LE FIGARO. – Apple is expected to become world number one personal computer in 2012, according to Canalys.Finally, the HP brand is indisputably linked to our PC.

Why start the Slate 2, your second tablet, sold off after the TouchPad?

We will return on the market shelves. The Slate 2 sign our return. We stopped using the products that our operating system WebOS. We will return in 2012. We will have an Internet Tablet that will use Windows 8 Microsoft.

A tablet is it comparable to a PC?

Not at this time. Internet tablets are mainly used to consume media and e-mails. If you want to use productivity software such as Microsoft, you can not do. Our studies show that this is an additional purchase that does not encroach on the PC market.

Worse, the agency confirmed that the withdrawals were higher than inflows. In October, the balance is negative to the tune of 1.4 billion euros. It is, indeed, a little less bad than a month earlier. In September, withdrawals have exceeded payments of more than 1.8 billion euros.But above all it confirms that life insurance through a bad patch with unprecedented for the first time two consecutive months of negative collection cash advance america.

Questioned by AFP, the FFSA wants to be reassuring. "Let us not forget that these are data points. If you look from the beginning of the vision is very different, "cautions Bernard Spitz, President of the FFSA, underlining that the payments exceed 17.7 billion euros withdrawals in the first ten months of 2011 . A figure that compared to last year's data with the same period, however, shows a precipitous drop of 63%, the statement of the FFSA.

Pensions of baby boomers

These results reflect a combination never seen before, the structural and cyclical factors unfavorable. Life insurance suffers from the retirement of baby boomers. These offset the drop in income by drawing on their life insurance.

Last month, the government has activated for the first time a special support fund created in late 2010 for the departments in need. The beneficiaries are seven departments (six rural) whose debt is massive, and revenues, almost entirely absorbed by the distribution of welfare. Hitherto considered the spoiled children of decentralization, regions require the State to review the financing of rail, now they consider "untenable" for their budgets low interest rate personal loans.

The alarm level is reached. In ten years, spending communities have increased by 60%, and local taxes, 45%! These figures are staggering.Whose fault? A lax politicians and poor managers who prefer to treat their customers (36,000 hiring officials last year when the state removed 34,000 positions)? The lack of political will of the state, hostage to local barons? Bankers incendiary? To have the heart net, Le Figaro Magazine has plunged into the accounts of local authorities, was shelled and analyzed partnered with the Thomas More Institute and Public Evaluation System.Inspiring!

"Cities: heat stroke on taxes (pdf)

"Departments: the weight of social spending (the Ain to the Haute-Garonne)

"Departments: the weight of social spending (the Gers in Puy-de-Dôme)

"Departments: the weight of social spending (in the Pyrenees-Atlantique to Val d'Oise)

"Region: always a sacred way of life

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The next step should come from Brussels. The European Commission said Friday that it would present "in the days to come" proposals for a coordinated recapitalization, which should help to reassure markets worried about the resilience of the European banking system to the crisis. It could soon make its findings on Monday.The European Banking Supervisors (EBA) should also provide estimates of the impact of a sharp depreciation of the Greek debt on bank balance sheets.

With these data in the hands of the leaders arrive for summit of the European Union and the euro area provided 17 and 18 October in Brussels. They will then give a "clear signal" on the subject, said Angela Merkel. The idea is to display a "consensus" on the amount and schedule for building banks' capital. For we must recognize that, as regards the amounts, blur still dominates: the figure of 100 billion to inject capital is the most commonly cited, which is much less than 200 billion euros mentioned a few days ago even by the IMF free business cards.

The next step in the operational implementation of the European financial stability should have been ratified by all parliaments by mid-October: Malta decides before Monday Slovakia on Tuesday. Aid to Greece will be released.

"Acting quickly"

Throughout this long process, Europe should remain under pressure. In recent days, Obama has returned several times to the load on the resolution is too slow for his liking of the crisis in the eurozone. European leaders must "act quickly," pleaded the U.S. president, hoping that a "very concrete plan of action" would be presented.He believes that the crisis in Europe could have a "very real" in the United States.

For her part, Angela Merkel last week has dampened hopes for a reform of the international monetary system from the G20, saying the work on this subject will not be completed. But the Cannes summit will probably be enough to do with the subject of the European crisis.

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The new rescue plan foresees an expansion of European powers of the fire in the euro area, the Financial Stability Fund (EFSF), and increased its capacity from 440 to 780 euros milliarsd. "The German MPs have overwhelmingly demonstrated their sense of responsibility," responded the French Minister for European Affairs, Jean Leonetti, in a statement.

Of 611 votes cast, 523 of 620 deputies voted "for", said the chairman of the meeting Norbert Lammert. Only 85 deputies voted against and three abstaining.As expected, two of the three opposition parties, the Social Democrats (SPD) and Greens, have made their voices.

More importantly, 315 members of the coalition voted for the building according to the AFP and a Conservative MP quoted by Reuters. Clearly, Merkel would not have needed the votes of the opposition guaranteed high risk personal loans. This was not a foregone conclusion, the majority having spread its divisions, the previous weeks on this subject.

If the Chancellor had failed to gather his troops, the German government would have been seriously destabilized, fueling doubts about the survival of the coalition. Angela Merkel would have indeed been "made in Germany as a loser," said Holger Schmieding, of Berenberg Bank.

Germany is the eleventh country to approve the reform of the rescue plan initially set up in 2010 to assist countries in the euro area in need.Berlin, because of its predominant economic weight in Europe, will be the first contributor.

The vote of the Bundestag is the first in a series of three crucial. In the coming weeks, he will speak on a second plan of aid to Greece and early 2012, on a permanent rescue mechanism (MES) to succeed the EFSF.

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The banking sector raises again the concerns of investors. It emphasizes its losses from the statements of Christine Lagarde under which a liquidity crisis was not to dismiss as some banks needed additional capital. "This is the effect Lagarde. These statements primarily affect banks that are considered the least well placed in terms of capital ratios, "said one trader.

Result: mid-term, Societe Generale falling 6.66% to 18.21 euros and signed the largest decrease in the CAC.Behind her, Crédit Agricole loose 4.34% to 5.60 euros, Natixis 4.65% to 2.48 euros, BNP Paribas 3.77% to 31.01 euros and Axa 3.82% to 9.78 euros.

Obama's plan is not reassuring

Investors also unenthusiastic welcome details of the plan for employment unveiled by U.S. President Barack Obama in the night. He introduced a bill on the release of 447 billion dollars for the Americans out of unemployment. "This plan will give an electric shock to an economy that has stalled, will give confidence to businesses on the fact that if they invest and hire, there will be customers for their products and services," assured the U.S. president to members of Congress .

As in Asia this morning, traders seem to doubt the implementation of this plan. Its funding is already generating questions from Republican opponents could block a vote.Barack Obama urged them to adopt "immediately". The U.S. president also announced that it will issue on September 19 "a deficit reduction plan more ambitious."

As Wall Street yesterday, investors have also not appreciated the remarks of the President of the Federal Reserve on growth and jobs last night. The Fed "will do everything it can to participate in the return of growth and employment rates," said its chairman Ben Bernanke, minimizing inflation fears.This speech, however, feeds the assumption of a new effort of quantitative easing, which could be announced at the next meeting of the Monetary Policy Committee of the Fed, scheduled for September 20 and 21.

Inflation slows in China

Still on macroeconomic, Japan has this morning reported a decline of 2.1% of GDP in the second quarter 2011 annualized. This is more than the 1.3% decline initially estimated. The main factor weighing on GDP has been the decline in exports (-4.9% from January to March).

In China, rising consumer prices, the main barometer of inflation, which had accelerated in recent months, slowed slightly to 6 no teletrack payday loans.2% in August.Industrial production is she up 13.5% in August.

In France, industrial production rebounded 1.5% in July after a decline of similar magnitude in June, show statistics released Friday by INSEE. The budget deficit of the French government fell in late July to 86.6 billion euros, against 93.1 billion euros a year earlier, thanks to lower costs, said Friday the Department of Budget .

On the agenda are also on Friday, stocks of wholesalers in the United States. Are also expected in the afternoon, the first estimate of U.S. consumer confidence from the University of Michigan.

As for currencies, the euro hovers around $ 1.38, having dropped below the threshold for the first time in six months (1.3789 to 24:10 in Paris). Oil rises for its part, supported by a surprise drop in U.S. inventories.In early electronic trading, a barrel of "light sweet crude" for delivery in October gained 23 cents to 89.28 dollars per barrel of Brent North Sea crude for October delivery 21 cents to 114.76 dollars.

Values ​​to follow

• TF1 (-6.73%), M6 (-5.10%) Bolloré (3.63%) Vivendi (1.49%); NextRadioTV (-1.28%)

Chains react in a disorganized to take control of Direct 8 Direct and Star, two DTT channels free of the Bolloré Group, Canal +. The subsidiary of Vivendi will have three DTT frequencies. Be as much as TF1 and M6 more than the group which, in addition to the namesake chain, has only W9.For this operation, fully financed by shares, a stake Bolloré group Vivendi.

• Total (0.62%) signed the second largest increase after Vivendi CAC40 (1.55%)

The Anglo-Dutch oil group Shell said Friday that oil was discovered off the coast of French Guiana, during exploratory drilling at about 150 km off the coast.

• Sopra (0.70%)

The group announced the takeover of Delta, specialized in banking software.The transaction is expected to close in early October 2011, will be financed from existing credit lines of business consulting, IT services and software.

• Pierre & Vacances (-4.30%)

The group, which operates much of the accommodation ski resorts, opened 369 new tourist residences furnished this winter.

• ArcelorMittal (-4.30%)

The group will close as of October 3 for an indefinite period and the second blast furnace at its site in Florange (Moselle), according to a union source quoted by AFP.

• EADS (-0.16%) on the second step of the podium

The group said on Thursday not want to use all of its $ 16 billion (11.45 billion euros) in cash for acquisitions.

The new tone decidedly anti-jargon adopted by South Radio when he arrived in Paris on the air is controversial. The High Council of Audiovisual (CSA) has remained the station for anti-Semitic statements in the release of Michel and Eric Mazet Cardoze 16 hours to 18 hours. Eric Mazet was laid off by the radio. Robert Ménard, who hosts the morning show with a phone-called "free-Ménard," is also under fire because the auditors have made racist remarks on his show. How far can we go with freedom of expression? "That's the difficulty. Simply South Radio does not do the same as the others. If today half the French do not trust the media because they feel that journalists are cut off from them. This is a problem of democracy.How to talk about people, their worries, their fears, even if they are poorly made, do not pass in the media, "said he. Should we let freedom provided to foul words? Racist and antisemitic fall under criminal law. "That is why in my show, I immediately put a stop saying we will not see it at home. Eric Mazet made a stupid, clumsy as it did not have the right spread. But that does not mean an anti-Semite. The challenge of Sud Radio, is not to repeat what all the major radio stations, that is to say information among themselves. You know, to combat racism and antisemitism, there is the French method is to prohibit all about. But another method is practiced by other democratic countries like the United States with the First Amendment.It is to say, we will give expression to views reprehensible, and, opposite, there are journalists who disagree with this statement. But I want to meet up to walk to these comments. The problem is that France, when you do this, it is pointed to by all sorts of associations "

After the notice of the CSA, Sud Radio Will it continue these programs free antenna or correct it? "We will continue to freedom of expression and we will enforce the law as I am working every morning easy payday loans. The CSA was entered on August 17 with a complaint about anti-Semitic words classified as Jean-Michel Larqué (on RMC, ed.) I do not feel that the CSA has already studied the issue. But with South Radio, 48 hours, it was folded. There are two weights, two measures. There are three of the band: RMC, Europe 1 and RTL that can be abstracted from the law, and small as Radio South who are beaten up.I think we should change the stupid laws in France that does not solve the problems of racism and antisemitism. For 25 years I say. In France, freedom of the press is corseted by laws unnecessary. "

The model of Robert Ménard is it the Fox News? "In the U.S., radio is a thousand times freer because it does not have this problem of law. In South Radio, we tried to invent something. "

With his arrival in Paris, Sud Radio plays big economically. That's why the station has taken as many risks. But if it increases the skids, the CSA may punish by removing the frequency Paris. Moreover, the allocation of this frequency has been challenged by RMC, Europe 1 and RTL. "It's been 25 years that I defend freedom of expression. I paid professionally. With RTL, this is wrong.I went on Sud Radio because it gave me a freedom that I have anywhere else. If this changes, I will not stay. I think, even if it bothers you, what is done in South Radio is a work of public safety. Finally, we give voice to the people. It serves no purpose to prohibit, we must fight. This is what I do every morning, telling listeners: this is not acceptable but I'll answer. "

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The social package is a kind of social contribution, which weighs on the amounts paid under the profit sharing, participation, savings and pensions pay extra. Paid by companies, was established in 2009 at a rate of 2%. He has since been increased by two percentage points each year by the government! The draft budget for 2012 should not be an exception to the rule cash advance. The increase of 6% to 8% could yield 400 million euros to Social Security.

Similarly, two other measures related to loss carry-on profits, have very likely to be retained in the austerity plan. The carry-back would be limited to one year. And regarding the carry forward losses from the profits would be capped. In Germany, the losses allocated may not exceed 60% of earnings in excess of 1 million euros.

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What was planned

In late June, the government thought it had completed the expenditure side of the budget in 2012. Apart from 30,401 job cuts in civil servants (to respect the rule of non-replacement of retiring in two), he foresaw no drastic measure. On the revenue side, the executive thought to stick to 2012 an increase of 3 billion euros of taxes.The measures passed in the fall of 2010 allowing themselves to raise $ 2.4 billion in 2012 (as on marriages and divorces, the solar panels, the plane niche), there were only 600 million small to find, mainly on fiscal and social niches.

The extra effort

In early August, speculation about the note of the French debt, and the publication of zero growth in the second quarter have changed the situation. The government announced Aug. 24 that he would introduce austerity measures complementary form of cuts in niches and expenditure savings. Measures that will be added so the plan stalled in late June. Given the number of the second quarter, many economists believe that French growth will not reach the levels anticipated by Bercy, 2% in 2011 and 2.25% in 2012.But it is not clear that the government revise its forecast from August 24. He fears that a premature review discourage households and businesses. The additional austerity measures could then be presented as a safety cushion. It evokes a total effort (including 3 billion already provided) between 5 and 10 billion.

The tracks for households

Arbitrations are not made but many tracks are on the table. The tax loopholes should have a new movement of the plane (that is to say, a lump sum reduction of the benefit), this time for devices on the income of 2012. Plane and 10% voted last year to 2011 revenues could be increased. "I especially hope that this plane does not, like this year, a score of niches, but more generally," said Philippe Marini, the UMP rapporteur of the Budget in the Senate one hour payday loan.His counterpart in the Assembly Gilles Carrez is on the same line. MPs also want to lower the overall ceiling of niches, now fixed at 6% of income over 18 000 euros. However, the idea developed by the UMP Jérôme Chartier limit to 50% of tax due from the advantage of niches does not seem to hold the rope. The niches on the overseas are in the spotlight, such as real estate. A lowering of Scellier to 15% in 2012 (instead of 18%) would be driven by Bercy. Alternatively, introduce a condition of income in the new interest-free loan, now open to all. He had already planned to eliminate discounts that apply to real estate gains (10% per year after five years), but only for undeveloped land for building. The system of all real estate gains could now be cured without jeopardizing the exemption for primary residence.Allowances on capital gains would also be looked securities. Gilles Carrez calls for taxation over the water, so each year of life. "This is something artificial, complex and betray the government's promise not to touch the life," Storm Bernard Spitz, the president of the FFSA (French federation of insurance companies). Finally, the government wants to tax the very high incomes. A track is preferred because it has the preference of parliamentarians: a new tax of 1% to 2% for annual revenues in excess of one million euros.

The tracks for business

The regime of worldwide profits (BMC) should be preserved. As the exemption of capital gains on the sale of subsidiary. "It is wrong to believe as Martine Aubry niche that weighs 22 billion. These cover 22 billion three years, "says one at Bercy.However, the carry back of losses could be limited to one year. Regarding the carry forward losses from the profits would be capped. Another idea: in the tax consolidation groups, 5% of the dividends would be taxed (whereas now they are exempt). Advantage of these measures: they affect large groups.

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The French, who represented 51% of customers last year came less numerous: the slight improvement in the economic environment has led them to more from the spring.In contrast, British and Italian clientele grew, encouraged by policies coming promotions more pronounced than last year.

The good weather has also contributed to the performance of Euro Disney. A pleasant weather naturally encourages visitors to stay longer in the parks. A plus for the restoration, especially at night. It also encourages the regulars in the last minute to finally take their ticket. Knowing that about 50% of French customers of Euro Disney lives in Ile-de-France, it is far from negligible.

"An incidence of 30% attendance"

The bad weather of July and early August this will inevitably impact on revenue of Mickey and, more generally, on most other amusement parks online payday loans. Euro Disney does not give a forecast for the full year.But the last quarter, the summer months, is the largest of the year. At the Compagnie des Alpes, which owns the Parc Asterix and Futuroscope, the last quarter of fiscal year (July-August-September) concentrates 50% of the business of amusement parks. A bad summer does not catch up. "July and August are the two biggest months of the year for the industry, insists Didier Arino, Chief of Staff Protourisme. Bad weather penalizes all parks outdoors, especially water parks Aqualand and as Walibi. Parc Asterix, which has a strong client focus, also suffers. Parks attractions offering coverage, such as Futuroscope, aquariums or Crocodile Farm, do better. "

According to this expert, the great advance made in the spring will allow the largest farms (more than one million visitors) to record another year of growth."But 2011 will not beat attendance records in 2010," he predicts, ensuring that "the weather has an incidence of 30% attendance at outdoor parks."

Already facing a strong seasonality of revenues, theme parks have so decisive a card to play in protecting itself further to the vagaries of time. But this represents additional investment. "Vulcania, for example, has developed a open air that did not exist at the start," said Didier Arino.