I was recently talking to a friend who currently lives in Washington DC and when we spoke he was in Bamako, Mali. He pointed out to me that his daughter had used, wonderfully and successfully, the services of a Flyer advertiser to move her student belongings from Cornwall to the Aude. Finally a connection, it’s a funny old world.
One report I saw on TV, about the refugees trying to make it across the Mediterranean, said that people were paying 12,000€ to make the sea journey. I thought maybe Greece could offer to take all of the refugees and wipe out their various EU & IMF debts, then I did the maths. What they owe divided by 12,000 per person would mean that they would need to take on 10 times the population of India to have no debt. It certainly put into perspective the size of the whole those Hellenic chappies are in, hopefully my maths was wrong.
I had thought also maybe the NHS and British government could set up a fortified nurse training centres along the Libyan coast and that could solve the problem of the wasteful use of agency nurses. Ok, ok, yes I know these are desperate people, not a subject of humour.
France, if it looked away and allowed leaky borders as the British government did a few years ago it would get the economy going. I think the concept is one of ‘we don’t get them all into the system immediately’ but they do usually from the start paying TVA and over time would slip into the whole tax system mainly because of medical needs, even if they don’t join in from the get go.
There’s a commune in Normandy selling off plots of land at 1€ a sq.m. They have a dwindling population, but I think maybe they could think a little grander than 4 plots.
I had a couple of great BBC subtitle moments again recently:
The Duchess of Cambridge was accompanied to the hospital by Vince William
(Prince, of course, and that’s how rumours start).
The Messenger probe identified on Mercury various elements including Magnesium and Salford (Sulphur?).
Did you see the Green party’s party election broadcast? It’s the best one I think I have ever seen, click here to watch it? Other political parties are available.
I am not sure that I agree with comedian Sebastien Thiery who appeared naked at the most prestigious theatre awards Nuit de Molieres in order to to appeal to the Minister of Culture to allow playrights to have unemployment benefit, whatever next.
Thousands of regular readers make the Flyer the place to be seen
Lost in France
It’s been one of those weeks where you remember what is was like before the internet came to the village. Once upon a time you were happy with what you had: some television, a DVD or two and a computer that you used simply as a word processor. Ah, those were the days! Well no actually they weren’t but it seemed like it. Once you’ve had the technology you can’t forget what it was like when it goes. The internet fumbles and tries to find a connection and there it is…. gone.
It’s now been nearly 10 days since we had reliable internet in the village. My neighbour has been storming about getting increasingly angry with the service from Orange. On one of the days the internet was working he sent off an email demanding either service or at least to be told what was happening. Someone called him back and offered him €15 compensation with which he was happy.
I called Orange on Thursday to be told that the service would be resumed on Friday. I then called on Friday to be told it would be back on Tuesday. The lady I spoke to said she would call me on Wednesday to discuss compensation, and she did indeed call me which was a surprise in itself, but it was to tell me that service would not be back until Friday and as she was off then she would call me this coming Monday to discuss compensation again. I wouldn’t mind if we knew we would have no service but it tease you by returning and tempting you into thinking it will stay and then it disappears again.
There is a problem in Toulouse and it appears to be just the connection to our village. This makes no real sense in the greater scheme of things, Orange being an international communications company in the 21st century and it taking over 10 days to fix.
I recently saw a documentary about a prison in the depths of Siberia, 700 miles from the nearest habitation and for prisoners who deserved it they were allowed to talk to their families on Skype.
My article last month generated a lot of interest, particularly about the possibility of claiming back French social charges.
If you did not see the article, you can read it on our website at:
There is no news yet as to when the Conseil d’État of France will consider the decision of the European Court of
Justice (ECJ) and so we must wait for the outcome before we know whether or not the ECJ decision will be accepted in
its entirety. As France has about six times the amount of public debt compared to Greece, refunding social charges to
lots of people, will most likely compound France’s deficit problems, so the government must be hoping that the
‘Sages of the Conseil‘ will take their time.
On the subject of debt problems, Greece must repay its creditors nearly €1 billion in May. This includes €200 million of
interest on a loan received from the IMF, which is due on 1st May, plus a €760 million loan repayment due on 12th May.
On top of all of this, there are wages due to public sector workers, which if the government does not pay, could trigger
calls for an early election in Greece. However, Greece will want to make sure it pays what is due to the IMF, which will
be the ‘banker of last resort’ to the country, if it cannot secure a deal with the EU.
As is being widely reported, Greece is struggling to raise the money it needs and Eurozone finance ministers are not
too happy about the lack of progress being made by Greece to reach agreement with its creditors. Speculation as to
either Greece defaulting on its debt or exiting the Euro is widespread. What effect will either of these events have on
Greece, the Euro, as well as the wider global markets and how can financial contagion be prevented?
The other big event in May is, of course, the UK General Election. At the time of writing, the polls were placing
Conservatives and Labour in a neck and neck position and who knows what the outcome will be. As the future of the
UK’s membership of the EU has been one of the key points in this election battle, it is possible that whoever wins or is
able to form a coalition government, we could anyway be heading for a referendum on the UK’s continuing membership
of the EU. What will this mean for our future, as UK expatriates and for the UK in the wider world? Tony Barber quoted
in the Financial Times on 15th March:
“A vote to leave would have serious implications for Britain’s place in the world, not to mention the EU’s political balance
and generally liberal economic outlook. It might even threaten the unity of the UK itself. Many in Scotland, Wales and
Northern Ireland would object loudly to losing EU membership just because an English majority had voted to leave.”
It seems highly likely that the outcome of this election will be watched, in the wider world, as closely as last year’s
Scottish Referendum. In addition, with the SNP likely to take Scotland with a clear majority and increase the number of
seats it holds in Westminster, does this create the groundwork for another referendum on the subject of independence?
Lots of questions and we will have to wait for the answers, at least until the key events of May unfold. Fortunately, this
timing coincides with our forthcoming Client Seminars – Le Tour de Finance - and so whether the questions are about
the effect of Greece defaulting on its debt or ‘Grexit’ (as a Greek exit from the Eurozone has now become known), the
future of the UK’s membership of the EU or anything else that has the potential to affect markets and exchange rates,
these seminars are the ideal opportunity to put these questions to experts.
We are already taking bookings for Le Tour de Finance 2015 and other subjects that we will be covering include
pension planning for French residency, EU Succession Regulations and French inheritance planning, French taxation
including how you can ensure that your financial assets are structured for maximum tax-efficiency, as well as currency exchange. The local events are taking place at:
Perpignan (66000) – 19th May
Bize-Minervois (11120) – 20th May
Montagnac (34530) – 21st May
Le Tour de Finance is an increasingly popular event and early booking is recommended. If you would like to attend
one of these events, please contact me to reserve your places. Each event commences at 10.00 am and finishes at
2.30 pm after a complimentary buffet lunch.
Finally, a reminder that French tax returns are due by 19th May 2015, if submitting a paper return or if submitting on-line
by 26th May 2015 for departments 01 to 19, by 2nd June 2015 for departments 20 to 49 and by 9th June 2015 for other departments. According to the ECB website, the average exchange rate of Sterling to Euros for 2014 is 0.80612
(or 1.2405 if you prefer to multiply your Sterling to calculate the equivalent Euro amount).
For those of you who came to live in France during 2014, you will need to make your first French tax declaration and
declare all your worldwide income and gains. This includes income and gains that might be tax-free in another country, for
example, UK ISAs, premium bond winnings and Pension Commencement Lump Sums, which are all taxable in France.
Even if the income is taxable in another country, for example a UK government pension and/or UK property rental
income, the amount must still be reported in France and it will be taken into account in calculating your French income
tax. You will then be given a tax reduction to take into account the fact that the income is taxable elsewhere.
It is also very important to declare the existence of all foreign bank accounts (whatever the amount in the account) and
life assurance policies taken out with companies outside of France. Failure to do so can result in a penalty of €1,500 for
each undisclosed bank account. However, if the total value of all unreported accounts is €50,000 or more, then the
penalty is increased to 5% of the total value of the accounts, if this results in a greater amount. The same penalties
also apply for undeclared foreign life assurance contracts.
Whether or not you are able to come to one of the Tour de Finance events, if you would like to have a confidential
discussion about pensions, investments and/or inheritance planning, using tax-efficient solutions, please contact me
either by telephone on 04 68 20 30 17 or by e-mail at firstname.lastname@example.org.
The Spectrum IFA Group advisers do not charge any fees directly to clients for their time or for advice given, as can
be seen from our Client Charter at
SIRET 522 658 194 00017
Numéro d’immatriculation ORIAS 10 056 800
Forward this Flyer to friends and anyone else you know who may find it useful
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Update Update Update
One of the most important things you need to do to your computer is UPDATE, but its also one of the most confusing things at least to many people.
The questions I am most frequently asked is “Which updates are safe, which one’s should I update and which one’s just add advertising or junk to my computer.”
Here’s a brief guide.
For a PC
Windows updates are the most important of all, these update patch the holes in the system and fix the faults in Microsofts programing.
Java updates but only from www.java.com (there are many fake updates, always go the real web site to update).
Adobe updates for FLASH and Acrobat Reader and only from www.adobe.com (again there are many fakes pretending to be a Flash update only download the update directly from Adobe.com).
Virus or Malware scanner. (Not only is it important that the threat database is kept up to date but you also need to watch out for version of the security software, most manufactures update the software yearly, so if yours says 2013 or 2014 its out of date and must be upgraded. Old software is more dangerous than no protection at all.)
Any other software that you are actively using, ie. Goole Chrome, Firefox, Thunderbird etc…
For a Mac
Apple updates – especially OSX 10.10 Yosemite.
Many people have read or heard bad things about Yosemite and how its slow, has problems with wifi etc. Most of these claims are fake, it’s very good and very reliable. The latest security fixes have ONLY been released for Yosemite so any earlier versions are now out of date and unsafe to use. (10.9, 10.8 etc) UPGADE NOW it’s free. (Some older Macs from 2009 are very slow at running OSX 10.10 but as these computer are now 6 years old they are getting near the time you should thing about replacing them as they will be too slow to use and also at risk of infection).
Adobe Flash but only from www.adobe.com
Remember (MAC and PC) that most software updates need to be downloaded from the internet and then RUN, many people get the download right and then forget to RUN or Install the update. If you see the update again with a day then it probably did not install, try it again?
If you see an update request on a web site DO NOT DO IT! Instead exit the page and go to the real site of the manufacture to download it. Be very careful using Search to find updates there are many fakes and many ways to download something you really don’t want.
Most important of all!!! READ the installation screens on the update and UNTICK any extra software it offers you.
AVG offer AVG Search – NO you do not want it.
JAVA offer Ask Search – NO you do not want it.
Adobe offers McAfee security scan – NO you do not want it.
These extra just make a mess and change your search and usually your home page on the internet but they can also lead to Malware and hacking so always say NO!
If you need help or have any questions about your computer please give me a call or send me an email for advice.
Bruce@mirax.org or Telephone 05 61 60 84 23.
Forum: http://csf.forum.org Local Association No : W112000594
You are in six spades. The defence lead a small diamond. Can you guarantee the contract?
Q J 10 9 8
You have two missing Kings and can afford to lose one of them. Win the lead, come back to hand with a club, play a diamond back to Dummy and cash one more club. Now ruff the last club back to hand. Play the Queen of spades and, if your left-hand opponent follows, play low from Dummy. If this loses to the King, the defence must give you either a free heart finesse or a ruff and discard. (If your left hand opponent shows out of trumps, cash the Ace and play another one to the same effect.)
April seems to have brought mostly good weather along with a little rain to help with the watering! Keeping an eye on weeding is an ongoing task at the moment, deep rooted perennials such as bindweed and couch grass have loved the warm weather and are growing like crazy. This is also the time of year to look out for pests and diseases and take appropriate action; roses may well be starting to have mildew and blackspot and lily beetles can strip a plant of foliage in days. Evergreen hedges can be given a light clipping but do check for nesting birds first.
* Sunday 10th May: Planting Design with Mediterranean Native Plants workshop, 10.30am, repeated at 2pm
Come along to this free event to learn about some great planting combinations and designs using Cistus, Phlomis, Teucrium, Thyme, Origanum and Spring bulbs...
Gill Pound will give a guided tour to talk about using Mediterranean native plants, looking at the garden's driest and hardiest Mediterranean borders. Imogen Checketts & Kate Dumbleton will then talk you through 3 different design templates which we will place out in the garden. You can take away copies of the planting plans.
More details soon. 10 to 18h both days
For any garden queries do get in touch with Gill Pound ( 04 68 78 43 81 or Gill@lapetitepepiniere.com ). La Petite Pépinière de Caunes 21, av de la Montagne Noire (route de Citou) 11160 Caunes-Minervois. Regular opening hours at the garden and nursery started on the on the 27th February and we are now open every Friday, Saturday & Sunday from 10am to 6pm until the end of November. Do remember that you are free to visit the garden without any obligation to buy but to observe, take notes etc. We are also always open by appointment, just phone or email to fix a time.
The Property Page
Just read your comments on UKIP. Sorry, but they are not promoting racism. And they are not anti immigration. If you read their manifesto they want to be in control of immigration into the UK. It has, as Nigel Farage has said, nothing to do with race or religion but it has everything to do with numbers. UKIP wants to have an Australian type of control on those allowed into the country based on a points system.
And now a comment on voting rights of expats. Although I was born and bred in Scotland, I was not able to vote in last year's referendum because I did not have a residential address in Scotland. As you may know, many non-Scots people living in Scotland were able to vote. All I can say is that it's probably a lot easier for the authorities to control voting for all those actually living in Scotland.
Some vide greniers and foires!
Please check before setting off http://vide-greniers.org
They also have a sister site where you can giveaway stuff or find stuff others are giving http://donnons.org
Its all recycling - you know it makes sense!
If there are two in the same town on the same day, it could be a duplicate on the site or a second event
Black = Aude - Brown = Ariege
Vendredi 1 Mai 2015
Bize-Minervois Vide grenier du comité des fêtes de Bize-Minervois
Carcassonne Fête du Muguet vide greniers avec sporting club varsovie
Carcassonne Vide grenier
Cuxac-d'Aude Vide Grenier vêtements
GreffeilVide grenier du 1 er mai
GruissanVide grenier de la MJC Foot
Marcorignan Jardi troc
Moussoulens Vide-greniers brocante
Narbonne-Plage Vide grenier
Peyriac-Minervois Vide Maison
Pieusse Vide dressing
Pomas Vide-grenier annuel du Club du temps libre
Trèbes Vide grenier
VilledaigneVidegrenier et marché artisanal
Villeneuve-la-Comptal Vide Grenier Usv xv Amicale des joueurs
Vinassan Videgreniers et marché artisanal
Arvigna Vide-Grenier organisé par l APE du DOUCTOUYRE
Brassac Vide grenier des écoles
Daumazan-sur-Arize Puces du Château Cazaleres
Laroque-d'Olmes Vide grenier du 1er mai
Samedi 2 Mai 2015
Coursan Vide grenier à Coursan
Durban-Corbières Vide grenier du Comitat de Festo - Course de caisses à savon
Peyriac-Minervois Vide Maison
Port Leucate Vide grenier
Saint-Julia-de-Bec Le printemps de Saint Julia-de-Bec
Saverdun Vide greniers +brocante
Dimanche 3 Mai 2015
Argens Minervois VideGrenier Annuel du tennis club d'Argens Minervois
Carcassonne Vide grenier brocante
Castelnau-d'Aude Vide greniers de l'association des parents d'eleves
Coursan Vide grenier à Coursan
CoustaussaVide greniers du comité des fêtes
Cruscades vide grenier de la peche
Fleury d'aude Vide grenier des sapeurs pompiers de Fleury d'Aude
Gaja-et-Villedieu Vide greniers du comité des fêtes
Limoux Brocante la mensuelle le 1er dimanche de chaque mois
Mailhac Vide greniers de la pétanque mailhacoise
Mas-Saintes-Puelles VideGrenier Association Dance Attitude
Narbonne Vide grenier
Narbonne Vide grenier aux profits de l'école Mathieu Peyronne
Palaja Vide grenier
Peyriac-Minervois Vide Maison
PuichericBrocante et videgrenier de L'Aappma de Puicheric
Rieux-Minervois Boursemoto et vide grenier
Saint-Marcel sur Aude Vide dressing
SouilheVide-grenier de printemps
Trèbes Braderie de la petite enfance
VillemoustaussouVide grenier des vieilles cylindrées
BélestaLe printemps des petites mains (loisirs créatifs)
Foix Joyeuse petanque fuxeenne
Le Fossat Vide-greniers
Mazères Vide grenier mensuel
Pamiers Marché et puces et à la brocantes
Saint-Lizier Marché aux Puces, de la cave au grenier
Vendredi 8 Mai 2015
Alet-les-Bains Vide grenier - danse country - concours de boules
Brenac Nature, Art et jardins
Carcassonne Vide grenier
Lézignan-Corbières Vide-Greniers de l'UF Lézignanais
Luc-sur-Orbieu Vide grenier
Narbonne Journées portes ouvertes et vide maison
Narbonne-Plage Vide greniers
NévianVide grenier du8 mai La Farandole
Peyrens Marché aux fleurs- vides greniers
Salles-d'Aude Vide grenier organise par l'EFSC
Villasavary Vide Grenier des Majos
Villeneuve-Minervois Vide grenier,foireartisanale
Daumazan-sur-Arize 7ème vide grenier de Daumazan
FoixGrand vide grenier de Montgauzy
Saint-Amadou Vide greniers annuel
Samedi 9 Mai 2015
CoursanVide grenier à Coursan
NarbonneJournées portes ouvertes et vide maison
Foix Vide-greniers brocante
Saverdun Vide greniers +brocante
Dimanche 10 Mai 2015
Boutenac Vide grenier
CarcassonneVide grenier brocante
CastelnaudaryVide grenier des anciens sapeurs pompiers de l'Aude
Conques-sur-Orbiel Vide grenier des ecoles
Coursan vide greniers
Coursan Vide grenier à Coursan
Le Somail Vide-greniers brocante du printemps
MontréalVide greniers Marché artisanal
Moussoulens Vide grenier
Narbonne Vide-greniers de Printemps
Narbonne Vide Grenier et vêtements
Ouveillan Vide grenierdes écoliers d'Ouveillan
Pexiora Vide grenier
Puicheric Vide-grenier ClubPétanque Puichéricois
SigeanSalon de la Création, des fleurs et des saveurs
La Bastide-sur-l'Hers Videgrenier RPI La Bastide sur l'Hers - Le Peyrat
Pamiers Marché et puces et à la brocantes
Tarascon-sur-Ariège Vide Grenier à Domicile
i have searched and there is not much going on, as you can see. i thought i would put a pic in of someone you wont have seen live for a long time, if ionly she needed cash and made a flourishing comeback a la Mr Cohen
PHARRELL WILLIAMS 24 June Nimes Festival
BEN HARPER 4 July Nimes Festival
LENNY KRAVITZ 9 July Nimes Festival
PLACEBO 10 July Argeles
LENNY KRAVITZ 11 July Argeles
CAT EMPIRE 12 July Argeles
TOTO & CHRISTOPHER CROSS 15 July Nimes Festival
SANTANA 16 July Nimes Festival
SANTANA 17 July Argeles
LIONEL RICHIE 17 July Nimes Festival
STING 20 July Nimes Festival
JOAN BAEZ 22 July Nimes Festival
THE RED ARMY CHOIR 3 Nov Zenith Toulouse
UFO 10 Nov Le Metronum
THE STRANGLERS 10 Nov Bikini Toulouse
NIGHTWISH 26 Nov Zenith Toulouse
LA TRAVIATA 28 Nov Zenith Toulouse
SCORPIONS 4 Dec Zenith Toulouse
CIRQUE DU SOLEIL 22/26 Nov Zenith Toulouse