Tip No. 1: Do something …
The idea is that by doing something, anything, it starts moving. And that movement is better than inaction in the face of piles of things going on that pile.

Tip No. 2: Do nothing.
But really. Do not really do anything. Do not watch lists of file, to-do and other sights. Do not talk, do not listen to music, do not drink coffee. Close the office door. Do not do anything for 15 minutes. Breathe, relax. Retrieve.

Tip No. 3: Move.
By moving it aerates the brain. By aerating the brain, physical activity, it is prepared to consider. To sit facing his desk, it closes the mind and body.

Tip No. 4: Take notes.
Please take with you a way to note these damn ideas when they cross the mind. When motivation down, it’s time to dive back into these notes, and choose an activity that is both useful and “fun” and therefore more motivating. And in addition, taking note of anything that comes to mind, it gets rid of the anxiety neurons to forget this idea so brilliant …

Tip No. 5: Imposing deadlines.
The best motivation for many of us is the pressure of a deadline. Whether a meeting, a presentation of a document to send. Deadlines can be “short term”, as stored in his office 15 minutes, write a summary in 30 minutes …

Tip No. 6: Enroll a colleague
It is a means of strengthening the trick last time. By informing a friend of a period, a date for which he will have something to read … you put extra pressure. Seem ridiculous compared to other, nothing worse. It does everything to avoid this situation.

Tip No. 7: Connect music.
This trick depends on the people, but music can help. It can calm and / or awake. It can also cut the world around you, and paradoxically help you dive into work.

Tip No. 8: Take a vacation.
When you’re tired, we worked for months, there is a decrease, not motivation, but simply of the available energy … Go on a long we in holidays, it can help recharge the batteries, and thus leave to the assault upon the return made.

Tip No. 9: Do something else …
We can no longer be justified simply because one is tired of doing the same thing. And if there was somewhere a different project, again, that kind of boredom of everyday life?

Tip No. 10: Do something for someone.
This thing is not necessarily professional. This can be volunteer. But in any case, it is an activity that is not centered on your business. This may be a surprise to a family member, a neighbor …

Ready to entrepreneurship (PCE) facilitate entrepreneurs’ access to bank credit.

The characteristics of PCE
- Loans granted without collateral or personal guarantee, in addition to a bankable medium or long term, at least twice the amount of PCE or at least equivalent in sensitive urban zones.
- Amount of between 2 000 and 7 000.
- Duration: 5 years. Deferred repayment of 6 months, followed by 54 monthly installments.
- Same as the rate of bank loan matters (floor rate equal to the rate on government bonds with 5 years plus 1.7%).
Interest
In terms of creating more than the initial bet, the higher the chances of survival of the young company growing. Proof: Only 45% of entrepreneurs who started with less than 7 500 euros spent the 5 years, against 55% for those who have invested more, according to a study published in 2006 by INSEE. The PCE, credit implemented by the OSEO group, has been designed to enhance the liquidity of companies being created. It finances primarily the material needs related to the launch of the business (working capital, start-up costs, purchase of computer software …).
Conditions
The PCE, which must accompany a bank loan, is for companies within 3 years showing a positive result (when the activity began). Excluded are agricultural enterprises, financial intermediation, promotion or rental property. Only artists who have not yet obtained a bank loan are eligible. In addition, the applicant must not direct or control another company. Finally, since 1 May 2008, total resources injected into the project (personal contributions, loans …) should not exceed 45 000.
The procedure
The PCE is obtained either directly from a bank or by contacting a support network for entrepreneurship (eg stores management). Funds are available 10 days after decision of the bank.

Since the entry into force of the law for economic initiative from 1 August 2003 and that of August 2, 2005 for SMEs, some provisions concerning the rate of wear have been altered.

Thus Article 32 of Law 2003-721, noted: “with regard to loans to businesses, this section repeals the crime of usury, while maintaining the display of incorrect percentage rate, and limited to the latter offense may seize the Advisory Committee on the rates of lending money, said commission to wear. ”

On the one hand, the consumer code prescribed a requirement to display the percentage rate and loan sharking prohibited.

On the other hand, the Monetary and Financial Code incorporated the definition of the percentage rate and the loan sharking without the sanction or civilly or criminally.

This lack of symmetry has attracted many divergent cases, for corporate loans, it was necessary to make some changes.

Now he has added a paragraph to Article 313-3 of the Consumer Code, following the publication of the article 32 of the Act of 1 August 2003 (Section I).

It is well said that under article 32 the provisions of the Consumer Code relating to the wear rates are no longer applicable “loans to a corporation, engaged in an industrial, commercial, artisanal, agricultural or occupation noncommercial. ”

Companies are therefore excluded from the provisions of the Consumer Code for wear.

The crime of usury is repealed, when credit concerns a legal person, including an association engaged in an occupation, as such activity is commercial or not and whether the corporation is private or public sector.

The nature of the loan does not affect the repeal of the offense, that the credit transaction is a traditional loan, a bank overdraft, a transaction discount or factoring.

The decriminalization of the offense of usury main objective of facilitating access to credit for certain businesses, including the news. Indeed, new firms have their bank lender for high risk, so they are often denied credit. The regulation of usury was to prevent a banker for a loan which, while guaranteeing a guideline it would be a satisfactory return.

Always following the publication of legislation on economic initiative of 2003, paragraph II of Article 32 is added to Article 313-4 of the Monetary and Financial Code, the reproduction section of the Consumer Code offense for which a fine of Corrections the failure to specify the percentage rate.

The crime of usury and not display the percentage rate are distinct.

The French law on the suppression of the wear is governed by the laws L.313-3 to L.313-6 of the Consumer Code.

In summary Article 32 of the Act for the economic initiative has removed the crime of usury to loans granted to legal persons engaged in industry, commercial …

Only remains the civil penalty for bank overdrafts which are made.

The Finance Act of August 2, 2005 for SMEs, in its Article 7, has also made a change, extending the suppression of crime to individuals acting on their professional needs. Alongside the civil penalty provided in the Monetary and Financial Code concerning overdraft granted to legal persons engaged in commercial activity is expanded to also include individuals acting on their professional needs.

The penalties that are applicable to consumer loans and mortgages are included in articles L.313-4 and L.313-5 of the Consumer Code.