17
May

Fralib: the court orders the expulsion

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Judgment of Solomon's High Court yesterday in Marseille. Unilever seized by a request for expulsion of sixty employees occupying the factory Fralib Gémenos, near Marseille, in the group and whose closure is in progress, the court responded favorably by holding the illegal occupation. He accompanied his deportation order for periodic penalty payments. But he gave a grace period in making them applicable not only from 1 June The judge also advises the Unilever management and employees to resume dialogue to resolve the conflict.

"We are very satisfied, commented yesterday Gerard Cazorla, CGT Secretary of the Works. The judge left the room for negotiation. The ball is in the court of Unilever, who must take responsibility. "

The judge "gives precedence to the force of law on the law of force" and "does not order you return to negotiations. He advises the sake of appeasement, "said Sophie Jayet, communications director of Unilever France. "Our priority is to focus on the reclassification of 103 employees who stay with Fralib after leaving 79 people, 80% found a solution that suits them, and the revitalization plan," she adds.

A series of three years

Employees, themselves, in hope that this delay will allow time to contact the new Minister. Francois Hollande had come to meet three times during the campaign. He promised not to let them down. He had mentioned the possibility to pass a law prohibiting the closing of an industrial site when there was a buyer overnight pay day loans.

"The Fralib" do not have a buyer, but they want to be in scop to continue the operation of the site. For this, they claim that their leaves Unilever ownership of machinery (what the group is willing to do if the project is "viable and sustainable"), Elephant brand and a sub-contract of 1000 tonnes per year for five years, Unilever refuses. They also claim that local authorities preempting the field that does not belong to Unilever.

The closure by the Unilever group Fralib plant, which manufactures tea bags and brewing under the brands Lipton and Elephant, is one long soap opera that has lasted nearly three years. This is the smallest of the four tea factories and tea of ​​the European group and the least profitable. "It provides 5% of the group for 27% of costs," does one justify the group's headquarters and "to make Gémenos costs three times more expensive than in Brussels, while production was going to 90% for Belgium ". Hence the decision to close Fralib to concentrate production on the three factories.

But workers are fighting for months for their scop, they claim viable with 1000 tonnes of production and 100 employees. At Unilever, we calculated that it will lose 9 to 12,000,000 euros a year

.

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15
May

France has re-created jobs

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Payroll employment up slightly, after a blip in the second half of 2011. A preliminary estimate of INSEE and the Ministry of Labour, which can be corrected later, 10,200 jobs were created in the first quarter 2012. This is an increase of 0.1% over the previous quarter.

This positive development comes after two quarters of contraction in employment. For the first time since the third quarter of 2009, the overall economy had destroyed jobs, 31,500 in the third quarter of 2011, and 22,600 in the fourth.

Destruction "very limited" in the interim

It was mainly the interim who had served as an adjustment variable. The majority of job destruction recorded in the second half of 2011 resulted from the decline in temporary jobs (34,000). In the first quarter 2012, job destruction in the interim have instead been "very limited" according to INSEE, as contained in 1300 positions, a decrease of 0.2% over the previous quarter.

An upward trend confirmed by the latest figures released Monday by the employment center. In March, temporary employment has rebounded 1.2% after a positive trend resumed in February (0 no fax pay day loans.5%). "Temporary employment is less marginal than some years ago. It better reflects the situation of the labor market and appears less as a leading indicator, "said Eric Heyer, Director at OFCE.

Rising unemployment

Over one year, the trend in employment remains slightly positive. 3000 jobs will be created, an increase of 0.1%. France had thus, in the first quarter 2012 according to a first count, 16.1 million employees.  

As job creation, however, insufficient to reduce unemployment, due to the constant increase of the labor force. In 2011 it was 125,000 additional people joined the labor market. A trend expected to continue until 2025, warns INSEE. In March, 16,600 new job seekers are still registered at employment center.

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14
May

Psychological and health insurance: what care?

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Psychiatry: health care costs as other

Health costs associated with psychiatric disorders, which represent 10% of total health expenditure, are supported by Social Security under the usual conditions. So the mutual complement these reimbursements. In health insurance quotes, refunds of psychiatric consultations are part of the "consultation of a physician." There are no special rates, especially for higher fees. It's the same for prescription drugs.

The specifics of psychiatric hospitalization

While some psychiatric problems may occur from time to time (anxiety attacks, depression …), other conditions need to be monitored over time. Hospitalizations may occur in a clinic or hospital, but also in specialized foster home. In this case, the repayment terms may differ from those of a conventional hospitalization. However, there are safeguards common to both categories, such as private room for example.

Attention to limitations of time

Another feature: health insurance coverage often impose a dual limit on psychiatric hospitalization. On the one hand, the daily cost is capped no fax cash advances. On the other hand, the annual number of days of hospitalization is limited (90 days in general). Some offer a mutual support of psychiatric hospitalization for an unlimited period, but the daily fee cap is a constant.  

Note: make sure the two limits (amount and duration) may be provided by the terms of your contract.

Psychoanalysis, Psychology: Supported various

Consultations with a psychologist in private practice in town, or a psychoanalyst, are not supported by Social Security. Therefore, mutuals do not offer, as they read the most economical, the reimbursement of these expenses. We arrive at formulas for more comprehensive benefit package tailored to these consultations.

Fact: Some mutual insurance or offer packages for comprehensive psychological or psychoanalytical care. Ask your health insurance broker you the details.

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12
May

JPMorgan shaken by a trading loss

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Fear and trembling on Wall Street even JPMorgan Chase is not infallible. The largest bank in the United States has suddenly revealed Thursday evening a "gross error" of trading that will cost him two or three billion dollars. Certainly, the industrial accident did not shake the financial soundness of the bank. JPMorgan, with capital in excess of the standard, should reach even make a profit in the second quarter, after more than five billion dollars in profits from January to March. Its shares plunged 9%, however the opening on Wall Street Friday. And the unpleasant surprise splash reputation while it shakes a profession already severely criticized.

Jamie Dimon, JPMorgan's boss, wanted to announce himself the new Thursday night, adopting a tone of unusual humility. The New York group remained stingy with explanations about the facts. The only certainty is the slippage took place in London, within the "Chief Investment Office." This team has paradoxically official mission to smooth the risks taken by the bank through its one trillion dollars of credit and bond investments. It uses derivatives, financial instruments that reflect the changing virtual credit risks. Too optimistic about continued growth, the bet went wrong. JPMorgan Chase has discovered too late that his method of coverage "poorly designed, complex, poorly tested, poorly executed and poorly supervised" is soldait since March by $ 2 billion loss.

"The whale London"

The figure may go even higher following market developments in the coming weeks, while limiting the damage, JPMorgan Chase has made some gains on other market positions. "We deserve all the criticism down on us," admits Jamie Dimon. This type of error is not supposed to happen in this reputable bank above the lot, to the point that she was chosen by the Fed in March 2008 to buy Bear Stearns bankruptcy in hopes of preventing a panic banking.

The case is even more disturbing than mid-April the head of the bank had called a "tempest in a teapot" the revelations of several media outlets that a French trader, nicknamed "The Whale in London" , piled up huge positions on insurance against the risk of default on bonds (credit default swaps). Yet this trader, Bruno Iksil, operated from the "Chief Investment Office." Nobody talks about "mad trader" or fraud. The French remain employees of the bank. It is the IOC's strategy assumed by the bank, which seems relevant. And JPMorgan Chase acknowledges violating its own principles of investment discipline. As for Jamie Dimon, he promises in the future pay more attention "to the newspapers."

Analysts are questioning the credibility of the control systems in place at JPMorgan Chase and other large commercial banks like Citigroup, Bank of America and specialists in institutions of market transactions such as Goldman Sachs or Morgan Stanley. The "hedging" as those of the IOC are expected to move within narrow limits of potential losses. The case severely undermines JPMorgan reliability of these safeguards.

Regulators in Washington and London also raise questions: standards and monitoring methods will not prevent banks from making mistakes trading. However, they must prevent banks that collect public savings, as in the case of JPMorgan Chase, taking risks that could endanger the entire financial system.

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10
May

Euro zone: decline in growth according to OPEC

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Economists at the Organization of Petroleum Exporting Countries (OPEC) do not see the evolution of the European economy with optimism. "Industrial activity continues to decline and it remains to be seen whether, in the second half of 2012, growth will become positive, as is widely expected," it said in its monthly report the organization based in Vienna, published Thursday.

OPEC said that political uncertainty on the Old Continent is "higher a few months ago," because the "results of any recent presidential elections in France, the forthcoming parliamentary elections in France and the Netherlands, of new elections likely in Greece and a referendum on the fiscal pact in Ireland. " All factors that lead OPEC to forecast a GDP of the eurozone declined by 0.4% this year, a deterioration compared to the 0.3% decline expected in the previous report.

Drop of oil by 3.9% in April

OPEC, which produces about one third of the world's crude, month after month scrutinizes the state of the international economy. About the United States, the organization of Vienna is rather pleasantly surprised with a "larger than expected growth." U.S. growth forecast unchanged at 2.3% for 2012. With one caveat: the budget deficit will remain around 8% of GDP, above the average of OECD countries, at 5.6%.

Regarding oil, OPEC noted that after three months of increases at the beginning of the year, a barrel of black gold has declined in April, 3.9% for the "reference basket of OPEC "which stood at 118.18 dollars (against 119.71 dollars for a barrel of Brent listed in London, main world market reference).

A decline that has begun to feed for three weeks in the pump prices for French motorists. The increase in OPEC production (mainly provided by Saudi Arabia, Libya and Iraq) has allowed the placing on the market by nearly a million barrels per day (MB / d) on the market since the start of the year.

The estimated global oil demand for 2012 remains virtually unchanged this month, to 88.7 MB / d, up 0.9 mb / d over a year. It is driven by the "stabilization of the U.S. economy" and the closure of all Japanese nuclear power plants.

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09
May

Merkel-Holland: fundamental disagreements

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From our correspondent in Berlin

The twisted smile of German Chancellor leaves reflected the tension of the bad days. Sign of his nervousness: Angela Merkel has not had a word to praise the work together with his ally Nicolas Sarkozy, who was nevertheless the mainstay of its European strategy. Confirming calling Francois Hollande on Sunday evening, to invite him to Berlin as soon as possible, the conservative chancellor said Monday wanting to "welcome him with open arms." However, the showdown seems inevitable as the Franco-German relations are entering a phase of uncertainty related to complex domestic political constraints are difficult to reconcile between the two shores of the Rhine.

Mocking criticism until within his own camp, Angela Merkel had supported the incumbent president without qualms. "During the campaign, I've always said that I would work closely with the next French president," she has defended Monday before the German press, which called it a personal defeat Chancellor French presidential election. Before adding: "And we'll see!" A confidant of Angela Merkel decrypts: "We hope that Francois Hollande will follow the example of Gerhard Schröder, who was able to transform to conduct reforms that have contributed to the economic health of Germany. And he will have the necessary start facing economic difficulties of France along the lines of the German Social Democratic model. "

A challenge for the Franco-German relationship

The Chancellery is not done many illusions about its scope to reach a consensus with the socialist president. "This is a president without a majority, which came into general election campaign and who seek to impose any cost against the Chancellor to score points, continuing this close to Merkel. The coming weeks will be a challenge for the Franco-German relationship. "Berlin does not hide his irritation with the renewed commitment of the team to renegotiate the pact Holland fiscal stability, to include a section on growth. Seeking to reassure those around the Chancellor on this point, the Socialist candidate advisers had suggested that it was "about campaign."

"The fiscal pact was negotiated and signed by twenty-five countries, it is not renegotiable. You can not go back on the ratified texts after every election, otherwise we do not advance more in Europe, "Merkel warned, adding that the Bundestag would ratify the treaty before the end of the parliamentary session in June. Considered the cornerstone of European policy, Merkel, the text should instill fiscal discipline on the Germanic continent guaranteed unsecured personal loan. While Greece and Portugal have already adopted, Germany hopes to ratify the treaty by Italy and Austria, to create an irreversible momentum. Berlin is prepared to negotiate a new "compact growth" separated with French President-elect, provided you do not dig deficits. This implies that Holland agreed initially to adopt the tax treaty as is … Difficult to consider when it made the German austerity to the symbol of the evils existing in the euro area.

On the merits, too, the differences are strong. Francois Hollande intends to present four proposals to boost growth in Europe. Berlin has agreed to increase funding for the European Investment Bank and to allocate EU structural funds unused in large projects. Merkel's CDU also supports the creation of a tax on financial transactions, to which its liberal coalition partners, however, remain opposed. But it is a headwind against the creation of eurobonds claimed by Holland and the German Social Democrats. Berlin is also impatient, accusing the team of Holland not to play cards on the table in his ever-lengthening list of requirements.

Commonalities

The only good surprise, when the Chancellor will welcome the new French president in Berlin on 15 and 16 May in the wake of his inauguration, could be one of a meeting. Holland, "President normal" and Merkel, the "Chancellor of simplicity," seem made for each other. The photograph of Francois Hollande by shopping in a supermarket will not have failed to smile Angela Merkel, who continues to shop the weekend before going in the kitchen. Beyond style, the President may also learn to appreciate the Chancellor, who was an outsider within his party before winning, like him. And who has infused social democratic fiber in his conservative formation.

Angela Merkel and Nicolas Sarkozy were two opposites, which had attracted and eventually tame … not without cross regular acute attacks. Unlike Adenauer and de Gaulle, Giscard and Schmidt, Mitterrand and Kohl and Chirac and Schröder, they have not been able to build real personal relationship. Can you imagine Sarkozy stay in the "dacha" Merkel Templin? Far from being anecdotal, this personal connection is the foundation of trust, which overcomes the numerous differences between Paris and Berlin. And consensus, resulting in Europe after the Franco-German team. If Holland and Merkel a good start, everything will become possible.

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07
May

The battle of the "cloud" for individuals

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This is the new revolution that accompanies consumer electronics. Over, the race memory capacities always greater for a PC, camera, music player, a smartphone or tablet. Now, pictures, video, music, documents … can be stored in the network and are accessible on any device provided it is connected to the Internet. These new services to remote storage (called cloud computing) are the object of a great battle between the technology giants of the most publicly known.

Amazon, the first online retailer in the world and world of cloud computing, said, on May 3, tools for the public to offer its S3 cloud to easily share and store photos and videos, for users Mac and Windows. For its part, Google launched on 24 April, a new online service called Google Drive, described as "a space to create, share, collaborate and keep all his documents." In other words, this service allows users to store their files remotely from a desktop computer but also to share them in real time, with friends or colleagues through a smartphone. Everyone can make a backup of its data. The search engine used most in the world has created a new front against Apple, Amazon, the company specializes Dropbox and Microsoft.

Before the launch of Google Drive, Microsoft has updated its SkyDrive service that allows you to associate the same account, remote information from multiple types of equipment: PC running Windows, Windows Phone, but also Macintosh , iPad, iPhone and Android Phone same as applications were developed by vendors. Microsoft has a more ecumenical than most of its competitors. The icloud service Apple is limited to products of the Apple brand. Google promotes its online software, such images to Picasa and Google Docs for text. Finally, the company specializes Dropbox, founded in 2007, generates its revenues with the sale of storage capacity and additional "premium services". For each cloud service for individuals is free up to a certain amount of stored data. Storage is paying over a certain threshold (5 GB of data) at Dropbox, or 7 GB (25 GB even for those who had an account before April 22) at Microsoft.

Various economic models

The reason for these different approaches? "The economic models are varied. They may be based on the paid storage and sale of applications. Or service can be designed to make products more attractive brand, as does Apple with icloud or as we do with SkyDrive. Finally, other players are in the market for advertising revenue, "said Dharmesh Mehta, head of Microsoft SkyDrive.

Number of active users, Apple has claimed more than 125 million users and 96% use the service for free, leading the way. Dropbox, with a total of 50 million accounts, is next. End of March, nearly a year after the launch of its redesigned, SkyDrive had 17 million members worldwide, including 2 million in France according to Médiamétrie.

Other companies, especially telecom operators, should enter the market, in line with what Deutsche Telekom has already across the Rhine. "We are still a niche. The service is used by consumers very enthusiastic and keen on new technologies. The total number of users will be much more impressive in two to three years, "says Dharmesh Mehta.

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05
May

Wall Street sign its worst week of 2012

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04
May

Galaxy S3: first grip

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The presentation was eagerly awaited in the high-tech world. Become the world's number one mobile to Nokia and Apple, Samsung introduced Thursday evening in London its new flagship model, the Galaxy S3.

"Relive the presentation of the Galaxy S3

A description and the first review about this:

• DESIGN

Back to the rounded design for the new Samsung Galaxy S III: a nice case with curved lines and curved back which inevitably think about HTC's latest smartphone, the X One Screen with a slightly larger 4.8-inch super-AMOLED, which is distinguished by its superb contrast and excellent precision in the details with its 1080 x 720 display and resolution of 306 dpi (almost as much as iPhone 4S and 326 dpi). "Inspired by nature, designed for humans," says the slogan of the manufacturer. The Galaxy S III measuring 13.6 x 7 cm to 8.6 mm thick, and weighs 133 g.

• USE MORE NATURAL

"The Galaxy S III knows what you want to do," said a spokesman for the company. Thus, the Face Detection helps keep the screen active when one looks at it, avoiding it goes to sleep. The proximity sensor, when it detects a movement towards the ear, picks without having to press a button or dials the touch-screen. Equally spectacular, the S Beam can easily share files between two Galaxy SIII: touch another device and the content displayed will be transmitted automatically by NFC or Wi-Fi according to file size free credit score online.

• EYE AND EAR

The voice recognition system S Voice enables Samsung to compete against the iPhone 4S Siri: we can now speak naturally on the phone asking him to take a picture, call a contact, set an alarm, to dictate text, for the weather or control the music player. The camera, it recognizes the faces of those affected and proposes to transmit images via MMS or email. Better still, pointing to a face to a photo, you can get the Google + Facebook profile and the subject.  

• PHOTOS AND VIDEOS A GOGO

Equipped with a 1.9 megapixel camera for video calling and, at the rear, a 8 megapixel sensor particularly reactive (no delay between triggering and capturing a photo), the Galaxy offers a new way Automatic scene. It may even recommend the best shot among multiple shots. Its screen can watch Full HD movies at full resolution, but he also knows wirelessly transfer the display on a big screen DLNA. It also provides access to content from other devices using a wireless network.

• THE PRICE OF POWER

Compatible 3G + (HSDPA 21) and 4G (LTE), the Galaxy S III is also very powerful with its quad-core processor. It allows to continue watching a video in a vignette while performing another task on the phone. Available in blue or white, and 16, 32 or 64GB, the Galaxy S III will be released in France in June. First Prize: € 649.

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02
May

A Spanish feed the Ile de France with natural gas

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Observers who doubt the competition in the French energy market may return to their position. This is a Spanish group that emerges winner of the European tender for the Syndicate of the gas and electricity in the Ile-de-France (Sigeif) for the supply of natural gas and energy efficiency services to benefit 267 communities and public institutions in the region. Gas Natural, the first Iberian gas, gets the two most important lots, or 73% of the volume allocated to the tune of 1,100 gigawatt hours (GWh). The amount of the contract, which runs over two years (from 1 July 2012), reached 50 million euros.

EDF and Poweo hunted

Behind Gas Natural, GDF Suez won a lot – the power of public offices of housing and hospitals, 320 GWh in all – a market of 13 million euros. Finally, the alternative supplier Altergaz, a subsidiary of Italian oil Eni, retrieves the provision of the reception center and hospital care of Nanterre – a single site for a volume of 40 GWh. The three operators selected by the Sigeif renew completely the range of partners. For the previous command (over 2010-2012), were respectively selected suppliers EDF, Tegaz, a subsidiary of Total, and Poweo. Therefore a triplet hunting another.

"The competition was tight. As for larger volumes, all operators are interested, soberly summarizes Jean-Jacques Guillet, President of Sigeif and also deputy mayor of Chaville (Hauts de Seine). Both sides win. While suppliers have visibility, our members enjoy good purchasing conditions. "

In view of the regulated gas prices, the prices obtained show, according to the batches, gains from 18.9 to 24.7%, a reduction of the annual bill of 19 million euros for members of the group of commands . This bill would be $ 84 million with regulated prices. In detail, the Regional Council of Ile de France, through the power of high schools, carried 4.4 million euros in savings. And nearly 8.8 million for the 122 municipalities grouped by the Ile Sigeif. "Certainly, in the previous tender, we got a discount of about 40%, but back then we were in the gas bubble. It is no longer the case today, "says Jean-Jacques Guillet.

The tender of Sigeif is the largest in France in the energy, to the extent of a Parisian crown representing some 5.3 million people. This procedure in the field of gas on the rise: already, new communes want to be associated with orders for the period 2014-2016. "The expansion of liquefied natural gas (LNG), with its ease of delivery, gives flexibility to the gas market. We wish more than ever to enjoy, "concluded Jean-Jacques Guillet.

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