Benetton where history repeated scandals. There are a few more months, in November 2011, the Italian firm made history again by launching it's ad campaign "UnHate", featuring heads of state kissing low fee payday loans.

Alessandro Benetton, son and heir to his wife in 2006 in Venice.

Contrary to popular belief, it is quite possible to take out a life insurance contract on behalf of a minor child. Indeed, the prohibition of insurance death benefit over the head of a child under 12 does not apply to life insurance, accidental death which is merely incidental.

However, a certain formality must be observed. Indeed, if the child is under 12, signature of both parents is required for opening and administering the contract. If one parent is not able to exercise parental authority (because he was deposed or died), the guardianship judge must confirm this subscription.

The contract must have a fixed term, not for life. In practice, we may retain such a period of 8 or 10 years. The contract will anyway renewable annually thereafter.

Namely: by age 12, the child must give consent by signing the contract.

The beneficiary clause

Until age 16 the insured minor, the beneficiary clause can only be "my legal heirs." However, from the age of 16, the minor can write the beneficiary clause of his choice, within 50% of the contract value. Insurers in this follow the requirements of the Civil Code.

Life insurance has in this respect a great advantage. Indeed, it prevents the insured to dispose of its funds from 18 years of age, if his parents consider it necessary or desirable. Simply that the beneficiaries of the contract (ie the child's parents) accept the benefit. In this way, even his majority, the child can not withdraw funds without the consent of his parents.

Our advice is to avoid abuse, it is best to set an age limit (eg 25 years) and write this clause with the help of a notary no fax payday loans.

The power of the contract

Long-term investment, the contract of life insurance is ideal for building up capital to fund future education or entry into working life of the child. Accumulated savings being in his name, he will not be necessary to make him a gift: it avoids the payment of fees, at least until the contract is powered by small amounts.

Namely: Pour a donation of a life insurance contract does not relieve the duty of declaring whether it exceeds the framework of a simple donation of use.

Small streams by large rivers, it is advisable to establish a regular savings on the contract. The greater flexibility is allowed: it is possible to suspend, resume, increase or decrease payments freely.

On what media invest the savings?

Some caution is in order if of course the capital comes from an inheritance or gift. The European funds in this case is ideal.

However, if a regular saving is in place, it may be wise to invest some of the equity markets. This is especially true if the child is small: with an investment horizon exceeding sometimes 10 or 15 years, the potential market declines may be offset by gains. In addition, management options that offer the best life insurance now allow secure savings as needed.

Our advice: choose a flexible and scalable contract, so your child can keep when they become adults and take advantage of its prior fiscal.

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For 30 years, Ikea would have dreamed best advertisement. But a month after the revelation of illegal surveillance practices of employees and customers by Duck chained Mediapart then, the direction of Ikea France wants to show it has taken stock of the situation. Vanoverbeke Stefan, head of the French subsidiary of the Swedish furniture giant, yesterday presented its action plan and its working group to improve the image of the group being undermined by the discovery of internal mails mentioning the use of detectives private and the font file. Activities that led to Ikea France sidelined several top executives, including Jean-Louis Baillot, CEO of the subsidiary at the relevant time. "An internal audit by an independent firm has established that there had been research practices of information not consistent with our values. This is unacceptable and I regret it, "said Stefan Vanoverbeke. The current owner is careful however to discuss the future of the people involved to "preserve the presumption of innocence" and leave the floor of Versailles, seized by the CFDT union, do his job. "It is up to judges to say what is illegal or not. We just want to cooperate, "he said.

A pilot initiative

And as proof of his goodwill, Ikea France, which has already seen its headquarters raided and visited by the CNIL (Commission Nationale Informatique and freedoms) in its stores, plans to give the prosecutor the results of its internal audit. But it is mostly a working basis for a group of four managers responsible for "strengthening the values ​​and ethical standards." "It's not an excuse but it does not direct a company of 10,000 employees as a company that has only 500. The findings of the survey showed us that our way of working no longer fit our size, "explains Stefan Vanoverbeke.

Ikea already had a code of conduct but the group had been working to develop a global charter. Irregularities discovered in France gave a good boost to the initiative, even if the boss of Ikea France considers that there is "no reason to believe that such practices occurred in other countries where group is established. " No investigation has been carried out elsewhere. "France will be a pilot," he says. Beginning in June, the working group should thus be able to make concrete proposals for reforming corporate governance, support managers and staff, recruitment of technical change but also monitor compliance with the group values . "We developed this action plan because we want to act quickly to give answers to our employees, social partners and customers. But we hope that these answers are of quality, "says the CEO that all employees of the group can now contact directly by e-mail. For clients, Stefan Vanoverbeke remains attentive to comments left on forums where he received "varying degrees of concern." Not enough empty stores nor sinking sales, however.

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Determined to help the growth, in this election year, Republicans abandoned their zeal for deficit reduction. While the campaign for parliamentary and presidential undertakes November, Republican leaders of the House of Representatives agreed to a compromise that will cost nearly $ 100 billion budget for the current year.

This is extended through December of reductions in social charges weighing chiefly on wages. Some 160 million Americans benefit from this gift, supposed to boost consumption and sustain growth to be too fragile by Barack Obama. The average American will have 80 dollars a month more.

Rise of Barack Obama in the polls

Since December the right wing of the Republican Party, very influential in the House, tried to package this as looking for savings of an equivalent amount elsewhere in the budget.

The Republican retreat is the rise of Barack Obama in the polls thanks to recent signs of improvement in the labor market. He campaigned on the urgency of reducing taxes on the middle classes, while wishing to increase taxes on the rich. Maintaining a budget deficit greater than 8% of GDP this year, and about 5.5% of GDP next year, do not seem to scare the Americans, or on Wall Street, which is found even at its highest in seven months.

Unemployment benefits reduced

The compromise that should be passed by Congress this week also provides a progressive shortening of the maximum period during which the unemployed can receive benefits. It will increase from 99 weeks to 73 weeks now by the end of the year.

The Republicans would rather reduce the period to 59 weeks. In yielding on this point, they got the cost of this measure is funded in part by an increase in pension contributions for federal employees. In addition, the Republicans give up a projected savings in health spending.

The electoral climate that prevails in Washington is so tense that it is likely that once the tax package passed no important legislation can not move forward until December. It was at that time, and after that we know of who emerges victorious in November elections, as important decisions will be taken to respect the timetable set last year in budget savings.

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Specifically, this is to limit the payment of appropriations made to the public company for the loss of advertising revenue due to the partial shutdown of advertising on the main branches of the group since 2009. France Televisions already committed for 2012 to increase its advertising revenue from 410 to 425 million euros but also revert to the state 28 million euros in credits not used by the public group.

But the chairman of the Finance Committee would go further.

In the Middle Kingdom as in the rest of Asia, food is becoming more and more often on the go, bought in the shops that fill the streets.Or international chains of fast food like McDonald's or Kentucky Fried Chicken, which are present in large cities.

"The goal of Barilla is to be present in twenty years with an offer dedicated to Asia, which is consistent with the true Italian gastronomic tradition, says Guido Barilla. We look at different ways to adapt the offer to local habits with recovery modes that do not exist in the business portfolio of Barilla. "

Ready meals in Europe soon

Therefore no question of selling Barilla noodles Asian or to eat his pasta with chopsticks. The Italian group, which wants to reach consumers in major cities of the region is still at the beginning. He formed earlier this year a regional team of five people based in Singapore. He also sent ten people in Tokyo.All work closely with the headquarters in Parma.

In emerging markets, which account for only 7% of sales, Barilla also looking to South America. "Barilla is a family business, we are not pressed by the objectives of growth or profitability, says Guido Barilla. Our priority now is to install Barilla in new geographies. But we do not make shots. What matters are the group's financial stability and product quality. "

The internationalization of the Italian group has accelerated since the mid-1990s, when Guido and his brothers and sister took over the reins of the company at the death of their father, Pietro, grand-son of the founder.

After settling in France – its second largest market after Italy – and Germany in the 1980s, Barilla headed for the United States.Three years ago, he won first place in the pasta market. Barilla, which generates $ 500 million in sales in the U.S., it now holds 30% market pulp and posted growth of 4 to 5% per year. The Italian was offered four years ago a second plant in the country, near New York. The growth potential is enormous. If the Italians consume 27 kg of pasta per year per capita, Americans eat three times less …

Meanwhile, Barilla brand of pasta popular in Greece and Turkey. In Europe, where the group wants to expand its business scope, it introduced last year pasta with vegetables. This board today the launch of cooked pasta, bearing the signature of chefs.France, where the brand holds 20% of Barilla pasta market, would be among the first countries to sell this product.

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Before the Dreamliner, Boeing's cooperation with subcontractors, but former French was limited. "Boeing has opted for the CFM-56 engine, co-developed by GE and Safran, to equip its B 737 and he turned to Dassault Systèmes to draw the B 777," says Yves Galland, president and CEO of Boeing France."The implantation depth of French aviation has made possible and with as Boeing 787 B is increased from 2 to 14 partners meeting in the French Team Boeing. We now work with hundreds of French companies, "says the CEO.

When Boeing launched the program in 2004, he decided to review its parallel in industrial organization by giving up 80% of the unit to major partners. It launches international tenders and the French make a lot. Some drop their first contract with Boeing. This is the case Latécoère that provides long-haul passenger doors of (8 air).

"For the first time a French industrialist involved in the structure of an American plane," said Yves Galland. Once a foot in the door, Latécoère won a second contract to supply the cargo doors of the B 777.For his part, Messier-Bugatti a world first on an airliner: the design of the electric brakes B 787. "After winning the contract, Messier Bugatti was referenced on the B 737 to replace the brakes," said Yves Galland no fax cash advance. For its part, Labinal was selected for the wiring of the unit, or a hundred kilometers to install per machine. A particularly crucial position on the B 787 presented "as the more electric aircraft ever designed."Just as the power conversion system entrusted Thales was also selected for in-flight entertainment and integrated flight displays.

23,000 jobs created in France

A total of ten French companies, among which there are also Zodiac, which will provide 100% of the seats of 55 B 787 ordered by ANA and management systems and waste water and slides, Dassault Systems (Catia) Messier Dowty Michelin and boarded the program which counts 821 orders from 56 airlines.According to several experts, the B 787 alone should generate between 600 and 800 million dollars in sales per year for the French industrial partners.

In total, Boeing 787 and B have shown "significantly more" than $ 4 billion purchase of components and assemblies to the French aerospace industry, 80% are made in France. Of this total, $ 2.8 billion came from direct purchases. The U.S. giant has generated 23,000 jobs in France and half direct. "Boeing buys in France ten times more value than it sells," said Yves Galland noting that Boeing will be exported to France three aircraft this year.

The rise of French subcontractors will not stop there. The "Boeing French team" is growing to meet from 17 to 18 members by 2012.

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In fact, the time is right. The presidential campaign in full swing as early as January. Common ground between Democrats and Republicans are thus virtually impossible to find in March.

To appeal to conservatives, Barack Obama is wearing more than half of its plan to 447 billion dollars of reductions in charges paid by employees and businesses.By halving the payroll tax that finances the retirement program, Social Security, the President went even further than previously thought.

The issue of funding on hold

In the minutes after the speech, John Boehner and Eric Cantor, the two leading House Republicans, said they wanted to do that such measures are discussed. They do not want to obstruct all types of measures: their constituents are just as concerned about the risk of relapse into recession as the Democratic voters low rates payday advance. Other reaching out to Republicans: the promise to submit to Congress on free trade agreements negotiated for a long time with Korea, Colombia and Panama.

Finally, the issue of infrastructure spending, Republicans should also be attracted, even if the chances that they align themselves to finance projects rail transit are slim. Moreover, the proposed transfer of funds to States to preserve the jobs of civil servants might not pass Congress.

Then there is the crucial issue of financing of these measures. Barack Obama has stated repeatedly that they would all be funded. But he did not say how.

It should not provide details until next week, when finally published its plan for debt reduction over the medium term. The White House makes plans to finance these stimulus measures need to be involved in 2012, by savings in the longer term.Republicans, eager to reduce public debt now, will try to find savings elsewhere in 2012, to finance what they will accept the plan Obama.

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The new directive, which replaces a text dating from 1988, strengthens the regulation, including through improved product traceability. Each toy must now be accompanied by his "identity card".Which identifies the entire production chain, from raw material origin to the name of the toy factory where it was manufactured. As for the 'CE' (European Community), it must be printed directly on the product or its label and not only on its packaging.

"The goal is to enable consumers to find out where the toy," says Serge Milon, toy expert at SGS, the world leader in inspection and certification. Mistrust has indeed increased in recent years, the list of suspect products (cadmium, phthalates …) have ceased to grow.

The Directive also takes into account the changing attitudes of children. The markings were made more accessible by using shorter sentences and more punchy ("choking," for example).The new text drummed cards especially among manufacturers, distributors and importers in an area where more than three quarters of the products are manufactured in China. The responsibility for quality and safety, is now shared paydayloan. It no longer lies only to manufacturers.

An implementation guide accompanies the 150-page directive to allow decoding risk analysis, monitoring records … If some importers or distributors may prefer a blind eye to the origin of a particular toy, they could now show zeal. Some will have to conduct additional inspections. "This is monstrous files to provide our clients, Stéphane Azoulai sorry.Some signs are up again test the toys in the laboratory. "

Advantage given to European manufacturers

The cost of the new standards, up from 10% to 20%, also changes the game. It takes 1,000 to 4,000 euros per product, depending on its level of sophistication. Products stored for more than three years must also board safety tests. "When 150 references, it starts to do a lot!" Stéphane Azoulai plague. "These high costs lead us to limit the depth of our range, adds Thierry Bertoux, CEO of Jemini, the French soft toys and furniture for children. It is easier for a multinational company to amortize these costs over several million pieces. "

Some companies have chosen to transform their organization to adapt to the regulations.At Lansay, one person was previously in charge of standards and procurement. A team will soon be established.

If it is more restrictive, the new regulations, however, gives a competitive advantage to European companies, "insofar as it creates barriers to entry," said Thierry Bertoux. "Making cost could lead to compromise at the expense of safety, says Serge Milon. It is a way to make quality and safety of products up by applying best practices. "

In fact, it is especially risky assets, which suffer from fears of contagion cuts ratings of sovereign debt payday loan.Evidenced by the plummeting global stock indexes following the shock announcement Standard & Poor's. Over the past five trading days, the Cac 40 lost almost 8%, and the index companies were affected differently. These are "primarily growth stocks" that have suffered the most, says Patrick Artus, "since the fall of 2400 billion over ten years the U.S. deficit will cost a point of growth the first year." Over the period, it is almost 70 billion euros in market capitalization went up in smoke. The equivalent (almost) the biggest company in France, namely Total!

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