This is a realization of a long-term project that must be born earlier this week. The association Optics solidarity launches on Monday the "pass glasses." A device that should allow seniors whose financial resources are too thin to allow them to purchase a mutual good, to provide appropriate spectacles from their view. 8,000 to 10,000 people, aid recipients in the complementary health throughout France, and should soon receive a voucher to enjoy a fitness trail at cost, including consultation with the ophthalmologist, and the purchase glasses with progressive lenses from an optician.

No low cost

"We are working on this project for three years," says Xavier Subirana, ophthalmologist and president of the Optical solidarity. He says the idea inspired by the HEC Chair "Social Businee / Enterprise and Poverty" as co-chairs Martin Hirsch has mobilized the entire industry. "Danone is one of the pioneers of social business, but in this case we thought it was much more efficient to use the entire industry as a business." To date, 13 additional health (including AG2R La Mondiale, April, Groupama …), 500 opticians, Essilor as industrial and ophthalmologists have concentrated their power to facilitate the implementation of the concept. "It's not a charity that requires a donation. Here people pay for their glasses, "says Nicolas Lambert, owner of Essilor France. Ultimately, the patient should spend at most a few dollars instead of 300 euros today. "This is an innovative business model where one neither gains nor loses money. And this is not the low cost, says Xavier Subirana, people buy the raw material and technology. Everything else is covered by the efforts of the margins at various levels by the industry. The doctor's visit is to be discounted fully refundable. " For now, Nicolas Lambert admits even Essilor making losses. To produce the lenses, and assemble the eleven models of glasses offered by the pass, the company is including operated its plant in Toulouse outside normal production hours.

140,000 persons concerned

But to make the project a success, we must know the device. Tested later this year in Marseille, the "eye pass" has proven its usefulness but also revealed the difficulty of reaching the target. "We know that some seniors throw good because they think it is an advertisement," lamented Xavier Subirana. As such, the role of complementary health is important because it is they who must identify people who can benefit. "The more mutual partners in the project will increase the more we can touch people," says association president. Discussions are also underway with new complementary. The first patients in the Paris region should get their equipment in early June. It will be a little longer for the province because of the smaller number of ophthalmologists. Then a second phase will be launched by the end of the year. Eventually 140,000 people should benefit from "pass glasses." In addition, the partners hope that their initiative will give ideas to other sectors.

Inquire in advance about the possibility of coming with his dog or cat at his place of residence during the holidays is essential. Be "setting up" at the last moment would very likely ruin the months to prepare for the holidays!

Some places such as hotels or campsites may well refuse. It depends on the rules of each institution.

For accepting the campsites, it will usually be asked whether the dog is properly vaccinated, including against rabies. The health record or European passport certifying the animal's will to put in the luggage. Even if rabies vaccine is not required on French territory, it is still strongly recommended. Not least by runaway of the animal.

Also in the campsites, the dog must be leashed and cats must not roam free. Some campsites also refuse the dogs "dangerous" as defined by the law of January 1999 (dogs first and second category). Those accepting them will oblige the masters, as required by law in public places, to silence their companion when he is among the other residents. Teachers should also have all the documents required by law, including possible detention, the statement of the animal at the town hall of residence or the certificate of liability insurance.

Unlike animal health insurance, which will be refunded in case of accident or illness of the animal during the holidays and whatever the veterinarian consulted, liability insurance is for its part if the animal is causing damage.

The "puzzle" leases

Degradation, pollution … this is what most fear the "renters" faxless pay day loans. Some also refer pet hair that may be responsible for allergies among holidaymakers taking over a rental after the passage of previous occupants, owners of an animal.

For rentals, everything is played on a case by case. In 2011, a consumer association had obtained the annulment of the prohibition of a dog, cat or other pet in the drafting of leases rentals. Why she had invoked a 1970 law prohibiting the possession of excluding a pet in residential leases generally. The Court of Cassation had ruled. Thus, owners could well override any prohibition. Well written, it became an illegal clause. Once an animal or causing degradation or gene – as should be the case regardless of where the teachers stay – so it was forbidden to forbid the owner!

Law backed down

Reverse: Article 96 of the law of "simplification of the law" came back in early 2012 on the ban. It now allows the owners of apartments seasonal tourism to prohibit the presence of a dog or cat or other pet.

Only possible for furnished rentals seasonal tourism. Tenants of an unfurnished or furnished accommodation that is not characterized as a rental of tourism can not prohibit the presence of a pet.  

So many reasons for teachers preparing their holidays to learn about the type of tenancy they hear and deal … always ask very clearly if the presence of a dog or cat is allowed.

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Terrestrial digital radio (DAB) will she set up in 2012? The Higher Audiovisual Council (CSA) and wants just updated the call for tenders launched in March 2008 to Paris, Nice and Marseille. A call to cover twenty new cities to follow. The regulator does and apply the law of 5 March 2007 on the modernization of audiovisual broadcasting, said Rachid Arhab, advisor to the CSA in charge of the RNT.

But his initiative has provoked outrage from the Bureau of Radio, bringing together networks RTL, NRJ Group, Lagardère Active and NextRadioTV. "The CSA seeks the forced passage and launches an unfunded project between the two rounds of the presidential election!" Railed this association. Candidates in 2008 and for certain selected by the CSA at the time, these four private groups say they are now "reserved" on the launch of the RNT. "We are not against digital radio. But we want to know how many radios there will be local, how many there will be national and what is the vision of CSA in the long run? "Explains Michel Cacouault, President of the Office of the radio. Information that would be necessary to establish private radios for a business plan over the long term. In practice, they are afraid of having to finance, long, double analogue and digital, of many issuers, while the French are not yet equipped with suitable receivers.

"We try to corner us on the question of the economic model. But it is to find the radios, not the CSA, "retorts Rashid Arhab. Economic needs will also depend on the speed at which digital radio is launched. For this, the new call for applications imposes minimum thresholds of coverage to be achieved in five years. According to Rachid Arhab, they are "significant, without strangling operators." Another variable that escapes the CSA: consumer expectations. "Let the listener and the market decide how TNR works," says the counselor, who works at the revival of the issue since the fall.

Support independent

His efforts have joined efforts for six months by the Union Interprofessional Independent Radio and Television (Sirti). The latter went so far as to claim before the State Council the allocation of broadcasting licenses to selected candidates in 2008. For its members, as for-profit radio stations, the TNR is a promise of development. The Sirti and SNRL, associations representing the stations, therefore support the decision of the CSA.

The latter was given until May 31 for candidates to file for new records or update their records to a digital radio frequency. "Otherwise, the candidate is now considered a candidate as part of its original case," defined in Article 2 of the new call for applications. At least to withdraw their cases filed in 2008, the Bureau of Radio and remain candidates for RNT.

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For the first time in three years, the hiring intentions of managers in business are down for the second quarter. According to the barometer established by the Association for the employment of executives (APEC), only two companies provides for recruiting at least a framework by the end of June. Rate down by three points from last year to the same period. The situation also seems particularly bad in the trade, transportation and consulting and business services where the declines, year on year, reaching 4 and 7 points respectively.

Lack of visibility on growth

Worse, it is the general forecast the worst for 18 months, although it remains well above the low reached in the third quarter of 2010 (43%). Another negative point, but not least: APEC has been a fall of 12 points in the proportion of firms indicating that their recruitment of executives are more numerous than last year at the same time, to 29%.

Last factor of concern is the monthly index of dissemination on the Internet offers executives lost 3 points in March from the same month a year earlier. Again, the first since February 2010.

The reason? "Great caution" partly due to the uncertain outcome of the presidential election, the association notes. "The fall was also linked to lack of visibility on future growth in France, says Marie-Francoise Leflon, its president. However it is too early to tell whether this decline will continue, recruiters surveyed being confident on improving the situation of their business in the coming months. "

Ease the cost of a property purchase by cutting transfer taxes – that is to say, much of the Notary fees – the idea has appeal to future home buyers. All the charges amount to about 7% of the asset price, a substantial sum when money is tight. The proposal of Nicolas Sarkozy, candidate to succeed him in the presidential election, while interesting for buyers, however, could be very costly to local governments.

Almost 10 billion euros per year

Tax collectors, the Notaries pay back because the majority of the charges they levy for counties and municipalities. "Whenever there is change of ownership of a property, solicitors receive 5.09% of the price in respect of registration fees. Beneficiaries are 3.80% for the department and the municipality where the property is located to 1.20%, "says Benoit Renaud, president of the Council of Notaries (CSN). The remainder is not covered by the proposal of Nicolas Sarkozy, returned to the notary.

The latest figures available from the Department of the Interior, these taxes generated 7.1 billion euros in 2010 to the departments. That of Paris, for example, received more than 668.5 million euros thanks to these taxes, the Alpes-Maritimes nearly 290 million euros, the Rhone € 227.5 million. As a department of Lozere, where the pace of transactions is much lower still reached 3.6 million of these transfer taxes. Municipalities have their side earned 2.2 billion euros. For 2011, revenues for the departments is estimated at 8.6 billion euros and 2.5 billion euros to the communes. "These amounts are far from harmless, some budgets of departments and municipalities depend on it. In 2008, with the crisis and the sharp slowdown in sales, there were large budget cuts, "says the president of the CSN.

Differential rates

In February 2011, solicitors had participated in a discussion on this subject at the time of manufacture of the supplementary budget. "We said that at present, taxes and holding back the acquisition we had proposed to make the transfer tax deductible from income taxes for 5 years. There would be no impact to the local community, "said Benoit Renaud. Alternatively, notaries also offer differentiated sales to private commercial sales professionals who can deduct them transfer taxes. "There are twenty years we had different rates: 13 to 18% for commercial property and 7% for homes. Today everyone is 5% that is not necessarily a good idea. It would for example reduce the cost of 5 to 3% for individuals and grow to 8% for commercial buildings, "says the president of the CSN. Options, for now, not selected.

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It was to be expected. The Antwerp designer Raf Simons, arrived in February of his mission as artistic director at Jil Sander (where he handled collections for men and women since July 2005) has been appointed to head the creation of women's fashion at Dior. He was the last of the favorites in the long list of names mentioned as a possible buyer of the vacancy created by John Galliano since March 2011. Among the successors whose names have circulated even figured that of Marc Jacobs, current artistic director of Louis Vuitton or that of Riccardo Tisci in the same position at Givenchy, besides that of Nicolas Ghesquière at the helm of Balenciaga.  

But all hopes seemed to collapse when Raf Simons thanked Jil Sander left Italy without any announcement effect from Dior while Yves Saint Laurent terminated the contract of Stefano Pilati before confirming the Hedi Slimane's appointment as artistic director. By a rebound effect, the world of fashion has waited in vain for an immediate appointment at Dior at the same time. It has not happened. By a curious reverberation, Raf Simons Avenue Montaigne now occupy a position comparable to that of Hedi Slimane at YSL. The irony is that Slimane, asking the jurisprudence of the style of Dior Homme from 2000 to 2006, has often been compared – compared to nuance, to rightly or wrongly – in the style posed by Raf Simons in his own eponymous label. Then the divergent paths of both the affirmation of the growing aesthetic Slimane at Dior Homme and mission of Raf Simons Jil Sander have diluted this antagonism.

Jil Sander's latest collection (Fall-Winter 2012) signed Raf Simons presented in Milan last February was a real tribute to a new New Look of Dior. What whet fans' expectations of Dior and YSL, the ambitions of the two groups (LVMH Dior, YSL PPR), what – if any were needed – to stimulate the two creators. In short, good news in short, not to mention the talent of the men themselves, critical talent, talent by which everything begins and ends.

This unemployed architect has worked hard. Without work since 2009, Dan Zamora sent over 3000 CVs in the hope of getting a job, tells the Midi Libre. 936 responses to job postings, unsolicited applications in 2078 and 13 requests for training. Who have all ended in failure. "There is more work in my industry and I no longer believe in the possibility of conversion," the candidate is desperate.

The case of Dan Zamora, 59, illustrates the difficulties faced by more than 50 years on the job market deteriorated. But it also emphasizes the importance of targeting its research so that it bears fruit. "With 3000 hp sent, we can assume that not everyone has been addressed with the same relevance," said Frederic Magnen, senior consultant with the firm of recruitment Selescope.  

Applicants whose research patina may be tempted to apply for jobs "for which they are clearly under or overqualified," says Naomi Cicurel, director at recruitment firm of Robert Half. Strategy it deems inefficient: "The risk is to appear desperate and unprofessional, which will limit the chances of success if another position is better suited to his profile, is released later business cards design."

Depletion of applications

Better to be less forthcoming in applications and more personalized. "With the rise of great classifieds sites of employment, people in research began to send many more hp. And there was a depletion of applications, "says Frederic Magnen. The recruiter advises candidates to differentiate themselves by taking the foot against this trend. "Reply to a dozen ads in line with your profile is enough," said he.

For more attention of recruiters, it is important to treat his resume, usually read first. According to a survey by consulting firm HR WIT Associates, nearly 70% of recruiters do not read the letter that if they find interesting cv. "It must be synthetic, and highlight the skills and experience in line with the announcement. There is no point applying indiscriminately, "says Frederic Magnen.

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The clothing giant Hennes & Mauritz (H & M) has, once again, makes investors wince and smile fashionistas. The chain has indeed saw its stock fall by 4% in session Thursday after yet displayed, for the first quarter, sales growth (+13%), to 3.14 billion euros and net income up ( 4.6%), 310 million, but below analysts' expectations. Its gross margin was down 2% year on year, to 55.8%.

H & M defends itself by arguing that its margins were impacted by higher production costs, including cotton and the wages in Asia, the group chose the least possible impact on prices offered to customers. Profitability has also been undermined by "long-term investments to expand our total supply," said the boss, Karl-Johan Persson, including "a completely new chain of stores" for 2013.

H & M intends to repeat the international success and very "profitable" for its first upscale brand, called COS (Collection of Style as) and launched 5 years ago. His second string, which will be launched to conquer major cities worldwide, will be even more upscale, but will remain open: "This brand will be positioned on a separate segment higher price than COS while offering the best price for each item" , said a spokesman.

A team dedicated to new concepts

If Spanish Zara (Inditex Group) dominates H & M and Gap others in terms of responsiveness to trends, however, Swedish wants to keep one step ahead in the "masstige", this complex cocktail of "mass- market "and" prestige ". Number of creators and signed lines for H & M, including Versace Marni recently.

Last stunt of the Swedish chain: at the London BAFTA ceremony, the "Caesars" British, Michelle Williams seemed dressed in haute couture. The actress, who plays Marilyn Monroe in the film, was actually a golden corset and organic cotton skirt and satin back crepe designer H & M. A similar holding will be sold soon to clients of the Swedish chain. Similarly, parades American stars on the red carpet in the middle of Oscar season, H & M has convinced celebrities to wear dresses of his online "Exclusive Conscious", which models will, in April, sold in a selection of 100 stores, in its new and larger collection "H & M Conscious."

In the world of fashion, the new concept of future H & M has not totally surprised: not long ago, a famous fashion designer Scandinavian Behnaz Aram, was hired by H & M to strengthen its teams dedicated to " new concepts. " A discreet but strategic cell that has already developed three brands: Cos, and Monki Day Weekend, and H & M Home.

Like SOC, which will open its first store outside Europe, Hong Kong, the new chain H & M will be a strong argument to fight against Zara and its upscale brand Massimo Dutti, especially on emerging market savvy luxury.

1. Freeze the salaries of officials

With € 285 billion, salaries and pensions of the public are the first state budget. Although the "index points" (which is the reference to general increases) is frozen this year for the second consecutive year, the remuneration of officials will progress even when 2 to 3% in 2012, according to iFRAP Foundation (liberal) . And, through seniority, categorical increases, the small revaluation of treatments. Contrary to popular belief, the public is already better off than the private. The iFRAP advocates a true gel.

2. Continue the non-replacement of staff on two retiring

In five years, this measure reported € 7 billion, half of which was reinvested in the state in the form of salary increases. Any relaxation would be disastrous even if the pensions of baby boomeurs is essentially behind us, we must expect fewer departures from 2013. The "one in two 'will save between 800 and 970 M € / year between 2011 and 2013, according to the Court of Auditors, which suggests that in future a lesser amount be passed on to officials in the form of wage increases no teletrack payday loan.

3. Apply the "one two" to all public

They are close to 600, employing 375,000 people and were spared by the scissors of Bercy. The "one in two" is applied to them since 2011. And again, those who depend on Higher Education and Research (58% of total) are exempted. They therefore took the opportunity to increase their workforce (1.5% in 2010)! Can they remain forever outside the norm?

4. Accelerate property disposals

Palace expensive to maintain and inappropriate functioning of a modern office buildings empty, deserted barracks … The state sold for € 500 million building in 2010. It remains what to do (list still contains 1700 local) and must be accelerated tempo. It is especially important to assign a higher share of sales proceeds to reduce debt (15% today). Do not forget the beautiful residences of French diplomacy abroad: some are worth several million euros.

France spends 6% of GDP to Education Photo credits: MELANIE FREY / Le Figaro Magazine

Young graduates and young professionals dream of living and working in the Rhone-Alpes region, Lyon is their favorite city. This is the result of a survey of APEC conducted among 750 managers and 500 graduates, published Thursday. According to them, "Rhone-Alpes region appears to be the best combination of economic vitality and quality of life. It is cited as the first region for the quality of life and the second in terms of economic dynamism, "said Apec.

Rhone-Alpes is followed by Midi-Pyrenees, Aquitaine and Paca, which are cited by over a quarter of executives. A total of ten regions appear attractive to this population, if we add the Languedoc-Roussillon, the Loire Valley, Brittany, Ile-de-France, Alsace, Nord-Pas de Calais. A map of the regions combining economic dynamism and quality of life that was consonant with some of the INSEE forecasts according to which, "Rhone-Alpes, Languedoc-Roussillon, Midi-Pyrenees, Paca, Loire and Aquitaine know the evolution of their most dynamic workforce by 2030. "

As for the Ile de France, it occupies a special place in the heart of managers and young graduates. As stated in Apec, "it is the most attractive region for economic dynamism with rates above 90%, but in terms of quality of life, the region ranks only eighth, also among both executives than for graduates. " It is true that in the eyes of this population, an unattractive region is a region that concentrates a number of disadvantages such as "a living environment degradation (pollution …), a real estate market saturated or too expensive, time transport home / work or too great a high unemployment rate. " Many criteria that may affect near or far the Ile de France guaranteed online payday loans.

Attractiveness criteria: transportation and climate

In total what are the criteria for this population to judge "attractive" region? In terms of quality of life, to attach great importance to the travel time between home and office (over 49% among the two categories of people surveyed), the living environment (34% for graduates and 40% in frames), climate (31% for graduates and 39% for managers) and the range of leisure (41% for graduates and over 33% among managers). From the perspective of dynamism is mainly a regional economy dense (over 62% for graduates and 67% for executives), the presence of head offices (45%), transport infrastructure (more 40%) and wage levels (44%).

To live in an attractive region, it is often willing to move. This is the case of young professionals and graduates surveyed by Apec: 76% of junior managers and 69% of graduates are ready to take the plunge and go to work in another region. Candidates are the most mobile people currently residing in Ile de France, with nearly nine out of ten positive responses. For many of the young workers, it is "not just a wish-list" notes Apec: third make a short-term and 28% long term. Still, the fact of life made their finger on a number of constraints. "For many young professionals and young graduates, geographic mobility is simply not an option because employment opportunities are few in the area of ​​their interest" and it is often necessary, in addition, find a job for spouse.

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