network allowing access to Internet broadband."Stephane Richard told us that the network should resume its former glory," said Lawrence Rich. A major project which has the advantage of restoring momentum to the technical teams throughout. "But the leeway to invest are reduced. From a financial point of view, money is not there. It would invest 10 billion over several years, yet we hear of two billion euros. From a regulatory standpoint, the group is forced and does not build the network to its competitors, "observes Patrick Ackermann, delegate SOUTH.

Internationally, the group does not seem likely to engage in large mergers and acquisitions. But he will pursue an active policy of development in emerging countries, primarily in Africa.

This Wednesday should be placed under the sign of the decline in Paris at the opening, while the CAC 40 seems to stand at ambient breathlessness on exchanges. The leading index has managed to maintain the 3,700 points on Tuesday night, but in the early exchanges, the threshold should not take.

In Europe, stock markets have made concessions on Tuesday after nine sessions chained up on. Announcing the easing of exchange rate policy of China, made Saturday, had pushed world stock markets Monday. The first steps in this direction have been given yesterday and Wednesday, with two cuts in a row the central rate against the dollar. But in exchange, the effect was short-lived. And on Wall Street, poor statistics on the front of the immmobilier has cast a chill on the market.So, this morning, the main financial centers of the Asia-Pacific are following suit.

At around 7:30 on Wednesday, the euro is at equilibrium after fell Tuesday. This rating 1.2270 dollar.

Economic News Authority

In France, on Wednesday will release at 8:45 INSEE's monthly surveys of important conditions in the industry, in construction and retail trade for the month of June as well as indicators of business climate and economic downturn. At noon, the Court of Auditors present its report on the situation and prospects of public finances.

In Germany, the GfK consumer barometer, always watched closely, will be visible at 8:10.

In the euro area, the first estimate of the PMI will be unveiled at 10:00.

And the United States, 16 hours, will be made public promises of home sales for the month of May, after a bad real estate statistics published in the ninth Tuesday: – 2.2% in volume last month, to 5.66 million units annualized.

The traditional weekly crude inventories will be available at 16:30.

Finally, this evening after 20 hours, the Monetary Policy Committee of the Fed will issue its statement.Highly regarded by investors, note any change in the discourse of the Federal Reserve.

The rate strategists believe that Societe Generale U.S. Federal Reserve will raise its rates faster and stronger than expected by the market and call for caution on U.S. government bonds.

Societe Generale wants to Kerviel lost 4.9 billion

Societe Generale will call Wednesday Kerviel just 4.9 billion euros in damages, a record amount corresponding to the loss she attributes to "fraud" of its former trader. Yesterday, the former CEO of Societe Generale, Daniel Bouton, has admitted "failures in the control of the bank during his testimony before the Tribunal of Paris.

L'Oreal Paul Bulcke, Nestlé CEO, said in an interview with Reuters that his group had no plans to change the status quo in the capital of the world's number one cosmetics line with the Pact of shareholders that binds to the Bettencourt family.

Alstom Alstom and Areva does not want to marry with Areva. "To dance the tango, it takes two. Areva does not really want to dance. We no longer so eager to dance ourselves, "Patrick said Tuesday Kron, Alstom's Chairman, at the general meeting of shareholders.

Total Total and oil stocks are worthy of attention.The International Atomic Energy Agency (IEA) publishes 10:30 prospects of markets for oil and gas.

ArcelorMittal the world's number one steel company, announced Tuesday that the apparent demand and actual demand for steel would remain positive in the second half of the year, even if they should show a slowdown during this period. Lakshmi Mittal, the CEO that the slowdown in demand was due to seasonal reasons. The boss also said he did not think the steel industry return to its pre-crisis level until 2012.

Insurance Axa, CNP, Scor … : Values of insurance will also be regarded as the French Federation of Insurance Companies (FFSA) releases on the market situation and its prospects.

Banks The banking sector remains to be monitored throughout the session. On Tuesday, he suffered a spate of bad news.In addition to degradation of the note in the long-term debt, BNP Paribas, Credit Agricole said the cost of risk on its Greek subsidiary Emporiki would weigh 450 million euros more than expected. The BNP Paribas has yielded 1.92% and that of Crédit Agricole SA 4.69%.

Discussions on a tax credit and tighter prudential rules also weighed.

The Renault-Nissan automaker Nissan CEO Carlos Ghosn, said he received 890 million yen (8 million euros at current exchange rates) for 2009-2010, making him one of best paid bosses in Japan. Carlos Ghosn made the announcement at the annual general meeting of shareholders of the Japanese group, held Wednesday in Yokohama (Tokyo area).This does not include fees paid 1.24 million euros in 2009 he has received as CEO of the automaker Renault, Nissan's largest shareholder with 45.7% of the securities.

Peugeot Peugeot Italy said Tuesday it has signed an agreement with Sorgenia first private operator in the Italian electricity market created and controlled by Rodolfo De Benedetti, for the launch of its Ion Electric Vehicle in Italy.

France Telecom, the company announced Tuesday it would invest about 515 million euros over the next five years in its network in Switzerland a few weeks after abandoning its planned merger with Sunrise, blocked by the competition authority of the country .

No change in the short term. But the door remains ajar for two more months. Nicolas Sarkozy held a meeting this FRIDAY on pension reform in the presence of several ministers: Baroin (Budget), Georges Tron (Public Service) and Eric Woerth (Labour). Following this meeting, the President of the Republic has decided to send as is the bill (see the text in its entirety) to the Councils for review. No editing for now, is therefore proposed for this text which provides a gradual increase in the age of retirement until age 62 in 2018.

However, the executive says ready to developments on three issues dear to the CFDT: the situation of people who started working before age 18, taking into account the hardship and treatment of poly-pensioners (of persons covered by several pension plans).The special case of poly-pensioners had hitherto not been mentioned in the text of the reform presented Wednesday.

Nicolas Sarkozy has asked Eric Woerth offer him "at the latest before the start of parliamentary debate in September, possible developments on these topics.

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L'Oreal wins year after year market share in China. Under the name "The Or Yia" (Beauty of Europe), L'Oréal remains behind his rival Procter & Gamble that market estimated at nearly 100 billion yuan (12 billion euros) since it holds just less than 12% of total sales in 2009, against 19% for the U.S.. The attack strategy of L'Oreal to settle as a leader in China seems not only feasible, but it also promises to bring much to the French group.

L'Oreal, which sponsors the World Expo in Shanghai, will provide 20% more revenue in the country this year, one billion euros. This is what Paolo Gasparrini, the boss of China said on Tuesday there.In 2009, sales have climbed 25% on a comparable basis (862 million euros) in China, making the country the fifth largest market growth in its insolent.

"We expect 650 million new customers in the Asia-Pacific, with half in China," says the director of L'Oreal in China to Echos.

The men discover cosmetics

According to the Financial Times, the products of Skincare for Men Rise particularly in China sales rose 27% in one year and in 2009 the rate reached 40% since the beginning of 2010 overnight pay day loans. That's five times more than the same products for women.

Improve the look for men is to give more chances to marry, the newspaper said. In general, the physical is very important in China.Traditionally, women were preparing their own products for skin with water such as rice. "A person picks up pretty easily for a job or a good partner," says Lin Xinrong, Chief of Research & Development of skin care in Shanghai, quoted by the newspaper.

L'Oreal has understood that its Chinese customers is unusual. Therefore 80-85% of L'Oreal cosmetics products are specifically developed for this destination.

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Greece, Portugal and Spain. Southern Europe continues to frighten the markets. The Spanish saw its debt rating one notch worse, with a negative outlook.

Between degradation rate and retention Note

During a joint press conference yesterday, Jean-Claude Trichet, president of the European Central Bank, and Dominique Strauss-Kahn, director of the International Monetary Fund, have called on Germany to take an expeditious decision on aid Greece. Both men say they are confident. German Chancellor Angela Merkel seems he heard the message, since it has declared its intention to activate "as quickly as possible" aid plan.

Fortunately, a decision from the United States has been somewhat reassure financial markets. The Fed has indeed confirmed keep interest rates low for a "prolonged period". And this, despite a rapid recovery of the economy.In this context, the Paris markets are cautious. If the CAC 40 has opened up slightly from 0.17% to 3796.44 points, the index in Paris was quickly ironed into the red, yielding 0.03% to 3786 points.

In this context, it will be interesting to see how values are changing bank, after they have been two sessions in the red. Above Credit Agricole said Wednesday night that its exposure to sovereign risk in Greece amounted to 850 million euros.

Quarterly Results: Sanofi-Aventis, and Technip for ArcelorMittal

Among the values that have posted Wednesday, PPR has returned to growth in the first quarter after five consecutive quarters of downturn, and said Tuesday anticipate a further acceleration in sales in the current year savings account payday loans.

The Thursday is rich in quarterly publications: ArcelorMittal reported net earnings were down 36.6% in first quarter 2010 over fourth quarter 2009.

France Telecom has published a turnover down 2% in the first quarter of 2010, in line with market expectations.

The result of Sanofi-Aventis rose 9.7% to 2.4 billion euros in first quarter 2010 against a consensus of 2.28 billion euros.

Bull saw its sales boosted by the acquisition of Amesys, a company specializing in security systems: its sales rose 9.4% against 0.6% off-Amesys.

Pernod Ricard has announced an increase of 14% of its turnover for the third quarter of 2010 of its fiscal year 2009-2010 to offset 1.5 billion euros.

Vivendi, Axa, Bouygues, Areva or Michelin are also expected.

Renault has announced that the equity between the group, its Japanese partner Nissan and Germany's Daimler had been made Wednesday. The three groups have formalized their alliance in early April for three to share technologies and reduce costs.

The U.S. unemployment statistics in the heart of the day

On the macroeconomic front, the day will, however, less responsible. On the program, the weekly claims for unemployment benefit, which will be published at approximately 14.30 U.S., unemployment for the month of April in Germany and in April business confidence in the euro area.

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Patrick de Carolis, the current CEO of France Televisions, delivered a truly gallant last stand. On Tuesday, he chaired a board explosive. To begin with, all board members, including state officials, praised the work of Patrick de Carolis and his team for the good results of 2009. Then this wonderful unanimity has shattered a crucial point: the negotiations on the privatization of France Television advertising Advertising tandem with Stephane Courbit-Publicis. The five state representatives have proposed to continue negotiations until the deadline of October 30. Opposite, Patrick de Carolis said it was better to suspend indefinitely.His resolution was finally carried by the votes of the representatives of Parliament (Christian Kert and Michel Thiolli?re), qualified individuals (Patricia Langrand, Jacques Martial, Henriette Dorion-S?b?lou?, Jean-Claude Carriere and Dominique Wolton, who had represented ) and staff representatives (Bignolas Laurent and Serge Guillemin). The five state representatives voted against.

Courbit Publicis-shocked

In doing so, Patrick de Carolis has clearly returned to his successor the responsibility of selling 70% stake in the advertising duo Stephane Courbit-Publicis. But they have not even been notified of the decision. "We are very surprised, even shocked by this decision through the press.We reserve our comments after having read the detailed decisions of the board of France Televisions and their consequences ", responded Tuesday group Publicis and St?phane Courbit.

To justify the suspension of negotiations, France Televisions said that "this decision reflects the substantial uncertainty surrounding the continuation or not advertising for 20 hours." Uncertainty related to the announcement last week by Jean-Francois Cope a draft bill for the maintenance of advertising on public channels day.Officially, Luc Chatel, a spokesman for the government, and, informally, the Elys?e is opposed to this initiative and expressed their willingness to go through with the reform and to stop advertising completely online cash advance .

However, Patrick de Carolis said he never received clear answers to the letter sent in February to Fran?ois Fillon and Christine Lagarde, on whether or not to advertise during the day. As an entrepreneur, he felt he had therefore no certainty about the finances of France Televisions beyond 2011. And as a future ex-head of France Televisions, he wanted to make a last act of resistance.

Patrick de Carolis presided over probably the last board of directors.It is precisely to go through with the reform of public broadcasting that the Elysee considered, at the end of last week to expedite the appointment of new president of France Televisions. Alexandre Bompard, the current CEO of the radio station Europe 1, is considered a favorite.

June, when crucial

If a new president was appointed in the coming days, he would take the lead group after its approval by the Higher Audiovisual Council and Parliament. This can take between one and two months. Her inauguration would take place well in mid-June

However, on June 7 is a very important date. It is the legal term of social negotiations on the new collective agreement unified group France Televisions. Negotiations opened since June 2009. "We understand the desire of the State to soon introduce a new team.And, a priori, we are open to any new president of France Televisions, whatever it is, although we'd prefer someone who knows public broadcasting, "said Jean-Francois TEALDI, Secretary General the SNJ-CGT, France Televisions. "But it does not let the new leadership to resume negotiations from scratch. It must take account of progress already made, "he says.

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How to create a bridge between, on one hand the world of midsize companies and intermediary who need capital to grow and the other financial markets constantly on the lookout for good investments? To answer this question, Christine Lagarde met the players in the world of SMEs and funding agencies (MFA, Bank of France, Caisse des Depots, NYSE-Euronext … OSEO). The Economy Minister arrives with concrete steps, beyond those already announced October 12 at the first panel to meet the government's objective of developing a strong network of companies of intermediate size (ETI ) more competitive

If markets do not turn instinctively to the ETI, it is primarily because they do not know. Why the Minister of Economy will launch this Thursday Observatory of SME financing and ETI.Hosted by the CDC, the observatory could become a mine of information on these companies.

It is also because the financial analysis necessary at any investor is very poorly developed with respect to this class of business. But for analysts interested closer to the listed SMEs, there is nothing more effective than financial incentives! Christine Lagarde should announce the creation of a mutual fund financed by the place, to develop financial analysis devoted to small and medium enterprises.

New envelope of the Caisse des Depots

The minister also wants to strengthen the presence of institutional investors in the markets for listed SMEs. The TFB will spend an additional approximately 200 million euros investment in SMEs.In addition, to encourage the clustering of SMEs too small to issue bonds only, OSEO will provide its guarantees on "bundled borrowings" faxless pay day loans .

Finally, Christine Lagarde has relaxed the regulatory and legal framework surrounding the ETI, extending the scope of companies that can buy their own actions that only companies listed on regulated markets can do today. These financial measures should satisfy ASMEP-ETI, the union of mid-cap companies chaired by Yvon Gattaz. But the employers' organization, which holds its annual talks Monday, demand more.She hoped in particular that social rules are adapted to the size of firms employing fewer than 5 000 employees, allowing, for example, mandates the merger of the works council and delegate staff and allowing negotiations in companies that do have no unions representing the majority.

The ASMEP militates for exemption from charges to encourage the employment of workers over 65 years. These adaptations enable ETI to save between 1 and 1.5 billion euros. The ETI-ASMEP also advance proposals on taxation, export, access to public markets. To promote long-term investments, the union founded by Yvon Gattaz supports the establishment of a fund to assist ETI to grow by acquiring companies.Recalling once again that the ETI and SMEs are taxed more than large companies, it proposes measures that would facilitate the transmission and simplification of tax legislation.

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"Every seven minutes a small die …!

"The environment is very negative." Mace Blicksilver, analyst at Marblehead Asset Management, sums up the situation on Wall Street. The U.S. stock market plunges into the red in mid-session in the wake of negative fences in Europe. Around 19 hours (French time), the Dow Jones lost 2.25% at 10,037 points, prompting observers to wonder if the 10,000 points will be maintained. The loose Nasdaq 2.45% to 2137 points and the S & P 500 fell by 2.49% to 1070 points.

The Exchange NEWYORKAISES doubt due to bad news from Europe on the deficits of Greece, Spain and Portugal.

To this are added the figures disappointing employment. The U.S. Department of Labor lists because 480,000 new applications for unemployment benefits from January 24 to 30, or 1.7% over the previous week. The indicator has thus regained its level of December 12.The bad news casts doubt then that should be released tomorrow Friday monthly report on employment.

The increase more than expected to 6.2% in productivity in the fourth quarter did not offset the effect of this announcement. Just as rising industrial orders have increased twice more than expected in December, 1% from November (in data seasonally adjusted) as many as the previous month, said the Commerce Department.

The dollar rises, the export value suffers

Fears about the deficits of some European countries, coupled with the announcement of the ECB to keep rates at 1% are falling euro and strengthening dollar.The European single currency affects its lowest level since June 2008 and back below the 1.38 dollars.

In turn, values related to raw materials, energy and export sinking stock market. Alcoa lost 3.63% to $ 13, Exxon loose 2.22% to 65.12 dollars. Caterpillar (-3.05% to 51.71 dollars), General Electric (-3.54% to 16.09 dollars) and Intel (-3.25% to 19.04 dollars) fall.

Cisco is unable to support markets

Only Cisco maintains the cap: 0.39% to 23.16 dollars. The group announced that its net income for the second quarter of fiscal year staggered (late October to January 23) increased 23% over one year to 1.853 billion dollars, beyond expectations and its own forecasts . Above all, sales rose 8% over one year to 9.815 billion dollars, while three months ago the group was considering an increase of 1 to 4% only.These solid results are greeted in Stock (1.73% to 23.46 dollars) but do not support enough Nasdaq.

Bank of America 3.81% cowardly to 14.84 dollars. The Minister of Justice of the State of New York, Andrew Cuomo, the bank continues to have hidden the losses of its subsidiary Merrill Lynch and "manipulated" the authorities for a massive federal assistance.

Kellogg fell 4.15% to 52.90 dollars. The producer of cereal for breakfast reported earnings slightly down on last quarter, worse than is expected by analysts and below its own forecast.

Monster Worldwide has published quarterly results and announcing the acquisition of HotJobs to Yahoo for $ 225 million in cash. The news is very badly perceived in the marketplace.The title plunges 18.86% to 13.32 dollars.

Amazon (-2% to 116.72 U.S. dollars) was about to buy Touchco, a start-up NEWYORKAISES specializing in touch screen technology, according to U.S. daily New York Times. The objective is to further strengthen the capabilities of the tablet Kindle while Apple (-2.68% to 193.89 U.S. dollars) has launched its iPad.

Moody's announced an increase of 16% of its profit in the fourth quarter, to 101.9 million against $ 88.7 million a year earlier. The title is yet sanctioned: -5.12% to 26.66 dollars.

The title Cigna (-3.28% to 33.62 dollars). The group released on Thursday a quarterly profit above expectations at $ 330 million against a loss of 209 million a year earlier.

All your means of payment are in place in your portfolio, but you've spotted anomalies on your last statement of accounts. You're probably a victim of piracy. They equip vending readers and cameras, or more disturbing that they have collusion among retailers or banks to obtain details of customers, increasing criminal attacks. According to The Association of French bank users (AFUB) statistics on police use fraudulent credit cards on internet the secret code is then not necessary to validate the transaction, exploded in 2009. The association was an increase of 20% of complaints related to practice.

If the vigilance and regular monitoring of movements in his bank account remains the surest way to avoid mishaps, fortunately the damage is repairable post.

Opposition to the credit card used

Once flow suspects are found, must be opposed on the card used. If the earlier is necessarily the best, the SEPA directive (Ed.: Single Euro Payments Area) provides that corrupt payments can be challenged during a period of 13 months.

Since the opposition may be made by calling the center to each specific bank. The simplest is yet to contact the server number interbank 0 892 705 705 (0,34 euro). These numbers are usually shown on the ATMs and the back of tickets withdrawals.They are available 24 hours on 24 and 7 days on 7, in France and from abroad.

Confirmation of a written objection

The transaction is validated by issuing a code confirming the consideration of the application payday loan . Since the card is usable and the owner is relieved of all responsibility vis-?-vis the debits. "In most cases, banks are asking their customers to renew their request for a written objection and give the ticket office or send it by registered letter with acknowledgment of receipt," said the French banking federation. This is not mandatory but is strongly recommended.

Complaint to the police

Account statement in support, the customer can complain to the police to report the fraudulent withdrawals.Banks sometimes require before reimbursing the amounts charged, however it is not a legal requirement.

Reimbursement of amounts debited

The SEPA directive states that the bank is obliged to repay any amounts fraudulently charged within 30 days. Beware however, if the cardholder did not oppose her will be liable for 150 euros, that is to say that the bank will reimburse the remainder.

Another benefit of the Directive, customers are exempt from all charges arising from fraudulent transactions, namely the costs of opposition and order a new card and any premium.

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