Clé France

Expats frequently worry about money. But the good news is that there’s never been a better time to generate income on your terms – just make sure it’s you running the business and not the other way round.

Here are some tips on how to monetise your talents…

What is the biggest mistake expats make when choosing a business?

Traditional expat ventures - B&B, restaurant, bookshop, boarding kennels, property management – tend to be fairly labour intensive and have low profit margins.

They also require your physical presence, so, eventually, your lifestyle becomes just like the one you left behind – but warmer! These businesses are also subject to local supply and demand, leaving you open to competition from other expats doing the same thing.

What’s the alternative?

Rather than copying what everyone else is doing, the secret is to start from what makes you unique. Work from your strengths and choose something you enjoy doing anyway.

The real value of any work lies not in man hours but in the creative input. As an expert in your field, you offer more value. You get to do what you love, and you will attract like –minded clients, ready to pay for your services. People buy from people they like!

But how? What can I sell?

You can create your own products or sell other people’s products. Whichever model you choose (and you can do both!), you should ask the following two questions:

Q. How do I add more value to people’s lives?

(Money represents an exchange of value. Add more value = make more money.)

Q. How can I make the product or service reproducible?

This is best illustrated by an example. If you teach a First Aid class for one hour, you get paid for one hour of your time and you add value to the lives of a handful of people. If you record that class and sell the video online, you have a product you can sell, and add value to the lives of hundreds or thousands of people.

The potential is only limited by your imagination: think puppy training, hairstyling, motor cycle maintenance, fishing, guitar lessons? You get my drift.

Today you can get your book published on Amazon in a couple of weeks, on your specific area of expertise: rambling routes, history (of anything!), collecting (anything!), photography, investing etc.

If you prefer to sell other people’s products, there are plenty of vendors looking for new affiliates. You only need a piece of text on a website or Facebook page – no need to worry about storing stock, billing, shipping – the vendors take care of all that, and one of the biggest is Amazon!

The highest profit margins are on information products, such as “Cure Diabetes”, “Lose Weight”, “How to Install Solar Panels”.

How does it work?

Build a simple website or Facebook page around your specialist subject and write short information articles or reviews.

For example, your interest is in animals, set up a pet website, such as Pets in Spain or Natural Remedies for Pets. Write an article about a good pet carrier or grooming brush, insert a line of text from the supplier in your article – and they do the rest. The customer clicks on the link and, if they buy the product, the company handles the payment, ships directly to the client, and deposits 20 per cent commission in your bank account.

The possibilities are endless; I haven’t even covered freelance websites.

What message to take away?

Stop thinking about income in terms of selling your time for money. Learn to think in terms of adding value and serving others; your customers are waiting for you!

Oh, and make sure your dream property has a good internet connection!

Blog submitted by: Alex at The French Property Network - Cle France.

Article by Ruth Sullivan, Originally published in the A Place in the Sun magazine - Issue 126

Dear Cle France,

A massive thank you for all the help you gave me whilst I purchased my house in France.

The staff at Cle France made the whole process so simple and stress free. God knows how anyone attempts it without your professional assistance. All of my queries and concerns were dealt with rapidly and competently, no matter how complex or trivial.

I fully recommend Cle France to anyone considering buying a property.

Many thanks again for all your help.

Kind regards,  

Christopher Smart.

Arrange a property viewing trip with Cle France and set yourself on the road to buy a property in France or,. if you are at the early stages of researching about French Property ask us for guidance. If you have questions about the buying process then just Ask Alex.

Christopher bought a house in Mayenne, Pays de la Loire, let Cle France guide YOU through the French Property Buying Process!

And as several of our clients say "Follow your heart and make the move" 

Hi Sharon.  

Having just completed the purchase of my house in Brittany through Cle France, I can only say excellent things about the whole process and your dealings in the matter to ensure a smooth transaction throughout from my initial visit to the property on 5th April until completion on 13 July 2016. 

I would also like to say a huge thank you to the associated services given to me by Ceri at Allianz Insurance Services and also to your currency trader for the money transfers, I would not hesitate to recommend these companies and people for a worry free purchase of property in France.

Cle France have a one stop shop with all the necessary partners to make your dream house purchase in France an easy reality.  

I only wish I had this service available to me 16 years ago when I made my first house purchase in France.

Once again a HUGE thank you to all involved with my purchase.  

THANK YOU, Colin.

Colin bought a house in Brittany with ease, so why not let Cle France guide YOU through the French Property Buying Process!

And as several of our clients say "Follow your heart and make the move"! 

My favourite French recipe, the one I use every week, if not every day, is deceptively simple. But once you begin using it, you’ll never be able to go back. There aren’t any precise measurements, but that’s what makes it special: add a little bit of this, a pinch of that, to adjust the recipe to your preferences.

I never knew how to make a delicious vinaigrette à la moutarde until my mother-in-law showed me. Now I never buy the store bought stuff, because it just isn’t as tasty.

All you need is: quelques gousses d’ail (several garlic cloves), du vinaigre balsamique (balsamic vinegar), du vinaigre de cidre (apple cider vinegar), de l’huile végétale (vegetable oil; olive oil is often too dense/heavy), des échalotes (shallots), de la moutarde de Dijon (Dijon mustard), du miel (honey), du sel (salt), et du poivre (pepper).

Mettez quelques gousses d’ail (entières ou coupées) et des échalotes coupées dans un shaker ou un bocal hermétique. Mélangez le sel, le miel, et la moutarde dans les deux vinaigres dans le shaker. Ajoutez doucement l’huile et le poivre. Mélangez.

Put several garlic cloves (whole or chopped) in a salad shaker or a closed container. Mix the salt, honey, and mustard in the two vinegars in the container. Slowly add the oil and the pepper. Shake.

As I said, the exact measures can be determined by your own preferences (taste as you go). Typically, you want double the amount of oil to the amount of vinegar (divided equally between balsamic and apple cider). If you want your dressing a little spicier, add more mustard (if you can find the French brand Maille, use this!).

If, however, you like it a bit sweeter, add a little more honey. Make sure you make the dressing in a large enough container where you can store it for the week. As you keep the dressing with the garlic and shallots, the flavour will mature over time.

Bon appétit!

Blog submitted by: Alex at The French Property Network - Cle France.

This blog was originally posted on The French Language Blog pages.

Question:  If a concern of mine is to keep overheads ie. taxes etc as low as possible, what should I be seeking - are there any guides as to how high taxes are etc? Merci Chris.

Answer: There are two basic local property taxes in France which are, sort of, the equivalent to the UK council tax; only much cheaper of course, they are called Taxe foncière and Taxe d’Habitation. So when looking for a property to buy in France you can look at certain properties that will have low taxes compared to others that will have higher taxes.

Cle France can always confirm the taxes in advance of you committing to buy a property as of course these are 2 ‘overheads’ that cannot really be avoided and need to be paid on time to avoid fines and headaches.

Both taxes are subject to size and location so to keep these taxes down to a minimum keep the house habitable space small and the garden small as the larger the house and larger the plot size will only increase each tax. Land is more expensive in a city than in a town or a village and cheapest in the countryside so a rural location will have the lowest taxes. However some “Village Fleurie” will have high taxes if only to pay for all the flowers they display, floral villages look nice but can have high taxes for the residents and some regions are less expensive than others, keep to rural areas and avoid the South of France to keep these taxes in check.

Tax Habitation is based, in part, on the size of the property so the more ‘habitable space’ a house has the higher the Habitaion tax as it is calculated “per / m2” so one thing to consider is if you are planning to extend or renovate a property then as you increase the habitable space then you will of course increase the habitation tax.

The other and more influential aspect of this tax is it is actually linked to your income, if you live full time at the property. If you are not living full time at the property i.e. It is a holiday home then you still pay a Tax Habitation but it is basic and not linked to your earnings.

Only if the property is derelict or a complete renovation project will it be exempt from this tax and the local Mairie will be on the lookout for developments on the property especially if you have submitted and planning application so he can apply the tax to the “m2 SHON” of your finished project.

Tax Fonciere is based on the size of the plot and where the plot is of course i.e. The value of the land per / m2. So the more land you have the higher the tax and if you have a very small garden the the tax will be lower, it includes the land the house is built on so even if you have no outside space you will still be liable to a small Tax Fonciere bill.

Some time ago we published a good article that goes into more detail and explains the 2 main taxes involved with owning a property in France, Taxe Habitation and Tax Fonciere, click here or the image below to read this article in full.

For everything you need to know about French property visit www.clefrance.co.uk