The pub, some question its effectiveness. No jurors Effie Award, which annually recognizes the most effective campaigns. The 28 award-winning devices (11 Effie gold, 11 silver and 6 bronze) for the eighteenth edition are no exception to the rule.And they are all the more commendable that they worked at a time when every dollar invested in communications account, and that, at the same time, the level of phobia is high.

While creative advertising agencies are competing for the creative awards (Cannes Lions, Art Directors Club …), the trading them, and their advertising clients prefer to get a price Effie, synonymous with effectiveness measured, proven and proven to a jury of twenty professionals (advertisers, agencies, media, research institutes), chaired this year by the president of Ipsos, Didier Truchot.

For the first time in its history, the awards reward campaign B to B (that is to say for professionals) conducted by the agency Leg (Havas) to SFR.

Late fees; car payments, an unexpected hospital visit. Those are legitimate reasons to secure a fast cash personal loan.

Findus is about to change hands. Three years after buying the French leader in frozen, its owner, Lion Capital, calls into sales. The investment fund, which has got hold of last year's Frozen Picard, is given two months to complete the transaction. He has hired investment bank Rothschild on this issue. Two candidates were nominated.

After writing last week in the management, staff representatives will be received Monday morning in Noisy-Le-Grand, at the headquarters of Findus France as part of a central works council (CEC) extraordinary. A representative from the shareholder will also be present. The sale of Findus would have to be formalized.

At Boulogne-sur-Mer, where the factory is located in the French group, employees are in shock. In late July, announced with great fanfare Findus have "saved" in extremis its plant relocation.Lion Capital had then committed $ 11 million in three years and create fifty jobs. This allowed to increase by 25% the production capacity of the plant, which manufactures the famous Croustibat breaded fish sticks.

Sales growth of 8% in 2011

At a time when the group is about to change hands, its French subsidiary has never paid as well. In early September, its chief executive, Matthew flaps, which took over in 2005 and recovered the activity, anticipated sales growth of 8% in 2011. Findus France, which is given five years to grow 50% this year should exceed the threshold of 200 million euros. The group, which launched eleven new products in September, also plans to invest the radius mellitus.

He also removed the last year of palm oil revenues apples hazelnuts and other breaded fish.The dynamism of the business, coupled with the withdrawal of Nestlé (Maggi) radius frozen, Findus allowed to steal first place in the Hexagon. The radius of the frozen ready meals, it is nonetheless the third, behind Maggi and Mary (LDC).

In France, Spain, Britain and Scandinavia, Findus is not his first change of ownership. In 2000, Nestlé had sold the specialist frozen Swedish EQT fund while retaining a portion of the business, now sold under the brand Maggi Frozen. Six years later, Findus was found in the bosom of another fund, Capvest. Lion Capital is offered it in 2008 by paying 1.2 billion euros. This allowed him to bench other funds, Permira and BC Partners, which could again review the case.

This is the new fad on the web. Vestiairedecopines.com is the top site that enables passionate fashion to sell part of their wardrobe to help buy other items. This site, created two years ago, has already brought together a community of 600,000 members connected in a vast social network.

Today, advised by Clipperton Finance, the site raises 7.5 million euros to the U.S. investment fund and its shareholders Balderton Ventech history. This capital value to the site between 20 and 25 million euros. On that occasion, Bernard Liautaud, a partner at Balderton Capital and former founder and CEO of Business Objects, will join the board of vestiairedecopines.com to advise the company in its international expansion.

"Vestiairedecopines.com experiencing very strong growth driven by the community.On the site, we selected 45,000 articles fashion products, clothes, shoes, shoes, accessories are discussed live by the community before being purchased. When we receive the product, we inspect its condition before shipping to the buyer. Nearly 200,000 items were circulated in 2011, representing between 350 and 400 orders per day package. Our business volume in 2010 represented 3.3 million and we expect to increase this volume by 4 in 2011 to 12 million and it should still be multiplied by 3 in 2012, "explains Sébastien Fabre, co-founder of the site and CEO.

If the site is also available in French, the community, it is already international in 17%.Mainly British and Germans who come to the French fashion articles and advice from members.

Britain and Germany

Vestiairedecopines.com is going to quickly open a site in English and in German by the end of the year, while centralizing the packages still in France. In the longer term, the site will address the United States by implanting a logistics service. But before considering expansion abroad, it will have to change its name, is certainly very vestiairedecopines.com French, it is unpronounceable in English!

The U.S. stock markets still grind of black Monday. In early trade, the Dow Jones lost 1.08% at 10,879 points, the Nasdaq 0.68% to loose 2451 points and the S & P lost 0.95% to 1143 points.

Investors in Europe, in Asia and the United States fear that Greece is not able to meet these budget commitments, which threaten to bankrupt the country and aggravate the crisis in Europe. The German Minister of Economy Philipp Rösler has also not ruled out a bankruptcy ordered Greece to save the euro.

These uncertainties weigh heavily on European banking stocks, weighed down by their exposure to sovereign debt but also by fears about their solvency and funding.Specialists in Harbor Advisory today "Wall Street will evolve with European banks, whose main problem is exposure to sovereign debt."

United States, Barack Obama will submit to Congress today plan to revive the economy and jobs announced Thursday, said on Sunday a senior White House. The President will renew his call "to Congress to adopt this bill, which contains the kind of proposals to grow the economy and create jobs."

Week is low in business results – the retailer Best Buy and diverse manufacturing Pall is the only component of the S & P 500 to publish figures – investors will focus primarily on a series of macroeconomic indicators.The latter include retail sales, the producer prices and consumption as well as statistics on the manufacturing sector.

Note, however, leading indicators of the Organization for Economic Cooperation and Development (OECD) published this morning, reporting a "slowdown" of the world's major economies.

The euro and oil fall

In the wake of renewed tensions, the euro fell against the dollar, the euro remained sharply lower against the greenback Monday, falling below $ 1.35 even briefly, as a result of a new access market panic response to the crisis in Europe. Mid-session in Paris, the single European currency was worth 1.3603 dollars against 1.3649 dollars on Friday night. Earlier, the euro fell to 1.3495 dollars, its lowest level since Feb payday advance online. 16. The euro also fell to its lowest level in a decade against the yen.The euro bought 104.64 yen against 105.91 yen Friday. In the early morning, the euro fell to 103.90 yen, its lowest level since June 2001.

Under pressure from a stronger dollar, a barrel of oil has also dropped on the ground. In electronic trading in the morning, a barrel of "light sweet crude" for October delivery lost 1.23 dollars to 86.01 dollars per barrel of Brent North Sea crude for October delivery at $ 1.02 111 $ 75.

Values ​​to follow

The side of values, the French group Technip Engineering said Monday the acquisition of the entire capital of the U.S. Global Industries (51.36% to 7.80 dollars), a specialist oil services submarines, on the basis of a valuation of $ 1.07 billion (770 million).Technip will pay $ 8 cash per share, Global Industries, a premium of 55% over the closing price of its prey Friday night on Wall Street.

For its part, the online retailer Amazon (0.88% to 213.26 dollars) would be in discussions with publishers to launch a book rental service digital subscription, said Sunday the Wall Street Journal in its edition line.

After the unexpected departure of the patron saint of Internet giant Yahoo!, Carol Bartz, rumors of a union between Yahoo! (-2.21% To 14.16 million) and AOL (-2.72% to 14.32 dollars) have resurfaced. The CEO of the Internet service provider America, Tim Armstrong, have consulted with investment companies to test investor appetite for a reconciliation between the two groups advance Bloomberg.Tim Armstrong become the leader of the group.

For his part, Hertz Global (-2.54% to 9.58 dollars) has extended the date of its offer for Dollar Thrifty (-1.22% to 64.08 euros) Automotive Group (DTG) until November 1 .

Wynn Resorts (3.04% to 153.25 dollars) through its subsidiary, Wynn Macau has announced the acquisition of land over 20 hectares to the government of Macau for approximately $ 193 million. The plot, located on the Cotai area, should allow the development of a resort and recreation.

Despite the efforts of the Swiss National Bank (SNB), the Swiss franc continues at a rate of 1.13 per euro. With a 13% increase since January, surging currency weighs on business competitiveness. In June, exports fell 8.2% and growth forecasts were revised downwards: the State Secretariat for Economic Affairs (Seco) now expects GDP growth of 2.1% in 2011 and 1.5% in 2012.

These figures are higher than those of neighboring countries of Switzerland. But the SNB, under pressure, has nevertheless agreed to increase the liquidity of the franc in order to limit the damage. Criticized by the press for its inaction, the Minister of Economy, Johann Schneider-Ammann, announced last Thursday that it would inject 2 billion francs in the economy, particularly in the tourism sector particularly hard hit.It will also strengthen the law on cartels and improve competition in the Swiss market.

These measures also aim to improve the climate for consumption, which suffers from the strength of the franc. According to Seco, consumer confidence has lost 27 points since January. Estimated Customs Geneva unveiled yesterday by the Radio Suisse Romande, the Swiss are 20% more than in 2010 to fill their carts in France. To build customer loyalty, thus increasing the Swiss supermarket promotions: "Up to 20% discount on 500 articles!" Announces the Migros. The group's logo is orange to lower prices of products manufactured abroad, like Ferrero chocolates or freeze Studio Line (L'Oreal). With its direct competitor, the Coop, the watchword is the same.

Some suppliers lower their prices

These marketing efforts are no coincidence.The decline of the euro has put a spotlight on the high cost of living in Geneva or Zurich. At the time of checkout, consumers are not fooled. They are willing to pay more for fruit and vegetable quality local, but blame the distributors not to reflect the decline of the euro on imported goods no fax payday loan. "Of course, we have higher wages than the French, says Ursula, a young grandmother who is shopping the shelves of Migros. But they exaggerate! While I often do my shopping in Evian, where everything is half price. "

Labelling Helvetian, prices are high. Per kilo, the Spanish ham is 43 euros and tomatoes (medium quality) to 3.30 euros per kilo, which is double the rates charged in the Hexagon. In bookstores, a recent book sells for the equivalent of 35 euros, against 21 euros in France.

"Foreign manufacturers have a simplistic argument.They say that the Swiss have money, so they can push up prices, says Mathieu Fleury, Secretary General of the Federation Romande consumers. In addition, the market is dominated by Helvetian a duopoly that has stifled competition by preventing settling including Carrefour. Result: The Confederation is an island of high prices. "For him, no way to align prices with those Swiss French, as the land of William Tell, payroll taxes are more important. But "the difference must be made on objective criteria."

As a cons-attack, retailers have returned the ball to their brokers, importers. The Coop was the most virulent: August 14, it removed 95 items from its shelves in that the marks concerned did not want to stress price."The boycott has already borne fruit: several international suppliers has granted reductions that allow us, from this weekend to launch the new price cuts on 700 items," says Urs Meier, spokesman for the Coop. This firm has finally convinced the brand Uncle Ben's, the rice was boycotted, to lower its prices by 10%.

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The Paris Bourse is expected to remain in the green Monday holiday of the Assumption. In any case, as indicated by the futures contract on the CAC 40 rose by 1.04% to half an hour of opening. Investors present therefore decided to continue the rally began Thursday and extended last Friday. This growth mirrors that of Wall Street Friday and Asian markets this morning. In Japan, the Nikkei closed on Monday and a net increase of 1.37%, Hong Kong climbed almost 3% to 1.21% and Shanghai.

"Many operators will undoubtedly look forward to a quieter earlier in the week after the extreme volatility of recent days," said Cameron Peacock, an analyst at IG Markets.

Until Tuesday's meeting

The markets also seem to look forward to the outcome of Tuesday's meeting between French President Nicolas Sarkozy and German Chancellor Angela Merkel.They must discuss reform of the governance of the euro area, sensitive issue for the markets. The Franco-German promises to make such joint proposals by the end of the summer Payday advance. Investors are calling for the creation of "Eurobonds", which would sign the pooling of public debt in the euro area. But Germany seems to be opposed. The discussions will be closely monitored on both sides of the Atlantic.

In addition, the European Commissioner for Economic Affairs Olli Rehn today called on European countries to adopt "very quickly" the decisions of July 21, and provided that the applicants were working "day and night" to this.

The U.S. housing market under the microscope

The next publication, this Monday will be very light. On the agenda are the indices of activity of the New York Fed and the real estate market across the Atlantic.

On the corporate side, Societe Generale will be followed. The Financial Markets Authority (AMF) initiated an investigation of market rumors that circulated this week on Societe Generale, announced Friday its president Jean-Pierre Jouyet

Zero growth in France. The economy has not taken off in the second quarter, remaining at 0%, after a rebound of 0.9% over the first three months of the year, according to INSEE. Consumption, traditional engine of the French economy, fell 0.7% after 0.4% in the first quarter.

Business investment continued to support the activity, but less than at the beginning of the year: they slow down to 0 no fax pay day loan.9% after 1.2% previously. In total, business demand and household crippling growth, observed INSEE.

Foreign trade, for once helped save the furniture. But only because imports fell (-0.9%) than exports, remained stable (0%). "Therefore, the trade balance contributed positively to GDP growth (0.3 -0.5 point after point)," notes INSEE.

Wall Street starts again in the red on Tuesday. In early trade, the Dow Jones lost 0.57% at 12,063 points, the Nasdaq 0.51% to loose 2731 points and the S & P drops 0.69% to 1279 points.

The opening is dominated by pessimism as consumer spending of U.S. households fell against all odds by 0.2% in June, posting their first decline since September 2009. Economists surveyed on average expected a rise in expenditure of 0.2%.

The expected green light from Senate Tuesday evening

Concerning the agreement on raising the debt ceiling, the doubts persist. "Some have pointed to the fact that the rating agency S & P claimed four trillion dollars in deficit reduction over 10 years against only 2.5 trillion currently being negotiated by members, analysts said Aurel BGC.Maintaining the "AAA" is far from being elected … Many skeptics have left open the possibility of adoption of this agreement by the Congress. "An expected adoption tonight. The Senate must decide, in fact, after the House of Representatives that preceded it from that Monday night.

"I think the show we attended in Washington, a significant number of parliamentarians of this country leaving the threat of a default, really made a lot of damage to the confidence" of investors in the economy American, for his part, said U.S. Treasury Secretary, Timothy Geithnern, on ABC.

Oil side, the opening of the Nymex, oil prices melt, due to poor statistqies the day, who fear a future decline in demand.To 15 hours, a barrel of "light sweet crude" for September delivery was trading at 94.36 dollars, down 53 cents.

Results of companies to follow the corporate side, several major publications are planned this week, starting on Tuesday by Pfizer (-1.05% to 18.81 dollars). The group released better than expected earnings for the second quarter, the jump in sales of animal health products offsetting lower sales of drugs, the heart of the business group.

Google (stable at 606.71 dollars) this weekend began testing a new service, "Google Hotel Finder", dedicated to finding hotels. Positioned competitor specialized sites like Hotels.com "Hotel Finder Google" is used to search the dates of their choice, depending on the number of stars of the institution and the average scores given by customers.

Hewlett-Packard (-0.48% to 35.03 dollars) has decided to drop now $ 50 U.S. price of its new tablet, the TouchPad. This rate adjustment, presented as a promotion valid until September 10, is valid until September 10.He places the version of the tablet features a 16GB storage to 449.99 dollars, and the 32 GB to 549 dollars, just one month after the beginning of the commercialization of TouchPad.

Coach (-4.72% to 62.31 dollars), a leading U.S. brands of accessories, recorded a jump of 24% of its annual net profit in 2010-2011 (year ended July 2) at 881 million dollars, and expected to grow over 10% in the future, according to a statement released Tuesday.

Hyatt Hotels (1.96% to 39.52 euros) announced earnings for the second quarter better than expected, while saying he intended to open a number of "significant" new hotels in the future.

GM (-0.79% to 27.87 dollars) for his contact in the afternoon the numbers of sales in July.

Raids by giants of video games on small publishers are ongoing.After the announcement of a Memorandum of surrender by PopCap Games Electronic Arts (0.32% to 22.02 dollars) and the acquisition by Zynga a mobile games publisher in Canada, is the Japanese Sony which went on the offensive by offering Sucker Punch. The American development studio publishes games for consoles, the PlayStation family, including "Sly Cooper" (PS) and "inFamous' (PS3). The amount of the transaction were not disclosed.

Amerigroup (7.47% to 51.65 dollars) is expected to jump at the opening, the title win over 5% in electronic trading before the opening of Wall Street. The group of health care services announced yesterday it has won a contract to develop its business in Texas.

Zinedine Zidane, Catherine Deneuve, Michael Jordan and Madonna have their BoConcept furniture, as more and more French. "In a furniture market growing 2.7% last year, BoConcept has managed to grow its sales by 21% to 48 million euros," said Tim Machenaud, France Director of the sign. The French branch has experienced the strongest growth (LFL) of the 55 countries where the Danish group, born in 1952, is present.

BoConcept has yet installed almost by accident in France in 1993. "We were mainly found in Scandinavia as wholesalers," recalls Viggo Mølholm, Group CEO and son of one of the two founders. With the first store in Belle Thorn (Val-de-Marne) open on the board of a student in marketing, furniture manufacturer – which had Ikea and Fly among its clients – embarks distribution.Eighteen years later, BoConcept France became the largest contributor (21%) on sales of the company listed in Copenhagen, far ahead of Germany (13%), United States (10%) and Spain (6%).

"Finding the right balance"

"In the coming years I am convinced that we can continue to grow at an annual rate of 20% in France, among others through the next opening," said the CEO, which lists some points to improve to get there. The average basket of 1050 euros, not high enough, focused attention. "After working for more upscale, we've got a good price positioning," J. Viggo Mølholm. "The challenge of the mid-range segment lies in the fact that we do not have large volumes of low-end and we were not comfortable margins of the high end.It is difficult to find the right balance, which explains the lack of competitors in this segment, "said Tim Machenaud.

BoConcept does not cover the kitchen or the bathroom or the children's room and do not wish to extend its range to other universes. He wishes to deepen the other hand, since this year by offering two collections a year. But also by pushing even further personalization of its furniture design (choice of fabrics, materials and colors), still mostly made near the historic headquarters in Herning, Denmark.

After putting its expansion project in brackets last year, BoConcept expects to create between three and six stores this year in France. "Since 2005, our network has been considerably expanded from seven to 31 stores. We want to reach fifty in the medium term, "France says the director, who admits to not being pressed."I prefer to wait to find the right franchise, good location and good town," he says, noting the target areas with at least 250,000 inhabitants.

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Notaries, tax and estate planning departments of banks are preparing for busy week. Many individuals want to make donations before the vote – scheduled for early July – the tax reform Heritage presented last week. "There is a window of opportunity for all those who want to give," says Bertrand de la Grandière at Compagnie Financière Edmond de Rothschild.

The reform removes, of course, the tax shield and landscape ISF, but also increases the taxation of gifts and estates. The allowance of 159,325 euros remains for transmission to a child, and the surviving spouse is exempt from inheritance tax. But the fees payable in case of large gifts will increase as a result of several measures.