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In March 2011, Alico (eg AIG) MetLife becoming

Alico France, the former French subsidiary of U.S. giant AIG Group which had particularly suffered during the recent mortgage crisis, has joined MetLife to form a new global leader in life insurance and pension .
strength of its financial strength, MetLife is present in over 60 countries with 90 million customers.

Alico name change, but not its insurance contracts

"This name change has no impact on our operations, which are continuing normally." says new group World Insurance MetLife, thus:

• The services and rates remain unchanged.
• contracts are not changed and continue to apply as of right.

MetLife is the new insurance specialist mortgage in France

With 40 years experience in France's former entity Alico, insurer MetLife continues to be a player in the field of life insurance and pension:

• Insurance "Key Man" and "Protecting Shareholders"
• Assurance Credit Immobilier his contract with Super Novaterm Credit

MetLife To purchase your contract, consult an insurance broker

CAPV , society insurance brokerage provider of supply MetLife in France, you benefit from our expertise to help you choose the mortgage insurance that best suits your needs.

For a free mortgage insurance quote: http://www.capvie.com/devis-assurance-emprunteur.php

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Calculate your loan insurance and save!

you planning to apply for credit? Well aware that through the calculation of insurance loan, a prerequisite to obtaining your credit, you can realize significant savings on the total cost of your loan . In fact, you do not have to take out loan insurance from your bank and through Capvis you can achieve up to 50% savings on your insurance loan! Whether for calculating the insurance of a mortgage or professional Capvis offers a comparison of insurance borrowers. Depending on your situation, you can choose the best suited to your needs among the different types of contracts studied in larger companies. You can create a quote online free, fast and without obligation from some personal information. So visit the site and make the Capvis calculate your loan insurance now!

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unpaid rent: new negotiations for

Negotiations will be launched with insurance companies to develop risk guarantee rental (LRG) which should enable more homeowners to guard against unpaid rent , announced Secretary of State for Housing Benoist Appeared.

"We hope to lead in a few days an agreement with 12 insurance companies instead of three now," he said at a news conference, Mr. Appeared.

The Secretary of State had said on December 7 that the LRG "not working" due to the subscription of 60,000 contracts LRG in 2010, instead of the 400,000 expected.

Promise campaign Nicolas Sarkozy facilitate access to housing for all, LRG, a insurance in case of unpaid rent subscribed by the owners, was not as successful as expected due to the reluctance of some insurance companies.

insurance LRG, a fragile device?

Up to 28% of "income ratio" (ratio between the total rent from the tenant's income), insurers who agree to exercise this warranty do not receive any assistance to incidents Payment tenants.

But between 28% and 50% "rate of effort" tenants, insurers may benefit, in case of loss of unpaid rent or damage to housing, compensation funded by the European Social Economy Housing (UESL), the umbrella organization Action Housing (ex-1% Housing) and the State.

"The GRL system is doomed to failure and will explode in flight, because the premiums cover only 40% of claims being considered," he always said Jean Perrin, president of the National Union of Property Owners (UNPI).

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LRG Assurance mortgage, banks try to stem the tide of the delegations of insurance.

Since the implementation of the Act called "Lagarde" September 1, 2010, which allows a better competition for insurance borrower, many candidates are now negotiating credit delegation external insurance with their bank.

Select your own loan insurance is possible provided that the guarantees of the contract are equivalent.

Indeed, the loan insurance a security for the lender (the bank), the latter may charge you a certain level of security: death, whether or not guarantees incapacity / disability and job loss (unemployment). This provision is explicit in the Act Lagarde.

If you have insufficient collateral, your bank will therefore make a reasoned refusal of your delegation.

Equivalent warranty does not mean equality.

But it is tempting for a bank to refuse a massive loan insurance competing on the pretext that the guarantees are not the same as those provided in the contract group.
Also, the legislature clearly indicates the concept of equivalence, not equality . Indeed, the assurances, though legally qu'encadrées by the Insurance Code, enjoy a certain freedom of contract. Therefore, two contracts (same designed by the same insurance company!) Will never be strictly identical.

To find the right loan insurance contract, consult an insurance broker.

Less known by borrowers and credit brokers, firms of insurance brokerage are Multi your personal welfare. Some experts are
the borrower insurance as: Capvis insurance brokerage BB, FR Brokerage, Magnolia web, etc. ... These structures
advise you and sell all or part of loan insurance contracts offered by insurance companies: April , Cardif, Cube insurance, Alptis , Afi Europe etc. ...

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The surety bond or an act of solidarity

the Deed of surety or surety: This is a security which engages a third party (relative, friend, relationship etc..) pay the rent and expenses if the tenant defaults. The deed of surety is a commitment that is signed between the surety signer (a parent, friend, a relationship etc..) And the lessor (owner). This act
specifies: the reminder of the conditions of the contract (the original lease or contract renewal), the amount of rent, the amount of charges, date of signing the lease, the effective date of the lease, the lease term, address of the property leased, the duration and the maximum amount of the deed of surety. If the tenant does not pay his rent, the landlord sends the tenant and the guarantor signatory, a command to pay within 15 days. He can ask for penalties.

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I could have written my memoirs. But no.

is quite inborn in me is a real need, even more useful as you write. What, how? Yeah. I am the anomaly of the fucking century, I love words, their meaning and their curves. Call it what you want, I will dwell more. In fact, I'm 16, and no I am not disturbed. I love fashion and books. You said ... incompatibility?

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Diagnosis performace energy (DPE) will be compulsory from 1 January 2011 in ads

From 1 January 2011, the energy performance (ECD) comply in all sales listings be specified as the real estate sites, in newspapers but also in the real estate agencies that have the obligation to display ads in the windows with a diagram that indicates by color the energetic quality of each well as for household appliances.

ECD energy performance

If the display is not met, the agency or individual could be fined.

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Biplane gesture @ November 18 2010 @

Geste

live band

Live @ BiPlan, Lille

2010 / 11 / 18

Mp3 320kbps :
- Miroriii





Setlist :

01 Intro
02 Ohm Sick
03 The Price Of Grey
04 Flavor
05 Run Before The Flood
06 Deyad
07 Jaw Breaker
08 Falling In The Sea At The Speed Of An Atom (Purple Confusion Cover)

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I live in concubinage and I want to rent to rent empty apartments in Paris with my boyfriend . How should we proceed?

You live in cohabitation (unmarried couple) and you want to rent an apartment to rent empty.
2 solutions available to you.
- You sign the lease on the 2 names. You are roommates in this case. You enjoy the same rights to housing.
- You or your partner sign the lease. In this case the only tenant is the one who signed the lease, the other is considered hosted.
In case of death or abandonment of domicile, if the cohabitation has been less than a year, the lease may be terminated by the lessor. If the lease has more than a year the tenant still benefits from the continuation of the lease.

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Gesture Médiathèque Marguerite Duras 2010/10/30

Geste
live band

Live @ Médiathèque Marguerite Duras

2010 / 10 / 30

Mp3 320kbps :
- Miroriii

(photo © cha gonzalez)




Setlist :

01 Deyard
02 Ohm Sick
03 Run Before The Flood
04 Ladderz
05 Flavor
06 Jaw Breaker
07 The Price Of Grey
08 Falling In The Sea At The Speed Of An Atom (Purple Confusion Cover)

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Act Lagarde and freedom of choice of your loan insurance: insurance compare what?

If Reform Act Consumer Credit entry into force on 1 September 2010 can choose their insurance borrower, should we still know where to go!

• The credit insurance group of the bank: a good basis for reflection

The lending bank will offer you no doubt borrower to obtain insurance at his desk. If the proposal is worth studying, it should also be compared.
Safety Contract banking group, announced by your financial adviser as a crucial element of choice is a quasi quibble. Indeed, the bank acts only as an intermediary in the contract of loan insurance.
Step back and also on arguments presented by some other comparative banking networks. They are designed clothing for marketing services and aim to complete to convince you that the best insurance solution borrower ... it is theirs!
But please, take possession of these documents and forge you an opinion, after a study of contradictory arguments will be presented by other insurers.

• Insurance by delegation: some incumbents

April , Cardif are trademarks of insurance that you are not totally foreign ?
is normal, one is the pioneer of the insurance borrower delegation, while the second is the individual insurer's BNP Paribas.
If they unquestionably know how in the security of the borrowers, they are not necessarily the lowest bidders, both in terms of guarantees, as prices ... Competition forces.

• few challengers Assurance ready ... to look closely

Alptis , Afi Europe, Aprep, UGIP , Cube insurance however are virtually unknown the general public. These operators reserve some good nonetheless surprises for borrowers who can find (very aggressive rates for rental investors in Alptis, premium rate "soft" for seniors in UGIP, guarantees solid performance and rates on loans in Long Cube ...)

• The insurance brokerage borrower: a simple and rapid

By contacting a brokerage firm specializing insurance borrower, as CAPV insurance, you can have access to a panel of selected contracts which you can more easily achieve your insurance comparison.
However, pay attention to some indicators present on the internet, they are not insurance brokers, but mere "contact card vendors" who will not hesitate to give your details to a multitude of operators at the expense of your peace ... and efficiency needed for your project.

• To obtain your insurance quote comparison borrower, go to page:

http://www.capvie.com/devis-assurance-emprunteur.php

...

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Measurement Act or Footage Boutin Boutin

The Act applies from Boutin Law No. 2009-323 of 25 Article 78 March 2009. It
for new leases empty residence.
http://www.legifrance.gouv.fr: "The lease specifies the surface area of the rented property."

WHAT ARE THE REAL QUESTION?
It is mandatory to clarify the living area (Law Act Boutin Boutin or measurement) of the property leased to the signing of the lease. This requirement applies only to rent an unfurnished apartment and principal residences (apartments or houses). The apartments, seasonal and secondary are not affected by this obligation measuring law or Footage Boutin Boutin law.

WHAT ARE TAKEN INTO ACCOUNT THE SURFACE? The area
Boutin Act does not take into consideration the space occupied by walls, partitions, doorways and windows, chimneys, ducts, stairs and stairwells, and the height less than 1 , 80 meter.

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Legal protection insurance: the state and insurers work together to enhance access to law

Legal aid should enable everyone to exercise his rights in court. To develop the paid legal and solutions relief budget of legal aid, the state is now working with insurance companies. Three lines of inquiry were launched:

1. Improving the process of "subsidiarity" of legal aid
Insurers propose to simplify the procedure subsidiarity, previously very complex to implement, and to define more precisely those potentially affected.

2. Launch a communication campaign on the legal protection insurance
Through a communication campaign, insurers want to show the interest to take out legal expenses insurance to facilitate the settlement of disputes of everyday life that each may face.

3. Expanding the fields of legal protection
Insurance companies want to commit to expanding the scope of legal protection. Thus, the insured may freely take out insurance for legal protection auto, consumer, family, real estate, work, ... depending on personal circumstances.

To facilitate the action of the insured, Capvis offers a comparative insurance simple and intuitive.

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Claims PASS-GRL, the APAGL at fault?

The APAGL, association designed to facilitate access to housing through the promotion guarantees leasehold, was also the body designated to manage rent arrears claims Contract PASS-GRL .



PASS-GRL: difficulties to cope with the consequences of the economic crisis.

"I had to send my file 3 times in just four months before getting a response from the APAGL on conditions of care!" gives us a patient owner lessor.

Clearly, APAGL lacking in the management of claims unpaid rent or property damage. It must be said that Team management of the association was quickly overwhelmed by the volume of records claim, result in massive layoffs associated with the credit crisis.

LRG 2: the insurer is placed in the heart of the device.

While Convention PASS-GRL originally limited intervention by the insurer to the marketing contracts, the new agreement expands the scope of intervention.

Since 26/12/2009, the date of the new LRG , the insurer is also entrusted with the management claims. Traffic jams are therefore limited, thanks to a better load distribution between operators.

Moreover, competition between insurance companies signed the agreement will require them to offer better service quality.

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A new guarantee of unpaid rents for commercial leases

If you are the owner of trade walls, you can now insure your rent thanks to the Warranty Unpaid Rent Trade .

Amid economic crisis, corporate defaults rise.

The credit market crisis has rapidly achieved the economic fabric.
Thus the failure of commercial enterprises (businesses) has increased by 20% in 3 years.
In this context the owners of the trade walls, and especially isolated donors are exposed to the risk of unpaid rent.

Kit Lessor Commerce, the security of commercial rents.

To guard against the risk of unpaid rents, insurance CAPV offers donors an isolated Warranty Unpaid Rent Trade solid:

• guaranteed rents up to 5000 euros per month to 18 months
• care
• Fee debt recovery and litigation included

Society insurance brokerage offers an online form to complete your quote Kit Lessor Commerce.

More information: http://www.capvie.com/garantie-loyers-commerce.php

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Deposit Insurance solidarity VS Unpaid Rent: choose what guarantee

Since the publication of the law in March 2009 Boutin, landlords are reluctant often between the drafting of a deed of surety and purchase an insurance unpaid rent.
Overview of two solutions for you to choose the best security for your rental investment.

The deed of surety: the cheapest and easiest?

Often landlords think it is simpler, more empowering and less expensive to use a surety. However, this legal act is not without dangers:

• To be valid, the act of surety must be handwritten and adhere to a precise formulation . Otherwise, the legal act may be void and you will have no recourse against the guarantor for the payment of unpaid rent your . Tip: To avoid invalidation of the deed of surety, you can use a template validated legally available on specialized sites.
• To be exploitable, the deed of surety must be provided by a guarantor residing tax in France. If this seems obvious At first glance, the employee part of a transnationals presented as a guarantor ideal may be far less interesting if in the meantime, he is an expatriate in Dubai or China ...
• To be solvent, the guarantor must have sufficient resources actually . While it is commonly accepted that a tenant must not make an effort to rent more than one third of its revenues, the guarantor when with him, has the burden of rent (or credit) payable. Therefore a margin of additional financial security.
• Finally, the MAP and contentious implementation should be performed routinely in duplicate (one destined for the tenant, the other copy to the guarantor)

However, the act of surety has the advantage of being very economical and provides sufficient security when it is made under good conditions.

Insurance unpaid rent: the most expensive and safer?

• If insurers are known difficult to pay, they at least have the merit of having a known address. Also, some difficulties may have provided for compensation are often proportional to the complexity of the insurance claim (disputed circumstances, neglect evident in the constitution of the tenant file, not the timeliness of reporting the claim for unpaid rent etc ...)
• Insurance Unpaid Rent is a contract which obliges the parties who signed it. If possible interpretation of texts, the judge will have no qualms about deciding in favor of the insured, be considered unprofessional.
• Seek a warranty unpaid rent or grl , requires rigor in constructing the record tenant (ask the latest pay slips to the tenant based on the effective date of the lease and not not depending on the date of incorporation of "pre-file", often several weeks earlier; accept photocopies of documents provided that the tenant delivers the original simultaneously ...) you avoid administrative difficulties with your insurer on the day of the accident. The insurance
• cost, which varies according to the guarantees offered (warranty period of rent ceilings capital when damage to property, limits of support for litigation costs, etc. ...). Generally the rate of insurance unpaid rent is a price ranging from 2.50% to 4% of the rent charges included.

The price of an insurance unpaid rent can be put into perspective given its tax deductibility in the income category of land (Art.31 of the CGI).

Reminder: accumulation insurance and surety Imay rents are prohibited

Except in special cases (student apartments and rentals) , the accumulation of unpaid rent and a guarantee of a deed of surety are prohibited by law since Boutin March 2009.

Need a quote insurance unpaid rent?

Get your personalized quote insurance rent or grl with a few clicks:
http://www.capvie.com/devis-assurance-loyers-impayes.php

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Tenants' Risk Guarantee means an insurer more for GRL 2 GRL

After DAS Insurance ; (100% subsidiary of MMA) and CIMB (insurance agents Fnaim) , Mutual Alsace Lorraine is also involved in the new device insurance LRG, also known as LRG 2.

LRG 2: A forced march to launch?

Born December 26, 2009, after signing the new agreement between APAGL, the FFSA (French Federation of Insurance Companies) and GEMA (Association of Mutual Insurance) , the LRG 2 struggled to find relays among insurers.

Indeed, the abrupt termination of the old device PASS-GRL the benefit of the new Tenants' Risk Guarantee Universal had put the insurance companies with a fait accompli.

Therefore landlords have had to wait 13 February 2010 appear to show the first contract insurance LRG 2, proposed by the distribution of DAS .

Universal Risk Guarantee Flats, to more choices.

With the coming of the Mutual Alsace Lorraine in the device LRG 2, landlords will have more choice among branded products LRG.
The new contract will be available from insurance brokers network Solly Azar or online on the website http://www.capvie.com/ , starting October 1 2010.

To easily obtain your insurance quote or LRG insurance unpaid rent and purchase your policy in minutes, visit:

http://www.capvie.com/devis-assurance- Rent-impayes.php

...

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: UNPI the campaign for a share of the cost of insurance with the borrower and tenant insurance

LRG Assurance in brief:

The insurance is a LRG device insurance unpaid rent, signed by the lessor, to guard against default payment of a tenant. Cost, typically 2.50% of the rent included, is funded exclusively by the owner.

Towards a shared-cost insurance LRG?

" I think in particular the financing of the GRL should involve tenants, along with donors and the state." activist Jean Perrin, president of The National Union of Property Owners (UNPI) in its "White Paper . Thus
UNPI think improve the system of financing the system LRG, while empowering tenants and reducing the financial burden that rests on the owners.

To learn more and get your insurance quote LRG online: click here

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free competition: The Act is under LAGARDE!

On 1 September 2010 sees the aplications by decree Reform Act of consumer credit, designed to increase competition in the field of insurance borrower.

The text aims to help borrowers qualify for better information and greater freedom of choice, including through the prohibition on banks to impose their insurance, and requires:

• Accept delegation insurance when the contract provides equivalent guarantees;
• Motivating reasons for the refusal of insurance "external";
• Do not modify the loan terms in return for an individual insurance (rising interest rates ...);

Compare rates and guarantees your loan insurance by using our comparative insurance:

• Online quote comparison insurance borrower
• Quote Online CARDIF guaranteed borrower
• Quote Online APRIL loan insurance

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Leave Act for the sale of a lease by a landlord empty

If the owner wishes to sell his home at the expiration of the lease of an unfurnished rentals, notify the tenant by registered letter with acknowledgment of receipt or by a bailiff six months before the end of the lease.
The lessor must absolutely on pain of invalidity specified in a registered letter with acknowledgment of receipt:
- the first five paragraphs of Article 15 II of the Act of July 6, 1989.
- the price and conditions of sale.

leave is offering for sale to benefit the tenant during the first 2 months after receiving mail from the owner.
If the tenant does not wish to purchase the property after that period of two months, the landlord may put his property for sale.