Full speech: Joe Biden at the Democratic National Convention
Were getting near the end of Joe Bidens four decades in public life. Hes still vice president, of course, and hes going to be out on the campaign trail for the next few months campaigning for Hillary Clinton, but this is the big wind down for Biden. He opted not to mount his own 2016 campaign, which means the Democratic National Convention was likely Bidens last big moment, the last time hed have the national stage all to himselfwiththe entire party tuning in to hear him speak.
There was no escaping the valedictory trappings of Bidens remarks Wednesday night. His speech was preceded by an introduction video that went over all his greatest hits as a senator and VP, with clips of Biden speaking out against apartheid, urging an end to ethnic cleansing in Bosnia, advocating for cancer research, and speaking about the loss of loved ones. It was the condensed version of what this convention would have likely been about had Biden run and won the nomination.
The first half of Bidens speech was extremely Biden-y an empathetic and solemn feel-gooder about overcoming the trials and difficulties of life. It was an homage to the hardscrabblers: teachers, soldiers, the poor. These are the people that are the heart and soul of this country, he said, very Bidenly. This projection of empathy is one of Bidens strongest political talents. Youd be hard-pressed to find a more earnest political communicator watch this 2012 video of Biden speaking to the Tragedy Assistance Program for Survivors about the deaths of his wife and daughter to get an idea of what I mean. His greatest strength has always been the idea that Joe Biden gets it.
In his speech on Wednesday night, Biden transferred the gets it mantle to Hillary Clinton. Everybody knows she is smart. Everyone knows she is tough. But I know what she is passionate about. I know Hillary. Hillary understands. Hillary gets it. He did this in part to build up the Democratic nominee, and also to set up the second half of his speech, in which Biden stripped the flesh off of Donald Trump,
His cynicism is unbounded, Biden said of Trump. His lack of empathy and compassion can be summed up in that phrase he is most proud of making famous: Youre fired. Setting himself as the paragon of middle-class values (Im called Middle-Class Joe), Biden blasted Trumps populist affect: This guy does not have a clue about the middle class. Not a clue. His message was simple: Trump is the anti-Biden.
The attacks only grew sharper from that point. No major party nominee in the history of our nation has ever known less, or been less prepared to deal with our national security, Biden said. Trumps exploitation of fear is not who we are and betrays our values. Biden blasted Trump as a man who seeks to sow division in America for his own gain and disorder around the world, a man who confuses bluster with strength. His blistering takedown of Trumps unpreparedness and moral vacuity were paired with a rah-rah call to patriotism: The 21st century is going to be the American century. Because we lead not only by example of our power, but by the power of our example. That is the history of the journey of Americans. And G*d willing, Hillary Clinton will write the next chapter in that journey.
This is the Biden we can expect to see on the campaign trail as he takes this same message of empathy, middle-class appreciation, and flag-waving patriotism to a subset of voters that Democrats would very much like to win back to their cause: working class whites. Biden said as much on MSNBC on Wednesday morning. I think the Democratic Party overall hasnt spoken enough to those voters, he explained. Thats why Im going to be living in Pennsylvania, Ohio, Michigan until Election Day. Three more months of telling working-class voters that Middle-Class Joe gets it.
Judge: John Hinckley Jr. Can Leave Mental Hospital
July 28, 2016, 8:17 AM|After his 1981 assassination attempt on President Ronald Reagan, John Hinckley Jr. was found not guilty by reason of insanity and confined to a psychiatric hospital. But Hinckley has slowly been allowed to spend time away from the Washington facility. Paula Reid reports from St. Elizabeths Hospital on why a judge is letting Hinckley go home forever.
SPRINGFIELD, N.J. Henrik Stenson took his silver claret jug and headed straight for Switzerland to play in a charity event organized by Sergio Garcia. It turned out to be the perfect occasion to deliver an important message to the host.
Stenson was 40 when he won the British Open at Royal Troon. He had paid his dues with a trio of close calls in the majors. It was his time.
Garcia has paid even more.
It started when he was a 19-year-old trying to chase down Tiger Woods at Medinah. He played in the final group with Woods at Bethpage Black and Royal Liverpool. He twice was beaten in the final holes by Padraig Harrington at Carnoustie and Oakland Hills.
Henrik, when I saw him Monday at my event in Switzerland, he said: You know, Im 40, youre 36. You still have probably 16 more before you get there, Garcia said Wednesday on the eve of the PGA Championship. So at the end of the day, if you stay healthy, you still can give yourself a lot of chances here and there. Thats my goal, to keep giving myself chances and hopefully take as many as possible in the coming years.
Stensons victory has shifted the focus to Garcia, perhaps more than any other player in the final major of the year, particularly in a season of first-time major champions Danny Willet at the Masters, Dustin Johnson at the U.S. Open and Stenson.
It just shows that youve got to keep on trying, Stenson said. It was nice to see Dustin win at the U.S. Open. Hes had some close calls and some heartbreaking calls in the last four years, five years. Youve got to keep putting yourself in position. And the more times you do that, thats what gives you chances for it to happen.
Lee Westwood is another player on the dubious list of best to have never won a major. The 43-year-old Englishman had a chance at the U.S. Open, British Open and Masters in successive years and he is among two players Luke Donald is the other to reach No. 1 in the world without ever having won a major. Rickie Fowler at No. 7 in the world and Garcia (No. 10) are the only players in the top 10 who have not won a major.
Garcia is different, because he has been at a high level for so long.
Just not high enough.
The Spaniard is no longer as temperamental, at times petulant, as he was earlier in his career when he accomplished so much at early age that he expected so much more. He complained about the breaks Woods got from the weather in the 2002 U.S. Open. His worst moment was in the 2007 British Open at Carnoustie, when he suggested he was playing more than the field because he couldnt catch a break.
He has thrown clubs. He has kicked shoes.
Now, it almost seems as though Garcia is resigned that his career could end without a major, even though he has such a long road ahead of him. Yes, he is surprised to have not won a major as he approaches two decades playing them.
He said it would have bothered him five or 10 years ago, but no longer.
I understand how difficult it is to win every week, he said. It doesnt matter if its a major. It doesnt matter where it is. It doesnt matter if its in the U.S., in Asia, in Europe, in Africa. It is tough to win. So thats great for the game of golf, and the only thing I can do is just keep giving myself chances and just wait for it.
Hopefully, it will happen, he said. If it doesnt happen, its not going to change my life. Im not going to go in a cave and stay there until I die.
Golf goes in cycle, and maybe this one favors Garcia.
In only three years dating to 1960 have the four Grand Slam events been won by players who previously didnt have a major, most recently in 2011 and 2003. The last four major champions dating to Jason Day last year at the PGA Championship had never won a major.
I would love to make it five in a row, Garcia said.
Also, all but one of the last 12 winners of the PGA Championship had won earlier in the year. Garcia won the AT&T Byron Nelson.
The tiniest smile appeared on Garcias face when he was introduced Wednesday as playing in his 18th PGA Championship. Was it really that long ago when he closed his eyes and hit that shot out of the tree in 1999 at Medinah to finish one shot behind Woods?
Three first-time major winners this year give him hope, especially Stenson, a close friend.
Hes been giving himself a lot of chances, and he finally waited for that day where everything clicked and everything was happening, Garcia said. So I think what that shows me is that never give up. Keep giving myself chances and keep waiting for that day when things really happen my way.
And then hopefully, he added, Ill be able to raise that trophy.
Social media giant Facebook (ticker: FB) crushed earnings, revenue and active user expectations on Wednesday, catapulting the stock as much as 7 percent higher as Facebook continued its already impressive winning streak and reached another all-time high.
Shares topped the $130 level for the first time in after-hours trading.
Going into the second-quarter earnings report, FB stock was up 30 percent in the last year and more than 17 percent in 2016, so shareholders will continue to enjoy big returns from the social media darling after another blowout quarter.
In sharp contrast to Twitter, which grew monthly active users (MAUs) by just 3 percent to 313 million, Facebook grew MAUs by 15 percent to 1.71 billion last quarter. That"s roughly 23 percent of the world"s population.
Facebook adjusted earnings per share came in at 97 cents, up 94 percent from the same quarter last year. Revenue was up 59 percent to $6.44 billion. Mobile advertising revenue made up approximately 84 percent of overall revenue last quarter, up from 76 percent in the year-ago period.
Analysts were expecting Facebook to report EPS of 82 cents on revenue of $6.02 billion.
"This is a $350 billion company that continues to be able to grow at rates similar to much smaller more nimble technology companies," says Michael Palumbo, author of "Calculated Risk" and the founder of Third Millennium Trading. "At some point Facebook will reach a ceiling to growth that all large companies hit, but that ceiling is nowhere in sight."
Facebook has become one of the hottest names in the market in recent years as it gains ground on Alphabet (GOOG, GOOGL) as the go-to platform for mobile and digital advertising.
Facebook is the latest technology heavyweight to report earnings this week, following Apple (AAPL) and Twitter (TWTR), which both reported Tuesday. While Apple"s earnings beat expectations and sent the stock soaring above $100 per share, Facebook rival Twitter deeply disappointed.
"Unlike Twitter, which as we saw yesterday is struggling across the board, Facebook is doing a nice job of maintaining its momentum, launching new products that connect with both users and advertisers, and they"re monetizing them nicely," says James Gellert, CEO of Rapid Ratings, a financial health ratings firm.
Video is central to strategy. Video has been a major point of emphasis for Facebook over the last year, as it attempts to woo traditional TV advertisers to allocate larger chunks of their budget to web video. Alphabet, which owns YouTube, is Facebook"s most formidable rival here, although Twitter is also gunning for those dollars and has struck streaming deals with the four major U.S. sports leagues.
CEO Mark Zuckerberg made a point to highlight his company"s focus on video in the news release. "We"re particularly pleased with our progress in video as we move towards a world where video is at the heart of all our services," he said. Facebook Live has been an important part of that effort as the company strives to bring compelling, original, and timely content to its platform in order to keep users coming back.
Facebook Messenger, which finally hit 1 billion users, should also become more important to the company"s strategy going forward, as Zuckerberg has said seriously monetizing Facebook"s properties doesn"t become a serious priority until the billion-user mark.
That said, Instagram isn"t close to the billion-user mark it hit 500 million users in June but the company is starting to take steps to make that a cash cow as well.
The biggest mobile and video-based competitor that Facebook doesn"t own is Snapchat, which Facebook attempted to buy in 2013 for $3 billion. Evan Spiegel, the co-founder of Snapchat, turned that deal down, and has since been richly rewarded. Snapchat"s most recent funding round pegged its valuation around $18 billion.
From the look of it, it seems FB stock will continue charging higher after its blowout Q2 earnings, and the company seems nearly unstoppable right now.
The best investors, ever.
(Getty Images)
Stocks mentioned in this story: NFLX, AAPL, IEP, BRK.A, BRK.B
In every field of human endeavor, an elite few shine brighter than the rest. Some disciplines don"t lend themselves well to objective comparisons. Who are the best baristas, traffic cops and psychiatrists of all time? It"s rather tough to say. But in areas like sports, box office results, book sales and yes, investing returns, the results are plain as day. It"s truly fascinating to see how the best investors of all time built their fortunes, so here are the nine best investors ever, in all their glory.
David Swensen
David Swensen
(AP Photo/Susan Walsh)
As chief investment officer at Yale University, David Swensen is a financial all-star with a unparalleled track record. Swensen took control of Yale"s endowment in the mid-1980s, and over the next 30 years generated annualized returns of 13.9 percent, beating its benchmark by 4 percent per year, and easily surpassing the returns of domestic equities, which earned 10.7 percent annually. His brilliance was in pioneering modern portfolio theory, which focuses on diversified exposure to different high-return asset classes. Swensen details his approach in his book, "Pioneering Portfolio Management."
Peter Lynch
Peter Lynch
(Wendy Maeda/The Boston Globe via Getty Images)
Peter Lynch didn"t just post eye-popping returns at Fidelity"s Magellan Fund, he also penned two classic investing books, "One Up on Wall Street" and "Beating the Street." What gave him authority was his 13-year tenure at Magellan, where Lynch"s growth-focused fund earned 29.2 percent annually, crushing the 15.8 percent average return of the Standard & Poor"s 500 index. Lynch took Magellan from $18 million to $14 billion. If you would"ve invested $10,000 in Magellan in 1977, it would"ve turned into $280,000 by the time Lynch retired.
Carl Icahn
Carl Icahn
(Neilson Barnard/Getty Images for New York Times)
Carl Icahn has been a Wall Street icon since the 1980s, when he and T. Boone Pickens ushered in the age of corporate raiders and activist investors. Unlike Pickens, Icahn is still a mover and shaker 30 years later. In recent years, Icahn has made billions on big-time bets on Netflix (ticker: NFLX) and Apple (AAPL). That"s helped his holding company, Icahn Enterprises (IEP) return 14.6 percent annually over the last 15 years, while the S&P 500 has returned just 5.6 percent annually over the same period.
John Templeton
John Templeton
(AP Photo/Marty Lederhandler)
John Templeton pioneered the use of diversified mutual funds and had consistently impressive returns over 60 years. In the depressed market of 1939, Templeton borrowed $10,000 and bought 100 shares of every stock under $1 on the New York Stock Exchange. All but four stocks would be profitable, and four years later he sold them for over $40,000. An investment of $10,000 in the Templeton Growth Fund in 1954 would"ve turned into $2 million by 1992. Templeton died in 2008.
Bill Miller
Bill Miller
(AP Photo/Nati Harnik)
Bill Miller has done something that many of the greatest investors ever have never accomplished: Over a 15-year period (1991-2005), Miller"s Legg Mason Value Trust beat the S&P 500 index every year. Morningstar.com named him the "Fund Manager of the Decade" in 1999. Between 1990 to 2006, Miller turned his fund from $750 million to more than $20 billion in assets under management. An unconventional value investor, Miller believes high-growth stocks can be value stocks if they trade for the right price.
Warren Buffett
Warren Buffett
(Paul Morigi/Getty Images for Fortune/Time Inc)
Warren Buffett is widely considered the single best investor of all time, and that"s simply because his numbers are so otherworldly. Since taking the helm at Berkshire Hathaway (BRK.A, BRK.B) in 1965, Buffett has returned 20.8 percent annually for shareholders, while the S&P 500 index returned less than half that 9.7 percent per annum. The duration, consistency, and magnitude of these exceptional returns are literally unmatched, and helped earned early (and even late-coming) shareholders a fortune.
Kirk Kerkorian
Kirk Kerkorian
(Chelsea Lauren/Getty Images for Joan Dangerfield)
Kirk Kerkorian wasn"t a stock market guru but he was a legendary investor all the same. Born to immigrants, he saved his earnings as a pilot during World War II, bought a $5,000 Cessna, and briefly flew commercially before buying the small Trans International Airlines for $60,000 in 1947. He grew it dramatically and sold it for $104 million in 1968. He parlayed his riches into Las Vegas and Hollywood, building several massive resorts and casinos and acquiring Metro-Goldwyn-Mayer. Upon his death in 2015, Kerkorian was worth $4 billion.
John Bogle
John Bogle
(AP Photo/Mark Lennihan, File)
John "Jack" Bogle is the only investor on this list who made his fortune merely trying to match the returns of the overall market. His groundbreaking idea was the low-cost index fund, a passive mutual fund that seeks to replicate the returns of benchmark indices through buying and holding its components. He founded The Vanguard Group in 1974, and the flagship Vanguard 500 index fund was opened in 1975 as the first index mutual fund. Today, Vanguard operates about 170 funds with more than $2 trillion in assets under management.
Jerry Buss
Jerry Buss
(Lisa Blumenfeld/Getty Images)
Like Kerkorian, Jerry Buss has an enviable rags-to-riches story and he didn"t use the stock market. As a child, Buss worked odd jobs shoe-shining and ditch-digging to get by. After college, he and four other investors put down $6,000 and borrowed $100,000 to buy a 14-unit apartment building in 1959 that would morph into a $350 million real estate business within 18 years. He bought the NBA"s Los Angeles Lakers, the NHL"s Los Angeles Kings, the Forum, and another property for $67.5 million in 1979. Buss died in 2013.
Charges Dropped Against All Officers In Freddie Gray Case
The lack of charges against the officers implicated in Freddie Gray"s death weighed heavily on the minds of Black Lives Matter co-founderAlicia Garza and others participating in a Rock the Vote panel today (July 27) in Philadelphia.
"Police are allowed to be judge, jury and executioner," Garza said during panel, which was focused on the militarization of police. "Marilyn Mosby came out today and said that"s what happened with the aquittal of all officers in the murder of Freddie Gray. We have really bad a*s policy and organizingthat"s being moved, which tells me that there"s something so deeply corrupt about the system that we"re trying to temper with, that we might want to start over again."
JournalistErica Williams(Time, Upworthy)moderated the panel, which also featured journalist Chris Hedges (Truth Dig), Justice League NYC co-founder Carmen Perez,former NAACP presidentBen Jealousandactor Kendrick Sampson ("How to Get Away with Murder"). Panelists also addressed the profit-driven underpinnings of agresssive policing, with Hedges criticizing the "forces of capitalism and neoliberalism"s" role in fostering the demonizedunderground economy.
Perez also shared personal experiences with police: "I think about the way in which they dealt with my family, when we were having weddings and maybe there was a fight or a gun brandished," said Perez. "There would be tanks, [police] would come in and hold our family at gunpoint."
The panel, like a Melissa Harris-Perry-moderated one we covered yesterday,was part of Rock the Vote"s Truth to Power event series and pop-up art exhibit. Presented parallel to the Democratic National Convention (DNC) in Philadelphia this week, the series concludestoday.
Check out our livestream of Garza and Perez"s opening remarks below.
Watch Actresses Lena Dunham and America Ferrera speak at the Democratic National Convention
On a night when Bill Clinton was the true star of the Democratic National Convention giving a 40-minute speech about his wife"s merits celebrities almost seemed unnecessary.
And yet Hollywood turned out in force on Tuesday for the second day of the DNC, which was emceed by actress Elizabeth Banks. After mocking Donald Trump"s entrance at the Republican National Convention walking out amid fog and giving herself a slow clap Banks proceeded to introduce "Scandal" star Tony Goldwyn, "Rise Up" crooner Andra Day, Alicia Keys and a slew of actresses: Meryl Streep, Debra Messing, Erika Alexander, America Ferrera and Lena Dunham.
The latter two young stars walked out together, making light of the fact that many viewers think celebrities shouldn"t comment on politics.
"We know what you"re all thinking: Why should you care what some television celebrity has to say about politics?" said Dunham, the creator of HBO"s "Girls."
"And we feel the same way," responded Ferrera, who is on NBC"s "Superstore." "But he is the Republican nominee, so we have to talk about it."
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Watch Lena Dunham and America Ferrera speak on Day 2 of the DNC.
The dig, of course, was directed at Donald Trump, who for years hosted NBC"s reality show "The Apprentice." And Ferrera has been vocal about the fact that she is bothered by the idea she shouldn"t enter the political fray because she"s an actress. On her Instagram account over the weekend, the 32-year-old implored the public: "Please stop telling me to shut up because I"m an actor. I am an American, and like everyone else, there"s a lot at stake for me in this election. I will use my platform and encourage you to use yours."
At the DNC, the actresses who stumped together for Hillary Clinton at an event in Los Angeles this spring went after Trump aggressively, drawing upon personal anecdotes. Ferrera spoke about how she was the child of Honduran immigrants, educated in a public school where she often relied on free meals "to get through the school day."
Day Two of the Democratic National Convention has a theme: girl power
The 30-year-old Dunham, meanwhile, referred to herself as a "pro-choice feminist sexual assault survivor with a chronic reproductive illness" she suffers from endometriosis saying she feared Trump"s rhetoric would take women "back to a time when we were meant to be beautiful and silent." She also poked fun at her own looks, noting that Trump would probably not find her attractive: "According to Donald Trump, my body is probably, like, a 2."
Speaking of looks, even though Meryl Streep delivered a passionate endorsement for Clinton at the end of the evening, she was still subject to snarking from the online Fashion Police. The 67-year-old walked onto the stage in an American flag dress designed by Catherine Malandrino that OMG! she"s actually worn before.
The dress didn"t win rave reviews, and yet shortly after her speechit was apparently sold out online:
Full convention coverage
Ultimately, however, Streep"s words seemed to stick with the audience more than her fashion choice. She spoke of the "grit" of Deborah Sampson, a woman who served in George Washington"s continental army disguised as a man so that she could fight for her country.
"What does it take to be the first female anything? It takes grit, and it takes grace," said the Oscar winner. "Hillary Clinton has taken some fire over 40 years of her fight for families and children. How does she do it? That"s what I want to know. Where does she get her grit and grace?"
Katy Perry, Lady Gaga, Fergie and Chloe Grace Moretz are still slated to take the stage later this week, so check back for more DNC updates.
Find me on Twitter@AmyKinLA
ALSO
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John Oliver: The Republican convention was a "four-day exercise in emphasizing feelings over fact"
Watch Day Two of the Democratic National Convention in less than 3 minutes
France hostage situation: two assailants killed, priest killed in Normandy church attack
The property has a three-bedroom, one-bath guesthouse, a heated swimming pool and a marble-floored orangerie now used as a gym and pool house. A neighboring town, about a mile away, has a supermarket, a fishmonger and several restaurants. The city of Laval, with a population of around 53,000, has a medieval old town, Gothic and Renaissance churches, a museum of naive art and boat tours on the Mayenne River. The property has helicopter clearance. Paris is about two hours and 40 minutes by car. From Laval, the TGV train ride to Paris takes about an hour and 50 minutes.
MARKET OVERVIEW
The real estate market in France has not yet recovered from the 2008 global economic crisis, agents said. But prices for chateaus in the Loire Valley and neighboring department of Mayenne, which have dropped considerably since their peak, have hit bottom and stabilized, agents said.
Bernard Rochet, the founding director and chief executive of Diva Immobilier, a real estate agency near Paris that has the listing, said chateau asking prices have dropped 20 percent to 30 percent from their peak. He added that was a generalization, because no two properties are alike.
Mr. Rochet said that given more realistic current prices, homes were no longer selling with steep discounts off their asking prices. Buyers have begun to return to the region because of the better prices and because they again view real estate as a sound investment.
Trevor Leggett, the chairman of Leggett Immobilier, a real estate agency based in the Dordogne region of southwest France that has an English-speaking clientele, said interest rates were as low as 1 percent, which is motivating buyers inside and outside France.
Franois-Xavier Le Nail, the director of Cabinet Le Nail, an agency based in Mayenne that focuses on chateaus and historic properties in northwestern France, said prices have stabilized in the last year. His company had more transactions in early 2016 than at the end of 2015.
A property with land, a bit of elegance, and in fairly good condition costs between 800,000 euros and 1.5 million euros, or about $880,000 to $1.65 million, Mr. Le Nail estimated. Prices go up from there, depending on features including lot size, condition and quality of any restoration, he added.
Mr. Le Nail said it was too soon to know how the British vote last month to quit the European Union would affect the real estate market. However, he said, Frances presidential election in the spring of 2017 might keep buyers on the sidelines, as they wait to see the next administrations fiscal recipe.
WHO BUYS IN AND NEAR THE LOIRE VALLEY
Mayenne, north of the Loire Valley, is a department of France named after the river that runs through it. The part of Mayenne closer to the Loire Valley, where this house is situated, has a similar atmosphere, Mr. Le Nail said, but it is an under-the-radar destination, particularly among foreign visitors.
Mr. Le Nail said the Loire Valley and the surrounding area have understated but stable appeal. We are not in a bling-bling area, he said. People who buy in the Loire Valley are really looking for something real: Have your vegetable garden, ride your horse, pick your cherries, eat your salad, he said.
Mr. Leggett said his company has recently sold properties in the Loire Valley to people from Britain, Belgium and the United States.
BUYING BASICS
Foreigners can buy property in France without restrictions, said Steve Jakubowski, a lawyer with Avocats Picovschi, a law firm in Paris. Transactions are handled by notaries, but he recommends getting a lawyer as well. Transactions are done in euros.
Closing costs, paid by the buyer, total about 6 percent to 8 percent of the purchase price. They include the notarys services, state and local taxes and registration fees. Sales are almost always carried out with the help of a real estate agent. But Mr. Jakubowski said that in some cases buyers or sellers use a lawyer instead.
Foreigners can obtain mortgages, Mr. Jakubowski said, but typically need a down payment of about 20 percent.
Mr. Leggett advises prospective buyers of large estates not to underestimate the cost of possible renovations and year-round maintenance.
WEB SITES
Mayenne tourism: mayenne-tourisme.com
Laval tourism: laval-tourisme-uk.com/
LANGUAGES AND CURRENCY
French: euro (1 euro = $1.10)
TAXES AND FEES
Property taxes are approximately 4,500 euros, or around $4,950, per year. The agency fee is included in the asking price.
CONTACT
Batrice de Mersseman, Diva Immobilier, (33 1) 4514-0000; diva-immo.fr
