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The French Property Network

Feb 13

Celebrating St Valentines Day the French Way

Valentine's Day in France.

The origins of Saint Valentine’s Day are unclear. Ancient Rome celebrated the 14th February as a day of worship to the god Juno, and there are three different Saint Valentines in the Catholic Church. Tradition states that people began to notice that birds began their mating rituals half way through the second month of the year and so the 14th was designated as a day for exchanging love letters and tokens of esteem.

As you would expect from a country whose capital city is so strongly associated with romance, Valentine’s day has throughout history played a part in the love lives of the French. A former Valentine’s Day custom, which was officially banned, was that of ‘la loterie d’amour’, translated as ‘lottery of love’. Single people, both young and old, would go into their houses, (the houses all facing in on each other during this period), and call out until they were paired off with each other. However, if the gentleman was displeased with his ‘prize’ he would simply abandon her, hoping for better luck next time! Those women abandoned by their suitors would build a large bonfire and burn images of their men, cursing and abusing them as the flames burnt. However, due to fears of public disorder the government issued a decree banning the practice.

The origins of the first Valentine cards to be sent also have a French connection: the first known ‘carte d'amitié’, was believed to have been sent in 1415 by the Duke of Orleans who was imprisoned in the Tower of London following the Battle of Agincourt, to his wife.

The village of Saint Valentin, situated in the central department of Indre was traditionally a place of pilgrimage. Nowadays the village holds a number of fêtes to celebrate its association with this patron saint, where people can renew their marriage vows.

Today St Valentine's Day is celebrated in France in much the same way as in the UK where it is an opportunity to exchange cards, flowers, chocolates and other gifts. It has a similar commercial feel also as retailers will stock up on these traditional gifts and cards, and hearts and roses will be the order of the day in shop windows and displays.

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Blog submitted by: Alex at Cle France.

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Feb 10

How To Minimise Your Currency Risk

How to minimise currency risk for your French property purchase

What is currency risk?

Geoff Lambourne, Director at Key Currency has shared with us this analogy:

If you walked into a casino with £10,000, would you risk putting it all on red or black?

If you’re not okay with the possibility of losing it all, then currency risk is something to consider when buying a French property.

The exchange rate for Pounds to Euros moves on average 10% in 12 months.

That means; for a £100,000, the price of your dream home overseas could fluctuate as much as £10,000 either way.

So, if you’re not prepared to pay an additional 10% of the property price, perhaps it’s time to speak to a currency specialist?

How can I protect my property budget?

Well, the first step is connecting with a trusted currency specialist. If possible, opt for one with experience helping individuals manage overseas currency transactions.

We recommend Key Currency to all our clients, they have years of experience in foreign exchange and specialise in overseas property.

The first step in protecting your overseas property budget would be to register with Key Currency, it’s free and there’s no obligation to trade.

Register with Key Currency today.

Then, we can schedule a call with your assigned account manager to discuss the best options for you and your budget.

The "forward contract" is possibly Key Currency’s most popular service for overseas property buyers. It’s a legal contract that allows you to lock in an exchange rate for up to 12 months at a time.

This provides peace of mind, knowing that you’ll pay the same price you agreed to pay for your overseas home by the time you complete the transaction.

For example - if you agree to buy a €100,000 property abroad when £1 = €1.15, it will cost you £86,956.

But it’s possible that by the time you come to complete the transaction, £1 only buys you €1.08, so the price has shot up to £93,592, costing you another £5,633, a 'forward contract' can avoid this happening.

Click below for a free quote from Key Currency.

Get a Quick Quote

Key Currency

Kind regards, 
David Evans 
Co-Founder of Cle France.

Cle France / Key Currency

Key Currency is the currency exchange department of Cle France Ltd, 'Cle' being the French word for 'Key', did you see what we did there?

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Feb 8

Currency Market Update - 18th February 2024

Pound Bounces After Latest Rate Decision

As expected the BoE has kept interest rates at 5.25%.

But the big news was two BoE members voted to hike the rate further.

Past chatter about interest rate cuts might not be around the corner, after all.

It’s likely to help the Pound’s sustained strength so far this year.

Pound to Euro continues to sit near 5-month highs.

However, the Pound has lost a bit of momentum against the Dollar following positive news broke from the USA about Non-Farm Payrolls and unemployment.

Looking forward, all eyes are on the UK’s Inflation Rate data (CPI).

This is set for release next week, on the Wednesday 14th.

Most did not forecast its growth in January.

It will be intriguing to see what’s next and the knock-on effect it could have on the Pound.

So what next, what should you do?

Get ahead of the game and read our Guide to Foreign Currency Exchange.

Download the Guide Here - with no obligation of course.

Please get in touch if you would like to discuss the current trends and rates further.

If you would like more market updates or to discuss current trends, a member of the trading team is just a call away on 01872 487 500.

To find out the latest rates, click below.

Get a Quick Quote

Benefits of using Key Currency:

  1. Great exchange rates
  2. Quick and easy transfers
  3. No transfer fees
  4. Expert help and guidance
  5. Authorised by the FCA

Current rates: 

Thursday 8th February 2024 at 11.30

£1.00 GBP = 1.1715 EURO

£1.00 GBP = 1.2602 USD

£1.00 GBP = 1.9399 AUD

£1.00 GBP = 2.0690 NZD

£1.00 GBP = 1.6987 CAD

£1.00 GBP = 1.1017 CHF

  • Want to Learn More?

  • We have created a selection of Free PDF Guides for you to download covering many aspects of buying property abroad, visit our PDF Guides Page today or download our "Buying A Property in France" Guide PDF document.
  • Want to Live in France Post-Brexit? download our "PDF Guide to Living in France Post-Brexit" document.

    Brexit Guide Download

  • Need to Send Money Abroad?

    • At Clé France / Key Currency, many of our customers have a need for currency exchange.
    • We are pleased to offer our customers favourable exchange rates on international currency transfers.
    • As a Clé France website visitor, you qualify for preferential exchange rates when you transact through Key Currency.

Cle France Currency Guide link

How to Save Money on your foreign currency transfers

  • Key Currency can save you money by offering more competitive rates of exchange than your bank.
  • Clients can typically save you 3-4% of the total transaction value, which can result in significant cost savings.
  • All client funds are held in segregated accounts with top-tier banks keeping your money safe and secure.

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

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Feb 5

Mardi Gras celebrations in France and yummy recipe for Crepes

On Shrove Tuesday across the UK there will be people practising their pancake tossing !

But let us learn a little of how it is celebrated in France.

Origins of Mardi Gras

Mardi Gras is a well-known event in New Orleans and in Brazil, but why is Mardi Gras celebrated in France?

Mardi Gras has a few different roots, some in Christian culture, and some in pagan culture. These days, Mardi Gras is seen as a Catholic tradition, but what people actually do on this day is quite different to what people do on other Catholic holidays. Like Christmas and Easter, Mardi Gras includes a very large meal and a gathering of friends and family, but neither Christmas nor Easter includes masks, costumes and unlimited dancing and fooling around. For this reason, Mardi Gras can be interpreted as a mix of Catholic and pagan traditions: the holiday is Catholic, and the means of celebrating it stem from local traditions.

As we know the period of Lent is the period leading up to Easter. Since the period of Lent requires Catholics to fast, or to give up certain foods if not fasting, as well as make general resolutions for oneself that require self-discipline, Mardi Gras is said to have been created for one last day of unlimited fun and eating before giving up so much during Lent. Originally, a fattened calf was slaughtered as a Mardi Gras feast; in some cultures, pancakes became a traditional Mardi Gras meal because the milk and butter had to be used up before Lent began, or thrown away.

The name Mardi Gras literally translates to Tuesday Fat (or in English: Fat Tuesday). The name comes from fattening the calf and feasting on it; Tuesday is always the day that precedes the beginning of Lent (which starts on Ash Wednesday).

While the origins of Mardi Gras in France are religious and spiritual, Mardi Gras is mainly celebrated today simply because it is fun. While many Catholics still actively observe Lent and the traditions of not indulging excessively, Mardi Gras is celebrated not only by those Catholics who are going into a period of limited indulgence, but also by the general public.

The biggest Mardi Gras celebrations in France are in Nice and in Paris. However, there are celebrations big and small all over North West France in cities, towns and villages.

So whether you observe it as a religious occasion or an excuse for a party the one thing in common is the delightful taste, when cooked correctly, of the humble Pancake or Crêpe.

Cle France Blogs

Recipe & instructions for the perfect French crêpe.

A delicious French crêpe is versatile and not only for one day a year, as we all know there is always a crêpe van at a French market and whatever your choice of topping it is a treat worth signing up for.

But a well cooked crêpe at home can add a sophisticated touch to any dinner or desert course. It may look simple, but aspiring cooks are often disappointed that their results don't turn out like the thin, delicate ones found from the van at the market or indulged in at a fancy restaurant. However, don't despair – we have the recipe and method for you to impress even the harshest of critics.

As with many things it is the technique involved that makes the difference !

So how to make the perfect French Crêpe? This crêpe recipe makes a double batch because the perfect number of eggs per batch is 1.5 and leftovers are always nice!

Instructions

Things You will Need:

  • a non-stick crêpe pan or skillet, preferably thick bottomed.
  • 3 cups milk
  • 2 cups flour
  • 2 tablespoons butter
  • 2 tsp sugar (if you want a sweet, dessert style French crêpe)
  • 3 eggs
  • butter wrapper
  • large spoon or ladle
  • plate
  • thin spatula
  • eager children, hungry neighbours or friends and family

First beat the three eggs in a small bowl. Then, whisk together the flour, milk, and eggs in a large bowl until you have no lumps. Microwave the butter in a small cup or bowl for about 20 seconds. Add a few spoonfuls of the batter to the melted butter and mix well. Then whisk the mixture into the batter. Tilt the batter against the side of the bowl to make sure all lumps are gone.

The most important step to making a French crêpe is greasing the crêpe pan. Too much butter will cause burning and not enough will cause sticking. Warm the pan slightly on the stove. Using a tiny piece of butter, grease the crêpe pan with the butter wrapper. Push down very hard so that the pan slowly absorbs the butter.

Then, heat the crêpe pan to medium heat. You might need to adjust this down slightly as you cook each French crêpe.

Once the crêpe pan is heated, hold it in your left hand (if you are left handed hold it in your right hand) off the heat. Use a large spoon or ladle to scoop out a few tablespoons of batter and pour it into the middle of the pan. Quickly, but steadily, tilt the pan to swirl the batter and coat the pan as thinly as possible and form the French crêpe.

When the edge starts to firm (don't let it get brown yet), loosen it by sliding a thin spatula underneath and around the edges. Then, here comes the fun part, flip the French crêpe over (check the ceiling height first!). Cook the other side for about 30 seconds and then lift the crêpe pan and flip the crêpe over onto the plate.

Hold the crêpe pan in your left hand (if you're right handed) off the heat for about 20-30 seconds before pouring the next one. This lets the pan cool down enough so that the batter cooks less quickly when it first hits the pan and can spread more thinly.

Bask in the glory of being the best Crêpe maker in the house and try to have some left to enjoy your own perfect French crêpe!

Blog submitted by: David at Cle France.

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

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Feb 5

UK Pancake Day celebrations and yummy recipe

On Shrove Tuesday across the UK there will be people practising their pancake tossing !

Pancake Day, or Shrove Tuesday as it is more formally known, is a much loved day in the calendar as it a day to indulge yourself by eating delicious pancakes!

Of course even if you are in France on a viewing trip with one or more of the Cle France agents there is no need to miss out on your pancakes, in fact everyday is like pancake day at a French market where they is nearly always a Crepe stand serving freshly made French crepes, so another reason to buy a house in France! See how the French celebrate here.

So how did Shrove Tuesday start? Well the word ‘Shrove' comes from the old English word ‘shrive' which means to confess ones sins. The tradition of Shrove Tuesday began when Christians had to clear out their pantry before Ash Wednesday which marks the start of Lent. Today many people give up just one thing for Lent, however hundreds of years ago all meats, eggs, milk and other rich foods were given up for 40 days to remember when Jesus went into the desert and fasted  for 40 days and 40 nights. The idea was that instead of throwing out the fats and eggs; they should be used to make pancakes as a final feast before the fasting period began.

As well as Shrove Tuesday being a day for making pancakes we must not forget it is also a day for pancake races. This tradition is thought to have began in Olney, Buckinghamshire in 1445 when a woman was making pancakes and she forgot the time. Then suddenly she heard the church bells ring to signal the start of the service and in her panic she ran out of the house and to the church still holding the frying pan with the pancake inside. Pancake races are held in villages and towns across the country, usually with several different races so that all ages can take part. The race usually requires the competitors to run a course while tossing a pancake in their frying pan; the winner is the person who crosses the line first after tossing the pancake a certain number of times.

Cle France Blogs

Our Pancakes above may be a little fancy but all Pancakes are delicious, when cooked right. If you have not tried before or struggle to make perfect pancakes, why not follow this simple recipe by Delia Smith.

Traditional Lemon & Sugar Pancake Recipe 

Makes: 12-14 pancakes

Preparation time: 30 mins

Frying pan: Good heavy one not more than 7 inches / 18 cm in diameter (inside base)

Ingredients

For the pancake mixture:
110g/4oz plain flour, sifted
pinch of salt
2 large eggs
200ml/7fl oz milk mixed with 75ml/3fl oz water
50g/2oz butter
To serve:
caster sugar
lemon juice
lemon wedges

Method

Sift the flour and salt into a large mixing bowl with a sieve held high above the bowl so the flour gets a airing. Now make a well in the centre of the flour and break the eggs into it. Then begin whisking the eggs - any sort of whisk or even a fork will do - incorporating any bits of flour from around the edge of the bowl as you do so.

Next gradually add small quantities of the milk and water mixture, still whisking (don't worry about any lumps as they will eventually disappear as you whisk). When all the liquid has been added, use a rubber spatula to scrape any elusive bits of flour from around the edge into the centre, then whisk once more until the batter is smooth, with the consistency of thin cream. Now melt the 50g/2oz of butter in a pan. Spoon 2 tbsp of it into the batter and whisk it in, then pour the rest into a bowl and use it to lubricate the pan, using a wodge of kitchen paper to smear it round before you make each pancake. 

Now get the pan really hot, then turn the heat down to medium and, to start with, do a test pancake to see if you're using the correct amount of batter. I find 2 tbsp is about right for an 18cm/7in pan. It's also helpful if you spoon the batter into a ladle so it can be poured into the hot pan in one go. As soon as the batter hits the hot pan, tip it around from side to side to get the base evenly coated with batter. It should take only half a minute or so to cook; you can lift the edge with a palette knife to see if it's tinged gold as it should be. Flip the pancake over with a pan slice or palette knife - the other side will need a few seconds only - then simply slide it out of the pan onto a plate.

Stack the pancakes as you make them between sheets of greaseproof paper on a plate fitted over simmering water, to keep them warm while you make the rest.

To serve, sprinkle each pancake with freshly squeezed lemon juice and caster sugar, fold in half, then in half again to form triangles, or else simply roll them up. Serve sprinkled with a little more sugar and lemon juice and extra sections of lemon.

Recipe Source: Delia Smith - Complete Cookery Course Book

Blog submitted by: Alex at Cle France.

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

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