This Friday, May 18th is a historic day. For Wall Street, which will host the largest IPO in history. For Facebook, too, who will submit to the test markets, namely the Nasdaq, a history that started in a college dorm. Employees of the startups are celebrating it since Thursday evening by typing lines of code all night.

They were invited to participate in one of these "hackathons" which made the reputation of Facebook for a day or more, developers gather to undo and redo services for the social network. Facebook a must which submits all new recruits to inspire a culture of hackers across the enterprise.

Facebook is an IPO eight years after its creation by Mark Zuckerberg at Harvard, assisted by Eduardo Saverin, Dustin Moskovitz, Andrew McCollum and Chris Hughes. Its value reached $ 104 billion. This is a hundred times the profit made by the social network in 2011. A ratio of crazy, but comparable to Google in its introduction in 2004. Two days before his arrival on the stock exchange, the social network has even offered the luxury of raising the price range of its activities to $ 38 and increase the volume of securities offered for sale. But after the operation, his young owner, 28 years, still retain 55.8% of the voting rights.

Many observers are questioning the possible formation of a new internet bubble payday advance low fees. Their criticisms are reminiscent of the doubts raised during the IPO of Google. The search engine was shaking up the Web with a new advertising model, the purchase of keywords that trigger ads targeted based on research conducted by Internet users. Facebook pushes him, communication. His ambition: "Connect the world." He has already managed to attract 901 million members, one of two user visits the site at least once a month. More than 526 million access it every day.

The beginning of the journey

But the service not only to connect people. It also links them to their musical tastes, their leisure, their interests. From a rogue's gallery online, Facebook has become the digital identity of nearly a billion people, evolving portrait of the social activity of its users. A gold mine of data that Facebook is trying to sell to advertisers.

On the walls of its premises, Facebook reminds its employees that only "1% of the trip was done." The site has yet to conquer China, where access to Facebook is blocked, controlling the mobile world and find revenue sources the most profitable. This is the bet on the future as Facebook will offer the stock market.

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The government deficit in France in 2013 is forecast at 3.9% of gross domestic product (GDP), far from the 3% target set by the government, according to forecasts biannual International Monetary Fund (IMF) published today.

This year, the deficit would reach 4.6%, says the IMF, against 4.4% in commitment from France to its European partners.

In its "Monitor of public finances", the IMF predicts that France approaches the symbolic threshold of 3% in 2014, with a year behind the official schedule. These projections mean that the next president, whoever he is, will soon adopt a new fiscal tightening after the election of May 6 Indeed, the president-candidate Nicolas Sarkozy and his Socialist rival Francois Hollande, the poll favorite, have both pledged to cut the deficit to 3% in 2013.

For its part, the public debt of France is expected to increase next year the symbolic threshold of 90% of GDP to 90.8%, while all candidates hope to contain it to below this threshold. It would commence thereafter a slow reflux.

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After the price surge of recent years, the Paris property market finds reason. The first stages of court or 5ES without lift no longer sold at the same price as the beautiful well-appointed apartments Haussmann. The buyers picked by hand. They take the time to compare and negotiate prices, with declines of up to 10% of the price of goods with defects. "It takes 50 days to sell a good average. Twice a year ago, "says Sebastien de Lafond, President Meilleursagents. com. Buyers are also much less likely. "There are 30% fewer buyers, but also 20% less in property for sale. The market is not blocked, "he says. The family apartments, the most expensive, more difficulty finding takers. However, small areas are more resistant. It's the same for the central districts most popular, including fourth, sixth and seventh, where the changes are smooth. Falling prices could instead be more pronounced in the south of the twelfth, thirteenth and fifteenth districts and north of the seventeenth and in the nineteenth and twentieth districts.

The neighborhood developed by:

• First, Second, Third, Fourth

• fifth, sixth, seventh

• eighth, sixteenth and seventeenth

• Ninth and Tenth

• eleventh and twelfth

• thirteenth, fourteenth and fifteenth

• eighteenth, nineteenth, twentieth

First, Second, Third, Fourth. Few offers, but more selective buyers

At the heart of the capital, the supply remains limited as always. This does not prevent the consumer to distinguish more and more good from the bad. "We continue to have an average of four buyers for a seller, says Nathalie Naccache, at the head of four Fortis Realty Century 21 agencies spread over the first three arrondissements. But when any property was posted to 10,000 € / m² is over. "For her, the year started better than expected, thanks to the proper maintenance of credit at attractive rates. More than ever, investors are there, despite the new tax, and they flock to small areas well placed. A charming studio of 22 sqm on the 5th floor without elevator, in the Palais Royal, went very quickly for € 240,000, after three visits and three offers at list price, while in Montorgueil, a comparable property is left for € 230,000 bad credit payday advance. However, if the work, maldistribution or lack of light, sales stall if a rebate of 5 to 10% is not consentie.Des more affordable prices are found on the side of the trail, the Halles or neighborhood Arts and Crafts. In the latter area, a 2 bedroom 45 sqm 1st floor but work has sold € 390,000 (€ 8,660 / m²). For its part, the shop real estate, including a network located in the Second and Fourth districts, recorded a net return to calm after an exceptional 2011. "Up to € 300,000, demand remains strong and the products go, the director notes, Thibaut Ponnat. In addition, the time of visit and sales have more than doubled compared to last year. "Among his recent sales: a 2 rooms of 28 m² with a dip in the trail, negotiated € 252 000. In the Marais, French buyers as foreigners are always present. "Simply, the French are negotiating harder, says Fabienne Zouari, director of the agency Orpi the third. There is no real price declines, but the estate with defects are selling more slowly and with a discount of 5%. "Proof of the enduring popularity, it just sold for € 260,000 a studio of 23 m² Rue de Turenne, 3rd floor without elevator, busy with a low rent and needs some work! As for the Ile Saint-Louis, she also knows that limited changes. "Our customers are 60 to 70% foreign, recognizes Eric Jacquet, real estate consultant at Nexity (formerly Lamy). Prices are lightly packed and buyers are more fussy about the quality of the property before the plunge. "This does not prevent transactions to be finalized at very high levels: 13 800 € / m² for a studio 22 sqm on the 1st floor, Quai de Bethune, and nearly 14 500 € / m² for a 62 m² rue Saint-Louis en l'Ile, 4th floor.

Fifth, sixth, seventh. The very large surface stall

Censier Street, the demand is there, but buyers believe prices are too high. Photo credits: Gilles Leimdorfer / LE FIGARO MAGAZINE / Le Figaro Magazine

Salespeople earn more than a year ago. In 2011, wages increased overall by 4%, fixed and variable combined, compared to 2010. This is the conclusion of a study by recruitment firm Uptoo, made from the information provided by the 73,000 registered commercial MyBeautifulJob on its portal. Their average annual gross reach and 54.1 K €.

But these results must be qualified. First, there was a catch-up effect since 2010, in the wake of the financial crisis, wages had decreased slightly (- 0.8%), according to data firm. Then, the increase of 2011 benefits only the most experienced vendors at the expense of young graduates. If the first saw their wages rise by 8%, beginners accuse them down 9% (35.1 K €).

In an uncertain economic climate, employers prefer to play safe value. Surmotivé between a young and more experienced candidate, the choice will often second that, a priori, be faster to use, say recruiters. "Many employers tell us they do not have the resources to train beginners, says Didier Perraudin, associate director of Uptoo. There is a dearth of local managers. "

Negotiate fixed primarily

As a result, experienced the most stressed, those that combine capabilities manager at a knowledge of the sector, find themselves in a strong position to negotiate their salary. Chastened by variables that have fused with the crisis, these highly sought after candidates trying to secure their full paycheck.

According to the study, the increase in 2011 is largely explained by inflation fixed which average 75% of compensation, against 70% a year earlier. "Only 7% of vendors double their salary with bonuses, says Didier Perraudin. Dangling share of important variables, problems begin to move a business. "

Finally, it's not a surprise, the most high-tech reports: a package with average of 63.2 K €, sales in this sector earn 20% more than their counterparts in industry and 16% more as business services. They also record the highest increases in salary last year (+7.5%), but without catch up before the crisis.

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1040 new aircraft worth $ 145 billion. This, according to the latest Airbus market research, the need for airlines in India in the next twenty years. Of these, the vast majority of planes (860) will be ordered to meet the growth in air traffic – to + 7.2% per year, it is already growing faster than the average in Asia (5.9%) . In total, the current fleet will more than triple to 1080 devices.

According to Airbus, the airline purchases will be predominantly (646 copies) on medium-haul aircraft type A320 and A320 Neo (version remotorisée). It to meet soaring domestic traffic should move quickly on a rate of 10% per year, which will make India one of the strongest markets in the world. The European manufacturer estimates that the market for 308 long-haul A350-type and 66 copies of the ultra-high capacity aircraft type A380.

Two giant orders

Airbus hopes to win a beautiful place in this promising market. Already, the European manufacturer claims "70% market share of new orders," his "ambition is to retain its leadership in the Indian market." To support its strategy to win business, Airbus has established local partnerships for forty years. It is manufactured locally A320 passenger doors, his best-seller. It is also recruiting Indian engineers in its Engineering Center opened in 2006 in Bangalore. The manufacturer employs 270 in total and has to hire another 180 by 2014.

Airbus' strategy has paid off. In 2011, the manufacturer has scored a major coup by winning two giant commands from Indigo (180 A 320 150 of Neo) and Go Air have ordered that, between them, 252 units.

Two threats

But the clouds on the horizon. On the one hand by the poor health of major customers such as local Kingfisher.Depuis his birth in 2005, the company has never made any money – it lost $ 90 million in the third quarter of fiscal year – and has accumulated a debt of $ 1.3 billion. Kingfisher international flights still canceled Wednesday, postponed delivery in 2014 of A 380 and ordered it does not exclude cancellations. In total, current orders are of 32 A320s, 20 A330 long-haul, long haul lonq five A350s and five A380 super-jumbo. The company promises tonight released a recovery plan within two to three days.  

Moreover, the implementation of the carbon tax by the European Union in January, also poses a threat to aircraft orders. Just as Beijing has frozen the purchase of 45 Airbus A 380, including 10 of its airlines, New Delhi is opposed to this tax. India may decide to retaliate. It threatens to bar its airlines to fly to Europe.

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The end of the franc is big to the Treasury. The latest * franc notes were redeemable at branches of the Bank of France until February 17 at midnight. Ten days after the end of the countdown, the institution is taking stock. A total of 1.5 million tickets have been reported for a total value of 378 million francs (57.6 million), from 1 September 2011 and the deadline of February 17. According to the Bank of France, there is 55 million franc banknotes in circulation, hidden under the mattress, forgotten in old bags or kept by collectors nostalgic. A nest egg estimated at 526 million euros.

And this balance, called "base emission" will be donated to the State. Indeed, the notes and coins in circulation are considered a debt, on the liability side of the central bank. "To annulerla debt, the value of the tickets not presented for exchange is repaid to the State," said the Bank of France in a newsletter. All these francs lost, forgotten or become so jealously preserved revenue to the exchequer.

The countryside of the Banque de France will not have been very successful, despite his repeated reminders to the holders of francs in recent months and the creation of a dedicated website (www.jechangemesfrancs.com). The franc banknotes still in circulation became indeed a treasure of 602 million euros in late 2010. Yet the French had thrown at the offices of the institution's approach to the deadline. "Just under 200,000 cuts were exchanged in December 2011, but nearly 367,000 in January 2012 and 733,000 cuts on the first 17 days of February," says the Bank of France. A record was set on February 17, with 91,000 tickets reported.  

The large denomination reported mass

For latecomers or those who have not managed to get hold of these small economies too well hidden, they have "no choice but to keep their tickets as a souvenir or sell to coin collectors," warns we at the Bank of France. But beware, all tickets will not take the value. "Better to have kept the cuts of 20 francs or 50 francs Debussy Saint-Exupery," said Michel Prieur, specialist of currencies within the Compagnie Générale de Bourse (CGB.fr). Now demonetized, only small values ​​will make a "margin buxom." A lesson that apprentices numismatists have understood. "Two thirds of the reported cuts are notes of 200 francs and 500 francs," says the Bank of France, which states that "the average volume of trade amounted to 15 tickets per transaction, for an average value of 3627 francs (553 euros). "

* The range of notes that can be exchanged against euro: CHF 20 bills bearing the image of Debussy, equivalent to 3.05 euros, the "Saint-Exupery" 50 francs (7.62 euros) , the "Cezanne" of 100 francs (15.24 euros), "Gustave Eiffel" of 200 francs (30.49 euros) and the "Pierre et Marie Curie" of 500 francs (76.22 euros).

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For this formula the insurance premium paid by the insured depends on the actual mileage each year. Unlike traditional insurance providing "small" and "large" rollers in the same way, the insurance km fits the real needs of the driver's insurance.

This is the only difference from a conventional insurance. Otherwise, the proposed safeguards are strictly the same with or without this formula. Liability, all risks formulas, bonus / malus … nothing changes.

Insurance kilometer may interest all those who drive around with their vehicles. It may, for example using mostly urban public transport, the elderly, young drivers …. But also own several vehicles, some of which are little used, such as campers or collector vehicles.  

In practice, it is interesting for vehicles that travel less than 8000 km per year. At comparable guarantees, insurance kilometer can then save up to 30% on contributions (15% on average).

Auto insurance in package

For this type of auto insurance, the insured and the insurer agree on an annual mileage not to exceed. To verify its use, the meter of the vehicle is controlled at the time of contract execution, and annually thereafter. He is also in case of emergencies and some companies even provide for random checks cash till payday.

For exceeding the package, the insured pays a penalty. It can be fixed or depend on the number of additional kilometers performed.  

Conversely, if the package is not reached, some insurance contracts provide for reimbursement of the overpayment or deferral of kilometers of unused quota the following year.

Auto insurance "pay as you drive" (pay as you roll)

It is the insurance per kilometer in the fullest sense. The insured is actually charged according to the exact number of miles it performs in the year the vehicle is in this case equipped with a GPS unit, whose pose can be paid or free.

Some insurers not only modulate the rates based on mileage, but also driving conditions. Thus, when driving at night, on weekends or in urban areas for example, rates are adjusted accordingly.

Note: Some insurance companies offer both the "pay as you drive" and the package. At the insured to choose the most suitable according to its "consumption" (regular or subject to strong variations from one year to another and even from month to month).

SERVICE:

"Make several comparative auto insurance quotes and contact auto insurance brokers specializing in these formulas.

The opening of Sunday shopping has become a topic of this Friday's presidential campaign. Nicolas Sarkozy, the president now officially a candidate for reelection, took hold of the States General of Trade to revive a debate that has never really stopped since the adoption of the "law Maille". The Act of August 10, 2009 allows the Sunday opening of shops in some towns and tourist areas and hot springs and in some big cities. More generally, the Labour Code provides for the possibility for all stores to open five Sundays a year authorized by the mayor or the prefect.  

"If the French put their trust in me at the next presidential election, the first step that I will implement will be to continue the flexibilities already made with regard to Sunday opening of shops for you to adapt to changing lifestyles, "it said in the statement that was read by the Secretary of State for Trade, Frédéric Lefebvre. "Broadening the conditions for opening of shops on Sundays, giving you more freedom, it's growth for your business is employment for the French, it's purchasing power for your employees , is the strengthening of the tourist attraction that France is strong, "argued the head of state, resuming his campaign slogan. Already in 2007, Nicolas Sarkozy had placed Sunday working at the heart of his campaign, when he presented himself as the candidate of purchasing power and it boasted its famous slogan: "Work more to earn more" .

And since, traders remained dissatisfied. In his "Pact for the development of commerce", presented in November 2011 with the intention of being sent to the candidates in the presidential election, the Board of Trade of France (FPS) requested the opportunity for each merchant to open " freely from 10 to 12 Sundays a year ", even if his store is located" out of area tourism. " The association already put forward "changing lifestyles" and "ambition tourism in France" to justify its request. During sales in January, Frédéric Lefebvre assured that some foreign tour operators were programming does not weekend in Paris because their customers can not be done shopping.

"A little air"

The issue of Sunday opening is sized. With 730,000 businesses, trade accounts for 20% of private jobs in France and 10% of GDP. Its annual sales reached 1.4 trillion euros, said the FPS. However, the federation does not argue for an opening of "all the shops, every Sunday throughout France." "What we want is a relaxation, a little air," said its chairman Gerard Atlan, quoted by AFP. "The dealer should be there when there is revenue to do, when there is none, it closes."

Like Nicolas Sarkozy, the Socialist candidate Francois Hollande has taken hold of the subject. In a video broadcast on the same Estates General of Trade this morning, he says he will engage in "negotiations" on the issue "controversial" work on Sundays. Last date flowage in a parliamentary report prepared last November that voluntary employee to work on Sunday in the authorized areas was "not sufficiently guaranteed" by some companies. For Francois Hollande, it is to find "a balance between the rights of employees" and concern for traders to "respond to new forms of competition." First union to respond, the CFTC has regretted the "social choice" favored by Nicolas Sarkozy, according to the union, further open the way for the "hyper-consumerism."

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The 200 high school students Guillaume Apollinaire, Thiais, Bossuet at Meaux and Turgot in Paris are attentive. They participate in the third Foundation Forum Responsible growth, on globalization and increased competitiveness of France.

Students and teachers were involved in discussions of the working group chaired by Benoît Habert, Deputy Director General of the Dassault Group. A dozen celebrities, including Denis Kessler, CEO of Scor, Jean-Louis Beffa, chairman of honor of Saint-Gobain, Michel Camdessus, former IMF chief, Henri Guaino, special adviser to the president, were interviewed . "Globalization is. It is binding on us. We must adapt, "says a student of Turgot. "Companies do not take enough young alternately. Quotas should be established, "lamented a student of Guillaume Apollinaire.

"We have focused our thinking on improving the competitiveness of the nation and the attention paid to youth. We selected ten proposals that meet three criteria: be applicable across France, presenting a highly leveraged and have a low or no cost, "explained Christian Poyau, Foundation President Responsible Growth, and Benoît Habert , Chairman of the Working Group.

The Foundation recommends that the fight against illiteracy, which affects 20% of French 15 years, a national cause. She wants to develop proficiency in English for age groups entering the labor market by 2020. She favors a reduction of social security the first two years of first use. "The charges would be eliminated in the first year and reduced by 50% the second year. This could be financed by a puncture of the tax shelter on overtime, "say members of the working group.

National Loan

Other tracks are made for improving the competitiveness of France, as the issue of a national loan of more than 100 billion euros in return for a commitment on the golden rule in 2014. The state may borrow only to invest in the economy. Responsible Growth also advocates a reduction in labor costs by funding lower payroll taxes by half for the 50% increase in the rate of VAT and half by the efficiencies of the social model.

Decided to develop links with Education, Responsible Growth Friday sign a partnership agreement with the three academies in the Ile-de-France (Paris, Versailles, Créteil) so that teachers teaching in colleges and high schools and guidance counselors can do internships in companies of all sizes and all sectors. A hundred of them, including the Figaro Group, supporting the initiative.

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The investigation of this type of case takes on average between 12 and 18 months. But the length of the procedure does not scare GDF Suez, which the argument is simple: the law requires that the procurement costs of the company are covered by fees, and grant a small margin. Upon arrival, if the formula price was applied on October 1, gas prices for individuals would have had to climb 10%.GDF Suez's estimated shortfall by the end of the year to some 290 million euros cash advance no fax.

For its part, the Commission for Energy Regulation (CRE), the industry policeman, issued an opinion unfavorable to the Government Order. Meanwhile, the regulator gave the Minister of Industry, a report on the Exploring the evolution rate of increase gas prices. One of the measures mentioned by the CRE is to increase – in the development of the formula – the share of the market price of gas now cheaper for the consumer and supply contracts in the long run.

This design technique should allow to reconcile the evolution of gas prices with the political imperative to avoid any increase, especially brutal.

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