{"id":106,"date":"2017-06-27T19:41:45","date_gmt":"2017-06-27T19:41:45","guid":{"rendered":"https:\/\/www.maresidenceretraite.ca\/blogue\/?p=106"},"modified":"2017-08-16T20:00:53","modified_gmt":"2017-08-16T20:00:53","slug":"le-surendettement-des-retraites-une-realite-qui-merite-quon-en-parle","status":"publish","type":"post","link":"https:\/\/www.maresidenceretraite.ca\/blogue\/le-surendettement-des-retraites-une-realite-qui-merite-quon-en-parle\/","title":{"rendered":"Le surendettement des retrait\u00e9s : une r\u00e9alit\u00e9 qui m\u00e9rite qu\u2019on en parle"},"content":{"rendered":"<p><strong>Vous avez 56 ans et vous avez travaill\u00e9 fort toute votre vie. Aujourd\u2019hui, vous m\u00e9ritez un petit velours. Vous voulez vous payer du beau, mais vous h\u00e9sitez entre r\u00e9nover la cuisine, partir une semaine en croisi\u00e8re, ou acheter un chalet \u00e0 Sutton. Financi\u00e8rement parlant, quelle est la meilleure option, sachant que la retraite vous fait des yeux doux depuis quelques ann\u00e9es?<\/strong><\/p>\n<p>Autrefois, la devise \u00e9tait simple\u00a0: pas de dettes quand tu prends ta retraite. C\u2019est d\u2019ailleurs ce que la plupart des conseillers financiers d\u00e9finissent encore comme la recette id\u00e9ale. Logique direz vous\u00a0: on a les poches moins profondes quand on ne re\u00e7oit plus de paye aux deux semaines. \u00c0 la retraite, une fois les loisirs, les projets sp\u00e9ciaux, et les m\u00e9dicaments pay\u00e9s, l\u2019exc\u00e9dent est souvent maigre pour les paiements d\u2019hypoth\u00e8que ou d\u2019int\u00e9r\u00eats du dernier voyage qu\u2019on a pay\u00e9 \u00e0 cr\u00e9dit.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-111\" src=\"https:\/\/www.maresidenceretraite.ca\/blogue\/wp-content\/uploads\/2017\/06\/le-surendettement-des-retraites-personne-a-la-fenetre.jpg\" alt=\"\" width=\"780\" height=\"438\" srcset=\"https:\/\/www.maresidenceretraite.ca\/blogue\/wp-content\/uploads\/2017\/06\/le-surendettement-des-retraites-personne-a-la-fenetre.jpg 780w, https:\/\/www.maresidenceretraite.ca\/blogue\/wp-content\/uploads\/2017\/06\/le-surendettement-des-retraites-personne-a-la-fenetre-300x168.jpg 300w, https:\/\/www.maresidenceretraite.ca\/blogue\/wp-content\/uploads\/2017\/06\/le-surendettement-des-retraites-personne-a-la-fenetre-768x431.jpg 768w\" sizes=\"auto, (max-width: 780px) 100vw, 780px\" \/><\/p>\n<p>Pour une retraite minimalement stressante et maximalement plaisante, il est donc pr\u00e9f\u00e9rable de r\u00e9gler ses dettes au pr\u00e9alable (pour pouvoir l\u00e9guer quelque chose d\u2019int\u00e9ressant \u00e0 ses h\u00e9ritiers, aussi). Plus facile \u00e0 dire qu\u2019\u00e0 faire? Probablement. En plus d\u2019avoir plus de b\u00e2tons dans les roues pour \u00e9pargner, les retrait\u00e9s d\u2019aujourd\u2019hui n\u2019ont plus la mentalit\u00e9, ou m\u00eame simplement l\u2019option, de liquider leurs dettes avant de partir \u00e0 la retraite.<\/p>\n<p><strong>Plus facile \u00e0 dire qu\u2019\u00e0 faire<\/strong><\/p>\n<p>Les retrait\u00e9s qui occupent aujourd\u2019hui les r\u00e9sidences sont plusieurs \u00e0 avoir adopt\u00e9 un train de vie diff\u00e9rent de celui que leurs parents vivaient anciennement\u00a0: ils font tout plus tard. Ils ont report\u00e9 l\u2019achat d\u2019une propri\u00e9t\u00e9 en raison d\u2019une dette d\u2019\u00e9tudes ou du march\u00e9 d\u00e9favorable. Ils ont eu des enfants plus tard, et donc se retrouvent encore \u00e0 financer leurs \u00e9tudes ou celles de leurs petits-enfants. Ils vivent seuls et payent des pensions alimentaires parce qu\u2019ils ont divorc\u00e9 apr\u00e8s plusieurs ann\u00e9es de mariage. Il y en a m\u00eame qui se sont endett\u00e9s sans le savoir en bricolant quelques r\u00e9novations ici et l\u00e0 dans la maison.<\/p>\n<p>Qu\u2019importe la combinaison de circonstances, les \u00e9pargnes en vue de la retraite ont pris le bord. Une enqu\u00eate de l\u2019Association canadienne de la paie a r\u00e9v\u00e9l\u00e9 que trois Qu\u00e9b\u00e9cois sur quatre consid\u00e8rent avoir accumul\u00e9 moins du quart de ce dont ils auront besoin au moment de prendre leur retraite. R\u00e9sultat\u00a0: les dettes ne seront pas rembours\u00e9es, et les revenus vont baisser. Faites le calcul.<\/p>\n<p><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script><br \/>\n<!-- MRR - pub dans les posts sur le blogue --><br \/>\n<ins class=\"adsbygoogle\" style=\"display: block;\" data-ad-client=\"ca-pub-3346598485307293\" data-ad-slot=\"8935186562\" data-ad-format=\"auto\"><\/ins><br \/>\n<script>\n(adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/p>\n<p><strong>Une bonne dette, \u00e7a existe?<\/strong><\/p>\n<p>Avant de faire chauffer la carte platine, il faut savoir que toute dette n\u2019est pas n\u00e9cessairement \u00ab\u00a0mauvaise\u00a0\u00bb. Un conseiller du syndic de faillite Raymond Chabot Grant Thornton explique que, si on poss\u00e8de un actif une fois les paiements compl\u00e9t\u00e9s (on pense \u00e0 une cotisation \u00e0 un REER ou un emprunt hypoth\u00e9caire), la dette a moins de potentiel de mener au surendettement que celle d\u2019une location de voiture de luxe ou d\u2019un voyage \u00e0 rabais. Autrement dit, tout ce qui est \u00e9ph\u00e9m\u00e8re et qui co\u00fbte les yeux de la t\u00eate en int\u00e9r\u00eats est consid\u00e9r\u00e9 comme une mauvaise dette. C\u2019est l\u00e0 qu\u2019on vous laisse la chance de r\u00e9viser votre r\u00e9ponse \u00e0 la question qui a ouvert cet article.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-109\" src=\"https:\/\/www.maresidenceretraite.ca\/blogue\/wp-content\/uploads\/2017\/06\/le-surendettement-des-retraites-ordinateur-calcul.jpg\" alt=\"\" width=\"780\" height=\"438\" srcset=\"https:\/\/www.maresidenceretraite.ca\/blogue\/wp-content\/uploads\/2017\/06\/le-surendettement-des-retraites-ordinateur-calcul.jpg 780w, https:\/\/www.maresidenceretraite.ca\/blogue\/wp-content\/uploads\/2017\/06\/le-surendettement-des-retraites-ordinateur-calcul-300x168.jpg 300w, https:\/\/www.maresidenceretraite.ca\/blogue\/wp-content\/uploads\/2017\/06\/le-surendettement-des-retraites-ordinateur-calcul-768x431.jpg 768w\" sizes=\"auto, (max-width: 780px) 100vw, 780px\" \/><\/p>\n<p><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script><br \/>\n<!-- MRR - pub dans les posts sur le blogue --><br \/>\n<ins class=\"adsbygoogle\" style=\"display: block;\" data-ad-client=\"ca-pub-3346598485307293\" data-ad-slot=\"8935186562\" data-ad-format=\"auto\"><\/ins><br \/>\n<script>\n(adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/p>\n<p><strong>\u00ab\u00a0\u00catre plus fut\u00e9 que le cr\u00e9dit\u00a0\u00bb, comme on dit<\/strong><\/p>\n<p>Quoi qu\u2019il en soit, la r\u00e9ticence \u00e0 parler de ses probl\u00e8mes financiers est particuli\u00e8rement observ\u00e9e chez les personnes \u00e2g\u00e9es. Tandis que, depuis une vingtaine d\u2019ann\u00e9es, le nombre d\u2019h\u00e9ritiers qui refusent leur succession parce qu\u2019ils ne re\u00e7oivent que des dettes cro\u00eet rapidement, les retrait\u00e9s continuent d\u2019avoir tendance \u00e0 garder la situation loin des yeux de leurs enfants. Pendant ce temps, personne ne se doute de quoi que ce soit, et les petits-enfants continuent de recevoir des cadeaux No\u00ebl apr\u00e8s No\u00ebl, comme si de rien n\u2019\u00e9tait.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-110\" src=\"https:\/\/www.maresidenceretraite.ca\/blogue\/wp-content\/uploads\/2017\/06\/le-surendettement-des-retraites-famille.jpg\" alt=\"\" width=\"780\" height=\"438\" srcset=\"https:\/\/www.maresidenceretraite.ca\/blogue\/wp-content\/uploads\/2017\/06\/le-surendettement-des-retraites-famille.jpg 780w, https:\/\/www.maresidenceretraite.ca\/blogue\/wp-content\/uploads\/2017\/06\/le-surendettement-des-retraites-famille-300x168.jpg 300w, https:\/\/www.maresidenceretraite.ca\/blogue\/wp-content\/uploads\/2017\/06\/le-surendettement-des-retraites-famille-768x431.jpg 768w\" sizes=\"auto, (max-width: 780px) 100vw, 780px\" \/><\/p>\n<p>Des outils existent pour pr\u00e9venir la situation ou la gu\u00e9rir, outre bien s\u00fbr le classique budget personnel qu\u2019on peut planifier \u00e0 l\u2019aide d\u2019un conseiller financier ou d\u2019outils en ligne. Le programme <a href=\"http:\/\/plusfutees.com\/\">Des communaut\u00e9s plus fut\u00e9es que le cr\u00e9dit<\/a>, par la Coalition des associations de consommateurs du Qu\u00e9bec, m\u00e8ne par l\u2019exemple en sugg\u00e9rant d\u2019avoir recours \u00e0 la consommation collaborative pour all\u00e9ger ses d\u00e9penses. Les solutions couvrent l\u2019alimentation, le logement, les loisirs, et le transport, avec des id\u00e9es comme des coop\u00e9ratives d\u2019habitation, des jardins communautaires, et des maisons de la culture. C\u2019est donc dire qu\u2019avec une touche de cr\u00e9ativit\u00e9, il est fort possible d\u2019att\u00e9nuer le fardeau financier que peut occasionner la retraite. Mais \u00eatre cr\u00e9atif, c\u2019est plus facile quand on partage le probl\u00e8me et qu\u2019on le d\u00e9fie \u00e0 plusieurs.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vous avez 56 ans et vous avez travaill\u00e9 fort toute votre vie. Aujourd\u2019hui, vous m\u00e9ritez un petit velours. Vous voulez vous payer du beau, mais vous h\u00e9sitez entre r\u00e9nover la cuisine, partir une semaine en croisi\u00e8re, ou acheter un chalet \u00e0 Sutton. Financi\u00e8rement parlant, quelle est la meilleure option, sachant que la retraite vous fait [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":107,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-106","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vos-droits"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Le surendettement des retrait\u00e9s : une r\u00e9alit\u00e9 qui m\u00e9rite qu\u2019on en parle -<\/title>\n<meta name=\"description\" content=\"\u00c0 la retraite, l\u2019exc\u00e9dent est souvent maigre pour les paiements d\u2019hypoth\u00e8que ou d\u2019int\u00e9r\u00eats du dernier voyage qu\u2019on a pay\u00e9 \u00e0 cr\u00e9dit.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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