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The business use of email is now widespread. Number of employees plébiscitent this tool, finding that 70% provides increased productivity, if we are to believe a study commissioned by the Australian company Dimension Data. Snapshot to contact several people at once and keep a written record, the mail seems to have installed as a means of communication in the company unbeatable.

And yet it does not benefit. Virtual, the massive use of electronic mail in particular has a tendency to dehumanize the management staff. "Some managers think they can coordinate and manage their teams from their messaging, notes Chevallet Romain, researcher at the National Agency for the Improvement of Working Conditions (Anact). But the mail does the illusion of coordination.The quality of the email exchange is no comparison with that which was in a meeting or simply between colleagues, "he says. Eric Albert, president of the French Institute for Action on stress (IFAS), reported a striking example of this dwindling trade. "You go account, it reports does one, two assistants who work in the same office send each other e-mails!". A phenomenon that is a real loss to the company. For dialogue face to face brought an emotional dimension that allows more adjustment to the other, to find compromises or to generate ideas …

A loss of 10 IQ points

The immediacy of the mall also has its downside."This permanent stress distracts the employee," Roman Chevallet analysis shows, supporting evidence, that the quality of work it is impacted, "A study of the London Institute of Psychiatry shows that go well with perpetually one task to another induces a loss of 10 IQ points, the equivalent of a sleepless night! "he says. Not to mention the stress caused by the influx of applications to which the employee is not always cope. A stress that tends to increase with the increasing demands of stakeholders, often owners of smartphones, which anticipate the responses of more and faster.

What, therefore, to use its smart messaging?

1. Introducing a hierarchy where the chronological order prevails. "It should restore priorities, stop confusing urgent and important," says Romain Chevallet.To do this, mails received may be classified according to their interest. By clicking on the flag that symbolizes a high importance, or creating files, theme, folder, or by importance. From this point of view, the mall has a definite asset. Although classified and easy to find, it can be a real list, and a database.

2. Cleaning up as and so as not to overload his mailbox and duty in the emergency delete messages surplus "with a machete. To save time, you can introduce filters that automatically redirect such unwelcome emails to the trash. Or select the messages by keyword to classify them in a folder. But be careful in this case not to lose sight of your overall messaging.Remove or archive emails as and also allows you to more easily find an important message.

3. Do not plug your mail to you, if your work permits. "The manager should set as a rule not to seek a collaborator with him," said Romain Chevallet. Especially since many employees, under pressure from management or a strong competition among colleagues, are needed to respond as quickly as possible, even to jeopardize their privacy.

4. Log out regularly. "In England, some companies have introduced a day without e-mail Wednesday," notes Roman Chevallet. Without going that far, it may be useful in order not to lose concentration, to force himself not to look at his mail every five minutes.Periods of disconnection from 1 to 2 hours can boost your productivity, provided that your manager is willing to wait this time to receive a response.

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Shop for less cost on your insurance policy and you'll soon find that even your present insurance carrier may be able to assist you with a low rate car insurance policy.

D-Day for Marcello Convite the boss of the small company that wants tricolor Carmat conquer the world with its first total artificial heart biocompatible. This Tuesday, in fact, that the start-up takes its first steps on the Paris Stock Exchange, having packed the heart of investors. In difficult market conditions, the SME accompanied by Truffle Capital, its largest shareholder (30%) and EADS, has done better than expected, raising 14.5 million euros at a price of 18.50 euros per share enhancing from the outset the company 75 million. A great appreciation for its Director General who has taken brilliantly in the year, new to him, the financial road show.

This Italian 57 years, trained in computer technology and speaks five languages, has not missed any arguments to "sell" the young company and its innovative and promising.His prosthesis, implantable total artificial heart developed by Professor Carpentier of the Georges Pompidou Hospital, from 2013 should help save tens of thousands of cardiac patients. A challenge that fascinates Marcello Convite former IBM and Fiat, paid for thirty years in the life sciences. He held until last September to senior posts in the American International Edwards Lifesciences, who had just bought to Professor Carpentier's revolutionary concept of cardiac valves. For Dr. Philippe Pouletty, CEO of Truffle Capital, with the artificial heart (which will remain French …), Carmat has "all the ingredients to become a global technology company beautiful. "A great adventure of entrepreneurs, leading the veteran of the biotechnology industry has also brought public in April and companies Neovacs Deinove.

Carmat is, in fact, primarily a story of men.An R & D secrets first, initiated in EADS by Jean-Luc Lagardere and Professor Carpentier and developed for 15 years by a team of engineers led by former "Mr. International" of EADS, Jean-Claude Cadudal, president of Carmat.

Beside him, the engineer, former head of EADS big projects, and "very good teacher," Patrick Coulombier, also played a key role. It is today, with Marcello Convite DGA society. It was created in 2008 under the leadership of Philippe Pouletty because, after the release of préprototype, "he had to go to the next level." By convincing the engineers of the European giant switch in the start-up and live the adventure.

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The U.S. economy has begun to destroy jobs, after five months of net creation. In June, the number of job losses in the U.S. totaled 125,000 jobs including in the public, according to figures from the Labor Department. The figure was pulled down by the public sector, the end of the census causing the departure of 225,000 temporary workers hired for the occasion.

More importantly, the private sector alone has created 83,000 jobs. Is much better than the 33,000 net new jobs in the month of May However, analysts expected a figure close to 112,000. "We're going in the right direction but we do not go fast enough for many Americans. We are not moving fast enough for me either, "responded the president Barack Obama.

The increase in the number of private sector jobs due to "modest increases in various industries."The leisure industry in particular has created 28,000 jobs before the summer. Business services hired 21,000 people. Note, the industry continued to create jobs (9,000). The construction sector has meanwhile also destroys jobs (22 cash till payday.000), hit by a decline in new construction.

"Beyond these figures rather in line with expectations, the disappointment is the hours worked and wages," noted economists Exane-BNP Paribas. "Hours worked weekly find their level in April (34.1) and hourly wages shrink by 0.1% over the month." In bad omen for consumer spending.

On the other hand, the unemployment rate, calculated on a different basis, for its part fell 9.7% in May to 9.5% in JuneThe Labor Department said the decline by reducing the workforce and the growing number of discouraged workers who no longer work. "We still expect a gradual recovery in the labor market with unemployment rates remain high in 2010 before improving slightly in 2011," says Julian Thomas, an economist at Natixis.

"In general, the Labor Department report suggests weak growth, but not fallen into recession, say economists for their part of Societe Generale.

Jerome Kerviel has expressly acknowledged on Wednesday before the Paris Criminal Court, have committed crimes (embezzlement, forgery and uttering, hacking into a computer system) against him and makes it run five years in prison. While it seeks to introduce a nuance that relates to his defense – "the bank knew everything."Still, after a long and detailed questioning of the court, the president Dominique Pauthe and his two assessors, perfectly complementing the former trader at Société Générale could not dodge the onslaught of the Crown.

The prosecutor, Jean-Michel Aldebert, head of the financial section of the floor, asked him: "Have you created fictitious transactions to mask losses or gains?"

Jerome Kerviel: "Yes, Eliot [note: the computer system available to all].

-Have you provided false explanations to your hierarchy?

Non-credible explanation, yes.

Have you crafted fake e-mails?

Yes. "

But the magistrate, silhouette dry, sharp profile of a bird of prey, hushed tone, did not finish.He comes back three days during which, in early 2008, the montages of the trader-delusional about 50 billion euros pledged not covered market that will drive 4.9 billion of losses-have been uncovered: "During the week weekend of January 18 to 20, you do nothing to help the Societe Generale. Why?.

Jérôme Kerviel: "On Saturday the 19th, I was asked only about 1.9 billion that had won in 2007. I was impressed, intimidated, stressed by the officials that I had never seen …

-You sound like a person telling police custody on drugs! You had positions totaling 50 billion, why do not you say?

"It was not the topic this time bad credit payday advance. I answered the questions on the 1.4 billion point.

A few minutes earlier, the accused had replied on the same theme to questions, subtly, by Judge Virginia Tilmont. Especially this one: "Did you feel that challenge the system?"

Jerome Kerviel: "Absolutely not. In trading rooms is a little stash of national sport [note: some of its activities]. Everyone does, I perhaps more than others, but I tried to bring the most money in the bank. " A good little soldier, somehow, even if his methods were not always orthodox.

The boom is fully stretched to their consideration that Mr. Metzner. The lawyer for Mr. Kerviel comes out of his sleeve-mail dated Dec. 17, 2007, from the time his client has 1.4 billion euros and is preparing to invest 50 in the disastrous conditions that known.This email is signed by a certain Raymond Bunge supervisor Claire Dumas, who represents the SocGen this trial. It reads: "Good soldier must learn to disobey more out of the box".

Mr. Metzner Jerome Kerviel: "It reminds you what you asked?

The accused, not surprisingly, all smiles: "Yes."

So what if, as noted by Ms. Dumas, that assessment involved an employee of the department, which had no time to play with the funds lost money from his employer. What matters, after the wrong time spent by Jerome Kerviel, is having the last word. Jean Veil was understood that launches the formula fetish Mr. Metzner: "We agree. And for the first time, the bank puts the laugh on his side. In CHIP is a trick for the defense.

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The Dow Jones is expected to open up 0.67% at 10,206 points. The index futures are predicting a slight increase in opening of U.S. markets. Shortly before the opening of Wall Street, futures on indices Standard & Poor's 500 and Nasdaq 100 advanced 0.76% respectively at 1093.30 points from 0.65% to 1854.50 points.

Caution remains the watchword. The statistics emerged mixed Friday, with an index of consumer confidence than expected for the month of June, but the announcement of an unexpected decline in retail sales in May The Dow Jones closed up 0.38% at 10,211 points while the Nasdaq gained 1.12% to 2243 points.The three major U.S. stock indices ended the week in the green since the S & P 500 closed with a gain of 2.5%

In this session of transition marked by an agenda very quiet and a euro that has just crossed the $ 1.21 mark, investors could resume, however, slowly, some appetite for risk, encouraged by the improving market Asian and good consumption figures published last week in the United States.

Real estate, consumption and inflation on the agenda

They eagerly await the remarks on Wednesday held Federal Reserve Chairman Ben Bernanke on financial sector reform.We know already that the crisis of sovereign debt in Europe has pushed the timetable of the next Federal Reserve decision affecting its basic rate, as provided Monday James Bullard, president of Fed St. Louis.

Before that, the functions of building permits (Tuesday) and housing starts (Wednesday) will be monitored closely. But these indicators should have a real strong correction with the end of the tax credit.

On Wednesday, the industrial production should instead show strong growth for the month of May, while producer prices (same day), then consumer prices (Thursday), should confirm the absence of inflation United States.

Shortly loaded results, the agenda will be dominated by Wall Street setting CBOE Stock Exchange, the last U.S. platform independent.The price of the introduction should be provided on Monday night.

In addition, FedEx (Wednesday), the cruise Cardinal (today) and Best Buy (tomorrow) will publish their quarterly results.

Moreover, the U.S. administration is stepping up its action against the British oil and wants to confiscate the group dividends. A threat to the stock.

After one child, the unique apartment? The Beijing city government announced on Friday of "tough measures" to curb rising property prices, reports the Xinhua news agency. Among these measures, families will no longer buy a new apartment. The municipal authorities also prohibit banks to grant mortgages to families buying their third and well beyond. The loans will be more accessible rather than "to persons not resident in Beijing who can not prove they have paid their taxes and social security contributions in the city for at least a year," the agency details Press.

Beijing is the first city of the Middle Kingdom to announce detailed measures to tackle speculation, China Daily notes.The cities of Shenzhen (Guangdong Province) and Shanghai would also work on a plan to regulate sales of homes in the wake of measures announced by the government since the beginning of the year.

Under the economic stimulus package introduced in late 2008, priority was given to the promotion of real estate lending. Result, prices in the industry have taken a very strong upward trend, especially in large cities, Natixis said in a note. So much so that some observers suggest the hypothesis of a housing bubble.

The U.S. stock market should take another step forward Wednesday. The index futures are predicting a slightly higher opening of U.S. markets. The index futures Standard & Poor's 500 index advancing 0.46% to 2033.50 points. The day the Dow Jones gained 0.23% and the Nasdaq 0.81%. In Asia this morning, the same trend with the Nikkei in particular that ended on a positive note (+1.74%).

Apple Earnings blaze

On Wall Street, the technology sector should benefit from the announcement after the stock market, a 90% surge in net income of U.S. computer maker Apple in the first quarter. Inflated by including a doubling of sales of iPhones, the company's net earnings to net apple exceeds $ 3 billion in the second quarter of its fiscal offset.Turnover was up 49% to 13.50 billion dollars.

Also in the technology sector, Yahoo! also published after the close a net profit group share in the first quarter more than doubled on a year to over $ 310 million payday loans. In contrast, the turnover has been disappointing. It increased only 1% to just under $ 1.6 billion.

On Tuesday, the financial sector, for its part, was carried by the strong quarterly results from investment bank Goldman Sachs, whose future remains clouded by fraud prosecutions brought by securities regulators in the United States and in Great Britain.The firm has more than doubled its net profit in the first three months of the year to nearly 3.5 billion dollars.

On the foreign exchange market, the euro was slightly lower Wednesday as investors watching the talks between Greek officials and teams from the EU, IMF and ECB on aid to Greece due to start Wednesday after a successful bond sale by Athens yesterday. In the early morning, the European currency was worth 1.3433 dollars against 1.3436 dollars the previous day.

Today on Wall Street, investors will monitor the traditional weekly crude inventories will be published in late afternoon.

It is an alliance that giant Credit Agricole is poised to build in the business of brokering, with China's Citic. Corroborating sources, the two groups, whose discussions began a year ago, will announce in the next few days their entry into exclusive negotiations.

Before yesterday, the Bloomberg spoke of the creation of a joint venture in Asia. The project is actually much broader. Cr?dit Agricole and Citic were preparing to share all of their brokerage activities, with the ambition to offer a comprehensive worldwide.For the Green Bank, this means that it will bring in the trash marriage the two flagships, CA Cheuvreux in Europe but also CLSA Asia inherited his nugget of the former Credit Lyonnais and the ex-Indosuez, which strike force in Asia is comprised of over 1 300 employees.

"An entry by the front door"

The negotiations will refine the assembly operation. It seems, however, have articulated a pattern in stages. Globally, the respective contributions show an economic weight of about 70% for Credit Agricole, 30% for its Chinese partner. In Asia alone, the ratio is 50-50.

In China, finally, market still very restrictive with regard to foreign players, the Green Bank would of course be a minority, but Citic would offer "an entry by the front door," said a source familiar with the matter.Both groups have the ambition to create a unique platform for implementation to the world. A strategy that sticks to the explosion of capital flows to and from the Asian region, particularly China. She also accompany the rise, very fast, of IPOs on the Asian markets for new local giants, but also of foreign cash advance payday loan. Western companies are increasingly likely to be tempted by either a dual listing-West Asia, either through public offerings in part of their activities in emerging markets.

In 2007, Citic had wanted to attempt the adventure of large-scale partnership in market activities.But the Chinese had backed the wrong horse by selecting Bear Stearns, number five on Wall Street, which was the first major victim of the financial crisis in March 2008. The company was swallowed by a weekend, for a pittance and under pressure from the Fed, JPMorgan.

By marrying his "brokerage" than CITIC, Cr?dit Agricole replicates the strategy already implemented in the field of asset management and derivatives: Green Bank has established two joint ventures with Societe Generale, Amund and Newedge . In both cases, there is access to the critical size. The problem applies to the brokerage, a business in which the challenge is to offset the costs of research teams and infrastructures, galloping amid technological revolution on the market.

Finally, the operation comes at a strategic refocusing of the Cr?dit Agricole group.The Green Bank in 2008 has imposed a severe weight loss at its investment banking subsidiary, which came early and suddenly in crisis. Now, CA IPC (Credit Agricole's Corporate and Investment Banking) is focused on three areas: structured finance, capital markets and brokerage. The planned offensive alliance with CITIC confirms this last job.

Tereos (Beghin-Say, The Parrot), second European sugar, wants to empower his ambition of becoming a major player in ethanol, a very strong market growth worldwide.

The cooperative group, obtained in 2002 from the merger of Beghin-Say and Union SDA, announced Monday the creation of a new subsidiary, Tereos Internacional, which will consolidate its processing of cereals and sugar cane, including participation in Guarani (69%), its Brazilian subsidiary. Tereos Internacional is a Brazilian company, but she expects to be listed in Paris and Sao Paulo and raise money on both platforms. In Paris, he was one of the few operations IPO since the start of the financial crisis. "This dual listing aims to strengthen the international anchors the group" welcomes Philippe Duval, CEO of Tereos.Part of the operation will be reserved for its 12000associ?s cooperators. Tereos, advised by Rothschild and the firm Linklaters, will remain the majority shareholder. The parent retains its status Tereos cooperative is refocusing on its roots, beet processing in Europe (France, Czech Republic, Spain).One area in which the maneuvers have already taken place.

"Scaling"

The creation of a subsidiary consolidate its transformation is the result of a diversification strategy initiated fifteen years ago both in its products (starch, alcohol, ethanol, energy) as its geographical coverage (Europe, Brazil , Indian Ocean) cheap payday advance.

Tereos Internacional, which counts among its clients manufacturers like Coca-Cola, Kraft Foods and Unilever, will become a "world leader" of bioenergy and food with an annual turnover of 1.86 billion initial d ' euros. In the crosshairs of the group, emerging markets, where the potential for long-term growth markets of sugar, starch and ethanol, has something to dream about.After more than doubled since 2003, global consumption of ethanol, led by Brazil and the United States, is expected to double again by 2015.

In Brazil, the largest producer of sugar, Tereos inherited two plants Guarani upon redemption of Beghin-Say. Since then, four plants were built, making the fourth Guarani sugar in the country and number five in the production of ethanol. "We see a huge change of scale in this country," notes Philippe Duval. There, more and more cars run on ethanol. Groups such as Dreyfus and Shell, combined with Brazilian producer Cosan biofuels, broke into the country, encouraging Tereos to accelerate its development and to participate in industry consolidation.Elsewhere, particularly in Asia, the consumption of starch, which should increase by 50% by 2015.

Engaged in an active policy of acquisitions, the latest being that of sugar in the French Quarter Meeting, Tereos cautiously advance his pawns. In less than ten years, its turnover has doubled. And the president has not hidden at the beginning want to double in size within five years.

Amazon pioneered the digital Kindle book does not miss the train of Internet Tablets. A month before the release of the Apple iPad, Amazon announced that his books are readable on the iPad. This announcement is surprising as the competition between the two companies is severe.

Also surprising is it, this opening is in the meanings of the Amazon listings for the past six months. In fact, Amazon had already opened its application for reading books in digital mobile phones iPhone and iPod Touch by the firm at the apple.Specifically, a user who has purchased a digital book on Kindle bookshop (which bears the same name as the drive itself) will have the opportunity to read or to continue reading on the iPad tablet.

"For consumers around the world who do not (the tablet reading) Kindle (application) for Mac Kindle is a great way to immediately access and read new books most popular and classical favorites "said the director of Amazon Kindle, Jay Navy, in a statement.

This announcement confirms that buyers of the new multimedia tool iPad perceived as a threat to traditional tablets reads like the Kindle will have the choice of several systems to read books.

"Amazon has done excellent pioneering work of this feature with the Kindle, we will build on its achievements," said Steeve Jobs in presenting the iPad late January.