Les factures de l’ADSL et de téléphonie mobile ont connu une baisse substantielle en 3 ans... mais l’arrivée de Free dans le jeu très fermé du mobile peut encore accélérer cette tendance.
C’est une info de l’ARCEP, le régulateur des télécoms (dont je vous recommande la lecture de certains rapports sur l’ouverture des marchés ou la concurrence, on y apprend souvent plein de détails que ne nous disent pas les politiques) reprise par le Figaro: les prix de nos factures ADSL et de téléphonie mobile baissent enfin.
"La facture mensuelle moyenne, pour un abonnement ADSL, s’élevait à 23,90euros hors taxes, en baisse de 1,3% sur un an. Selon l’Arcep, en 2005, cette facture était de 25,20euros par mois. Même mouvement dans la téléphonie mobile, où la facture mensuelle moyenne était, au deuxième trimestre,converse all star pas cher, de 26,90euros hors taxes, en recul de 2,5% sur un an. En 2005, cette facture atteignait encore 29,20euros hors taxes par mois."
On peut rappeler au passage que ces deux marchés sont quelque peu différents en terme de concurrence,timberland paris, et que Noël 2009 pourrait nous apporter une bonne nouvelle. Sur le marché de l’ADSL, les 3 opérateurs SFR,chaussure puma, Orange et Bouygues ont très longtemps joué l’entente cordiale (et discrète), avec un tarif qui restait obstinément bloqué à 40€ par mois. C’est à l’époque l’arrivée de Free qui avait changé la donne, avec l’apparition des offres "triple play" (téléphone, TV,louboutin sale, internet) à 29,90€.
C’est désormais le marché du téléphone mobile, très juteux (les marges y sont les mêmes que dans l’industrie du luxe, soit plus de 20%!) qui pourrait voir le même 4e opérateur (Free) arriver... après une bataille économico-politique de plusieurs années! L’année dernière, on sentait même que la 4è licence de téléphonie mobile était enterrée, ce qui faisait au passage de la France l’un des pays où l’on payait le plus pour son téléphone portable (1,tn nike,5 fois la moyenne européenne) comme le montre bien cette infographie. Avec l’arrivée du nouvel opérateur, les prix devraient baisser de 7% selon Bercy, soit près de 1,5 milliards d’économie pour les consommateurs.
La seule interrogation quant à l’arrivée de Free reste celle des antennes-relais dont l’éventuelle dangerosité fait toujours débat... Free pense devoir installer environ 12 000 antennes pour couvrir à terme la population française, soit autant de disputes de voisinage possibles!
2010年9月7日星期二
En complément
Après avoir vendu les activités en Allemagne à la SSII belge Vision IT, le conseil d'administration de GFI a officialisé ce matin la cession de sa filiale transalpine (520 personnes), qui plombait lourdement les comptes, à "un industriel italien". "Enfin, GFI se désengage de ce foyer de perte, même si la SSII a du recapitaliser la structure avant de la céder", commente Brice Thébaud, analyste chez Aurel BGC spécialiste du marché des logiciels et services.
Retraité des activités cédées, le chiffre d'affaires de la SSII française tombe en 2009 à 663,6 M€. Rappelons que, en intégrant les activités vendues, le chiffre d'affaires initialement publié par GFI atteignait 726,tn pas cher,4 M€, soit une décroissance de 9 % sur un an. Débarrassé de ses deux filiales en fort recul (-53,7 % au dernier trimestre pour l'Italie, -18,6 % pour l'Allemagne sur la même période), la décroissance se limite à 6,7 %. Même ainsi reconfiguré, la groupe a vu sa marge reculer sur un an : à 4,5 %,chaussures lacoste, celle-ci plonge de 2 points en un an. "A l’international, le groupe a décidé de se concentrer sur les marchés sur lesquels il pouvait renforcer rapidement les synergies avec la base française et gagner des parts de marchés", commente la SSII dans un communiqué.
Italie et Allemagne : 50 M€ de pertes
Ainsi redimensionné, GFI reste avant tout un acteur fortement centré sur la France, où il réalise plus de 70 % de son chiffre d'affaires. Dans l'Hexagone,chaussure manolo blahnik, sur l'année entière, la SSII a connu une décroissance de 5,5 %. Derrière ce poids lourd, GFI dispose d'implantations significatives en Espagne, au Portugal (en croissance organique en 2009) et au Canada, où la société alors dirigée par Jacques Tordjmann a procédé à plusieurs rachats d'éditeurs de logiciels (Accovia, Bell Solutions et Forstum).
Plombé par des restructurations (dont plus de 7 M€ en France) et par les pertes générées par la cession des filiales allemande et italienne (pour un total de plus 50 M€ de pertes sur l'activité, moins-values de cession et écarts d'acquisition, majoritairement en provenance d'Italie), la SSII termine 2009 largement dans le rouge. Sa perte atteint 57,air max pas cher,8 M€. Sur les six premiers mois de 2009,chaussures jimmy choo, GFI avait limité le trou à 11 M€. L'endettement net s'est légèrement accru, à 95,1 M€, tandis que les capitaux propres se sont allégés de plus de quelque 65 M€.
Un rôle dans la consolidation, mais lequel ?
Dans un communiqué, Vincent Rouaix, le Pdg, explique s'inscrire dans le plan de réorientation stratégique qu'il a présenté en juillet dernier : "l’organisation sectorielle et le renforcement managérial sont aujourd’hui effectués avec des premiers résultats commerciaux concrets. Dans un contexte économique qui reste difficile, le groupe poursuivra l’application de son plan en vue d’améliorer ses marges et de jouer un rôle actif dans la consolidation de son marché". Un rôle actif qui pourrait toutefois bien être celui de la proie. "Même si le niveau de dette de GFI - 60 % des capitaux propres - n'en fait pas une proie très alléchante", note Brice Thébaud.
Retraité des activités cédées, le chiffre d'affaires de la SSII française tombe en 2009 à 663,6 M€. Rappelons que, en intégrant les activités vendues, le chiffre d'affaires initialement publié par GFI atteignait 726,tn pas cher,4 M€, soit une décroissance de 9 % sur un an. Débarrassé de ses deux filiales en fort recul (-53,7 % au dernier trimestre pour l'Italie, -18,6 % pour l'Allemagne sur la même période), la décroissance se limite à 6,7 %. Même ainsi reconfiguré, la groupe a vu sa marge reculer sur un an : à 4,5 %,chaussures lacoste, celle-ci plonge de 2 points en un an. "A l’international, le groupe a décidé de se concentrer sur les marchés sur lesquels il pouvait renforcer rapidement les synergies avec la base française et gagner des parts de marchés", commente la SSII dans un communiqué.
Italie et Allemagne : 50 M€ de pertes
Ainsi redimensionné, GFI reste avant tout un acteur fortement centré sur la France, où il réalise plus de 70 % de son chiffre d'affaires. Dans l'Hexagone,chaussure manolo blahnik, sur l'année entière, la SSII a connu une décroissance de 5,5 %. Derrière ce poids lourd, GFI dispose d'implantations significatives en Espagne, au Portugal (en croissance organique en 2009) et au Canada, où la société alors dirigée par Jacques Tordjmann a procédé à plusieurs rachats d'éditeurs de logiciels (Accovia, Bell Solutions et Forstum).
Plombé par des restructurations (dont plus de 7 M€ en France) et par les pertes générées par la cession des filiales allemande et italienne (pour un total de plus 50 M€ de pertes sur l'activité, moins-values de cession et écarts d'acquisition, majoritairement en provenance d'Italie), la SSII termine 2009 largement dans le rouge. Sa perte atteint 57,air max pas cher,8 M€. Sur les six premiers mois de 2009,chaussures jimmy choo, GFI avait limité le trou à 11 M€. L'endettement net s'est légèrement accru, à 95,1 M€, tandis que les capitaux propres se sont allégés de plus de quelque 65 M€.
Un rôle dans la consolidation, mais lequel ?
Dans un communiqué, Vincent Rouaix, le Pdg, explique s'inscrire dans le plan de réorientation stratégique qu'il a présenté en juillet dernier : "l’organisation sectorielle et le renforcement managérial sont aujourd’hui effectués avec des premiers résultats commerciaux concrets. Dans un contexte économique qui reste difficile, le groupe poursuivra l’application de son plan en vue d’améliorer ses marges et de jouer un rôle actif dans la consolidation de son marché". Un rôle actif qui pourrait toutefois bien être celui de la proie. "Même si le niveau de dette de GFI - 60 % des capitaux propres - n'en fait pas une proie très alléchante", note Brice Thébaud.
2010年8月20日星期五
On Having Fun with Financial Crisis
The financial crisis is a huge issue not just in the United States but virtually all throughout the world. Now, we become more conscious in buying stuffs that we don't actually need. And the cost-cutting measures usually include pleasure expenses.
With the present situation of our market, there's no doubt why several people do some recession in their pleasure pleasures. Nevertheless,Replica watches, indulging ourselves to too much work can be the source of anxieties which is not advisable to the health. Despite of our economic status today,vibram five fingers, it is still suggested that we take time to have some fun.
Entertaining ourselves and having fun shouldn't have to be constantly expensive. At times of catastrophe,ugg boots, we need someone that we can count on. Privilege,glattejern ghd, discount and loyalty cards are just few of the advantageous programs that can help us enjoy without hurting our finances too much.
A day visit to a park with the kids occasionally can also give bright and new milieu to us. Outdoor picnics and small sports fest at home can also provide entertainment and fun to everyone in the family. Playing does not just make the bonding exceptional but also encourages good health and agility to our body.
Always remember that financial problems have always been there even without the worldwide recession. Every household in the world is suffering from monetary difficulties once in a while depending on the enormity of their everyday needs. Just be thankful that you have funds to spend for amusing yourself and not use to buy lifetime medication.
The perfect mean of budgeting includes allocating some for everyday needs such as food, education and work expenses, much more for savings and a little for pleasure. Rewarding yourself does not have to end now due to the global financial crisis. It must be constantly a part of your life because you need to get back the strength and retrieve the high spirit after stressing yourself in your job. ---------- Phoem Francisco is a contributor of Liberty Fun Pass blog and loves to write family oriented articles about saving and entertainment.
With the present situation of our market, there's no doubt why several people do some recession in their pleasure pleasures. Nevertheless,Replica watches, indulging ourselves to too much work can be the source of anxieties which is not advisable to the health. Despite of our economic status today,vibram five fingers, it is still suggested that we take time to have some fun.
Entertaining ourselves and having fun shouldn't have to be constantly expensive. At times of catastrophe,ugg boots, we need someone that we can count on. Privilege,glattejern ghd, discount and loyalty cards are just few of the advantageous programs that can help us enjoy without hurting our finances too much.
A day visit to a park with the kids occasionally can also give bright and new milieu to us. Outdoor picnics and small sports fest at home can also provide entertainment and fun to everyone in the family. Playing does not just make the bonding exceptional but also encourages good health and agility to our body.
Always remember that financial problems have always been there even without the worldwide recession. Every household in the world is suffering from monetary difficulties once in a while depending on the enormity of their everyday needs. Just be thankful that you have funds to spend for amusing yourself and not use to buy lifetime medication.
The perfect mean of budgeting includes allocating some for everyday needs such as food, education and work expenses, much more for savings and a little for pleasure. Rewarding yourself does not have to end now due to the global financial crisis. It must be constantly a part of your life because you need to get back the strength and retrieve the high spirit after stressing yourself in your job. ---------- Phoem Francisco is a contributor of Liberty Fun Pass blog and loves to write family oriented articles about saving and entertainment.
Summer 2010 Shoe Trends for Women
Let's face it: if there's one aspect of fashion that grips women unlike any other, it's the world of shoes. Footwear has long fascinated females, for reasons as diverse as the shoe designs themselves. For instance, some women love high heels for their unmistakable feminine factor, while others enjoy heels simply for the height they instantly bestow. Yet for countless women, shoes have just as much to do with attitude as with appearance. For example, many women feel more powerful in stilettos, while others feel sexiest and most confident when wearing boots.
Of course, the female fascination with footwear is partially fuelled by the vast selection of distinctive designs out there. With so many styles of shoes to choose from - and with many of these styles invoking a sense of individuality for the wearer - the shoe industry has much to keep women preoccupied. What's more,ghd rauta, new shoe trends are introduced on a seasonal basis, which means footwear fashionistas will always have a reason to stay "on their toes".
That being said, summer 2010 shoe trends are sure to please the most discerning of footwear fans. Platform shoes are making a comeback with an added vintage feel to them, while peep toe ankle boots are a sexy (and height-boosting) way to show off that gorgeous pedicure. Wedge heels are also showing up all over summer trend reports as this season's statement shoe, as are chic flats (think ballerina flats and Oxford brogues with frills and ruffles). Chunky shoes are a summer must-have ? particularly backless, wooden clogs ? as will kitten heels. Of course, no summer shoe collection is complete without a pair of strappy sandals (gladiator styles, woven uppers and flat thong sandals will be big). With regard to colours and patterns, look out for neutral, blue and greens hues, as well as tribal and animal prints. Many of this season's shoes are also emerging with plastic and chiffon detailing - achieving a transparent,nike air max, almost futuristic design - while dramatic stitching, lace-up designs and bold shapes are being incorporated into all shoe styles. Finally,Louis vuitton, artsy, "out-there" heels have earned a nod from the fashion world, meaning those quirky designs on the catwalk can be worn in the real world this season.
Ultimately,nike shox, the fashion world's summer shoe "portfolio" seems to incorporate a balanced mix of classic designs (with a twist) and novel styles ? which means shoe lovers everywhere will have an ample supply of footwear to feed that famous, long-standing fascination for yet another season.
Of course, the female fascination with footwear is partially fuelled by the vast selection of distinctive designs out there. With so many styles of shoes to choose from - and with many of these styles invoking a sense of individuality for the wearer - the shoe industry has much to keep women preoccupied. What's more,ghd rauta, new shoe trends are introduced on a seasonal basis, which means footwear fashionistas will always have a reason to stay "on their toes".
That being said, summer 2010 shoe trends are sure to please the most discerning of footwear fans. Platform shoes are making a comeback with an added vintage feel to them, while peep toe ankle boots are a sexy (and height-boosting) way to show off that gorgeous pedicure. Wedge heels are also showing up all over summer trend reports as this season's statement shoe, as are chic flats (think ballerina flats and Oxford brogues with frills and ruffles). Chunky shoes are a summer must-have ? particularly backless, wooden clogs ? as will kitten heels. Of course, no summer shoe collection is complete without a pair of strappy sandals (gladiator styles, woven uppers and flat thong sandals will be big). With regard to colours and patterns, look out for neutral, blue and greens hues, as well as tribal and animal prints. Many of this season's shoes are also emerging with plastic and chiffon detailing - achieving a transparent,nike air max, almost futuristic design - while dramatic stitching, lace-up designs and bold shapes are being incorporated into all shoe styles. Finally,Louis vuitton, artsy, "out-there" heels have earned a nod from the fashion world, meaning those quirky designs on the catwalk can be worn in the real world this season.
Ultimately,nike shox, the fashion world's summer shoe "portfolio" seems to incorporate a balanced mix of classic designs (with a twist) and novel styles ? which means shoe lovers everywhere will have an ample supply of footwear to feed that famous, long-standing fascination for yet another season.
2010年8月17日星期二
Is No Frills Car Insurance Worth The Risk?
With the cost of owning and insuring a car rising, more and more UK motorists are looking for ways to save money on their car insurance. Some motor insurers have responded to this by offering no-frills policies that still provide comprehensive cover to insure the basics but exclude many of the extra's that traditional car insurance provides as standard.
The most recent insurers to enter this growing,replica orologi niche of the car insurance market are Tesco with their Value Insurance policy and Norwich Union who have branded their policy Simple Cover.
You might be wondering,tiffany shop, though, if these no-frills car insurance plans are simply a marketing gimmick to win new customers or whether they really can save you money without affecting your cover significantly. If you are a careful driver, aren't too bothered about some of the policy extras included on some standard car insurance and you can afford to pay a higher excess should the worst happen, then a simple car insurance policy might save you money.
On the surface, it appears to boil down to be willing to accept more liability in case of an accident. If you can increase your voluntary excess, for example, then you will have to pay more out of your own pocket should you discover a cracked windscreen, or have a minor crunch in a car park. On the other hand, a higher excess should result in a much lower monthly premium which can result in big savings should you not need to make a claim.
So what else might you be missing out on if you choose a "no-frills" policy? No-frills car insurance is about cutting away the little extras and just leaving the most basic cover to keep you on the road. This might mean that things are a little more inconvenient should you have an accident, however. In case of damage to your vehicle, you could have to go to an approved garage for the repairs rather than to your own local garage. You might also have to give up the little extras like a courtesy car should your vehicle be off the road for any reason,louis vuitton tassen, again causing the expense to fall to you should you need it. Some no-frills policies do offer these options at an extra cost, but allow you to pay less if you don't require them.
In the end,nike air max 90, all insurance is about risk and saving money on no-frills car insurance comes down to whether or not you are willing to take the risk of paying more should you have an accident or need to claim for a cracked windscreen or car park crunch. As with any insurance, ensure you read the small print and be aware of any hidden extras that could actually end up costing you more than a standard motor policy. If you've been lucky enough to avoid a collision so far, it's also important to really consider the hassle and expense that can follow and whether a basic policy will provide sufficient support and protection when you need it most.
The most recent insurers to enter this growing,replica orologi niche of the car insurance market are Tesco with their Value Insurance policy and Norwich Union who have branded their policy Simple Cover.
You might be wondering,tiffany shop, though, if these no-frills car insurance plans are simply a marketing gimmick to win new customers or whether they really can save you money without affecting your cover significantly. If you are a careful driver, aren't too bothered about some of the policy extras included on some standard car insurance and you can afford to pay a higher excess should the worst happen, then a simple car insurance policy might save you money.
On the surface, it appears to boil down to be willing to accept more liability in case of an accident. If you can increase your voluntary excess, for example, then you will have to pay more out of your own pocket should you discover a cracked windscreen, or have a minor crunch in a car park. On the other hand, a higher excess should result in a much lower monthly premium which can result in big savings should you not need to make a claim.
So what else might you be missing out on if you choose a "no-frills" policy? No-frills car insurance is about cutting away the little extras and just leaving the most basic cover to keep you on the road. This might mean that things are a little more inconvenient should you have an accident, however. In case of damage to your vehicle, you could have to go to an approved garage for the repairs rather than to your own local garage. You might also have to give up the little extras like a courtesy car should your vehicle be off the road for any reason,louis vuitton tassen, again causing the expense to fall to you should you need it. Some no-frills policies do offer these options at an extra cost, but allow you to pay less if you don't require them.
In the end,nike air max 90, all insurance is about risk and saving money on no-frills car insurance comes down to whether or not you are willing to take the risk of paying more should you have an accident or need to claim for a cracked windscreen or car park crunch. As with any insurance, ensure you read the small print and be aware of any hidden extras that could actually end up costing you more than a standard motor policy. If you've been lucky enough to avoid a collision so far, it's also important to really consider the hassle and expense that can follow and whether a basic policy will provide sufficient support and protection when you need it most.
Make Money From Home - Be A Mystery Shopper
Have you seen ads that say you can generate lots of money working from home through using the internet? If so,mercurial vapor, then perhaps you're dubious about the thought that you can actually make much money online. Then again, your uncertainty is good since that will keep you from being victimized by scams and eventually losing money.
Then again, there are indeed some means that you can make money from home by way of the internet. And the good thing is,zapatos mbt, you can also do this without spending a penny, you will not even be required to provide your credit card or bank account number. However,plancha ghd, offers like these can also be difficult to locate, particularly if you are skeptical due to the scams and illegal schemes that are rampant online.
On the other hand, one job that you can do from home is being a mystery shopper. This is really one way in which you can earn money online and for free.
Various companies today hire and pay people just so they will visit their online stores and business websites while pretending to be a customer. The mystery shopper is then tasked to report back to the owner about how they were treated by the staff, what can he say about the products or items posted, and all the other details of his online shopping experience.
Companies usually hire mystery shoppers via agencies. Thus, you have to look for legitimate agencies that can get you as one of their mystery shoppers. Usually, agencies do not charge anything so beware of those that ask for a fee. Rates for mystery shoppers start at $10 up to $50. Normally,tiffany roma, your payment already includes the repayment for things that you had bought from the store.
Then again, there are indeed some means that you can make money from home by way of the internet. And the good thing is,zapatos mbt, you can also do this without spending a penny, you will not even be required to provide your credit card or bank account number. However,plancha ghd, offers like these can also be difficult to locate, particularly if you are skeptical due to the scams and illegal schemes that are rampant online.
On the other hand, one job that you can do from home is being a mystery shopper. This is really one way in which you can earn money online and for free.
Various companies today hire and pay people just so they will visit their online stores and business websites while pretending to be a customer. The mystery shopper is then tasked to report back to the owner about how they were treated by the staff, what can he say about the products or items posted, and all the other details of his online shopping experience.
Companies usually hire mystery shoppers via agencies. Thus, you have to look for legitimate agencies that can get you as one of their mystery shoppers. Usually, agencies do not charge anything so beware of those that ask for a fee. Rates for mystery shoppers start at $10 up to $50. Normally,tiffany roma, your payment already includes the repayment for things that you had bought from the store.
Making The Best Of Online Casinos
Online casinos have been riding high on the recent popularity of the internet and are very fast turning into a viable option for those playing at a casino. To start with, the online casinos offer a whole world of benefits to casino lovers which are not possible in brick and mortar casinos. There are a few issues too, but at the end of the day, it is all about what works well for you.
Online casinos, allow you to lounge in the comfort of your home while you are playing your favorite casino games,air max, be it poker, blackjack or Roulette wheel. Hence, the ambience is not as intimidating as it is in real life which offers you a greater chance of winning. It is true that some people love the very ambience of a casino which cannot be replicated online,mbt zapatos but at the end of the day you save yourself the trouble of going all the way to the casinos to play your favorite game. Your city might not even have quality casinos which is what drags you out of town every weekend. That is all the more reason for favoring online casinos. All you need is an appetite to play and you can get going online, whether it is first up in the morning or late in the night.
Online casinos usually offer many incentives that are not available in brick and mortar casinos. A good example is the opening bonus which many casinos offer as soon as you open an account. You will have to make your own deposit and play games for stipulated conditions before you can get your hands on the opening bonus,plancha ghd, but it is way more encouraging than a real life casino where most people only end up losing money. There is nothing called a demo in real life and everything you play for is serious money which is why amateurs often lose enormous amounts of money to the seasoned gamblers who know all the tricks of the trade.
This is where online casinos come real handy. There is usually a version where you can play for fun without indulging in serious money. This is for your learning process to understand how to play and compete with others. If you lose, you only learn but do not have to part with your money at all. In fact, you can use this as a platform before you launch yourself at a true casino and make some money there.
The Casino online sites provide all the information about any casino game you are interested in which ensures that you know all the rules well beforehand. Reading about individual casino games, the tips provided by winners and also the things to avoid will help you act wiser in a casino. After all, it is hard to simultaneously read about principles and strategies and play the casino games, which is not possible in a brick and mortar casino. Hence you are learning, playing and earning all at the same time which is likely to help you grow as a casino player.
Online casinos, allow you to lounge in the comfort of your home while you are playing your favorite casino games,air max, be it poker, blackjack or Roulette wheel. Hence, the ambience is not as intimidating as it is in real life which offers you a greater chance of winning. It is true that some people love the very ambience of a casino which cannot be replicated online,mbt zapatos but at the end of the day you save yourself the trouble of going all the way to the casinos to play your favorite game. Your city might not even have quality casinos which is what drags you out of town every weekend. That is all the more reason for favoring online casinos. All you need is an appetite to play and you can get going online, whether it is first up in the morning or late in the night.
Online casinos usually offer many incentives that are not available in brick and mortar casinos. A good example is the opening bonus which many casinos offer as soon as you open an account. You will have to make your own deposit and play games for stipulated conditions before you can get your hands on the opening bonus,plancha ghd, but it is way more encouraging than a real life casino where most people only end up losing money. There is nothing called a demo in real life and everything you play for is serious money which is why amateurs often lose enormous amounts of money to the seasoned gamblers who know all the tricks of the trade.
This is where online casinos come real handy. There is usually a version where you can play for fun without indulging in serious money. This is for your learning process to understand how to play and compete with others. If you lose, you only learn but do not have to part with your money at all. In fact, you can use this as a platform before you launch yourself at a true casino and make some money there.
The Casino online sites provide all the information about any casino game you are interested in which ensures that you know all the rules well beforehand. Reading about individual casino games, the tips provided by winners and also the things to avoid will help you act wiser in a casino. After all, it is hard to simultaneously read about principles and strategies and play the casino games, which is not possible in a brick and mortar casino. Hence you are learning, playing and earning all at the same time which is likely to help you grow as a casino player.
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