Archive December 2018

9 ways to get money to start

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For many people, starting a business is a constant issue, since putting your store to not depend on your work or want to start building a real business that you can live sounds great.


However, the salary is not enough to put to work that food business or the repair shop that you want to start.

Do not be discouraged! To start you do not need to have a fortune in the bank or wait for your lottery ticket to be the cash. In fact there are many ways to raise money in your daily routine that can help you start your business.

No matter how old you are, all you need to have is the desire and the right knowledge to start.

In the following article we give you some infallible tips so that you can collect money in your daily life. Know them and take them to practice so that you can be an entrepreneur.

1.- Teach a language

In Mexico there are a number of people from other countries who decide to stay and live. This may be your opportunity, since there are many teaching centers that look for people who teach the language without necessarily having a certification.

Also, take it as a good opportunity to relate and have an extra income that can go to your goal of entrepreneurship.

You can also give summer courses where you teach the language you know. Many mothers prefer to have their children learn something new than in front of the television or playing video games.

Take advantage of holidays in your free time and build a course or workshop of that language that you had a hard time learning. Take advantage!

2.- Take care of children

It’s not about making this a part-time job or something from the newspaper, you can just negotiate with the parents of the creatures for a few hours, either in the morning or in the afternoon.

This can be a good way to get extra money to invest and start your business. Also think that those who have children, regularly your circle of friends also has, so, if you do your job well, they could recommend you.

It is important that you consider the responsibility of taking care of children and having contemplated that you will first have to earn the trust of the parents.

3.-Walk dogs

Now that pets are part of the family and not just a decorative element, there are people who work during the day and have no one to walk their pets or who sometimes have to go on a trip and can not take them.

This work, apart from being very simple, the profits can be incredible, because not only can you walk a dog but several at the same time. Just show your responsibility to the owners and you will see how good it is going to go.

4. Make your hobby a source of income

If you play the guitar, you are very good at some sport or you know how to make cakes, teach what you know and what you like to do and get income.

If it is your case, look for one of those houses of culture in your neighborhood and ask if they do not ask a person to give a workshop of what you know how to do.

Another option is that, as with the language, organize summer courses in your home. You will be surprised how many people want to use their time to learn new things.

The coolest thing of all is that you will have a source of income doing what you like and maybe there is your business and your other vocation. Do not think it!

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5.- Turn your skills into a service

Surely you are good at doing something, repair things, know electricity and plumbing or have skills with sewing. Turn these skills into a service.

Surely your neighbor prefers to pay you to fix the drain of the sink that the plumber who charges “an eye of the face and does not solve anything.” If you have practice with the sewing machine you can go to the schools and offer the mothers to amend the uniforms.

Making your skills a source of income is not as difficult as it seems. We all have a friend who puts fingernails to the quinceañeras, follow their example and take advantage of your skills.

6.-Sell yourself

Take out the seller that you have inside and start selling what you want and how you want. One option is catalog sales.

Yes! They are a cliché, but ask your aunt if she does not do well selling quilts. Also, you will not do it forever, just as long as you gather the necessary resources for the business you want. Fulfilling dreams is easy but not given away.

You can also go to the Outlet of clothes and shoes to buy what was not sold in stores and that can still be used.

You will find items at very cheap prices and you can sell them among your acquaintances. Like the lady who sells mayones in your work.

Buy sweets and sell at the office. Surely in other jobs you had a companion who happened with his backpack offering sweets and after a while you had everyone asking for some churritos, a chocolate or a palette.

You can buy bags of sweets in places like the central supply, but the infallible are peanuts, fill small bags and sell at 10 pesos, you will see how little by little the coins bring you closer to your goal of saving.

7.-Lava cisternas

Believe it or not there are people who do not like to wash the cisterns and prefer to pay because someone else does. There you have a good business!

José Luis is a nurse in a hospital and on the weekends he has free he accepts to wash cisterns. Although it is an occasional job, when he does he is paid up to 600 pesos for washing a cistern.

He started by washing the cistern of a neighbor who paid him 300 pesos to wash the tank and then that neighbor recommended it to a friend. Now that it does better it charges more than 500 pesos depending on how large the water tank is.

You can follow the example of José Luis and offer your services as a cleaner, it does not have to be always. With what you do for a while you can reach to gather a very good little lanita. Do you win?

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8.-Rent a room of your house

If you have an empty space at home, why not adapt it a little and rent it. You will be surprised how many people are looking to rent a room.

Many are students who come from another state to study and can not cover the rent of an entire department.

Just get abused and put rules so it does not end in disaster, this way you can get money without having to work overtime.

9-Request a credit

Sometimes it is also necessary that you help with the use of some credit. Putting a business will probably absorb some of your savings and you’ll probably need another push.

The advantage of applying for a loan to start a business is that you will be investing it and soon that loan will be paying only and will also be making money to you. Think that you are actually multiplying that money.

Some government institutions have strategic alliances with Credifiel, if you work in the government, investigate and apply for a loan with very simple procedures so you do not stop your goals.

As you see you do not need to be the son of a millionaire or a super ticket to start building your own business, just put to work, you get creative and apply some of these tips to earn extra income and undertake something that benefits you in the future.


The 12-month Euribor will close for the first time at levels close to 0% in November

Economy / Finance.- The 12-month Euribor will close for the first time at levels close to 0% in November

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The 12-month Euribor, the index to which most Spanish mortgages are referenced, will close for the first time in its history at levels close to 0% in November and will lower mortgages by 163 euros per year.

In the absence of a day for the close of the month and with data on November 26, the monthly Euribor is 0.084%. The last daily value was 0.048%, after starting the month at 0.106%.

In this way, a citizen with a mortgage of 120,000 euros to 20 years and Euribor + 1% will get a reduction in their monthly fee of 26 euros or, which is the same, 163 euros per year.

XTB analyst Jaime Díez explained to Europa Press that the index has experienced a 50% drop since the beginning of the month “as a result of the proximity of the European Central Bank meeting” to be held on December 3 and before the ” high expectations “that the market has in the modifications that the president of the issuing institute, Mario Draghi, makes about the current QE.

In this sense, he recalled that of the eight Euribor references to different terms, only two maintain the positive tone – the Euribor to 9 months and the Euribor to 12 months -, placing the first in a “meager” 0.009%.

Díez pointed out that the direction of both references is also to end in negative, but has warned that we will have to wait for the ECB to lower, even more, the interest rate of its deposits at sight, currently located in the – 0.2%.

“The market expects a reduction next week to -0.3%, but Draghi could hint that such facilities may be even lower and that he will again act to sustain his word of raising inflation,” he says.

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Analyzing the consequences of this fall, the expert has indicated that the advantage of the Euribor being at such low levels allows families and companies to borrow or refinance their debt at more advantageous rates, with the economic benefit that implies, as well as having the possibility of undertaking new investments.

However, this downward trend negatively affects the banking sector, which reduces “even more” its margins. “You can already hear merger campaigns to weather the storm, which seems to be longer than expected and due,” he added.

On the other hand, the low rates also reveal two major problems of the current economy: the fear of financial institutions to lend money to other agents, which causes liquidity “does not go out to many circles”, and the lack of demand of credit.

“Neither companies nor families have completed their deleveraging and have no ability to get back into debt, and new companies are facing low demand, so they do not see the need to make significant investments,” he said.

Diez also stresses that in the case of governments, the current flow of strong austerity and compliance with deficit targets “is contrary to further increases in public debt, so that countries also do not take all the advantage possible to the credit facility that It exists in the market. “

Looking to the future, the analyst predicts that December will be “an uncertain month” for the Euribor, since the ECB could provoke a new acceleration of the falls. However, he anticipates that if Draghi’s message is not all that ‘dovish’ is expected, “a slight rebound could be appreciated after the sharp fall in November”.

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Take care of your finances


Take care of your finances

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Traditionally, Spanish consumers have made their economic and financial decisions based on what a friend or the director of their bank office said. But the financial crisis has shown that today everyone has to understand a minimum on accounts to get to the end of the month

Take care of your finances 

The crisis has shattered the trust that many people had deposited in their bank or savings bank as sole or main adviser for everything related to their money . 55% say they no longer trust their own entity , according to a survey by the consumer organization Ceaccu . And in a country where even university-educated people like doctors or lawyers admit not knowing much about accounts or finances , that means there are a lot of financial orphans , people who do not know what to have in mind or who to ask for an opinion when they have to make economic decisions . For this reason, the voices of those who for decades advocate that financial education in schools is now more common, and workshops on the subject are being organized in secondary schools, associations and professional associations. And there are also more people aware that the world of finance is not just a matter of the banks and the stock market , but it affects their day to day, the money they spend on fixed expenses , the resources they will have when they retire. , what they charge you for paying a receipt or for buying a refrigerator or a car in installments . But after this awareness many do not know what steps to take, how to obtain reliable information or who to ask for advice.

“, the internet portal created within the framework of the financial education plan of the Bank of Spain and the CNMV , can help a lot, because it gathers quite intelligible information on how to get to the end of the month, on the different financial products or how invest, and even a financial survival kit, “says Josep Soler , director of the Institute of Finance Studies (IEF). Actually, there are several websites on financial education and home economics , with informative resources, and many others that talk about finance and investment products. But Soler warns that the internet can be dangerous when looking for financial advice. “With financial health the same thing happens as with physical health: if you are sick and you start looking for information on the internet about what happens to you, you run the risk of self-diagnosing and self-medicating, which is not recommended because finances are never generic, depend on your circumstances, you need personalized solutions, “says the director of the IEF. His advice is to look for qualified professionals “just like if you are sick you go to the doctor”.

But outside the banks many people do not know who to turn to. “If you seek advice on a debt issue you can go to a credit intermediary, who must be registered with the Ministry of Consumer Affairs to be able to practice; and if you are looking for an investment adviser, it is best to choose one registered as EAFI (financial advisory company) in the National Securities Market Commission (CNMV) that sells products from any entity to offer you different alternatives for your needs ” , explains Jordi Paniello , president of the Professional Association of Investment Advisers, Financing and Judicial Experts ( AFI ).

The doubt that assails many consumers is to what extent these advisors are independent. “We could also ask if there are independent doctors, right? If when they send us to do tests, we really need them; What is clear is that the consultant must be required to be transparent, be qualified and tell them who they work for and that they are subject to an ethical code, “says Soler.

Of course, there are consumers who, due to the simplicity of their operations, may not need or can not go to an independent consultant to put their accounts in order or get more out of their savings. Fernando López , responsible for economic issues of Ceaccu, explains that you can always consult with a relative who understands a bit of the subject or with a consumer organization before making any important decision about your money or about a product offered by the bank.

But whether or not you have an advisor and whether or not you have a lot of dealings with the bank, you need basic knowledge about your own income and expenses needs , how to reduce fixed costs, the consequences of financing a purchase, the differences between financial products and others or what to ask before investing to avoid surprises. To contribute to them, ES is launching today a series of eight reports on home economics that will deal with how to detect the waterways of our family budget until when we are interested in changing the mortgage , going through what to look at before opening a bank account or if there are investment alternatives when deposits barely offer interest , among other issues.


Useful resources
The network is full of websites and financial blogs that encourage the reader to solve their problems with money but not all are up to the task. Here we collect some of those selected by the Institut d’Estudis Financers (IEF) in and other resources of consumer organizations.
The website of the CNMV and the Bank of Spain that allows you to learn how to make a domestic budget , classifies the information according to the stages of life, offers investment advice and facilitates tools to do your own calculations for retirement or to decide whether to amortize debt or invest, for example.
A website driven by Santander Financial Institute and professors and economists from various universities that addresses the simplest financial concepts: from the cost of a baby’s first year of life to what insurance is there, how a rent is updated, how taxes affect, what types of bank accounts exist …
A blog by Joan Lanzagorta , personal finance advisor, which addresses concepts related to home economics such as how to spend money, recommends books and helps understand the economic situation.
A website funded by the government of the United Kingdom to teach citizens to make better use of their money. It talks about loans and investment but also about the impact of the birth of a child or a divorce. It is in English and the issues related to pensions or administrative procedures are only applicable to the British.

-Guide for vulnerable savers
A manual prepared by Ceaccu ( that explains how to differentiate investment products to what guarantees each one has or what information we should know and demand from banks.

– “Financial stoplight”
A tool by Ceaccu ( that helps to easily assess, with the three colors of a traffic light, the five essential conditions (security, liquidity, profitability, taxation and guarantee) of the savings products more common.

LV 20141107 LV FOTOS D 54419044105 992x558@LaVanguardia Web

Finance your work – Housing, Housing (1882)

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-Help of the ANAH (National Agency for the Improvement of the Habitat)

The building must have been completed for more than 15 years and the dwelling occupied as a principal residence for 9 years after the work. It is granted under conditions of household resources (annual taxable income of € 12,589 for a single person and up to € 37,105 / household of 5 persons).
The aid is capped at 70% within the limit of 8 000 € of subsidisable work.
However, when this ceiling of work is reached and the occurrence or the evolution of a handicap necessitates new developments, the Housing Improvement Commission can, on a case-by-case basis, reduce the period of 5 years normally necessary. before filing a new file.
In the event that the completion of the work is accompanied by minor work, the subsidy rate for accessibility or adaptation work for persons with disabilities may be applied to all the subsidized expenditure, in the ceiling limit of € 8,000.
The ANAH’s assistance can be combined with the zero-interest loan if the disability occurs after the entry into the premises and, under certain conditions, with the common law premium (for safety work, sanitation, etc.) .

-Tax credit

For his principal residence, the taxpayer can benefit from a tax credit of 15% for the installation of an elevator (the building must be at least 2 years old), and 25% for work related to equipment specially designed for the elderly and disabled. This tax credit is applied to the amount of equipment up to a ceiling and after deduction of premiums and aid provided to the taxpayer.

5.5% VAT

It applies for the installation of a lifting appliance (meeting the standards) and other adaptation work, if the dwelling is at least 2 years old.

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Convention Loan (PC) and Social Accession Loan (PAS)

They make it possible to finance the work of adaptation of the housing without condition relating to the age of the housing. The disability must have occurred after completion of the construction and the person can not simultaneously benefit from a zero rate loan. On the other hand, cumulation possible with the aid of 1% (subsidy or loan).

– Loan or subsidy of the 1% housing

Amount is capped at € 9,600 / dwelling with a possible increase of € 16,000 and within the limit of 50% of the cost of the work (60% under certain conditions of resources). Prior opinion of specialized agencies is required.
If the beneficiary is an employee of a company in the reporting sector, it is possible to benefit, subject always to prior notice, from a Pass-Travaux loan (at a rate of 1.5% plus, where applicable, the increase of € 16,000 for specific works).

-Help ALGI

To qualify, you must hold an 80% disability card and do work in your main residence. The loan or subsidy is granted according to the works and without means test. The amount of the aid is capped at € 16,000 (maximum of 50% of the amount of the works).


-Help of the ANAH

The building has been completed for more than 15 years. The unit must be rented as a principal residence for 9 years after the work. The lessor is subject to the annual contribution on rental income. The aid is granted up to 70% within the limit of 8 000 € of subsidisable work.

-Credit tax and VAT at reduced rate

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Private sector tenant

The tenant benefits from the reduced rate of VAT, the tax credit and the devices of the 1% housing under the same conditions as the landlord. As far as the ANAH’s help is concerned, it is necessary to have the written agreement of the lessor.
-The loan Pass-Works of the 1% housing
-Help ALGI
In the same conditions as for the owner occupant.

Accessing the property

-Zero rate loan

For the construction of a new home, it is possible to integrate the work of accessibility to housing into the financing plan. The condition of first-time accession is here suppressed.

Useful contacts

  • ALGI : 11, rue Saint-Florentin 75008 Paris Tel: 01 42 96 45 42
  • ANAH : National Agency for the Improvement of the Habitat Site:
  • ANIL : National Agency for Housing Information Site:
  • Ministry of Cohesion of the Territories:
  • AFM : French Association against Myopathies 1, rue de l’International PO Box 59 91002 Evry Cedex Tel. 01 69 47 28 28 Website:
  • APF : 17, boulevard Auguste Blanqui 75013 Paris Tel. 01 40 78 69 00 Website:
  • CICAT (Information and Advice Center for Technical Aids)
  • CFPSAA : French Confederation for the Social Promotion of the Blind and the Amblyopes
    6, rue Gager-Gabillot 75015 Paris Tel. : 01 45 30 96 12 Website:
  • UNISDA : National Union for the Social Integration of the Hearing Impaired 37, rue Sébastien 75011 Paris Tel. Website:
  • PACT-ARIM : 27, rue de la Rochefoucauld 75009 Paris Tel. 01 42 81 97 70 Website:


Mental disability, a priority for the League Against Cancer

Image result for mental disabilityIt is estimated that 7,000 people with intellectual disabilities are affected each year by cancer. An issue that the Ligue contre le cancer has made one of its priorities. Interview with Christophe Leroux, director of development. In May 2015, the League against cancer launches a crowdfunding campaign (crowdfunding) with the aim of creating the site “Oncodéfi” (article in link below) dedicated to the prevention of cancer in the deficient persons intellectual. Can you remind us of its purpose?

Christophe Leroux: In France, there is no specific documentation for people with intellectual disabilities related to cancer. “Oncodefy” aims to fill this void. Designed as a health education tool, it will contain information on screening, good practices to adopt, early diagnosis … All in a didactic way. There will even be the opportunity to listen to the content instead of reading it. People with mental disabilities need to be able to understand the information, but it is also an opportunity for health professionals to bounce back and share their experiences. Where is the funding?
CL: To be honest, we are very disappointed. This subject is hard to interest the general public and the media. The crowdfunding campaign is not over, it is still possible to make donations. And, if we fail to achieve our goal, we will restart the device in September 2015, including via social networks. We must challenge the press but also the public authorities. We rely on our network of nearly 700,000 members to relay the information. We wish to show our interest in these people who accumulate problems, cancer and disability. It’s really important. Why did the league decide to step up on this topic?
CL: Dr. Daniel Satgé, a specialist in cancers for people with intellectual disabilities, has been carrying out the Oncodefi project for seven years. If we compare with the general population, we observe an unbearable health inequality. Doing nothing is forgetting those people who have little or no access to prevention messages. We hope that the site is only the beginning of an ecosystem where we would like to bring together health professionals, general public and social workers to investigate this field. If we solve this inequality, we will solve all the others. Cancer in people with intellectual disabilities: how is the phenomenon quantifiable?
CL: Unfortunately, there is no study on the subject. However, it is estimated that, out of 1.5 million people with mental disabilities, in France, 7,000 of them are diagnosed with cancer each year. For information, this figure is 1,000 per day for the general population. It is also known that six out of ten patients are treated through screening and early diagnosis. It is estimated that patients with intellectual disabilities, who are too late in cancer progression, have less chance of recovery. Are these people more prone to cancer?
CL: Alas, yes. They are more often confronted with risk factors, such as alcohol, tobacco or obesity, which promote the development of cancers. In fact, some specialized centers provide cigarettes to their residents. I do not throw stones at them but it shows great failures in terms of awareness. In addition, in the case of people with intellectual disabilities, the messages penetrate less and they are very little informed. Society, in general, feels uncomfortable talking to them and advising them to stop smoking, to play sports. While saying not to drink to a pregnant woman or a child is more rooted in morals. How is screening difficult to implement?
CL: Letters are sent to invite the population to be tested for free in two cases: for colorectal cancer from 50 years and breast cancer in women over 50 years. Many already have a hard time understanding what it is, so imagine for people with intellectual disabilities! And if, in addition, they have no family … We often miss completely and their rate of participation in screening is insignificant. The report is almost identical concerning the taking of vaccines. It is sometimes difficult for them to express their ills …
CL: Indeed. First, they are not sensitized. A woman who has never heard of breast cancer will not be screened. Second, they also suffer from other ailments related to their disability. The hierarchy of traumas is not established in the same way. Do some cancers develop faster or more often than others?
CL: There are no statistics on this, but scientifically, no. It all depends on the way of life, as for everyone. There is no cancer of the mentally handicapped person. Oncologists and doctors are they trained in their care?
CL: For the most part, we have never explained to them why this problem is important. It’s not malevolence, it’s just that they do not know. This is why bringing together health professionals and social workers on one platform is interesting; they will be able to share their knowledge on points to which they have not necessarily been sensitized. In the long run, it is hoped that this can be good for health in general, diabetes, cardiovascular disease, not just cancer.

Image result for mental disability Are there specialized centers that are better able to accommodate these people?
CL: In the 19 cancer centers, for example, there is most often adequate care; this usually depends on the department heads. The situation is identical in most public hospitals, but specific devices are too rare. How do you adapt as a doctor?
CL: It is essential to have an accessible dialogue based on the person’s disability. Do not hesitate to get help from people, like relatives. Is there a specific cancer treatment process in place for some? Especially for those who may be violent or do not want to be treated.
CL: In France, anyone should benefit from the best treatment; there is no reason that it is not the case. Then, again, the dialogue is essential to make the patient understand the disease because he may very well refuse treatment. In some cases, the problem may arise when two treatments are combined: the one related to disability and the one related to cancer. If possible, the choice must be made to the patient. Should we promote a particular treatment?
CL: There is no rule; it all depends on the type of disability. As we say in jargon, we evaluate the benefit-risk. If the treatment of cancer is vital in the short term, it will pass the one related to disability. On the other hand, for a schizophrenic for example, if the risk of a passage to the act is more important in case of treatment of the cancer, one will adapt the various treatments to all the constraints. But, as for the general population, choosing can be the result of long discussions where all the parameters must be taken into account. And decisions are not always easy to make. In case of chemotherapy, is treatment more difficult to live with?
CL: As for the general population, the reactions are relatively different. It can be observed, however, that people with intellectual disabilities are generally less suspicious of doctors. Conversely, can cancer cause a mental handicap?
CL: Indeed, and this, from the infant to the elderly person. When the brainstem is affected, this can lead to many deficiencies; for example: blindness, impaired cognitive abilities … But, rest assured, the progress is spectacular including for cancer sites that previously could have serious consequences “peripheral”. Cancer is a serious disease but one that can be cured more and one that can be avoided even further. It is up to us, collectively, to ensure that people with intellectual disabilities are not excluded from all progress (treatment, prevention, screening, etc.). This is one of the bets the Oncodefi team wants to take up with the league.


Indifference in the face of disability: collective hunger strike

indifference face au handicap greve de la faim collective 9947

To support two families without solution, associations and a collective mobilize and start a solidarity hunger strike. They are trying, by this desperate act, to challenge the Government, which reacted immediately.

Elisabeth, mother of Romain, and Jennifer, Morgan’s sister, will start a hunger strike on Monday, June 19, 2017, at 9 am, place de la République, in Paris. All week, maybe more. But they will not be alone … It will then be Céline’s turn in Agen then Jean-Michel and Sylvie in Villeneuve-sur-Lot, Karine Albi … In total, eight people will take turns in this strike of the hungry ” solidarity “.

A solidarity hunger strike

Their claim? To challenge the President of the Republic and his government on the ” flaws of accompaniment, care and places in small institutions adapted and human scale that push families to terrible acts of desperation “. We owe this initiative to the Emilie Collective, which supports parents of children with disabilities, and several associations *; they decided, by this desperate act, to support Elisabeth and Jennifer who sent letters to Emmanuel Macron and his government, remained for the moment unanswered. The motto of this mobilization: ” Stop indifference to difference “.

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Open letter to the President

In an open letter sent on June 14, 2017 to the President of the Republic, are cited the cases of autistic young Morgan of 23 years in the Landes, Romain young autistic 15 years in the Val de Marne, Donovan in serious disability in the Landes, Lucas autistic child of 3 years in the Pyrénées-Atlantiques. All are waiting for places and solutions. Like so many others … For months, these families have been accompanied and helped by the Emilie Collective. ” Until then, exchanges and collaborative work were possible with the former government and the Elysée , the letter says. Since your election and the setting up of the various ministries, we have, as only return, a screed of lead heavy of sense and consequences. “This hunger strike is a response to” closed doors and inertia. ” The signatories say, ” We will not cancel it.”

The smoldering fire

No question, according to his editors to be content with ” polite and courteous responses, a language of politician wood or hypothetical promises to extinguish the smoldering fire .” And to remind Emmanuel Macron that he has ” publicly committed to disability “, defined as one of the priorities of his quinquennium. They now demand ” strong and immediate acts “. ” The austerity policies carried out so far and the total lack of a real disability policy have led parents to put their lives in danger by climbing cranes in protest, others to end their lives ” Continues the letter. She asks, ” How many tears of rage and despair thousands of families ? “.

Call for general mobilization

Faced with this, the collective hardens the tone and intends to watch during the whole of the next quinquennium ” that a civic life, dignified and fair is applicable to all and is not the subject of a simple election promise and a communication operation with the appointment, as Secretary of State, of a mother of a child with Down Syndrome “. In conclusion, this open letter calls all citizens who recognize themselves in this struggle to the general mobilization. She has already received the support of several political figures.

The office of the State Secretariat for Persons with Disabilities was immediately alerted on the subject and is in the process of dealing with the situation. He contacted the people concerned.


The draft law on disability from Tuesday to the Assembly.

Image result for law on disabilityhe integration of people with disabilities is one of the three major projects of Jacques Chirac’s quinquennium. This text raises, beyond a consensus on many specific measures, the discontent of associations.

PARIS, May 29 (AFP) – MPs will consider from Tuesday, at first reading, the draft law for disabled people who, beyond a
consensus on many ad hoc measures, still arouses the discontent of the left and the associations concerned.
Presented as the centerpiece of the integration of the disabled, one of the three major projects of Jacques Chirac’s five-year term, this text establishes a disability compensation service aimed at providing individualized responses in terms of equipment. or human help.
During the examination in committee, the deputies wished to extend considerably the scope of this measure, already widened by the senators in February.
They first adopted an amendment allowing this benefit to be provided in cash, not just in kind, so that the beneficiary “has more flexibility to use it as he sees fit,” says the rapporteur. Bill, Jean-François Chossy (UMP, Loire).
Above all, they voted for amendments to remove the age and resource requirements of the original text. But these initiatives, such as the reduction to 5.5% of the VAT rate on technical aids (armchairs
etc.), could run into the application of article 40 of the Constitution, which prohibits parliamentarians from exacerbating public office, unless the government agrees.
Mr. Chossy declares himself “rather contrite” by this problem, stressing that this threat is agitated “at each line” while the text is supposed to be financed “by a new deal”, the National Solidarity Fund for the autonomy, which must be fueled by the product of the “solidarity day”.
The problem of financing is obviously raised even more vigorously by the opposition, which is also worried about the one posed by the tens
decrees of application that will be necessary later.
There are two other important parts to the text.
First of all, it is the creation of departmental houses for the disabled, a kind of one-stop-shop for information to simplify administrative procedures.
The text also proposes numerous measures to facilitate the accessibility of the disabled, both in buildings and
only in the worlds of education or work.

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Well aware of the problem of the decrees of application – the founding law of 1975 still awaits some – Mr. Chossy proposed an amendment obliging the public authorities to publish them this time within six months after the promulgation of the law .
Beyond these concerns, the left expresses global dissatisfaction, joining most disability organizations, some of which
will demonstrate Tuesday in Paris.
PS deputies are “very reserved,” says Hélène Mignon, who “does not understand” the refusal of the government to adopt the broader concept of “people with disabilities” instead of “disabled people”, as the have done the World Health Organization (WHO) and the European Union.
“This law lacks breath and ambition,” says Daniel Paul (PCF), for whom the text retains “an outdated medical definition”. According to him, people with disabilities demand “social justice and
While sharing these criticisms, Claude Leteurtre (UDF) considers that this text “will be a good law” and believes that his group will vote for a favorable vote.
df / FA / thm

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Isabelle (Koh-Lanta):My disability put me on the sidelines

isabelle koh lanta mon handicap me mettait en decalage 7734The first disabled candidate of the Koh-Lanta adventure show, Isabelle Haouzi, hearing impaired, was eliminated this Saturday, May 23, 2015 after 15 days in Malaysia. The 50-year-old looks back on his experience, his deafness, his You are very hard of hearing; so explain to us how you can hear me on the other end of the line.
Indeed, I have a digital device in-ear (discreet, it slips inside the ear canal, ed) that allows me to call without worry. Finally, with one exception: I must move away from the handset and put the speaker to avoid feedback. You did not experience your handicap until very late …
IH: Yes, I took a lot of time to take care of myself. I felt that my hearing was gradually deteriorating and that I began to become dyslexic, which, moreover, made my entourage laugh because I answered by the side of the plate when they asked me a question (laughs). It was only between 35 and 40 years ago that I had a hearing aid. Yet I already had two deaf people in my family. What do we feel when we find the use of a meaning?
IH: It’s beautiful! Of course, I was attacked in the early days, but now I am lost without my camera. And, important thing as a teacher of modern jazz, I found a better balance. What made you decide to apply to participate in Koh-Lanta ?
IH: I think I’ve been watching the show since its first season. I like adventure and, frankly, I saw it. Also, it was important to me to represent the deaf community, community that is dear to me. It’s been a few years since I registered but it never materialized because I was always very busy. Except for this season! Have you received the support of your loved ones, and especially that of your three children (aged 33, 30 and 23, ed)?
IH: I admit that they were a little surprised when I told them the news. Even if the reaction of my second boy was more nuanced because it is very protective, everyone was very happy. It was a little harder when I left for the island but they said they felt a lot of pride. And then they knew how to find the words to cheer me up when I came back …

Image result for isabelle koh lanta Tell us your first impressions before jumping into the water to reach the island.
IH: I was in it! There is a little apprehension at first because we do not know where we are going but I felt like a child who discovers Disney! Have you decided to talk immediately about your handicap to your teammates?
IH: Exactly, it was useless for me to hide it from them. In the late evening, I removed my camera and I wanted at all costs to avoid that they say to themselves “But what’s she doing here?” If I ever did not answer them. I felt a great respect from them for my deafness. There has never been a word about it. Do you find that being hard of hearing has served you?
IH: Yes, I think. I do not hear as fast as others and when the conversation is long, I sometimes lose the thread. I shut up a little. In addition to being the only disabled participant in competition, you were also, at age 55, the dean of the show. An additional “handicap”?
IH: I was proud to be the dean! After, necessarily, it’s not easy; I’m not 20 anymore. Being a woman played too. I am not a force of nature as can be Bruno despite his 52 years but I think I had the potato compared to some young people who were sometimes more tired than me. Which feeling prevails: the satisfaction of having stayed so long or the frustration of having been eliminated so quickly?
IH: Very sincerely, I am proud of my journey. It is a very beautiful therapy that allowed me to understand many things about me. Since then, I have found more calm, serenity. Participating in Koh-Lanta was better than I imagined. If I had a regret, it would be that of not having had enough time to make me known. Many people did not like Moundir (candidate in 2003, 2009 and 2014, ed) during his first participation and have since changed their minds because they know more about him. I think I’m in the same situation as him at the beginning. One of the candidates described you as “Calimero”. Did it touch you?
IH: It hurt me a lot, it’s true. But I forgave Margot without problem after she apologized to me. It did not affect me more than that; I know where I come from. I have overcome everything in my life, I am a dance teacher despite the fact that I am hard of hearing … And then, I know who I am, I have a heart in gold, I am a positive person. If we offered it to you, would you go back?
IH: Ah, I say yes right now! Especially that I would have the experience of my first participation. What would you do differently?
IH: I’ll be faster. At first, we do not really know how to be, if we have to say such things or not … I’m not a very strategist and I think I learned to be a diplomat too late (laughs). We know that participating in a reality show can be a stepping stone to the small screen. What will happen to you?
IH: That creates cravings, actually. I would love to play an advertisement for a hearing aid or work as a dance teacher on TV. I am a big fan of Dance with the stars! I’m waiting for something to be offered to me A wordy (laughs). After, I also have another project that has good chances to materialize.

Image result for isabelle koh lanta What is this project?
IH: With the association “Mieux vivre” (which created the French School of Sign Language, editor’s note) , of which I am a member, we would like to put on a dance show with deaf and hard-of-hearing people for July 2016. I am in fact being trained at the LSF in order to be able to communicate with them more easily. It remains to write a synopsis and find a room in which to repeat but the idea begins to make its way. It is customary for each new person arriving in a group of deaf to be given a sign. Which one is yours ?
IH: They name me with the sign “smile”. A positive sign, like me (laughs). I am not “Isabelle smile” for nothing!


Bruno Le Maire would make disability his great national cause

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Which “Disability” Program for All Primary Candidates Republicans? Bruno Le Mayor expresses himself. If elected, he intends to make disability the great national cause of his five-year term …

In view of the 2017 presidential elections, wishes to give the floor to all major party candidates, as well as to the declared candidates, on their disability policy. We have submitted the same questionnaire to them in writing, and publish the answers as they were given to us, without retouching.


Unlike previous elections, several candidates for the next presidential election seem to want to speak more about the issue of disability. Would some politicians have realized that 10% of the population is an electorate that can not be neglected?
Bruno Le Maire:
I carry a political project that is addressed to all French people, without exception. There is no question of further cleaving the population or failing to address the concerns of many families living with disabilities on a daily basis. Since 2012, during my travels, everywhere in France, I met families, children, adults with disabilities who questioned me about their difficulties, their worries, but who also have the rage to fight, envy, energy and proposals to move forward, hope that things change. The presidential contract that I propose to the French results from these meetings, from these discussions and from the conviction that disability is part of our life and founds a personal identity that is a rich learning experience for others if it is shared. I will make disability the great national cause of my five years to change the political message, carried by elected officials, business leaders, artists, athletes, women and men who, by asserting their differences, will advance the mentality. For that, it is not necessary to adopt a new law but it is necessary a clear political will and concrete means of action to ensure the effective implementation of the principles of autonomy and accessibility posed by the 2005 law. A policy centered on pedagogy, awareness raising, the training of all actors with incentives based on exemplarity, innovation and good practices. Throughout our territory, solidarity is expressed through local initiatives: temporary reception systems, relays, respite to support families, businesses that allow people who are distant from work due to their disability to find a home. work and the pride that goes with it, students, researchers who create digital tools to facilitate the communication of people who are deprived of it. I believe in the will of the actors on the ground. Let’s empower them to transform society. The society we want is a just society where everyone finds their place and their pride!

Image result for Bruno Mayor In this primary, what sets you apart from other LR candidates on the issue of disability?
BLM: It is not a question of distinguishing oneself but of answering the concerns and the priorities of all the French people who are education and employment. Education is at the heart of my project. In order to fight against too often depraved representations, discriminations that still affect too many people with disabilities, to build a society open to differences, it is essential to act from an early age in school. I want to finish with a school that “sorts” and build a school that opens. Attention to education for children with disabilities is paramount: training and support for teachers, professionalization of carers, development of resource centers and expertise to schools. Access for people with disabilities to initial and in-service training is the safest way for them to acquire skills that are sought after in the labor market and adapted to the needs of businesses. Rather than social assistance for all, our project aims to allow everyone to have a job and the pride of living from this work. Social assistance must go to those who need it most, and solidarity, which is the pride and strength of our Nation, especially to people with disabilities, must be meaningful. What would be your flagship measure in terms of disability if you came to power?
BLM: In terms of method of government first of all since this subject deserves to be raised to the highest level of the state and systematically included in the bills debated by the assemblies. In all cases, the common law must prevail over any other form of derogation or specialization of the accompaniment. An interdepartmental action plan will set objectives opposable to each of the departments on the subjects identified as having priority: education, employment, justice, health, environmental accessibility. One of the flagship measures that we will present will be for families to support them and guarantee quality and continuity of support by putting an end to the social security contributions for home-based employers at the SMIC level, ie € 2.42 / hour. ‘saved. The education project and the reform of our education system will also be a priority. Should we really throw the stone to the government of Manuel Valls in terms of accessibility of public places when he inherits a situation that has fallen behind in other majorities than his?
BLM: A new setback, on the respect of clearly established obligations, would lead to a long-term discrediting of the objective of accessibility. Dialogue and prevention actions before the deadline have to be put in place, in a targeted and relevant way. The principle of reasonable accessibility must be supported and financially supported, and the financial penalties must be applied in order to reinject these sums to finance actions to help accessibility. Several French cities have shown the way by drawing inspiration from the good practices of our European neighbors, we must strengthen this movement. Because school is the nerve of the war in terms of inclusion, “a” flagship measure for the education of children with disabilities?
BLM: As I have already pointed out, this is for me, and above all for the families and children concerned, the priority project. Learning is not just about acquiring knowledge, but also know-how and knowing how to be in society. All children with disabilities are able to learn and progress, but they need a much more structured educational environment adapted to their functioning. Each student must have an “individualized learning plan”, arranged with him and his family. The school system must seek active collaboration with the family. The school integration project, developed as part of a strengthened collaboration between the school and the specialized structures, must be fully integrated into the school project and be implemented by a staff (management, teachers, auxiliary staff). specially trained school children (AVS), paramedical professionals, etc.). To make the school more inclusive, it is important to recognize the function of the AVS as a profession, but we must also strongly involve the teachers who are responsible for the pedagogical situations. Nothing can be done without the help of teachers, and without an evolution of their approaches. For this, we will renew the policy of initial and continuous teacher training.

Image result for Bruno Mayor Because the unemployment of disabled people is twice the national average, what would be your priority measure?
BLM: Unemployment is a scourge for French society as a whole. However, the President of the Republic does not create growth or employment. Its responsibility is to create the most favorable environment possible for companies and to revolutionize the education system. If the access of people with disabilities to training is essential to enable them to have skills, it is also necessary to help companies better understand the realities of disability by informing them and guiding them in the process of professional integration. sustainable development of employees with disabilities. We can also reduce the cost of work by decreasing costs and financial assistance in a targeted and personalized way. This financial aid does not weigh on the public finances but corresponds to the “repayment” to the employer of a part of what would have cost the reception of the person in ESAT (establishment and help service by work) by example, or leaving the job. The Republicans had the distinction of being the only party to have a movement activist activist as Handipop, which was the voice of people with disabilities. Would he have disappeared?
BLM: This movement of right-wing elected representatives has not disappeared, and remains a source of reflection and proposals on the issue of disability. In my political team, elected officials carry these subjects, like Damien Abad or Mathieu Annereau. Unlike American candidates who have not shone by the accessibility of their campaign (article in link below), do you intend to make an effort in this direction, for example velotype at conferences, websites to standards, accessibility of meetings, so that people with disabilities can also take part in the democratic debate?
BLM: I am the only candidate to have officially asked the organizing commission of the primary accessibility of the debates, via a transcript in sign language and a suitable subtitling. The request has been transmitted to the television channels, with the result that we know. We still have a lot of progress to make in France in this area, and particularly on the representation of disability in the media. Anything else to add?
BLM: We need to change and renew the political class so that it is more representative of French society. I met thousands of people, some with disabilities, who want to change things and who believe in the project that I wear: they join us!

Blind Cycling: The Climb of Ventoux in Tandem

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“Tandem”, a brilliant documentary, traces the ascent of Mont Ventoux by Jérôme, blind, and Guillaume, his team-mate, keen on cycling. To watch on the occasion of the arrival of the stage of the Tour de France at Mont Ventoux on July 14, 2016.

“Before embarking on this adventure, I did not even know that Mont Ventoux was the Mecca of cycling,” confesses Jerome Adam, smiling, in Tandem , the documentary that traces his rise in tandem with Guillaume Buffet. On June 22, 2015, the two teammates faced 1,800 meters of elevation gain to reach the summit. Jerome and Guillaume are producers of the series J’en crois pas mon yeux (JCPMY), whose episodes depict, with a lot of derision, the most comical situations in order to educate companies and the general public about the issue of disability. at work (link below). Very touching, Tandem details, in 26 minutes, their training, their joys and their difficulties during this very special challenge.

From personal challenge to collective adventure

At the origin of the project, a kid’s dream; Guillaume Buffet, passionate about cycling, wants to travel the 22 kilometers that lead to Mont Ventoux, whose summit exceeds 1,900 meters above sea level. The idea of ​​a tandem climb offers an additional motivation that finally convinces Jérôme, his team-mate, who has been blind since he was 15 years old. In a week, the file is mounted while a crowdfunding campaign necessary for the realization of the documentary is launched. “By making this film, we could make this challenge a collective adventure,” explains Jérôme. We wanted to give people fishing. “

All different in the face of the unexpected

What do you feel when you pedal at this level without seeing the scenery? “I had an impression of real pleasure and sharing, I felt surrounded by people who encouraged me, says Jerome . Conversely, Guillaume sometimes felt oppressed. Physically, I was not surprised by the difficulty of the effort because I trained hard for six months. ” Meeting with a sports coach, stress tests … Everything is related in this positive and stimulating video. The management of the unforeseen, thematic often addressed during conferences given in company by Jérôme, is also put forward. “Whoever is supposed to be the strongest is not always the best equipped to handle the unexpected,” he says . During the ascent, we both had to work our letting go in different situations. I had to trust him in terms of mobility, orientation; Guillaume could have more trouble in case of supply problems .

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Carry team spirit in a company

Tandem , so it’s a story both sporting and human. A challenge sublimated by Henri Poulain, perfectionist director, who did not hesitate to use the big means – drone, camera on board, long focal length – to end up with a very cinematographic film, with the images of a bluffing quality. Just a dose of humor and emotion, Tandem , for sure, would have its place in an adventure film festival. If extracts were taken by some TV channels, the documentary is mainly intended to be projected in a professional environment. “To confess one’s limits, to have a team spirit, to put forward complementary skills … That’s what I try to convey during my work in the company,” says Jérôme. Disability is managing everyday constraints. It makes you stronger, more able to handle unexpected situations.
After an initial broadcast in June 2016 at a computer giant, which organized before the projection a “Day of Digital Accessibility”, the documentary will be screened in large companies in the fall. Available on Youtube (below), the film could inspire more than one …