And if you serve coffee to your friends in cups carved your image? This is one of the original ideas of Sculpteo, a small French company decided to make 3D printing available to individuals. The principle is simple. Instead of ordering printing photos from a website, customers Sculpteo control objects.

The implementation is slightly more complicated. "The models are printed layer by layer. Depending on the technology, a laser or ink solidifies the form, "says Eric Carreel, one of two founders of the company. Instead of projecting the ink on paper, the laser or ink solidifies material (depending on the type of printer), layer by layer, until achievement of an object. The printer also handles hollow and customers have a choice of materials for their objects. Polyamide, silver coated plastic, resin or ceramic same, depending on the record that is desired and use of the object.

This technique produces objects singly or in small quantities at a reduced stroke. No need to design a mold to produce a matrix: the object is directly "printed", carved in a way, at the request. After downloading the application Sculpteo on iPhone, just select a design, take a picture of someone in profile for the latter appears in relief on a mug, a vase, the hull of his iPhone online payday advance. A ceramic mug in his image costs 39 euros. And from two classic photos, a front, side profile, it is possible to generate a three-dimensional, for example, make a figurine in his likeness, for 60 euros (30 euros and for the following copies ).

Scan the real

"Are emerging more and more devices that can scan the real," says a spokesman Sculpteo. For example, with the Kinect or applications on smartphones, it will be possible to generate easily 3D files and from there, easy ordering of objects. So far this type of technology was reserved for professional use. 3D printing, which is still in its infancy, was mainly used to make models, small series, industrial prototypes. U.S. giant HP also is interested in this market. It also offers prints in 3D, but only for professional use.

Models can be made from CAD files, which "lets you go from design to the object without having to make a mold," says Jean-Paul Alibert, in charge of printing at HP France. The possibilities offered by 3D printing are virtually endless. It can be used to produce a model of engine, or that of a city. All at a very low cost.

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"The photo found its mark

In the wake of its entry in the booming mobile market, Free Mobile revealed it had won 2.6 million customers in late March, while Orange was losing 615,000, 620,000 SFR and 89,000 MVNOs. "Never an operator has won as many customers in as little time," said Xavier Niel, founder and owner of Free.

The small sign operator and a great commercial success and won the bet he had set himself. Indeed, he won 4% market share on the mobile in 80 days. Its goal is eventually to have 25% market share.

Satisfaction is complete for Xavier Niel, especially as Free has received the "halo of mobile" on its activities as a fixed, where it now exceeds 5 million subscribers: he recorded a 50% market share recruitment broadband in the first quarter of 2012 and its activity is fixed in 9.8% growth over the quarter. Leaves to change operator in the mobile, and to benefit from even better prices, some customers were quick to switch their internet subscription and exchange their old box against a Freebox.

Impact difficult to quantify

Remains now is whether this success will continue over time, while competitors such as Orange, SFR, Bouygues Telecom and Virgin argue that the bleeding has stopped customers since mid-March and they recover even customers parties at Free.

Free, which shows a quarterly revenue up 29% to 656 million euros, did not give the average revenue per user (ARPU), a key figure in the telecoms field. He simply said that customers were divided "balanced" between the subscribers of a subscription to two euros and those who opted for a more profitable subscription to 19.99 euros a month.  

Therefore difficult to measure the impact of the launch of Free Mobile on the margins of the operator. "The quality of the distribution of offers within the mobile subscriber base is evidence of a sustainable business model and economics," Free said simply. In sales, the mobile has generated 97.5 million euros, of which 11.5 million euros from the sale of terminals and 86 million for the telecom services business. The set weighs about him almost 560 million euros.

The French group, co-leader of the global wine and spirits, has lost his latest appeal yesterday in the battle between the past twenty years at rival Bacardi. Pernod Ricard can not use the Havana Club trademark in the United States, world's largest market rum (40% of sales). Held by the Cuban state, the famous rum is sold in 120 countries around the world by Pernod Ricard.

The U.S. Supreme Court refused yesterday to consider the decision to an appeals court in Washington in 2011 that had impeded renew the Havana Club trademark in the United States. And, under a 1998 law, also called "Bacardi Bill". The French had seized earlier this year the U.S. Supreme Court in hopes of finally succeed. "We are victims of something unjust, said yesterday at Figaro Pringuet, CEO of the group. This is equivalent to changing the rules in the middle of the match. "An allusion to the retroactivity of the law, in theory contrary to the U faxless payday advance.S. Constitution.

A bitter defeat for Pernod Ricard. He sees close the doors of the United States while global sales of Havana Club have increased tenfold over the last eighteen years. But the French did not admit defeat. He is preparing for the next battle. Impose the Havana Club trademark in the United States when lifting the embargo will be imposed. Bacardi sells rum discreetly in Florida also called Havana Club, manufactured in Puerto Rico, is in ambush. Pernod Ricard does not intend to let its competitor the right to enjoy the international reputation of the brand, built over several decades. He therefore announced yesterday that he would file the trademark Havanista replica of Havana Club. Insurance for the French to cut the grass under the feet of Bacardi in due course.

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China and South Korea will kick off Monday, May 14 negotiations to conclude within two years of a free trade agreement between the two countries.

The two vice-ministers of the file, and Jianhua Yu Choi Seok-young, will meet in Beijing for setting a timetable. Korea has high expectations. Trade between Seoul and Beijing will reach $ 300 billion in 2015. They rose 19% last year and China represents 24.1% of foreign trade of South Korea.

But it complains about the free trade agreement signed in 2010 between China and Taiwan who, she said, penalize its businesses. Reductions in customs fees it authorizes have allowed Taiwanese firms to save $ 225 million between March 2011 and March 2012. And only during the first quarter of this year, they managed to save 102 billion dollars more. Suddenly, they are more than 3300 to have applied for accreditation to benefit since January, 1100 against the same period last year. Taiwan and attracts more and more investors from mainland China.

Today, Saturday, May 12, Chinese Minister of Commerce Chen Deming and his South Korean counterpart, Bark Tae-ho, are found, also in Beijing, this time with Japan, represented by its Minister of industry, Yukio Edano.

"Chiang Mai Initiative"

They should sign an investment agreement to three. Last week, they decided to increase to 15,000 billion to their potential for cross-borrowing in the future, and to double to 240 billion dollars of financing capabilities called the "Chiang Mai Initiative". China, which represent almost 15% of the volume of world trade, will take the opportunity to weigh more on the regional chessboard.

Japan has understood and does not put all your eggs in one basket. While Yukio Edano discuss with Chan Saturday Deming, his country seeks to approach the United States and their transpacific agreement, which includes including Singapore, Australia, Malaysia, and which could also join this year, Canada and Mexico . "That's where our real interest," recently told Professor Tomohiko Taniguchi, responsible for rebuilding the country after the earthquake of March 11, 2011.

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As required by law, the new president had to itemize all of its assets and will file declaration with the Constitutional Council. This inventory is published in the Official Journal on Friday, along with the official results of presidential elections. With 1.17 million euros, François Hollande does not reach the threshold of the solidarity tax on wealth (ISF), set at 1.3 million euros since the reform passed last year. Despite the tax reform announced by the end of the year, according to Les Echos, it should also continue to escape the ISF. Theoretically the reform, announced, should lower the threshold for paying tax. People whose assets are between 790,000 and 1.3 million euros should nevertheless be exempted. The ax will fall for households reporting more than 1.3 million that will be levied on the value of their assets in excess of 800,000 euros.

Property assets

The assets of the new president are essentially real. Francois Hollande said and own a home in Mougins (Alpes-Maritimes) worth 800,000 euros. The property acquired in joint with his former partner Ségolène Royal, it is now completely since their separation in the wake of the 2007 presidential election cheap pay day loans. It is also partly owns two apartments in Cannes where his father lived George and his brother Philip. The value of these two housing is estimated at 370,000 euros. Francois Hollande said also possess various furniture for 15,000 euros.

Hostile to finance the new president does not have publicly traded securities. It has no collection, no jewelery. Euro 3550 are deposited on a life insurance policy at Societe Generale, and it also has three current accounts payable of EUR 4960.73, 2790.65 and 508.20 euros euros at the time of the declaration on March 15. The document also reveals that François Hollande has five loans contracted since 2000, and still has to pay over 255,000 euros to its creditors. At the same time, the outgoing president, Nicolas Sarkozy, had for his share of an inheritance of about 2.7 million primarily as life insurance.

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The return of Britain in recession for six months proved carries with it a drain on the financial sector. Employment in the City is at its lowest since 1996. The forecasts from the Centre for Economics and Business Research (CEBR) for this year have been revised downward, to 255,000 jobs, or nearly 30,000 less than expected six months ago.

In total, 100,000 jobs have been sacrificed in the financial market since 2007. All banks and other financial institutions led carts regular layoffs in recent months.

"The weak economic situation in the UK and the euro area, as well as the continuing banking crisis for the decline of activity," explains Rob Harbron, the CEBR. The organization also sees a gap in competitiveness between London, subject to an "aggressive regulation and high taxation", and Asian financial centers thriving.

Unemployment higher in London than in the rest of the country

The weakening of the dreaded City may have repercussions for the economy of the capital and across the country, deprived of tax revenues. It is generally accepted that finance represents 10% of UK GDP and 20% of the activity in London. "This means that this sector has helped the recovery of London after the 2008-2009 recession could now restrain future growth," says the CEBR no fax pay day loan. The level of unemployment in the city, above the national average, should continue to increase for two years, peaking at 10.7% in 2013.

London Mayor re-elected last week, Boris Johnson, an ardent advocate of the City, knows the task ahead. Despite the blare of the royal jubilee and enthusiasm of the Olympics this summer, he will have to "manage the consequences of downward revisions to growth and find ways to stimulate the economy while strengthening the social distress caused by higher unemployment in the capital. " If repeated during the campaign commitment to create 200,000 jobs during its new mandate, it is unclear where he will be able to find them.

However, a weak recovery in finance should occur as early as next year to reach 268,000 jobs in 2016, a level that will remain historically low.

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According to Francois Hollande, the fiscal adjustment will be based mainly on tax increases. In fact, taxpayers will have no respite. In the wake of legislation, Parliament will be convened in special session in July to consider a financial text containing the "promises" of tax candidate. Which will cost nearly $ 14 billion to households.

The upper middle class will be particularly punctured. For the fiscal shock will not be limited solely by the imposition of 75% of annual revenues exceeding EUR 1 million, a measure involving fewer than 10,000 taxpayers.

A litany of tax increases, affecting hundreds of thousands of households, will be introduced. The niche for home use will be cropped: the tax credit from 50% to 45% of wages paid. In addition, all tax loopholes as a measuring rod will lower: the overall ceiling is fixed at 10,000 euros per year per household. The menu also, an additional tax on income to 45% for annual incomes exceeding 150,000 euros per share. Investors, they will see the taxation of capital in line with that work.

Unraveling reforms

The new executive will also affect the wealth tax, highly symbolic to the left. Francois Hollande wants to return to the old scale of the ISF, much heavier, which was in force before the reform of 2011. The only consolation: households with assets of less than 1 no fax cash advances.3 million euros will remain exempt. This increase in the ISF come there in force this year or in 2013? The issue is not resolved. The unraveling of the reforms of the previous government did not stop there. Nicolas Sarkozy had lightened inheritance taxation, the new government will benefit from the bill in July to add something, especially by bringing 159,000 to 100,000 euros of the allowance per child.

In the same vein, the president-elect will remove the key measure of "work more to earn more" overtime exemption. Yet this decision will penalize low-income households … Finally, Francois Hollande will end the social VAT before it has emerged. VAT will remain fixed at 19.6%. Business side, the program is also provided with a bill of more than 28 billion: modulation of corporation tax depending on the size of the business and profits redistributed, recalibration of the reform of business tax, cuts in the niches. Again, these measures will be included in the bill in July. The new president will pass a law on decentralization in the fall, which will involve new tax changes.

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"Vote and go anyway!" Displays the travel agency Nouvelles Frontieres, "Vote by proxy and win a free night for two nights and get" diffuse the tourist office in Les Sables d'Olonne, "Voting is open its mouth but better "placards at all is a sign of fast food in ten different languages, while the ski resort of Chamrousse proposed his" ski pass citizen "and that the General Council of Essonne offered tickets to a rugby match to persons who have completed their duty to vote. In short, all the slogans that incentives, like ideas, no lack of originality in recent weeks. The objective is twofold: to reduce abstention but also generate additional revenue, or at least ride the wave of presidential elections.  

When the ballot becomes a ski day

The tourist office in Chamrousse (Isère) has understood that he had a vested interest in dragging this track one: "We decided to align the end of the ski season with the day of the first round of presidential elections , by implementing a package to a Euro on presentation of the electoral map duly stamped "says Medhi Kerbati, director of the tourist office. Obviously, he had to get up early to vote at a time and enjoy a sunny day of skiing. The Director welcomes further: "In 2007, we sold between 300 and 350 pass the same day, while on Sunday we have been almost 4,000 packages a day, including 2800 'skipass citizens'." Therefore a boon to the small station with 90 km tracks. It would be even one of the best days of the season.  

Discounts or freebies appreciated

In Roubaix (North), fast food Burger Food Familiy partnered with the association "Brigade civic action" to grant 10% discount for two rounds of elections, upon presentation of the electoral map stamped. The manager, Ahmed Meguedmi, was very satisfied with the effects of operation: "We found that customers who were not usually crossed our doors, especially young people, but our clientele is 80% family time normal. On April 22, traffic on our restaurants increased by 30-40% compared to other Sundays, "he says. An approach more citizen when one remembers that Roubaix had obtained the record abstention in the first round of regional elections in 2010, over 71%. In the first round of this year's presidential, abstention remained high at 31.43%.

In the wake of the fight against abstention, in Arles and Aix-en-Provence (Bouches-du-Rhone), the taxi company and Co-bikes Taco has offered to the two rounds of elections free transport customers to their polling station. Was free from 8h to 13h, and the operation has been very positive as explained Aldric Monteux, co-manager of the company: "We were able to combine a citizen but also environmentally friendly, while trying to reduce the abstention. We have carried twenty, or forty trips. This was especially the elderly or people then cut transport, which would probably not displaced. "  

Campaigns sometimes left fallow

Another tourist office, that of Les Sables d'Olonne (Vendee), capitalized on an extended operation on the four weekends of presidential and legislative elections, of offering a third night for people who have established an attorney. In agreement with a dozen providers, the business case put forward here is quite as indicated Dixte Mathieu, marketing manager of the site of the tourist office: "We launched the operation on March 28 because not only the elections Presidential is a drag but tourism and more at this time we still see a drop in attendance of around 15-20%. It was a way to both promote our destination, and encourage people to vote. "  

The only cloud on the table: because of bad weather, the impact has been almost nil, although the website of the tourist office in question recorded an increase of nearly 17,000 visits over the same period (March 24 to 23 April) compared to last year. The operation, in turn, drained 1600 visits since the beginning of the operation.

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Rampant privatization, premium given to the giants of BTP to the detriment of SMEs: the left, the public-private partnerships (PPP) were not good press. Ten days ago, Alain Rousset, in charge of industrial affairs in the team of Francois Hollande, has yet launched a charge against such contracts where a private company built or maintained, public infrastructure and receives in exchange for a rent decades of state or local sponsors.

Field, however, the situation is very different. In March, the General Council of Seine-Saint-Denis, chaired by the Socialist Claude Bartolone, decided to build 12 schools, eight sports, five kitchens and a boarding PPP. An investment of 323 million euros. And if one of the pioneers of the PPP was the Loiret, led by Eric Doligé UMP, many elected to the left followed. The General Council of the Hautes-Pyrenees PS built in PPP broadband network, its counterpart on the left of the Tarn-et-Garonne bridge. Even the Allier, led by Communists, has called on the PPP for the circumvention of Vichy. As for cities, the PPP is just as transpartisan. The urban community of Lille PS was chosen for its large stadium. "Do not be dogmatic but compare each time the cost of the PPP and the cost in the conventional system, where the community borrows to finance the project and is responsible for maintenance," says Claudy Lebreton, the president of the PS Assembly of the departments of France (ADF).

Saves time

PPP, the chosen company must often go into debt to finance the project. Problem: it does at a higher rate than communities. She must also pay the shareholders. But these additional costs can be offset by operational gains. By choosing a PPP, it is not necessary to make a tender for each provider and the execution is supposed to be more effective. In short, it is faster, which is a source of savings. "In a conventional procedure, we build two colleges in five years. PPP, six colleges will be ready for the start of 2014. Students in Seine-Saint-Denis will be welcomed into the local final, saving the cost of precast, "explains Jean-Luc Porcedo, the chief of staff Claude Bartolone. Which emphasizes that local SMEs work in subcontracting. "We save 20% to 25% on a PPP project. The PPP also enables our staff not to manage complex technical issues, such a bridge, "says Marc Gaudet, vice president of the General Council the right variety of Loiret, who chose the PPP for 12 relief centers , seven colleges and a bridge. "A quorum will be renovated in classical procedure, because this site showed no urgency," he says. "At a time when banks lend us little, PPP projects can start," says Jean-Luc Porcedo. On this point, associations of elected officials are sounding the alarm. "The PPP engage communities for years. This is debt, "recalls one to the Association of Mayors of major cities in France (AMGVF).

Major point, border communities have contracts. The slippage of some PPPs such as the South Ile hospital proves. The public-private partnership is a tool, not a panacea.

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Another blow has been struck at HSBC famous file listing 3000 French taxpayers with a hidden account in Switzerland. Brandished a file in August 2009 by Eric Woerth, Minister at the time of the Budget, as weapon against tax evasion. Wednesday, the Swiss authorities have confirmed information published on the website of the Nouvel Observateur that the file has been modified from when it was recovered and returned to Switzerland a few months later. "Analysis of the material by the Federal Judicial Police has shown that data had been changed since there were differences between the contents of various files sent by the French authorities, when they should be similar in all respects" said Jeannette Balmer, spokesman for the Ministry of the Attorney General (MPC) Helvetic.

The Budget Ministry, we do not comment this point. But it emphasizes having worked in the state of the art in France, "which have made no changes to the file forwarded by the judge guaranteed high risk personal loans." For Bercy, the fact that 3000 people have been singled out, but the file contained 8000 lines, explains: "These lines 8000 to 6300 corresponded taxpayers living in France, a person may be affected by several lines. Of these 6300, over 3000 had closed accounts or assets to zero. That left taxpayers with 3000 active accounts. "The ministry said there would be no names deleted from the list.

Nevertheless, this file appears increasingly fragile. In France, the Court of Cassation quashed a search of tax against a member of the HSBC list, because the file had been stolen. In this case by Hervé Falciani, a former employee of the bank. That while the IRS has launched tax audits on the 3000 list of names. Control which he expects nearly a billion euros in revenues.

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