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Through the door of an auction house rather than a real estate agency, the approach may seem perilous. However, choose to sell a property at auction may be appropriate. Advertising important to alert many potential buyers. The seller also benefits from a guarantee that it does not ensure a more traditional sale. Also, no need to be an expert because the route is marked by the notary as explained Mazodier Carolina, a journalist with The Monthly Individual.

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The debt crisis in the euro area beating down the deficit from Germany. The federal government adopted on Wednesday a draft 2012 budget amended to reflect the contribution of Berlin – higher than expected this year – the mechanisms of European aid. The finance minister, Wolfgang Schäuble, predicts an acceleration of rigorous efforts from 2013, to meet the requirements set by the golden rule in 2014.

The fiscal deficit of the federal government is expected this year to 34.8 billion euros, which is double last year (17.3 billion), according to the text presented by the Minister of Finance. The initial project approved last year a targeted deficit of around 26 billion euros. Meanwhile, European leaders have decided to enter into force one year earlier than originally scheduled European MY rescue mechanism, and to make advance payment of their contribution to the capital of it.

Berlin will pay 8.7 billion euros this year for its stake in the MES. The total share of Germany in the capital of the MES will be 22 billion paid in several tranches, while guarantees for the German SS totaled 211 billion euros. And Germany is under pressure to increase the volume of rescue mechanisms.

"Abnormal"

The year 2012 is "an anomaly" in the politics of deficit reduction from Germany, Schäuble said, stressing the country's commitment to pursue "a policy of fiscal consolidation pro-growth".

In 2013, Berlin provides an increase in tax revenue (256.5 billion against 249.7 billion in 2012), which will remain insufficient to establish a balanced budget. The federal deficit is likely to decline to 19.6 billion euros, thanks to a reduction in spending a little stronger than expected 3.8%, and reach one billion in 2016, an unprecedented record low since 1969.

Schäuble announced that Germany will follow in 2014 – two years ahead of the rule set by the Basic Law in 2009 – the debt ceiling. This "golden rule" enshrined in the new European pact imposes a limit of 0.35% of GDP in structural federal deficit.

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In the stakes of companies with cash reserves of the most important, the major U.S. technology companies held the upper hand. 98 billion to Apple in addition to 52 billion from Microsoft, Google's 44 billion or 40 billion of Cisco. These five cumulative 234 billion of cash! And they all have the same problem: what to do with this money?

So much so that they are regularly subjected to a barrage of criticism from all sides: investors, financial analysts, policy and consumer. Very critical of the companies too much debt, analysts do not like to see huge reserves of unused money. They would prefer to see used to finance growth internally or externally.

This is far from true. Microsoft has spent less than 0.14% of its cash reserves in 2011 to finance acquisitions. The problem is that these technology companies are too big to grow: 90% of PCs sold worldwide are already equipped with Microsoft. Their business model does not lend itself to growth operations to increase geographical presence: Microsoft, Apple and Google are already everywhere. They could invest in diversification, but changes in industry are very difficult to manage. Google has spent $ 15 billion last year to buy Motorola and must demonstrate their ability to integrate.

Paradoxically, the distribution of dividends is also an image problem. An unwritten principle of equity markets is that a growth company does not distribute dividends cash advance. The rise of the action sufficient to satisfy the shareholder. The dividend distribution is restricted to mature companies who see their growth slowing. A dividend is a bad sign given to the market.

Consumer discontent

In fact, Microsoft has begun to pay dividends in 2003. Since then, growth has stalled. Cisco has committed to do that in 2010 and Apple, since Monday. They do that and constraints enforced. "On average, the stocks of companies in the S & P 500 offer a yield of 2 to 3%, is an analyst at Merrill Lynch. For Apple, it will be 1.8%. "Having a pile of gold is also a source of tension with the political. Between half and three quarters of reservations technology groups are located outside the United States and they will not repatriate cash because U.S. tax severely penalizes this movement. These groups of high-tech campaigning for abolition of this tax. But they are regularly criticized by American associations who wish to see them spend their money to create jobs in the U.S. and pay taxes in their home country.

Finally, consumers would be able to claim a share of the booty. If Apple has as much cash, it's because its products are very expensive and that its margins are buxom (44.7%). Consumers may therefore require lower prices.

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Fresh produce delivered daily in the capital? A puzzle given the traffic jams. Not to mention the environmental impact in a city that regularly suffers from high pollution. Yet the solution flowed from source: use the Seine to deliver food by ship to the c? Heart of Paris. Of what to avoid and hundreds of thousands of kilometers each year by delivery trucks to supermarkets. Surprising as it may seem, no city in France does not use this mode of delivery "cleaner" and less demanding in terms of energy. The idea appealed to the urban teaching Franprix, already engaged in an ecological approach: "We launched a new store concept eco-designed and implemented home delivery with over twenty electric vehicles," says Jean-Paul Mochet, director of Franprix.

But before boarding the goods from the warehouse Chennevières-sur-Marne (94) to the center of Paris, they had to solve a problem: find a port where intramural unload. But until then, the traffic by river food stopped in the ports of Ile-de-France.

450 tons of cargo per day

A collaboration has been established with officials from Ports of Paris for the redevelopment of the Bourdonnais. In a few weeks, this port conveniently located Quai Branly, at the foot of the Eiffel Tower, will be able to accommodate the barge Franprix and unload, initially, between 400 and 450 tons of cargo (450 pallets) per day . The work, which required a budget of 1.5 million euros, Parisians will also benefit, since this portion of the Quai Branly will be revamped for the occasion. It will soon be made to walkers.

Specifically, from September, our race will see the country. Every morning, the goods prepared at the warehouse will be loaded into containers then transported by shuttle to the port of Bonneuil-sur-Marne. There, the containers will be loaded onto a barge which will sail on the Marne and the Seine, 20 kilometers, thus avoiding congestion on the A4. Once the boat arrived safely, the goods will be unloaded and distributed in the trucks that deliver between 6:00 and 12: 30 pm, some 80 stores in the First, Second, Fourth, Seventh, eighth, fifteenth and sixteenth arrondissements. A small green logo "Franprix between the Seine", displayed in the window, will identify the stores delivered by river. Ultimately, this mode of delivery should reduce emissions of carbon dioxide by 37%.

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While the direction of Ikea France has since February been investigated by the prosecutor of Versailles for alleged espionage of its employees and customers, new documents overwhelm even more the French subsidiary of the giant Swedish furniture.

According to Le Parisien-Aujourd'hui en France, several e-mails show the harassment of a syndicalist CGT store Thiais (Paris region) since 2010. According to the newspaper, Benamar Mokkedem, used to restore the store been a real investigation to support management-led, since he has posted on the Facebook page of the CGT Thiais a photomontage concerning the relationship of the founder of Ikea with small groups of extreme right. The image that was traveling on the Internet was not the taste of management. Between October and December 2010, leaders of various Ikea and have exchanged e-mails with their lawyer to get the name of the author's message on Facebook and sue. At the request of its clients, the lawyer has even contacted Facebook and Google for personal information. Today indicted for public insults against Ikea, Benamar Mokkedem was also heard by the management group, and was threatened with dismissal for errors badging and unexcused absences.

Matrimonial regime to revenue

This appetite for confidential information is also denounced by Mediapart who managed to contact customers of the group on which investigations had been opened. The site is covered as well as the security director laid off today, Jean-Francois Paris, asked a detective to find personal information on a couple of customers with which the store had a dispute, but also a business that the group had contacted him to sell ad space in a publication! Information obtained ranged from the act of home ownership, the matrimonial regime, through the turnover of the company that the buyer of a cabinet was the manager.

New revelations that are sure to stimulate discussion on Tuesday afternoon. The management of Ikea France has indeed to meet 14 hours of the company unions.

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• Growth downgraded

The European Central Bank (ECB) is now more pessimistic than before about growth in the euro area in 2012. She believes that the activity should decrease slightly, by -0.1%. This figure is actually an average of its forecast range of growth rate, which ranges from -0.5% to +0.3%. "We are seeing signs of stabilization in activity at very low levels," said the ECB president Mario Draghi at a press conference Thursday. Growth should be particularly driven by exports outside the euro area and interest rates low.

While growth has been revised downwards, inflation, it has been revised upward. The ECB expects inflation of 2.4% (above its medium-term target of 2%), against 2% previously, mainly because of energy prices.  

• Assistance to banks: a success

The ECB has conducted since last December, two very large-scale operations to unfreeze credit markets, representing more than 1,000 billion euros in loans to banks in three years. "The first impact of these measures has been positive," welcomed Mario Draghi. Both loans have a giant early return of confidence in the markets, he said in substance, and investors come back in the eurozone: "We find that money market funds, which were the first to flee the euro area there is one and a half. We see, again, the pension funds. We see investment funds. "

He stressed further that many small banks have subscribed to the second loan giant BCE, among them 160 small German institutions no fax payday loans. The latter "are closer to SMEs and banks that have subscribed to the first operation," which could be the harbinger of a credit easing in the real economy, he argued.

Faced with criticism, Mario Draghi said that the massive injections of liquidity into the financial system did not cause a rise in commodity prices. Their surge "began well before the operations of the ECB," he argued.

• States criticized less

"Regarding fiscal consolidation, many governments in the euro area are making progress, welcomed the President of the European Central Bank. The pursuit of fiscal consolidation and full compliance with all commitments remains essential. "Less severe than usual about the fiscal policies pursued by the States, Mario Draghi said that the ECB had done its job with its massive loans banks and the capital needed to take over "the ball is in the hands of governments and other actors, particularly banks, to continue reforms, clean up their balance sheets so they can continue to support – especially banks – the recovery. "

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Level of taxation of mutual

Since 1 October 2011, the second supplementary budget ended the partial exemption of Special Tax on Insurance Agreements (TSCA) for health insurance contracts known as caring and responsible (respect of care pathways by the patient). The latter are now taxed at 7% (it was previously 3%). It is likely that the mutual impact of this increase on their tax rates in 2012.

To wit: with the additional solidarity tax (6.27%), mutual thus undergo a global tax of 13.27%.

The inequality of waiting periods and per diem

For staff, a waiting period of a day was introduced in late 2011. Before the entry into force of this measure, they were receiving per diems from the first day of sick leave.

In parallel, the maximum amount of benefits paid to the employee on sick leave is reduced. The latter increases from € 48.43 to € 41.38 as of 1 January 2012.

Namely: the Government had also considered the idea of ​​applying a fourth day waiting period for private sector employees prior to renoncer guaranteed payday loan.Seuil access to supplementary health and Help ……. … The threshold for access to Aid to the supplementary health and financial assistance to purchase one additional individual health is increased from 1 January 2012. It is now accessible to people whose incomes are below the ceiling plus 35% of Universal Health Coverage (CMU) complementary (against a ceiling plus 26% previously). Depending on the age of the insured, this aid is between 100 and 500 €.

Delisting and lower prices of some drugs

According to the Law of Financing Social Security (LFSS) for 2012, several drugs should see their prices fall. The law also provides for the delisting of a Social Security number of drugs deemed ineffective.

The year 2012 should be that of a major reform of the drug in order to clarify the links between laboratories and health authorities.

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Committee for the Six Nations, the puzzle of the new date of the France-Ireland postponed last Saturday, should be completed tonight. This is not the case of French Rugby Federation (FFR), she also faces the unpleasant consequences of the postponement at the last minute of the match on the second day of the Six Nations tournament.

And for good reason: about 78,000 spectators, with the majority of them paid for their seats, were present in the stands Saturday night. In addition to travel expenses and accommodation, went up in smoke, they had paid to enter the Stade de France between 36 and 110 euros for the major shows of European rugby. "The general conditions of sale do not provide reimbursement for these tickets, it says in the FFR. However, the different parts (FFR, insurance, Consortium Stade de France …) studying the subject and the possibility of compensating the injured fans the most. " If the hypothesis of simple reimbursement of tickets for spectators unable to return seemed logical at first glance, it is not acquired at all.

Necessarily financial compensation pa

If the game is postponed from this Sunday, it will be difficult for the FFR, lack of time to fill the shortfall by the potential resale of tickets redeemed. In the event that the Committee of Six Nations would choose the date of March 3, the leeway to the FFR to re-market these tickets would be wider … and could therefore support the decision of any reimbursement, in whole or part , tickets. The Federation also confirms that no final decision will be taken before choosing the new date, but an official communication will be made on the site of the FFR, when setting the terms of any repayment. It also emphasizes the study of "compensation, not necessarily financial supporters the most affected." In case of default, there are still more likely that the fans away from Paris trying to resell their tickets on the black market.

A weekend in 1000 euros for two

In addition to sporting disappointment, the financial damage is also for fans of rugby. Mainly for the fans from the south-west, but especially Ireland. For the latter, the cost of the weekend in Paris often resort to over 1000 euros for two people.

Another player injured by this fiasco: France Televisions. Often questioned, as her sisters, to put pressure on the maintenance of programming events to large audiences, the public broadcaster said, however, have fought to advance the game in 15 hours. Without success. Cost of operation: 130,000 euros, according to Daniel Bilalian, sports director of France Televisions.

Finally, in the Stade de France, the loss is more difficult to assess. According to the task, the final match between France and Italy on February 4 was generated € 1.5 million profit, and a recipe for 300,000 euros for the FFR. The France-Ireland being postponed, not canceled, the loss on the sale of products, beverages and other sandwiches should be controlled.

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Between 1200 and 1500 vocational training bodies turned to personal development are now suspected of sectarianism, according to Georges Fenech, who chairs Miviludes, the Interministerial Mission of Vigilance and Combat against Sectarian.

This infiltration of sects in the field of vocational training has now become a policy concern. To demonstrate this symposium organized Thursday by the Ministry of learning and vocational training with the support of Miviludes.

On this occasion, it will present a new guide on this topic, entitled "knowing detect sectarian in vocational training." "A book that is intended for HR, managers of businesses, organizations who are responsible for vocational training, employees and the unemployed also looking to do a conversion in this area so they do not fall into the wrong hands, "says Fenech.

7 billion in revenue

According to the Minister of Learning and Training, Nadine Morano, the controls "to track sects" will be strengthened within this broad sector. In figures, vocational training is in fact 50 000 training organizations, 7 billion in revenue, more than 11 million students trained each year and 750 million hours of training.

An area attractive for gurus of all stripes who have thus found an ideal gateway: personal development. Through coaching, management techniques or stress management, training can easily drift into teaching suspects. According to Nadine Morano, the "potential for sectarian" concentrate well in "the field behavioral said," representing "20% of training organizations."

For these structures to sectarian drift, which get their hands on vocational training, greed is obvious but not only. They thus offer a way to recruit new followers and also ensure a share of influence in the business or administration.

Fenech: "In training, we create a label"

To fight against sectarian in the company, Georges Fenech, president of Miviludes like to set up a certification system for vocational training bodies.

Since when is the training she became the target of sectarian movements?

The phenomenon has existed for several years. By 1999, a parliamentary report evoked the problem. The novelty is that one cares. There was the first law of 24 November 2009 which led to increased opportunities for control and which introduced the sectarian threat in the axes of control. The same law also listed incompatibilities with the professional development activity. There are various convictions often associated with sectarian movement as the illegal practice of pharmacy or scam. In that Act, now adds a government's desire to take the problem head on. The symposium held on Thursday, is an illustration.

Should we go further to protect the professional training of sects?

Miviludes has signed agreements with various agencies. Among them, the General Delegation for employment and vocational training to establish new lines of control. Next April and to better fight against sectarian, labor inspectors, specializing in the control of vocational training organizations, will begin to be trained over two days by Miviludes. An agreement was reached with the general direction of work for everything related to undeclared work, the forgery statutes in this area. Also, we worked with the Directorate General of Health to set up a technical support group responsible for evaluating the effectiveness of unconventional practices for therapeutic purposes.

Will you make new proposals to strengthen controls?

For clarity, why not implement a labeling system managed by the regulatory bodies, offices professional qualification training organizations. The implementation of this label, should naturally be accompanied by harmonization of standards for selection, which is not the case today. We must certainly tend towards more control. It also requires the State to develop the means to recover the amounts paid to an organization when the checks show later that the training content is irrelevant.

What can a company today who suspects a body of sectarian aberration?

In particular it may go on the new site Miviludes, available today. Everyone can ask questions and get answers.

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The atmosphere is gloomy in the Paris Stock Exchange on Wednesday. After opening sharply down, the CAC 40 ceded 0.23% to 2863.30 points at 9:40. Unable to maintain its rebound yesterday, the CAC 40 would be difficult to bounce back following the announcement of a further slowdown in the Chinese economy. Preliminary PMI Manufacturing activity in China, issued by HSBC this morning, recorded in November, its biggest drop since March 2009, to 48 against 51 in October. Below 50, this means a contraction.

The country's dependence on exports is the main cause of this fall, analysts said the bank flexcheck cash advance. China is beginning to feel the impact of the economic downturn of its main European and U.S. clients. To this end, HSBC is lowering the forecast industrial production to 11% or 12% year on year in the months to come (against 13.2% in October).

Both countries, however, block the proper role of the ECB. The German government remains the main obstacle to further action of the European Central Bank in the European market debt. French Prime Minister Francois Fillon acknowledged Tuesday, before the members of his majority, convinced that Germany was "a major difficulty."