What the web knows about you

How is your data collected? What purpose? How to protect them? We will tell you more.
How is your data collected?
In several ways. For example, when creating an account to access the services of a site or when making an online purchase, you will fill out a form asking you about your identity, your age, your addresses (postal and digital), etc.
It can also be done:
● Via cookies allow the pages you visit and the searches you carry out to be recorded. Objective: to know your purchasing intentions, affinities, etc.
● Via your browser: browsing history, download history, etc.
● Via social networks: “like” a given event, subscriptions, searches, etc.
Why is my data collected?
Collected by your browser and social networks, they will then be sold to companies that can adapt their communication to your profile. But rest assured: The General Data Protection Regulation (GDPR), which entered into force in May 2018, provides some protection. For example, companies must first obtain written, clear and explicit consent from the Internet user before processing personal data.
How to protect your data?
– Block cookies. To do this, go to your browser settings and check “Refuse cookies”;
– Use the private browsing of your browser;
– Use a VPN. The principle of a Virtual Private Network is to create an Internet connection between your computer and a virtual server, also called a tunnel (often located abroad), while end-to-end encryption of the data therein. Exchanged. It becomes impossible to identify you and even less to monitor your activity on the Internet;
– Disable GPS geolocation on your Smartphone when it is not needed.

Social rights: which allowances for which situations?

Did you find out about all the financial aid you are eligible for? We unveil some of them to which you can claim under certain conditions.
The activity bonus
This is a monthly income supplement intended for people exercising a professional activity or receiving partial unemployment benefits and whose resources are less than 1.3 Smic. Students and apprentices can benefit from it. To find out if you are entitled to it (and how much it will be), go to the website of the Family Allowance Fund (Caf.fr) or the Mutualite Sociale Agricole (Msa.fr).
Active solidarity income (RSA)
The RSA is paid to people with no resources or with meager incomes. You must be at least 25 years old to benefit from it (no age requirement is, however, required for pregnant women and people with at least one dependent child). It is possible for those under 25 who have worked for two years over the past three years to benefit from the “RSA young workers”. To check if you are entitled to RSA (and how much it will be), go to Caf.fr or Msa.fr.
Family support allowance (ASF)
Raising their child alone can be relieved with financial assistance amounting to 115.99 euros per month per dependent child. To receive the ASF, no means test is required. To apply, you must complete a form and provide the supporting documents appropriate to your situation.
The specific solidarity allowance
At the end of their rights, unemployed people can benefit from ASS if they are still looking for a job, have five years of salaried activity in the ten years preceding the end of their employment contract, and have fewer resources. To 1,182.30 euros per month if they live alone or 1,857.90 € per month if they live as a couple. The daily amount of ASS is € 16.89, or € 506.70 for a 30-day month [1]. You do not have to take any steps to benefit from SSA. Pôle Emploi directly sends the forms necessary for the constitution of the ASS file to the unemployed at the end of their rights, which can benefit from it.
Youth Guarantee
This system concerns young people aged 16 to 25 in a precarious situation who cannot claim the RSA. It allows them to benefit for twelve months, renewable for six months, from support towards employment and financial assistance in an amount equivalent to the RSA. Bodies organize this system called local missions, responsible for the vocational guidance of young people.

A life in two years

To reassure some, before leaving for England, I did not speak English fluently at all. My level was that of someone coming out of high school. You don’t have to be bilingual in English, but you still need to know how to speak at a minimum. Having already spent a year and a half in England, I can assure you that I am bilingual in English.

The university campus
September 2019: the big start. I’m only 18 years old, but it’s off on a big adventure: to live in England alone for two years. At the English university I’m at. We need to have on-campus accommodation for the first year. In the second year, housing must be off-campus unless, by luck, you manage to get accommodation on campus. The university is an hour from London by train, so you can often go on an outing to discover England. England is known for its weather, which varies very quickly from hour to hour. I confirm this stereotype! But if you get used to it quickly, don’t worry about it 😉. The worst is when it gets dark at 4 p.m. in winter. It’s a little depressing.
Living in another country alone without your family can seem complicated, but the friends I made in England are my family. We are all in the same situation, far from our families, so we support each other when morale is low. Before leaving for England, I had never left the “family cocoon” for a long time. The first month is psychologically tricky because it is time to adjust to your new life, meet new people, and miss family.
With the health situation, my experience abroad was very disturbing. I had to return prematurely in March 2020 to confine myself to France and not be stranded in England. From that point on, I only had online classes. My second year is therefore also strongly affected by the cold. It is more complicated to meet people, so I joined student associations.

The famous ice cream truck in England
At my university in England, there are over 120 student associations, a vast selection. In September 2020, I was appointed president of a student association for the defense of human rights. Through this association, we organize conferences and debates. Everything is online, but it allows you to meet people virtually and build relationships. Student associations are the best way to meet people with the same passions, even without being in a time of health crisis. If you are at a university that has student associations that interest you, sign up!
I have not returned home to France for good when writing this article, as I still have five months of classes left. I can tell you, however, that the final return to the family after an experience abroad is very complicated psychologically. This adventure allows us to be autonomous and independent, and when we return to live with our family, we have the impression that we are no longer accessible. In England, it happened to me going for walks with friends on the university campus at midnight. With our family, we rarely go for a walk in the neighborhood at midnight. Although the return may be difficult, the experience is worth living!
Brexit may hold some of you back from England, but remember, universities offer scholarships or grants. Don’t give up on your dream!
Personally and professionally, this experience is incredible. It allows you to discover a new culture and enrich your CV by having experience abroad and being fluent in the country’s language! To give you an idea, this experience allowed me to obtain an internship in a law firm in the second year of law studies, which is usually not possible.

A European voluntary service in the Czech Republic

I heard about European voluntary service a few years ago. But I didn’t have the time or the courage to take the plunge. After some administrative formalities, I was finally able to embark on the adventure. I chose the Czech Republic because I wanted to stay close to France while experiencing a culture different from Western Europe.
Before I left, I had a departure seminar with my sending organization. This seminar can be beneficial if you go to another country for the first time and are young. For my part, I was already 27 years old, and I had been independent since I was 15, so many things seemed to go straight to me. But, this is not necessarily the case for all. The advantages of an EVS mean that you are followed during your experience abroad, both by your original organization and on-site. It is vital to be surrounded when going in the medium term for the first time.

Indian treasure hunt
Another world
When you get there, prepare to have three phases: the euphoria of discovery, the downfall of lack, and nostalgia for the end of the project. Please do not underestimate the set. It is essential for your morale and allows you to arm yourself psychologically. Depending on the country, the seasons are variable. Winter in the Czech Republic is dry and snowy. The sun is not very present, which can have an impact on morale. This is a phenomenon that I was able to find in Poland afterward.
I was an English assistant in a school with children aged 6 to 15. We were non-stop between volunteers for the first few weeks. Having been placed in a small town, I couldn’t hang out with expatriates, for example. And that was good for me, although very hard at first. The food is very different, and I enjoyed eating goulash, drinking Kofola and devouring kneels. Besides, I miss it a lot now. I remember spending two hours in a supermarket the first time, looking for what the shelves were and finding my way.

Fair with children
Also, prepare for a different way of working. Some countries do not know the 35h/week; others have a limited labor code. Learn to adapt while setting your limits. No, it is not customary to respond to an email on Sunday evening for Monday. Yes, it is normal to stay longer in school to set up extra-curricular activities. If you ever feel overwhelmed, don’t hesitate to talk to your superiors about it by requesting an interview. Finally, if you prefer to shorten your volunteering or employment contract, read the starting conditions carefully and refer them to the people concerned. Don’t leave without warning overnight. I’ve witnessed it twice, and it messes everyone up. You have the right not to feel like you belong, but it is a duty to point it out. Remember that in addition to yourself, you represent your country in the organization that hosts you. What would you think of an employee who crashes you at the last minute?
Finally, to overcome the down phase, do not hesitate to call on your Madeleine de Proust. I love to read. In each country in which I have lived, I registered with the Library of the French Institute to rediscover this personal pleasure. I also really like to cook, and my roommates had a great time with my homemade compotes, pancakes, and logs.
My advice

My first summit in Jested
On the administrative level
Prepare your papers several months before leaving: identity card, passport, visa (if leaving outside the EU), European health insurance card, private or mutual insurance, adapted telephone plan, renewed bank card, etc. In my case, I left for three years without knowing that it would last that long since my EVS lasted one year. It opened up a portal of opportunity for me that I never dared imagine. I was able to work in Belgium and then in Poland afterward. I no longer had a fixed address in France, so it was essential to me.

What is mental accounting?

Mental accounting refers to the ability some of us have to differentiate money based on how it was obtained and how it will be spent. Explanations.
Conceptualized in 2017 by Richard Thaler, professor at the University of Chicago – who for his work received the Nobel Prize in economics – the notion of mental accounting refers to people who tend to separate their money in their minds based on a variety of subjective criteria, such as the source of the money and its use. Put, “individuals simplify financial decision making by creating separate boxes in their heads, focusing on the impact of each individual decision rather than the overall effect,” says Richard Thaler.
To understand, let’s take a concrete example. Isabelle and her companion, Arnaud, have been saving money for the past few months to pay for their vacation after taking out several consumer loans. The money they hold and the money they pay off their loans are not, in their minds, treated the same. Logically, the money they put aside to pay for their vacation should instead be used to pay off loans faster and thus allow them to pay less interest. How then to explain their behavior? According to Richard Thaler and his notion of mental accounting, the answer lies in people’s value of money. In the case of Arnaud and Isabelle, they think the money saved for their vacation is too much to give up. Therefore, and even if it could make them “earn” money (prepayment of credit = less interest to pay), this money considered “important” cannot be spent.
Can “use” mental accounting to better manage a budget?
We are all different, but most importantly, there are no magic formulas on how to manage your budget best. Nonetheless, understanding the psychological mechanisms that go into mental accounting will help rationalize your financial choices.
By better understanding why you consider such and such an expense as “important” and another as “secondary” and by asking yourself whether they are related to necessities (rents, bills, credits, etc.) or impulses, you better understand your relationship with money. In this way, you will be able to manage it better.
In any case, remember that to organize better and visualize your spending, you need to set financial goals for yourself. To help you do this, you can register your bank accounts in Neymo, the best way to have a clear view of your sources of income and your expenses.