Will I Earn Enough to Live and Save in France

June 7, 2010 by tony · Leave a Comment 

This is a recent exchange of mails I had with a newsletter reader who wants to come to live and work in France. I can only make comments based on my personal experience and observations and would welcome any input from other readers.

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Hi Tony,

I just discovered your site via a link from http://www.moving-to-montpellier.com/, which referenced your recent post about renting apartments in France.

I am an American software engineer living in Minneapolis currently. My wife and I are interested in moving to France, and I am currently interviewing with a company in Grenoble.

I just wanted to write and say “Merci” for the great website(s), I’m looking forward to reading your other posts this weekend.

I really enjoyed your post, I can’t remember the link, but you had written “Wisely, Paris built their Disneyland outside the city & they plan to keep it there.”. You articulated in that article exactly what my wife and I experienced in France at different times and exactly why we want to move there- in France life is not always judged in terms of money value.

I have one question in particular I’m trying to answer to help assuage some anxiety I have about this move:
I get the impressive that the French generally save a lot of their paycheck, I think I read somewhere that they saved 10%, which is about 11% more than what the average American saves. I also have the impression that food costs are rather high compared to the US, and rent seems a bit higher too (in Grenoble I’ve found 800 Euro seems to be the going rate for a one bedroom place). I have contradictory impressions; a lower salary, a higher cost of living, and yet higher savings rates than in the US.

The approximate salary I have found for my work is about 50K euro in Paris, and less in the provinces, although I’m not sure yet how much less.
Would this be enough to provide for myself and my wife, own a car, and still save money?

Thank you,
Jeff

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Hi Jeff

Income in France is low – average is about 22,000 euro a year – you can get a better idea about income from this site – http://www.worldsalaries.org/france.shtml

However a salary has a lot of social charges paid by the employer – it virtually doubles the cost of employing someone – for this you get the best health care in the world and excellent social services, education etc.

Housing is,expensive, the rent for Grenoble sounds about right, 800 euro a month for an apartment.

Cars are comparatively expensive, as is fuel, about 5 euro a gallon

Food I am told is more expensive than the USA, quality is good and the French are very careful shoppers.

The French are traditionally savers and the 10 percent or so of earnings does not surprise me.

You hit the nail on the head – it is impossible to put a value on the quality of life. With the sort of salary you have been offered you would be considered a wealthy person in France and could live comfortably, but never luxuriously.

Hope this helps

Best wishes

Tony

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Hi Tony,
Thanks for your response. So far my job hunt has yielded nothing. I realize this is a pretty general question, but do you have a suggestions for finding a job in France?

So far I’ve been sending out emails in response to job site listings. I’ve had a couple of calls, but no offers. Some contacts I’ve discussed this with have said the key is to be in France, rather than in the US. Others say the immigration rules in place now will make getting an offer very difficult in France. Others say I should be able to hire myself out as a consultant. Some say I should stick looking for jobs with larger corporations, although my preference is to work for smaller organizations.

If you have any suggestions you’d care to share, I’d be grateful,
Jeff

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Hi Jeff,

It is difficult to find work in France, most companies only recognise French qualifications and it is a fact that they will prefer to employ French nationals, there is supposed to be equal opportunity for European countries, but this is not apparent – for non- European it is much harder to get employment unless you have a skill which is badly needed and not available in France.

To have a chance of getting employment in France you will need complete mastery of the French language and be established in France with good references. French companies generally only recognise an education based on the French baccalaureate.

All I can suggest is reading through as many forums and adverts you can, in French, to explore opportunities – I think it would help if you were based in France. Some areas, like Nice and Grenoble claim to be centers for IT businesses, but in my experience the French are a long way behind other countries in software and IT development – it is not just a language thing. There are many reasons why companies keep their payroll down and automate as much as possible, it is why their industry is the most efficient in production per employee in the world, but service industries lag far behind and are generally inefficient.

I will post on my blogs and see if I can get some more feedback.

Tony

Summer arrives in Villa Roquette

May 22, 2010 by tony · Leave a Comment 

Unusually, today I have done nothing at home in Villa Roquette – I should be concreting,plumbing, tiling, painting as well as writing blog posts, advertising, marketing, in addition to researching properties and creating new websites – but, I have just sat down, put my feet up and done – nothing – diddly squit – until now as I am obviously writing about doing nothing which is something I suppose.

My excuse is that yesterday I set, mixed and laid a few tons of concrete for the new apartment terrace, I got carried away as it was such a great day and just kept on ’till I ran out of gravel, so today I have done nothing :)

It has been a good day for doing nothing, hot, calm, dry and sunny – a perfect day in the South of France – our guests are charming and have also done nothing, jut relaxing by the pool, Miranda and Jack have done nothing as well, just getting a tan – Carole of course has been working hard bringing cups of tea and feeding us all.

So now for the summer – can I manage a few months of this, mix a little concrete, feed the fish, walk the dogs – yes, I think I can.

So now to get ready for the winter – I will be marketing long winter breaks in our apartments, or our B&B at super fantastic special rates. We had a smashing couple for three months last winter and it would be great to share out home again with long-stay guests from October through to April (or longer – whatever) – the (very important) central heating operates fine – and winter barbecues or Carole’s great Table d’Hôte meals are wondrous with the local good red wines.

Join us for baked oysters and Champagne on the terraces this Christmas

Property Prices in France

May 20, 2010 by tony · Leave a Comment 

With a stronger dollar and a weaker euro, interest in buying a home in France is strong. For me, having lived here for 20 years, it is obvious that France, especially Southern France, is the best place to live.

If you are thinking about buying property in France then the first question is – how much does property cost in France. A better question, perhaps is – how much do homes sell for in France.

All French property is sold and valued by the area of usable living space in the main house, not garages or utility rooms, but main rooms, bedrooms, living rooms etc. This is shown as the price per square meter, it does not include the land or outbuildings. This habitable area is very precise and will be shown on the legal documents, tax assessments and all paperwork for a property. All property in France is sold through a Notaire and this price is reported and the cost per square meter is calculated from actual sales made.

There are now a number of websites offering help for you to find the price of French real estate. I have written about pap.fr before they have search form you can identify the cost paid per square meter.

On Facebook today I discovered from a really good blogger PollyVousFrancais another really slick site http://www.meilleursagents.com/ – it even has a mobile app wher you can point your phone at some proeprties in France and get the price properties have sold for in that location.

It is important to stress that these are not valuation or even estimates of the price of a specific property in France – but aggregated figures on historical sales.

The two sites above are OK for a quick snapshot of price indication, but If you are thinking of buying property in France do some deeper research into trends from sites like….

Immoprix
Paris Notaires
National Institute of Statistics and Economic studies
Notexpert

Other sites good for researching data on properties and places in France include….

http://www.lescommunes.com/
http://www.fallingrain.com/world/FR/

The botom line is that any property is only worth what someone is prepare to pay for it – but don’t make the mistake of comparing prices in other countries with prices in France.

A warm and Sunny Day in February

February 7, 2010 by tony · 1 Comment 

It was not a “Dark and Stormy Night” – but a bright and Sunny day today, so we went to the seaside to collect some seashells for my Mum.

Not much more to say really except “Wish You Were Here” and show some photos or Marseillan Beach and Marseillan Town (the beach is on the Mediterranean and the Port is slightly inland on a huge inland sea-lake.

Marseillan Beach in Languedoc

Marseillan Beach on the Mediterranean in Languedoc

Marseillan harbour Entrance

Marseillan harbour Entrance Languedoc France

Marseillan Port

Marseillan Port

Front of our Home at Villa Roquette

Front Entrance for Villa Roquette

We collected plenty of sea-shells, but could not get a stick-of-rock for my Mum.

Eiffel Eyeful

January 4, 2010 by tony · Leave a Comment 

Photo by Brian Tibbets, (www.tibbets.
Image via Wikipedia

I thought I had written about this before. When you are in Paris you can book your ticket for the Eiffel Tower online and print it out. This official service is at Tour-Eiffel.fr

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Beziers the Gateway to the South of France

December 30, 2009 by tony · 1 Comment 

Our home in the village of Montblanc is between the towns of Beziers and Pezenas. We are a few minutes from the Mediterranean, and are now the focus of a communications network of airports, motorways and high speed rail connection – yet we nestle in a calm and tranquil river valley which has not changed for centuries.

Millau Bridge
Image by tibchris via Flickr

I am busy sorting out the marketing for our Apartments and Bed and Breakfast accommodation in our home and
we are offering some great deals and discounts for 2010 in our January Sale.

These are exciting times, the new Motorway from Paris, the A75, a

rrives a few kilometers from us. You cross the highest viaduct in the world, often above the clouds, at Millau.

For centuries, over 800 years, after the crusade against the Cathars, Languedoc was a forgotten backwater, lost in time. The combination of sun, soil and steam-trains in the 19th century brought enormous wealth to this quiet paradise, but not many visitors. The Internet has changed this – in under 20 years, Languedoc has become not only the most desirable place to live in France, but the wines, once considered a vast lake of  cheap plonk, are now rated as some of the best in the world. The sun shines longer in Languedoc and communications are the best in France with the best road, rail and air connections in France.

 

A high-speed double-decker TGV train in Toulon
Image via Wikipedia

 

At the center of Languedoc is the city of Beziers. An ancient Roman town which still has bullfights in the arena each year. Famous for the birthplace of the Canal du Midi, a World heritage Site and also for the massacre of thousands in the crusades against the Cathars in the 14th century.

Beziers is coming back to life with a new airport and new ideas to show the world how Languedoc became the cradle of Western Civilisation in the age of the courts of love of the troubadours.

A new website from Beziers begins to show the return of this cradle of enlightenment.

 

The Canal du Midi, approaching the round lock ...
Image via Wikipedia

 

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A Plague Upon Their Houses

October 13, 2009 by tony · Leave a Comment 

I had a mail from an associate asking about real-estate advertising websites and earning commissions – I have been deeply involved in this over the last ten years and have strong feelings about it.

In my blogs, I have been less than polite about realtors dealing in France, I have had some of these parasites threaten me with legal action – but I have also met a few, very few, (in fact one), gentleman I would recommend .

Here is a reply to an email today, it is at the end of a thread about realtors etc, but it has encouraged me to set out a little more clearly what I am trying to do – Vlad, if yo are reading this we must get this software sorted, if you don’t have time then Richard and Raj, please work with me to make this your next app !!

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Hi Steve,

My feeling is that real-estate dealing, and all aspects of property sales in France, is, at present, a “commoditised” business and is only attracting a rats-in-a-cage scenario. People will always make money out of selling what is to be sold, but, for-me, this is a bad/dead business.

As all property in France has to be sold through a Notiare, the value of an immobilier is zero – they do not act as true brokers, they do not assist either the buyer or seller, their only interest is to get a mandat and/or get a bon de visite and ensure an immoral level of commission for nothing – a plague on all of them and away with the scoundrels.

What is needed is a true brokerage service (buy it and resell it) or a true marketing/sourcing service (act for the buyer/seller) which clearly sets out the service offered and charges a fair price for the work.

However, to be able to offer any sort of viable and useful service in this area in France, a universal listing facility is needed and the corrupt and disgusting cartels done away with. Dream on.

I am working (too slowly) on software to scrap the useless listings of myriads of agents and simply give a complete “mashup” of all properties listed from existing Internet sources – then use techniques to identify these properties and give information about the seller/owner/agent dealing with it.

So in simple terms, anyone looking in a specific area or for a particular property can see, in one search, all properties, in detail, with full contact information, everything on the Internet which is relevant – this will represent about 80 percent of the relevant search criteria and be many mny times more relevant, efficient and time saving than trawling through the thousands of uninformative agency sites and for iPhone or Facebook would cost a user a very small amount. This concept is an “app” costing from zero to perhaps 4 euro. There are over 500,000 target clients for this.

OK, that is my aim – I cannot see any viability in any “new” listing site, only heartache and wasted time – those early Internet days are nearly gone.

Fractional Ownership is mostly marketed for the “almost” rich people who want a slice of something they cannot really afford – interestingly, in my opinion, it does have a place and is a good product and I would like to find the right marketing angle for this.

Without a license or correct registration, any commission you get on a sale is discretionary – 10 percent is the usual for a non-registered person, you can only do this two or three times with impunity – as an agent commercial I would demand 50 percent of the commission, most gave me 60 to 75 percent of their commission.

Lots to talk about

Models of French Life

June 22, 2008 by Tony · Leave a Comment 

France is a big country with several totally different climates and thousands of years of local traditions. Every army has marched back and forth, conquering and settling in this rich and fruitful country.

France is also the most visited area in the world, in 2007, I am told by the official figures, over 82 million people came to France with about 60 million stating it was their main destination. I still dount these figures, but any way you look at it is a lot of people.

France is also a very popular place for families to mover to and people to retire to – the combination of a great lifestyle, security, civilisation and great public services make it a top choice.

France is still a strong farming country – self sufficient and exporting, the farming culture is very strong in rural France, and there is a lot of rural France.

I get a lot of questions about the “best place to live” and “what do I think of …” – I can only comment that “it depends what you are looking for” – remote country areas will be cheaper and may have great scenery, but the will be – well – remote, isolated, often bloody cold in winter and, ummm boring to al ot of people – but it may also be a dream for many other people.

Her is a recent mail I relied to about a town in Languedoc…

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Hi Tony,

We read all of your articles, thank you for writing them!

What is your personal opinion of the village Lezignan-Corbieres? Are you familiar with this area? We purchased a Village home there some 5 years ago, and have not been back as often as we would like. You seem so knowledgeable regarding the different areas, and while we like the village, we would like a second opinion,from someone we consider to be an insider.

Thank you!

Lynn

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Hi Lynn,

I like to visit the area around Narbonne and Lezignan-Corbiers, but some parts prone to high wind (hence all the wind generators in that region) and, apart from a little in Narbonne, culture is sparse.

It depends what you are looking for -

The French model is family based. often with very large extended family groups, they keep close and private and take a lot of vacation time in adjacent areas – this can suit people looking for peace, quiet and simple relaxation, or an “escape” from a stressful iestyle.

The “tourist” model usually needs itineraries, plans, routes, travel, visits and stimulation – this is good for a couple of trips or infrequent visits, but for a lifestyle will “burn out” most French towns and villages an the local region very quickly. Larger cities are needed to keep this level of tourism alive and contented.

The second home model, the time on vacation is usually taken up with repairs, building work, decoration and expense. Once the property is finished it usually reverts to “quiet and boring mode” and the owners then try to sell for a big profit (not always successfully).

The lifestyle model – leaving a steady though boring job to run a BandB, farm, cafe, small shop etc – always a much harder experience than expected and often not as rewarding as the previous lifestyle – paperwork and taxes usually kill this dream off in about four years.

Lezignan-Corbiers suits the French model, as long as you are a farmer.

Just my 2c

Bonne Chance

Tony

This French Life

May 28, 2008 by Tony · 1 Comment 

This French Life is a good newsletter which keeps me thinking “I wish I had written that – it always has important stuff , the one today mentions the new rules for red triangles and jackets in cars which I did not know about.

I am not associated with the newsletter, but if you read this Craig perhaps you can give me a plug :)