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.

Advertisements
Posted in Uncategorized | Leave a comment

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.

Posted in Uncategorized | Leave a comment

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.

Posted in Uncategorized | Leave a comment

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."

Posted in Uncategorized | Leave a comment

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."

Posted in Uncategorized | Leave a comment

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.

Posted in Uncategorized | Leave a comment

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"

<embed type="application/x-shockwave-flash"

src = "http://www.youtube.com/v/SAEOgNE3PYk?fs=1&hl=fr_FR&quot;

allowFullScreen = "true"

allowscriptaccess = "always"

width = "460"

height = "345"

>

"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."

Posted in Uncategorized | Leave a comment