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The former model, founder and vice president of her cosmetics company AKD, more frequent luxury hotels as campsites. SME's, registered nearly a year since the free market to the Paris Stock Exchange, sells creams, perfumes and manages seven spas in posh hotels, France, Bulgaria, Greece and Turkey. Others will hatch in Morocco and Tunisia, where Arab Spring did take a little delay in his plans.

AKD spas (1.6 million euros of turnover) are to exhibit at the franchise to accelerate their development. And the young woman has also decided to "democratize the use of the spa." To initiate the largest number of women relaxing virtues of these Care, AKD has partnered with Sunelia, which manages high quality campsites compounds, quaint wooden mobile homes easy payday loans. Announced these days at the World Tourism Fair, these spas are composed of three mobile homes and an outdoor Jacuzzi. They offer from this spring packages discovery from 30 euros for two days with campers looking for a wellness break.

And try to win over families staying in summer within 30 campsites Sunelia. Adriana Karembeu is set to make a short tour of these places to stay four or five stars, in Ardèche, in Gironde, in the Eastern Pyrenees, Corsica or in Loire-Atlantique

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The European Union will not allow itself to do. In the aftermath of retaliation by China against the European carbon tax, which came into force on 1 January, the Danish Minister of Climate, Lidegaard Martin, said Friday that Brussels does not intend to reconsider the measure. "The EU will continue to ETS (the European carbon market fee, ed) and I feel we have a Council of Twenty-Seven united on this subject," he said on the sidelines of a meeting Brussels with his counterparts. "Europe and other countries want a solution within the International Civil Aviation Organization (ICAO)," he added. To date, 26 of 36 ICAO member, including China, the United States and Russia, opposed the measure.

China took the lead from the dispute by freezing orders for Airbus aircraft placed by its airlines. "The decision of Beijing has an industrial impact: it hits 45 Airbus long-haul, 10 and 35 A 380 A 330," Louis said Thursday Welsh, CEO of EADS, when presenting the results of the 2011 group . "In 2013, 6 A 330 deliveries in 2014 and another 19 are endangered," he added, asking the EU not to insist on applying a unilateral measure. "We promote an agreed solution on a global scale. The European tax is not the appropriate solution. It distorts and puts us at odds with the rest of the world, "insisted Louis Welsh.

Trade war

The carbon tax applies to all airlines flying over European airspace. They will, however, forced to perform in the spring of 2013. Carriers must pay 15% of their emissions in the year 2012, 32 million tons, according to the price of a tonne of CO2. Otherwise, Brussels has set two types of penalty: a fine of 100 euros per tonne, more radical, the flight ban over European airspace.

China has calculated that the bill will amount to nearly 100 million euros for his companies and four times in 2020. In total, the carbon tax would cost 705 million euros for 2012 to stakeholders worldwide. Unacceptable for the Chinese, who are ready to tussle with Europe, even start a trade war with disastrous consequences for Airbus. Beijing is far from isolated. The rejectionist front also includes the U.S., India and Russia.

The threat is real for Airbus, which is fighting against Boeing, in all these regions to sell planes. It affects not only future orders, but also on its order books and production rates, thus on employment. EADS could stop wearing the monthly production of the A 330 to 11 copies, against 7 currently, from the second quarter of 2014. The future of the A350 XWB long-haul next-generation, could be thwarted.

China's strategy of Airbus is shaken

China, the fastest growing market in the world, is strategic for Airbus, which has sold 15 A 380, 2 of which were delivered to China Southern ordered five of them. Hong Kong Airlines, a subsidiary of China Hainan Airlines, has already threatened to cancel its order for 10 super-jumbos. If the case escalates, how Airbus can hope to convince other Chinese players? All its China strategy, whose cornerstone is the introduction of an assembly plant in exchange for A 320 commands, is shaken.

Other measures of retaliation are not excluded. What would happen if Russia, where the A380 has achieved a commercial breakthrough with Transaero last summer (4 A 380), or India decide to follow suit in Beijing? According to Airbus estimates, India and China account for 40% of global demand for aircraft in the next twenty years, or 10,320 units. Something to think about European bodies!

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Limit reimbursement through the waiting period

This is a period during which the insured is not at all supported by health insurance. In practice:

– In health insurance, an expense incurred during the waiting period will not be refunded,

– In case of sickness, one day waiting period is a day without benefits.

The waiting period is intended to limit abuse. He avoids, for example, that a person obtain in a mutual health emergency with high repayments, because it provides important health expenditure in the short term.

Regarding sick leave, the goal is in this case to limit the amount of per diem employees. Indeed, short stops (from 1 to 8 days) are the most numerous.

Waiting period for illness and per diem

For private sector employees, the waiting period is three days. This means that the first three days of sickness are not subject to per diem allowances. In November 2011, the Government had a time plans for a fourth day of deprivation but face the reactions of French, however this project has been abandoned. However, for staff, a waiting period of a day has been introduced in late 2011.

Namely: some collective agreements provide that the waiting period must be compensated by the employer.

Waiting period and mutual

In health insurance, the waiting period usually carries on:

– Optical equipment,

– Dentures,

– Hearing aids,

– Hospitalization (except in emergencies),

– Support of motherhood.

Namely: the waiting period can also be called qualifying period or waiting period.

It generally varies from 1 to 3 months, but it is up to 9 months for motherhood, even a year for dental appliances or hearing the most expensive.

When anticipating the high health costs, so it makes sense to do it in time. Also, it may be preferable to seek mutual without waiting periods to find the best health insurance.

Please note: some mutual health are effective immediately, and have no waiting period.

Exceptions to the waiting periods

Concerning daily allowances for illness, the waiting period does not apply in the following two cases:

– In case of work stoppage caused by a long-term illness (ALD),

– In case of resumption of activity between two work stoppages not exceeding 48 hours.

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After several trips between the Senate and National Assembly, the law governing the right to strike in aviation was passed by Parliament last night, after a final vote by MPs, despite a lively parliamentary debate and a social protest movement. This new law, proposed at the initiative of the UMP with government support, aims to "appease the social dialogue without penalizing thousands of passengers," according to Transport Minister Thierry Mariani. Conversely, unions and the left have hotly contested the text that would "violate the right to strike." The bill was first and was rejected by the Socialist-dominated Senate and then, after several trips between the two chambers, the last word came back last night who voted for the text of hands.

The law in force the device layer to the SNCF and RATP since 2007 in aviation field. He imposed on strikers, under penalty of law, to declare individually 48 hours before each day of the strike so that companies can inform travelers of disturbances coming 24 hours before departure. Moreover, non-striking employees or those who decide to return to duty must also, under penalty of disciplinary action, inform the employer within 24 hours prior to their participation or anticipated recovery.

But the story does not end there since the left intends to file an appeal to the Constitutional Council. Another bone of contention major political, social VAT was also endorsed by the Parliament last night, through the vote of amending budget 2012. The ruling majority is expected that this will boost the social VAT competitiveness of France, by contrast Socialists denounced as a "unfair" and Francois Hollande promised its repeal if it wins the presidential election.

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Friday night, Greece officially launched the enormous debt exchange it has obtained with its private creditors. This is a complex mechanism that aims to relieve the country by erasing more than half of the slate, or 107 billion euros, and pushing the date for repayment of the remainder (99 billion).

How are things going? In exchange for an obligation of an initial $ 100, Greece proposes to give creditors securities with a value of 46.5 and waive the rest. The new obligations that creditors will accept the exchange are, for the initial value of 31.5, Greek titles and 15 titles from the European Stability (EFSF). The bonds will EFSF of short duration, to enable creditors to receive quick cash. Greek bonds, however, will last far superior. Specifically, for each security traded, the creditor will receive 20 new, lasting spread between 11 and 30 years. The goal is to push the repayment schedule of Greece on the amounts it still accepts honor for him time to recover. In detail, the tender specifies that the interest rates on new bonds will be 2% for securities maturing between 2013 and 2015, 3% between 2016 and 2020, 3.65% for maturities of 2021 and 4.3% for those from 2022 and beyond.

The debt exchange, sometimes called PSI (Private Sector Involvment, private sector involvement), is supposed to allow Greece to reduce its debt ratio to 120% of its gross domestic product by 2020 against 160% TODAY ' Today in the hope that it can eventually regain access to bond markets.  

Everything will depend on the reception of the operation

Athens hopes to conclude the procedure of exchange of debt by 12 March. The whole question now is how much of creditors will participate. According to a Greek politician, the government is optimistic it will be massive. Charles Dallara, managing director of the Institute of International Finance (IIF), which represented the private creditors, has also expressed its confidence cash advance. "When they have read the terms of the debt swap, there will be a high turnout," he said from Mexico City which opens a meeting of finance ministers and central bankers of the G20 countries.

Greece said it would not be required to make the debt swap if participation was revealed less than 90%. If it appears between 75% and 90%, then it will launch consultations involving its creditors. At a rate below 75% the exchange will not occur, warned Athens.

The future of Greece still doubtful

The crisis is still a long way to Greece. The Eurogroup President Jean-Claude Juncker said he could not exclude that it takes a third rescue package, echoing the offers of German Finance Minister Wolfgang Schäuble: "there is no guarantee that chosen path lead to success. It is also possible that this is not the last time that the German Parliament should consider financial assistance for Greece. "

Robert Zoellick to head World Bank until next June, the Court also found that the latest aid package of 130 billion paid to Greece would only allow Athens to save time. Finance ministers of the euro area will gather next week ahead of EU summit in Brussels on Thursday and Friday to review the measures provided for Greece, so that the second European rescue plan to be activated.

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Jeremy Lin and the American fairy tale. It only took seven games to the playmaker of the team's basketball for the Knicks panic counters and generate a media frenzy rarely seen in America. The defeat of his team that night, for the first time since its revelation to the public, does not diminish the power of the phenomenon Lin, who finished top scorer of the match. A true media darling, the "Lin mania" is now an economic nature.

According to Patrick Rishe, a journalist specializing in sports economics at Forbes, Jeremy Lin should earn this year between 10 and 20 million dollars in revenue for his team. Based on his calculations, he believes that the brand Jeremy Lin is now worth $ 14 million. Already, sales of products Knicks exceed those of all other teams in the championship. Better yet, the shirt of Jeremy Lin is currently the best selling of the entire league by site nbastore.com, ahead of Kobe Bryant and Lebron James, however, the two superstars of American basketball.

Since its emergence in the field, television audiences matches the Knicks were up 66%, according to ABC News and the price of tickets at Madison Square Garden, where the team plays, increased by 27%. A phenomenon that extends to the whole country, all brought to theaters soon receive the full display of the Knicks team and seeing the price of tickets on the black market soar.

Nike bounces on the phenomenon

Lin's exploits have even an impact on stock markets. The share price of the group Madison Square Garden Entertainment, which owns the Knicks, has increased by 6.2% over the last five days, reaching its highest of the year, according to Bloomberg. Performance directly attributed to Lin, the group has announced losses in the same week.

It did not so much to interest sponsors. Decisive with his team, he also shines personality, humble and smiling and personal history. Out of nowhere, rejected by the leading clubs, he finally won through hard work, courage and tenacity. All values ​​that symbolize the American dream and please brands. Do well because already under contract with Jeremy Lin before hatching, Nike also is preparing to release a shoe in the name of the player and the colors of the Knicks. Jeremy Lin signed his first professional contract this week, amounting to 762,000 dollars for the season. It's a safe bet that it would reach many more especially if he continues to earn as much.

Wind "Folin" Asia

First American player of Taiwanese to move in the American Championship of Basketball, Jeremy Lin has become at the same time the new headline the NBA for Asia, which represents the largest market outside the league, according to Reuters. Asian TV channels were also eager to buy the rights to broadcast matches, the Chinese state channel CCTV has even changed its programs to broadcast several games of the Knicks this week.

"This is an unprecedented phenomenon and I am delighted for him, for the league and the Knicks' David Stern said Tuesday, the powerful boss of the NBA. It is true that the media hype and commercial around that player's personal story atypical is a boon to the American basketball league whose image had been tarnished by a long and costly strike that has raised fears a moment the cancellation of the season. Some broadcasters and sponsors in mind, feared even a year on the cheap and tasteless. By Jeremy Lin, American sport has found a goose that lays golden eggs and intends to capitalize on it. Remains whether it will uphold and maintain this level of play

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'Good and promising' are the words chosen by the president of the SNCF to describe the annual results of 2011. SNCF Group which has seen its turnover increase by 5.8% at constant exchange rates to 32.6 billion euros, however, has generated a modest net profit of 125 million euros against 697 million euros in 2010.

The company has indeed made an impairment of 840 million euros, 700 million under its TGV. "We hoped that there would be no further increase in 2013 of tolls to maintain the value of our fleet of TGV trains, said David Azema, the deputy director general strategy. But between 2012 and 2013, higher tolls for the TGV will reach 7% and represent a charge of 130 million euros more. "

SNCF points between 2008 and 2011, the total amount of tolls paid to Réseau Ferré de France has reached 500 million euros. It is on rail network SNCF of France that puts the responsibility of a net cut of several hundred million euros.

But since the publication of the rising bill for 2013, the situation has apparently subsided between SNCF and RFF. The latter, manager of the rail network, pledged Thursday, February 9 that the evolution of tolls over five years (2014-2018) is equivalent to the "inflation rail" increased by 0.3% maximum. This jargon reflects the inclusion of more parameters (increase maintenance costs, the price of copper and steel …) to secure an annual inflation rate specific to that activity. In 2011, inflation reached 5.8% rail.

The horizon cleared and allowed Guillaume Pepy to "open a discussion at the Board on the possibility of exercise of options on up to 40 trains Alstom", says, carefully, the president of SNCF. Clearly, the station is considering replacing its older trains when she refrained so far to discuss the purchase of oars, each unit costing 30 million euros.

The SNCF president stressed that his group was able for the first time since 2007 to reach a positive cash flow: EUR 261 million in 2011 due to good performance of the branch Infra – which carries out maintenance and maintenance – and the Near branch which includes TER and urban transport. However, SNCF Geodis has consumed nearly 500 million euros in 2011, in particular the rail freight business. Another black spot: the debt – reduced by 170 million euros in 2011 – still exceeds 8 billion euros and should remain as high in 2012.

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French companies in the oil sector are not lining up again in Iraq, yet holds the second proven reserves of oil. In this difficult terrain, Trouvay & Cauvin, strong of a convoluted history of one hundred thirty years, is a pioneer.This small home in Le Havre on Monday announced that it enter the largest oil field in the country.

In the oil industry, Trouvay & Cauvin is what we call an assembler, which delivers the engineering as the French Technip and its foreign competitors parts-pipes and valves, for their major projects free 3-in-1 credit report.

Next quarter, announces Laurent Marie, CEO and principal shareholder of the SME, "we will open a storage site can accommodate 10,000 tons of equipment, and eventually 100,000 tons" for BP, Shell, Exxon Mobil or LUKoil still.

For now, the 60,000 square meters of land in Basra, Iraq's major port on the Persian Gulf, are under-mining. Port infrastructure are still dilapidated, one must import, describes Marie Laurent.

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After finishing the week on his guard, down 0.04% to 8,678.89 points last Friday, the index of the Tokyo Stock Exchange is in pressed green area on Monday, gaining 1.69% just prior to closing. The markets reacted positively after the summit in the euro area this weekend, to put an end to the debt crisis. Meeting in Brussels, Nicolas Sarkozy and Angela Merkel Sunday near their positions on the fateful question of European bailout fund and its clout in the marketplace. However, on request of Germany, the final decision will be taken until the night of Wednesday to Thursday, after another conclave of crisis.

Other Asian markets followed the upward trend in the Nikkei.The Hang Seng index of Hong Kong Stock Exchange rose 3.92% to 18,731.70 points, the CSI 300 Shanghai 0.66% to 2524.45 points, the Kospi index in Shanghai 2.86% to 1891 points, the BSE Sensex 30 in Mumbai 1.76% to 17,080.30 points the FTSE Straits Times of Singapore 1.95% to 2765.21 points and the S & P / ASX 200 Index 2.65% 4251.80 points Sydney.

Considering the situation "very complex", Nicolas Sarkozy has sought reassurance "negotiations progress on the issue of banks on the issue of Greece, things are progressing," he said. Selun President of the Republic, "a broad agreement is emerging on strengthening the EFSF." For its part, Angela Merkel added that the proposed model does not imply the ECB, as advocated by France.Clearly, the European bailout fund (EFSF) leverage its resources, but no new States' contribution of the euro, or use means unlimited in principle of the ECB. With leverage, the EFSF-today with $ 440 billion, and could see his strike force raised in 1000 or € 1500 billion.

The euro against the dollar stable

In addition, the euro area is considering creating a special fund that could be echoed by emerging countries to stem the debt crisis payday loans. China has expressed particular the possibility of financial support.Still, this idea is controversial, some states are reluctant to explicitly request the help of Beijing, according to diplomatic sources cited by AFP.

Until particularly critical of the slow pace until the EU to manage the crisis, the IMF, through its Executive Director Christine Lagarde, immediately praised the "very good progress" on Sunday. "It was really an effective meeting, and I hope it is really in the right direction for Wednesday," she insisted.

In addition, manufacturing activity in China rebounded in October after three successive months of contraction, according to preliminary PMI HSBC on Monday.The PMI purchasing managers calculated by the Bank rose to 51.1 in October, against 49.9 in September.

The hope of ending the crisis in Europe supports banking stocks

As a result of signals in the euro zone considered good, banking stocks rose. In Japan, Nomura Holdings gained 2.47% to 291 yen. While in Australia, Commonwealth Bank of Australia rose by 2.69% to 48.83 yen.

Also note that the Renault-Nissan hopes to sell 1.5 million electric cars in the world within five years, said Nissan (0.58% at 696 yen to the Tokyo Stock Exchange) on Monday in the part of a respect for the environment.

Oil prices were up in early trade Monday morning in Asia in electronic trading in the morning, a barrel of "light sweet crude" for December delivery gained 8 cents to 87.48 dollars on the New York Mercantile Exchange .Hand currency, the euro is stable against the dollar on Monday, the single currency displayed in the balance dollars 1.389 (-0.02%).

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Asian stock markets on Tuesday were in turn carried by the optimism that won the scholarships in Europe and the United States yesterday. The promise, made Sunday in Berlin speaks French President Nicolas Sarkozy and German Chancellor Angela Merkel, are bearing fruit. Hopeful, investors await the answers to the debt crisis in the euro area are expected before early November. They also expect to learn more about the plan to recapitalize weak banks in the region.

Meanwhile, the Japanese Nikkei sets the tone. At the end, he won 1.95% to 8773.68 points. The Topix, broader, took 1.81% to 755 points. The Tokyo Stock Exchange was closed yesterday because of a holiday and had not yet responded to the ads of the Franco-German. The Nikkei is notably supported by exporters who find the values ​​of the force with the weaker yen against the euro.The single currency is changing around 104.50 yen this morning, well above its record low in a decade reached on October 4, at 100.76 yen. Sony gained 5.58%, 5.64% Ricoh, Sharp and Toshiba 3.44% 5.55%. The automotive sector is doing well also: Honda Motor rising from 6.03% Hyundai 3.6% and 2.12% of Toyota.

State intervention with Chinese banks

The Stock Exchange of Hong Kong and Shanghai are also in the green bad credit pay day loans. At 7:00, they earn 3.26% respectively to 18,287 points and 0.72% at 2361 points. Financial stocks pull the score up after a share buyback of the main state banks by sovereign wealth fund China Huijin. According to brokers, this operation is to stabilize the financial system in China.In Hong Kong, around 7:15, the actions of the banks concerned fly: Agricultural Bank of China jumped 15.09% so, Industrial & Commercial Bank of China of 7.92%, China Construction Bank gained 7.04% and of China 8.94%.

Other markets in the region are also in good spirits. The Korean Kospi gained 1.89% to 1799 points, the S & P Australian advance of 0.47% to 4220 points and the Indian Sensex climbed 0.86% to 16,699 points.

Oil stabilizes

Oil was steady Tuesday in Asia, maintaining its gains made the previous day, in a market supported by the will of France and Germany to resolve the crisis of government debt in Europe and disruptions in oil exports to Kuwait due to a strike by customs officials who demanded an increase in their wages.

A barrel of "light sweet crude" for delivery in November gained 18 cents to 85.59 dollars.A barrel of Brent North Sea crude for November delivery gave a small 14 cents to 108.81 dollars.

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