In the wake of European stock exchanges, investors should play the card of caution before knowing the details of the implementation of the anti-crisis plan of the euro area. At 12 hours, the index futures on the Dow Jones retreated slightly from 0.4% to 12,123 points. At the same time, those on the Nasdaq and S & P 500 declined by 0.43% to 2383.50 points and 0 no credit check payday loans.4%, to 1277.50 points.

Keep 12,000 points

Clearly, the objective of the session will be to keep the 12,000 points, recovered yesterday thanks to the announcement of a stronger than expected U.S. growth in the third quarter. "On the month, Dow Jones, which had not changed over the 12,000 points since August 1, now displays the best month ever (no higher than 12% has never been seen in 115 years ), "said elsewhere Chrsitian Parisot at Aurel BGC. The euphoria of yesterday should calm down, to allow time for U.S. investors to catch their breath.

They should also keep a close eye on the latest developments in the management of the debt crisis in Europe, with details expected in the coming days on the plan adopted in the night from Wednesday to Thursday.

The trick? These trucks are equipped with a support which can be integrated into a digital tablet iPad and speakers. A self-charging solar battery to allow the tablet to never fall behind. The user – must however bring their own iPad – can then install the Sky Go, which allows it to follow the programs offered by the Sky group's channels, in particular the five sports channels Sky Sports.Support for the tablet is attached to the front of the truck at the site usually reserved for child seats. And to avoid accidents of trucks, everything has been thought. They are equipped with a sensor that emits an audible warning when a client caught up in their screen gets too close to another truck.

"A practical and innovative gadget»

The creator of the Sky Go cart, Ian Burgess of the company Setwo Designs, said in a statement it had successfully met the "challenge" to "create a gadget that is both practical and innovative."This experiment, conducted in a single store Sainsbury's in West London, she is likely to be widespread throughout the UK? When asked about his intentions Lefigaro.fr, the distributor has been very discreet about the success of this test to its customers, as well as its intentions to deploy or not this concept to all its 934 outlets.

In France, the testing of Sainsbury's creates a limited interest in the supermarkets. Auchan, which has developed an application for the iPhone, then declined on the iPad, does not count for much install the tablet on his truck in the store. "We have no specific project for the iPad to date, but our research and development teams are closely monitoring these developments," says the distributor is instant credit reports.As for the Casino, he questioned the economic model of such an offer, which requires a significant investment to equip the truck. "This concept is interesting if it allows for example to integrate advertising," said Stéphane Bout, director of information systems group.

There is also the question of interest to consumers. The use of new technologies is not a guarantee of success. "An offer based applications for mobile phones or tablets should provide information and personalized services," says Stéphane Bout. "The goal is to meet customer expectations." To see, therefore, if the "gadget" proposed by Sainsbury's Rave.

The truck "smart" hard to take off

If the test is not processed in the UK, it could well be in China.The phone operator SK Telecom announced the launch this summer of a test in a supermarket chain Shanghai Lotus. In this store, the carts are equipped with a touch pad with which customers can synchronize their mobile phones. This time, it is not for customers to watch TV while walking on the shelves, but to receive "advice for shopping, information about products and promotions on the moment," said SK Telecom in a statement.

The adventure of the cart "intelligent" began long before the arrival of the iPad. As noted by the Telegraph, there are already in the United States carts that warn the customer when there removing the "junk food", these products considered harmful to health. In 2008, TNS Sofres conducting a study on the "Future Store".The survey found that less than 35% of consumers surveyed in France said they were interested in the concept of intelligent truck, against 70% in China, 60% in Spain and nearly 50% in the United States. The iPad, which Apple sold 9.25 million copies worldwide in the second quarter of 2011, may well make this concept more attractive.

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Two reasons. The first is that the premium desired by Nicolas Sarkozy to "restore the purchasing power of employees in times of recovery," has been perceived by most companies as an additional constraint than an opportunity to motivate their troops.The premium has indeed added to the devices sharing the existing value, such as profit-sharing, mandatory for companies with over 50 employees who make a profit. "This is even more disturbing that the incentive for the prisoner has recently been tightened," says Emmanuelle Rivez-Domont, a lawyer in employment law at the firm Jones Day.

The other factor is the economic context. "Uncertainty room makes companies cautious," says Philippe Burger, a partner at Deloitte. The evolution of the economic situation is also evident throughout the negotiations. "Before the trouble was and he threw in the financial markets, companies thought given bonuses of around 500-600 euros payday loans guaranteed no fax. Today, the discussions revolve more around 150 euros to 200 euros per employee, "says Philip Burger.The crisis reduced the premium to a trickle.

Wage increases slightly affected

Some companies, such as Rhodia, were more generous than others. But it should not enjoy these raw numbers, without putting them in connection with the incentive policy, participation or wage increase of the company, the consultant warns. "Some companies had the tools to share value added very generous, and that worked well. Explain what they have paid premiums less important, "said he.

The study also brings its share of surprises. The dividend premium against does not seem to negatively impacted as wages were concerned that the trade unions. While most companies recognize that its influence is not neutral, only 10% of them say they have reduced the envelope increases the amount of the premium.And they are more than 60% to estimate its impact on wages has been small.

Companies have until 31 October to agree on the amount of the premium, or they are liable to criminal sanction. Evidence that firms do not rush, only one in two has already ended its negotiations on the subject. "Given the mandatory nature of these discussions, and urgency, companies are simple, says the consultant. They also generally a fixed amount equal to each employee. But if the premium is sustained, they could eventually refine their criteria for distribution. "

The head of the White House should include advocating for the abandonment, when they expire, tax exemptions granted under the presidency of George W. Bush. The cancellation of these tax cuts would recover $ 800 billion over ten years.Barack Obama also plans to provide flat tax code to eliminate some tax loopholes, such as offering tax exemptions to companies acquiring business jets, the total estimated gain of these measures over ten years is 700 billion.

In his new tax plan, U.S. President should also encourage investment in education, new energy and job creation. Barack Obama is also expected to make a point of honor to defend its program of social security, Medicare, and could threaten to veto any cuts in this area if the plan is rejected tax increases.

The U.S. president faces directly the Republican camp, which just last week, made clear he would oppose any new tax increase by the chairman of the House of Representatives John Boehner.

The Head of State has already incurred the wrath of the opposite camp with a proposed new taxes for the wealthy, able to focus on the proposal by billionaire Warren Buffett that promotes the alignment of the taxation of income over one million dollars over that of the middle class. Yesterday, some Republicans suggested that U.S. President revived the specter of "class struggle".

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The debates will be difficult if one relies on the controversy that shook the majority in recent days about the increase in VAT on new theme parks. The revolt, led by former Prime Minister Jean-Pierre Raffarin, has also occupied much of the UMP conversations on campus this weekend in Marseille. And leads to development of François Fillon during his closing speech."Nothing is taboo and nothing is left," said the Prime Minister as an open … before closing the door. "The government is open to criticism and amendments, provided they do not involve the amount of effort or their balance, he warned. Consumption, business competitiveness and purchasing power of smaller should not be affected by the adjustments to be proposed. "

Competitive threat

To compensate for the 90 million shortfall in the expected drop – Finance Committee voted and announced by Jean-Pierre Raffarin following a meeting with Nicolas Sarkozy – the measure "theme parks" Gilles Carrez, the rapporteur of the budget UMP , offers a flat rate tax on luxury hotels room rates. An alternative measure already opposed by industry lobbyists.Frédéric Lefebvre, Secretary of State for Tourism, that the tax court "would deal a blow to the competitiveness of French tourism." At Bercy, it also highlights the fact that hotels could circumvent the tax by asking to be downgraded. As managers of the establishments referred, they fear that their net worth "going to other capitals cheaper." Who said it was easy to delete niches in France?

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These rates are still the subject of a bitter battle between the SNCF, which reiterates that these tolls threaten its business model, and RFF, who needs financial resources to sustain a railway network in poor condition quick payday loan. The increase was 6.4% in 2009 from 11% in 2010 and 11.7% in 2011.

For regional express trains (TER), the increase in tolls is generally softer: it should reach 2.5% in 2012 and 5% in 2013.On average, the increase should be 4.3% in 2013, while "inflation rail" suffered by RFF is 5.8%, says the network manager.

These proposals will be discussed until the end of October and will then be submitted to the Regulatory Authority rail operations (Araf).

Unpunished for decades, tax evasion is now seriously disputed by the authorities, under pressure from the EU and the IMF.In turn, the Greeks, hard hit by the austerity plans, are becoming more willing to report those who do not respect the rules of the game, however, they take care: this is almost twenty-five centuries of Athenian democracy suffered a lot of sycophants. These informers professionals who enriched themselves through their charges, have contributed to the decline of Greece.

The Chinese government estimates that S & P has only confirmed a "horrible truth". One that was highlighted by the rating agency Dagong China, which has degraded the U.S. triple-A immediately after the agreement to raise the debt ceiling.She said "the days of Uncle Sam, crippled with debt, could easily squander endless amounts of borrowing from abroad seem numbered. (…) In order to treat his addiction to debt, the U.S. must restore the principle of common sense that we must live within its means. " For Dagong, the note of the United States increased from A + to A with, again, a negative outlook. According to the official Xinhua news agency, the adoption by Congress of a text to avoid a default of the United States failed to defuse "the bomb of debt." This failure to control U.S. borrowing could affect the "well-being of hundreds of millions of families in the United States and abroad," she lamented a few days ago.

In other countries, tempers

In France, Baroin, Minister of Economy, trying to reassure.First European official to respond to the thunder of the deterioration in the sovereign rating of the debt of the United States, he ensured that France "has full confidence in the strength of the U.S. economy and its fundamentals, and in the U.S. government's determination to implement the plan that was approved by Congress this week. "

In the UK, the British Trade Vince Cable held Saturday "completely predictable" degradation of the United States. "This is a completely predictable consequence of the mess created by Congress (…) but they (MPs) have now heard, and the situation of the United States is strong enough," he said.

Japan, the second creditor of the United States, said that its policy of buying U.S. bonds remained unchanged despite lowering their score."Our confidence in U.S. Treasuries and their attractiveness as an investment will not change because of this action," said a Japanese government official told Dow Jones Newswires. Japan, which is trying by all means to curb a flight of its currency against the greenback, has no interest in selling its dollar assets for now since it would only strengthen the yen.

In South Korea, senior officials of the Ministry of Finance held an emergency meeting Saturday to analyze the consequences of the downgrade. But the government has warned against overreaction. "We need not be too worried about our economy and financial markets," said Deputy Finance Minister Yim Jong-yong. An Australian Prime Minister Julia Gillard has also called for calm markets."At the same time, the other two major agencies, Moody's and Fitch continue to note the U.S. economy AAA. So I think people need to consider all the facts, "she said. In the Philippines, a spokesman for the Presidency said that the downgrade by S & P was "to some extent a wakeup call for the U.S. begin to seriously address their economic problems. We have confidence in their ability to do so. "

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Antoine Frérot. – We must accelerate the transformation of Veolia to a new model. Circumstances require. Our strategy has not changed in three months: we want to regain profitable growth. To achieve this, we must be more selective by focusing on industries and geographies well chosen rather than spread ourselves too thin, and generate an ability to maneuver by selling assets less attractive and reducing costs. The first results are there, but insufficient, he must go further and faster. The world has changed since January. Problems related to the financial structure of local government and sovereign debt of countries of southern Europe have worsened.They depress the economy and weigh on the purchasing power. Among the consequences, the pressure on the prices of water contracts in France is increasing. Moreover, the tensions in North Africa have had an impact on our business.

How will formalize this acceleration of the reorganization?

We operate in 77 countries and carries 79% of Veolia's sales in eight of them. We decided to give some to focus on 40 countries. In many countries, we carry less than 30 million euros in turnover. We will leave less than 10% of our business. Veolia is a global, but it is not intended to be present in every country in the world. We will leave some countries of southern Europe and northern Africa, and dispose of marginal activities.The dispersion of administrative costs and control excessive.

The group did he not been arrogant in its expansion?

Between 2003 and 2007, strong global growth has been the opportunity to expand into new countries. Central Europe and Asia, we did not know it would work so well. Other activities are less well developed. Only those who do not take risks do not make mistakes.After this expansion phase, we are in a phase of digestion and concentration, although there are also some great opportunities for profitable growth in a difficult period, provided to be extremely rigorous in their selection.

What are your priorities?

We want to develop expertise on rare occasions when the demand and profitability are strong in areas where our critical mass allows us to increase our business without additional structure. These include, for example, combined heat Poland, waste treatment in England and wastewater treatment in Central Europe. By focusing on what we know how and know less than our competitors do, we will maintain strong profitability.I would add that we want to develop our own, without additional debt.

Do you think the executive committee now has the same vision of the company. This was not the case before?

In new era, new team. With the pressure on prices, our cost reductions are insufficient. We must go further, which is difficult without changing the organization. Management must be mobilized to achieve our goals: to remove a layer in the organization, change the map of our business units and restructure our seats. This acceleration of the implementation of our strategy is the next step. Veolia must be more than ever in battle.

What is the impact of your savings plan in France?

In France, where we make 39% of our business, we must strengthen our management. Our seats are too numerous and sometimes redundant, they must reduce.We will also review the organization of our teams in our division for water efficiency.

Could you get a capital of Dalkia?

It depends on the strategy of our partner. My feeling is that EDF is now the job of energy efficiency.

The transport activity is less profitable than others. Can you speed up your withdrawal from this sector?

We already share this activity with a partner, CDC, and the proposed initial public offering is to provide the means for its development without mobilizing financing of the group.

All these measures are not they also a way to settle the age Proglio?

No. They have one goal: preparing the future of Veolia.

The traveler asked for 4000 euros

In addition to the refund of his ticket, the SNCF will pay € 300 in damages for hurt feelings and € 500 in court costs. Is "approximately 900 euros payable immediately," according to his lawyer David Metaxas. This amount does not fully cover the fees it would receive due."This difference is explained by the fact that we could not account for the entire injury," said the lawyer figaro.fr. Five other passengers the route Paris-Lyon filed a writ of summons and also claim the same amount "equivalent to a day's work," according to counsel for the National Federation of Associations of transport users.

Background: Friday, January 8, 2010. As every week, the young woman took the train to Lyon to 8 hours to Paris where she planned 12 treatments of the Beauty of the Hotel Majestic. Fifteen minutes later, the TGV stops. "After two hours, we were told it was a problem on the overhead line, but we say when it would be resolved," she says. After seven hours, the train leaves for finally coming into Gare de Lyon to … 4:32 p.m., when he was supposed to arrive at 10:03.Meanwhile, the acupuncturist has lived a nightmare. "It was getting cold and I could not tell my customers I was late (because of the catenary problem, heat and phones do not work)," said she easy payday loans. Then comes lunch. The station serves meal trays. "But there were only 150 to 300 passengers and I could not eat," she says.

"These assignments will multiply"

Furious, the girl immediately returned to Lyon. "I lost my day, she says." And money: 1044 euro, the amount of his fees for the twelve sessions. The envelopes distributed by the station for a refund the ticket does not cover that amount. On the advice of his lawyer friend, she decides to press charges. His lawyer believes that the station has breached its contractual obligations, "the obligation of punctuality" and "the requirement of safety and information."According to him, a broken overhead on the network, causing disruption of traffic, is not a case of force majeure. "This kind of delay can not be seen as unpredictable, it happens all the time," says the lawyer. He added: "Beyond the delay is the way the station handled the things that is problematic: it does not inform the passengers, they are left without heating or hot drinks, we do not offer evacuate them. "

Anyway, this new case comes a little more tarnish the image of the station, faces many delays in recent months including that of the famous night train from Port Bou-Strasbourg / Nice arrived with more than 24 hours after his departure. For two other stories of late, two lawyers had also won their case against the company several months ago. "These assignments will multiply, says Mr. Metaxas. Users have had enough.Subscriptions are too expensive and their purchasing power decreases. Through these victories, users must realize that they can recover more than just a ticket refund. "