Accor focuses on education to promote its businesses

 

When companies come to the aid of National Education to better support youth in their future educational and vocational guidance. It is the sense of partnership on Wednesday that the sign of the global giant Accor hotels and restaurants with the Minister of National Education, Luc Chatel.

"The group is engaged since 1993 with the Ministry of Education since it was the first French company to sign the foreground job. But today it is a partnership with a major action plan and quantified over five years, "said Christophe Alaux, CEO of Accor in France.

Often highlighted for its ability to set foot in the door for young or unskilled, through comprehensive training courses and tutorials, Accor's commitment revolves around three main areas: promoting the attractiveness of trades hotels and restaurants (it develops over a hundred through its seven brands) among young school students, enhance the employability of its employees and increase the effectiveness of teacher professional sector.

Each of these areas is accompanied by targets. Accor is committed to welcoming and 3500 youth courses each year. The group will also invite every thirty years of college and high school classes to spend a day in a hotel, while half days in the individual hotels will be offered to college students in fourth and third to help orientation. "A measure aimed at young and unskilled in Ile trouble employability provides Accor organizes a week of immersion in a hotel in France followed by a 13-week stay in Britain including four weeks of language preparation and 9 weeks of training in hospitality, "says Antony Recher, the new HR group, stressing that" the group can give opportunities to public school in big trouble. "

Train teachers

Teacher training side of Trades Catering, Accor plans to take several initiatives. For it is true that innovation is a poor cousin of the present teachings. "We will offer two days of training on revenue management and distribution to the Accor Academy, for 30 teachers each year to train for new jobs in the hotel," says Christophe Alaux. The group also make available educational materials teams and teaching tools (including e-learning software). Professors of the third class will also be greeted by complete immersion for a period of 4 days to discover the hotel trades and receive lights on profiles and skills needed in the sector.

The last part of the agreement, the employability of employees of the group, it will be characterized by the rise of APEL (accreditation of prior experience), puisqu'Accor agrees to accompany each year 100 employees in this process. Each brand group will choose a particular function: Novotel for example decided to help its managers accommodation and restaurant in the VAE for obtaining a BTS housing and tableware. Pullman could commit to careers in housekeeper and maids while watching the IBIS technical track maintenance. In 2011, Etap Hotel, Hotel F1 renewed its device VAE for a group of nine directors, who obtained the Bachelor program of Rouen Business School.

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The mutual health destination of animals

Why purchase a mutual health destination of animals?

Contrary to their owners, pets are not covered by Social Security.

But veterinary costs can reach high amounts. It may therefore be useful to subscribe to a mutual health a pet to take care of these costs.

Insurance intended for pets allows indeed a cost of sickness, accident risk, and even risk death.

What animals are affected by a mutual health?

If dogs and cats are often the main beneficiaries of mutual health destination of animals, the New Pets (NAC) are not far behind. The latter include some mammals (ferrets, rats …), reptiles or birds.

A mutual health destination for New Pets is especially recommended that they should mostly be treated by specialists. The vet bills are higher.

How to buy mutual health destination of animals?

As with any individual wishing to purchase health insurance, it is first necessary to make an inventory of needs.

We must then make a comparison of different pet insurance. It can be done easily online to get an idea of ​​prices before committing.

Namely: to buy a mutual health destination of an animal, various documents relating to it are often necessary (vaccination certificate, certificate of ownership, …)

The operation of the mutual health destination of animals

The mutual destination of animals functions as a conventional health insurance.

Following each visit, the pet owner receives a care sheet. Transmitted to the mutual, this sheet triggers the reimbursement of expenses incurred. The amount reimbursed depends on course conditions health insurance contract.

Note: Some pet health insurance even offer third-party payment so as not to advance the costs.

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MBAs remain attractive despite the crisis

 

Times of crisis are double-edged for the MBA. On the one hand, the full-time programs are rubbing their hands, because the lack of economic dynamism, and therefore attractive enough career prospects for managers, strongly encourage them to invest in formal training they will release a When the economy rebounded. Conversely, executive programs, whose participants are mostly still in office, are less likely to see pay for training by their employer.

This year, the situation seems much more mixed. The full-time MBA from HEC shows a decrease of 15% of applications. "This is an effect of the global crisis, and to a lesser extent impact of the circular Guéant who last year restricted the issuance of work visas for some of our international graduates," says the deputy director of the MBA HEC, Bernard Garrette.

Diversity profiles

For its part, Insead has seen the number of candidates to the program full time ten-month increase in proportions which he described as "moderate." Faced with an upsurge in applications, the International MBA from EM Lyon has chosen to preserve a small promotion (thirty people) and has revised upwards its selection criteria.

In both schools, it is recognized that these good figures are also linked to a greater diversity of profiles. If applications from Western European managers tend to settle, they are balanced by a growing interest among Asians, Indians and Latin Americans. The same goes for the European Executive MBA from ESCP Europe. "For the winter semester 2012, our Executive MBA candidates are substantially identical to those of January 2011. Our recruitment is based on our five campuses European balance, including an increase in the number of candidates on Berlin, "says Valerie Madon, program director.

Facilitating employment

The development of strong co-investment between participants and employers may contribute to not fall too in Executive MBA candidates. The young executive MBA from ESC Dijon has even increased its staff this year (18 participants). Service statistics careers in any case seem to agree with those who are engaged in an MBA. At HEC, over 90% of graduates in June 2011 were placed in less than three months.

And opportunities are as interesting as before the crisis. The study TopMBA.com QS Jobs and Salary Trends Report 2011-2012, the salaries of MBA graduates have even increased by 10% in Europe last year. "Companies are definitely more time to recruit to ensure they have found the right profile, but when they found it, they reward the true value," said Joe Li Puma, director of the International MBA from EM Lyon.

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"The press needs a solid sales network"

 

The Act of July 5, 2011 amended the Act of April 2, 1947 Bichet governing the distribution of the press in France. The role of the Supreme Council of the Courier press is reinforced. Its decisions can now be enforced by the Regulatory Authority for the distribution of the press, newly created. To the President of the UNDP, which represents 30,000 newsagents, the way is thus open to the implementation of reforms, as the set.

LE FIGARO. – In the context of fierce competition between Presstalis and MLP, that becomes the sales network of the press?

Gerard Proust. – All the attention is currently focused on the situation of e-NMPP and custodians who act as wholesalers, because they structure the distribution of the press. Their business model is affected by the steady decline in sales. Presstalis responds by reforming its organization, but is being weakened by the departure of titles that will be distributed by mail MLP concurrent capable as appropriate to offer better rates. The trustees seek to rehabilitate their missions and resource to the new situation. But that does not detract from the urgency, at least, the situation of press merchants, who provide the relationship between supply of press and public.

Gerard Proust. – What makes you say that you forget to press the merchants?

When we deplore all the time the crisis of the press, and we do not get lost in the competition by explaining that the paper deliver new technology, we forget that it is primarily to closures of points -500 specialty sales per year! – we should lower the diffusion constant. There is no release that can stand well without a strong sales network. But yet we forget! His compensation is still insufficient to attract entrepreneurs and empower them to adapt to consumer expectations. I'm currently reading the proposals presented to the Superior Council, which suggest that the financial resources of the sector, now rare, be directed first to the other players. So I have every reason to fear we think too late to merchants when they are exhausted. I even saw that Stavros Dimas offer some burdens on traders, then we should be to alleviate the primary concern!

What is their situation?

They are not facing a crisis of paper seen by the overall maintenance of our turnover bookstore or card shop subject to the same competition from the Internet-but a crisis of the dispensing apparatus, which supplies the sales network so that it arrives in this double feat: distracting the consumer and discourage the merchant. Be aware: 60% of our supplies come away with unsold (it's more than half of the volumes delivered that do not meet the expectations of customers of the shop, who are squatting in blighted areas and that the merchant who monopolize would be better served to welcome and advise his client) and 20% of gaps in the sale (it's one in five who has not found among his dealer that he had come in search)! What a waste … Thus the turnover flexes for several years, as broadcasters abandon their profession, and that the sector is thereby destabilized the whole, with its greater risk. 

What are your recommendations?

There is no inevitability to the current situation of the press distribution, means rebound there, going through the procurement reform, for better consumer satisfaction, and improved compensation the merchant, to convince entrepreneurs to focus on our business. Must be provided at point of sale assortment of titles that meets customer expectations, we know such identification. This procurement method is practiced by all modern commercial networks, and even to sell the press in some European countries. It has been long and carefully defined and tested by the entire profession, before his deployment is blocked because he got obviously a handful of "editors" whose abuses led to the exhaustion I described the system.

This reform will suffice?

No! Soon, it will take to change the pay conditions of the merchants, always worse off when compared to their European counterparts, but also to other trade business. We must learn to lock onto them, because they are the ones that attract new entrepreneurs at the expense of being a merchant Press. It is they who come to occupy the commercial spaces, often the most prominent, as my colleagues leave vacant. When the publishing community is concerned about the turnaround of its sector, it must file the compensation of its sales network and not a priority, as I fear, a subject that "come after".

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The loss of triple-A does not interfere with management

 

The downgrade of France by Standard & Poors on January 13 did not have the effect feared. Markets do not collapse, the lending rates did not explode … And executives do not seem affected. According to the latest barometer of Eco-ViaVoice, only 29% of them think that the loss of triple-A will impact their business. Surprising but positive, this result illustrates the gap between the hype and the consequences of lowering "The financial situation of a company, not the triple A which is," says François Miquet-Marty, president of ViaVoice , before adding, however, "this reduction is not confirmed by other agencies, it remains in perspective."

Ineffectiveness of political discourse

Beyond the triple A, the composite index of moral frameworks rose slightly for the second consecutive month at – 48 after – especially in January and 52 – 56 in December, its lowest level since the barometer in 2004. However, for François Miquet-Marty, "it is difficult to talk of improvement, all the remaining indicators, sobering …" For if the frames, as the markets seem less concerned, they are generally pessimistic about the economic activity . For 69% of them, the standard of living in France will deteriorate over the years, where 10% think it will improve, an increase of 5 points. On employment, 82% expect an increase in the number of unemployed.

"At three months of presidential executives do not perceive the candidates' speeches, possible improvement levers on the issue of unemployment," worries Francois Miquet-Marty, noting that "they place little hope in politics. "

About their financial prospects, they remain grim: 41% of executives expect a deterioration of their financial situation in the coming months. Career opportunities remain "weak" for 78% of them. Finally, motivation, stagnant, with 40% of executives reported that their employees are being motivated.

Flat in this context, only a takeoff of the presidential campaign could cause a rise of the honest moral frameworks.

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A few weeks before Christmas, a doll sold by the chain Toys "R" Us "wreaks havoc across the Atlantic to the point that offended parents rushed to the site of the company to request that it be removed at the earliest of the sale. For, they say, the doll that is part of a set of triplets do not babble as usual by spelling his name does not twitters saying hello, do not cry when she feels lonely. No, this doll … jure. And what rough way!

To listen go to a child who takes her in his arms, is believed to actually hear the words crazy bitch (bitch sort of) in his babbling. Enough to jump to the families who let go on the website of the company and called for a boycott!

"Do not buy!"

"Return the dolls, boycott Toys" R "Us, outraged Sue, of Tulsa (Oklahoma, south) on the website of the chain of toys under the picture of the doll."I'm outraged," exclaims also a grandmother of triplets from Boise (Idaho, north-west). "My girls were 2 and a half years, I do not want her to hear such language,".

"Do not buy," recommends his side Danyelle, Fayetteville (North Carolina, South East) who said he checked with six different people that the doll angelic promise indeed.

A spokeswoman for U.S. Toys "R" Us, said the doll is sold in the United States did not swear, and it was only a "babbling." "We will not sell obviously not a doll swear, "said Jennifer Albano, adding that the brand of toys did not intend to withdraw from the sale.

This is not the first time that toys are controversial within days of Christmas.

Action Housing continues the state court

Having long raged about the punctures of the State Budget, Action Housing, the former 1% housing, just go on the offensive. Reportedly, the joint body attacked last Friday before the Paris Administrative Court of the State's decision to withdraw 3.7 billion euros between 2009 and 2011. These funds are used to finance the Anah (National Housing) and ANRU (National Renewal). "We made an informal appeal with the government against the decree fixing the puncture but we never received a reply, said Jean-Pierre Guillon, Chairman of the Supervisory Board of Action Housing. We decided to attack the government for abuse of power. "

Smart devices

If Action Housing is the case in court today is with an idea behind the head.Last July, the government has said that he would collect 3.25 billion euros over the period 2012-2014. To sweeten the pill, the Secretary of State for Housing, Benoist Appeared, has committed to implement clever financial engineering to boost the cash flow of Action Housing. "But we have no documents indicating that commitment forward Jean-Pierre Guillon. If the minister changed, the following may not feel bound by that promise. "More generally, Action Housing, which collects 0.45% of payroll companies, believes that this aspiration will prevent it from fulfilling its mission . For example, he does not see how it could fund 45,000 homes for young people as he had promised a few months ago.

With this lawsuit, it seeks to pressure the state to be released in the coming weeks the decree laying down the drain of 3.25 billion between 2012 and 2014.

Your money is of interest to banks and the State

"Frankly speaking, I am interested in your money." All those who lived through the 1970s and 1980s remember the shock of the BNP slogan, which even then was nationalized. No bank would dare to go now so funny and cynical investors. Yet that is what is happening in practice. While the international financial markets flageolent, banks have flared up the race for deposits in the Hexagon.Are there in fact more convenient way to strengthen its balance sheet to use the savings of the French? Crédit Agricole and Crédit Mutuel, among others, have increased their advertising in favor of ELP, the savings plan housing new way: these deposits are considered by the now famous Basel Committee, responsible for defining prudential norms – as quasi-equity for financial institutions.

Banks are not the only ones eyeing the nest egg lights. The state is known, has an unquenchable thirst for money. The temptation is great to draw from as well. Jérôme Chartier, MP Val-d'Oise, has proposed that individuals have the opportunity to subscribe directly to the obligations of the State, Treasury bonds (OAT). "We could start with finance and 10% of total annual loan of 220 billion euros," he suggests.It envisages a system of subscription on the Internet to avoid the costs inherent in banking networks, including management fees may represent an additional 1% (plus interest).

The project is not entirely new. It was piloted in 1994 by the Balladur government: the Treasury reserving a specific tranche "OAT individual" in its broadcasts. This financial instrument was abandoned in 2006 due to attract customers. The "widow of Carpentras" (the small investor) preferred then feed the bubble stock exchanges, judging the performance of OAT profitable enough, recalls one at Bercy.For its part, the Treasury was less expensive to seek international investors.

In the red for nine years

Change of scenery in 2011: local savings find the discreet charm of the bourgeoisie when the foreign markets on which the Agency France Trésor is currently funding two-thirds of the debt of the State, may be closed like an oyster. "In Italy and Japan, the holding of public debt by individuals is important, between 10% and 15% of their financial wealth, whereas in France it is ridiculous," said Professor André Babeau, which publishes this week his new book (the financial behavior of the French by Editions Economica) business card.However, he rejects the proposal made by Edouard Balladur last spring to create a sinking fund debt based on perpetual bonds placed in the public and paid at the rate of A booklet with the same tax exemption. "Will he go to the forced loan, a formula that had not even been used in three major loans from the First World War?" He quips.

The French are often presented as a nation of ants with a sense of the economy, but it is largely an illusion. Their financial wealth is certainly valued by the Bank of France in 3643 billion (31 December 2010), more than twice the amount of the debt.Better last year households "putting money left" to the tune of 207 billion euros, according to the INSEE (the savings is the difference between disposable income, after tax, and what is spent on consumption).

The gross saving rate of individuals is thus one of the world's highest (15.1% of their income) while the State and other jurisdictions have charged at the same time an overall deficit of 136.5 billion francs (in 2010). The contrast is striking. The French seem virtuous individual, when it comes to managing their own money. But it is brought to vice, in any case the prodigal when he is in the community and the public finances are."The State, this great social fiction through which everyone endeavors to live at the expense of others," concluded the polemicist already Frederic Bastiat (1801-1850), apostle of liberalism.

Should be taken into account simultaneously all these elements to assess the situation. It appears that "France is not a global investor," says André Babeau. When calculating the surplus individuals, public sector deficits and financing needs of businesses, the House France has a deficit of 42 billion external euros (in 2010). And for nine years, the country continues to be in red.

The deposit within the French savings banks look at him with lust and the state could make a guarantee of national independence and the markets stateless. But clearly, the jackpot can not be used twice.Even banks and insurance companies are fighting to capture the windfall, where the ebb of life insurance in recent months. The State will be there the third robber in the story?

Crucial week for banks

The week promises to open high risk for the European banking sector in general and French institutions in particular. Literally slaughtered on the stock market since the beginning of the summer, the banks are preparing to face new headwinds. While the Europeans this week to finalize the second bailout of Greece, the rating agency Moody's might, according to some rumors, lower the credit rating of three French banks, BNP Paribas, Credit Agricole and Societe Generale. June 15, the agency had placed under "surveillance" for three months, with "negative outlook" because of their exposure to Greece. If she sticks to what she had said before the summer, Moody's lowered by one notch notes BNP Paribas and Credit Agricole and two notches that of Societe Generale.During the weekend, Moody's and the three banks involved have declined to make any comment.

The Perfect Storm market, this change of note, even anticipated, will be a blow to those banks seeking to reassure investors about their ability to refinance. The climate is harmful: the action of Societe Generale, the most attacked by the markets, has lost 56% since January 1, BNP Paribas, Credit Agricole and 37%, 43%. The European banking index at the same time dropped by 35%.

Troika in Athens

The tension is escalated Friday when the very orthodox chief economist at the European Central Bank (ECB), the German Jürgen Stark, resigned to show his disagreement with the assistance provided by the Mint of the fragile the euro area, including Italy and Spain, as a redemption of their bonds on the market.To make matters worse, banks are reluctant to lend to each other. Deposits from day to day banking in the euro area with the European Central Bank (ECB) are at record levels.

This week, representatives of the troika (EU, IMF and ECB), to oversee the accounts of Greece, it will return. They had left unexpectedly in early September, saying that Athens had not fulfilled its promises in terms of privatization and economic reforms. The Greek government has given additional pledges Sunday and EU Commissioner Olli Rehn said he was confident in the prospect of an agreement by the end of the month. Time is short indeed: Greece is in dire need of approval from the troika to receive a new tranche of EUR 8 billion taken from the first aid plan in 2010. A refusal would mean the default.Banks that have lent money, would suffer, while heavy losses.

In this context, the debate rages about whether European banks, which hold their balance sheets in packages of loans to countries in fragile states in the euro area are adequately capitalized.

August 27, Christine Lagarde, the executive director of the IMF, had felt it was "urgent" that the European financial institutions reinforce with new capital. Saturday, it reduced his remarks, adding that the figure of 200 billion euro recapitalization needs of European banks was only a preliminary estimate "under discussion" …

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Wall Street offers a strong rebound

The rebound was confirmed on Tuesday on Wall Street after two weeks of choppy stock markets worldwide. The New York indexes opened higher in small (0.22% for the Dow, 0.36% for the Nasdaq), after a session very agitated. But they gradually accelerated their progress. Only the earthquake of magnitude 6 that shook the East Coast of the United States shortly before 20h (French time) slightly slowed the increase without transactions are disrupted. The Dow Jones gained 2.95% to close at 11,175.10 points and the Nasdaq dominated by technology wins at 4.29% to 2446.06 points.The broader index S & P 500 finished its part of a gain of 3.43% (38.53 points) to 1162.35 points.

The only macroeconomic indicator on the agenda on Tuesday, however, was likely to reinforce fears of the market: sales of new housing in the United States have in fact declined by 0.7% in July, following declines of 2 9% in June, according to the Commerce Department. On an annual basis, the sales trend to 298,000 units (300,000 in June after), while analysts on average had forecast 310,000. If other indicators will be announced in the coming days, investor caution, but market volatility, however, should remain in force throughout the week until Friday.

That day, in fact, speak the chairman of the Federal Reserve, Ben Bernanke.Speculation is rife, some still hoping that it will decide a third monetary easing to support the U.S. economy. Will also be unveiled for the second estimate of U.S. GDP for the second quarter.

Banks and investment funds turbulent agitated

Oil markets, a barrel of "light sweet crude" for delivery in October closed up 1.02 dollars to 85.44 dollars in New York. As for gold, it never ceases to reach new records: the precious metal has reached this morning for the first time in its history to 1900 dollars quick payday loan.

As for values, the securities of the banking sector managed to recover. Monday, banks have suffered a lot and have weighed most heavily on the Dow. On Tuesday, Bank of America finally finished down 1.87% to 6.30 dollars.The bank, however, lost up to 6% to 6.01 dollars after losing 7.9% Wednesday on rumors of capital increases.

UBS gained 5.23% to 13.64 dollars, while Goldman Sachs ahead of 0.33% to 106.86 dollars, a government source who reported that the bank had hired Reid Weingarten, a lawyer of reputation, that markets see as the harbinger of a tough legal battle over the role of the bank in the financial crisis of 2008-2009.

News is expanded on the side of investment funds. The fund Cerberus and its partner Chatham Lodging Trust and have informed the United States real estate company Innkeepers Trust (Marriott franchise) they did not buy the walls of 64 of its hotels in the United States.The transaction, amounting to $ 1.1 billion, was announced in May.

The investment fund Jana Partners in New York and the pension fund Ontario Teachers Pension Plan, shareholders of the publisher McGraw-Hill (4.45% to 38.69 dollars), for their part stated the recommended separation group's activities. The two investors, who had announced in early August have acquired a total of 5.2% of the capital, advocated in a paper presented to the authority of the U.S. equity markets (SEC) that the group split its divisions Education, Information and Media and stock index Standard & Poor's.

Finally, on the front of mergers over the world stock markets, the Committee on Foreign Investment in the United States (CFIUS) approved on Tuesday the merger of NYSE Euronext (5.17% to 26.23 dollars) and Deutsche Börse (-0.67% to 56.52 dollars) that should give birth to the first global exchange operator.