Who has not dreamed of just open my hand to touch the money immediately? Tomorrow is reality, or almost, Japan.

Ogaki Kyoritsu Bank will offer its customers, in September, cash machines with a floppy schema veins, a sensor capable of recognizing the lines of the hand.

Other institutions are already in the Archipelago of biometric authentication technique. But it simply serves to replace the numeric code if it has been forgotten, to prove that the credit card into the machine belongs to the person using it. This time, no need to map. The machine will compare the vascular pattern of the palm, pre-recorded by the bank, with the distributor free business cards. No question that someone other than the card owner uses the account. The margin of error, it seems, almost zero. The idea came, says Takeshi Usui, Executive Director of Ogaki Kyoritsu, the tsunami of March 11, 2011 where thousands of people lost all their identification papers and credit cards.

The only thing that we should not lose is memory. Indeed, distributors will claim any biometric same date of birth of the customer. And a password.

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A water sports center has replaced five towers in the district of Val Fourré in Mantes-la-Jolie. Photo credits: ANRU

"Extremely aggressive." Thus, the Spanish Minister of Economy, Luis de Guindos, described the day before the announcement, the reform of the labor market. A long-awaited reform to lift the country from the spiral of unemployment, also pushed for weeks by the Union européenneet the IMF.

Spain, which displays the highest rate in Europe at 22.85%, passed the 5 million unemployed. If the explosion of the housing bubble has destroyed thousands of jobs since 2008, the failure of the labor market is also challenged. "The system is too much with a dual side highly protected permanent contracts, which are not conducive to improving productivity, and the other fixed-term contracts, very precarious," explicit Gayle Allard, IE Business School in Madrid.

The first part of the reform, presented Friday in the Council of Ministers, aims to reduce the cost of dismissal. The general allowance will be reduced from 45 to 33 days per year of service in the company. It may be reduced to 20 days for a troubled company, which links three semesters without profit. The compensation will also be capped at 24 months regardless of the employee's seniority. The reasons for entitlement to redundancy will also be expanded. The Conservative government wants to tackle the bleeding of youth unemployment that exceeds 48%.

Tax breaks for hiring

Decree-Law provides for the creation of a new permanent contract for an initial hiring of a young unemployed under 30 years. Businesses will benefit in this case a tax deduction of € 3,000 while the job seeker can accumulate 25% of his unemployment benefits with the salary for one year. Tax breaks, EUR 4500, are also provided for the hiring of long-term unemployed.  

The other priority for Madrid is to stop the use of fixed term contracts (CDD) repeatedly, very common in Spain, especially among youth and women. The CSD will be limited to two years. The aim is also to encourage training, another weakness of the country. Each employee should receive a quota of 20 hours.

If the Minister of Employment, Fatima Banez, welcomed "a historic reform" social unrest may still move up a notch. As protests intensified in regions against austerity widespread. "This reform will cost me a general strike", recently told the prime minister, Mariano Rajoy.

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Tax on financial transactions

Given that France is the third largest contributor to global. "ODA accounts for 10 billion euros, or nearly 10% of global ODA, while France weighs 5% of global GDP.And the 2012 budget will not be affected by lower public spending, "said Minister of Cooperation Henri de Raincourt. Welcoming the outcome of the investigation that "incites to put development at the heart of the international agenda," the minister said that the G20 Development to be held next Friday in Paris will be a first in this proceeding with three priorities: food security, infrastructure and innovative financing.

Paris has the support of Brazil and several European partners to push the proposed tax on financial transactions, despite the opposition displayed the Anglo-Saxon countries, the United States in mind. "It will take these countries explain to their publics at the same time they lower their ODA they refuse to find new financing.This is an ethical issue, "criticizes the French minister.

If aid is important to the French, they are only 55% find it effective. They are even more severe in the result on the reduction of poverty, the fight against global warming and support for economic growth. Overall 60% believe the French budget enough, young people, however, require a greater commitment.

Respondents also believe that aid should rely more on local actors: communities, civil society organizations, entrepreneurs and NGOs …. The transfer of skills and know-how is considered very important to avoid over-reliance of the States for assistance. Finally, like other years, they want more information on funded projects, their progress and results.

Moderated somewhat in early trading, the Paris market has accelerated the pace in the afternoon, reassured by the good performance of Wall Street. In session, the Dow Jones advanced 0.30% and the Nasdaq by 0.63%. The day before the New York Stock Exchange had hoisted the green flag in the home straight with any information that has filtered after the meeting of economic ministers of the European Union about a possible recapitalization of banks in Europe.The hypothesis was reinforced Wednesday when German Chancellor Angela Merkel ruled "justified" to recapitalize European banks in need, noting that his country was ready to do "if necessary".

Other European markets rose in unison. London was up 3.19%, Frankfurt was awarded 4.91%, Milan 3.94% and 4.03% Euro Stoxx 50.

Markets were also encouraged by the good employment figures in the United States. The firm ADP, which always reveals its figures a step ahead of the official statistics, said the U.S. private sector had created 91,000 jobs in September, about twice as anticipated by analysts.

But for most experts, this is a rebound "essentially technical" free business cards. In fact the concerns about the future of Greece are still present.Similarly, fears of slowing global growth or even recession are ever more brightly. The International Monetary Fund (IMF) has painted a particularly grim situation. "A global recession in 2012 can not be excluded" admitted Antonio Borges, Director IMF Europe.

Dexia regaining ground

The announcement of the degradation of three notches on the note of Italy by the rating agency Moody's has however not really affected the morale of the operators. The news was widely anticipated by the market. September 20, its rival Standard & Poor's had also downgraded Italian.

Investors have indeed benefited from the falling value of certain financial and industrial stocks in recent days to engage in purchases with it. In Paris, Societe Generale has returned 8.65%, 9.89% Credit Agricole and BNP Paribas 8.5%.Even the Franco-Belgian Dexia threatened to dismantle and had fallen by over 22% the day before a section of the movement. The stock has recovered 1.49%. This is despite a particularly harsh note from Goldman Sachs with respect to the French banking sector.

The cyclical industry and the technology were also in great shape with Cap Gemini (14.18%, largest increase in CAC 40) Saint Gobain (+9.3%), Lafarge (8.72%) and Peugeot (8.60%).

"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. 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" one of the most striking findings is that the share of employees who bring their pittance to work, after having prepared at home is strong growth. Almost a third say they do frequently, women are over-represented again. "The French are trying to eat more balanced, it is a serious sociological trend installment payday loans. 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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The system set up involves monitoring remote computer. But not to frighten the people involved, the main unit is television, connected to the Internet. "The equipment costs about 6,000 euros full, two months' rent in a nursing home," said Philip Bell, general manager of Toshiba-Cebea, a subsidiary of Toshiba dedicated services.This includes television and home automation equipment, including a smoke detector, a wristband alarm in case of fall and appliances suitable for pathology (blood pressure, diabetes control …). Then, the service costs 200 euros per month, including Internet access.

"This allows medical personnel to perform remote controls, but also the patient to easily get in touch with family members through a videoconferencing system on the TV," said Philip Bell. Medical staff and the senior may also contact by mail, through an electronic pen. Just write on a single sheet, the text is automatically entered and the e-mail sent when the pen is rested on its base free business cards. Forms to the attention of nurses and doctors have also been developed: just check the right boxes with the electronic pen and they are added to the medical record.It also allows for monitoring of medication, food … "We found that health staff was not comfortable with a keyboard, where the idea of ​​electronic pen, said Philip Bell . We are also working to develop a speech recognition system. "

Recurring revenues

For Toshiba, the objective is to develop this service at the national level but also in other countries. Japan pays attention to the experience of Alsace. Beyond the societal issues related to aging, a new economic model that is emerging. This type of service should allow the manufacturer to generate recurring revenue through subscriptions.

"The rise of the TV connected through the development of local services," added Philippe Delahaye.Most TVs sold today by Toshiba can be connected to the Internet, or consumers do not always use this function. By bringing seniors to the technology, Toshiba is not only the population but also those around them: Health care workers, children and grandchildren.

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On this basis, German Chancellor Angela Merkel has once again firmly rejected the introduction of this system, although many market professionals believe that this is the solution to the crisis of European sovereign debt. "The Eurobonds are quite the wrong response to the crisis of the moment.They would lead us to a union of debt and not a union of stability, "she says in an interview with ZDF.

His comments echo those made by the Minister of Economy Philip Rösler the newspaper Bild am Sonntag: "The Euro-bonds are a bad signal sent to national economies failed. Cover the risks of other countries with Eurobonds would immediately drive up interest rates in Germany. This would have dramatic effects on growth in our country, "said he.

Strengthening governance

Despite all these outputs, the German government did not draw a line under this system payday loans in 1 hour. The finance minister, Wolfgang Schäuble, has again said that the countries of the euro area could issue Eurobonds if échafaudent prior fiscal policy and fiscal policy.But this move towards integration is not fast enough, he said. "Most Member States are not quite ready to accept the necessary limitations on national sovereignty. But believe me, it's a problem we can solve, "said the Minister in an interview with Welt am Sonntag.

Wishing to lead by example, Wolfgang Schäuble has said for his part personally prepared to transfer sovereignty to Brussels. "As a person, I would be ready. The idea of ​​a European finance minister I have no problem.But as finance minister I say that it is our duty to solve problems here and now, and that as soon as possible based on existing contracts. "

Wolfgang Schäuble will meet his French counterpart Francois Baroin Tuesday to discuss the harmonization of corporate tax and the introduction of a tax on financial transactions. France is the country with Germany most strongly opposed to the Eurobonds.

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The famous vision of the convergence of content and pipes dear to Jean-Marie Messier is totally outdated. Today, a group that controls a movie studio and a telecom operator has only his eyes to cry.The new Web giants like Google and Apple do not control any of this. They just developed a huge platform of exchange on the Internet on which they aggregate to music, movies, television series, electronic books, newspapers, video games and entertaining thousands of small applications. The challenge for them is to distribute such content on devices (mobile phones, tablets, PCs, TVs connected) and to levy a tithe in the process. But to control the distribution, they need three pieces of the puzzle: the platform, the terminal and finally the software that connects the platform and the terminal.

This is Steve Jobs, the genius head of Apple, who developed the concept cash advance. His platform called iTunes and Apple Store. Its terminals are called iPod, iPhone and iPad. Finally, the software that links is called IOS.Engineering is to develop an easy to use and so user friendly that consumers choose to voluntarily shut themselves in a world of Apple and even give him the credit card number! A dream!

Next step: the network

In this strategy, Google has a delay time. But in the world of technology, the positions are turning very quickly. The platform called Google and now Google + YouTube, social networking competitor Facebook, which has already gathered more than 25 million users. Google has also developed its software: Android. Used by 150 million mobile phones and hundreds of thousands of tablets, Android than Apple the IOS.

However, Google has never succeeded in producing a terminal. His first mobile, the Nexus One, was a failure.Its case for Google TV connected TV is not taking off and there is still no tablet Google. A huge hole in the strategy. Larry Page, Google CEO, knows that to win against Apple, it needs to control the terminals. Motorola is a strong brand and its laboratories are full of excellent telecom engineers. Specifically, the next battleground may be the control of telecom networks. In 2007, Google was a candidate for the purchase of mobile frequencies in the United States. Without success. But this is only a postponement.

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