Category Archives: Advice

Traversée du Lac d’Annecy

Traversée du Lac d’Annecy (or Lake Annecy Traverse)

This open water swim is an annual event held on the “quinze août” in Annecy. It’s been going since 1931. The 15th of August is often regarded as the beginning of the end of the summer holidays in France. When it falls on a weekday it is taken as a bank holiday.  This year it fell on a Saturday so we “lost” the holiday!

Full details of the swim, pictures, drone footage and results can be found on the event website. http://www.traverseedulacdannecy.fr/

logotop

About 1500 people took part this year. The numbers were boosted in no small part by 40 who had come down from Bathgate Swimming Club in Scotland. Bravo à tous!

There are three distances you can swim 1000m, 2400m and 5000m. There is also a 500m swim for the under 10’s.  About 1500 people take part over the morning with the 2.4km swim being the most popular. I did the 2.4km last year and fancied having a go at the 5km this year. Thanks to the fact this longer distance is part of the French Cup it is quite competitive.  The first woman to finish was Aurelie Muller (10k open water World Champion) in 1:02:35 and the men’s winner Romain Béraud is current French Champion over 5km, he was only 2 seconds ahead of the current European 25k champion Axel Raymond. To give you an idea how fast that is. Their average pace for 100m is 1’10”. That would be 16 seconds per 25m in your local pool. If you can swim that fast over 25 m (starting from in the water!), just imagine trying to keep it up for 5km!

There is quite a lengthy video here produced by the organisers after last years event.

And a short  article and video here from France 3, it starts off by featuring the water dogs that are used to help with the rescues. France 3 Alpes

The route is marked on this map (you can click on it to make it larger), the ideal route as a broad red line and my efforts are the thinner line. My swimming is not as erratic as this makes it look. It’s hard for a GPS to keep track of its position when it is spending half the time under water!

annecy swim

The full details on Strava are here.

https://www.strava.com/activities/369459116

It’s always easy to keep an eye on the temperature of Lac Annecy by looking at this website.

http://annecy-meteo.com/temperature-du-lac

There are details of a secret swimming spot on Lake Annecy here. http://wildswim.com/lac-dannecy-roc-du-chere

Which have come from this book on open water swimming in France. http://www.wildswimming.co.uk/wild-swimming-france/

I’ve written a couple of other blog posts on swimming in the Haute Savoie, I have put them here for reference.

http://blog.alpine-property.com/2014/09/05/swimming-in-the-haute-savoie/

http://blog.alpine-property.com/2015/07/10/swimming-across-lac-leman/

Swimming across Lac Leman

Swimming across lac Léman

AKA Lake Geneva to the English

During the heatwave last week (first week of July 2015) we decided to take the opportunity of a very warm Lac Léman  to swim from France to Switzerland. We are not superhuman so we left the “classic” traverse from Evian to Lausanne alone (13km) and headed for the narrowest section instead. From Nernier to near Prangins (3.5km according to the map)

Image1

Nernier is a small quiet and picturesque little village. The is minimal parking available so get there early in the holidays. We arrived at 9.30am and found somewhere fine. You can drive down to the water’s edge if you need to drop off a boat but it’s not easy and best avoided. There is a public toilet at the Port if you need one.

2015-07-02 10.04.55

We were a little worried about the various hazards the lake can present. We’d checked the weather forecast and there were no strong winds likely, go before 10.30am and the lake is most likely to be mirror smooth too. After this time the thermic breezes will start up adding some ripples. There is a regular ferry service which doesn’t like to give way to anything but it’s only an issue close to the port of Nernier, if you don’t set off or arrive as it is docking or leaving it should not be an issue.

P1000290

The temperature of the lake changes very quickly. Up to 2 °C from the morning until the evening on a hot day. It’s easy to gauge with this website though.

http://meteolakes.ch/#!/hydro/geneva

The figure you need is the “Température eau 1m”. On our day it was 21 °C which was fine without a wetsuit. The only hazards we encountered where the occasional small wakes from passing boats.

P1000304 big

The headland we landed on is private land, there was noone around though and it’s not overlooked. There is a sign which politely asks that you don’t venture beyond the beach.

2015-07-02 11.21.19

We used a GPS to track our actual route, this is my return swim (the two of us took turns swimming and paddling the canoe), we had been heading towards the wrong landmark so had to change direction half way! According to the GPS it was a 4km swim which took 1hr 15min.

Image3

Campsites in the Portes du Soleil

The campsites around the Portes du Soleil are “fine”.  However they cannot be compared to the really big campsites available around France. No swimming pools in the campsites around here! I’ve made a list as a resource.

Camping in the Haute Savoie

The best campsite in the Portes du Soleil is probably in Chatel.

Camping L’Oustalet 4*
http://www.oustalet.com/

For the Morzine area there are two.  I know some people prefer the camping in Essert Romand, though Le Pré in Montriond offers better access to the river trail for bikes and dog walking.

Essert Romand
Camping Les Marmottes
http://www.campinglesmarmottes.com/

Montriond
Camping Le Pré 2*
http://www.savoie-mont-blanc.com/en/offre/fiche/camping-le-pre/74356

The best views are from this one in Les Gets, though it is quite a hike up the hill. No website that I can find.

Camping d’été La Grange Au Frêne
http://www.lesgets.com/les-gets/hebergement/campings.html

Camping in St Jean d’Aulps is just by the main road . It is walking distance from the shops though and it’s on the river trail and very near the stables for horse riding.

Camping Le Solerey
http://www.valleedaulps.com/camping-le-solerey-1.html

For short stays, there is the municipal camping at La Baume. It’s bound to be the cheapest option too.
Camping Municipal De La Baume, call 04 50 72 10 06, open July and August

camping 2

You don’t have to go far for some bigger and better options though.

Samoens
Camping Le Giffre 3*
http://www.camping-samoens.com/

Or there are a number down by Lac Léman (Lake Geneva). These two are by the beach at Excenevex.

Camping La Pinede 3*
http://www.camping-lac-leman.info/

Camping La Pourvoirie des Ellande 2*
http://www.camping-lac-leman.com/

Rain across the SE of France, the Haute Savoie gets flooded!

After 36hrs of continuous rain the Haute Savoie has woken up to floods, damage and a fair amount of clearing up to do. According to the Dauphine Libere, the rainfall figures are:

– Est de l’AIN : 50 à 80 mm localement 130 mm à Chézery
– SAVOIE : 50 à 90 mm localement 140 mm (Valmorel, Aillon-le-jeune)
– HAUTE-SAVOIE : 60 à 100 mm localement 175 mm à Thônes, 190 mm aux Gets.
– ISÈRE : 50 à 80 mm sur le relief, localement 120 mm à St-Pierre-les-Egaux, 160 mm au Verney.

You’ll see that Les Gets takes the rather soggy biscuit.

I took this picture yesterday, the Passerelle in St Jean d’Aulps, shortly after the Commune turned up with a digger and removed it!

passerelle2

a before and after video of the bridge.

.and then this was taken the next day, if you watch you’ll see a big tree being uprooted.

I’ve been out this morning and taken quite a few pictures around Morzine and St Jean d’Aulps.

passerelle

This is the same spot, the bridge is gone, the river is twice as wide and the school is starting to lose its playground.

river trail 2

Further up the valley, this is the “river trail” across from Carrefour, or it was, it’s totally gone and there is no prospect of replacing it. If things carry on like this we’ll lose the road next.

river trail

More “river trail” pictures, this one is up by the Plagnettes roundabout.  No sign of the trail here. This at least is repairable.

Plagnettes

Plagnettes again, near Morzine, the owners of the house probably had a sleepless night.

verd

Lac de Montriond and the Verdoyant.

montriond lac

The Bout du Lac end of the lac.

Les Mouilles

Near my house!

Some background to the episode here.

http://meteonews.fr/fr/News/N4270/Pluies-abondantes-en-France-ces-derniers-jours

The previous record for rainfall in Chamonix was 59mm (May 2010), this time they got 81mm. Les Gets got 190mm!

Rental income on second homes in France

A basic rule of life is that income is taxed. Somehow somewhere. That’s the basic rule anyway. Some people seem to manage to use the rules to their advantage but that isn’t what this brief article is about.

Apartment for sale in st Gervais

So if you have a second home in France then you rent out then you will have to pay tax on the income. It doesn’t matter if you live in France or elsewhere. The tax should be paid in France in the first instance. If you live in the EU then the double taxation rules apply. This means that if you pay less tax to the French authorities than you will have done in your home country then you should pay the difference in your home country.

  • If you get an income from a second home in France then you will need to submit a tax return in France.
  • If you live in the UK then you will need to declare the income there too (but the double taxation rules apply).

The basic rate of tax on this rental income in France is 20%. Since January 2012 there has been an attempt to collect a further 15.5% in Social Charges on rental income and Capital Gains too. This has recently been deemed illegal by the European union.

http://www.telegraph.co.uk/news/worldnews/europe/france/11468615/French-tax-on-Britons-second-homes-illegal.html

Anyone who paid this extra tax in the meantime is entitled to a refund.

There are a couple of different regimes under which you can register yourself for tax purposes in France. They are quite different and the best way forward is often not clear to the uninitiated. I would suggest that the best option is to speak to an accountant. In the Haute Savoie  we would be happy to introduce you to our English speaking contacts at SAREG they will be available for an initial consultation at their offices in Les Gets or St Pierre en Faucigny.

French Mortgage

So you’d like to obtain a mortgage to help buy your French property? That seems reasonable, especially as rates are so low. You might have heard that the lenders have tightened up their criteria since the 2010 banking crisis. It’s true they have, though things are more reasonable now. I’ve put together a little checklist on the mortgages available as of April 2015.

chaletcrestvole_2

Mortgage types.

  • Repayment (most common)
  • Interest Only (rare and fairly short term, so no more than about 14 yrs)
  • A 50/50 combination of Interest Only and Repayment (new to the market!)
  • Mortgages periods up to 25 years and LTV (Loan to Value) 85%

Interest rates. 2.5 to 3.6%

  • 2.6-3.6% fixed
  • 2.5-3% variable
  • 2.65% interest only​

Other Mortgage requirements

You are tax resident in one of the following countries.

  • UK
  • Belgium
  • Netherlands
  • Belgium
  • Italy
  • Ireland
  • Switzerland
  • Norway
  • Germany
  • France
  • You have an “expatriate / international” contract for an international company.
  • You work on a Superyacht.

Are you mortgageable? Points in your favour.

  • The property is residential (ie non-commercial).
  • The property is habitable.
  • If you are moving to France will you earning situation remain the same?
  • Do you have a regular salaried income, on a permanent contract and are out of any trial period?
  • If you are self employed or are a owner/director, do you have at least 3 years of accounts?
  • Do you have cash that will cover the 15% deposit and the Notaires Fees and Stamp duty (so about 8%), so total cash of 23% of the purchase price.
  • Is the mortgage for more than 50,000€

Points that counts against you.

Don’t despair, these don’t always make the process impossible. Just harder!

  • Renovation properties.
  • Businesses and small hotels (catered chalets).

So f you are after a mortgage and you think you will qualify drop us a line here.

Extra Slippy Snow Forecast for this weekend?

Watch out, if it snows this weekend, the roads may well turn out to be slippier than normal. I’ve experienced this a few times and wondered what was causing the effect. Is it because snow in spring is wetter? Is it the wrong sort of snow? In my opinion it’s neither. It’s probably just because your winter tyres have worn out.

I used to drive 15,000 km over the winter season. I always started off in November with fresh winter tyres and they would see me through the difficult months of December and January just fine. The roads would start to dry up and I’d drive through February and into March without a second thought. The occasional snow storm tends to blow through in March and April, the effects don’t last long down in the valleys but you will still need to be careful when out driving. 15,000km is probably the furthest you’ll manage on a set of snow tires (it could be less than 10,000km). The trouble is they still look fine at this point and are perfectly legal. They will probably have lost all their winter qualities though.

Obviously none of this will mean anything to you unless you actually look at how much tread there is left on your tyres. Something I can’t help doing to any car I see, it’s a leftover from my old job.

Here are some Winter Tyre facts and some opinion too.

  • When living in the Alps winter tyres on a 2WD are generally fine. In fact most of the time they handle better than 4WD cars even on snow.
  • If you have to deal with any hills then you’ll probably need a 4WD. I mean “real hills”, the main roads in the Alps don’t count. But beware. 4WD helps with traction up a hill but it won’t slow you down – in fact 4WD cars can be harder to handle downhill due to their weight. They won’t help you around corners either!
  • Snow tyres have 8mm of depth when new, 4/5mm when used, 1.6mm is the legal requirement. There will be two TWI’s (tread wear indicators), the winter one is not always that obvious.
  • M+S tyres are not a patch on Snowflakes. This might sound like gobbledegook. A winter tyre has a snowflake symbol, an “all year” tyre is often marked as M+S (mud and snow), these are not the same and not a patch on winter tyres. They lack the softer rubber and the sipes (see image below)! You see them frequently on the big 4WD’s from out of town. There is a link to a discussion on this subject here. and one from a manufacturer here.
  • Winter tyres are not good in summer so change them! They are worse than the worst summer tires you can buy. It’s tempting to run them whilst they are legal but it shows a total contempt towards your own safety.

Some people complain about the cost of winter tyres, the hassle of storing them and the fact the whole lot need changing 2x a year. The real running cost of tyres is about 1.5 cents per km winter tyres come out at about 2 cents per km. And remember, whilst you are using the winter tires the summer ones are being saved.

Some general links on the subject here.

http://tires.canadiantire.ca/en/info-centre/winterTiresBuyingGuide/

http://www.caranddriver.com/features/winter-traction-test-what-price-traction-the-bottom-line-page-4

winter-tyre-snowflake

The Snowflake and M+S marking are often seen together. If there is no snowflake, then you don’t have a winter tyre.

The treadwear indicators often look like this.

twi 2

But they can look like this. These are easier to spot, when the tyre is worn out then a smooth line appears across the surface.

twi

Here is a picture showing off tyre sipes. It links to lots more.

sipes

Why do I think I know what I’m talking about? I took my driving skills gained in the Police in the UK and also 2 seasons of driving transfer vehicles in the Alps to train new drivers for the Tour Operators. I did this for 10 years. I used and fully tested a huge range of vehicles in winter in that time, including all sorts of minibuses, 4WD’s, Land Rovers and company cars.

Snow Socks or Snow Chains?

During the last snowfall I stopped to help someone who was stuck on the side of the road. They were struggling with their Snow Socks. I’ve always wondered about these things. Do they do the same job as a Snow Chain? This guy had put his snow socks on his front wheels, unfortunately he was driving a Mercedes, which was rear wheel drive. Now he was stuck and seemed to have a big issue on his hands. To move the Snow Socks from the front wheels to the back wheels he was having to jack the car up. In the snow, by the side of the road. Not a good day out. I’ve done a little research and have put the fruits of my labour down here.

snow sock

  1. Driving on snow in Snow Socks is better than using nothing at all.
  2. Winter tyres are better. So if you have newish winter tyres, don’t put socks over the top.
  3. Snow Chains beat them both for traction in very snowy conditions but some people find them hard to put on. My advice is to do some practice! My 12 yr old can get 2 chains on in 2 minutes. He’s available for hire…
  4. If you cannot move your car, you can still put chains on and get going again. You’ll probably need a shovel to dig around the wheels but at least you can help yourself. However you cannot put Snow Socks on the wheels when you are stuck! Not without jacking up your car.
  5. Snow Socks do count as “winter equipment” on the French roads and have done since 2010.

So, learn to put chains on. Put them on before you need them too. If this is beyond you then get some Snow Socks, they are much better than nothing. YOU WILL HAVE TO PUT THEM ON BEFORE YOU NEED THEM THOUGH and obviously on the drive wheels of the car! I’ve made a video here

There is a nice explanation of how to use Snow Socks here

Snowmageddon in the Haute Savoie, 2015

We had a great period of snow over the last days of January 2015. In total between 1.3 and 1.6m of snow fell during a 5 day period. I documented the scenes in photos each day.  The first image is taken from the Avalanche Forecasting website, you can believe these figures, they aren’t trying to sell ski holidays!
snowmageddon10a

 

The photos follow here.

Alpine Property join FNAIM

Alpine Property is now a member of the France’s Estate Agency Confederation, La Fédération Nationale de l’Immobilier or FNAIM as it is generally known. Its logo, a yellow diamond, is often seen on the doors of the traditional French high street Agence Immobiliere. You can now see the logo on the welcome page of our website.
So, why have we, an international internet based Estate Agency taken this step and why is our membership relevant to our clients?

FNAIM-Logo small

Estate Agency in France is a highly regulated and scrutinised profession. You can’t operate in France as an Estate Agen​t without the relevant licence. Once you have the relevant licence you must abide by a series of regulations or risk losing your licence, being fined or​,​ in rare cases​,​ sent to jail.

Over the last 12 months the French government has passed a new law (the Loi Alur) which extends and strengthens these regulations. This new law has been passed to increase consumer​ protection against the actions of over zealous Estate Agents. As an example, when you sign a contract agreeing to sell your house through a particular Estate Agent you now have a 14 day period in which you can change your mind.
Another example is that all properties must now be advertised inclusive of agency fees. In the past some unscrupulous agencies have advertised properties net of their fees.

And just to complete the picture, a little more context but this time about the Estate Agencies themselves. Since the advent of the internet many new agencies are now starting up on​-line, just like Alpine Property. No bricks and mortar office, just a website. In itself this poses no problem for the consumer if the operation on the ground is professional and trustworthy. However, many of these new agencies have been using their virtual existence​,​ and loopholes in the old legislation​,​ to avoid its full impact and operate unprofessionally, to the detriment of clients, both buyers and sellers. We, at Alpine Property, have become increasingly aware of this issue through our clients and have been looking to support any initiative to curb the activities of such unscrupulous agencies.

These new laws have been brought in to close the loopholes and prevent the rogue agencies from operating. They have been designed in collaboration with the FNAIM. This has been our first reason for joining the FNAIM​ – to support ​its work to make our profession more professional!

The second reason we have joined this organisation is that as members of the FNAIM we receive information and training on changes in the law which ensures that our agents are fully ​up to date on of all aspects of the law covering property transactions.

We hope that our membership of the FNAIM will assure our clients, both buyers and sellers​, of the continuing professionalism of Alpine Property​.