Samsung does not want to depend on Apple

 

Action Samsung lost nearly 18% in three trading days. Involved? A decision by Apple. The U.S. has chosen to change supplier for certain processors. Moreover, according to many rumors, Apple, which is the largest customer of Samsung is reportedly soliciting Taiwanese companies to further diversify its sources of supply. Bad news for Korean, a measure of wisdom for the American who does not want to depend on its main competitor. Samsung and Apple combine the trial, thirty between them in the world. They accuse each other of copying or infringement of patents. Both companies also try to end the dispute by signing an agreement that they would not divorce. Paradoxically because Apple is more dependent than the other Samsung. The U.S. represents 5% of sales of its competitor, while Samsung is about 25% of the production cost of an iPhone, according to Citigroup check cash advance.

In addition, the two groups are fighting to win the leadership in the smartphone market. For now, Samsung is leading. It should maintain its lead with the launch of Galaxy SIII, its flagship terminal, unveiled in early May. Source of satisfaction, Korean has recorded 9 million pre-orders for the SIII. A victory for any advise him "enjoy". Already last year, Samsung was gone very quickly, before their hair done on the wire by Apple and its iPhone 4S. However, the firm at the apple should market its next iPhone next fall. What boost its sales.

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China's growth at its lowest for three years

 

China's growth slowed in the first quarter to 8.1%, year on year, confirming the end of the runaway Chinese engine. The Middle Kingdom and shows its lowest growth rate in three years. The country is hit by falling exports due to the debt crisis in Europe.

The gross domestic product (GDP) grew by 8.9% in the last quarter of 2011. Figures released by the National Bureau of Statistics (NBS) on Friday, expected to bolster the central government in its choices. In March, Chinese Premier set the objective of growth of 7.5% in 2012, advocating a rebalancing of GDP, still driven by exports and investment in favor of domestic demand. Consumption is doing well: the pace of retail sales accelerated to 15.2% for the month of March. Industrial production grew, meanwhile, 11.9%.  

The World Bank expects a soft landing for the Chinese economy, she sees grow 8.2% this year and 8.6% in 2013. But Beijing remains cautious about the risk of an abrupt slowdown of the economy too. The Government therefore continues to ease monetary policy. Last month, the volume of bank lending surged to $ 160.1 billion, their highest level in over a year.

Inflation, although more moderate than last year, remains under surveillance. The index of consumer prices rose 3.6% last month. Political leaders, fearing that soaring prices will feed social discontent, should continue to ensure that it is controlled.

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U.S.: CEOs have pocketed $ 2 billion in 2011

 

Some 757,515 iPad (at $ 499 each) or even 33 years of compensation of Jeffrey Immelt, the boss of General Electric: The New York Timess'est amused to calculate the envelope that represented outstanding $ 378 million, attributed to Tim Cook, Apple chief executive in 2011, the equivalent of 42,000 dollars an hour. Given the recent surge in Apple stock, this package, largely in restricted shares for at least five years-would be $ 634 million

.

Needless to say, the successor to the boss Steve Jobs is the most spoiled of the United States by its board of directors. According to research firm Equilar for The New York Times, the 100 best-paid bosses of the United States have pocketed a total of last year's $ 2.1 billion. An amount up 2%. On average, each CEO earned $ 14.4 million.

The second, used the charts, Lawrence Ellison of Oracle, has earned $ 77.6 million. The third with $ 53.3 million, Ronald Johnson, who arrived this fall at the head of department stores JC Penney, is a newcomer. In fact, the distributor, for debauch the star of Apple, had to compensate by offering shares JC Penney instead of securities of electronics giant that it could reach if he resigned. A bad deal, so far: the Apple shares would be worth nearly $ 160 million, against less than 60 million worth of JC Penney.

To combat the excesses that contributed to the financial crisis of 2008, Congress passed a reform that pushes for more transparency on the remuneration of bosses and gives shareholders more weight on the determination of these envelopes, containing cash, bonus and stock options.

Orange said to be nothing in the failure of Free

 

Deal with failures and congestion at peak times on the network of Free Mobile, the regulator, Jean-Ludovic Silicani referred back to back and Free Orange mobile, connected by a roaming agreement. Result: Orange has threatened to suspend service if something goes wrong. Ultimately, consumers do not understand anything. UFC-Que Choisir has asked for an explanation and compensation for clients. Since Tuesday, the customer portal on its website, Free mobile communicates the reasons for the different reference technical problems and five failures, dated March 2 to 25. The operator foresees a gradual return to normal next week.

LE FIGARO – Specifically, what do roaming provided by Orange Free Mobile?

Jean-Luc Vuillemin – Orange has its network across France. Free Mobile has its own, but there are currently limited coverage. Simply allows Orange Free Mobile subscribers on its network to come when they are not covered by Free. This model, known as roaming, is very different from the MVNOs like Virgin Mobile, for example, that it is completely hosted on the Orange network. Virgin customers have own SIM cards but they only use the Orange network.

What causes the failures?

There are two types of failures. First, those related to the functioning of Free network. On the other hand, those who take part in defining the interconnection link between the network and our Free. In both cases, Orange is in no way responsible for malfunctions of Customer Freemobile. With regard to equipment malfunctions Free Mobile Network, it was concerned for the failure of 2 and 14 March, signaling transfer points that identify subscribers Freemobile where they are, what service they are entitled, and which are involved in each call from a client including Free when roaming on the Orange network, and the failure of 20 in a micro network Freemobile.

What causes congestion at peak times?

This is precisely the second category of dysfunction, related to the design of interconnection link between the network and Free Orange network. Orange provides Freemobile these interconnect links called BPN (primary digital block) based on traffic forecasts that Freemobile gives us. The size of this link interconnection is the sole responsibility of Free has underestimated its forecasts, which explains the inconvenience Online payday loans. Orange is the responsibility of its network is working, what is the case, since the beginning!

Are you responsible, at least in part, as suggested by the regulator?

In any way. And my teams who have at heart their operator business networks, have been married very amalgam of various statements in recent days suggesting that Orange Free mobile shared with the responsibility for these failures. Orange has no responsibility in incidents encountered by Free. We spend a lot of time designing and making our live networks. We, of course, anticipated that customers Free emerge from the old 2G handsets in their drawers … The terminal base is key for the network that we follow very precisely.

Orange is it affected by failures recorded on the Free Mobile?

The contract provides that if the Orange network was affected, we may suspend service to Free, the time it finds a normal operation. We are therefore protected and our clients have no reason to worry about the quality of service Orange. They can be fully reassured. We were ranked first network by ARCEP, and we intend to maintain this quality. My team includes 6,000 people who work day and night, 365 days a year on the network, to maintain quality.

A mobile network is it more complicated to manage than a landline?

Yes, it is undoubtedly more complex. First, because in a mobile network the subscriber is constantly moving and the network must constantly issue queries to see where he is. On the other hand, in a fixed network operator mastering the whole chain as it is he who provides the box at the customer's home. In Mobile, in the terminal end of the chain can be a 2G phone, 3G phone, smartphone Android, Apple, Nokia, or even a tablet. There are thousands of combinations which greatly complicates the task. Over time, Orange has gained a real expertise that a young operator, whatever, can not have. This is what makes all the difference. Launch a mobile operator is very complicated. It takes skills internally, and in sufficient quantity.

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Sarkozy addresses the tax exiles

 

After struggling against tax havens in recent years, Nicolas Sarkozy wants to tackle the tax exile. -Candidate for President, it is not acceptable that some continue to enjoy the benefits of French citizenship without paying a penny in taxes. "I want the tax and nationality are now linked," he said on TF1 Monday. The announcement is accurate. "Any tax exile who went abroad for the sole purpose of circumventing French tax must declare to the French administration as he paid tax abroad. And if it is lower than it would have paid tax on income from capital in France, he will pay the difference, "said Nicolas Sarkozy.

Only the taxation of wealth is concerned. But it is precisely to escape the ISF or the taxation of capital gains that some taxpayers go to Switzerland or Belgium. With this measure, the tax exile would have no financial interest. And if the tax exile showed himself recalcitrant? "If he does not pay, he is pursued by the taxman. However, if he wants to escape measurement, it is of course free to take another nationality, "said Nathalie Kosciusko-Morizet Monday, the spokesman of the president candidate. There is no question of deprivation of nationality. This type of penalty is very heavy and could be incompatible with European law.

The 2 million French expatriates, those who move abroad for work or for family reasons, for example, would not be affected by the measure. "I say to expatriates, we will change nothing for them," said Nicolas Sarkozy. They therefore continue to pay tax only in the country where they live. French household working in Germany would pay, as now, the German income tax. Yet to translate into law the difference between the expatriate and exiled, leaving the Hexagon for purely fiscal.

Monday, Nicolas Sarkozy referred to the American system. Indeed, the U.S. tax bind and nationality, even more extensive than would be France if Nicolas Sarkozy was elected. For all American expatriates should pay taxes to their homeland! But the U.S. is an exception in developed countries. European states like France operate on the principle of territoriality – you pay tax where you live. This means that the measure proposed by Nicolas Sarkozy, even if limited to exiles, may involve review of the tax treaties signed between France and its partners. A very heavy work. This is also the argument that had been opposed to the president of the PS Finance Committee in the Assembly, Jerome Cahuzac, late 2010 when he proposed a tax on expatriates. It will also calibrate the measure to be compatible with European law which advocates the free movement of persons and equality before tax.

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How can a caravan

Caravan: a specific contract?

According to French law, any insurance or any caravan trailer is mandatory. Also, if an insured decides to tow a caravan with his vehicle, he must notify his insurance company. If the total weight to load (GVW) of the caravan is less than 750 kg, it is on auto insurance of the towing vehicle. However, if the total weight to load (GVW) of the trailer exceeds 750 kg, it must have a specific insurance policy.

The insurance contract specifically the trailer can be purchased from an insurance company specializing. However, to enjoy a good quality / price ratio, it is advisable to use the same insurance company ensuring that the towing vehicle.

Namely: if the trailer weight exceeds a total load (GVW) of 500 kg, it must have its own logbook. This must be forwarded to the insurance company.

Consider the use made of the caravan

Whether stationary or towed, the trailer must receive liability coverage to cover damage to third parties. If it is a permanent home, it becomes necessary to take out specific insurance.

The duration of the insurance can be modulated according to the frequency of use of the caravan cash advance payday loan. If it is possible to ensure a caravan all year, it is also possible to insure a timely manner, for example, only the holidays.

Purchase additional coverage

If liability coverage is mandatory for a caravan, it is also possible, such as auto insurance, take out specific safeguards. Thus, the accidental damage warranty can cover the repair of the trailer in an accident. The guarantee can cover theft theft but also the attempted theft of the caravan and its contents. The compensation is brought in only if the insured is able to provide physical evidence of the loss.

The warranty fire and explosion can cover fire outside or inside. This warranty also covers the damage done by lightning.

Note: If a specific development is carried out in the caravan, it is best to notify the insurance company (especially when planning costly).

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A carbon tax applicable to contested 4000 companies

 

Air transportation emits about 3% carbon dioxide (CO2) released by humans into the atmosphere. But according to the UN Framework Convention on Climate Change (UNFCCC), its emissions have almost doubled (+98%) between 1990 and 2006 and are expected to increase by 63% by 2020. This is due to the strong growth that the EU wished to include airlines in the industries subject to carbon allowances.

Decided in 2008, this "carbon tax air" has been applicable since 1 January to major airlines transiting through EU airports. According to official documents of the end of 2011, 4291 airlines must be submitted to CO2 quotas, including 28 Chinese companies. Brussels has set an emissions cap for each company, who must buy the equivalent of 15% of its emissions, as carbon credits.

This air tax should bring in 2012 256 million euros to the EU, the Commission said. A pittance compared to $ 3.8 billion represented the German Government, by controlling only Airbus Hong Kong Airlines, threatened. Connie Hedegaard, European Commissioner for the fight against climate change, repeated his refusal to yield to threats and to revisit the legislation.

The profession particularly hostile

From the earliest discussions on the implementation of these CO2 quotas on airlines, the profession has expressed very hostile. Last November, ICAO, the Organization of International Civil Aviation, adopted a resolution recommending to exempt non-European companies of the carbon tax. 26 of its 36 members including China, the United States and Russia, were signatories. The International Air Transport Association (IATA) and ICAO call for voluntary measures to reduce emissions of greenhouse gases, implemented worldwide.

In a report published in early 2011, the rating agency Standard & Poor's estimated that the measure Brussels could cost 1.12 billion for airlines in 2012-2013. Since then, the price per tonne of CO2 collapsed on the European market which would reduce the cost to about 700 million euros. But it adds to the severe increase in fuel prices.

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Dexia Bank Belgium becomes Belfius

 

Belgium Yellow laughs. Dexia Bank Belgium, one of its major financial institutions, has been renamed Belfius Thursday. After five months of study and a budget of 35 million euros, advertisers have defended their choice: "Bel" evokes the flat country, the 100% owner of the house, "fi" suggests the financial sphere, and "us "English in the text, adds a touch of both collective and international. A cocktail effective in erasing the past. "The most romantic of us can not help but associate" nice "to beautiful, while the technicians will instead link" fius "and English" fuse "," has swept the direction the bank. The response has exceeded his hopes payday loans. The new name stoked passions throughout the country. On Twitter, users will give heart to joy for its proximity to the mock-rays or frozen yogurt. "I resisted the bank run of 2008 … the losses of 2009, I accepted Zean-Luc, supported the division of Dexia Belfius … but it is too," sighed a client. A poll in the daily Le Soir, the name Bebank have collected all the votes, but it masked the insurance business. After four years of financial crisis, which grounded the champions of the country, the Belgians pulled out their best weapons to protest: black humor and taste for the absurd.

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The seller's liability in case of defect

1 – Under what conditions can we invoke the implied warranty?

The seller remains liable after the transaction, housing defects that were hidden at the time of sale, when they "make the property unfit for the use it was destined or so impair that use the acquirer n ' would not have made the decision to purchase, or at least not at that price, if he had knowledge "(Article 1641 Civil Code). Conversely, the seller is not liable for defects that were apparent (Article 1642). Case law judge and are latent defects: the presence of termites or asbestos in housing, lack of foundation, the existence of underground quarries generating instability of the frame, the lack of connection to the public drainage wastewater, or noise pollution caused by insufficient thickness of walls.

2 – The seller may be relieved of responsibility?

The seller can clear themselves by inserting in the deed of sale a clause stating that it will not be required to guarantee the buyer in case of defect. These clauses, found in most deeds, are only valid if the seller is a non-professional and is in good faith. Such is the case, for example, a seller who did not know the day of the sale, the presence of mérules (wood-rotting fungi) in the beams of his house, since the diagnostic technique that had commissioned was not one mention.

However, the vendor apparent bad faith can not invoke this clause, for example when he blocked and painted floors and baseboards to conceal the presence of termites, or has done work to conceal cracks affecting the structure of the frame. Attention, even if the seller does not commit any act of concealment, it can be considered in bad faith when it is aware of the defect and that he did not notify the purchaser.

3 – What might the seller in case of discovery of a latent defect?

If the vendor is found liable for hidden defects by the judge, the purchaser has the option, request cancellation of the sale or reduction of its price (sections 1644 and 1646 of the Civil Code). If he chooses the cancellation of the sale, the seller must refund the purchase price and notary fees. If it chooses a price reduction, it is for an expert to determine the amount. The seller in bad faith can also be ordered to pay damages (Article 1645 Civil Code). Attention, the action in warranty against hidden defects must be brought within two years after the discovery of the defect (Article 1648 Civil Code). It is the vendor to prove that the discovery of latent defects occurred more than two years before the introduction of the lawsuit.

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