Weekly insights about property in France!

Subscribe and don't miss an issue!

The Beaches of Normandy and Beyond

Volume II, Issue 23

On the evening of June 5th, 60 years ago, the
Allied forces landed on the
beaches of Normandy with the largest show of force ever assembled — 9
battleships, 23 cruisers, 104 destroyers, and 71 large landing crafts as
well as troop transports, mine sweepers, and merchantmen– in all, nearly
5,000 ships. It is fitting that today’s French Property Insider should
take a closer look at Normandy.

“The Canadians’ contributions in WWII are often overlooked, yet they had
the 4th largest air force and the 3rd largest navy, who helped protect
Allied convoys in the Atlantic. They gave an added industrial output as
well as 6 army divisions, of whom 45,000 gave their lives for the Allies.
There were 433 Medals of Honor awarded during WWII, 219 of them were given
after the recipient’s death. From 6 June 1944 to 8 May 1945 in Europe the
Allies had 200,000 dead and 550,000 wounded. The US had the lowest
casualty rates of the major powers in WWII.” (http://www.angelfire.com/ct/ww2europe/stats.html)
While most Americans think of Normandy directly related to its beaches and
what transpired there 60 years ago, Normandy is really a “rustic utopia,
relatively untouched by the march of time.”
It has four Channel ports on its northern coast (Cherbourg, Caen, Le Havre
and Dieppe). The Autoroute from Calais to Rouen provides easy
access to
the Channel Tunnel and Dover. Near the beaches are the peninsula of Manche
and its famous Abbey, Mont Saint-Michel. The racetrack at Deauville and
the trendy shops at Trouville are visited often by Parisians. In Calvados,
one may drink the traditional apple cider and dine on seafood at the
charming port of Honfleur.
There are many places of historical interest to visit — the battlefields
of D-Day, the Bayeux tapestry, the birthplace of William the Conqueror,
and Rouen where Joan of Arc met her fate at the stake. In the southern
part of Normandy art enthusiasts can visit Monet’s house at Giverny with
its magnificent garden. For culinary aficionados, there are the many
cheeses — Camembert, Pont l’Evêque and Livarot, and of course Normandy’s
fine butters and creams.
Scroll down to learn more about Normandy and its five departments:
Calvados, Eure, Manche, Sein Maritime and Orne. If you’re coming to
Normandy for the hundreds of celebrations honoring the 60th anniversary of
D-Day (scroll down for more information) or just thinking of making it
your home or home away from home, we offer you several properties — one
in each department — to dream about or put a down payment on.
There’s a new Leaseback property on the Mediterranean — and Lief Simon’s
new report free to FPI subscribers. Also, don’t miss the valuable
information our property experts are offering on a variety of important
topics…beating the capital gains taxes, buying in the name of an LLC or
SCI, a strange situation encountered with a Viager and the ten days of
waiting till the loan can go through.
There’s plenty to chew on, so pour yourself a glass of Bordeaux and read

A bientôt,

Adrian Leeds
Editor, French Property Insider
[email protected]

P.S. We’re gearing up for
upcoming meetings with our readers next Tuesday afternoon at our monthly
Parler Paris Après Midi meeting (see

for more information) and
the Working and Living in France Conference (June 18 – 20)…three
intensive days of learning how to make the move to France possible. Plus,
all of its special activities (see

). FPI
readers qualify for the early bird registration price anytime, so if you
haven’t registered yet, don’t wait until it’s too late!


Volume II, Issue 23, June 3,

In this issue:
* Scavenger Hunt… the Story Continues
* Making Sense of the French Capital Gains Taxes
* French Leaseback… a Very Good Deal
* The Strange Case of the Viager
* Ten Days to Cool Your Heels
* How to Buy Property Via a French SCI
* Discover Normandy’s Five Famous Departments
* Paris Welcomes WWII Heroes
* The 60th Anniversary of D-Day
* Celebrating D-Day in Normandy
* Three Days in June Can Change Your Life
* Why You Should Spend September 11th in D.C.
* Currency Exchange Update
* Hot Property: Leaseback in Cap d’Agde on the Mediterranean
* Property For Sale: Five Homes in Normandy
* Classified Advertising: Vacation Spots


By Porter Scott

On an ordinary day, Parisian
pedestrians probably see me as one of them. Nothing in my manner or dress
reveals my instinct and capacity for ruthless scavenging. But in a flash I
can shift into an acute state of awareness whereby I drop whatever I am
doing and proceed with the utmost dexterity to sort through what appears
to be trash. Little do people realize that Trash can be Treasure to those
attuned to the finer qualities of antiques and antique building materials.
Yes, Parisians throw some fabulous stuff out onto the streets. Scavengers
like me are ever ready to intervene to save these precious goods from the
evil, destructive hands of the garbage collectors.

When I don my ‘Parisian Scavenger’ attire, I am virtually invincible. I
carry a pair of heavy duty gloves in my car as well as some thick old
blankets. The only trouble is I do not always have my car. Nor do I always
have the time or place to change clothes (even if I have work clothes with
me). I sometimes remain somewhat handicapped in my capacity to delve
deeply into a dumpster brimming with detritus. Nevertheless, another one
of my mottos is “Forever ready.” Trying to keep myself clean while
avoiding rusty nails, broken glass, and filthy dirt often obliges me to
adopt some precarious positioning. The trick is to avoid getting sullied
or hurt while using a maximum of finesse in the selection process.
What to take? What to discard? What has value? Where to draw the line?
These are the critical questions that have to be answered on a continual
basis if you want to scavenge in style, maintaining your dignity while
others look on aghast at your brazen audacity for taking what often
amounts to a filthy undertaking (on rare occasions I have had people get
caught up in the feeding frenzy and join in the fray with enthusiasm). As
a Man of Action, however, I always have to be prepared to get my hands
dirty (and the city of Paris needs people like me to reduce the overall
cost of their garbage collection). This is my duty as a professional Paris
Scavenger and to those who doubt my purpose, I say “Fear not the lowly
trash pile, for therein lie untold treasures for he who dares to get
Just last week, the Parisian Scavenger struck again.
I was driving along the rue de Rivoli in the Marais when I spied a
dumpster overflowing with rubbish. What caught my eye were several large
beige-colored lime stones on the very top of the heap. I pulled my car
over in front of the dumpster and hopped out to take a closer look. Sure
enough, there were a number of large chunks of stone (which make beautiful
walls). Once I had recuperated the stones, I grabbed some solid oak beams
that are perfectly suited for renovation work (that is, when creating
rustic ‘Old World’ charm is a aesthetic priority). At this point the car
was well weighted down, but I fearlessly moved downward into the bin,
ignoring the disdainful stares of the those passing by. Also, ever
watchful for the callous forces of law and order who might descend on me
to prevent me from saving such noble materials from destruction (digging
through bins is forbidden in Paris).
“Eureka!” I cried once again, as I discovered three solid oak basement
doors with 17th or 18th-century hand-hammered hinges. Each door was so
heavy that I considered leaving them all. My adrenalin was flowing,
however, and with what appeared to be superhuman strength, I managed to
maneuver each door into the car (it’s a big long car). The final door was
a filthy reward for all of my efforts. Hidden from my view on the
underside of the door, was a lovely age-old hand-hammered iron door knob.
At that moment I knew there was no point in continuing my search. I had
found my treasure and I had salvaged a number of materials from dastardly
As I drove away, I felt relieved to have contributed, in a small modest
way, to the salvation of the Parisian patrimony. Yet I seek no thanks,
despite my heroism, for I prefer going back to being incognito, keeping a
low profile while awaiting my next call to duty.
Editor’s Note: Porter Scott is IL’s Property Rentals Manager. For more
information on how to get the best return on your investment of a rental
property in Paris, rent your Paris apartment or renovate and maintain it,
do not hesitate to contact Porter Scott at

[email protected]


A Survival Kit for Paris

Excerpts from the June 2004 Column. To read the column in its entirety,
click on

The fact that the French government recently decreased capital-gains
taxes was good news for EU residents selling their French real estate.
Indeed, the new rate, everything included, is now 26% for French residents
and 16% for residents of other EU member countries. The rate for all
others, including American residents, is still one-third. Another change
in the tax laws deals with the calculation of capital gains, which is now
more favorable to all. Without getting too technical, you no longer pay
capital gains tax if you own the property for more than 15 years (because
the amount of taxable capital gains drops by around 6.6666% every year.
On the subject of purchasing real estate, I’m glad to see that more and
more foreigners wishing to buy good residential property in Paris are
starting to look outside the traditional neighborhoods of Saint-Germain-des-Prés,
around the Eiffel Tower, and the western sector in general. Paris has
always had very diversified residential neighborhoods, chosen according to
people’s lifestyles. As new trends appear, almost the entire traditional
blue-collar portion of Paris has become middle- to upper-middle class,
starting with Bastille, the very spot where the famous prison castle
Recently, clients of mine easily found their first apartment to buy on the
outskirts of this up-and-coming neighborhood, after having looked for
months in Montmartre with no luck. Another long-term client moved from
Passy, one of the most conservative residential neighborhoods, to a
fascinating small neighborhood in the 19th (long considered one of the
least desirable parts of Paris) without really changing neighborhood
social status. Indeed, most of the streets concerned are made up of
individual houses with gardens, and some even have driveways. The nearby
low-income housing projects seem far removed from this charming location.
Foreigners who wish to purchase real estate, either as a rental investment
or for their personal leisure use, should hire a reliable notaire, as well
as a professional to guide them through all the aspects of choosing the
right property in the right location for them.
Could you tell me briefly about the laws on using “au noir” workers
(painters/carpenters, etc.)? I know someone who needs a small painting job
done in her apartment and is considering using a very good painter who is
not French and does not have a business license – no SIRET number, etc.
What is the law regarding his working on her flat for, say, four days? Is
there an amount – e.g. 500 euros – up to which she could pay him and still
be legal? If she paid by buying him groceries or a carte orange, instead
of with money, would it still be considered “hiring” him? What are the
penalties to her and to the worker if she hires him illegally? Also, if he
got a student resident card, he would have the right to work a certain
number of hours a week, correct? Could this include painting someone’s
flat? What about paying a good friend to paint your flat? Is that illegal?
In France, every type of work performed by individuals, no matter what the
amount of remuneration is, entails the payment of taxes similar to Social
Security withholding in the US. These “social charges” are the equivalent
of about half of the payment for the work. A worker can be only salaried
and self-employed. When you hire someone to paint, you either pay a
self-employed individual or you pay a company. If the worker is not
registered as self-employed or is not the employee of a company, the work
constitutes a felony by both parties. If the individual doing the job is
in France illegally, this adds two or three more felonies to the picture
and could mean facing a jail term. Furthermore, working “au noir” (i.e. on
the “black” market) means not declaring one’s income to the tax
authorities or paying social charges and thus constitutes tax evasion.
If payment is made to a legitimate business in cash, with nothing signed,
chances are the payment will never be recorded and the job will never
appear on the company’s books. Either way, it is tantamount to cheating on
the payment of social charges and income tax. In France, paying for such a
job in cash implies knowledge that tax fraud will occur, and both parties
can be prosecuted. The only legally safe way to pay is by check or money
order (hardly any small craftsmen are set up to receive credit card
It’s also important to note that, if an accident happens during the course
of, say, a painting job, the wise thing to do is to record the job and
file for worker’s compensation right away, so that the accident is covered
under this insurance. But an individual who is not registered as
self-employed has no corresponding tax ID number and thus there is no way
to make the worker’s compensation payment legal as far as the social
charges are concerned. The only solution would be for the individual to
claim that he was painting his own lodging when the accident occurred; as
long as there is no investigation, this might work. The worst scenario
would be an illegal immigrant doing the work and having an accident. Any
basic investigation would reveal that the person is not even supposed to
be in France, so he would probably choose to forgo any worker’s
Furthermore, in case of any problem with the work itself, a private
individual can have recourse against a professional only if there is proof
that the work was done. Often the only such proof is the record of payment
made. If you pay in cash with no receipt, you will have virtually no
recourse (i.e. no liability can be claimed) if the job is poorly done.
As for payment in kind, any exchange of service for compensation is a
professional relationship, and lack of declaration constitutes tax fraud.
Buying groceries, a carte orange, etc., is exactly the same as paying
money, except that it might be more difficult to trace. In any case, this
is rarely a practical way of paying someone.
Yes, student status does confer the right to work 20 hours per week,
mostly as an employee. If there is a way that the painting job can be done
by someone with this status, fine. But, assuming that you have a
particular individual in mind and that the person is not in France
legally, it is unlikely that he will be able to obtain foreign student
status easily and quickly.
As to your last question: friendships often entail the giving of gifts,
some of which may be in cash and not all of which are for birthdays,
Christmas, etc. A good friend could paint the apartment as a pure gift and
get nothing in return. Much later, the person living in the apartment
could give the friend a sizable gift. This is perfectly legal, provided
there are no obvious ties between the painting job and the gift. Keep in
mind that the tax inspector must consider the size of the gift in
proportion to the wealth of the donor.
We have live in Australia and for several years have owned a Paris
apartment that we rent out to fellow Australians, Saturday to Saturday.
Some stay more than a week, but the average stay is a week. In the course
of a year, we may get 20-25 rental weeks.
Over the last 12 months, we have started to get complaints from the other
owners to the effect that we are treating our apartment like a hotel. Our
average renter is a middle-aged or young professional couple, not
youngsters playing rock ‘n’ roll music at 3 a.m.! However, the other
owners have threatened to report us to some authority.
Is there a law regarding the length of time you may rent out an apartment
that you own? If not, can you cite some a reference in French law
indicating that the other owners have no say in the length of time we may
rent our apartment, provided we abide by the general rules on noise,
rubbish removal, locking doors, etc.?
Your question seems simple, but the answer is quite complex, because of
the legal concepts involved. The by-laws of a building never mention
duration of lease, frequency of incoming tenancy and so on. However, in
the old days, a residential building offered stable lodging, and only
conservative, stable families lived there, by and large. So when most
building by-laws were drafted, roughly in the first half of the 20th
century, they incorporated this notion of conservative, stable residential
lodging, making direct reference to the legal concept of “bon père de
famille” or “wise father figure.”
Even if your weekly renters do not generate more noise or other
disturbance than the rest of the residents, these rentals do go against
the notion of stable lodging for stable tenants (which, at least in
theory, leads to harmony in the building). But the owners’ council (copropriété)
cannot take you to court successfully on these grounds alone. While the
breach of the by-laws could easily be documented, what, if any, financial
losses are the building’s other owners or tenants suffering because of
this? Issues such as the cleanliness of the common areas and the playing
of party music have much more potential impact on the quality of life of
the building residents than your weekly rentals do. Indeed, there is no
authority with the power to hear such a complaint (assuming you are
reporting to the fiscal authorities the commercial income you are making
with these rentals). Your apartment does not have enough rooms to qualify
as a hotel, and there are never enough people in the apartment to violate
sanitary regulations. In my wildest dreams I cannot imagine any agency,
aside from the tax officials, that would even be interested in hearing
about this issue.
The best thing to do is to adopt a very low profile and stay exceedingly
quiet – no official response, no phone calls to the syndic or president of
the copropriété, nothing of that nature. Poorly handled, this matter could
ruin your pleasure in owning this apartment and your tenants’ pleasure in
staying there, which could have a direct effect on your ability to rent it
It would be really useful to know who brought this matter to the attention
of the building management and to identify their motives. Chances are it
is just a minority of owners trying to make a case of this, and if there
is a lack of interest on the part of the majority of the owners, the
troublemakers will not pursue the matter. If there is a concierge and he
or she is honest, you might see if this person could help you manage the
rentals, in return for discreetly delivered compensation. This would give
you a strong ally in the building at all times, which would be your best
insurance that the issue does not go any further than a couple of phone
calls a year.
In other words, the matter cannot be dealt with in the legal system.
Instead, it calls for some creative solutions in the way you handle the
rentals, since the building residents can have much more impact on the
situation than you can while living in Australia.
Editor’s Notes:Jean Taquet is a French jurist and associate
member of the Delaware Bar Association, specializes in civil, criminal and
commercial law. He frequently gives courses about the legal system in
France and regularly speaks at the Working and Living in France
Conferences in Paris. He is also well known for his informative Q and A
columns in past Paris Voice magazines, which can now be purchased in one
document as “The Insider Guide to Practical Answers for Living in
France” (http://www.insiderparisguides.com/answers/index.html)
To subscribe to his monthly newsletter, email Jean Taquet at

[email protected]

To make an appointment with Jean Taquet for his consultation services:
Phone: Cell: or email

[email protected]


exploring THE FRENCH LEASEBACK scheme

By Lief Simon

You read about French leaseback properties often in your weekly issues of
French Property Insider.

In short, the French leaseback is an easy, hassle-free way to buy in
France, with almost certain financing and guaranteed rental return for
nine years.
You can now review the details of this opportunity in a just-updated
version of The French Leaseback Report.
This report has just been offered to the general readership of
International Living. It costs $49… but as a French Property Insider
subscriber, you pay nothing.
In this updated report, I run the numbers for you in more detail, lay out
an exit strategy, and include tips from a couple who have already invested
in a leaseback property in the south of France. Plus, you’ll discover the
tax implications of owning in France and how best to set up your purchase
to give you maximum ease of use, and the smallest possible tax burden.
You can download your copy of this updated report at:
Editor’s Note: Lief Simon lives and works in Ireland and the
United States and soon, France. He has an MBA in International Management
from Thunderbird, and has worked for a CPA firm, an international oil
company, and as the chief financial officer for a hospitality design and
consulting firm that renovates hotels around the world. He’s owned real
estate in Europe, Central America, and North America, and he’s lived on
five continents. Lief is still involved on a day-to-day basis with
projects in both Panama and Nicaragua. He manages International Living’s
real estate investments and oversees International Living’s network of
offices in The Americas and Europe. Lief is the editor of Global Real
Estate Investor (http://www.agora-inc.com/reports/REL/WRELILW/),
a small group of the world’s savviest real estate investors.



By Jocelyn Carnegie

Following an article which appeared in FPI last November, we have recently
encountered a strange case involving a sale ‘En Viager.’
Viager is the system whereby an elderly seller can realize the equity in
his or her property whilst continuing to live there. As a buyer, you are
gambling on the unsavory hope that the seller will die as soon as
Indeed, there is a clause written into the contract that covers the
untimely demise of the “creditrentier” (seller) thus closing the potential
loophole of precipitating the death of the unfortunate geriatric by deadly
snakebite or crushed glass in their coffee.
The seller is paid about 30% of the property value as a down payment and a
monthly annuity for the rest of his or her occupancy of the property in
the case of a “viager occupée,” and in the case of
a “viager libre,” for the rest of their life.
In this particular case, we are speaking of a viager libre, literally a
“free viager,” where the buyer has use of the property in return for the
monthly payment. This case has been long and difficult to move forward.
The sellers of the apartment have left it unoccupied for many months due
to an inheritance-based family feud whereby children have not spoken to
parents for over 10 years apart from via lawyers.
As we drew near to a signature it emerged  that there were four
entities involved — buyer, sellers (seller 1) and former sellers (seller
2) and previous sellers (seller 3)! Seller 1 bought from seller 2 en
viager. No problem there as seller 2 has agreed that seller 1 finish his
payment with a lump sum. Home and dry? Not at all. Seller 2 also bought
the property en viager from seller 3. The buyer’s Notaire has discovered
from the register that there is still a mortgage registered against the
property with seller 3.
Seller 3 has an Israeli passport and cannot be found. He may have died, of
course, in which case proof will be required. He may be alive and not
realize that his mortgage is still on the registry. The frustrating point
for the buyers is that none of this is really their problem and there is
no way of telling how long it might take to get the confirmation either
way. It could be tomorrow or in six months time. Until they have received
this confirmation, it is neither safe nor prudent to go ahead with their
Editor’s Note: Jocelyn Carnegie is International Living’s
Paris Office Property Sales Manager and accomplished hunter for prime
properties. For more information on how he can help you find the property
of your dreams, visit

email him at
mailto:[email protected]



By Jocelyn Carnegie
Always remember, if you are up against a time scale problem as you
approach the completion date on your purchase in France, and you are
taking a mortgage from a French bank, you have a 10-day “cooling off
period” to take into account.
Ten days means from the date of receipt of the official offer of the loan
(i.e. at least one day later to allow for the post) until after the end of
the 10th day. Only on the 11th day from receipt can the offer be accepted.
This is mandatory under French law: there is no way of avoiding it –the
idea is to give borrowers a good chance to compare offers and decide
whether or not they want to accept or not.
Editor’s Note: Jocelyn Carnegie is International Living’s
Paris Office Property Sales Manager and accomplished hunter for prime
properties. For more information on how he can help you find the property
of your dreams, visit

email him at
mailto:[email protected]



By Jocelyn Carnegie
We have extolled the virtues of the peculiarly French Société Civile
Immobilier (SCI) structure for ownership of property in France. An SCI is
not a shelter from tax as it is completely transparent from a fiscal point
of view. The main benefit is that the members of the SCI only own a share
in a transparent company; a moveable asset which avoids the Draconian
inheritance tax laws in France. As long as you make a declaration of the
members of the SCI every year, the authorities seem quite happy. (We
always advise independent expert advice when structuring ownership as it
should always be tailored to personal circumstances.
Our commentary relating to the French Leaseback Program has also suggested
the use of SCI’s for ownership. This can indeed be a good way to structure
your ownership of a Leaseback property, however, we have heard recently of
some grey areas that need to be considered.
The first relates only to Leaseback properties. Because they are classed
as new build properties, Leaseback owners not only benefit from the 19.6%
VAT rebate but can also write off both interest payments and depreciation
against potential taxable income. The grey area appears to be with how the
authorities deal with the depreciation element. Many people are claiming
depreciation against tax liabilities and operating quite legally this way.
Due to the commercial nature of the leaseback program, though, the
authorities could decide that depreciation was not an allowable write-off
and could claim it back retrospectively.
An IL reader recently flagged us on a potential conflict between the
structure of an SCI and its activity suggesting that an SCI could not be
involved in Furnished Rentals. We are always happy to hear from readers
with these types of question as it gives us a chance to clarify
potentially important issues for our readership as a whole.
Having checked with several experts including the CIRA (the French tax
authorities information unit), it is clear that an SCI can be involved in
furnished rentals due to its transparent nature. The only difference is in
how the individual members of the SCI are treated from a tax perspective.
Revenues are classed as commercial and not normal real estate revenues. We
will not give chapter and verse on the tax implications and again
independent advice should be sought
A potential replacement might be to launch an SARL. This is again a
transparent entity, can be owned by a US LLC, and is in fact a fully
trading entity. The SARL would have either ‘LMP’ (Loyer Meublée
Professionel — literally a furnished rental professional) or ‘LMNP’
(non-professional) classification, meaning that the company’s main
activity would be furnished rentals.
It is very clear that this structure can benefit from deductions on both
interest and depreciation payments as well as being able to sell property
free of Capital Gains Tax after only five years.
The disadvantage is that an LMP must have revenue of 23,000 euros and over
to qualify so this may be a structure which only applies to larger
investments. An SARL does require more administration and therefore cost
more than an SCI.
Editor’s Note: Jocelyn Carnegie is International Living’s
Paris Office Property Sales Manager and accomplished hunter for prime
properties. For more information on how he can help you find the property
of your dreams, visit

email him at
mailto:[email protected]




Calvados Department 14

Famous for cider and apple brandy, half-timbered houses, the lovely port
of Honfleur, impressionist paintings, casinos and racetracks, dining on
seafood, the Bayeux tapestries, William the Conqueror and several popular

Eure Department 27
Famous for its maze of rivers and canals, Giverny where Monet lived,
American impressionists who were drawn to the region, Richard the
Lionhearted who built the Château Gaillard and half-timbered houses on the
River Risle.

Manche Department 50
Famous for the port of Cherbourg, fishing villages and sea ports, the
village of St. Mere Eglise, best remembered for the Paratrooper whose
chute was caught on the steeple and became the unwilling witness of the
slaughter of his comrades below, Coutances’ rich creamy cheese,
Mont-Saint-Michel, the most visited site in France and the salt pasture
sheep which graze on the rich salty grass.
Seine Maritime Department 76
Famous for the charming town of Neufchâtel en Bray, renowned for its heart
shaped cheese, Dieppe, once a main cross channel ferry port and originally
an ivory center with its 15th Century castle, the sailing port of Saint-Valery-en-Caux
and its magnificent cliff-top views, Etretat with the finest cliffs of the
‘Alabaster coast’ and the unusual rock formations of l’Aiguille and Les
Trois Portes, Fécamp, a place of pilgrimage, Le Havre at the mouth of the
Seine, the second port of Franc and the City of Rouen with its Gallo Roman
Orne Department 61
Famous for its well kept rural landscape of forests and meadows, its
studs, especially Haras du Pin near Argentan, referred to as the
‘Versailles of the horse world,’ Camembert cheese made with Calvados,
Domfront, birthplace of Eleanor of Aquitaine and Alençon, on the River
Sarthe, once the lace capital of Europe.

de la France


Léon Bertrand, the French Minister Delegate for Tourism and Hamalaoui
Mekachera, the Minister Delegate for Veterans have initiated a campaign
through which France will pay tribute to three hundred veterans from the
14 Allied nations, all of whom will receive the Legion of Honor. The
largest contingent of veterans will come from the United States, Great
Britain and Canada.
Thirty-one Parisian hotels will offer free accommodations to these
distinguished honorees (and one guest each) free of charge for 3 nights,
from June 4-7.This initiative was the direct result of a meeting between
Mr Bertrand and the representatives of the prestige hospitality groups in
Paris. The initiative will be carried out with the assistance of the Paris
Convention and Visitors Bureau.


On June 5 and 6, 2004 France and the Normandy region will honor and
celebrate the veterans and their fallen comrades who fought in the Battle
of Normandy and spearheaded the liberation of France and Europe.

At the break of dawn on June 6, 1944, a great invasion force was poised
off the coast of Normandy, the largest armada ever assembled: 9
battleships, 23 cruisers, 104 destroyers, and 71 large landing crafts as
well as troop transports, mine sweepers, and merchantmen– in all, nearly
5,000 ships.
The operation began the night
of June 5, 1944, with the parachuting of three airborne divisions whose
mission was to capture certain key

along the Normandy coast.

On June 6 a great


bombardment began at
05:50 to detonate large minefields along the shoreline and destroy enemy
defensive positions. At 06:30 the shelling stopped at the exact moment
when hundreds of Rangers staged the daring attack on the Pointe-du-Hoc
cliff (at Omaha Beach) and 135,000 men and about 20,000 vehicules began
the Allied landing on the beaches of Utah, Omaha, Gold, Juno and Sword.

*Official commermorations and local celebrations of the heroic events of
June 5 and 6, 2004 and other milestones of the 80-day Battle of Normandy,
will take place in Normandy starting in April 2004 and take place through
the end of the year. The events and celebrations are coordinated by the
non-profit organization “Normandie Memoire,” the official web site for
commerorative events.

*Each Allied country will have its own official ceremonies for June 5 and
June 6th. For United States WWII veterans who wish to participate in the
official ceremonies organized by their country, they should first contact
their unit for what plans are already underway (group trip etc…). They
should also contact the Pentagon-Office of the Secretary of Defense.

Download the Maison de la France comprehensive 13-page pdf file on the
D-Day commemorations, celebrations and special section for veterans. It
includes information for veterans on how to get the 60th Anniversary
Commemorative badge: http://www.franceguide.com/us/d-day_usa.pdf
Normandy is pulling out all the stops for the 60th anniversary of D-Day
with a slew of June 6th events. Make plans to attend a ceremony or other
event with this calendar. There are also countless events throughout the

June 5th, 2004
3:00 pm French-Canadian bi-national ceremony in BENY- REVIERS
3:45 pm or 4 :00 pm French-Norwegian bi-national ceremony in VILLONS- LES-BUISSONS
June 6th, 2004
9:30 am French-American bi-national ceremony at UTAH BEACH
9:30 am Canadian Ceremony at JUNO BEACH
9:30 am French-Dutch bi-national ceremony (to be confirmed) in PONT-AUDEMER
10:00 am or 11:00 am French-Polish bi-national ceremony (to be confirmed)
11:00 am French-British bi-national ceremony in BAYEUX
11:00 am American ceremony in COLLEVILLE-SUR-MER
12:20 pm Official Lunch with Heads of State at the City Hall of CAEN
3:30 pm International ceremony in ARROMANCHES
4:45 pm End of the International ceremony
5:30 pm British ceremony in ARROMANCHES
5:30 pm American ceremony at LA POINTE DU HOC
5:30 pm French national ceremony in OUISTREHAM
6:00 pm End of the French national ceremony
6:20 pm French-German bi-national ceremony at the Memorial for peace in
June 7th, 2004
Morning: Norwegian ceremony in HERMANVILLE
August 15th 2004 (program to be confirmed)
International ceremony in Toulon (schedule to be confirmed)
9:00 am French ceremony in CAVALAIRE
9:00 am French ceremony in DRAMONT
See the entire schedule by clicking here:


Mark your
calendar for the upcoming exciting conferences sponsored by the International
Living Paris Office! 

and Living in France

June 18 – 20, 2004
Paris, France


If you’ve always dreamed of moving to France or starting a new life in
Paris, this power-packed conference is a MUST. Hosted by the International
Living Paris Office and Adrian Leeds, director and editor of the Parler
Paris newsletter, these few days will arm you with all the information you
need to make it happen! The line-up for the conference includes seminars,
discussions, dinners, cocktails — with well-known experts in the fields
Obtaining the Right to Be in France
Learning the Language
Bridging the Cultural Differences
Making the Move
Earning a Living
Starting a Business
Minimizing Your Tax Liability
Finding, Buying and Owning Property
Renting Your Property for Profit
Renovating Your Property
Learning About the Leaseback Program
Getting a Mortgage
Health Care and Insurance
Smart Offshore Investments
Take a Private Tour of the City Hall of Paris!
Have Cocktails and Dinner with Thirza Vallois! (Open to Everyone!)
Plus take the Survival French Workshop with Elisabeth Crochard! (Open to
If you’d like to know more about the conference or reserve your place,
email Schuyler Hoffman,

[email protected]/parlerparis

Living and
Investing in France

September 10 – 12, 2004
Washington, DC


Have a Special Dinner and Virtual Tour of Paris Past, Present and Future
with Internationally Acclaimed Author and Historian Thirza Vallois!
Saturday, September 11, 2004
Optional Activities (Open to the Public):
Drinks with the Dynamic Duo in DC
Thursday, September 9, 2004, 6:30 p.m.
Crossing the Cultural Divide with Polly Platt Author of “French or Foe?
and “Savoir Flair” will be talking with you about…”Understanding the
French and Unlocking the Cultural Codes” And
Single in the City of Light with Adrian Leeds
Editorial Director of the International Living Paris Office will be in
Washington, DC talking with you about…”What It’s Like to Be a Single
American Female Living in France”
Learn more about Drinks with the Dynamic Duo:
Special Walking Tour of French-Speaking DC with Kirsten Keppel
Monday, September 13, 2004, 10:30 a.m. to 12:30 p.m.
Savor the elegant flavor of DC’s famous Kalorama District as you discover
the history behind the Ambassadors’ residences, private art galleries, and
embassies of DC’s French-speaking world.
Read more about the walking tour:
Reservations and information: If you’d like to know more about the
conference or reserve your place, email Schuyler Hoffman

[email protected]/parlerparis

Working and Living in France
October/November 2004
Languedoc-Rousssillon, France


** Writing Your Memoirs Creative Writing Seminar in the South of France
June 13th – 18th, 2004


** The Ultimate Travel Writer’s Workshop
June 17 – 20, 2004
Chicago, Illinois


If you’d like to join us at any of these, drop us an email at
[email protected]/parlerparis
and we’ll be sure to email you as soon
as we have more information.
Visit https://adrianleeds.com/wp-content/uploads/newsletters/parlerparis/liveinfrance/index.html


A service of http://www.xe.com/
Subscribe for free at: http://www.xe.com/cus/

Rates as of  2004.06.03
16:14:50 GMT.

1 U.S. Dollar equals 0.819883 Euros (0.826014 Euros last week)
1 Euros equals 1.21969 U.S. Dollars (1.21063 Dollars last week)
1 U.K. Pound equals 1.50670 Euros (1.49893 Euros last week)
1 Euro equals 0.663700 U.K. Pounds (0.667142 Pounds last week)
The International Living Paris
Office can help you secure a mortgage
in France with interest rates as low as 3.35%.

Visit https://adrianleeds.com/wp-content/uploads/newsletters/frenchproperty/loan
for more
information or contact

We are constantly looking
at properties for sale to offer to our
subscribers only. Each week we will be bringing you one or two
properties we believe are especially worth your consideration. As a
subscriber, you will have an exclusive first look at these.

Properties sell very quickly in Paris. The best way to find the
apartment or home of your dreams is to allow us to do a preliminary
search before your arrival so that you visit only the best of the
properties and can make a decision quickly.
To learn more about our property
search services, visit:


Nestled on the Mediterranean Coast, Le Cap d’Agde is ideally situated on
the Herault Coastline, at the heart of a region boasting a wealth of
nature, history, cluture and architecture. To the east, discover the
barrier beaches sandwiched between the sea and lakes as far as the
Camargue and also Sete and Montpellier along the way. To the north, the
countryside with its picturesque villages, numerous historic sites and
beautiful scenery extends a warm welcome. To the west, follow the Canal du
Midi, which is classified as a World Heritage Site by UNESCO and visit the
proud cities of Beziers, Narbonne and Carcassonne.
localisation : France – Mediterranean Coast
price range : Starting 500,000 Euros and Above
rental income : MAX 4%
Rating : 5 Stars
Flat Size : Up to 4 Bedrooms
Package : Yes
Delivery : Delivery December 2005
L’Ile Saint-Martin is located in Cap d’Agde, one of the most popular
sea-side resorts, on the Mediterranean coast between Montpellier and
Perpignan, with long sandy beaches, a golf course, and excellent sports
facilities all close by. The residential complex is only a short walk
across the bridge to shops, cafes, restaurants, markets and nightlife.
Your luxury villa with a landing stage on the sea — Each villa is
fully-furnished and euipped with luxury items : boat mooring on the
marina, private and enclosed landscaped gardens, terraces with a pergola,
jacuzzi, fireplace, fully-equipped kitchens and bathrooms, bedrooms with a
dressing room, reversible air-conditioning, electric rolling shutters,
plus private individual underground car park for 2 or 3 cars.
A secure place to live
First priority is given to pedestrian areas, punctuated with little
squares and promenades to ensure the security and tranquility of the
inhabitants. Access to the island is made by a highly controlled, limited
access road, ensuring your complete privacy and security. Surveillance is
ensured throughout the year, 24 hours a day, 7 days a week; and each villa
has an individual alarm system connected to the caretaker, electronic
surveillance and a safe.
Experience a new “Arte de Vivre” on a private island marina
Discover an outstanding new development of exception composed of 64 villas
with 3 to 4 bedrooms and boat mooring (8 to 20 metres) on the private
Saint Martin Island, within the Cap d’Agde yachting harbour, just steps
away from the lively shopping area of the famous Languedoc resort.
* 3 Bedroom Villas – 129m2 to 177m2 living space + terraces, gardens, and
private jacuzzi – Priced 561,000 Euros HT to 635,000 Euros HT
* 4 Bedroom Villas – 174m2 to 214m2 living space + terraces, gardens, and
private pool – Priced 1,010,000 Euros HT to 1,055,000 Euros HT
* Each fully furnished luxury home includes personal car garage and boat
* Guaranteed net rental income of up to 4% HT plus full 19.6% VAT refund
* Delivery December 2005
For more information, contact: Jean-Marc,
[email protected]
Full details and more photos at:



Number of rooms 6
Habitable space 150 m²
Living room 30 m²
Number of bedrooms 3
Kitchen NC
Bathroom 1
Lot 60000 m²
Basement None
Garage Yes
Construction Stone
Roof Slate
Old farm on six hectares with a large garage, studio and various farm
buildings on the land.
Asking Price: 328,000 Euros + 2% Finder’s Fee

Number of rooms 6
Habitable space 120 m²
Living room 30 m²
Number of bedrooms 3
Kitchen Simple
Bathroom 1
Lot 1100 m²
Basement None
Garage None
Construction Stone
Roof Tiles
Exposure Southwest
Old house, tranquil spot, beautiful fruit trees.
Asking Price: 240,500 Euros + 2% Finder’s Fee
Number of rooms 7
Habitable space 210 m²
Living room 70 m²
Number of bedrooms 5
Kitchen Simple
Bathroom 3
Lot 3520 m²
Basement None
Garage Yes
Roof Slate
Exposure East
Asking Price: 389,964 Euros + 2% Finder’s Fee

Number of rooms 4
Habitable space 132 m²
Living room 42 m²
Number of bedrooms 2
Kitchen Equipée
Bathroom 1
Lot 3000 m²
Basement None
Garage Yes
Construction Half-Timbered
Roof Slate
Exposure South
Asking Price: 185,840 Euros + 2% Finder’s Fee
Number of rooms 4
Habitable space 88 m²
Living room 25 m²
Number of bedrooms 2
Kitchen NC
Bathroom 1
Lot 590 m²
Basement None
Garage Yes
Construction Stone
Roof Tiles
Exposure South
Two hours from Paris in a small tranquil village, an old house of stone
covered by small tiles with foyer, living room, bedroom, bath and toilet.
Immediately habitable. Lot close to 590m² and independent vegetable
garden. Perfect for a second residence.
Asking Price: 120,913 Euros + 2% Finder’s Fee
The best way to find the
home or apartment in France of your dreams is to designate a time to be
here to do a proper search. For more information about our property search
services visit

for serious inquiries regarding these properties click here to email
Jocelyn Carnegie, French Property Consultant:

[email protected]

Next session June 22, 2004, 1 p.m.
Notaires de Paris
Place du Châtelet
12 avenue Victoria
Additional information on Les ventes aux Enchères des Notaires can be
found on the website at
(in French, though the site has a button for an English
version, it doesn’t work reliably well).
To read Schuyler Hoffman’s article about the property auctions in
Paris, click on:



4 rooms 78,5 m²
26 place Denfert Rochereau
75014 PARIS 14th
Starting Bid: 180,000 Euros
Deposit: 36,000 Euros Accéder à la fiche de ce bien

2 rooms 39,4 m² loué
26 place Denfert Rochereau
75014 PARIS 14th
Starting Bid: 45,000 Euros
Deposit: 9,000 Euros Accéder à la fiche de ce bien
4 rooms
26 place Denfert Rochereau
75014 PARIS 14th
Starting Bid: 185,000 Euros
Deposit: 37,000 Euros Accéder à la fiche de ce bien
2 rooms
26 place Denfert Rochereau
75014 PARIS 14th
Starting Bid: 80,000 Euros
Deposit: 16,000 Euros Accéder à la fiche de ce bien
4 rooms 77,3 m²
26 place Denfert Rochereau
75014 PARIS 14th
Starting Bid: 185,000 Euros
Deposit: 37,000 Euros Accéder à la fiche de ce bien
2 rooms 40 m²
26 place Denfert Rochereau
75014 PARIS 14th
Starting Bid: 80,000 Euros
Deposit: 16,000 Euros Accéder à la fiche de ce bien
4 rooms 76,8 m²
26 place Denfert Rochereau
75014 PARIS 14th
Starting Bid: 185,000 Euros
Deposit: 37,000 Euros Accéder à la fiche de ce bien
2 rooms 39,6 m²
26 place Denfert Rochereau
75014 PARIS 14th
Starting Bid: 80,000 Euros
Deposit: 16,000 Euros Accéder à la fiche de ce bien
2 rooms 27,2 m² loué
26 place Denfert Rochereau
75014 PARIS 14th
Starting Bid: 40,000 Euros
Deposit: 8,000 Euros Accéder à la fiche de ce bien

6 rooms 125,6 m² loué + 2 locaux de service
27 rue de la Bienfaisance
75008 PARIS 8th
Starting Bid: 442,000 Euros
Deposit: 88 400,00 Euros Accéder à la fiche de ce bien
2 rooms 48,5 m² + Box
65 boulevard du Commandant Charcot
Starting Bid: 190,000 Euros
Deposit: 38,000 Euros Accéder à la fiche de ce bien
4/5 rooms duplex 135,65 m² + cour-jardin
6 square Henry Paté
75016 PARIS 16th
Starting Bid: 534,000 Euros
Deposit: 106 800,00 Euros Accéder à la fiche de ce bien
2 rooms 31,6 m²
20 passage Cardinet
75017 PARIS 17th
Starting Bid: 70,000 Euros
Deposit: 14,000 Euros Accéder à la fiche de ce bien
5 rooms 125,8 m² loué
31 boulevard Voltaire
75011 PARIS 11th
Starting Bid: 280,000 Euros
Deposit: 56,000 Euros Accéder à la fiche de ce bien
7 rooms 206,59 m² + Jardin, terrasse et garage
1 avenue Junot
Résidence Le Moulin de la Galette
75018 PARIS 18th
Starting Bid: 1 250,000 Euros
Deposit: 250,000 Euros Accéder à la fiche de ce bien


NEXT MEETING: Tuesday, June 8, 2004

This is your opportunity to meet every month, often with local
professionals who can answer your Working and Living in France
questions. You are invited to come for drinks and share your questions
and comments about what it takes to create a life here, own property
and enjoy what France has to offer. It is also an opportunity to
network with other Parler Paris readers.
Upstairs at La Pierre du Marais
96, rue des Archives at the corner of rue de Bretagne, 75003 Paris
Métro Lines 9, 3 et 11, stations Temple, République or Arts et Métiers
For a detail description of the past meeting and for more information
about Parler Paris Après Midi, visit:



Don’t forget that with your
FPI subscription you are entitled to a discount on the purchase of any
Insider Paris Guides. You’ll find details of the guides at
. When ordering, a box will pop
up allowing you to enter the following username/password

Order more than one guide
at a time and you will receive an additional discount!

Username: propertyinsider
Password: liveinfrance

If you are seeking to rent
a furnished apartment for a week, a month or a year or you have an apartment
you wish to rent, contact Adrian Leeds




As an FPI subscriber, we offer you special access to our time and
knowledge with our own quarterly conference calls. The next scheduled
conference call is Sunday, July 11th at 8 p.m. Paris time, 2 p.m.
Eastern time. Mark your calendars now, but don’t worry, we’ll give you
plenty of advance notice.
Conference Date: Sunday, July 11th, 2004
Conference Time: 2pm EST, 8 p.m. Paris time
*** To listen to the last conference call of April 18th, click here:



– FPI Website: To access any
password protected pages, the username is: fpiuser and the
password is: paris1802. If your computer utilizes cookies, once you log into a subscriber
only section, the login information will remain active for seven days,
after which you will have to login again.

– Past issues of FPI are available
on the website. You will find the “Past Issues” link on the
left under “Subscribers Only” or by going to https://adrianleeds.com/wp-content/uploads/newsletters/frenchproperty/insider/subscribersonly/archives.cfm

– To receive your free French
Leaseback Report or the Paris Property Report, click on

and download the pdf versions.

– Instructions for upcoming
conference calls are on the FPI website. You’ll find the link under the
“Subscribers Only” section on the left of any page.

– Get In On The Discussion:
Care to weigh-in on current HOT topics of discussion on France? Get in
on or start your own thread on our bulletin board at

rent by the week or longer

Two lovely 2 or 3-bedroom apartments — 1st arrondissement, same building.
Just minutes away: the Louvre, Tuilleries, Place Vendome and more. French
style gives you a true taste of Paris. Fully equiped makes your Paris stay
effortless, comfortable and memorable.
Complete information and photos at

* 20, rue du Cherche-Midi in the 6th arrondissement, just down the street
from the world famous Poilâne bakery. Métro: St. Sulpice. 45 square
meters: bedroom, bath with tub/shower, kitchen, dining room and living
room area with trundle bed (2 twins). Fully and elegantly furnished. Cable
TV. Sleeps 4. Fully furnished. Decor composed of 18th century oak
panelling. 2 flights up.
Last Minute Bargain Price: 150 Euros a night.

* 23, rue Mazarine in the 6th arrondissement. Métro: Odeon
45 square meters: bedroom, bath with tub/shower, kitchen & dining area,
living room with bedcouch. Sleeps 4. Fully furnished. Cable TV. Beautiful
restored stone wall, beams, charm of 17th century building. 3 flights up,
no elevator.
Last Minute Bargain Price: 150 Euros per night.
* 41, rue Mazarine in the 6th arrondissement. Métro Odeon
40 square meters: bedroom, bathroom with shower. Kitchen. Dining/Living
room with bedcouch. Sleeps 4. Fully furnished. Cable TV. Restored interior
brick wall. 2 flights up with elevator.
Last Minute Bargain Price: 155 Euros per night.
To book any of these apartments, contact Porter Scott at

[email protected]


the heart of the Marais on rue de Turenne: 115 m2 on an “étage noble”
of a Hôtel Particulier, 5 rooms, furnished, including large salon, large
bedroom with beautiful false marble motif and “parquet de Versailles”
floor, full kitchen including washer/dryer, dining room with one full-wall
hand-painted Greek/Turkish expressionist motif, full bathroom in green
marble. Central heating. High ceilings. Ample bookshelves. All amenities.
Available for long-term rental. 2950 Euros per month.

Contact Sam Okoshken,
[email protected]


Make this exquisite contemporary private residence your home away from
home while vacationing in Provence this spring or summer. Paradise for the
person who appreciates fine esthetics, this restored farm house dating as
far back as 1682 is in the heart of Provence in the green setting of over
seven acres of olive and chestnut trees, terraces and gardens with a
private pool. “La Vernatelle” is less than 20 minutes from Saint Tropez,
but nestled in the forest of La Garde Freinet en Provence. Three bedrooms,
four baths, seven terraces, a chimney, a large mezzanine for reading and
lounging overlooking the main living area, pool and much, much more! Read
more about La Vernatelle…


2,975 Euro per Week
To reserve or for more information, contact:
[email protected]
Tasteful, Calm at Saint-Germain-des-Prés, 6th arrondissement, one bedroom
apartment, sleeps 4. Amenities: Fireplace, Phone, Cable TV, Full Kitchen,
Microwave, Refrigerator, Cooking Utensils provided, Linens provided, Washer
& Dryer, Bathtub with Shower.
For more information, visit:
or contact



in your own 17th-century pied-à-terre in the heart of Saint-Germain-des-Prés,
Paris, by the week or month. Sleeps 4. Newly furnished and redecorated.
Totally charming. From $150 per night.

contact Porter Scott at

Guest Room or Two-Bedroom Apartment Located in a 17th century Le Marais
Hotel Particulier, this 70 square meter apartment two-bedroom apartment
with lots of light is nicely furnished and is perfect for a single woman
in the freshly renovated guest room when owner Adrian Leeds is in or for
up to 4 people when she’s traveling.
The Guest Room is offered
at 525 Euros per week (75 Euros per day, 200 Euros deposit deposit required).
The Entire Apartment when available is offered at 875 Euros per week (125
Euros per day, 350 Euros deposit required). References are required.
Pictures and more details
available at

For information and reservations email:


Monte Carlo Seaside: a dream
flat with a dream view on Monaco and the sea!
Located at the french border
of the principality of Monaco in Roquebrune Cap Martin — this big one
bedroom flat of 600 square-feet with a terrace can easily accommodate
one couple + one extra adult on a convertible sofa. Fully equiped kitchen,
marble bathroom, private cark park, security doors, pure silence, fresh
sea breeze, direct access to the quiet private beach at 200 meters, 5
minutes to Monte Carlo train station or bus stop, easy access from Nice
international airport and Monte Carlo train station.
May to June*: 600 euros
per week
July to September: 800 euros per week
*Special Weeks in May: Monaco
Grand Prix and Cannes Film Festival: 1000 euros per week

and ask for the French Property Insider Special Offer.
See More Apartment Rentals
At: https://adrianleeds.com/wp-content/uploads/newsletters/parlerparis/apartments

1 square meter = 10.7639104 square feet
1 hectare = 2.4710538 acres
For more conversions, refer
to: http://www.onlineconversion.com/
If you’re not a regular reader
of the Parler Paris daily e-letter, and would like to be, simply enter
your e-mail address here (it’s free!):

* * * * * * * * * * * *
Copyright 2004, Agora Ireland
Publishing & Services Ltd.


© Copyright 2010 FrenchPropertyInsider.com




Leave a Comment

Let Us create a custom strategy for you

You can live or invest in France-now.

Property for sale

what's happening

Check out upcoming events, conferences, or webinars. Join us!


Learn about French Property Loan Information.

French Property Loan logo

Read & Subscribe

Dive into more by reading the Adrian Leeds Nouvellettre®

Better yet, subscribe to both and get the updates delivered to your inbox.

Adrian Leeds in red beret and sunglasses

Get started with your dream of owning property in Paris.

Join us on Youtube

Dive into more on how to live, invest & escape to France

Be sure to subscribe!

Advertise with Us

Deliver your message to 15,000+ Francophile readers in our Nouvellettres®

Save money on currency exchange. See who we use and recommend.