Rick Lover


The European Commission unveils its long-awaited reform of migration policy on Wednesday. A “compulsory solidarity mechanism” between European states in the event of migratory pressure and more returns from rejected asylum seekers: Brussels is presenting a thorny reform on Wednesday 23 September, five years after the 2015 refugee crisis.

The fire two weeks ago in the Moria migrant camp, on the Greek island of Lesbos, once again reminded us of the urgency of common asylum policy in Europe, which has continued over the past few years. come up against divisions among the EU countries. It is in this context that the European Commissioner for Home Affairs, Ylva Johansson, and the Vice-President of the European Commission Margaritis Schinas unveil this Wednesday at midday, a “new Pact on migration and asylum”.

It must make compulsory the “solidarity” of all EU countries with countries of the first arrival of migrants, such as Greece, Italy or Malta, when the latter is “under pressure”. The aid which “not only” takes the form of relocating asylum seekers to other EU countries, but can also translate into “return assistance” for people who are refused asylum to their country of origin, according to Ylva Johansson.

This is a way of getting around the persistent refusal of countries like those of the Visegrad group (Poland, Hungary, Czech Republic, Slovakia) to welcome asylum seekers, which failed the distribution quotas decided after 2015. But the subject turns out to be thorny, with some judging the alternatives to relocation impractical for small countries which do not necessarily have the means.

Replace Dublin Regulation

The Commission also wants to speed up asylum examination procedures, to quickly determine whether a person is eligible, and to prevent applicants from living in camps in “uncertainty”. To increase returns, which are only effective in less than 30% of cases, the EU executive wants to work more “closely” with their countries of origin.

“There are many countries with which Europe trades, which Europe supports through development aid, through a security presence and which today do not agree to take back any national in the framework of renewals ”, underlines the French Secretary of State for European Affairs Clément Beaune. “This is not acceptable, I believe that we have the means, even if it is, of course, difficult, to change that, to sometimes put more pressure”, he explains, citing among the possible levers the issuance of visas.

The new system planned by the Commission is to replace the Dublin Regulation, the keystone of the current system which crystallized tensions by placing the responsibility of a migrant’s first country of arrival for his asylum application. But “a country you enter must have a certain number of obligations: registering people, possibly providing them with first aid, looking at the files quickly to see if they have a chance of obtaining asylum or not”, fact. to claim Clément Beaune. “Only the country of entry can do it, I believe that this principle cannot be avoided.”

Difficult Discussions

Long-awaited and repeatedly postponed, the Commission proposal, which will have to be endorsed by EU and Parliament, promises difficult discussions. Ylva Johansson doesn’t expect her to sound “cheers”, but hopes it will be seen as an “acceptable compromise”. The Commissioner recalls that the situation is very different from 2015, with the number of irregular arrivals in the EU falling in 2019 to 140,000 people. And if in 2015, 90% of migrants were granted refugee status, today two-thirds are not entitled to international protection, she says.

If she waits to “see the precise elements” of the proposal, the MEP Fabienne Keller (Renew Europe), author of a report on the evaluation of the implementation of the Dublin regulation, considers the whole “rather balanced between the values ​​which are ours […] and a necessary firmness ”. “This is a strong step,” said the former mayor of Strasbourg. For the Greens, MEP Damien Carême is more dubious. The end of Dublin? “I fear that this is semantics”, fears the former mayor of Grande-Synthe, who considers that the “principle of the first country of arrival is a disaster”.

Coronavirus: Americans urged to forgo Halloween celebrations. United States health officials are urging parents not to hold traditional costume parties for this popular event among children.

In the closet, princess costumes, Batman costumes and Donald Trump masks:
Health officials this year called on Americans to forgo the very traditional Halloween celebrations and to stay wisely at home to ward off the specter of the coronavirus.

On the evening of October 31, millions of American children dress in more or less frightening outfits and go door to door asking local residents for sweets, throwing the magic phrase: “trick or treat”

High Risk of the Coronavirus Spreading

The Covid-19 pandemic will shake up Halloween this year. Many traditional Halloween activities can pose a great risk of spreading viruses, the Centers for Disease Prevention and Control (CDC) said in a statement.

Health authorities therefore advise parents not to organize costume parties in closed spaces and even prohibit their children from parading in the neighborhood for sweets.

“Going to a haunted house where people can be crowded together and screaming” is not a good idea this year, the CDC insists.

To celebrate Halloween safely, Americans are encouraged to carve pumpkins at home and hold virtual costume contests.

Los Angeles has given up on taking restrictions

And if the Halloween appeal is really too loud, the CDC considers a “one-sided” candy hunt or disguised parades that respect physical distancing pose “moderate” risk.

Los Angeles County, a major hotbed of the pandemic on the West Coast, originally announced a ban on all Halloween-related group activities, including the infamous “trick or treat.” But in the wake of the outcry over the move, authorities quickly changed their minds, simply saying they were “not recommended.”

The coronavirus is transmitted by air from the mouth and nose, so they argue that yelling and screaming will more easily transmit the virus.

Real Estate Investments in the USA. The real estate sector is very attractive in terms of investments. While the sector is tending towards saturation in France, there are many opportunities in other countries, especially in the USA. Details from our guide to financial investing on US real estate investments.

Reasons to Invest in USA Real Estate

During 2007, the crisis in the real estate sector hit the United States. A crisis whose repercussions are being strongly felt around the world, especially in France. Affected by this real estate crisis in 2008, France is facing a sharp drop in investments in the sector. This is why many investors choose to focus on the United States. After a few years, the increase in the price of real estate investment did not prevent the French from investing in this country. This is explained by the fact that currently, the value of the real estate in the United States is at 70% of its peak in 2007. Thus, a house currently estimated at 98,000 dollars was sold for 130,000 dollars in 2007.

This attraction of real estate investors is also due to the current European economic situation. In fact, in the United States, in addition to simple and fast purchasing procedures, the real estate market is once again in constant progression. Added to this are low closing costs.

In the real estate sector, US investments are enjoying strong profitability. In fact, during 2014, the US rental market experienced an average return of 9.06% in the third quarter. In addition to the very profitable return on investment, rental properties have a high occupancy rate. For example, Wayne County has an average occupancy rate of 91.1%, ranking it 7th among the counties with high occupancy.

As previously indicated, the price of the real estate market is increasing significantly. That said, the price has yet to peak. The opportunities are therefore excellent and make it possible to envisage the possibility of considerable added value. In addition, a tax treaty binds France and the United States. This allows French investors to benefit from favorable taxation. Modified in 2009, this convention gives investors the possibility of avoiding double taxation on rental income. Moreover, American income declared in France is released from the CSG and CRDS.

Risks associated with USA real estate investments

For a potential investor, the first risk to take into account is that of country risk and dollar risk. While the United States is a country of great democratic stability, the fact remains that investments can suffer the harmful consequences of budgetary imbalance.

Then there is the risk inherent in any real estate and rental market. Historically, prices in the real estate sector have been attractive. Moreover, the rent or buy ratios prove it. However, if the price increase is established at a slower pace, it is not certain that it will continue in the years to come. Especially since the unemployment rate is increasingly threatening in some cities.

After that, there are legal risks. It is well known that the United States is a country where court proceedings, trials, and lawyers reign supreme. Therefore, it is essential to take out civil liability insurance. Besides, it is also preferable to create a company there, to preserve the patrimony against possible damages.

Finally, there are natural hazards, especially in Florida and Alabama. Indeed, these two states are often hit by bad weather, cyclones, or other hurricanes. However, in the United States, it is possible to purchase insurance and be compensated in the event of a natural disaster.

There are many investment possibilities in other countries.

The Euro Real Estate Fund. In recent years, investment in the real estate market has seen an improvement in performance. This is why betting on a euro real estate fund becomes a more interesting option than investing in the traditional formula of support in classic euro in terms of life insurance contracts.

Support in Euro

In euro funds, the capital paid into a life insurance contract is managed prudently. In other words, it is not injected into the financial market which is often the victim of frequent fluctuations. In principle, the sum is invested in the general assets of the company. There are generally three types of euro media:

The Classic Formula: In this case, the majority of payments (around 80% to 90%) are placed in bonds or in government loans such as Treasury bills. The rest are engaged in the real estate market or as a shareholder. Thus, the rate of return may vary depending on the key rate applied by the authorities.

The Euro Real Estate Fund: In this alternative, most of the money is mobilized in the real estate sector. In practice, savings are mainly managed by Real Estate Placement Companies (SCPI) or Collective Real Estate Placement Organizations (OPCI).

“Dynamic” euro support: It is also an option derived from the first. Indeed, most of the payments are still injected into the bond market. However, to benefit from a valued return, the 20% or 30% of the investments are placed in shares in the Undertakings for Collective Investments in Transferable Value or UCITS (eg: SICAV and FCP)

In all cases, the rate of return of the contract in euro funds is set by the insurer at the start of the year. It must be determined according to the products made by the company during the fiscal year. In this type of investment medium, the subscriber benefits from a profit sharing called TMG or minimum guarantee rate. This is the minimum return that the company undertakes to pay the saver.

The Advantages of Euro Real Estate Funds

A Secure Placement

With this investment support, the capital is introduced into the active account of the company. Its profitability is therefore guaranteed by it. In theory, the risks are borne by the insurer. It is therefore a better alternative to invest reasonably in the real estate sector. Moreover, thanks to the TMG, the subscriber never loses out of the operation, since he invests without being exposed to the risks of the financial market. However, according to the Insurance Code, this rate cannot exceed 85% of the average of the yield ratios of the last two balance sheets. The only situation which can call into question the security of its savings is therefore the financial vulnerability of the company leading to the sale at a loss of the portfolio.

The Ratchet Effect

According to this concept, the annual products drawn are definitively acquired by the subscriber. In other words, the profits of the past year are no longer recoverable by the insurer. This implies that the capital invested in euro real estate funds cannot be revised downwards.

The Availability

The sums committed to this investment support remain accessible to the subscriber at any time.

Advice from the Broker

Even if the real estate market is on the rise today, it should be noted that the profitability of euro real estate funds is not necessarily going in the same direction. Indeed, its performance may vary depending on the expertise of the insurer’s partner. So, if the manager chosen by it is not sufficiently experienced, the rate of return on the investment will be less attractive.

To optimize your gain, you have to be careful in selecting reliable market players. In this process, the help of an expert credit advisor may be essential. In addition, in the event of failure of the real estate market, it is better to transfer part of the capital to other investment vehicles.

Find the Best Placement to Invest. The financial investments market is full of products, all presented as attractive because of their yield. However, the added value alone is not enough to define the best investment suited to your profile. How to proceed in this case?

Go directly through the bank or through a broker

The first step in finding a suitable investment is obviously to develop your investor profile. This approach largely depends on the nature and duration of your holding as well as the support of your financial investment.

After defining your investor profile, you can directly ask your bank about the financial products it offers and which are suited to your investor profile.

A financial advisor seconded by your banking institution will certainly be able to answer this question and guide you through the bank’s investment offers. You also have the option of going through a professional broker, who will seek on your behalf the investments that best meet your investment criteria.

Go through online comparators

The generalization of online financial investments makes finding the right investment increasingly easier today. On the official websites of banks as on those of brokers, you can access a lot of information on the various financial investments available on the market.

Online comparators have the advantage of offering a detailed overview of all financial investment offers in just a few clicks. You can also run a simulation and learn about the characteristics of the investment suited to your profile. All you have to do then is select the contracts that are closest to this standard investment and initiate the necessary steps for its subscription.

Invest Place or Save the Invest Basics

Should you save or invest/invest your money to fully benefit from your products in the future? Each of its financial investment options has its pros and cons that you owe it to yourself to be aware of.

The concept of savings

Saving is about putting some of your money aside, your goal is to use it later. The notion of saving is closely linked to a willingness to give up the use of a certain amount of money now, to spend it later. The fact of giving up consumption sometimes requires changes, even sacrifices in your lifestyle, hence the notion of compensation by interest. Savings, whatever their nature, can therefore only be attractive if the remuneration it offers suits you.

Savings are also often linked to a specific objective, such as the financing of a real estate project, a retirement, or the transmission of assets. Some savings products allow you to withdraw money from your account from time to time when needed, while others do not allow these transactions. Savings, whatever their nature, offer a guaranteed minimum return known at the time of subscription.

Why should we invest?

Investment refers to the fact of committing a certain amount of money on a financial medium – such as a bond, a company share, or a portfolio of shares -, by betting to benefit from a regular income or a substantial added value. Unlike savings, investing always involves risks, which vary depending on the type of investment. Investing does not guarantee that you will get all of your money back. The main advantage of investing, however, lies in the possibility of generating profits that are significantly greater than inflation, a favor that savings do not offer.

Financial Investment Guidance. Do you want to invest part of your savings or your capital in a reputed profitable financial investment? How to determine if an investment is really interesting? Follow the guide to investing and investing your money smarter.

Concept of return in a financial investment

The term financial investment designates any expenditure aimed at benefiting from the additional profitability of a fund engaged in a transaction or an operation on financial securities or on goods or securities of the real economy, such as real estate. It is therefore important to know how to save.

Whatever medium your money is placed in, your main motivation should be the prospect of profit at the end of the investment period. The profitability of a financial investment can be assessed by comparing the returns of any medium with those of a financial investment generating known interest rates. A profitable financial investment offers its holder capital gains at least equal to the value of inflation at the maturity of the investment. We must therefore make the right choice in the type of investment and in his choice of investment.

The risks in a financial investment

A financial investment, no matter how interesting, always involves risks. The rule to remember is even very simple: the more a financial investment offers high returns, the greater the risks to which you are exposed. An investment in real estate is not, for example, protected from the risk of a sudden drop in market prices, following the explosion of a bubble or the hesitation of buyers. Invest according to your profile and your needs.

From stock market investments to life insurance investments, all financial investments, especially those made in unsecured financial securities, are exposed to varying degrees of risk, depending on the nature and amount of the investment. A good financial investment must therefore be an investment whose proposed return is always greater than the risks incurred.

Invest in the stock market on the different types of investments. Investing in the stock market is one of the many business opportunities available to you. Placing your money on this market nevertheless requires a minimum of knowledge and tools necessary for the smooth running of all your transactions on the different types of investments.

Why invest in the stock market?

Stock market investments allow you to profit from your money by investing it in stocks or other financial securities and benefit from capital gains on resale, remuneration on bonds, or dividends on stocks. Certain investments in the financial markets also benefit from favorable tax provisions.

However, investing your money in the stock market does not guarantee you a fixed income all year round. Worse, you are not immune to a loss of your investment capital, following a misinterpretation of market indices or a sudden collapse in prices. In the same way that it promises attractive gains, the stock market can also lead to substantial losses, which could skew your savings and investment effort.

A market reserved for insiders

This market remains de facto reserved for those who have a minimum of knowledge on the operation and the characteristics of the financial securities which are exchanged there, in particular the stocks, the bonds, and other derivative products.

If you don’t know how to stock market, you always have the possibility of entrusting your capital to a financial manager, responsible for placing your money on the financial markets, taking into account your investor profile. This manager can advise you only on the management of your portfolio, within the framework of assisted management, but can equally well take care of your entire capital, in the case of management under a mandate.

Apart from basic knowledge of the stock market, you must first subscribe to support designed to accommodate your equity or bond portfolios. All stock market transactions take place via a securities account or a PEA. It is therefore incumbent on you to open at least one of these media before considering investing your money in the stock market.

Financial Investment Simulation. A financial investment, regardless of the medium, generates income that should be expected to know the profitability. A simulation, based on data provided by the bank, remains the only way to achieve this.

A case-by-case estimate

The financial investments available on the market differ mainly according to their returns, but not only. Several other parameters make each product a unique investment for each investor profile. Taxation, management fees, any bonuses, and the amount of capital invested are all parameters that characterize a financial investment.

Only a tailor-made estimate of financial returns allows you to know the ins and outs of a financial product of your choice.

Simulating a Placement in Practice

To be reliable, the simulation of a financial investment must be based on your investor profile. How much are you willing to invest in the product? What are your investment goals? Which medium do you prefer, between securities accounts, savings plans, and other life insurance? Do you plan to make free or periodic payments? Do you plan to withdraw money from your investment before its maturity date?

These are some of the questions to ask in the simulation. With these data in hand, you can start the actual simulation by relying on the simulators or calculators offered by banks or online brokers.

The rest is just a formality: a few clicks are enough to obtain all the information related to your financial investment, in particular the cost of taxes and other social contributions or the gains to be expected. The latter index is nevertheless quite complicated to predict, especially in the case of a dynamic financial investment, in other words, which depends on the vagaries of the financial or stock markets.

If your investment falls into this category – multi-vehicle life insurance, PEA, equity portfolio – it would be best to estimate the performance of your product based on the average return on the investment over a few reference years.

Investment Comparison

Financial Investment Calculation and Investment Comparison. The banking market currently has dozens of financial investment offers, each as interesting as the next. How to choose among these proposals? A comparison, based on criteria chosen in advance, is essential.

The displayed yield

Yield is the main criterion for choosing a financial investment. Logic dictates that the higher the return on an investment, the more likely your investment is to perform. Be careful, however, not to give in to the first product that comes along which boasts staggering interest rates, premiums, and capital gains. These returns are often displayed net of charges.

Taxation and Charges

Each financial investment is subject to specific taxation. Regulated savings accounts, such as Livret A and LDD, are thus exempt from income tax, while bank savings products do not benefit from this privilege.

Knowing that taxes levied on profits can be significant, it is more than recommended to dwell on this criterion when comparing your investments. Likewise, charges – such as management fees, administration fees, and other transaction costs – deserve to be analyzed closely, to know the real performance of financial investment.

What about the investment period?

The investment period also influences the profitability of financial investment. The longer the contractual term of an investment, the more risks you are exposed to.

However, these risks are not detrimental: in the majority of cases, the consequences of these financial uncertainties are canceled out over time, thanks to the repetition of upward and downward movements on the financial markets. Whatever the result of the comparison, the financial investment chosen must be compatible with your investor profile.

Financial Investment Calculation

The return on a financial investment, whatever its nature, can be estimated as soon as the contract is taken out. In most cases, however, this assessment is not an exact calculation.

The interest of valuing a financial investment

Banks and insurance banking subsidiaries are used to highlighting the remuneration of their financial investments to recruit new investors or savers. However, these returns do not represent net investment income: tax charges and possible management fees are still not included in these purely commercial announcements.

Only a detailed analysis of each investment offer allows you to know its real performance and to have a first idea of ​​the capital gains you will achieve by subscribing to it.

The use of a savings or financial investment calculator is then more than necessary during this selection process. In just a few clicks, this tool provides you with reference information on the investment in question, in particular the interest generated after a certain number of years of ownership and after a particular amount invested. You are aware of the financial benefits of investing from the start, which is one way to minimize the risks associated with your investment.

Calculate the profitability of an investment

In the age of the Internet and everything connected, several banking establishments provide their customers with online savings calculators. These tools, free and easy to use, allow in a few clicks to have an overview of the profitability or otherwise of financial investment. Their configuration varies from one model to another.

However, their use remains more or less the same. All you have to do is enter the amount of your initial payment, then specify the total value of the capital you wish to invest – via periodic or free payments.

Different Types of Financial Investments. In the very broad universe of financial investments, several types of products are available to you. How to navigate? What are the main types of financial investments to which you are entitled?

Investments with guaranteed returns

This category includes above all regulated or unregulated passbooks, the interest of which is guaranteed by the banking establishment offering them. These investments with guaranteed returns include, among others, the sustainable development booklet, the popular savings account, the youth booklet as well as unregulated booklets such as super passbooks and passbook accounts, which correspond to short-term investments.

In another register, term accounts and deposits also offer attractive remuneration, on condition that they are kept until the end of their contractual term. Investments with guaranteed returns, over the longer term, also include savings plans, such as the PEL, the popular savings plan or PEP, the group retirement savings plan, and the popular retirement savings plan.

Investments with variable returns

Along with guaranteed investments, you have access to different types of media whose performance is indexed to a third party value, such as the index of a group of shares or fluctuations in the financial markets. This category includes in particular stock market investments: UCITS, including investment companies with variable capital, FCPs or mutual funds, and mutual funds.

Multi-device life insurance as well as the title account are also part of this family of financial investments. These products all require a minimum of understanding of the financial markets or the value to which they are affiliated if you are to take full advantage of their results.

Also, the help of a financial advisor is recommended to develop a viable investment portfolio with these supports, in order to find the appropriate financial investment calculation following an investment simulation.

Invest your Money

Do you have money set aside and want to invest it in a profitable investment? Follow the guide on how to choose the best investment for your money.

Choice of the investment horizon

The choice of the duration of an investment depends on several parameters, including your investment objectives and the level of risk you can tolerate. If, for example, you want to save for a real estate project, a long-term investment allows you to have substantial capital at the time of the realization of your project.

A long-term investment is also recommended if you tolerate a high level of risk: a long-term investment also gives the possibility of amortizing any underperformance of your investment.

Choice of investment medium

Several supports are available to you as part of a cash investment. Remuneration varies significantly from one medium to another but remains attractive. Support in the form of a savings account, for example, offers you guaranteed income, on condition that you accept the conditions imposed by the institution offering them (payment ceilings, withdrawal conditions, payment frequency, etc.).

Investments in financial securities promote significant returns, often well above the level of inflation. Note, however, that these capital gains are rarely guaranteed. They still depend on how you manage your investment, but also on certain factors inherent in the evolution of financial markets and the overall economic situation.

These investments can earn you a lot of money, just as they can eat up all your money. In all cases, get support from a financial investment advisor in developing your investment strategy and choosing your investment medium.

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