Monthly Archives: juin 2015

Les gens et l’argent : les paradoxes français

De l'argent en cadeau

© arsdigital – Fotolia.com

Devenir riche, mais sans que cela se sache. Epargner pour la retraite, mais pas tout de suite. Miser en priorité sur des placements sécurisés, mais en visant un rendement maximal. Les Français ne sont pas à un paradoxe près lorsqu’il est question d’argent et de patrimoine. Plusieurs études publiées cette semaine ont pointé leurs contradictions.

Se sont-ils concertés ? Ces derniers jours, trois instituts de sondage(1), et les commanditaires de ces études, ont étonnamment publié des enquêtes sur des sujets très proches : « Le rapport des Français à l’argent et aux riches », par l’institut Odoxa, « Argent et entraide familiale, entre devoir et pouvoir », par TNS Sofres, « Les Français, l’épargne et leur retraite », par l’Ifop et le Cecop. Les trois sondages ont été relayés dans les médias, en particulier le premier, qui estime à partir de quel revenu un Français est considéré comme « riche ». Mais ce flot d’études pointe aussi de multiples paradoxes dans la relation des Français à la richesse et à l’épargne, bref, à l’argent en général.

Etre riche, c’est mal perçu

Premier d’entre eux, ce mélange d’attirance et de malaise concernant la richesse. Les trois quarts des personnes interrogées par Odoxa jugent que c’est une « bonne chose » de vouloir être riche, la même proportion de Français s’étant fixés pour « objectif de vie » de « gagner de l’argent et de devenir riche ». Un cap qu’ils valident, selon cette étude, à partir de 5.000 euros de revenu mensuel net ou d’un patrimoine de 500.000 euros.

L’attirance est affichée, mais le tabou perdure : pour 78% des sondés, être riche est « mal perçu ». Le malaise est d’autant plus important lorsqu’il s’agit de parler d’épargne ou de patrimoine : près de sept Français sur dix se disent mal à l’aise pour livrer le montant de leurs avoirs financiers.

Il faut épargner pour la retraite, en théorie

Deuxième paradoxe : épargner pour la retraite apparaît de plus en plus comme une nécessité, cependant, une minorité de Français s’y attèlent sérieusement. Ainsi, 81% des non-retraités pensent que leur pension ne leur permettra pas de « vivre correctement » selon l’Ifop. Mais seulement 29% des mêmes personnes affirment placer « régulièrement » de l’argent en vue de leurs vieux jours.

Même conclusion dans une autre étude récente : les Français épargnent trop tardivement pour préparer une dépendance éventuelle de l’avis des conseillers en gestion de patrimoine. Et ils choisissent des placements qui ne sont pas les plus adaptés pour anticiper la dépendance. Paradoxe, encore, par rapport à la perte d’autonomie des membres de la famille. Un tiers des Français considèrent la fin de vie de leurs proches comme « l’un des événements les plus lourds à supporter financièrement » selon l’étude TNS Sofres sur l’argent et l’entraide familiale. Et pourtant : « ils ne sont que 12% à anticiper cette éventualité ».

Epargne : « le beurre et l’argent du beurre »

Prendre des risques ou assurer ses arrières ? L’étude Ifop-Cecop commandée par le Cercle de l’épargne relève une constante quant à leurs placements : la sécurité avant tout ! Elle est citée comme priorité par 38% des Français, devant la disponibilité (35%) et le rendement (27%).

Mais lorsque le sondeur interroge le même panel sur le niveau de rémunération de l’épargne, elle est jugée insuffisante à 87% ! Ce paradoxe trouve d’ailleurs une illustration concrète dans l’actualité récente. L’assurance-vie, produit d’épargne n°1 en France en termes de montant, enregistre jusqu’à présent en 2015 une collecte nette supérieure sur les fonds risqués (supports en unités de compte) à celle réalisée sur les supports non-risqués (fonds en euros). Dans une étude portant sur les douze principaux assureurs du marché, le régulateur du secteur, l’ACPR, annonçait même 68% de la collecte nette sur les unités de compte au premier trimestre 2015.

Et des clichés sur les produits bancaires

Concernant le Livret A, si souvent présenté comme le produit d’épargne préféré des Français, le paradoxe n’existe pas : sa rémunération reste scotchée à 1% et la collecte nette du Livret A est à nouveau négative en mai 2015, comme lors de onze des douze derniers mois. Depuis plus d’un an, l’idée qu’il ne rapporte plus rien fait son chemin. Une idée reçue lorsque l’on regarde l’évolution du rendement net d’inflation de ce produit d’épargne réglementée. A l’image de ce préjugé, cBanque va s’attaquer, pendant tout l’été, aux clichés sur les produits bancaires.

Some Proven Tips And Advice For Improving Your Leadership Skills

How many times have you passed up being a leader in a specific situation, or maybe you have been looked over? If you don’t want to miss out on leadership opportunities, then it’s imperative that you pay attention. This article will help you find out what is missing from your life when it comes to leadership.

Advice-To-Improve-Your-Mobile-Marketing

Being a great leader is a lot more than dishing out orders. One of the most important parts of being a great leader is developing a trust between yourself and your team. If you want your team to give you the best work possible, treat them with the same respect you demand.

A good leader should always try to remain optimistic. Even when things aren’t going as planned, a leader should be positive so that the people around you will remain positive. No matter what the problem is, a good attitude will give you, and your team, hope that the problem will be handled.

Be sure that you spend some time each day out of your office, and in the midst of the workforce. Try to be a part of the group, while maintaining your leadership role. You can use this time to get to know your employees, ask questions or even join them for lunch.

Make sure that people know that you want the team’s success. If you’re in a position of power, some may suspect that you only want glory for yourself. That’s why it is important to do things that let others know you are on their side, and that your leadership will produce good results for everyone.

One of the most important aspects of any leader is the ability to create a sense of trust among their employees. Employees who trust their supervisor are willing to do more to help the company succeed than those who do not trust their supervisors. Always be truthful when dealing with employees.

Learn to delegate nonessential tasks to your employees. Delegation allows you to focus on the essential things that must be done to make your company successful. Additionally, delegating tasks to your employees gives them a sense of pride and ownership in the company. Although it is tempting to try to do everything yourself, delegation is beneficial to your company.

Encourage passion for the work you do. When you show enthusiasm about something, it is contagious. Show enthusiasm for a new project and be passionate about the ideas your team has. Encouraging a passionate and enthusiastic attitude about work is a great way to inspire creativity in your team.

A good leader is able to help develop strong leadership skills in others. If you try to micro-manage every detail of your business, you won’t have time to look at the bigger picture. Having trustworthy employees who can lead others will give you the chance to delegate responsibilities as your company continues to grow.

It’s time to make sure that you’re always working on being a leader. This is an essential aspect of life that is very important to pursue. Now that you’ve read all the information here, you are ready to get going. Put your leadership goals as a priority, and let your experiences guide you.

So You Don’t Think Preparing a Budget is Important?

If you wanted to invest in the stock market, you’d probably do some research on the company that you’re interested in, right? You’d want to know the answers to questions like: is the company making a profit? Is revenue increasing? Is it in a position to repay its debts?  Basically, you’d want to examine the company’s financial statements to gain an insight into its future performance; as this would help determine whether it’s worth investing in.

Similarly, if you’re looking for an investor to inject money into your business, or you need a bank loan, you can be sure they’ll ask to see your financial statements. They’ll want to know how you are performing financially and whether you’ll be good for debt repayment. I recently worked with a client who needed to secure a bank loan, but they’d never maintained a budget. There’s no way the bank would consider this application, so I worked with the client to develop a robust financial reporting system. These reports gave the bank the insight it needed into the business’s future revenue and cash forecasts, and thus the confidence to offer a loan.

So, What is a Budget?

Put simply, a budget is an estimate of the expected revenue; expenses and cashflow of your businessoperations for a given period – usually the next 12 months. Monitoring your budget regularly against actual results, lets you know whether or not you’re on track to meet your financial goals.

Why Do You Need a Budget?

  • Okay, so the main reason for maintaining a budget is to avoid running out of money, which is a big risk for businesses, and the biggest risk for any start-up.
  • It will help you develop your cashflow forecast, which is crucial for every business (remember – cash is king). By adding income and expenses into your budget, you’ll know how much you need each month to build a profitable business.
  • It can help you secure finance. Investors and lenders usually require a business to provide an annual budget, as it indicates your financial viability and whether you’ll have the capacity to pay the loan back.
  • Tracking actual results against a budget lets you identify any problem areas and make the right decisions for adjustments.

 

Key Points to Consider When Preparing a Budget

  • Business strategy – what are your plans for growth and do your budgeted expenses reflect what it will cost to expand?
  • Abnormal items – do you envisage any large costs in the future: a large project, additional staff, new equipment etc? Again, this needs to be reflected in your budgeted expenses.
  • Prior year trends – this will give you an indication of future revenue and expenses.
  • Cashflow requirements – you need to understand how much money will be coming in to the business each month (customer payments, interest earnings etc.) and how much will be going out (supplier payments, wages, loan repayments etc.) as it will help you understand how much money you’ll have left over, and therefore how viable your business is.
  • Industry/market conditions – you need to make some assumptions about your industry to keep your business relevant. Will the market shrink or expand? Is the number of competitors changing? If you’re a bricks and mortar business, do you consider moving online? Other technological advancements you need to think about?

 

So What Can a Budget Tell You?

  • Revenue not meeting forecasts? An obvious answer is a reduction in sales, but less obviously, you may not be invoicing regularly enough. Having an effective accounting system makes the invoicing process swift and simple.
  • Are you charging enough? Don’t make the (common) mistake of failing to cover all fixed costs (rent, salaries, overheads etc.) as well as operating costs when pricing your product.
  • Are receivables lagging? By monitoring cashflow, you can identify which customers are not paying on time. A quick phone call can fix the situation and help keep your cashflow positive.
  • Are you spending too much? If your expenses start to exceed the budgeted figures, you can identify the problem areas and make the necessary decisions to cut expenditure.
  • Do you know exactly what you owe? If you aren’t tracking all expenses accurately – including which ones have and haven’t been paid – you may unexpectedly find that you owe a lot of money – which you can’t pay.

Predicting the financial future of businesses can be difficult. For start-ups, it can be even more challenging. Your initial estimates won’t be accurate, but after a period of continuous tracking and adjusting, you will start to make more accurate forecasts.

A budget is a must if your business is to have any chance of survival. It’s the means to reaching the financial goals you’ve set, and it provides the insight into how you should be making future decisions to help your business succeed.

How To Get People To Like You: 7 Ways From An FBI Behavior Expert

how-to-get-people-to-like-you

Meeting new people can be awkward. What should you say? How can you make a good impression? How do you keep a conversation going?

Research shows relationships are vital to happiness and networking is the key to getting jobs and building a fulfilling career.

But what’s the best way to build rapport and create trust? Plain and simple, who can explain how to get people to like you?

Robin Dreeke can.

Robin was head of the FBI’s Behavioral Analysis Program and has studied interpersonal relations for over 27 years. He’s an expert on how to make people like you

Robin is the author of the excellent book, It’s Not All About “Me”: The Top Ten Techniques for Building Quick Rapport with Anyone.

I gave him a call to get some answers. (Note that Robin is not speaking for the FBI here, these are his expert insights.)

You’re going to learn:

  1. The #1 secret to clicking with people.
  2. How to put strangers at ease.
  3. The thing you do that turns people off the most.
  4. How to use body language like a pro.
  5. Some great verbal jiu-jitsu to use on people who try to manipulate you.

And a lot more. Okay, let’s learn something.

1) The Most Important Thing To Do With Anyone You Meet

Robin’s #1 piece of advice: “Seek someone else’s thoughts and opinions without judging them.”

Ask questions. Listen. But don’t judge. Nobody — including you — likes to feel judged.

Here’s Robin:

The number one strategy I constantly keep in the forefront of my mind with everyone I talk to is non-judgmental validation. Seek someone else’s thoughts and opinions without judging them. People do not want to be judged in any thought or opinion that they have or in any action that they take.

It doesn’t mean you agree with someone. Validation is taking the time to understand what their needs, wants, dreams and aspirations are.

So what should you do when people start spouting crazy talk? Here’s Robin:

What I prefer to try to do is, as soon as I hear something that I don’t necessarily agree with or understand, instead of judging it my first reaction is, “Oh, that’s really fascinating. I never heard it in quite that way. Help me understand. How did you come up with that?”

You’re not judging, you’re showing interest. And that lets people calmly continue talking about their favorite subject: themselves.

Studies show people get more pleasure from talking about themselves than they do from food or money:

Talking about ourselves—whether in a personal conversation or through social media sites like Facebook and Twitter—triggers the same sensation of pleasure in the brain as food or money…

(To learn how FBI hostage negotiators build rapport and trust, click here.)

So you’ve stopped being Judgy Judgerson and you’re happily validating. Oh, if it were only that easy… What’s the problem here? Your ego.

2) Suspend Your Ego To Get People To Like You

Most of us are just dying to point out how other people are wrong. (Comment sections on the internet are fueled by this, aren’t they?)

And it kills rapport. Want to correct someone? Want to one-up them with your clever little story? Don’t do it.

Here’s Robin:

Ego suspension is putting your own needs, wants and opinions aside. Consciously ignore your desire to be correct and to correct someone else. It’s not allowing yourself to get emotionally hijacked by a situation where you might not agree with someone’s thoughts, opinions or actions.

Contradicting people doesn’t build relationships. Dale Carnegie said it many years ago — and modern neuroscience agrees.

When people hear things that contradict their beliefs, the logical part of their mind shuts down and their brain prepares to fight.

Via Compelling People: The Hidden Qualities That Make Us Influential:

So what happened in people’s brains when they saw information that contradicted their worldview in a charged political environment? As soon as they recognized the video clips as being in conflict with their worldview, the parts of the brain that handle reason and logic went dormant. And the parts of the brain that handle hostile attacks — the fight-or-flight response — lit up.

(For more on keeping a conversation fun, click here.)

So you’ve stopped trying to be clever. But how do you get a reputation as a great listener?

3) How To Be A Good Listener

We’ve all heard that listening skills are vital but nobody explains the right way to do it. What’s the secret?

Stop thinking about what you’re going to say next and focus on what they’re saying right now.

Be curious and ask to hear more about what interests you.

Here’s Robin:

Listening isn’t shutting up. Listening is having nothing to say. There’s a difference there. If you just shut up, it means you’re still thinking about what you wanted to say. You’re just not saying it. The second that I think about my response, I’m half listening to what you’re saying because I’m really waiting for the opportunity to tell you my story.

What you do is this: as soon as you have that story or thought that you want to share, toss it. Consciously tell yourself, “I am not going to say it.”

All you should be doing is asking yourself, “What idea or thought that they mentioned do I find fascinating and want to explore?”

Research shows just asking people to tell you more makes you more likable and gets them to want to help you.

The basics of active listening are pretty straightforward:

  1. Listen to what they say. Don’t interrupt, disagree or “evaluate.”
  2. Nod your head, and make brief acknowledging comments like “yes” and “uh-huh.”
  3. Without being awkward, repeat back the gist of what they just said, from their frame of reference.
  4. Inquire. Ask questions that show you’ve been paying attention and that move the discussion forward.

(To learn the listening techniques of FBI hostage negotiators, click here.)

I know, I know — some people are just boring. You’re not that interested in what they’re saying. So what questions do you ask then, smart guy?

4) The Best Question To Ask People

Life can be tough for everyone: rich or poor, old or young. Everyone.

We all face challenges and we like to talk about them. So that’s what to ask about.

Here’s Robin:

A great question I love is challenges. “What kind of challenges did you have at work this week? What kind of challenges do you have living in this part of the country? What kinds of challenges do you have raising teenagers?” Everyone has got challenges. It gets people to share what their priorities in life are at that point in time.

Questions are incredibly powerful. What’s one of the most potent ways to influence someone? Merely asking for advice.

Via Adam Grant’s excellent Give and Take: A Revolutionary Approach to Success:

Studies demonstrate that across the manufacturing, financial services, insurance, and pharmaceuticals industries, seeking advice is among the most effective ways to influence peers, superiors, and subordinates. Advice seeking tends to be significantly more persuasive than the taker’s preferred tactics of pressuring subordinates and ingratiating superiors. Advice seeking is also consistently more influential than the matcher’s default approach of trading favors.

Twisting your mustache thinking you can use this for nefarious purposes? Wrong, Snidely Whiplash. It only works when you’re sincere.

Via Give and Take: A Revolutionary Approach to Success:

In her research on advice seeking, Liljenquist finds that success “depends on the target perceiving it as a sincere and authentic gesture.” When she directly encouraged people to seek advice as an influence strategy, it fell flat.

(For a list of the questions that can create a strong bond in minutes, click here.)

But what if you have to approach someone cold? How do you get people who might not want to talk to you to willingly give you their attention?

5) How To Make Strangers Feel At Ease

First thing: tell them you only have a minute because you’re headed out the door. 

Here’s Robin:

When people think you’re leaving soon, they relax. If you sit down next to someone at a bar and say, “Hey, can I buy you a drink?” their shields go way up. It’s “Who are you, what do you want, and when are you leaving?” That “when are you leaving” is what you’ve got to answer in the first couple of seconds.

Research shows just asking people if now is a good time makes them more likely to comply with requests:

The results showed that compliance rates were higher when the requester inquired about respondents’ availability and waited for a response than when he pursued his set speech without waiting and inquiring about respondents’ availability.

Nobody wants to feel trapped talking to some weirdo. People are more likely to help you than you think, but they need to feel safe and in control.

(For more on how to make friends easily, click here.)

Even if you get all of the above right you can still come off like a shady used car salesman. And that fear stops you from meeting new awesome people.

Robin says one of the key reasons people come off as untrustworthy is because their words and their body language are misaligned. Let’s fix that.

6) The Best Body Language For Building Rapport

You words should be positive, free of ego and judgment — and your body language (“non-verbals”) needs to match.

Here are the things Robin recommends:

  1. “The number one thing is you’ve gotta smile. You absolutely have to smile. A smile is a great way to engender trust.”
  2. “Keep that chin angle down so it doesn’t appear like you’re looking down your nose at anyone. And if you can show a little bit of a head tilt, that’s always wonderful.”
  3. “You don’t want to give a full frontal, full body display. That could be very offensive to someone. Give a little bit of an angle.”
  4. “Keep your palms up as you’re talking, as opposed to palms down. That says, “I’m hearing what you’re saying. I’m open to what your ideas are.”
  5. “So I always want to make sure that I’m showing good, open, comfortable non-verbals. I just try to use high eyebrow elevations. Basically, anything going up and elevating is very open and comforting. Anything that is compressing: lip compression, eyebrow compression, where you’re squishing down, that’s conveying stress.”

Research backs him up. From Dale Carnegie to peer-reviewed studies, everyone says smiles matter. (In fact, to increase their power, smile slower.)

It makes us happier too. Neuroscience research shows smiling gives the brain as much pleasure as 2000 bars of chocolate — or $25,000.

Via Smile: The Astonishing Powers of a Simple Act:

Depending on whose smile you see, the researchers found that one smile can be as pleasurable and stimulating as up to 2,000 bars of chocolate! …it took up to 16,000 pounds sterling in cash to generate the same level of brain stimulation as one smile! This is equivalent to about $25,000 per smile…

(To learn how to decode body language and read people like a book, click here.)

So now you come off as the pleasant person you are, not as a scheming taker. But what do you do when the other person is a scheming taker?

7) How To Deal With Someone You Don’t Trust

The name of this blog is not “Helpful Tools For Sociopaths.” I’m not trying to teach you to manipulate others.

But what should do you do when you feel someone is using these methods to try and manipulate you?

Don’t be hostile but be direct: ask them what they want. What are their goals in this interaction?

Here’s Robin:

The first thing I try to do is clarify goals. I’ll stop and say, “You’re throwing a lot of good words at me. Obviously you’re very skilled at what you’re doing. But what I’m really curious about… What’s your goal? What are you trying to achieve? I’m here with my goals, but obviously you have to achieve your goals. So if you can just tell me what your objectives are, we can start from there and see if we can mutually take care of them. If not, that’s fine too.”

I watch for validation. If someone is trying to validate me and my thoughts and opinions, I am alert to it. I love doing that as well. So now I’m looking for intent. Are you there for me or are you there for you? If you are there strictly for your own gain and you’re not talking in terms of my priorities ever, that’s when I’m seeing someone is there to manipulate me.

Want to build a connection with someone? Focus on trust, not tricks. That’s how you earn respect. Trust is fragile. And mistrust is self-fulfilling.

When you ask people what the most important character trait is, what do they say? Trustworthiness.

Participants in 3 studies considered various characteristics for ideal members of interdependent groups (e.g., work teams, athletic teams) and relationships (e.g., family members, employees). Across different measures of trait importance and different groups and relationships, trustworthiness was considered extremely important for all interdependent others…

(To learn how to detect lies, click here.)

That’s a lot more to digest than “Just be yourself” but far more effective. Let’s round it up and make it something you can start using today.

Sum Up

Here are Robin’s tips:

  1. The single most important thing is non-judgmental validation. Seek someone else’s thoughts and opinions without judging them.
  2. Suspend your ego. Focus on them.
  3. Really listen, don’t just wait to talk. Ask them questions; don’t try to come up with stories to impress.
  4. Ask people about what’s been challenging them.
  5. Establishing a time constraint early in the conversation can put strangers at ease.
  6. Smile, chin down, blade your body, palms up, open and upward non-verbals.
  7. If you think someone is trying to manipulate you, clarify goals. Don’t be hostile or aggressive, but ask them to be straight about what they want.

(For more insights from Robin’s book, click here.)

Robin’s a fascinating guy and we ended up speaking for over an hour, so the above is just part of what he had to say.

I’ll be sending out an extended interview in my next weekly email update.

To learn more from Robin (including the one type of body language that causes you to screw everything up), join over 130,000 readers and get my free weekly update here.

Monk’s House, la fabuleuse maison de Virginia Woolf

Les causettes de Célestine

Virginia Woolf est une femme que j’admire beaucoup et qui m’inspire autant qu’elle me fascine. Je reviendrai un jour sur ses écrits dans un article qui leur sera entièrement consacré mais aujourd’hui, je veux partager avec vous un moment fantastique et hors du temps: la visite de la maison et du jardin de cette immense auteure.

Voir l’article original 493 mots de plus

Crowdfunding culturel:6 récompenses par Rennes Métropole

LE BLOG DES INSTITUTIONNELS

logo Rennes MetropoleFinancement participatif de projets culturels

La Dynamo Culturelle : six projets récompensés

Les collectes des porteurs de projets inscrits dans la Dynamo Culturelle sur le site proarti.fr ont pris fin le 31 mai 2015. Au terme de cette première édition, six projets (sur treize projets inscrits) ont finalisé leur collecte participative et ont reçu, mardi 16 juin 2015, une dotation complémentaire de la part de Rennes Métropole et de la Caisse des Dépôts.

Une grande diversité de projets a été dénichée grâce à ce dispositif de crowdfunding initié par Rennes Métropole. À l’heure du bilan, la seconde édition de la Dynamo Culturelle est annoncée pour 2016. De nouveaux artistes de la métropole rennaise pourront prochainement se lancer dans l’aventure et, à leur tour, faire découvrir au public leurs projets culturels afin qu’ils deviennent réalité.

Une dotation complémentaire de Rennes Métropole et de la Caisse des Dépôts

Durant la phase de…

Voir l’article original 507 mots de plus

La Russie comprend bien la politique de Tsipras

World Vision

Moscou – Le chef de la diplomatie russe, Sergueï Lavrov, comprend bien la politique du Premier ministre grec, Alexis Tsipras, et espère que Bruxelles évitera à la Grèce un scénario aux conséquences néfastes, a annoncé lundi le ministère russe des Affaires étrangères dans un communiqué.

Sergueï Lavrov a exprimé sa compréhension pour les actions entreprises par Alexis Tsipras et espère que Bruxelles évitera un scénario aux conséquences néfastes pour Athènes, indique le ministère dont le communiqué fait suite à une conversation téléphonique entre Sergueï Lavrov et son homologue grec, Nikos Kotzias.

Les deux ministres ont également discuté des perspectives de développement des relations bilatérales, note la diplomatie russe, qui indique qu’Athènes est à l’initiative de la conversation téléphonique.

Tirant les conséquences de l’échec de cinq mois de négociations avec l’UE, la BCE et le FMI, Alexis Tsipras a provoqué la stupeur dans la nuit de vendredi à samedi avec l’annonce…

Voir l’article original 155 mots de plus

La Chine veut que la Grèce reste dans la zone euro

World Vision

Bruxelles – La Chine veut que la Grèce reste dans la zone euro et qu’elle parvienne à un accord avec ses créanciers, a déclaré lundi le Premier ministre chinois Li Kequiang, en visite à Bruxelles.

Ce que souhaite la Chine, c’est voir une Europe unie, une Europe prospère et un euro fort, a déclaré M. Li, car cela ne sert pas seulement les intérêts de l’Europe mais aussi ceux de la Chine et du reste du monde.

La Chine est devenue l’un des premiers partenaires commerciaux de l’Europe et détient de la dette européenne depuis longtemps, a rappelé M. Li, qui s’exprimait au côté du président du Conseil européen, Donald Tusk, à l’issue d’un sommet UE-Chine à Bruxelles.

De surcroît, c’est aussi une question qui concerne la stabilité financière mondiale et la reprise économique, a-t-il insisté. C’est pourquoi la Chine veut que la Grèce reste dans la zone euro, et…

Voir l’article original 148 mots de plus

Travail : surtout ne plus prendre de décisions…

Image actu

Absence d’une communication constructive, formation inexistante, équipements obsolètes, objectifs en augmentation et impossibles à atteindre… L’entreprise est souvent une mâchoire d’acier où il ne fait plus bon prendre une décision. Résultat ? La peur de perdre son job prédomine selon une étude menée par Epicor Software Corporation avec ICM Unlimited.

Le doute a des vertus, car souvent en poussant à l’enquête, la réflexion et la discussion, il fait avancer l’individu et bouger les lignes d’un cadre. Mais parfois, il inhibe. Par manque de temps, d’informations bien hiérarchisées, d’équipements performants et actualisés, de relationnel constructif et ouvert, d’ego mal géré ou d’objectif peu clair donc mal compris… c’est le blocage. Au point selon l’étude menée, auprès de 1700 personnes en Europe et aux Emirats Arabes Unis, par Epicor Software Corporation avec le cabinet ICM Unlimited (Creston Unlimited), qu’un employé de bureau sur 6 craint de perdre son emploi pour avoir pris une mauvaise décision (*).

L’ignorance nuit gravement à la santé, à la confiance et au bien être des salariés

Et pour cause, les résultats révélant aussi que plus des trois quarts des collaborateurs (79 %) ont déjà été amenés à prendre des décisions à l’aveugle au cours de leur carrière. Une absence d’informations qui devient vite une contrainte et qui pourrait avoir un impact sur leur santé et leur bien-être, selon 40 % des répondants pour lesquels prendre des décisions sans être suffisamment informés fait augmenter le stress à des niveaux inutilement élevés. Une inquiétude d’autant plus grave que souvent, il s’agit de décisions attendues d’eux et qu’ils craignent les conséquences éventuelles de leurs arbitrages non éclairés.

Ce qui n’est pas sans conséquence et à deux niveaux. D’abord, les collaborateurs répondent que prendre une mauvaise décision pourrait nuire à leur réputation (36 %), à leurs performances (29 %), voire leur faire perdre leur emploi (17 %). Ensuite, le niveau de stress qu’elle représente impacte l’entreprise elle-même : mauvaises performances en termes d’organisation (27 %), perte de revenu (22 %) et absentéisme (7 %). Un cercle vicieux qui développe une mise en échec quasi systématique et qui n’a qu’un seul résultat particulièrement négatif : le repli. Préoccupant, car l’autre risque encore plus pervers est de moutonner. Or, ce n’est vraiment pas bon pour une entreprise qui doit sortir du lot, en même temps qu’affronter toutes sortes de crises et de concurrences.

Un risque à éviter : le repli

Pourtant, malgré ces risques, les employés sont nombreux à devoir régulièrement prendre des décisions non éclairées puisqu’ils sont pratiquement un tiers (33 %) à le faire chaque semaine et 14% quotidiennement. Des résultats qui s’ajoutent à ceux d’une enquête de PwC en 2014 sur le décisionnel stratégique (Gut & gigabytes) et où moins d’un tiers des collaborateurs (32 %) indiquaient que les décisions prises dans leur entreprise bénéficiaient d’un niveau d’information élevé. Preuve que les entreprises utilisent et usent jusqu’à la corde leurs vieux outils, au risque d’être dépassées voire en danger. Et, en tous les cas de ne plus être autant, qu’il le faudrait, tournées vers la prospective et l’innovation.

Et c’est là qu’entrent en jeu les directions notamment celles des ressources humaines. Car à défaut de privilégier une approche hiérarchique solide sinon bienveillante et d’équipe homogène ou de stimuler les évolutions de carrière par des formations adéquates, elles peuvent -malgré la crise ou la réduction des coûts- investir à tout le moins dans des équipements ou des machines fondés sur les données et qui apporteraient une solution technique et simple au problème, sinon humaine. De fait, la majorité des collaborateurs pensent que la mise en place de meilleurs systèmes pourrait apporter une réponse et ils sont plus de la moitié (52 %) à suggérer de se tourner vers une solution technologique. Loin d’être surprenante, cette attente de modernité et de fluidité est dans l’air du temps et  normale de la part de collaborateurs de plus en plus ultra connectés. Elle est même à considérer sérieusement au sein des entreprises : ne sommes nous pas à l’heure si prometteuse des robots, des drones, des satellites et des objets connectés ?

(*) Enquête en ligne, réalisée en mars 2015 et en conformité avec les normes ISO 27001 et ISO 20252 : 1700 collaborateurs d’entreprise interrogés, dont 500 au Royaume-Uni et 400 sur chacun des marchés suivants : Allemagne, Suède et Émirats Arabes Unis.

 

FLORENCE BERTHIER

Après des études d’Histoire, elle bifurque vers le journalisme et se pique de publicité, de créativité, de marketing et de conseil média chez CB News. Chez INfluencia pas de pré carré, mais de la diversité et du décryptage encore et toujours. Son idéal.

Twitter : @Berthierflo

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