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The housing market in France: an invisible bubble?

The clean of a bubble is usually to be found once it has erupted. So, like what they said during the outbreak of the 1984-90 real estate, professionals in the sectors concerned are continuing today to defend the absence of a bubble in real estate french. As always, of course, the arguments are excellent: low interest rates, strong demand for new housing, insufficient supply Supporters of the No for the veracity of the bubble have recently found an unexpected ally in the person of INSEE. In its latest note on the economic environment, it actually has not hesitated to publish two models that seem to rule out the existence of a
housing bubble in France, while adding, however, that their findings do not prejudge future developments in property prices. In other words, there may be no bubble, but

Without wishing posnemati these econometric work, which, according to the INSEE itself, are to be taken with tweezers, it seems appropriate to recall, however, a few realities. First of all it must designate a speculative bubble forming a cumulative gap and self-between the financial value of an asset and its value real. Thus, we can say that there is no housing bubble in France, if the 97% increase in property prices since 1998 due to rising real property and, more generally, to total in the French economy. However, the best approximation of the evolution of the latter is that of the Gross Domestic Product.

And it is here that things go bad. For if, in seven years, property prices have risen by almost 100% in France, GDP french value only increased by 25%. It is a ratio of one to four. Random or coincidence, this disturbing report corresponds almost exactly to those that prevailed from 1984 to 1990. During these seven years, real estate prices had actually increased by almost 200%, but GDP had increased in value by nearly 60%
realestate award. To be exact, the report is even more excessive today they were fifteen years ago.

In other words, with all due respect to some, we are now seeing a situation similar to that of the years 1984-90, in this case a gap excessive and self-sustaining between the value of real estate assets and the value of wealth . But would it not therefore is not within the definition of a bubble?

Moreover, even if the nominal interest rate and real are much lower than in 1990, the explosion of household debt, the increase in appropriations over periods of 25-30 years to individuals have little money and the weakness of the employment situation still fragile in the real estate market and, hence, that of the French
economy as a whole. And for good reason: for many households indebted to their maximum capacity, weak employment and purchasing power may force them to sell their homes, increasing the supply of mechanical properties, while the demand is tarît (given current rates). Such developments are bound to weigh obviously not on the decline on the way.

What is it going so we get here? Without wanting to break the mood or demoralize investors and individuals who appear increasingly cope with the soaring property, the return to reality is likely to be scathing. Indeed, insofar as there is no way to imagine an outbreak of 50% of GDP in recent years, the correlation between GDP in value and real estate prices in twenty years shows that they are well on a tray which they will inevitably go down.

For the coming months, real estate prices might still resist, and even appreciated slightly under a last baroud of honour, before suffering the torments of jobless growth, the household debt overhang and escalations interest rates in the long term. But the drama does not stop there, to the extent that no economy can emerge unscathed from a downturn lasting and significant
real estate courses. Good luck to all

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Web Hosting Can Mean Easy Site Creation

Depending on who’s hosting your site, one of the advantages may be a site design that you can get quickly and easily. In the past, you needed to know HTML code so you could build a site. You uploaded files, wrote code into the site, and tested it out until you got what you were looking for. You can still do things that way, but it’s much easier to use a template from your hosting company. For example, many companies have hosting packages where you can choose from several pre-created templates. You pick the one you like, type in the text, and your site is done. Of course, there are limitations with this, as well.

There are some things you just can’t add, and you can only choose from so many colors and styles. If you don’t like what’s offered or the templates won’t work with your style or plan for some reason, you’ll have to choose something you don’t care for as well or pay someone to create a custom site for you. While prices for custom site creation have come down, it can still be costly. That’s part of the reason why a lot of people are just using the templates that come with their hosting packages.

There’s more choices for these than you might expect, so make sure you check into them and choose the host that has the template you want. Your site should be a reflection of you and what you have to offer, so you want to convey the proper message. You can do that by getting the right template with the right color scheme, look, and feel. You can also modify the templates to a certain degree with some hosting companies, but if you make a mistake you could have a real problem with your site that may cost you money to fix.

Is the Cheapest Web Host the Right One?

With so many companies offering web hosting services today, you’ll find that prices and features really vary. The same is true with things like customer service, which can be very good at some companies and almost non-existent at others.

Keep that in mind when you look for a company to host your site and domain name. Remember, though, that you don’t always get what you pay for. Some of the better companies for a lot of small business and personal site hosting are some of the less expensive ones. That’s generally because people who have these kinds of sites don’t need a lot of customer service interaction, so they don’t have to worry about whether they can reach someone at all hours of the day or night. Of course, you don’t want a cheap hosting company that absolutely doesn’t care at all about customer service. That’s a poor choice for anyone, because there won’t be anyone around to help you when you do need it.

You can avoid that pretty easily, though, by checking out what others have to say about a hosting company. Reviews are often mixed, but you can generally separate out realistic reviews from some of the snide comments and angry people who want to destroy a company’s reputation over one mistake. You can also ask a question of the hosting company through it’s email or contact form, and see how long it takes to get a response – and what kind of response you get.

These can be important factors. Often, the cheaper companies are just as good for smaller hosting issues than the more expensive ones. If you have a large, complex business with a large, complex website, things may be very different and you’ll want to look at the more expensive companies. They provide more features, but most of them are not needed by small companies.