Other European markets followed the same trend. The London Stock Exchange rose 1.03%, the Frankfurt from 0.55%. The place was awarded Milanese 0.74%. Of the European indices, the STOXX 50 was up 1.37%. On Wall Street, the Dow Jones gained 0.21% in session and the Nasdaq 0.64%.

An hour before the close, Silvio Berlusconi, won a vote to test the Chamber of Deputies with the abstention of the opposition. However, he lost the absolute majority and is thus a little more fragile still.The group reported before trading a net profit, down nearly 31% to 622 million euros, but above expectations fast cash advance. The bank also decided not to distribute a dividend to its shareholders for the year 2011 to strengthen its capital base without recourse to the market and public money. In its wake, other bank stocks also rose as Credit Agricole (0.82% to 5.14 euros) and BNP Paribas (1.79% to 31.32 euros).

Lagardère (-6.19% to 18.49 euros), with sales falling almost 6% in the third quarter, down for the second time in less than three months its earnings forecast for 2011 .

Thales (0.74% to 25.30 euros) confirmed its targets for 2011 and 2012. Sales for the nine months stood at 8.61 billion euros, down 2%. The advocacy group also just to get along with Safran on an asset swap.

"For voice, the overall quality of calls is good. The big trend this year is improving the flow for the mobile Internet, "says Joëlle Toledano, member of the ARCEP.

Banks increasingly demanding

Although mortgage rates have been stagnant since June, after rising nearly 1% in one year, individuals always go into debt on attractive terms. It should thus be between 4 and 4.30% on average for a loan of twenty years (excluding insurance) to finance the purchase of a principal residence. And surely a little more to acquire a rental or vacation home.The deal could change and banks subject to significant pressures should increase credit rates. For now, they have tightened the conditions for granting.

Before embarking on the adventure of credit, it is important to calculate its borrowing capacity and identify any risks that may arise: What happens if the tenant does not pay the rent, for example? For it must also be able to reassure the banker, became much more demanding no faxing 1 hour payday loans. To get the best credit, the borrower will then forward its best profile. In arguing in particular that it is more ant grasshopper. Adjustments are sometimes necessary. "Some will just change their lifestyle before seeking a loan," suggests Philip Taboret, CEO of Cafpi. "They all result in consumer credit and other revolving credit.Allowing them to regain some ability to borrow, "he says.

While in 2010, real estate euphoria, some bankers had begun to lend to younger households, up to 110% of the purchase (including notary fees), the capital, possibly important, has again become indispensable. "The amount of the personal contribution makes the difference. A borrower with a significant contribution could lower its borrowing rate of at least 0.10%, "says Herve Hatt, CEO Meilleurtaux.com. More than ever, it is essential to shop around banks or go through a broker to get the best rate. "The spreads are widening between financial institutions. Those who have already achieved their annual targets to increase their loan rates, "says Hervé Hatt.Those who change their domicile bank will accept their wages in the lending institution. "It's part of the negotiation," says Philippe Taboret. And also helps lower the cost of financing. Like the loan insurance. Many institutions also offer credit schemes combining different loan durations (seven, ten, fifteen years old) or variable rates and fixed rates. They can help to reduce rates from 0.10 to 0.15%.

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• For the younger

The entry into the often marks the sixth acquisition (oh expected) of the first portable. For years college required a secure package, just to protect parents against any surprises. 30 minutes to one hour per month may be sufficient communication, especially as it is to call or be called by the parents.Young people who are not yet dependent, can be satisfied with a range of sms after school (between 17 hours and 21 hours). There is no need to take Internet access at this stage.

The proposal of Figaro: SFR Square Blocked Special under 18 € 14 per month for 30 minutes of calls (one hour of calls to numbers two parents) SMS Unlimited 5:00 p.m. to 9:00 p.m.

The alternative: Package Mini Secure Universal Mobile14, € 90 per month for 40 minutes of calls (30 minutes to two issues parents) unlimited SMS to 4:00 p.m. to 9:00 p.m.

• For adolescents

The high school course involves changes in telephony. Your teen may retain a pass blocked, but more generous (1 hour or 1h30 call).It calls for unlimited SMS, including weekends, and not framed in a time slot.

The proposal of Figaro: Universal Mobile18, € 90 for 1 hour 24 h/24 appelsSMS unlimited to all opérateursSMS "apl me" unlimited to be reminded even when their credit is épuiséFull Music, Universal Music best hits of the moment Download free MP3

The alternative: Post Mobile19 € moisForfait Blocked by Loyalty 1 hour of calls sms

• For students

No more blocked packages, the grown children are now able to manage their own subscription.We spend 2 hours of calls, SMS (always) unlimited to the Internet and especially mobile music options.

The proposal of Figaro: SFR Square Connect Spotify heures34 € 2 per month, 2 hours of unlimited appelsappels 7 / 7 and 24 h/24 to three numbers to choose from all opérateursSMS illimitésInternet13 million shares of Spotify to listen to unlimited pay day loans.

The alternative: Origami Style heures36 2 € per month, 2 hours of appelsSMS, MMSWi-Fi Orange illimitésInternet and visual voicemail, e-mails (3G + speed, stuck at 500 Mb) unlimited shared with three of your friends calls, unlimited SMS between you all, a formula that provides access to premium music service Deezer

• For adults

Young adults entering the workforce want access to unlimited SMS but mobile internet and unlimited calls on evenings and weekends.

The proposal of Figaro: Bouygues Telecom Néo.4 heures34 2, € 90 per month for 2 hours of calls + unlimited calls in the evening from 9:00 p.m. to 8:00 to fixed and mobile operators all Web, e-mails, SMS and MMS unlimited 24 h/24 and 7 / 7

The alternative: Virgin Mobile Collector Divine 5 Package 2 free issues heures39, € 90 per month with 2 hours of unlimited communication moisSMS 24 h/24 and 7 / 7 to all e-mails and opérateursInternet unlimited 24 h/24 and 7 j/7L user also receives 5 numbers Unlimited calls to all operators with the Divine plan Collector

• For pro superactive

Superactive, between work and the demands of family life, it's time to move on to the iPhone to manage its e-mails, calls, locate themselves with GPS, download applications.It is best to have an iPhone plan.

The proposal of Figaro: Orange Origami Star for iPhone heures69 5 € per month for 5 hours of calls and unlimited calls from 8:00 p.m. to 8:00 and the whole weekend to all mobile and fixed numbers métropolitains3 unlimited calls to all operators 7 / 7 and 24 h/24 in calls and SMS (unlimited shared between the three of you if they are Orange customers) SMS and MMS to all opérateursInternet + e-mails (including BlackBerry) unlimited 24 h/24 and 7 j/720 unlimited TV channels (3G + speed limit in excess of 2 GB per month)

The alternative: SFR Square 5 hours € 65 Web Unlimited 20 hours to 8 hours and weekend calls to all operators or operators all five numbers and unlimited 24 h/24 and 7 j/7SMS MMSInternet, e-mails illimitéL'usage Internet and e-mail is included in the formula up to 2 GB, beyond the flow is reduced.

They now expect a margin of EBITDA (EBIT) of 14%, against a forecast in mid-year by 15% and a range of 15 to 15.5% at beginning of year.

This revision does not seem to be the first manifestation of the economic slowdown now widely anticipated but slow to materialize in company accounts.

Indeed, sales are, themselves, adhere to the expectations of Schneider Electric.Third-quarter sales and shows a growth of 7.7% excluding acquisitions and currency effects, to 5.7 billion euros.

Emerging markets continue to show strong momentum. The Asia-Pacific region recorded an increase of 15% of its billings. Elements that have allowed management to assert that the goal of organic growth of between 6% and 9% will be "easily" achieved.

An acceleration of planned restructuring

The group advanced three main causes for this new downward revision of prospects for margin. After the rise of raw materials in the first half, he now finds inflationary pressure on production costs in emerging countries.

Second, the growth of the business now comes from a strong software business, less than Quiet electrical equipment.This is what we call a "product mix" unfavorable.

Final point to address the lack of visibility of the economic environment, the group will speed up restructuring, which will have first a negative effect on margins.

Schneider Electric is sanctioned in stock

The announcement was heavily punished the stock market, Schneider Electric yielding the title more than 7.6% in mid-session in Paris. Probably a reaction against the excessive elements announced, but due to "the economic outlook in the short term that are clearly more negative influence on the future growth of the group," according to analysts at CM-CIC Securities in a note published this morning.

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But at the same time, uncertainty is palpable among the companies planning to recruit, 69% are "certain" to do so, a drop of 9 points from the previous quarter."Is this a sign of an early reversal? "Asked Pierre Lamblin, director of studies and research.

Side areas, drive continues for the time in IT, engineering, R & D, consulting and auditing, while the bancassurance and construction are down.

Managers faced with the more long-term unemployment

Another notable fact, if managers are still less affected by unemployment than the general population (3.9% against 9.3%), the long-term unemployment is rising (14% between June 2010 and June 2011). Among these long-term unemployed, half over 50 years.

"I want to focus on those most vulnerable by a yoyo economy," said Marie-Françoise Leflon, the new President of ACOA.

Already hiring intentions graduates are down 41% of companies looking to hire in Q4 target young graduates, a drop of 6 points in one year. In the present context, profiles confirmed directly operational have more popular with recruiters.

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Although the idea is not new, it has resurfaced thanks to the Greek crisis.On Wednesday, the political and business across the EU (including billionaire George Soros and Martti Ahtisaari, former Finnish Prime Minister) signed a platform calling the euro zone leaders to unite. Published by the Financial Times, the letter calls for the "establishment of a joint budget that would raise funds and to ensure fiscal discipline of the Member States." In this spirit, Jean-Claude Trichet, ECB president, has recently called Europe adopts "a federal Minister of Finance."

Judging "pragmatic" position of the two Nobel Jerome Creel, assistant director of studies at the OFCE and professor at the ESCP Europe also believes that this idea of ​​fiscal federalism is "a must". Clearly, the euro area is expected to have a real "federal budget" next national budget.This would better "regulate the activity" of the Union through a "permanent reciprocity 'in bilateral relations between the world's strongest and weakest, especially in times of economic shocks. "When people buy Mercedes, Greeks contribute to German growth, so it is normal to help him when needed," the economist is an example.

"The euro has to walk on two legs"

The Assistance Fund of the euro area (EFSF), which has helped Portugal and Ireland, is seen by Jerome Creel as a draft of a further fiscal federalism low fee pay day loans. According to him, it applies to the current debate on the issue of Eurobonds ("that could eventually finance a large common budget"), like that, embryonic and far from unanimous, the tax on financial transactions.

To be effective advocates Jérôme Creel, the introduction of the federal budget will not happen without the ECB. "The euro must be able to walk on two legs: a lever for its independent ECB monetary and fiscal policy coordination," he says. Yet the institution of Frankfurt has so far only goal against inflation (unlike the U.S. Federal Reserve). Result, coordination and relations between the ECB and the U.S. are regularly strained: the economist recalled that in June 2008, including Nicolas Sarkozy had won against the institution in Frankfurt, who had decided to increase its key rate Director of 4% to 4.25% after soaring commodity prices.The ECB "should ask the question of economic growth" and "not just for inflation," lambasted the head of state, fearing a rise of the euro against the dollar penalizes exports of the area euro. Six months later, contagion from the financial crisis of U.S. forces in the Old Continent, the ECB has revised its rates three times down, up 0.75% at end 2008.

Problem: the establishment of a true federal budget involves a "significant transfer of sovereignty to the European" art Alexandre Delaigue, an economist blogger Econoclaste. "For this to work, it would require that Brussels can closely monitor and control deficits anything related to the competitiveness of the members, he insists.With the budget, it directly affects people's lives. "Collage, he cites the" retirement age, the conditions for unemployment insurance, "which would then indirectly controlled by the lever via Brussels budget. In addition, he said the United States, "the union budget could be made after the Civil War …"

For several years, the trend is upward. Road Safety has noted, between 1999 and 2009, a 50% increase in the number of uninsured vehicles responsible for fatal accidents."This practice is approximately 78 million euros each year," said Francois Werner. "The burden falls on the insured who finance the fund with a contribution of 1.2% levied on insurance premiums, or about 2 euros per contract."

Device control incompletD'après the report, which aimed to establish a diagnosis on the degradation of Finance Guarantee Fund, 60% of the uninsured are between 18 and 35. Francois Werner are two categories of drivers are driving without insurance. The "sloppy" on the one hand, that knowingly or not missed steps to ensure their car. They have, for example, not paid their premiums or said buying a new vehicle. "The anti-social and dangerous" on the other hand, are those drivers who simply should not drive. These are people who have never had a license or whose license has been removed for serious and recurrent.In 40% of cases, the vehicles are not insured because of non-payment of premium, says the FGAO. Finally, two-wheelers are over-represented (5.1% of uninsured mopeds and motorcycles 3.1%).

"Very few drivers are aware of the risks they face while driving without insurance," says François Werner, pointing to "an almost non-existent awareness" and offers an auto insurance inadequate personal loans for people with bad credit. "Prices remain inaccessible to some audiences," especially young people. Finally, the Director General of FGAO believes that the repression of the phenomenon is "scattered and based on unreliable information." To overcome this weakness, the Guarantee Fund calls for the creation of a "central repository of files provided," he would manage.

This tool, already in place in several European countries, including Spain, Italy and the UK, would be powered by the file registrations (registration cards) and statements of insurance companies and brokers. A huge database which, in the overlapping information, detect uninsured vehicles without waiting for the fraud was discovered during a traffic stop or accident.

A tool "win-win"

This project could still face the fears of motorists on their privacy. The Director General of FGAO therefore emphasizes the fact that this mega-file does not include "any personal data" and would not be "marketable". It is hoped that consultation with stakeholders – insurers, consumer groups and governments – will start soon in order to establish the terms of this file.If this proposal were adopted, it would take about three years to implement.

For François Werner, the device is a win-win. "A 50% decrease in the number of uninsured vehicles could eventually provide the Fund a saving of 40 million euros. Above all, this central repository would be a valuable tool to prevent tragedies road, it would identify some reckless drivers and put them out of harm's way.. "

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This measure applies from Monday all the officials of the Walloon region for which time is counted cigarette break in working time. "The rule is that when one leaves or enters the building that we register the clock," said Monday the spokesman of the regional government of Wallonia, Hugo Poliart. This measure, for 10,000 people, is being debated in Belgium."It's a stigma against smoking, says Xavier Lorent, an official of the Christian union CSC. Will be tomorrow worry someone will take a few minutes for a coffee break, or goes to the bathroom? ".

80 minutes a day outside his office

For now, no action or no generalization are planned in France. "I'm not shocked by what I encourage debate, says Professor Betrand Dautzenberg, president of the French Office for Smoking Prevention (OFT). This must be done on a company without marginalizing smokers: those who buy his paper leaves or sunbathe must also débadger. "

The OFT conducted a study in 2008 which emphasizes that smoking over 20 cigarettes a day can spend 80 minutes daily outside his office for his cigarette break time.

This study also emphasizes that the time spent on cigarettes has increased since the ban on smoking on the premises forcing employees to take the elevator and out to their business. "This type of measure denormalizes smoking, said Professor Bertrand Dautzenberg. Often, the attitude of the head is different vis-à-vis the cigarette break from his team if he is a smoker or not. This system of measurement of working time ends the convenience of the hierarchy. "

In spring 2011, eight months after graduation, just over seven in ten were in fact employed. Seven points higher than for graduates of 2009. In total, only 24% of them were still looking for their first job before the summer. "After two difficult years, the job market again smiling young graduates," says APEC and notes however that "the level observed in 2008 for the Class of 2007 (employment rate 77%) is not reached. "

Decline in job insecurity

Young engineers are, not surprisingly, those who have benefited most from the renewed welcome. Nearly eight in ten were employed, an increase of 14 percentage points from the previous promotion. The graduate business school and management are hardly worse off with an employment rate, also rose sharply (+ 11 points), 76%. Only university students are left behind with "only" 65% in employment (+ 6 points) and especially while three in ten were still seeking their first job.

The vast majority (81%) of those who have gained their first job was still in the spring, after searching for an average of two months, four against the previous year fast payday loans. 13% had changed employers and 6% switched unemployed at the end of their first professional experience.Line side, "services remain the outlet of two out of three graduates," says APEC, with a majority presence in education, training, health or social work, banking and insurance, or IT activities.

The industry, meanwhile, recruited as a young graduate in four, mainly in the automotive, food and pharmaceuticals.

The proportion of permanent employment, which fell in 2010, regained its 2009 level, 54% of contracts held. "This increase is accompanied by a sharp decline in precarious," especially among academics, Apec observed. As for the remuneration of employment, they are also rising again at 27,700 euros gross per year, respectively 400 and 700 euros more than the previous two years.The increase is particularly significant for young business school graduates (2700 + euros a year) as opposed to the university whose average annual income fell from 800 euros compared to 2009.

In the end, more than nine out of ten graduates said spring "satisfied" with their jobs, a level is still up from years of crisis.