The strengths of the stone for retirement

Build a heritage often begins with the acquisition of second homes. Over time, the desire to prepare for retirement income is gaining ground.

Build a heritage often begins with the acquisition of second homes. Over time, the desire to prepare for retirement income is gaining ground.

The rental investment is a good track to get there. Unlike intangible investments such as securities or financial products, the stone is real. It has a use and an “intrinsic” value.

Build assets through credit

The stone is now one of the few investments that can be financed on credit. But to get a loan in times of crisis, it is better to have a solid contribution and a low debt ratio. If the bank accepts the case, rent and personal savings effort will pay the monthly payments.

Over time, the debt will decrease and heritage grow. Until the fifties, a loan over a long period allows both to have maturities in line with its budget and schedule the end of the credit, retirement came. Note that the interest on loans are deductible from income from property.

Prepare an income supplement

With rental income, this investment provides significant extra income. For those who buy on credit and repay the working life, it is possible to end up once retired (e), at the head of a property paid in full. At that time, rental revenues are boosting pension. In addition, rent indexation provides a bulwark against inflation.

Shelter oneself (or relatives)

Buying to rent can build wealth, however, exclude some donors, however, not a distant day to occupy the property. The retreat came, a rental property can become a primary residence.

Alternatively, the same property may also be helpful to relatives like parents, children or grandchildren or elderly parents. Unlike pay less taxes on principal residence, possession of a rental property (rented apartment naked, furnished residential services, etc..) Offers a multitude of ways to pay less tax, opting for one of the many schemes tax existing in the former as in the nine (Scellier, Robien, Borloo, Malraux, etc.)..

It plays on several fronts, namely to prepare for retirement income tomorrow, while playing down its tax system today.

Profitability variable geometry

Receive income to boost his pension is an attractive scenario. Nevertheless, the profitability of the stone is random. She can fall in case of vacancy or extended housing rent arrears. Even if the tenant has been carefully selected and offers a “good profile,” we must think about rental insurance against the risks. Choosing a professional to manage the property on a daily basis will save you many troubles.

Then the stone placement for retirement is it appropriate? More than performance or income tax, the stone can be seen as a tool for long-term construction of its heritage. There is no point to delay the project rental property until later to see how the market will evolve and values. Twenty years or more, a slight decrease of the purchase price has little impact on the internal rate of return of the operation.

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Bonnaire replaces Burban

RUGBY – Hurt, Antoine Burban package is for the fall tour. Julien Bonnaire replaces.

While he was called for the first time for France, Antoine Burban will not honor its first meeting. Hit the thumb this weekend with the French stage, the flanker withdraws Julien Bonnaire and it is called in reinforcements. “I have just scared , these are two days of championship … “Marc Lievremont, the coach of the XV of France, had reason to fear, in Marcoussis on Wednesday when it announced its list for the test matches of the fall, held the 11th and 12th days of the championship could trim his group of 30 players. After the pillar castrated Ducalcon Luke, who suffered a sprained medial collateral ligament in his left knee Friday during the defeat (17-15) of CO in Perpignan, Antoine Burban, the third line of the French stage, which is forced to give up these international meetings in November. If the person, the victim of an inch back, left, more a precaution than out of obligation, his teammates at the break Saturday at Clermont, where his team won a draw (19-19), the Parisian, whose profile n is not it Rappl that of Thierry Dusautoir, is not able to answer his first call with the Blues. For a man who spent the season behind more than three months in bed with broken pelvis before making his return at the highest level at the beginning of fiscal year 2009-2010, we imagine the pain of the boy, described as “good comrade “by Didier Retière who coasted in Marcoussis, being forced to ignore the aching heart. Ironically, it was his counterpart Clermont, Julien Bonnaire, who was called by the staff lights to replace him. Present on the second list of Lievremont, as Aurelien Rougerie, Jerome Thion Guilhem Guirado, Benjamin Kayser, Jean-Baptiste Elissalde, Thibault Privat, or Dimitri Yachvili, returns to the old natives of the town, to catch the France team as the last the last Six Nations tournament where he had been called for the last two games, against England and Italy.

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The plan of anti-hooligan Hortefeux

The Minister of the Interior created a special department against the hooligans and strengthen the police presence around the stadium.

Hortefeux wants to end the violence in football stadiums. While a supporter of Toulouse died Tuesday following a sustained attack in mid-September in Belgrade, and several incidents have recently marred the championship of France, the subject is burning. “We can no longer tolerate a situation where fathers are afraid to take their children to matches,” said on Tuesday lefigaro.fr the interior minister, who wants to “eradicate violence from stadiums.”

A section in the fight against the hooligans will therefore be created, “directly to the central director of Public Safety: the National Division of the fight against hooliganism” said Wednesday the Ministry of Interior. This new service will mission of “better coordinate our intelligence capabilities with those responsible for security on the ground, better identify at-risk individual cases in order to question them and punish them, not only administrative (stadium bans), but also justice” says the place Beauvau.

Moreover, according to the Interior Ministry, at least 2,500 men and women (are) mobilized for each day of the championship and for some days at risk until 5000. ”

The Interior Minister had convened Wednesday all prefects of departments concerned to present his plan. Is unprecedented, the presidents of the major clubs in Ligue 1 were also present.

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Aubry, "the real candidate."

PORTRAIT EXPRESS – Aubry, on leave from his post as first secretary, is in the starting blocks in 2012.

ENA graduates, one daughter and Mayor of Lille … Here, the portrait express Martine Aubry, a candidate for the primary PS.

The time of application – At 60, Martine Aubry, the first secretary of the PS, 27 June formalized his candidacy for the primary from its socialist stronghold of Lille to the Gare Saint-Sauveur, a former freight yard become a cultural center.

Its slogan, his ideas – "We must never lose touch with reality. Here it is in reality. It allows you to avoid forgetting the essential" … It will be understood, is as Martine Aubry the candidate of "real" as opposed to a bling-bling president cut the population. It was positioned to include a cap paychecks (in public enterprises) and the return of youth employment.

His feats of arms Highlights – First Party Secretary, Martine Aubry natural legitimacy to run for president in 2012. It can also claim to have been able to unite his party for the regional and cantonal.

Weaknesses – According to its critics, Martine Aubry There is little empathy or sympathy among the French. Having long been reluctant to enter, she appears a candidate who does not really want to go to the Elysee.

In his private life – Born August 8, 1950 in Paris, she is the daughter of Jacques Delors, former Finance Minister and former President of the European Commission. Divorced and remarried in 2004 to the lawyer Jean-Louis Brochen Lille, she is the mother of a daughter, Clementine.

CV – technocrat, seconded to the State Council between 1980 and 1981, Martine Aubry worked at the Department of Employment and Social Affairs from 1981 to 1987 and then spent two years in the private sector, management of the Pechiney Group. Minister of Employment and Solidarity in 1997, she resigned in October 2000 to devote himself to the municipal election campaign in Lille. After the failure of the left in the presidential election of 2007, she was elected in November 2008 First Secretary, against Ségolène Royal during the Congress of Reims.

WEIGHT IN THE CAMPAIGN His place in the polls – According to recent surveys, Martine Aubry is on a par with François Hollande in the nomination contest.

His supporters – The First Secretary boasts the longest list of support within his party, Benoît Hamon (left wing) Jean-Christophe Cambadélis (kahniens-Strauss), to Bertrand Delanoe and Laurent Fabius. Sandrine Bonnaire as personalities have also Coralie in his campaign.

What Sarkozy thinks of it – for Nicolas Sarkozy, whose remarks were reported in Le Parisien she was "wicked" and "the French do not vote for bad people."

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Aubry, “the real candidate.”

PORTRAIT EXPRESS – Aubry, on leave from his post as first secretary, is in the starting blocks in 2012.

ENA graduates, one daughter and Mayor of Lille … Here, the portrait express Martine Aubry, a candidate for the primary PS.

The time of application – At 60, Martine Aubry, the first secretary of the PS, 27 June formalized his candidacy for the primary from its socialist stronghold of Lille to the Gare Saint-Sauveur, a former freight yard become a cultural center.

Its slogan, his ideas – "We must never lose touch with reality. Here it is in reality. It allows you to avoid forgetting the essential" … It will be understood, is as Martine Aubry the candidate of "real" as opposed to a bling-bling president cut the population. It was positioned to include a cap paychecks (in public enterprises) and the return of youth employment.

His feats of arms Highlights – First Party Secretary, Martine Aubry natural legitimacy to run for president in 2012. It can also claim to have been able to unite his party for the regional and cantonal.

Weaknesses – According to its critics, Martine Aubry There is little empathy or sympathy among the French. Having long been reluctant to enter, she appears a candidate who does not really want to go to the Elysee.

In his private life – Born August 8, 1950 in Paris, she is the daughter of Jacques Delors, former Finance Minister and former President of the European Commission. Divorced and remarried in 2004 to the lawyer Jean-Louis Brochen Lille, she is the mother of a daughter, Clementine.

CV – technocrat, seconded to the State Council between 1980 and 1981, Martine Aubry worked at the Department of Employment and Social Affairs from 1981 to 1987 and then spent two years in the private sector, management of the Pechiney Group. Minister of Employment and Solidarity in 1997, she resigned in October 2000 to devote himself to the municipal election campaign in Lille. After the failure of the left in the presidential election of 2007, she was elected in November 2008 First Secretary, against Ségolène Royal during the Congress of Reims.

WEIGHT IN THE CAMPAIGN His place in the polls – According to recent surveys, Martine Aubry is on a par with François Hollande in the nomination contest.

His supporters – The First Secretary boasts the longest list of support within his party, Benoît Hamon (left wing) Jean-Christophe Cambadélis (kahniens-Strauss), to Bertrand Delanoe and Laurent Fabius. Sandrine Bonnaire as personalities have also Coralie in his campaign.

What Sarkozy thinks of it – for Nicolas Sarkozy, whose remarks were reported in Le Parisien she was "wicked" and "the French do not vote for bad people."

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Sopo: "How about a pact" with the candidates (E1)

The president of SOS Racisme, Dominique Sopo said Thursday on Europe 1 that the association could offer a deal to candidates in the presidential election of 2012, as this had been done by Nicolas Hulot in 2007. "What we will do in terms of questioning of presidential candidates is not decided yet but we will probably share with many other associations," he said.

"Full of measures may be proposed"

We must "ensure that the presidential campaign takes place in an environment where those who claim to defend republican values ​​really defend them, particularly those of equality," said Dominique Sopo. The president of the association against racism made particular reference to several proposals that could be made to candidates as "the introduction of anonymous CVs of discrimination in employment, housing applications anonymize HLM".

Dominique Sopo, however, said he did not intend to make these proposals to Marine Le Pen. "I think it is not part of the arch Republican. His speech is hypocritical Republican", he justified.

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Banon Tristane denies being "manipulated"

She spoke for the first time since his complaint against Dominique Strauss-Kahn.

In a taped interview, which aired on France 2 hours 20 Wednesday, Tristane Banon, who filed a complaint against DSK for attempted rape, spoke publicly for the first time since the beginning of the case. "I thought for eight years that do not bear complaints, listening to my mother's advice, journalists, one could forget," she said, justifying having complained so long after the facts. But she thinks now that "the only way is to forget to complain."

DSK The case, which erupted on May 14, "a fact that the problem arose once again that I have not asked," she says. "The world press took hold of my story to every scandal DSK. There they handed me in front of me again. And for a year and a half, I have a lawyer who I know is able to follow through if I complain, "she said.

"I did not ask"

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"DSK has a lot of memory problems" On the defense of DSK, which says that the interview with Tristan Banon in 2003 was normal, the latter said: "This is not because we continuously repeats a lie it becomes the truth. " "DSK has a lot of memory problems for me," she pointed.

Finally, she insists: "I have not been manipulated," "neither my mother", "or by the UMP mayor of Boulogne" (she is a member of the Economic and Social Council of this city for ten years) . "At 32, I know take my decisions alone," she Assen. To those who say unbalanced, and seeking to make the pub, she replies: "These are attacks that low I expected."

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Library Europe 1: Selection of June

The books that the jury reads for you this month.

After our library literature of women, the Library prepares your Europe one summer reading with a selection 100% thrillers.

The Nine Dragons: an investigation of Harry Bosch Michael Connelly (Threshold police officer)

Presentation of the editor:

At the police station in Los Angeles, this kind of anonymous call is not startling, especially not Harry Bosch recently sent on a murder in Chinatown, he suspects the activities of local triads racket. Hanging up, he is convinced he was right. It remains to prove … The main suspect in his obstinate silence, and the inspector Chu, teammate detached from the Asian Crime Unit, frankly did not seem trustworthy. Concerned about the survey, Bosch has not found the time to read the video message sent by his daughter the night before. She is 13 and lives just in Hong Kong, with her mother. The laptop screen lights up on a vision of absolute horror. The anonymous caller and the message of his daughter suddenly collide: the worst nightmare of his life has just begun.

A traitor to our liking John Le Carré (Editions du Seuil)

Presentation of the editor:

Spring 2009. On the island of Antigua. A Russian oligarch, threatened by rivals with the support of the Kremlin decides to deliver his intimate knowledge of the international circuits of money laundering mafia in exchange for the protection of Her Majesty's secret service and the opportunity to be welcomed with his family in England. The oligarch, portrayed in a way that it attracts, at least in part, the reader's sympathy, mobilized for this purpose a young British couple on holiday on the island and intended to put him in contact with the said services. Everything about tennis brought them together. The Caribbean island in the finals Federer / Soderling at Roland Garros, to the hushed recesses of the Swiss banks and the romantic scenery of the Bernese Oberland, the frame

narrative allows the author to present a rage, both the extent of economic issues in question and the duplicity of actors whose cynicism seems to have matched only by greed or lust for power. "The floor was given to men to conceal their thoughts," said Talleyrand. The use of the word creates an alienation among the characters. It creates a struggle between the naive who suffer alienation and cynics who exploit for their benefit. The war is here at the beginning and the end. And always, she crushes the weak.

The army furious Fred Vargas (Viviane Hamy Editions)

Presentation of the editor:

At the heart of the Crime Squad, the Commissioner Adamsberg goes about his business. While Veyrenc, his former rival in the Pyrenees, is still reluctant to return, the rest of the team evolves peacefully: Rettancourt remains the great "power generator", the cat said, "The Ball" is still asleep on the photocopier, with Danglard his glass of white wine develops an immense knowledge, Mercadet is still half asleep, Froissy made round trips between its reserve of food and his office.

A little old lady waiting for the Commissioner on the sidewalk, it comes from Normandy. They do not go, but there she wants to talk to him. One night in his village, his daughter saw the "Army furious", that is to say a cohort of living dead who comes off the worst people in the area. Murderers, thieves, those who have no conscience feel threatened. This old legend is a sign that many murders will occur. Far from his constituency, however Adamsberg will accept up to investigate, in the village terrorized by wild rumors and superstitions. Aided by local police, his son (whom he discovered in a place uncertain), and a few accomplices, he tries to protect poor people against bad luck.

The Wall, the Kabyle and the sailor Antonin Varenne (Editions Viviane Hamy)

Presentation of the editor:

A harsh journey in time: 1957-2009. In the months before his death, the father had decided to say his "refusal" to go to Algeria, and the penalty that followed: the assignment in a DOP, one of those places for the " intelligence gathering by torture. " The talent of Antonin Varenne did the rest. An exercise on the thread of emotion and the need to exorcise.

The Wall, the Kabyle and the sailor … A struggle against forgetting. 2009. On a ring, a boxer observed uncompromising opponent he will face, a boy of twenty years … Ignoring of Manichaeism, the novel moves through the accuracy of the humblest of his characters, such as intuition dreams of a generation devastated.

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The writer Francois Nourissier died

Member of the Académie Goncourt, novelist died Tuesday at age 83.

He was the author of novels largely inspired by his own experience, dominated by self-hatred. The writer Francois Nourissier died at the age of 83. Dubbed the "eminence grise", "godfather" or "Mandarin" letters, he was sworn of the Académie Goncourt in 1977.

First novel in 24 years

Born in May 1927 in Paris, lost his father to eight years, Francois Nourissier, graduated from the Institut d'Etudes Politiques de Paris, began in literature to 24 years in publishing the gray water. In 1952, he joined Denoël editions of which he is general secretary for four years before being editor of the magazine La Parisienne, and literary adviser Grasset.

In 1964, seems a petty bourgeois, severe self-portrait of a man who wrote "I do not love me, I hate my life." Considered his masterpiece, this book is the second of a trilogy that includes autobiographical Blue as the night, appeared in 1958, and a French history published in 1966 and won the Grand Prize of the novel of the French Academy.

"Miss P," Parkinson's

François Nourissier suffered for years from Parkinson's disease he called "Miss P" in his books. "I dreamed of beech, oak, aspen I am – sea green, pale bone – shivering in the gusts of my fall," he wrote in the absence of engineering in 2001. In January 2008 he resigned from the Academy Goncourt for health reasons.

A "Lord of the letters"

The novelist Edmonde Charles-Roux acknowledged on Europe 1 "a nobleman of letters". Those who succeeded Francois Nourissier as President of the Académie Goncourt in 2002 remembers that in the last years of his life, "he was more critical writer. He gave more attention to his books, he was afraid his health does not leave him time to finish. "

For the writer Jean d'Ormesson, Francois Nourissier "died might die just like a character in his books," but "maybe he dies a little late." Nicolas Sarkozy himself has acknowledged a "hussar of the Republic of Letters." "Whoever had the modesty to publish memoirs under the title In the absence of genius left us, in fact, a great work, a reflection of his inner struggles and irony with which he regarded his time and his environment, the letters and of the big bourgeoisie, "wrote the Elysée in a statement.

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French writers, kings of Europe

Four French rank among the top 20 best-selling authors in Europe.

Muriel Barbery, Tatiana de Rosnay, Anna Gavalda, and Marc Levy, four French writers, included in the top 20 best-selling authors in Europe in 2010, according to the "Diversity Report 2010," a study that analyzes the market for novels in 14 European Union countries.

Three women, one man Muriel Barbery, the author of The Elegance of the Hedgehog, is ranked 6th, Tatiana de Rosnay, French novelist who writes in English and has published Rose, the ninth, Anna Gavalda is an Escape to beautiful 12th. Finally, Marc Levy, a champion of sales in France last year with The Thief of shadows, up the rear in the twentieth place. Interviewed by Europe 1, he said he was very touched by being read throughout Europe. "To be read by someone who lives thousands of miles from my home and my culture is an immense pleasure. It is a pleasure comparable to a musician who toured and will play in a foreign room" at he said.

The French have another reason to rejoice: this is the fourth language of origin represented in the European charts after English, Swedish and Italian.

Swedish crime fiction is always attracted the Swede Stieg Larsson, father of the Millennium trilogy, which is leading the ranking with 24% of European sales in 2010, ahead of American Stephenie Meyer, creator of the Twilight saga.

The Afghan-born writer Khaled Hosseini, author of Kites of Kabul and A Thousand Splendid Suns, rises on the third place.

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