PSA suffers from lower car sales

Presidential in major cities Paris | Leeds | Lyons | Toulouse | Leeds | Sheffield | Liverpool | Bordeaux | Lille

By searching online for the right websites you will probably find a better cheap car insurance company and the best premiums possible.

Real Estate: Know intelligently visit

 

"We must get prepared," says Sebastien de Lafond, Meilleursagents.com. First thing to check: consistency in the price of well visited. To form an opinion, we must investigate the prices in the sector. Review the ads of websites is a first approach, but the prices are often overstated. View estate agents in the area and ask them specific examples of recent trades made refines market research. Know when the property is exposed and there is a lot of the same type of homes for sale in the neighborhood can have arguments at the time of negotiation.

In general, buyers know quickly if they feel good about visiting the home. However, relying on first impressions is not enough. An apartment in disarray, a faded painting or a smell of smoke sometimes repel the visitor, but do not stop there. What counts are the qualities of housing. "We must keep in mind their priorities, says Philippe Conte, a member of the Institute of Chartered Fnaim, but few buyers who do not make concessions." In a condo, take the stairs instead of the elevator provides information on the status of common and how the ownership is held. The cellars and common premises speak volumes about the maintenance of the building.

Do not hesitate to revisit the well several times

In housing, we must inspect everything. To house, checking the roof and the attic is a priority. Broken tiles or mossy cause leaks inside. Get into the attic to check insulation. Many homes built before 1974 do not. Inside, the walls, floors must be watched closely. A crack is a defect common in the former. However traces of moisture on the ceiling indicate a leak or a leak from a neighbor. Same for the balcony or terrace. Also check the condition of pipes, electricity, windows … In home, you need to check with the town planning services to ensure that a building will not obstruct a nice view or generate nuisance.

To evaluate the condo fees, "we must also require the last minutes of the meeting, says Philippe Conte. If work were passed, they are charged to the seller. " Other Audits: diagnostics, energy consumption or age of the boiler. "Do not buy on the first visit, advises Sébastien de Lafond. It is necessary to look back two or three times, accompanied if possible. "

ALSO READ:

"Electricity: 2/3 of existing homes are not safe

"Real estate, negotiate for business

SERVICE:

"Find all the ads with Explorimmo

FOLLOW THE ESTATE OF FIGARO:

"Twitter: @ LeFigaro_Immo

Antibes requires Veolia to reduce his water bill

 

Antibes successfully negotiating the deal with Veolia century. The threat of a passage in municipal ownership of the management of drinking water was right ambitions of profits of Lyonnaise des Eaux (Suez Environnement) and Veolia Environment … These two private companies have had to review their specifications for take water from the town of Antibes (Alpes Maritimes).

At the cost of trading which saw an average rate of water drop by 43.3%, although Veolia will keep the water management of Antibes, which inherited the General Water Company holds the concession for 1880!

"The Antibes benefit of the least expensive water from France", says Mayor John Leonetti (Radical valoisien), who chaired the council Thursday validating these new provisions. With a rate of 2 euros per cubic meter, against 3.44 euros earlier, the seaside resort offers a rate far less than that usually practiced in France: 3.39 euros per cubic meter, according to the Department of Observation and Statistics .

Now it is no longer through a concession, but a public service delegation (PSD) of ten long years that Veolia will manage the drinking water of Antibes. In over a hundred years, only one amendment had been signed. It was 1992, just months before the vote of the Sapin law allowing for greater transparency in the DSP … The lobby of the water had played its full role might not see the privilege of certain concessions secular fall in the purse of a competitor

. Tiered pricing

Today, fashion is more to return to the authority, as in Paris in 2010, when the city fell last year by 8% the price of water "for the first time in 25 years", welcomed then its mayor Bertrand Delanoë (PS) business card. Marseille, Lyon, Lille or Bordeaux could take over the management of their water, as did medium-sized cities such as Saint-Malo, Castres, or Vierzon.

At Antibes, lower water tariffs, negotiated through two independent studies of a total of 80,000 euros, is accompanied by a progressive pricing. Households consuming less than 120 cubic meters per year will receive a 78% lower rate than previously practiced. All cubic meter consumed beyond will cost more, with a reduction of 34% anyway. A system designed "not to encourage waste. Including that of the common, thanks to the Water Act passed by the majority, now pay their bills just like any run, "said Jean Leonetti. On the other hand, the neediest families, "the order of a hundred," benefit from "water ticket" exempting them from payment.

The consequence for Veolia? Its profit margin will drop to "15% to less than 3%" of the contract, according to the mayor. The price to pay to keep his wallet in a town of 75,000 inhabitants. Not necessarily enough to reassure shareholders of Veolia Environnement, whose debt stands at nearly 15 billion euros, whose shares closed Thursday down 0.84%.

ALSO READ:

"The water service criticized

"Competition hardens Veolia and Suez

Zara gives a future city youth

 

A modern fairy tale with young "misfits" in the lead roles. Four years ago, Jean-Jacques Salaün, the general manager of Zara France, has launched a new and daring to help disaffected youths from tough neighborhoods. "I told myself after the events of 2005 in the suburbs that we had to do something for these kids abandoned," he says. The French boss of the brand's ready-to-wear convinced his Spanish CEO to leave in recruiting Permanent, full-time and minimum wage, a dozen young per semester that will train and promote vendors as two stores. "I'm young that nobody wants, while others take only young people that everyone wants," says he: women forced into marriage, deprived of political refugees, young people out with their families or society – some have been in trouble with the law. The tenth "promotion" began training this week.

Soon selected, prospective vendors are sent 15 days in a hotel in the Paris region where they are supervised 24 hours 24. "They are given drama lessons, speaking, sales, kitchen …, detailing the patron of Zara France. They are taught the basic rules of group living. Personalities come every day to talk about their passion and their profession. "Raymond Domenech, the former coach of the France team football, is a faithful

. "They just trusted …"

"It is not easy, there are tensions, but the fact of failure to trust them is one key to the success of the operation," added Jean-Jacques Salaün, Michel supported daily by Paras, the Steward FW. "It was so beautiful – we were fed, housed, paid, we got celebrities – we thought there was a trap, remembers Konte, a young of the first class that will become part of the Zara Montparnasse in Paris. And no, there was no wolf guaranteed high risk personal loans. They just trusted, given a job and they made me an example for all of my small city. "

Once their training is completed, youth are sent for a week in stores where they are supervised by a tutor, one week before returning for a final training in sales techniques. "After a month this plan, I challenge you to tell me what are the youth who attended this training," says Jean-Jacques Salaün. "They are like other sellers, confirms El Idrissi, store manager of the Boulevard Haussmann in Paris, which hosted five young people in four years. It is just more attention to them without making them privileged. "

150 000 euros per year

An operation that works! In four years and nine promotions, 133 youth were recruited from Zara, 50% are still working. The operation has a cost, not insignificant: 150 000 euros per year. "It's great, but it's not rocket science for a big company," says Jean-Jacques Salaün, who never wanted to mention this in the media before being asked by Le Figaro. "And it's useful. I regret never having managed to convince other major groups to do the same. "

Especially since this operation has not only served troubled youth … It has helped reduce the number of part-time (common in the trade) for all employees by extending the CDI system on two stores in 600 vendors . And this is just the beginning for Jean-Jacques Salaün account duplicate this system to other brands (Zara Home, Massimo Duti …) group Inditex which owns Zara.

ALSO READ:

"Fewer offers for young graduates

SERVICE:

"Job offers in France and abroad with Cadremploi

FOLLOW THE INSTRUCTIONS ON FIGARO:

"Twitter: @ LeFigaro_Emploi

The submarine curious for billionaires

 

Yesterday, James Cameron, Titanic director has given the private submersibles under the spotlight the feat by successfully exploring, alone in a small sphere, a site 10 kilometers under the sea off the Philippines.

Certainly, it is far from the submarine Phoenix, luxurious project of U. S. Submarines: $ 78 million and 65 meters long. It can cross the Atlantic in one go and has, height of chic, its own miniature submarine. Maybe he interested Richard Branson, the Virgin boss adventurous. It prepares to dive in the Puerto Rico Trench with its own submarine by 8600 meters of water in search of possible treasures.  

Competition is low: according to the manufacturer SEAMagine, only a dozen billionaires possess a submersible, but more often would welcome megayachts small submersibles one million dollars.

French side, the builder DCNS is on deck: its Nautile, the source of scientific submersibles, may well also realize the dreams of billionaires. Who can do more

.

ALSO READ:

"The incredible diving James Cameron

"A hundred years ago, the Â" Â Titanic "â € |

"James Cameron reached the bottom of the oceans alone

"James Cameron, the man of the Pacific

Customers Free forgive "errors of youth"

 

Free Mobile customers retain a large majority, confident in their new operator. This is what spring launched a call for evidence on lefigaro.fr, which raised last week over 500 comments.

Two major trends. There are those for which the passage went smoothly and that no difficulty to make calls. "In Grenoble, it captures nickel without using the Orange network," says Andrei. "In some places, the coverage SFR does not allow me to capture correctly and to Free, in the same places, I get the network" welcomes Jules.

"Between 17 and 20 hours, it's hell"

Then there are those, more numerous, who see recurrent problems call for the evening, as well as cuts. "Between 17 and 20 hours, it's hell for making a call. It always fails on "network busy" and you have to try again twenty times to make a call, "says Emily. "Since March 5, the flow of Free Mobile 3G has enormously weakened and is very unstable", complete a resident of Lille.

Yet these customers often forgive the "teething problems" Free Mobile. "When I chose to come to Free, I knew there would be concerns, but I trust the professionalism of Free to solve these problems quickly," says Guy, Internet subscriber for ten years at Free. "At that price, I agree to some problems of network", abounds Paulo, who has spent her entire family at Free Mobile. Anthony, He remembers the difficulties encountered by the first mobile operators. "I suppose we must give some time to Free to upgrade," he considers.

Other customers are less forgiving. "I regret that I spent at Free! Customer service is saturated with calls. This is not a serious operator who was obviously not prepared enough to get into the mobile, "says Vince. "I just changed to B & You (the low-cost brand of Bouygues Telecom, Ed). There's no commitment so, who knows, I may come back when they are at Free at the point, "says Jordan.

ALSO READ:

"Free Mobile aallumé its network

PS project: the note gets longer

 

During the presentation of his project in late January, Francois Hollande announced 20 billion of new spending, financed mainly by tax increases and some savings. The Enterprise Institute is in general agreement with the encryption of the Socialist Party.

But the think tank (think tank) notes that the candidate PS has proposed in its draft other measures that do not appear in the details of 20 billion. As such, the ecological transition (1 online payday loan lenders.8 billion per year according to the Institute), very high speed over the entire territory (1 billion), hiring employment center (0.8 to 1.2 billion ). Added to this are the measures announced later, the bill may be between 3.9 and 6.5 billion per year in 2017, according to the Institute. By itself, the establishment of an early childhood service would cost 1.8 to 3.7 billion.

First historic loss for Credit Agricole

 

For the first time in its history, Crédit Agricole SA ended the year 2011 in the red. This loss of 1.47 billion euros is due to a double effort: trying to balance the Greek crisis and adaptation to the new world of banking.

"The Greek situation continued to deteriorate throughout the year. Emporiki, the local subsidiary of the group, saw its operating losses increase, "says the group in a statement. In total, the cost of the Greek crisis did go up in smoke 2.4 billion euros in 2011. It had already cost the green bank over two billion euros the previous two years. Positive, the group has managed to reduce by half the level in nine months of Emporiki refinancing by its parent.

The second part of the bill, presented to the regional, for adapting to the new world of banking. In this respect, John Paul Chifflet, the general manager, did not choose the half-measure. Its vast battle plan, unveiled last December, resulting in 2.5 billion euros in provisions and impairments on acquisitions too aggressive fast cash now. In parallel, the mutual bank will embark on a diet, mainly driven by the Corporate and Investment Banking (CIB). For this subsidiary, lost $ 150 million over the years, adapting to post-crisis world through the sale of portfolios, the removal of 1750 positions and the withdrawal of twenty-six countries. The adaptation plan costs nearly 500 million euros in the bank.

Cumulative, Greece, impairment in the fourth quarter and the adaptation plan dug accounts of Crédit Agricole SA of 4.4 billion euros. These losses do not yet call into question the soundness of the Credit Agricole group, based on fieldwork of the regional banks. They have not fallen in 2011 with a cumulative profit up 3.6% to nearly 4 billion euros. The Crédit Agricole group as a whole shows and an annual profit of 812 million euros, against 3.6 billion in 2010. The group has a solvency ratio of the nails in the European requirements to 9.6%.

The Paris daily reprieve in Normandy

 

The new, bad, is not yet official but could be announced to employees on a works council to be held Monday, February 27: Paris Normandy could file for bankruptcy. According to the union SNJ, the regional newspaper, owned by Hersant Media (GHM), after considering a social "scale" would be forced into this solution and, more broadly, the entire division titles Norman Group Hersant Media, which includes, besides Paris-Normandie, Havre Free daily newspapers, Le Havre-Presse and The Progress of Fecamp, and their weekly supplements.

The direction of DRG does not comment. But the situation of his pole Norman is actually very difficult. The paid circulation daily Paris-Normandie has dropped 23% since 2006 to just 52,606 copies at last count of OJD. That of other securities decreased by 26% in five years.

"We fear to a social minimum, at worst a bankruptcy filing," said the AFP-Benoît Marin Curtoud, delegate from Paris to Normandy SNJ.

Discussions with the Belgian Rossel

While DRG is continuing discussions with the Belgian group Rossel to create a joint venture of leading regional dailies in France, the pole Norman seems to be a final hurdle before the conclusion of an agreement. According to the SNJ, the Company Norman publishing and printing (SNPEI), which publishes such titles and employs 365 employees including 114 journalists have registered last year a deficit of EUR 2 million and annual sales of around 40 million.

For the Hersant Media Group, which has already had to close last November Comareg (Released Sold) resulting in the heaviest social of 2011 in France (1650 employees), the liquidation of Paris Normandy would be a second crushing defeat.

Spaniards against the reform of labor law

 

The Spaniards were present at the call of the unions. In 57 cities, the protests against the reform of the labor market have attracted hundreds of thousands of people. The organizers are talking about 500,000 demonstrators in Madrid and Barcelona to 400,000 – the police has seen ten times less. This first national day of action against the Conservative government of Mariano Rajoy has mobilized in any case beyond the adherents of the two main unions, Comisiones Obreras (CCOO) and Union General de Trabajadores (UGT). Protesters accuse the Executive to facilitate the dismissal and push workers into poverty. Reform, adopted by decree, reduces redundancy of 45 days per year worked to 33. It introduces a new CDI together with a trial period of one year and allows companies struggling to lower wages without consulting their employees.

In Madrid, where union leaders have been leading the parade, the event was festive. In this weekend carnival, some of the protesters came dressed up. Here, a family dressed up as cavemen wearing a sign reading "Go back to prehistory." Here, the character of the albums Where's Waldo? Says "seek democracy."

"Huelga General"

In major Spanish cities, the "critical sections", heirs of the social movement of indignados, have swelled the ranks of workers payday loan. The outrage, however, maintained a safe distance with union leaders. A kind of protest in the event: "Thanks for coming!" They chanted, ironically, to the Union address. For from the adoption of Decree ten days ago, the indignant took the streets of Madrid, without waiting for permission from the prefecture, or call the CCOO and UGT.

The latter is intended primarily rely. "The event this Sunday is only the beginning of the engagement," explains the spokesman for CCOO, Fernando Lezcano, without ruling out a general strike. The "huelga general", thus: in the processions, the claim is almost unanimous.

Mariano Rajoy said the protesters from Seville, where his training, the Popular Party (PP), celebrating its 16th national congress in a triumphalist mood. "Reform is just, good and necessary for Spain," he said. Rajoy announced new "sacrifices", without giving details. Before the elections Andalusian March 25, the head of government is cautious. Even if this bet formula: "It will not be pleasant, but the Spaniards are in agreement."

ALSO READ:

"Spain reduced dismissal costs

"Reforms: half a million Spaniards in the street

"Austerity: social unrest in Spain and Portugal