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"The paper title should migrate en masse by 2015 to the cards (up to 60%) and fully supports paperless (up to 20%), 'the authors of the study, noting that the wallet electronics already account for 9% of online transactions. According to them, alternative methods of payment (that is to say all forms of payment other than credit cards, checks, bank transfers) should represent nearly 25% of online transactions in 2015 cash till payday advance.

Negotiated discounts

Go Digital Edenred offers the possibility of expanding its range of services. In France, the electronic Ticket Restaurant, the former Accor Services will offer "specials flash" in stores. The principle: allow recipients to take advantage of its products negotiated discounts.

Lefigaro.fr – The gap between interest rates of French and German bonds this week hit levels not seen for 20 years (200 bp). French government bonds are they a safe investment?

Philippe Mimran – all depends what you mean by "safe." If this is the sense of repayable loan, the answer is yes. France is able to repay its debts. However, if the sense of an investment that does not generate short-term losses, the answer is no. In other words, the French government bonds are no longer as safe as German bonds. Financial markets expect interest rates continue to rise. This difference of 190 basis points is the same as that between Italian bonds and German bonds in July.The French bonds are more risky than a month ago, European banks sell massively.

Why?

The rules for accounting for government bonds in banks' balance sheets have changed. Until then, when a bank subscribed to an obligation of 100 million euros to 2.5%, it maintained that amount on its balance sheet and collected an annual coupon of 2.5%. And, regardless of the carrying amount of the obligation. Now, if the title is only worth 90 million euros, it instantly suffer a loss of 10%. The balance sheet of banks is affected. For secure, regulators require them to strengthen their capital.

Nathalie Kosciusko-Morizet unveils the contents of the interim report released today on Nuclear Safety.

The FIGARO. – The agreement between the PS and the Greens provides the closing of 24 nuclear reactors by 2025 if elected president Francois Hollande. What do you think?

Nathalie Kosciusko-Morizet. – Is the culmination of an absurd kind of negotiation, "a reactor against a constituency." Conventional wisdom says that does not mix the cabbage and carrots. Contrary to their denials, that's exactly what the Greens and the PS. This is not serious about the nuclear issue but it is a fundamental problem for all subjects, a method that has been seen at work in 1997-2002. The program of the Socialist Party does not contain anything about the environment, it subcontracts these questions to the Greens who, themselves, pursue political goals payday loans with no fax.While a tsunami can occur at Fessenheim in Alsace, imagine how to react in a situation of utter devastation, whatever the causes, natural or human, as a result of a terrorist attack, for example. IRSN proposes to determine the list of essential safety equipment of a reactor which must be "overprotected." An example: sand filters, which, in case of accidents, prevent the spread of radioactive cesium in the environment, could be consolidated. These measures will likely assume additional investment. Again, the economy should not limit the collateral.

The meeting of the Eurogroup does succeed to allay fears about the debt crisis, which saddled the Paris market? Yesterday, after long hesitation, the CAC 40 finished down 0.64% to 3103.60 points. On Tuesday, the index is expected to rise, thanks to a technical rebound, according to futures contracts for the month of December rose 0.5%.

Greece but also Italy crystallize the main concerns have increased as rumors of leaving the Prime Minister Silvio Berlusconi, immediately denied by the latter. Nevertheless, if the vote to be held tomorrow at the Chamber of Deputies on the budget is negative, the departure of Cavaliere seem inevitable.

At the same time, the finance ministers of the euro area gathered in Brussels last night stepped up their pressure on Athens and Rome to the two countries meet their commitments to reduce deficits.In the process, Wall Street ended on an optimistic note. This morning, Asian markets have proven uncertain and divided: while Tokyo closed down 1.27% to 8655.51 points, Hong Kong is the balance just before 8 am (Paris time) around 19,696 , 11 points.

In this context, oil prices were up this morning in early electronic trading. The barrel of "light sweet crude" for December delivery gained 8 cents to 95.60 dollars. Barrel of Brent North Sea crude for December delivery advanced on his side of 22 cents to 114.78 dollars.

In terms of macroeconomic indicators, the figures of foreign trade in value in September will be unveiled today at 8:45. INSEE also publish the price of oil and raw materials in October at noon.

After unanimously among the members of the Greek government, the proposed referendum on the euro in Greece opponents first meeting among the ministers of the country. While the Greek Prime Minister held talks last night with his European counterparts to define the contours of the proposed referendum, two ministers expressed their opposition this morning at the initiative of head of state.

Early this morning, the Greek Finance Minister Evangelos Venizelos was the first raised his voice in that. While the prime minister suggested yesterday that the referendum will focus on "whether the Greeks or not to stay in the euro area," Evangelos Venizelos has swept the issue with the back of the hand. In the eyes of the man who played the head of the party George Papandreou in 2007, "the place of the Greek people in the euro is a historic achievement of the people that can not be questioned.This can not depend on a referendum, "he said in a statement. The minister stressed the importance of having the new tranche of aid "without delay". In fact, under the sixth tranche will not be released until the political situation has not been clarified.

The sling number two government was quick to be followed by the Greek Minister of Development, Michalis Chryssohoïdis. It called for a European financial rescue of Greece was quickly ratified by parliament, in fact opposed to the proposed referendum on Prime Minister said on public television Net. "This release is the ratification by Parliament of the Agreement (European) Greece comes out of the impasse," said Michalis Chryssohoïdis as television.

Danièle Karniewicz chairs the board of the National Old Age Insurance (CNAV) for ten years. The CFE-CGC union, known for his outspokenness, will transfer his seat Friday to a representative of TF.

LE FIGARO. – How do you with a year follow-up the last pension reform?

Danièle Karniewicz. – It was inevitable to act on levers and short-term increase in the age of departure was the parameter most effective in lowering the stress deficits by 2018 payday loan. And we are already seeing the impact on the accounts of the general scheme: CNAV should reduce its deficit in half by 2012 and the flow of retirements begin to slow this year to produce 8.7 billion euros in savings in 2020.

On Tuesday, the Higher Audiovisual Council (CSA) launched the call for applications for six new free DTT channels. Candidates submit their applications no later than January 3 next, they will be audited between 5 and 9 March and mid-March, CSA will appoint the selected files. The permits will be issued in May and channels will be launched in the fall for at least 25% of the population.

This is a great gift for viewers, but it's a puzzle dangerous for the TV market. With 25 free channels instead of 18 now, the whole landscape that will, once again upset. The Ministry of Culture no mistake. To limit the damage, he advocates the creation of channels with smaller economies than minigénéralistes who need to drain the advertising market heavily to live.

In its report on the future of TNT, Michel Boyon, the president of CSA, stressed that the advertising market is not extensible. This observation invites the CSA and the Rue de Valois to protect the large general-interest channels that have already been hard hit by the creation of DTT channels in 2005. In six years, these have already assumed 25% of the television audience and 12.5% ​​market pub. Today, however, only those projects that should be presented by Team TV, Screenrush, NextRadioTV (RMC Sport) or Equidia (PMU) are channels. All others are minigénéralistes. And propose TF1 TV Breizh, push M6 M6 Family WikiTV and Paris Première. Canal + continues to campaign for the free channel Canal 20 payday loans.

For its part, has already promised an NRJ TV Honey aimed at women and a chain TV Nostalgia for heritage programs.The CSA will decide whether looking for channels to anger the left or if historical actors assigns frequencies to minigénéralistes.

Specialists in the advertising market are reassured by any equation. "While 2011 will end positively for advertising, Régine note Tournier, expertise and purchasing director at Havas Media, there is a slowdown and we have no visibility into 2012. The arrival of new channels is likely to introduce more competition in the market and lower prices. "

"A market of mass media"

On the other hand, the expert noted, "it is not certain that the arrival of channels is a good thing because it will encourage the fragmentation of audiences.Strings that will fare best will be those backed by a large group to benefit from synergies. "

Another danger, if the number of free DTT channels increases, the pay packages of cable and satellite will lose their appeal. "The more free channels, said one expert, the less reason to subscribe to a pay offer. Especially since they are important channels of cable and satellite (TV Team, Equidia, Paris Première, Ed) which candidatent to DTT. "

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PepsiCo has the sequence of ideas. In 2005, the U.S. giant had failed to put its plans to buy Danone. But it remains today in its desire to add yogurt to its offer. PepsiCo is indeed about to enter the market in the United States, where he will face two well-known leaders in France: Dannon, Danone's subsidiary that produces and distributes America 6 million pots of yogurt a day, and General Mills, number two, which has confirmed its ambitions by acquiring 51% of Yoplait.

In search of food markets growing, the boss of PepsiCo, Indra Nooyi, displays for months his ambition to enter the dairy sector. The group is indeed under pressure from shareholders to boost its growth, to compensate for the decline of its traditional soft drinks in the United States.The yoghurt market in contrast has almost doubled over the past decade in America.

The Wall Street Journal, the multinational company is in talks to create a joint venture in the United States with German dairy group Theo Müller. The latter, already present in the UK since 1995 with its brand Müller Corner, also happens to be looking for expansion outside Europe. The brand and type of yogurt that the alliance wants to produce is not yet known. No more than the amount that the two partners plan to invest easy payday loans.

Positive

With dairy products, Pepsi expand its portfolio of 19 product lines that each generates over a billion dollars in revenue, and would complement its offering food to the radius, at present limited to Frito Lay chips and other crackers Doritos and Cheetos.Above all, the yogurt group would bring to the positive image of the nutritional point of view. Soft drinks like Pepsi, Gatorade, Mountain Dew and Seven Up, are criticized for their high sugar content and are regularly projects surcharges, while snacks are for their salt content.

PepsiCo has already begun to diversify into less controversial products: fruit juices, with the acquisition of Tropicana in 1998, or breakfast cereals with the acquisition of Quaker in 2001. One of the strategic group is also to develop snacks and other snacks made from healthy products. The firm has for example launched last year Tropolis, mashed fruit presented in liquid water bottles for children.By creating a center last year called "Global Nutrition Group," PepsiCo has set a goal to triple its turnover in 2020 in this niche products based on fruit, vegetables, grains and of milk. Dr. Mehmood Khan, an endocrinologist came from the famous Mayo Clinic, was engaged in conduct that set.

LVMH keen interest in crocodiles. The luxury group buys Heng Long, one of the five largest tanneries in the world of skin of these amphibians. LVMH guarantees its supply of crocodile leather quality that will serve to make its products more upscale, like her Louis Vuitton bags designed by Sofia Coppola or some accessories valued at Dior.

Tanning, led by Koh family since its inception in 1950, is listed on the Singapore Stock Exchange, it should be removed in the coming weeks.

This will be done via a holding company dedicated HLI Holding. It will acquire all shares of Heng Long to 160.8 million Singapore dollars, or about 92 million euros. LVMH will become majority shareholder of Heng Long, holding 51% stake. The Koh family is committed to reinvesting in the HLI holding up the remaining 49%.The Director General and Executive Director, members of the fourth generation Koh, will remain in place for at least the next five years.

The tannery produces between 200,000 and 300,000 skins per year, including crocodiles from Porosus high in Asia. Despite the change of ownership, it will continue to supply customers other than LVMH.

Heng Long is riding high. Its sales surged in the first half of this year to 36.3 million Singapore dollars (20.8 million), it was up over 50%. During the same period, the net result of the tannery was even more than doubled.

The long pause between colleagues at lunch time lived. The increased pace of work was right in this traditional division, whose length has been reduced to a trickle in the last twenty years. While employees willingly stopped for over an hour and a half to sustain themselves in the 1990s, they now spend no more than 22 minutes on average to this ritual.

"The lunch break has become the adjustment variable of the workday, says Anne-Sophie Godon, director of prevention within the group of social protection Malakoff Médéric, who published a study Tuesday on the subject. The content of the day was densified, while the distance between work and home tends to increase. In this context, employees have no choice but to cut back on the lunch break. "Women are more concerned than men, many of them prefer to take the shortest time at noon in hopes of starting earlier work, says Odile Fox, medical officer in Paris.

Employees bring their lunch more

With less time spent at lunch, it is the nature of the meal that has changed. A perceptible change in the last few years yet, the study said. Since 2009, the number of employees who go home for lunch has been declining (29% of respondents in 2011 against 34% in 2009), as well as those who go to a restaurant business (19% instead of 22%). In contrast, the share of those who swallow a sandwich as a meal is still growing by 2 points in 2011 compared to 2009.

Shortening the length of the lunch break is not always synonymous with "junk food".The proportion of employees who bring their pittance to work after having prepared at home is steadily increasing. Nearly a third now say do it frequently, women are over-represented again. "The French are trying to eat more balanced, it is a serious sociological trend. Provide meals is a way to control your diet. It's also a way to save money, "says Anne-Sophie Godon. The crisis is over there.

Decreased concentration

Sandwich and dish prepared in advance, reducing the dwell time has nevertheless perverse effects. "When you eat quickly, no time to feel full. Satiety occurs only after a quarter of an hour. And when we eat at his computer, it's worse: it does not even pay attention to what you swallow.Result, we tend to snack in the afternoon, "said Patrick Serog, doctor. In 2011, 39% of employees admit to regularly snacking, two points more than in 2009. "Making a real pause, three-quarters of an hour, is crucial, says Odile as Fox. Without this cut, the stress builds up. "

The health of the employee is not only involved for the company either, the lunch break is not wasted time. An employee who does not stop and does not cut even if it's only twenty minutes with their working environment is an employee who may lose concentration. "Attention has its phases. It can be really careful for forty five minutes or an hour, but rarely more. If we restore his normal work environment at his office, for example, the concentration decreases even faster, and we made mistakes, "warns Patrick Serog.This did not include an office where you eat according to host Monster 400 times more bacteria than the toilet normally maintained.

"Testimonials – And you, do you take time for breakfast? Prepare your meals in advance or do you buy close to your work? Share your experience in comments below or by email at temoin@lefigaro.fr.

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