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  • Flyer 4th January 2017

     

    Aude and Ariege Flyer 4th January

    header3117 

    Bonjour

    Yes and then it was suddenly Friday the 13th - winter and bloody cold.  It could be worse it could be Friday the 20th

    I know all you Republicans will still be saying “give him a chance” and “let’s see what he can do” - well honestly, it’s not looking so good so far, eh?  I am pretty sure a very large number of people in the world haven’t been so nervous since The Bay of Pigs.  But it could all be a storm in a tea cup and he will get a second term!  Is a President who has served 2 consecutive terms allowed back after a break?

    Is it possible that fake news is being generated in the UK?  Lots of NHS and weather stories, which could be designed to stop British voters thinking about the need to have an election to replace the Maggie impersonator and the political version of Tommy Cooper, that is Messrs May and Johnson.

    Fidel Corbyn is missing the boat again and suggesting a maximum wage, it’s no wonder Blair is lurking in the wings.

    Does the name Paragoric mean anything to you as a medicine? I heard it referred to, I think in a drama on TV recently, and it rang a distant bell.  I can only think that I was told I would need some by my mother, possibly as a threat.  Having looked it up it is remarkable that it is actually still available and is technically known as Camphorated Tincture of Opium. Well that’s some threat, has anyone else been chastised or offered it?

    I am sure all will be fine and 2017 will be spiffing especially as we aren’t turning on TV news early in the morning to see who else has departed, stay warm, well.

    Steve

      

    Thousands of regular readers make the Flyer the place to be seen

    Lost in France

    Lost in France is not written by Steve and he is not responsible for my views and comments.

    I may have said this before, but I do love the Cap Cinema in Carcassonne on Boulevard Omer Sarraut.  It’s like going back in time and so much better than the modern multiplex.  Many steps, wonky corridors and dull carpet but I could do without the freezing auditorium.  I like the fact that depending on the time of day you go it is virtually empty and you can sit anywhere.  And - there is no popcorn for sale.  I don’t know who thought it was a good idea to sell popcorn in cinemas in the first place, probably one of the noisiest snacks available which also seems to encourage more noise from its eaters too.  Anyway, that’s just possibly just grumpy old me as the people in front of me in the queue to see ‘Manchester by the Sea’ would have purchased some if they could.

    I recommend the film for many reasons, one of which is that I like Scandinavian thrillers.  This isn’t a thriller but it does have a sad Scandinavian feel to it.  Snowy townscapes of wintry Connecticut.  Tragedy cutting into everyday lives and how people survive and go on and make do.  Another reason is to watch Casey Affleck as the deeply conflicted main character, his restrained performance as the guilt-ridden Lee Chandler working in low-paid menial jobs and not allowing himself entry into the life is impressive.  He is forced to return to his home town on the death of his brother who has requested in his will that Lee becomes the guardian of his nephew.  The return reveals the cause of his guilt and his self-flagellation.  The clever dialogue of Kenneth Lonergan and humour breaks into Lee’s world and although there isn’t a ‘Hollywood’ ending (there never could be) it does have a resolution.

    I know I’ve made it sound as depressing as hell, but it really is worth seeing for the powerful performances by Casey Affleck and Lucas Hedges (as his nephew), so if you like an evocative soundtrack by with just a nod to Wim Mertens and snowy views of Connecticut fishing towns you’re in luck.  

     angloeuropean

     nickcamamail

     Local press ad

     Carolyn Knight new ad

       

    Forward this Flyer to friends and anyone else you know who may find it useful

    61specto

    French Tax Changes 2017

    As always, the French parliament was very busy during December with its annual round of tax changes, although compared to previous years, there are only a small number of personal tax changes.

    The income tax bands have been revised in line with inflation and so will only make a small difference to the resulting income tax. However, with the weakness in Sterling throughout 2016, taxpayers receiving UK pensions should see a reduction in their tax bill, as a reflection of lower levels of income in Euro terms. The benefit of this should not be underestimated, as in certain situations, this can also lead to reductions in French property taxes. An added benefit this year is that some households will be granted a 20% tax reduction.

    From 1st January 2018, France will change to a more modern system of collection of income tax, by taxing income as it arises. Transitional arrangements have been introduced, which will effectively result in some elements of 2017 income not actually being taxed!

    There are no changes to wealth tax rates or to the capital gains tax rules for financial assets and real estate. Social charges also remain at 15.5% for investment income and capital gains.

    This year also sees the first exchange of information between tax authorities under the OECD Common Reporting Standard. Hence, now more than ever, it is essential that French tax residents report all information about foreign bank accounts and life assurance policies

    A more detailed summary of the tax changes can be found on our website at http://www.spectrum-ifa.com/french-tax-changes-2017/

    In addition to the French tax changes, this month also sees the inauguration of Donald Trump as US President. Other important political events in 2017 include several presidential and parliamentary election throughout the EU, including France and Germany.

    However, much closer to our hearts, the UK Supreme Court is expected to deliver its decision this month on the government’s appeal against the High Court’s Article 50 ruling on Brexit. This is not about overturning the result of the Referendum, but about whether or not the government has prerogative powers to invoke Article 50 to start the Brexit process.

    There are also the general economic prospects for the year ahead to consider. For example, what will happen with interest rates? How will investment markets react to the political changes on the horizon and of course, the Brexit saga?

    Clearly, we have an ‘interesting’ year ahead and so as we go forward into 2017 and face the challenges that it presents, I would like to wish everyone a Happy New Year.

    If you would like to discuss how the French tax changes may affect you, or you would like to have a confidential review of your financial situation, please contact me by e-mail at daphne.foulkes@spectrum-ifa.com or by telephone on 04 68 20 30 17.

    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
    http://www.spectrum-ifa.com/spectrum-ifa-client-charter/

    Daphne Foulkes
    SIRET 522 658 194 00017
    Numéro d’immatriculation ORIAS 10 056 800

    spectnewfoot

    Le Flyer est disponible dans d'autres langues via le site web, audeflyer.com

     

    FRENCH ADVENTURE

    We seek a practical and country loving couple as long term live-in

    guardians, plus 1-2 days a week maintaining garden/grounds/DIY etc

    depending on the season. In return we offer rent free furnished

    accommodation in a cosy, newly renovated apartment with wonderful

    views. Our former farmhouse is located deep in the countryside between

    Mirepoix and Castelnaudary in the Aude. Own transport essential.

    Guardians pay only their own costs. Excited? Email us for further information

    and provide basic details about your  suitability. References essential.

    kholmes-siedle@btconnect.com

     

    lornafranks

    gillan2015ad

     

    Limoux 

    58network

    russelcoope14

       

     dontpanic

     
       

    meteo ciel3

     
     

    BTP long banner700x100

     

    readers write

      On Friday 13th there is an online campaign to bombard the Prime Minister's email address with the views of Brits living in Europe who object to her using us as pawns in her negotiations with other EU countries. 
    > https://email.number10.gov.uk/

    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

    vide

    Samedi 14 Janvier

    Coursan  Vide grenier Route de Cuxac

    Dimanche 15 Janvier

    Carcassonne Vide grenier brocante

    Coursan  Vide grenier Route de Cuxac

    Ornaisons  Vide grenier intérieur et extérieur

    Pamiers  Vide grenier brocante

    Saint-Girons  Les puces du champ de mars

    Varilhes  Vide grenier

    Samedi 21 Janvier

    Coursan  Vide grenier Route de Cuxac

    Dimanche 22 Janvier

    Carcassonne  Vide grenier brocante

    Coursan  Vide grenier Route de Cuxac

    Narbonne  Vide grenier

    Pamiers  Vide grenier brocante

    Varilhes  Vide grenier sur D624

    Samedi 28 Janvier

    Coursan  Vide grenier Route de Cuxac

    Dimanche 29 Janvier

    Carcassonne  Vide grenier brocante

    Coursan  Vide grenier Route de Cuxac

    Narbonne  Vide Atelier d’Artistes (1ère édition Artista d’Oc)

    Pamiers  Vide grenier brocante

    Varilhes  Vide grenier sur D624

       
     

     

       

    survived

    ‘It’s just been confirmed that all major celebrities have survived the night.’

    intodark 

    elsknockstage

    camelotpanto2016

    What's On 

    BIFFY CLYRO 29 JAN BIKINI TOULOUSE

    TEENAGE FANCLUB 20 Feb Le Letronum Toulouse

    CELTIC LEGENDS 28 MARCH Zenith Toulouse

    SUICIDAL TENDENCIES 11 April Bikini Toulouse

    PLACEBO  24 April Zenith Toulouse

    SIMPLE MINDS 29 April Halle Aux Grains Toulouse

    XAVIER RUDD 18 June Bikini Toulouse

    CARO EMERALD, DEE DEE BRIDGEWATER 6 July Cognac Blues Passions

    BEJART BALLET 9 July Carcassonne Festival

    PIXIES 27 July Carcassonne Festival

     

     

    leshoriaire

     

    ADVERTISING RATES 
    The following prices are for one insertion in the Flyer email news letter unless otherwise stated

         

    Give away items

    FREE

    1 image and 25 words, plus contact details

    All items for sale inc Motor vehicles, boats, caravans & trailers

    25 €

    1 image and 25 words, plus contact details in 3 editions

         

    Property for sale - land, houses, businesses

    50 €

    up to 8 images and 500 words, plus contact details - your own property web page linked to the "Property Page" section of the Flyer for 13 editions

    Large Display Advert - Corporate

    100€

    Finished artwork to be 756 pixels by 200 pixels landscape or 378 pixels by 400 pixels portrait

    Standard Display Advert - Corporate

    50€

    Finished artwork to be 378 pixels by 200 pixels landscape

    Large Display Advert - Small Companies and Sole Traders (at my discretion)

    50€

    Finished artwork to be 756 pixels by 200 pixels landscape or 378 pixels by 400 pixels portrait

    Standard Display Advert - Small Companies and Sole Traders (at my discretion)

    25 €

    Finished artwork to be 378 pixels by 200 pixels landscape

    What's on feature advert

    35 €

    Finished artwork to be 378 pixels by 515 pixels portrait

    Advertising
    information about advertising rates and specifications.
    informations sur les tarifs publicitaires et specifications.
    Send details to of your advert to Steve Hedges.
    Please note all text (unless in a finished advert) should be Plain Text,

    Finished adverts should be submitted in jpeg format 378 pixels wide

    Email your text, pictures and contact information to mail@audeflyer.com

  • Flyer 18 Janauary 2017

    Aude and Ariege Flyer 18 Janauary

    header 18117 

    Bonjour

    Can it get any worse? Well maybe.  Germany are due some elections and then there’s France and of course Italy have the 3 times a year concept.  It must be time for Berlusconi to rear his head again, they didn’t lock him up did they?  There seem to be quite a few men with short dark hair of a certain age hoping to get the Presidency job of the Fifth Republic.  Manny Valls and Benny Hamon for the socialists and Emanny Macron, for his own party, En Marche. The picture below makes me confuse him with Hamon -

    macron

    The front runners in the polls currently have the ones that are easier to identify Frank Fillon ahead of Marine who are trailed by Macron in third, Polls? Who knows?  Looking different seems to have helped in other recent elections combined with tearing up the traditional manual of how to do things.

    The independent wrote Macron’s policies are largely directed to removing barriers. He calls for a “democratic revolution” and promises to “unblock France”. 

    Thus Macron would scrap France’s 35-hour working week for younger workers while at the same time making it easier for businesses to lay workers off. But he would balance that reform with establishing broader unemployment benefits. He believes that older workers should be able work for fewer hours. He also wants to increase state spending on schools in areas where there are large numbers of migrants. In sum, he is determined to change France’s post-war model, which, as he told the centre-left weekly magazine L’Obs, “has created deep inequalities by favouring mostly insiders, those with a permanent job contract and stable employment... everyone else has been left aside”.

    I haven’t heard but I presume President Trump has taken on an elite Republican Guard, my presumption is based on the fact that he has totally annoyed all of the regular US secret services. So he will need protection from his own security.  Can you imagine an order being given to his close protection team of “don’t try to hard”?

    Below I think are the first interviews for his private guard, oh and a fine role model

    Trump Miss USA 320x190imgres

    Happy Chinese New year

    In Cantonese: Kunghei fatchoy /gong-hey faa-chwhy/

    If you are reading this and you are a UK resident you may want to look at this 

    Petition: Prevent Donald Trump from making a State Visit to the United Kingdom.

    https://petition.parliament.uk/petitions/171928

    it seems to be going up about 150 names a second at the moment.

    Steve

      

    Thousands of regular readers make the Flyer the place to be seen

    Lost in France

    Lost in France is not written by Steve and he is not responsible for my views and comments.

    Advice for reducing electricity consumption from 1942.

    light1

    1. Lay a piece of chimney pipe about 50 cms in diameter above an electric heater.  It will stop the heat from rising immediately to the ceiling.
    2. Before heating a room open the windows for two minutes.  The cold air will reheat quicker than the temperate air. 
    3. Don’t forget to clean your light bulbs from time to time.  You will gain more light. 
    4. You would be advised to change your light bulb before they die as an old light bulb consumes more energy than a new one.
    5. When you read, sew or write choose a table lamp or even use a less powerful light bulb as the intensity of the light will be stronger than that coming from a ceiling light.  The reflection from your lights will be enough to illuminate part of the room where you are working but not enough concentrate the light in a particular place.  A judicious choice of light will allow you to use a less powerful bulb.
    6. Avoid indirect lighting if you want to economise on your supply, choose preferably hanging lights with base at the top and filament at the bottom.

     angloeuropean

     nickcamamail

     Local press ad

     Carolyn Knight new ad

       

    Forward this Flyer to friends and anyone else you know who may find it useful

    61specto


    New French legislation affecting ‘Fonds en euros’ accounts in assurances vie policies.

    You may recall I highlighted this concerning development in my November article (Aude Flyer 23rd November). If you missed it, and because it is particularly concerning, I have reproduced that article again, with an update….

    There has been concern for some time, about how plummeting bond yields may affect the extremely popular ‘fonds en euros’ (by far the most popular choice for French investors in assurances vie policies). The question is how life insurers are going to be able to continue paying an acceptable annual return to their policyholders, while sovereign bonds offer increasingly low (or even negative) returns?

    To explain, these ‘fonds en euros’ have to guarantee capital whilst paying a bonus every year. The only way that a fund manager can be sure of meeting this obligation is to put the vast majority of investors’ money into French government bonds. By doing so, they fund government debt to the tune of trillions of euros.

    As recently as 2007, they were paying an attractive 5% per annum net. This has now fallen to about 2.5% and are set to fall further, almost certainly to under 2% for 2016. With bond rates at historically low levels, they should now only be paying about 1%, but companies have been dipping into their reserves as they fear that such a low rate would lead to a mass exodus from these policies. This has inevitably caused concerns about the financial stability of the insurance companies.

    There have been several recent developments:

    1) The state has imposed new reporting requirements on life insurers from 1 January 2016 under which they are obliged to provide details of policies with a value of more than €7,500. This is to assist the fight against money laundering but it could also be used to test the solvency of insurance companies.

    2) For the past few years, the French Ministry of Finance and the Governor of the Bank of France have been consistently urging life insurers to lower returns on their ‘fonds en euros’. This has not been sufficiently acted upon and the government has now passed an amendment to Article 21a of the law "Sapin 2".

    Voted in secret on June 23 (with the French population concentrating on their imminent summer holidays and the euphoria of the European Cup!), the new legislation passed virtually unnoticed by the mainstream media.

    There were very few immediate reactions, even though some members of parliament were taken aback by this amendment when it was presented to them to vote on by the MP proposing the bill.

    The government, as has often happened in the past, conveniently happened to be going on their own summer holiday immediately afterwards. This avoided their having to answer any awkward questions, had this matter happened to come to the attention of the media!

    Whether this legislation ever needs to be acted upon depends on government bond and bank interest rates. However, the future certainly looks bleak for investors in ‘fonds en euros’ (probably 90% of all French assurance vie policyholders).

    What does this new law actually say and how will it affect you?

    The final decision as to whether this law comes into force now lies with France’s ‘Constitutional Council’. A decision is expected by mid-December.

    I can now confirm that these measures have now passed into law as at 3rd January 2017.

    For clarification, the ‘Financial Stability Board’ (‘HCSF’) now has the power to 'suspend, delay or limit temporarily, for all or part of the portfolio, withdrawals or the option to switch funds’.

    The implications of this are clear: overnight, at the request of Governor of the Bank of France, the HCSF may prohibit you carrying out all normal policy operations, including withdrawals and fund ‘switches’.

    In short, some or all of your assets could be frozen for “a period of 3 months, renewable" (i.e. for whatever time is required for the crisis threatening an insurance company to pass). It is not inconceivable that your investment could be reduced in value in order to avoid an insurance company becoming insolvent. Article L.612-33 of the Monetary and Financial Code provides the means for this reduction to be imposed. It is not known how this would affect the official guarantee of €70,000 for every assurance vie policy.

    People are becoming increasingly disturbed, and rightly so, that this draconian law will now allow the authorities, in total disregard of contract law, to deprive you of access to your money!

    However, on closer inspection, the powers given by this new legislation were already granted to the ACPR (Prudential Control Authority and Resolution) by Article L. 612-33 of the Monetary and Financial Code, as follows:

    “If the solvency or liquidity of a person or institution subject to supervision by the Authority or when the interests of its customers, policyholders, members or beneficiaries, are compromised, the Prudential Control Authority shall take the necessary precautionary measures [...] it can, as such: [...] 7. instruct a person or institution [...] to suspend or limit payment of cash values, the option of switching investments, or the granting of policy loans."

    One should remember that similar provisions exist in the banking sector. The directive on the recovery and resolution of banking crises (BRRD) authorizes freezing of clients’ assets and potential loss of money in bank accounts, in case of any difficulty that might lead to insolvability.

    The new version of the text is intended to prevent and reverse the effects of a contagion that could affect assurance vie investors in the event of a severe financial crisis, It is designed "to preserve the stability of the financial system or prevent risks seriously threatening insurance companies or a significant number of them."

    Clearly, these measures are intended to protect insurers, especially if investor panic sets in and there were mass surrenders of assurance vie contracts, an event which insurers would be hard pressed to cope with. They are holding bonds with maturity dates of ten or even thirty years from now. To try and offload €1.5 trillion of bonds would just not be possible.

    How to react?

    One suspects that this situation is worrying insurers because they are struggling to meet the expectations of their investors. This is eating into their reserves and, regardless of the prospect of an eventual increase in bond yields, some of them could find themselves in a precarious situation in the months and years to come.

    There is a clear expectation that the returns from these investments will fall this year (2017) making them less attractive to investors, and this could trigger withdrawals over the coming months and years. The threat is therefore not just a short term one.

    Of course, it would be reassuring to think that worried investors would not panic and withdraw their money from these policies, knowing that this would only exacerbate the situation.

    Policyholders are all too well aware that if they rush en masse to cash in their contracts, they could actually cause the assets in these policies to be frozen. But is that going to stop them trying to be ‘first in the queue’ and avoid the suspension of withdrawals?

    The ideal scenario would be for investors to stay calm and avoid possible future difficulties by gradually switching out of ‘fonds en euros’ to other assets (unit linked multi-asset funds, property funds, etc). We will see if this is what happens.

    In spite of all this, assurance vie remains an attractive investment, especially in view of its advantageous tax benefits. Investors therefore have to weigh up the advantages compared to what is obviously an increased element of risk. In particular, those who took out policies prior to reaching their 70th birthday risk losing valuable Inheritance Tax advantages.

    Fortunately, we are able to offer policies domiciled outside of France (in Dublin, for example) which are immune from this French legislation. These also offer the possibility of initially investing in sterling, thus avoiding the need to convert pounds to euro at the current low exchange rate. If you would like to find out more about our French compliant, yet non-domiciled assurances vie, or hold ‘fonds en euros’ funds within an existing assurance vie contract and would like specific advice, then please contact me either via our office in Limoux or by ringing me direct on the number below. You can also contact me by email at derek.winsland@spectrum-ifa.com or call our office in Limoux to make an appointment.

    Alternatively, I conduct a drop-in clinic most Fridays (holidays excepting), when you can pop in to speak to me. Our office telephone number is 04 68 31 14 10.


    I look forward to seeing you soon.

    Derek Winsland
    Chartered Financial Planner
    Mobile: 0771 71 95 52

    spectnewfoot

     csf support groups18117

    Email: helplinecsfsud@gmail.com;  Website: www.cancersupportfrance.info

    Forum: http://csf.forum.org      Local Association No : W112000594

    Le Flyer est disponible dans d'autres langues via le site web, audeflyer.com

     

    FRENCH ADVENTURE

    We seek a practical and country loving couple as long term live-in

    guardians, plus 1-2 days a week maintaining garden/grounds/DIY etc

    depending on the season. In return we offer rent free furnished

    accommodation in a cosy, newly renovated apartment with wonderful

    views. Our former farmhouse is located deep in the countryside between

    Mirepoix and Castelnaudary in the Aude. Own transport essential.

    Guardians pay only their own costs. Excited? Email us for further information

    and provide basic details about your  suitability. References essential.

    kholmes-siedle@btconnect.com

     20161123 120818 001

    lornafranks

    Numeriser 17

    Painting & Decorating. Siret No. 50324954200013

     digger kingsley

    gillan2015ad

       

    58network

    russelcoope14

       

     dontpanic

    15322371 10154528211731049 307260509 o.png 

       

    meteo ciel3

     CSF Booksale 15Feb17

     ceilidh 2017 11white back

    BTP long banner700x100

     msevent

    readers write

      On Friday 13th there is an online campaign to bombard the Prime Minister's email address with the views of Brits living in Europe who object to her using us as pawns in her negotiations with other EU countries. 
    > https://email.number10.gov.uk/

    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

    vide

    Samedi 4 Février

    Coursan  Vide grenier Route de Cuxac

    Mirepoix  Vide dressing

    Saverdun  Vide grenier marché aux puces et divers

    Dimanche 5 Février

    Carcassonne Vide grenier brocante

    Coursan  Vide grenier Route de Cuxac

    Limoux  Brocante

    Narbonne  Vide grenier

    Mazères  Vide grenier

    Mirepoix  Bourse dons, trocs, échanges

    Pamiers  Vide grenier brocante

    Varilhes  Vide grenier sur D624

    Samedi 11 Février

    Coursan  Vide grenier Route de Cuxac

    Dimanche 12 Février

    Carcassonne  Vide grenier brocante

    Coursan  Vide grenier Route de Cuxac

    Marcorignan  Vide maison, armoire, intérieur salle

    Pamiers  Vide grenier brocante

    Saint-Girons  Vide grenier

    Varilhes  Vide grenier sur D624

    Samedi 18 Février

    Coursan  Vide grenier Route de Cuxac

    Dimanche 19 Février

    Carcassonne  Vide grenier brocante

    Coursan  Vide grenier Route de Cuxac

    Narbonne  Vide grenier

    Pamiers  Vide grenier brocante

    Saint-Girons  Vide grenier

    Saverdun  Vide grenier marché aux puces et divers

    Varilhes  Vide grenier sur D624

       
     

     

       

     sapp

    intodark 

    elsknockstage

     

    What's On 

    TEENAGE FANCLUB 20 Feb Le Letronum Toulouse

    CELTIC LEGENDS 28 MARCH Zenith Toulouse

    SUICIDAL TENDENCIES 11 April Bikini Toulouse

    PLACEBO  24 April Zenith Toulouse

    SIMPLE MINDS 29 April Halle Aux Grains Toulouse

    XAVIER RUDD 18 June Bikini Toulouse

    CARO EMERALD, DEE DEE BRIDGEWATER 6 July Cognac Blues Passions

    BEJART BALLET 9 July Carcassonne Festival

    PIXIES 27 July Carcassonne Festival

     

     

    leshoriaire

     

    ADVERTISING RATES 
    The following prices are for one insertion in the Flyer email news letter unless otherwise stated

         

    Give away items

    FREE

    1 image and 25 words, plus contact details

    All items for sale inc Motor vehicles, boats, caravans & trailers

    25 €

    1 image and 25 words, plus contact details in 3 editions

         

    Property for sale - land, houses, businesses

    50 €

    up to 8 images and 500 words, plus contact details - your own property web page linked to the "Property Page" section of the Flyer for 13 editions

    Large Display Advert - Corporate

    100€

    Finished artwork to be 756 pixels by 200 pixels landscape or 378 pixels by 400 pixels portrait

    Standard Display Advert - Corporate

    50€

    Finished artwork to be 378 pixels by 200 pixels landscape

    Large Display Advert - Small Companies and Sole Traders (at my discretion)

    50€

    Finished artwork to be 756 pixels by 200 pixels landscape or 378 pixels by 400 pixels portrait

    Standard Display Advert - Small Companies and Sole Traders (at my discretion)

    25 €

    Finished artwork to be 378 pixels by 200 pixels landscape

    What's on feature advert

    35 €

    Finished artwork to be 378 pixels by 515 pixels portrait

    Advertising
    information about advertising rates and specifications.
    informations sur les tarifs publicitaires et specifications.
    Send details to of your advert to Steve Hedges.
    Please note all text (unless in a finished advert) should be Plain Text,

    Finished adverts should be submitted in jpeg format 378 pixels wide

    Email your text, pictures and contact information to mail@audeflyer.com

  • Flyer 1 Febraury 2017

    Aude and Ariege Flyer 1 Febraury

    header1217

    Bonjour

    Maybe it's the hairstyle that makes a good leader?  Kim Jong-un and President Trump both make you wonder why you can't see the join? 

    Talking of La La Lands, the film should continue to collect gongs after its success in the Golden Globes, it should be Baftarama time for the feel good pic, they say.

    I just realised there is a street in the City of London called Trump Street, supposedly because its where trumpets were made, and humourously it runs into Russian Row. It is interesting  how you can pronounce “row” differently to get two quite different meanings.

     Trump street 1024x766trumpstreet

    That is a very useful article from Spectrum as usual, jut in case you are completing this online form, until very recetly it wouldnt work unless you put your email in all in capitals, bizarre but true, well done the hmrc.....

     BE GOOD TO EACH OTHER

    Steve

      

    Thousands of regular readers make the Flyer the place to be seen

    Lost in France

    Lost in France is not written by Steve and he is not responsible for my views and comments.

    loveI found an interesting analysis of what is currently happening in the western world’s political scene.

    I’ve copied, pasted and slightly edited (to make it more current) sections from a longer opinion piece by Tim Burrows in The Quietus November 2016.

    It is entitled ‘The Kids are Alt-right.  The Hippie energies behind Brexit and Trump’ and perhaps because some of us are of that generation I thought it would be interesting to read.  It is quite disturbing.

    “This year, 2017, will be the 50th anniversary of the so-called Summer of Love. If current trends carry on, it looks set to provide a counter to the reefer-softened, LSD-warped events of 1967: a summer of hate, willed along by the possible surge of the "alt-right", the meme-powered, white supremacist cyber-tribe credited with helping Trump into the White House, and buoyed by Marine Le Pen's potential introduction of homegrown fascisme Francaise to the Élysée Palace.

    The tech developer turned far-right thinker Curtis Yarvin – who believes the developed world should move back to 18th century gender norms and introduce eugenics – has attempted to frame it as the new 60s: "These young rebels aren't drawn to it because of an intellectual awakening, or because they're instinctively conservative," he says. "Ironically, they're drawn to the alt-right for the same reason that young Baby Boomers were drawn to the New Left in the 1960s: because it promises fun, transgression, and a challenge to social norms they just don't understand."

    Western culture's likely future was, until this year, the liberal consensus formed in the 1960s. The half-century anniversary of the summer of 67 is still a useful vantage point from which to read the alt-right.  Since then, the counterculture has slowly become the establishment, evidenced by the black, Bob Dylan-loving Barack Obama. There was still much work to be done, of course, but now, the 60s counterculture's driving force of wanting to somehow "shake up" society has led to millions voting Leave or voting Trump.

    If equality of all hues is to be defended, I can't help thinking there needs to be a re-evaluation of how cultural needs and desires are served as much as political and economic ones. Meanwhile the most rightward of the right surge on. Apparently it took the looming threat of a third world war and nuclear annihilation in the 1950sand 60s to kick off a cultural revolution – at least we're looking in good shape for that.”

     angloeuropean

     nickcamamail

     St Valentin 2017 ENG aude

     
       

    Forward this Flyer to friends and anyone else you know who may find it useful

    61specto


    Are you thinking of selling your UK property or have you sold one recently?


    I decided on the topic for this month’s article after having had a couple of very similar conversations recently with expats relating to the sale of property in the UK. In each case they were badly let down by their UK Solicitors who failed to inform them of a change in UK legislation that was introduced in April 2015. As a result, they received unexpected and not insignificant late payment penalties from HMRC for failure to complete a form following the sale of their UK property which could have been avoided if they had been made aware of this change in the law.

    Recap of the new legislation

    Prior to 6th April 2015 overseas investors and British expats were not required to pay Capital Gains Tax (CGT) on the sale of residential property in the UK, providing that they had been non-resident for 5 years. New legislation was introduced on 6th April 2015 that removed this tax benefit.

    The rate of CGT for non-residents on disposals of residential property is the same as UK residents and depends on the amount of taxable UK income the individual has i.e. 18% for basic rate band and 28% above it, and it is only the gain made since the 6th April 2015 that is subject to CGT for non-UK residents.

    Reporting the gain
    When you sell your property, you need to fill out a Non-Resident Capital Gains Tax (NRCGT) return online and inform HMRC within 30 days of completing the sale, regardless of whether you’ve made a profit or not. This applies whether or not you currently file UK tax returns. You can find the form and more information on the HMRC website at hmrc.gov.uk

    Paying the tax
    If you have a requirement to complete a UK tax return then payment of any CGT liability can be made within normal self-assessment deadlines. However those who do not ordinarily file a UK tax return will be required to pay the liability within 30 days of completion. Once you have submitted the form notifying HMRC that the disposal has taken place, a reference number will be issued in order to make payment.

    As a French resident you also have to declare any gain to the French tax authority. The Double Taxation Treaty between the UK and France means that you will not be taxed twice on the same gain, as you will be given a tax credit for any UK CGT paid (limited to the amount of French CGT). The French CGT rate is 19% and any taxable gain is reduced by taper-relief over 22 years of ownership. You will also be liable to French Social Charges on the gain, at the rate of 15.5%, and the gain for this purpose is tapered over 30 years (rather than 22 years).

    At Spectrum we do not consider ourselves to be Tax Experts and we strongly recommend that you seek professional advice from your Accountant or a Notaire in this regard.

    There is little that can be done to mitigate the French tax liability on the sale of property that is not your principal residence. So it is important to shelter the sale proceeds and other financial assets wherever possible to avoid future unnecessary taxes. One easy way to do this is by investing in a life assurance policy, which in France is known as a Contrat d’Assurance Vie, and is the favoured vehicle used by millions of French investors. Whilst funds remain within the policy they grow free of Income Tax and Capital Gains Tax. In addition, this type of investment is highly efficient for Inheritance planning as it is considered to be outside of your standard estate for inheritance purposes, and you are free to name whoever and as many beneficiaries as you wish. There are very generous allowances for beneficiaries of contracts for amounts invested before the age of 70. Spectrum will typically use international Assurance Vie policies that fully comply with French rules and are treated in the same way as French policies by the fiscal authorities.

    International Assurance Vie policies are proving highly popular in light of Loi Sapin II, which has now been enacted into law. More details about the possible detrimental effects of the ‘Sapin Law’ on French Assurance Vie contracts, in certain situations, can be found on our website at http://www.spectrum-ifa.com/fonds-en-euros-assurances-vie-policies/. Thus, when also faced with the prospect of very low investments returns on Fonds en Euros – in which the majority of monies in French Assurance Vie contracts are invested – it is very prudent to consider the alternative of an international Assurance Vie contract, particularly as you would still benefit from all the same personal tax and inheritance advantages that apply to French contracts.

    For more information and a confidential financial review please contact me via email at sue.regan@spectrum-ifa.com or by phone on 04 67 24 90 95. I hope 2017 will be a Happy, Healthy and Prosperous year for you all!

    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
    http://www.spectrum-ifa.com/spectrum-ifa-client-charter/.

    spectnewfoot

    Email: helplinecsfsud@gmail.com;  Website: www.cancersupportfrance.info

    Forum: http://csf.forum.org      Local Association No : W112000594

    Le Flyer est disponible dans d'autres langues via le site web, audeflyer.com

     

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    TECH TALK

    The Many Types of USB

    usb types

    What Is USB-C?

    USB-C is the emerging industry-standard connector for transmitting both data and power. The USB-C connector was developed by more than 700 companies, including Apple, Dell, HP, Intel, Microsoft, and Samsung. Many new phone, tablets and laptops are now coming with USB-C connectors.

    Is It Like Micro USB?

    The USB-C connector looks similar to a micro USB connector at first glance (the sort of connector you use to charge your phone), but it's slightly thicker, the USB-C connector has no up or down orientation. As long as the connector is lined up properly, you don't have to flip the connector to plug it in. The cables also have the same connector on both ends, so you don't have to figure out which end to plug in. MUCH EASIER!

    Using Adapters and Cables

    USB-C is electrically compatible with older USB 2.0/3.0 ports, and, is completely compatible with USB 3.1 ports. But because of the new style of port, adapters or converter cables are required if you want to connect anything that doesn't have the small, oval-shaped USB-C plug. Many new laptops now use USC type C cables to charge so no more custom chargers or fiddly little custom plugs.

    Do You Need USB-C?

    The presence (or absence) of a USB-C port shouldn't affect your buying decisions. If you buy an ultrathin system, like the new MacBook Pro, the ZenBook 3, or the HP Spectre, it will almost certainly have a USB-C port, which will catapult you into the ecosystem automatically. If you're more of a lover of desktops, it's increasingly likely you'll find the ports there, too; we've already begun seeing them on some high-end motherboards. Apple has opened the floodgates, it's only a matter of time until you see devices everywhere that use it. In a few years, USB ports using the old Type-A style connector will be much harder to find—and who'll want to put up with their sluggish speeds at that point, anyway?

    USB 1.0 from 1996, 1.5 mega bits per second

    USB 2.0 from 2000, 480 mega bits per second

    USB 3.0 from 2008, 5000 mega bits per second

    USB 3.1/ USB-C from 2013, 10000 mega bits per second, USB-C truly is one port to rule them all.

    With USB 3.1 is also possible to connect screens, and other very high data/speed devices mean less connector are needed and hopefully over time less cables.

    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.

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    Reinstate Brian Matthew as Presenter of Sounds Of The Sixties?

     

    readers write

    Dear  Steve

    Just a little warning on the Scam phone calls doing the rounds YET again.

    Call is a recorded message that gives a number to phone to pick/Collect/ deliver  your parcel  ( the one that doesn’t exist )

    It’s a premium Number and cost you a fortune to use

    Best course of action do not answer Ever

    0184204902          call 1

    0184175509          call 2 about 15 mins later

    Information

    Colis logistic"... pour vous informer que vous avez un colis en attente de livraison... rappeler un numéro surtaxé.
    Bande d’escrocs ! Mais que fait Bloctel ?

    Parcel logistic '... to inform you that you have a parcel awaiting delivery... recall a surtaxes number.

    Band of scammers! But what is Bloctel doing?

    Information from a very helpful site that checks phone numbers in France.

    http://fr.unknownphone.com/

    regards

    Jack

    Dear Steve,

    Although not a permanent resident of France, we do spend a great deal of time there and we have friends who are residents and have been for many years. There is an understandable concern about the uncertainty regarding the status which will be accorded to ex-patriot British citizens who are currently residing in France. I was at a social gathering last week and got talking to our local MP, Damien Green, who is currently a minister in the present government. I mentioned this concern and the fact that it was uncertainty that was the main cause. He said there are no pronouncement on many subjects, simply because there is nothing to announce. A unilateral statement from the EU or the UK regarding a position on anything is unlikely at present He also suggested to me that the official position was there should be no change in the status already enjoyed by British citizens resident within the EU and the same applies to EU citizens resident within the UK, working or not. In other words he does not see a situation where this is used as a bargaining tool during any negotiations between the EU and the UK. He though the likelihood of any 'tit for tat' retaliative action on either side was extremely remote and would be considered childish by any right thinking organisation. For what it is worth I took some encouragement from his words and it does seem like a sensible approach to expect that ordinary people should not have their lives unduly disrupted. I thought I would share that with your readers.

    Regards

    Stuart

    Seems as though Britain is STILL pissed about 1781 and 1814.    Amazing that and American President who is staunchly American and pro-Constitution, rather that anti-American closet muslim and has almost destroyed the U. S. economy, is vilified within 2 seconds of taking office.  The media in the U. S. is patently left wing socialist, as it is in England.  I would think that it might be a propos to give the man his first 100 days.  Further, your cartoon is patently offensive to all Americans except California and New York state.  I haven't noticed any massive exodus or round up of any group of people who disagree with the current administration.  There has not been a massive shadow cast on the U. S, by anyone or anything except the socialist media and it's supporters.  The very things they criticize are the very things the left wing is perpetrating - intolerance and hatred toward those with whom they do not agree.  It is apparent that you are among them as the content of your "newsletter" contains an extremely biased view.  The U. S. is not Britain, and decisively indicated that twice, nor does the U. S. wish to become part of Europe.   God forbid that the U. S. should be strong enough to stand alone.  Then it could fall with the rest of Europe when another conflict arises.

    I will defend to the death your right to say it...but, not to do it,

    Mike

    Hi!!!

    Many commentators are making a great deal of noise regarding Pres. D. Trump being elected to office. One should remember that Adolf Hitler was elected.

    Regards Alan... Aude

    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

    vide

    Samedi 18 Février

    Coursan  Vide grenier Route de Cuxac

    Dimanche 19 Février

    Carcassonne Vide grenier brocante

    Coursan  Vide grenier Route de Cuxac

    Narbonne  Vide grenier

    Pamiers  Vide grenier brocante

    Saint-Girons  Vide grenier

    Saverdun  Vide grenier marché aux puces et divers

    Varilhes  Vide grenier sur D624

    Samedi 25 Février

    Coursan  Vide grenier Route de Cuxac

    Dimanche 26 Février

    Carcassonne Vide grenier brocante

    Coursan  Vide grenier Route de Cuxac

    Pamiers  Vide grenier brocante

    Varilhes  Vide grenier sur D624

     
       
     

     

       

    desire

     notold

     

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    What's On 

    TEENAGE FANCLUB 20 Feb Le Letronum Toulouse

    CELTIC LEGENDS 28 MARCH Zenith Toulouse

    SUICIDAL TENDENCIES 11 April Bikini Toulouse

    TOOTS AND THE MAYTALS 28 April Bikini Toulouse

    PLACEBO  24 April Zenith Toulouse

    SIMPLE MINDS 29 April Halle Aux Grains Toulouse

    XAVIER RUDD 18 June Bikini Toulouse

    CARO EMERALD, DEE DEE BRIDGEWATER 6 July Cognac Blues Passions

    BEJART BALLET 9 July Carcassonne Festival

    PIXIES 27 July Carcassonne Festival

     

     

    leshoriaire

     

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    Email your text, pictures and contact information to mail@audeflyer.com

  • Flyer 15 Febraury 2017


    Aude and Ariege Flyer 15 Febraury

    header 24217 

    Bonjour

    Tony Blair went on record suggesting that people may want to think again about their position on whether to quit Europe or stay, but he doesn’t seem to tell people what to do?

    Vitaly Churkin’s death seems to have passed without incident or discussion, he was the Russian Ambassador to the UN. He apparently died from heart failure whilst at work, the medical examiner’s office in New York stated the cause of death needs further study…...no doubt just because he was a child star.

    Churkin Lenin

    Vitaly Churkin as Kolya Yemelyanov and Mikhail Kuznetsov as Vladimir Lenin in the 1963 Soviet film Sinyaya Tetrad

    Steve

      

    Thousands of regular readers make the Flyer the place to be seen

    Lost in France

    farm house  Lost in France is not written by Steve and he is not responsible for my views and comments.

    I have a friend who has been trying to sell his house, a farm house with loads of land and a great aspect, in the Haute Garonne and sort of within commuting distance from Toulouse.  He’s been trying to sell it, on and off, for about four years.  On and off as he is not always in France but works in UK and Europe.

    He has been with a local French agent who after showing a couple of people the property, really couldn’t be bothered to show anyone else if he wouldn’t reduce his price requirement.  Not a lot at the time as it was marketed at €150,000.  This could be because the agent was trying to sell only to local people.

    He knows no one French would be interested in buying an old house needing renovation.  So I suggested he try Green Acres website.  This he did this after a tortuous couple of days getting him to write a description and add a substantial amount of photos and last but not least paying the annual fee.

    He has since had a constant stream of people of all nationalities wanting to see his property.  He states on his description that there is a lot of renovation work to do.  It will need to have a new roof, new electrics and plumbing for the house, new roof, building floors and walls for the barns, but it seems people are still put off by the amount of work.  Has anyone else had trouble selling their house in France, especially when the house needs a lot of work?  Did they eventually sell and how did they market it?  Does anyone know of any websites selling property that aims directly at people looking for this type of challenge?  There is also enough land to be self-sufficient.  Asking for a friend…..honest.

     angloeuropean

     nickcamamail

     charity ball 2017 Aude

     

     polo bere

    bere dish 

    Advert 19.02.2017

    Forward this Flyer to friends and anyone else you know who may find it useful

    61specto

    Beware the Taxman Cometh

    January 2016 saw the rolling out of a system for exchanging financial information between participating countries. This system, developed by the Organisation for Economic Co-operation and Development (OECD), and known as Common Reporting Standards involves HMRC (in the UK) providing the financial information of non-UK residents with the relevant tax authority in the country of residence.

    Although the impact of this was not expected to be seen until September 2017, it would appear your local taxman is receiving your information as you read this.

    A couple of weeks ago, I received a request from a prospective new client asking for advice regarding their stocks and shares Individual Savings Accounts held in the UK. As you may know, it is still possible to hold existing ISA’s even after becoming non-resident. What you may not know is that the tax advantages in UK do not apply in France; so income taken from an ISA account, although tax-free in UK is taxable in France. Within an ISA, under UK rules, capital gains tax doesn’t apply to realized gains made, either on the sale and cashing-in of the ISA, or by the switching of the funds within the ISA account. Unfortunately, in France, such transactions do attract a capital gains tax liability.

    This is what has caught out these prospective clients. It seems their UK Independent Financial Adviser had carried out fund switches in 2014, and this information has now found its way to their seemingly very nice female tax officer, who has written to this couple with a list of investment fund switches, asking for details of book price, sale price and length of time held.
    These particular clients, not unusually, have held these ISA’s from before they became ISA’s, in other words from Personal Equity Plans (PEPS).

    The tax officer can trawl back to the very beginning in order to gather information, so if you have ISA’s, you might like to dig out that shoe-box containing all your statements, and dust it down in preparation!

    This seemingly very nice tax lady has the power to go back 5 years in order to claim capital gains tax on all switches made during that time; needless to say, cashing in your ISA’s will also trigger a CGT assessment in France. So, what are the alternatives?

    You can keep your ISA’s for evermore, not making any fund switches, at least not those that would realize a gain, anyway. This may suit some investors, but for the majority who look for active investment management, finding yourself invested in poorly-performing funds would, I suggest, irritate.

    The alternative is to ‘bite the bullet’, cash in part or all of the ISA account, and reinvest the proceeds in an Assurance Vie contract, where there is no liability to capital gains tax on gains made within the contract. This will allow active investment management without it resulting in a tax bill every time a fund is changed.

    The personal financial landscape has changed permanently, people hiding assets ‘offshore’ will be found out as will people failing to declare UK assets. The longer you hold on to seemingly tax-efficient investments like ISA’s, the greater the potential capital gain will be, and the greater the tax bill will be in France.

    In France, the assurance vie is the go-to alternative investment, especially in view of its advantageous tax benefits. Investors therefore have to weigh up the cost of getting out of ISA’s with the future advantages of the assurance vie. And I haven’t even mentioned the Inheritance Tax advantages of the assurance vie, yet….

    If you would like to find out more about our French compliant assurances vie, or would like specific advice on your own circumstances, then please contact me direct on the number below. You can also contact me by email at derek.winsland@spectrum-ifa.com or call our office in Limoux to make an appointment. Alternatively, I conduct a drop-in clinic most Fridays (holidays excepting), when you can pop in to speak to me. Our office telephone number is 04 68 31 14 10

    .

    I look forward to seeing you soon.

    Derek Winsland
    Chartered Financial Planner
    Mobile: 0771 71 95 52 

    spectnewfoot

    Email: helplinecsfsud@gmail.com;  Website: www.cancersupportfrance.info

    Forum: http://csf.forum.org      Local Association No : W112000594

    Le Flyer est disponible dans d'autres langues via le site web, audeflyer.com

     

     20161123 120818 001

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    Reinstate Brian Matthew as Presenter of Sounds Of The Sixties?

     

    readers write

    Hi, Steve.

    "Fake News" and "Alternative Facts" are very much in fashion.

    Your correspondent, Alan (Flyer - curiously - dated 1 February), is not alone in his misconception "that Adolf Hitler was elected" to office.  He wasn't elected.  He was appointed Chancellor in January 1933 by President Hindenburg, in a futile attempt by the political establishment to curb his power.

    Hitler and the NSDAP never won a controlling majority in a national election worthy of the name.  In two federal elections and a presidential election in 1932, they fell well short.  Even in the March 1933 federal election, after the Reichstag fire, they failed to win an overall majority.  Shortly after this, all other political parties were abolished, so Hitler & co had an open goal in the November 1933 "election".  Little surprise that they "won" 100% of Reichstag seats.

    Cheers

    Bill Pringle

    Dear Steve,

    Your correspondent Alan...Aude appears to be under the misapprehension that Adolf Hitler was democratically elected. The Nazi party at it's zenith in July 1932  received 37% of the popular vote  which gave them 230 out of 608 seats in the Reichstag. Hitler was appointed Chancellor by the German President, Hindenburg (a first world war Field Marshall who was by now senile) who invoked article 48 of the constitution which granted dictatorial powers to the President in times of national emergency.

    Ross Worthington, Ariège

    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

    vide

    Samedi 25 Février

     

    Coursan  Vide grenier Route de Cuxac

     

    Dimanche 26 Février

    Carcassonne Vide grenier brocante

    Coursan  Vide grenier Route de Cuxac

    Narbonne  Vide grenier et bourse vêtements

    La Palme  Vide dressing

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    Samedi 4 Mars

     

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    Limoux Vide grenier

    Saverdun  Vide grenier marché aux puces

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    Bram  Vide grenier

    Carcassonne  Vide grenier brocante

    Caunes-Minervois  Vide grenier

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    Escales  Vide dressing

    Limoux  Brocante mensuelle

    Narbonne  Hyper vide grenier

    Narbonne  Vide grenier et bourse vêtements

    Narbonne  Vide grenier Cap de Pla

    Palaja  Vide dressing

    Salles-d’Aude  Vide grenier du Tennis de Table

    Mazeres  Vide grenier mensuel

    Pamiers  Vide grenier brocante

    Saint-Lizier  Marché aux puces

    Saverdun  Vide ta Chambre Printanier

    Samedi 11 Mars

    Coursan  Vide grenier Route de Cuxac

    Dimanche 12 Mars

    Carcassonne  Vide grenier brocante

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    Coursan  Vide grenier de Coursan Information Tourisme

    Fleury d’aude  Vide grenier

    Narbonne  Vide grenier et bourse vêtements

    Ornaisons  Vide grenier Ornaisons-Nature

    Plavilla  Vide grenier

    Pamiers  Vide grenier brocante

    Samedi 18 Mars

    Coursan  Vide grenier Route de Cuxac

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    Dimanche 19 Mars

    Carcassonne  Vide grenier brocante

    Coursan  Vide grenier Route de Cuxac

    Montlaur  Vide grenier Foyer Municipal

    Narbonne  Vide grenier et bourse vêtements

    Narbonne  Vide grenier

    Sainte-Eulalie  Vide dressing et vide maison

    Pamiers  Vide grenier brocante

    Saint-Girons  Les puces du champ de mars

       
     

     

       

     Pomas concert 03Mar2017

     demensefly

     

    elsknockstage

     

    What's On 

    TEENAGE FANCLUB 20 Feb Le Letronum Toulouse

    CELTIC LEGENDS 28 MARCH Zenith Toulouse

    SUICIDAL TENDENCIES 11 April Bikini Toulouse

    TOOTS AND THE MAYTALS 28 April Bikini Toulouse

    PLACEBO  24 April Zenith Toulouse

    SIMPLE MINDS 29 April Halle Aux Grains Toulouse

    XAVIER RUDD 18 June Bikini Toulouse

    CARO EMERALD, DEE DEE BRIDGEWATER 6 July Cognac Blues Passions

    BEJART BALLET 9 July Carcassonne Festival

    PIXIES 27 July Carcassonne Festival

     

     

    leshoriaire

     

    ADVERTISING RATES 
    The following prices are for one insertion in the Flyer email news letter unless otherwise stated

         

    Give away items

    FREE

    1 image and 25 words, plus contact details

    All items for sale inc Motor vehicles, boats, caravans & trailers

    25 €

    1 image and 25 words, plus contact details in 3 editions

         

    Property for sale - land, houses, businesses

    50 €

    up to 8 images and 500 words, plus contact details - your own property web page linked to the "Property Page" section of the Flyer for 13 editions

    Large Display Advert - Corporate

    100€

    Finished artwork to be 756 pixels by 200 pixels landscape or 378 pixels by 400 pixels portrait

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  • Flyer 15 march 2017

    Aude and Ariege Flyer 15 March

     header15317

    Bonjour

    I have no exact idea what I could and couldn’t do if I became Prime Minister of UK, but I don’t think I would get up and say yes I can change this and that overnight. 

    So why does President Trump think it’s any different in America?  More a case of I will huff and puff and blow your legislation down?  It’s worked well so far with the introduction of Trumpdontcare.   Maybe he will walk away, saying it’s his ball and no one else can play with it?  There could be, as some would say, the rest of the term in office for him to just deal with feathering his nest?    But that couldn’t possibly happen…..

    It’s funny that once upon a time the man who stood outside a concert/theatre offering to buy and sell tickets all those years ago was the somewhat threatening ticket-tout.  Now it seems like he was an honest man of toil compared to his bot successors.

    tout

    A new pound comes in looking like a threepenny bit.  That could be about the value of the new pound in relation to the old coin.

    I hope you are girding your loins for Toques, just remember no back-packs allowed for obvious reasons, just cords round necks with lots of tokens.

     

    OH and if you are concerned about your Hot Cross Buns young Hannes the King Of Organic baking is producing them  again this year and they will be available at the Fournil de Luc, at Luc sur aude or to order in all on to good biocoops of of departments 11, 66 and 34.

    hotxbuns15

     

     

    Steve

      

    Thousands of regular readers make the Flyer the place to be seen

     

     

    Lost in France

     

    To the person who queried that the hyperlinks on my last article didn’t work, I found the original article and there were what appeared to be hyperlinks but when I clicked on them they just linked to another picture of the same map.

     

    Lingelbach Karneval in Rom 001cLimoux Carnival took a turn towards the nasty for a friend of mine last month when she attended one of the events held in the square one Sunday.  Just as an aside my friend is half French, is fluent in the language and having spent most of her childhood visiting the region understands the carnival and its traditions.  She is aware of the irreverence and the satirical aspects.  She is also about 5’2” and slight.

     

    She was standing quietly with her cousin and her dog close to the ‘excitement’ when she was approached by one of the performers.  First the woman (she thinks it was a woman) dressed in a silver costume and the ubiquitous masque seemed to take umbrage at the closeness of my friend to the parade.  First the performer pushed against her as if pushing her back into the crowd, but she couldn’t move as she was hemmed in by the crowd.  The performer then backed into her pushing her rear end heavily into her and trying to push her that way.  My friend was starting to get anxious as the crowd behind were pushing and unfortunately her dog was becoming frightened.  The woman then leaned into her aggressively with her

     

     

    masque face pushed close into my friend’s face, and finally she pulled my friend towards her, grasped the neck of her jacket and rammed a handful of confetti into her chest.  As far as I can see it was virtually an assault and there was nothing humorous or satirical about it and certainly not very entertaining.

     

    And by the way, there is now a mask or carnival museum in Limoux but as is usual it is not well advertised so until I speak to my friend (above), I can’t tell you where it is yet.

      

     angloeuropean

     nickcamamail

       
     

    bere dish 

     

    Forward this Flyer to friends and anyone else you know who may find it useful

    61specto

     

    When is a guarantee not a guarantee?

     

    On 20th February, the government issued its eagerly awaited Green Paper on reforming defined benefit occupational pensions, more commonly known as final salary pension schemes. This consultation document invites opinion from the pensions industry for giving the government powers to re-structure the benefits payable from such schemes in instances where the employer (and its pension scheme) are in financial difficulty.

     

    For re-structure, read ‘water down’, as what the government proposes is that the scheme, with tacit government approval, can change the terms by which pensions are paid out to its pensioners.

     

    The catalyst for this green paper is the situation surrounding Tata/British Steel, where the sticking point for any sale hinged on the deficit in the British Steel Pension Scheme. This deficit has been variously reported as between £300m and £700m and under current rules, any buyer would have to take on responsibility for addressing this shortfall. Negotiations between the trustees of The British Steel Pension Scheme, Tata and the government has resulted in the trustees amending the way pensions in payment are increased annually from Retail Price Index (RPI) to the lesser Consumer Prices Index. Experts believe this will save the pension scheme, on average £20,000 per member.

     

    Fast forward to 20th February and the government now believes this would be beneficial for ALL schemes suffering from deficiencies in its funding to be able to water-down its benefits. But is this all bad news?

     

    In the case of Tata/British Steel, the alternative was for The British Steel Pension Scheme, with £14 billion of assets, to enter the pension industry’s ‘safety net’ the Pension Protection Fund. If a scheme enters the PPF, its pensioners are guaranteed 100% of their pension

     

     

    entitlement up to a ceiling of £37,420 (at age 65), but with annual increases limited to 2.5% pa. For those members yet to reach pension age, they are entitled to 90% of their pension.

    The Tata deal gives its pension members better benefits than they would receive in PPF, and so received the approval of government and the unions.

     

    The deal that Sir Philip Green struck with the Pensions Regulator for the BHS Scheme is structured along the same lines – the £363m that he ‘deposited’ alongside the BHS Scheme, which has entered PPF, will allow for the BHS pensioners to receive better benefits than would otherwise have been paid from the PPF. I say ‘deposited’, because it is a one-off, no-strings attached, contribution by this Knight of the Realm, to keep the Pensions Regulator happy, whilst preserving the number of yachts in his possession.

     

    And the BHS deal adds to the uncertainty defined benefit pension scheme members must be feeling right now. Sir Philip’s ‘deposit’ has been labeled, within the industry, as a Zombie Pension Fund. In essence, it allows employers to deposit a chunk of money in a pot, separate to its pension fund, that will be called on to sweeten the pill if the scheme then enters PPF.

     

    But why would an employer do this? Because a move such as Sir Philip Green’s puts a cap on the employer’s liabilities. If an employer can strike a deal where it can walk away from its continuing responsibilities to its pension scheme members, then it’s going to be attractive. We’re all going to hear a lot more about ‘sustainability’ of pension funds, with its open-ended responsibility and liabilities falling on the employer. This green paper is, I fear, going to open the flood-gates to more deals being struck by employers with their pension scheme trustees.

     

    I may be wrong but I suspect Mergers and Acquisitions activity could reach unprecedented levels if the government gives the nod to these pension changes.

     

    If you have preserved pension benefits held in a defined benefits pension scheme and would like to find out more about your pension entitlement and its funding position, then please contact me direct on the number below. You can also contact me by email at derek.winsland@spectrum-ifa.com or call our office in Limoux to make an appointment. Alternatively, I conduct a drop-in clinic most Fridays (holidays excepting), when you can pop in to speak to me. Our office telephone number is 04 68 31 14 10.

     

    I look forward to seeing you soon.

    Derek Winsland
    Chartered Financial Planner
    Mobile: 0771 71 95 52

    spectnewfoot

    Email: helplinecsfsud@gmail.com;  Website: www.cancersupportfrance.info

    Forum: http://csf.forum.org      Local Association No : W112000594

    Le Flyer est disponible dans d'autres langues via le site web, audeflyer.com

     
     

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    What You Need to Know About Pensions Today

    By Thomas Marron

    06 14 24 61 29

    thomas.marron@blevinsfranks.com

    Pensions are complex, yet often the cornerstone of a comfortable retirement. Today, with Brexit looming and more options than ever for what you can do with your funds, it is difficult to establish the best approach – there is no ‘one size fits all’ solution.

    Here, we take a look at current pension issues that could affect you. While there may be some cause for concern, expatriates could find opportunities ahead.

     

    Pension providers are feeling the pinch

    Around 15 million Britons have ‘final salary’ company pensions, where an employer guarantees to pay a fixed amount for the whole of retirement. Widely considered ‘golden’ pensions, the income provided depends on salary and length of service, but is usually quite generous.

    The biggest issue facing these pensions is how they are financed. The cost of providing them has soared as returns from the assets underpinning them – mostly UK bonds – have shrunk. With historically low interest rates and increased life expectancy, many companies face significant shortfalls in funding payments promised to members. Like BHS, with its £571 million pension deficit, companies with insurmountable deficits can fail alongside their pension schemes.

     

    Transfer values are at an all-time high

    To offload pension liabilities, many companies are offering members large cash sums to leave. Calculated as a multiple of a member’s future pension payment, it is not unknown for pay-outs to double from 20x two years ago to 40x since the Brexit vote. In an extreme example, if you had a final salary of £30,000 per year, you may have been offered £600,000 two years ago – but £1.2 million today.

    Although this example is unusual, even more modest sums could provide a retirement income that well exceeds the original annual payment. Today’s unusually high transfer values can outweigh the benefits of drawing a guaranteed pension for life, but professional advice is essential.

     

    Expatriates can access tax-efficient opportunities

    Many expatriates in France benefit from reinvesting their UK pension funds into a tax-efficient ‘assurance-vie’. Alternatively, you could transfer to a Qualifying Recognised Overseas Pension Scheme (QROPS) to unlock French-compliant tax benefits. This can also offer protection from UK inheritance tax and estate planning advantages. While most final salary pensions are payable to your spouse on death, QROPS and other arrangements offer the flexibility to include additional heirs and roll your wealth across generations.

    These options can be advantageous, but tax benefits vary greatly between providers and jurisdictions. Also, the UK government has just introduced a 25% tax on overseas transfers to QROPS in certain circumstances. This charge will not affect you if both you and your QROPS are in the European Economic Area (EEA) or are both based in the same country outside the EEA. It is important to take professional,regulated advice to determine if this approach is suitable for you, navigate your options and avoid pension scams.

     

    Advice is essential before transferring

    As tempting as inflated pay-outs are, transferring from a final salary pension comes with risks and many members are better off staying where they are. An adviser can help you weigh up the advantages, disadvantages and long-term implications. For benefits worth over £30,000, the Financial Conduct Authority makes it compulsory to take regulated financial advice before transferring.

    You should at least confirm your current transfer value and check if your scheme is at risk. The government’s Pension Protection Fund offers some protection but only compensates up to £33,678 a year at age 65, so if your pension offers more and your scheme is vulnerable, consider transferring.

     

    A lower pension allowance could catch you out

    If your total UK pension savings (excluding the State Pension) are close to £1 million, you could breach the UK lifetime pension allowance. Anything you access over the limit is liable to 55% UK taxation when taken as a lump sum or 25% as income, even if you are resident in France.

    Calculating your lifetime allowance is complex and you could go over without realising it, for example through investment growth.Those close to or over the limit should consider HMRC ‘protection’ options or transferring to a QROPS before attracting further tax penalties. Once in a QROPS, funds are out of reach of lifetime allowance charges.

     

    The window of opportunity may be limited

    If you decide transferring is right for you, now may be the time to act. Some speculate that the UK government may change the rules to make withdrawals more difficult, or introduce extra taxation on pension transfers for non-residents post-Brexit.Consider what could work for you now, under current rules, before the window closes.

    With so muchuncertainty ahead, there has never been a better time to review your pension arrangements. Take personalised, professional advice to establish what makes financial sensefor your individual circumstancesand objectives. A locally-based adviser can keep you up-to-date with any developments that may affect you as an expatriateso you can enjoy the retirement lifestyle you want in France.

    Tax rates, scope and reliefs may change. Any statements concerning taxation are based upon our understanding of current taxation laws and practices which are subject to change. Tax information has been summarised; an individual is advised to seek personalised advice.

    Blevins Franks Financial Seminar

     

     

     

    Brexit – Managing the uncertainty

    Our seminar presentation examines some of the ongoing issues facing expatriates in France and those thinking of moving here.

    • Pensions (including QROPS)
    • Healthcare
    • Estate planning
    • Investments
    • Tax planning

    While we cannot predict the future, we will discuss some of the possibilities and advise you how to ensure your affairs are set up for France, not the UK.

    When it comes to pensions, we look at what has been happening recently as well as the options and considerations for taking your pension in France.

    Book your place now by phone, email or from our websitewww.blevinsfranks.com

     

    • Monday 3rd April, 10.30am

    Grand Hôtel Les Flamants Roses

    CANET-EN-ROUSSILLON

    Click here to book online

    Tuesday 4th April, 10.30am

    Mas Tolosa

    PLAISANCE-DU-TOUCH

    Click here to book online

    06 14 24 61 29       thomas.marron@blevinsfranks.com







    e61574d1f87253423634e5f0b6a7bbd9 w349

    Hello everyone,

    I hope you are all enjoying this lovely March weather, what great weather to be out in the garden!  Here are few bits of news and information about upcoming events.

    * Open Jardins/ Gardens Ouvertes is a scheme that was set up in France just a few years ago with the aim of opening gardens to raise monies for charity - rather like the Yellow Book scheme in Britain.  They are keen to expand into the Occitanie region and we have agreed to open the garden here on Sunday 21st May, Sunday 25th June and Sunday 24th September (10 to 18h each day) as part of the scheme so for those of you who would like to visit the garden here occasionally we shall hope to see you.  You can see more about the scheme at  http://www.opengardens.eu/ , they are keen for more gardens to be involved so if you think you and your garden could be part of this you can contact Catriona McLean <catriona@catrionamclean.com>; who is the lead Co-ordinator for our region.

    * Sunday June 4th 2017 - we shall be holding a day in the garden here as an awareness and fundraising day for Languedoc Solidarité avec le Réfugies (http://languedocsolidarite.com/refugies/), this will partly replace the open weekends that we have held in the past and will include garden tours and other garden related acivities, La Table d'Emilie will be organising the food as always and there will be a range of activities on a garden fete theme....  come and try Sjoelbak, Jenga, Splat the Rat and many other garden games and fun activities....  more info nearer the time but please put the event in your diaries.  We are still looking for one or two more people to become involved to organise and staff individual activities so if you would like to help please get in touch.

    * last autumn we ran a gardening course - Aromatics for Languedoc gardens which was well received and a number of people have asked me to repeat it so we will be offering the Aromatics course again on Wednesday 10th May (10am to 4pm), as before this  course  is for gardeners and foodies alike.  We will consider a range of over forty common and more unusual aromatics (herbs and spices) which we can grow in our gardens.  We’ll look at how to identify plants, how to propagate and grow them, how to harvest and use them as well as thinking about how to incorporate aromatics in ornamental gardens and using them as companion plants. The course fee will be 50€ and as usual we will provide teas & coffees and ask you to bring a packed lunch.  For more info contact Gill@lapetitepepiniere.com

    * Imogen and Kate have been working very hard on their new garden and nursery next door - Le Jardin Champetre - and it is really looking good, they are open every Saturday from 10 to 5pm or by appointment so do come and see it.  They are also taking part in the Open Jardins scheme and will also be offering a number of events throughout the year, more information on the attached leaflet.  You can contact them at <katejdumbleton@gmail.com>; or  <ichecketts41@gmail.com>;

    As ever, for general gardening queries please don't hesitate to get in touch,  enjoy your gardens and we hope to see some of you during 2017.

    Regards,

    Gill

    Gill Pound

    BTP long banner700x100

     

    readers write

     

    Hi, Steve.

    [BTW, your printing press still seems to be working on a different calendar.  Last issue dated 1 March, received 8 March.  Maybe your hosting issues  ???]


    Hitler Elected?

    I persist not (only) for the sake of pedantry, far less because I want to put anyone down, but because I have serious concerns about fake news, false facts, etc.  Someone says something on whatever medium, people read it, some of them believe it and then . . .  Seriously, sometimes people die as a result.  The Nazis famously used propaganda to great and devastating advantage.


    Alan (Aude) has moved from misinformation to talking (or writing) fanciful nonsense.  Sorry if that offends but Alan's assertions are far removed from fact.

    Hitler was NEVER elected to ANY public or party office, including the Reichstag.  Until February 1932 he was ineligible for election as he wasn't a German citizen.  The Veimar Republic did NOT have a "similar system to our Parliament". Any German citizen, Reichstag member or not, could be appointed Chancellor by the President.  (Hitler's two predecessors as Chancellor were never Reichstag members.  Until Hitler got to work, a German Chancellor had little power, acting more as a chairman.)

    Anyone who has doubts about these facts should check reliable, acknowledged sources such as Walter Shirer and Alan (Lord) Bullock . Both wrote exhaustively on the Third Reich.  Or they could simply check Wikipedia (with the usual caveats!)

    John Fielden

    Any connection to Todmorden and/or Iraq?

    Cheers!

     

    A pity that your charts re European languages can't be opened.  I (and some French friends) have an interest - we discuss the topic often.

    Chris Jay.



    Bill Pringle

    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

    vide

    Samedi 1 Avril

    Coursan  Vide grenier Route de Cuxac

    Saverdun Vide grenier, marché aux puces

    Dimanche 2 Avril

    Arzens  Vide grenier

    Carcassonne Vide grenier brocante

    Coursan  Vide grenier Route de Cuxac

    Cuxac-d’Aude  Vide grenier

    Fabrezan  Vide grenier

    Fleury  Vide grenier

    Homps  Vide grenier

    Lavalette  Grand vide grenier de printemps

    Limoux  Brocante

    Mirepeisset  Vide grenier

    Montréal  Vide grenier

    Narbonne  Vide grenier

    Narbonne  Vide grenier Cap de Pla

    Rieux-Minervois  Grand vide grenier

    Foix  Vide grenier

    Laroque-d’Olmes  Vide grenier et videécole

    Les Pujols  Vide grenier

    Mazères  Vide grenier

    Pamiers  Vide grenier brocante

    Saint-Lizier  Marché aux puces

    Varilhes Vide grenier brocante sur la D624

    Samedi 8 Avril

    Coursan  Vide grenier Route de Cuxac

    Dimanche 9 Avril

    Azille  Vide grenier

    Bram  Vide grenier extérieur

    Canet  Vide grenier

    Carcassonne  Vide grenier brocante

    Coursan  Vide grenier Route de Cuxac

    Cruscades  Vide grenier

    Gruissan  Vide grenier

    Le Redorte  Vide grenier des rameaux

    Leucate  Vide grenier du rugby

    Montredon-des-Corbières  Vide grenier

    Sainte-Valière  Vide grenier printanier

    Pamiers  Vide grenier brocante

    Varilhes  Vide grenier brocante sur la D624

       
     

     

       

     

     Une soirée avec elvis

    elsknockstage

     

    What's On 

    CELTIC LEGENDS 28 MARCH Zenith Toulouse

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    XAVIER RUDD 18 June Bikini Toulouse

    CARO EMERALD, DEE DEE BRIDGEWATER 6 July Cognac Blues Passions

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  • Flyer 1 march 2017

    Aude and Ariege Flyer 1 March

    header 1317

    Bonjour

    Oh well I will keep it brief today

    Some issues with movement of website host, I am just a tad concerned something will stop working before I get this out to you.

    UK budget seems dull enough and Jeremy Corbyn believes Hammonds measures are “out of touch”

    It’s funny what you find written by  friends on  Facebook, well it amused me

    My local Morrison's supermarket is managed by Jim Morrison. In their vegetable racks, they had a sign saying "You know that it would be untrue, you know that I would be a liar, if I was to say to you that broccoli was not buy one get one free this week." "People are strange, when you're a stranger, and are not taking advantage of our home ware bargains." The Crystal Ship is being filled with some fabulous offers in our baked goods range." "Don't you love her madly as she's stacking the shelves with quality cleaning products. "

    Steve

      

    Thousands of regular readers make the Flyer the place to be seen

    Lost in France

    I know I have lifted this from somewhere else, but if you have not already seen it and are interested in the connections between English and French this is a quick, easy digestible read.

     fizlif4317

    This chart shows the lexical distance — that is, the degree of overall vocabulary divergence — among the major languages of Europe.

    The original research data for the chart comes from K. Tyshchenko (1999),Metatheory of Linguistics. (Published in Ukrainian.)

    The size of each circle represents the number of speakers for that language. Circles of the same color belong to the same language group. All the groups except for Finno-Ugric (in yellow) are in turn members of the Indo-European language family.

    English is a member of the Germanic group (blue) within the Indo-European family. But thanks to 1066, William of Normandy, and all that, about 75% of the modern English vocabulary comes from French and Latin (i.e. the Romance languages, in orange) rather than Germanic sources. As a result, English (a Germanic language) and French (a Romance language) are actually closer to each other in lexical terms than Romanian (a Romance language) and French.

    So why is the English language still considered a Germanic? Two reasons. First, the most frequently used 80% of English words come from Germanic sources, not Latinate sources. Those famous Anglo-Saxon monosyllables live on! Second, the syntax of English, although much simplified from its Old English origins, remains recognizably Germanic. The Norman Conquest added French vocabulary to the language, and through ‘pidginization’ it arguably stripped out some Germanic grammar, but it did not ADD French grammar.

      

     angloeuropean

     nickcamamail

       
     

    bere dish 

     

    Forward this Flyer to friends and anyone else you know who may find it useful

    61specto

    Reasons to Wrap

    It’s no secret that the Assurance Vie (AV) is by far and away the most popular investment vehicle in France..........and for good reason! Most of you will already be familiar with these investments, or at the very least, have heard of them, but it doesn’t harm to be reminded now and again as to why they are so popular.

    What are they? – An AV is simply a life assurance wrapper that holds financial assets, often with a wide choice of investments, and there is no limit on the amount that can be invested. 

    What’s so good about them?.....quite simply, their huge tax advantages, such as:

    Tax-free growth - funds remaining within an AV grow free of French Income and Capital Gains tax 

    Simplified tax return reporting - considerable savings in terms of time and tax adviser fees

    Favourable tax treatment on withdrawals - only the gain element of any amount that you withdraw is liable to tax. There is an additional benefit after eight years in the form of an annual Income tax allowance of €4,600 for an individual and €9,200 for a married couple. 

    Succession tax benefits – AV policies fall outside of your estate for Succession tax and the proceeds can be left directly to any number of beneficiaries of your choice (not just the ones Napoleon thought you should leave them to!). There are very generous allowances available to beneficiaries of contracts taken out before the age of 70. 

    Why invest in an International Assurance Vie? 

    There are a number of insurance companies that have designed French compliant international AV products, aimed specifically at the expatriate market in France. These companies are typically situated in highly regulated financial centres, such as Dublin and Luxembourg. Some of the advantages of the international AV contracts are:

    • The possibility to invest in multiple currencies, including Sterling and Euros. 
    • A large range of investment possibilities available.
    • The majority of international AV policies are portable, which means that should you return to the UK, it will not be necessary to surrender the bond.
    • The documentation for international bonds is available in English.

    At Spectrum, we only recommend products of financially strong institutions and domiciled in highly regulated jurisdictions. If you would like to know more about these extremely tax efficient investments, or would like to have a confidential review of your financial situation, please contact me by phone on 04 67 24 90 95 or by e-mail at  

    sue.regan@spectrum-ifa.com

    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 

    http://www.spectrum-ifa.com/spectrum-ifa-client-charter/ 

    spectnewfoot

    Email: helplinecsfsud@gmail.com;  Website: www.cancersupportfrance.info

    Forum: http://csf.forum.org      Local Association No : W112000594

    Le Flyer est disponible dans d'autres langues via le site web, audeflyer.com

     
     

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    readers write

    Hi!!!

    Yes Hitler was appointed Chancellor from the Reichstag, to which he had been elected. A similar system to our Parliament, from where the Prime Minister is appointed/asked to form a government.

    The American system is more direct and personal, so all those who voted for him have got what they asked for. Pres., D. Trump just lacks the political/diplomatic upbringing for the position he now holds. I would suggest he view for several days recordings of, "Questions for the Prime Minister," to see how to use polite, political & diplomatic words and phrases. He might also learn some sense and that there are places outside and beyond the parish of the U.S.A.

    Regards  Alan... Aude

    About that property for sale, it’s odd how it seems to have escaped the attention of a lot of people, that the « boom » is long past, that to survive, estate agents are having to offer property at realistic prices. People who are selling have to get real. A place such as the one described, is nothing short of a ruin, needing everything doing. Roofs are notoriously expensive for example, and it needs everything else doing as well. The land is nice, sure, but often seen as a lot of work to look after, were there enough for an agricultural status, it’s very interesting, and is indeed a farm. (land is at standard prices, and farms evaluated by the « safer »)If the place is well situated, and detached, has nice views etc, someone will buy it, at a realistic price. Let’s face it, if you are going to have to spend 150000€ to do the place up, and wait a few years for it to happen, you are not going to want to pay as much to start with!  One has to ask, how much would it be worth if finished,  take off the work, and try at that figure.

    Russell

    Hello Steve,

    Your letters from Bill and Ross regarding the appointment of Adolf Hitler make fascinating reading. Serving to correct many an erroneous assumption about Hitler whilst highlighting the often mistaken

    impression that certain officials, that hold sway over the many, are also elected, when in fact they are not.

    The case in point is, of course, the European Commission. That august and entirely unelected body of

    appointees that hold such power far beyond its' function and ability. I suspect that had the power of the

    electorate been available to curb such iniquitous regimes, in either case, then the ensuing disasters

    that befell these regimes may well not have come to pass. Just a thought!

    Regards

    Stuart

    Dear Steve

    It is also worthy of comment that the EU Commission is, as was Hitler, un-elected.

    John Fielden

    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

    vide

    Dimanche 5 Mars

    Bram  Vide grenier

    Carcassonne  Vide grenier brocante

    Caunes-Minervois  Vide grenier

    Coursan  Vide grenier Route de Cuxac

    Escales  Vide dressing

    Leucate Vide grenier du rugby

    Limoux  Brocante mensuelle

    Narbonne  Hyper vide grenier

    Narbonne  Vide grenier et bourse vêtements

    Narbonne  Vide grenier Cap de Pla

    Palaja  Vide dressing

    Salles-d’Aude  Vide grenier du Tennis de Table

    Mazeres  Vide grenier mensuel

    Pamiers  Vide grenier brocante

    Saint-Lizier  Marché aux puces

    Saverdun  Vide ta Chambre Printanier

    Samedi 11 Mars

    Coursan  Vide grenier Route de Cuxac

    Narbonne  Bourse aux livres et dvd

    Dimanche 12 Mars

    Carcassonne  Vide grenier brocante

    Coursan  Vide grenier Route de Cuxac

    Coursan  Vide grenier de Coursan Information Tourisme

    Fleury d’aude  Vide grenier

    Narbonne  Vide grenier et bourse vêtements

    Narbonne  Bourse aux livres et dvd

    Ornaisons  Vide grenier Ornaisons-Nature

    Plavilla  Vide grenier

    Pamiers  Vide grenier brocante

    Samedi 18 Mars

    Coursan  Vide grenier Route de Cuxac

    Saverdun  Vide grenier marché aux puces

    Dimanche 19 Mars

    Carcassonne  Vide grenier brocante

    Coursan  Vide grenier Route de Cuxac

    Montlaur  Vide grenier Foyer Municipal

    Narbonne  Vide grenier et bourse vêtements

    Narbonne  Vide grenier

    Sainte-Eulalie  Vide dressing et vide maison

    Pamiers  Vide grenier brocante

    Saint-Girons  Les puces du champ de mars

    Samedi 25 Mars

    Coursan  Vide grenier Route de Cuxac

    Dimanche 26 Mars

    Azille  Vide grenier de printemps

    Carcassonne  Vide grenier brocante

    Coursan  Vide grenier Route de Cuxac

    Labécède-Lauragais  Puce des couturières

    Narbonne  Vide grenier et bourse vêtements

    Pamiers  Vide grenier brocante

       
     

     

       

     lalawit

     

    elsknockstage

     

    What's On 

    CELTIC LEGENDS 28 MARCH Zenith Toulouse

    SUICIDAL TENDENCIES 11 April Bikini Toulouse

    TOOTS AND THE MAYTALS 28 April Bikini Toulouse

    PLACEBO  24 April Zenith Toulouse

    SIMPLE MINDS 29 April Halle Aux Grains Toulouse

    XAVIER RUDD 18 June Bikini Toulouse

    CARO EMERALD, DEE DEE BRIDGEWATER 6 July Cognac Blues Passions

    BEJART BALLET 9 July Carcassonne Festival

    PIXIES 27 July Carcassonne Festival

    TY SEAGALL 30 August Bikini Toulouse

    JAMIROQUAI 22 Nov Zenith Toulouse

     

     

    leshoriaire

     

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  • Flyer 29 March

    Aude and Ariege Flyer 15 March

    header29317 

     

    Bonjour

    Syria has now become a stage for President Trump to get something done.  Many of his other toys have been locked away so he’s been given access to missiles to play with.  It could be sabre rattling in the direction of North Korea and to show less of a connection to Russia?  Whilst there may be more proof of chemical weapons than there was of weapons of mass destruction, Britain has backed the USA action despite there being no UN resolution.

    So as long as the American taxes are used to keep paying to host state visits at his Florida members club, everything must be good.  Where did they hold such jolly’s in the good old days of George Dubya and Ronnie Raygun?

    It does seem a little strange that the ‘Make America Great’ fans aren’t kicking off yet? 

    In full-on conspiracy theory mode, what better way for the US president to not look like he is best mates with Vlad Putin, than to be getting into the fight against Assad in Syria, while behind the scenes they are secretly planning money-making schemes. 

    I saw something on the BBC News that sounded hopeful, scientists say they have detected an atmosphere around an Earth-like planet for the first time.  GJ1132B not such a catchy name but you can get used to it. And then in further reading I discovered it’s not an alternative Trump Brexit world.

    “The study is published in the Astronomical Journal.  Discovering an atmosphere, and characterising it, is an important step forward in the hunt for life beyond our Solar System.

    But it is highly unlikely that this world is habitable: it has a surface temperature of 370C”.

    Oh well then, back to the drawing board.

    A Canadian author has suggested Scotland become the 11th Province of Canada, now that’s lateral thinking.

    Wonga the payday loan company have had a data breach affecting up to 245,000 UK customers.  Surely that can’t be the best place to steal money from peoples’ accounts because they don’t have much money there in the first place.  It would appear that up to 25,000 other account holders in Poland may also have been affected, I wonder if it’s called Wongski there?

    I hope that you had an enjoyable Toques in Cépie if you went along in the sunshine.

    OH and if you are concerned about Les Hot Cross Buns young Hannes the King Of Organic baking is producing them  again this year and they will be available at the Fournil de Luc, at Luc sur aude or to order in all on to good biocoops of of departments 11, 66 and 34.

     

     

     

    hotxbuns15

    Steve

      

     

    Thousands of regular readers make the Flyer the place to be seen

     

     

    Lost in France

     

    To the person who queried that the hyperlinks on my last article didn’t work, I found the original article and there were what appeared to be hyperlinks but when I clicked on them they just linked to another picture of the same map.

     

    double cream

    Have you ever found yourself missing double cream?  Well, you don’t need to any longer.  There is a farm between, Fanjeaux and Mirepoix at Cazelrenoux,  that can supply this product. Fresh cream straight from the cow.  What more could an Anglophile desire if they are missing the culinary delights of products and recipes requiring double cream.  It is even good enough for whipping.  However, I don’t think they’ve got round to clotted cream yet, that could be an adventure too far at the moment.

    Their butter is delicious too and easy to use that it takes French people back to the butter used in childhood. 

    The place is Domaine de Barsa off the D102.

      

     angloeuropean

     nickcamamail

       
     

    bere dish 

     

    Forward this Flyer to friends and anyone else you know who may find it useful

    61specto

     

    A sad time for some........ whilst others embrace the change

     

    Now that Article 50 has been triggered, the UK has two years to negotiate its exit. There’s been plenty of speculation as to what may or may not happen and how the Brexit process will work, but the truth is no one really knows. Whatever your feelings are about the historic event of 29th March 2017, it is clear that there will be changes ahead. However, for the time being we are all EU citizens governed by EU law, and as far as we are concerned, it’s business as usual.

     

    And, for those of us resident in France, at this time of year, it’s the Tax Return (Déclaration des Revenus) that is at the forefront of our minds.

     

    As in previous years, the deadline date by which the declaration needs to be submitted to the French tax authority varies by department. For 2017 (income received in 2016) the dates for on-line returns are as follows:

     

    • Departments 01 to 19 - 23rd May
    • Departments 20 to 49 - 30th May
    • Departments 50 onwards - 6th June

     

    If this is your first income tax declaration in France, a paper return is obligatory and these should be available from your local tax office or to print off on-line from early April. There is a single date for paper based returns, regardless of where you live in France, which for 2017 is 17th May.

     

    For those of you who came to live in France during 2016, then you will need to make your first French tax declaration and declare all your worldwide income and gains, but only for the period since becoming resident in 2016.

     

    Income and gains that might be tax-free in another country, for example, UK ISAs, premium bond winnings and Pension Commencement Lump Sums, must be declared, as all are taxable in France. Even for income that is taxable in another country, for example a UK government type of pension (i.e. civil service, military, police and teachers pensions, but not State pensions) 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 obligatory to declare the existence of bank accounts and life assurance policies held outside of France, even bank accounts with nothing in them! There are large penalties for not doing so.

     

    Common Reporting Standards
    Hopefully, many of you will now be aware of the existence of the CRS, which has been in operation since 1st January 2016 (not least because you may have been asked by your UK bank, or perhaps the institution that pays your private pension, for your French fiscal reference number). This basically means that all EU fiscal authorities and many others throughout the world (including the popular offshore jurisdictions of Isle of Man, Channel Islands and Gibraltar) are exchanging information on pretty much all things financial, concerning taxpayers living in one country who have assets in another country and/or income arising in another country. This includes investment income (e.g. bank interest and dividends), pensions, property rental income, capital gains from financial assets and real estate, life assurance products, employment income, directors’ fees, as well as account balances of financial assets.

     

    No-one is exempt and therefore, it is essential that when you complete your French income tax return, you declare all income and gains – even if this is taxable in another country by virtue of a Double Taxation Treaty with France.

     

    Finally, if anyone finds that they need to complete the pink 2047 form, this means that you have foreign income and/or gains to declare. If this is for any reason other than pension income and earnings, then perhaps you may benefit from a discussion to see if your financial situation can be improved by investing in something that is more tax-efficient for French residency.

     

    If you would like to have a confidential discussion about your personal situation, you can contact me by e-mail at sue.regan@spectrum-ifa.com or by telephone on 04 67 24 90 95.

     

    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
    http://www.spectrum-ifa.com/spectrum-ifa-client-charter/

    spectnewfoot

    Email: helplinecsfsud@gmail.com;  Website: www.cancersupportfrance.info

    Forum: http://csf.forum.org      Local Association No : W112000594

    Le Flyer est disponible dans d'autres langues via le site web, audeflyer.com

     
     

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    readers write

     

    Hi Steve

    Your correspondents are right about Hitler and democracy but an important caveat needs to be added.

     

    Hitler deliberately aimed at an overtly legitimate route to power after the Beer Hall Putsch even if he didn’t eventually get the majority he craved under Weimar rules. In practice, however, as William Shirer makes clear, a democratic majority was only ever desired to make things look wholesome and thereby exert pressure on weak members of the Establishment who didn’t like Hitler but didn’t see him as a serious threat until too late. Hitler knew that as well as electioneering he had to join other politicians in backstairs intrigue and fear-mongering (telling them, « if you want to check the growing chaos, you must appoint me ») until he got where he wanted to go. 

     

    He knew that the electorate is only the overt legitimising force in a democracy but it is not always (perhaps is never) the actual legitimising force and that it is better pragmatically to be seen to woo the former but if you are turned down you can still woo the latter. Power is exercised by he who can make others do what he wants regardless of how he came to office without them having the physical means to stop him. Hitler knew he could not obtain power without the support ie compliance or even obedience of the great institutions of society – especially the army and big business and these were the king-makers behind the scenes in 1932. They were pursuing their own interests. They thought they could handle Hitler but only after they had given him power did they realise he had been handling them all along. 

     

    The relevance of this today is that: 

    1) we should not be fooled by what we see in politics: we should always ask what are we not seeing 

    2) as Marx taught us (he was right in this at least), economic interests are inextricably linked with political events and we should never take our eyes off those who wield economic power because if their interests diverge with ours we may not get what we thought we were voting for. 

    3) as an electorate we have to speak out before autocrats do what they want in our name. Once they have used us in their own power games, they are not interested in what we have to say. Democracy is always in the past for them, not in the present.

    4) the only way we have to speak out is a media that is not only free but uses its freedom effectively for the good of society, that knows what the public interest means. Journalists, editors, readers and viewers all need to be aware that to a demagogue all publicity is good publicity; we should learn not to over-feed the animals.

     

    Best wishes

    Nick Inman

     

     

     

     

    And from another reader

     

    Re Trump, have a look at(Google) Samantha Bee on Trump. Hilarious.

    https://www.popsugar.co.uk/celebrity/Samantha-Bee-Donald-Trump-History-Scotland-Video-43152230

     

    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

    vide

    Samedi 15 Avril

    Coursan  Vide grenier Route de Cuxac

    Lézignan-Corbières  Vide grenier maison

    Montolieu Salon du livre ancien et d’occasion

    Narbonne  Vide grenier couvert

    Saverdun  Vide grenier marché aux puces divers

    Dimanche 16 Avril

    Carcassonne  Vide grenier brocante

    Coursan  Vide grenier Route de Cuxac

    Gruissan  Vide grenier mjc vtt

    Limoux Vide grenier de l’association les Aristocat’s de Limoux

    Montolieu  Salon du livre ancien et d’occasion

    Narbonne  Vide grenier couvert

    Rieux-Minervois  Bourse de l’arme ancienne et antiquités militaires

    Saint-Marcel sur Aude  Vide grenier

    Sigean  Vide grenier des Chats Muses

    La Tour-du-Crieu   1er Vide grenier brocante de l’asc foot

    Pamiers  Vide grenier brocante

    Saint-Girons  Les puces du champ de mars

    Varilhes  Vide grenier brocante sur la D624

     

    Lundi 17 Avril

    Limoux  Vide grenier de l’association les Aristocat’s de Limoux

    Montolieu  Salon du livre ancien et d’occasion

     

    Narbonne  Hyper vide grenier lundi de Pâques

    Trebes  Vides greniers de printemps

    Dalou  Vide grenier de printemps

    Saverdun  Grand vide grenier de pâques

    Samedi 22 Avril

    Coursan  Vide grenier Route de Cuxac

    Lézignan-Corbières  Vide grenier maison

    Limoux  10ème Salon Antiquités Brocante

    Dimanche 23 Avril

    Alairac  Vide grenier de l’ASSC de l’école d’Alairac

    Badens  Vide grenier et marché aux fleurs

    Carcassonne  Vide grenier brocante

    Coursan  Vide grenier Route de Cuxac

    Fabrezan  Vide grenier association festival de musique Charles Cros

    Fleury d’aude  Vide grenier

    Gruissan  Vide grenier Anguialous

    Limoux  10ème Salon Antiquités Brocante

    Mirepeisset  Vide grenier

    Narbonne  Vide grenier de d’association MSN

    Narbonne  Hyper vide grenier

    Ornaisons  Vide grenier

    Rieux-Minervois  Vide grenier

    Rouffiac-d’Aude  Vide grenier

    Pamiers  Vide grenier brocante

    Roumengoux  Vide grenier, vide jardin

       
     

     

       

     

     

    els pic

     

    What's On 

     

    SUICIDAL TENDENCIES 11 April Bikini Toulouse

    TOOTS AND THE MAYTALS 28 April Bikini Toulouse

    PLACEBO  24 April Zenith Toulouse

    SIMPLE MINDS 29 April Halle Aux Grains Toulouse

    SHANNON WRIGHT, LAURE BRIARD, 9 May Metronum Toulouse

    XAVIER RUDD 18 June Bikini Toulouse

    CARO EMERALD, DEE DEE BRIDGEWATER 6 July Cognac Blues Passions

    BEJART BALLET 9 July Carcassonne Festival

    PIXIES 27 July Carcassonne Festival

    TY SEAGALL 30 August Bikini Toulouse

    SATYRICON 2 October Metronum Toulouse

    JAMIROQUAI 22 Nov Zenith Toulouse

     

     

    leshoriaire

     

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  • Flyer 1st May

    Aude and Ariege Flyer 15 March

     header1517

     

    Bonjour

    Well, so much has happened and possibly nothing has. 

    It looks like there is a lot of sabre rattling going on between misshapen coiffured potentates.

    I was hoping that, despite being flawed by an error of war, Tony Blair would purchase the Liberal Democrats and have the Under 11’s Sunday League football referee who is currently running it step down to make the tea and give Madame May an opposition. 

    And while they are at it maybe even ask the public if they are really sure about that referendum decision…..

    And then of course it’s next weekend for France to make its mind up.  Oh, it gets better every day

    Good luck everyone!

    I forgot to mention if you have a gites complex or a large house and need a good bilingual host to live in and run things for you let me know….don’t worry it’s not me.

    Steve

      

     

    Thousands of regular readers make the Flyer the place to be seen

    Lost in France

     

    Geraldine Chaplin NashvilleThe views expressed here are those of the writer and not of Steve.

    It was the 128th birthday of Charlie Chaplin on April 16th.  And what a lot of confusion there appears to be as to his birthplace.  I suppose the English have always thought that he was English, born in Walworth in south London in 1889 or at a gypsy camp near Birmingham and some French consider that he was born in France in the Parisian suburb of Fontainebleau.   

    Wherever he was born he has a whole slew of famous offspring who became very successful performers and actors. One of whom, as a direct descendent of his half-brother, is an American computer hacker whose dad was in the 1970s rock band Jefferson Airplane.   Another directly or indirectly brought about the downfall of the House of Stark in Game of Thrones and yet another went to circus school.  Ben Chaplin is apparently no relation but changed his name to his mother’s maiden name which was probably a good decision, more striking than Greenwood anyway.

    So is creativity genetic or is it just with a surname like ‘Chaplin’ the question would arise in an interview or an audition ‘Are you related to ….?’  You would probably have more of an ‘in’ with tacit nepotism?  And being brought up in an environment that includes a history of and a willingness to support creativity can lead to one of those ‘nature versus nurture’ discussions.

    There is a new field of research in the ‘nature versus nurture’ debate and the scientific theory is called epigenetics where it is more important to see what your genes are doing rather than what genes you have.  So if you have Charlie Chaplin’s genes but were brought up in an environment that didn’t support creativity, your genes would most likely lead you to be uncreative….. probably, as long as someone didn’t tell you who your forefather was.

    With regard to the ‘in’ in the antépénultième paragraph, the quotation marks are known as entre guillemets.  I really never know where these pieces are going to end up. 

     

      

     angloeuropean

     nickcamamail

       
     

    bere dish 

     

    Forward this Flyer to friends and anyone else you know who may find it useful

    61specto

     

    Inheritance Tax Planning

     

    In my everyday dealings with prospective clients and ex-pats looking for advice generally, I’m finding myself dealing with increasingly more complex personal and family situations. From re-structuring of UK investments such as general investment accounts and Individual Savings Accounts (ISA) to make them French tax-friendly, analyzing occupational pensions to assess the suitability of transferring way from the UK and into QROPS, through to financial planning for the future, every case is varied and different, requiring bespoke advice.

     

    One area I find particularly common is how best to address the impact French succession laws have on those of us used to the fairly flexible UK Inheritance Tax laws. In the UK, its fairly simple: you can leave everything you own to your spouse free from inheritance tax. On the surviving spouse’s subsequent demise, the first £325,000 of that person’s estate can be passed on without tax liability. Since 2007, the deceased partner’s allowance can also now be used by the surviving spouse, thereby ensuring that £650,000 of the combined estate is free from taxation. In addition, there is an additional property nil rate band that can boost the tax exemption even further. Furthermore, with the exception of the spouse, there is no discrimination in who benefits in terms of tax treatment. The tax rate in UK is 40% on the excess over the £325,000 threshold.

     

    In France, assets passing to the spouse have also been tax free since 2007, but this is where the similarity ends in terms of potential taxation. Taking its lead from Code Napoleon, French succession laws put the children of the deceased at the forefront when determining who inherits, giving them Protected Heirs status. Who inherits, and that person’s relationship to the deceased, also determines what tax free allowance is available and following on from that what tax is payable.

     

    Sons and daughters, both natural and adopted, can receive €100,000 each from the deceased’s estate free from tax, thereafter there is a sliding scale based on the amount inherited. But here’s the rub: step-children are not blood related, so the children’s allowance doesn’t apply to them and they fall into the category of ‘unrelated person’. As such they can only inherit €1,594 free from inheritance tax. The balance is taxed at the eye-watering rate of 60%.

     

    Protected Heirs are entitled to receive the major share of the deceased’s estate, at the expense of the spouse, so structures need to be put in place to protect the spouse, such as wills, marriage regimes, family pacts etc. Generally, these relate to the property, but can also include more liquid assets such as bank deposits and investments.

     

    When addressing the issue of shielding step-children from the severest level of taxation, at the same time ensuring the surviving spouse is properly looked after, one weapon in our armoury is the assurance vie, or life assurance investment bond. On the death of the bond holder, any beneficiary can inherit without discrimination. In the holder of the assurance vie was below age 70 when the policy was taken out, each beneficiary can inherit €152,500 without a tax liability. For amounts above €152,500 the tax rate is 20% or 31.25% if the amount inherited is above €700,000. This is per beneficiary and not per assurance vie. But what if I don’t want my money to pass to my children or step-children on my death, but rather to go to my spouse?

     

    This is where it gets clever! By inserting a Demembrement Clause within the assurance vie policy, your spouse can be granted usufruit or life interest in the assets held in the policy, thereby ensuring protection to him or her.

     

    And there’s more. By drawing capital out of the deceased’s policy, the spouse is creating a debt that will be repaid on the spouse’s subsequent death, paid for out of his or her estate, thereby further reducing the amount of any inheritance tax liability. This is what we call true financial planning, and this forms the bed-rock of what we do here in Spectrum.

    If you have personal or financial circumstances that you feel may benefit from a financial planning review, please contact me direct on the number below. You can also contact me by email at derek.winsland@spectrum-ifa.com or call our office in Limoux to make an appointment. Alternatively, I conduct a drop-in clinic most Fridays (holidays excepting), when you can pop in to speak to me. Our office telephone number is 04 68 31 14 10.

    I look forward to seeing you soon.

    Derek Winsland
    Chartered Financial Planner
    Mobile: 0771 71 95 52

     

    spectnewfoot

    csf 1517

    Email: helplinecsfsud@gmail.com;  Website: www.cancersupportfrance.info

    Forum: http://csf.forum.org      Local Association No : W112000594

     

     

    Le Flyer est disponible dans d'autres langues via le site web, audeflyer.com

     
     

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    ETE 2017 FINAL AUDE 

     

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    readers write

     

     

     

    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

    vide

    Samedi 6 Mai

    Coursan  Vide grenier Route de Cuxac

    Port Leucate  Tante Marie Vide ses Greniers

    Dimanche 7 Mai

    Bram  Vide grenier extérieur

    Carcassonne Vide grenier brocante

    Coursan  Vide grenier Route de Cuxac

    Cruscades  Vide grenier du Muguet

    Espéraza  Vide grenier et Foire de l’OSCAR

    Fabrezan  Vide grenier de l’ASF handball

    Fleury  Vide grenier des Sapeurs, Pompiers

    Issel Vide grenier

    Leucate  Vide grenier du rugby

    Limoux  Brocante

    Luc-sur-Orbieu  Vide grenier

    Mirepeisset  Vide grenier des Vieilles Canailles

    Montréal  Vide grenier marché artisanal

    Narbonne  Vide grenier Association ACE

    Narbonne  Vide grenier Cap de Pla

    Narbonne  Hyper Grenier

    Névian  Vide grenier nocturne de la Farandole

    Puicheric  Vide grenier et marché aux fleurs

    Sigean  Petite brocante vide grenier

    Mazères  Vide grenier mensuel

    Pamiers  Vide grenier brocant

    Saint-Lizier  Marché aux puces

    Lundi 8 Mai

    Alet-les-Bains  Vide grenier

    Carcassonne  Vide grenier du 8 mai

    Carcassonne  Vide grenier brocante

    Coursan  Tradition vide grenier de Printemps du Club 70

    Gruissan  Vide grenier

    Palaja  Grand vide grenier

    Saint-Pierre-la-Mer  Vide grenier

    Sigean  Petite brocante vide grenier

    Daumazan-sur-Arize  9ème grand vide grenier

    Lavelanet  13ème vide grenier

    Saint-Amadou  Vide grenier

     

    Samedi 13 Mai

    Coursan  Vide grenier Route de Cuxac

    Puivert  Vide grenier et Fête du printemps

    Quillan  Vide grenier du mois de Mai

    Foix  Vide grenier

    Saverdun  Vide grenier marche aux puces

     

    Dimanche 14 Mai

    Artigues  Vide grenier

    Azille  Vide grenier

    Belpech  Vide grenier

    Bram  Vide grenier

    Carcassonne  Vide grenier brocante

    Coursan  Vide grenier Route de Cuxac

    Cuxac-d’Aude  Vide grenier

    Ferrals-lès-Corbières  Vide grenier

    Floure  Vide grenier

    Gaja-et-Villedieu  Vide grenier

    Le Somail  Vide grenier brocante du printemps

    Loupia  Vide grenier et vide dressing

    Luc-sur-Orbieu  Vide grenier et vide dressing

    Narbonne  Vide grenier du Printemps

    Narbonne  2ème vide grenier du COS

    Narbonne Plage  Vide grenier

    Pépieux  Vide grenier

    Port-la-Nouvelle  Vide grenier

    Rieux-Minervois  Bourse moto et vide grenier

    Roquecourbe-Minervois  Vide grenier

    Saint-Marcel sur Aude  St Marcel en bringue

    Saint-Pierre-la-Mer  Vide grenier

    Saissac  Vide grenier

    Trèbes Vide grenier

    Villedubert  Vide grenier

    Gajan  Vide grenier associé avec marché de printemps

    Le Fossat  Vide grenier

    Loubières  Vide grenier

    Manses  Vide greniers de printemps

    Mirepoix  Vide grenier vente solidaire

    Nalzen  Grand vide grenier et vide jardins

    Pamiers  Vide grenier brocante

    Rieux-de-Pelleport  Vide grenier de l’Assocation Sportive

    Varilhes  Vide grenier brocante sur la D624

       
     

     

       

     

     lidlapron

    Lidl often get things very right, not sure about this one though?

     

    els pic

     

    Hello everyone,

    Just a reminder about some forthcoming events.

    * we still have a couple of places available on our gardening course - Aromatics for Languedoc gardens   on Wednesday 10th May (10am to 4pm),  this  is a course for gardeners and foodies alike.  We will consider a range of over forty common and more unusual aromatics (herbs and spices) which we can grow in our gardens.  We’ll look at how to identify plants, how to propagate and grow them, how to harvest and use them as well as thinking about how to incorporate aromatics in ornamental gardens and using them as companion plants. The course fee will be 50€ and as usual we will provide teas & coffees and ask you to bring a packed lunch.  For more info contact Gill@lapetitepepiniere.com

    * Open Jardins/ Gardens Ouvertes is a scheme that was set up in France just a few years ago with the aim of opening gardens to raise monies for charity - rather like the Yellow Book scheme in Britain.  They are keen to expand into the Occitanie region and we will be open  here on Sunday 21st May,  (10 to 18h) as part of the scheme , we shall hope to see some of you.  You can see more about the scheme at  http://www.opengardens.eu/ , they are keen for more gardens to be involved so if you think you and your garden could be part of this you can contact Catriona McLean <catriona@catrionamclean.com>; who is the lead Co-ordinator for our region.

    * Sunday June 4th 2017 - we shall be holding a day in the garden here as an awareness and fundraising day for Languedoc Solidarité avec le Réfugies (http://languedocsolidarite.com/refugies/), this will partly replace the open weekends that we have held in the past , La Table d'Emilie will be organising the food as always and there will be a range of activities on a garden fete theme....  come and try Sjoelbak,  Splat the Rat and many other garden games and fun activities, there will be guided tours of the garden at 11am and 2.30pm, a plant identification quiz, a raffle, a fun dog show (think cutest face etc - for more info here contact jane@dogrescuecarcassonne.co.uk), at 4pm there will be an auction of art  generously donated by local artists....   please put the event in your diaries and we hope to see lots of people for a fun day in support of a very worthy cause.

    As ever, for general gardening queries please don't hesitate to get in touch,  enjoy your gardens and we hope to see some of you during 2017.

    Regards,

    Gill

    Gill Pound

    --

    Le Jardin de la Petite Pépinière de Caunes
    21, av de la Montagne Noire,
    11160 Caunes-Minervois
    04 68 78 43 81
    www.lapetitepepiniere.com

    What's On 

     

     

    PLACEBO  24 April Zenith Toulouse

    SIMPLE MINDS 29 April Halle Aux Grains Toulouse

    SHANNON WRIGHT, LAURE BRIARD, 9 May Metronum Toulouse

    SEAN PAUL 6 June Bikini Toulouse

    XAVIER RUDD 18 June Bikini Toulouse

    CARO EMERALD, DEE DEE BRIDGEWATER 6 July Cognac Blues Passions

    BEJART BALLET 9 July Carcassonne Festival

    PIXIES 27 July Carcassonne Festival

    TY SEAGALL 30 August Bikini Toulouse

    SATYRICON 2 October Metronum Toulouse

    TRUST 21 Nov Bikini Toulouse

    JAMIROQUAI 22 Nov Zenith Toulouse

    BODYGAURD 9/10 June Zenith Toulouse

     

     

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  • Flyer 17 May

    Aude and Ariege Flyer 15 March

     

    Bonjour

     

    Well, finally someone has done it.   The Liberal Democrats have pledged to have another referendum on the Brexit deal and it would include an option to remain in the EU.  Wouldn’t this be a good time to join up with all the parts of the Labour party that don’t support Jeremy Engels, sorry I meant Corbyn?  The Greens could join in too.   What do you get when you mix green with yellow?  Maybe they should just have stripes for their colour.  And legalising and taxing cannabis?  If the leader didn’t look like a tortoise dressed as a Sunday league kids football referee it could be vastly different. 

    France did well, eh, choosing someone that doesn’t have a funny haircut and doesnt come out of the gate thinking he knows everything.

    And then there are the American debacles!  Too chummy with Russia, the media said, along with allegations of election tampering.  Then there was a bombing and they were enemies with Russia.  Now they seem to be good friends again and Mr Putin is prepared to release documents to prove what? Oh come along - surely most Republicans by now realise the apprentice has taken over the asylum.

     

    Are you surviving with new charges that Filmon sprung on everyone?

    Bruce Taylor even while on his Hols sent me a couple of links that may help

     

     

    Here are a two sites that might work for some people. 

    http://britishtvchannels.com

    https://www.firstonetv.eu/Live/United-Kingdom

    Best regards,

    Bruce

     

     

    Steve

      

     

    Thousands of regular readers make the Flyer the place to be seen

    Lost in France

     

     

    2 SCIAM MIND Power Corrupts

    I guess we all know the saying: power corrupts, absolute power corrupts absolutely.  It was written by Lord Acton in 1887 in a letter to Bishop Creighton discussing the history of the Inquisition (created for the Cathars, I believe) and includes the tenet that men of whatever standing should be judged by the same moral standards as anyone else.

    A partial out-take from the letter is this:

    Power tends to corrupt and absolute power corrupts absolutely.  Great men are almost always bad men, even when they exercise influence and not authority: still more when you superadd the tendency or the certainty of corruption by authority.  There is no worse heresy than that the office sanctifies the holder of it.

    So within a small village, when a mayor dislikes having nay-sayers around him and wants a council of ‘yes’ men, he begins by dismissing those more knowledgeable and popular than he  – in this case, the ‘adjoints’.  The latest firing was a well-liked, intelligent, humorous individual who the majority of the village liked.  The mayor was supposedly jealous of his power and thought that he wanted to take his position from him.  Now he, the mayor, has created a situation where the rest of the council have not signed off on the annual budget (as the only way they can demonstrate their own power) and the accounts have to be transferred to and verified by the Prefecture.  Part of these accounts included an astronomical figure (in small village terms - the price of a house) for the renovation of the mayor’s office.  No one appears to take lessons from history.  More geographically specific, the mayor should read the writings of Napoleon:

    He who fears being conquered is sure of defeat.

      

     angloeuropean

     nickcamamail

       
     

     

    Forward this Flyer to friends and anyone else you know who may find it useful

    61specto

     

     

    Beware of Pension Scams!

     

    Since 2006, individuals have been able to transfer their UK pension savings to a Qualifying Recognised Overseas Pension Scheme (QROPS). A QROPS is a pension scheme based outside of the UK that must meet certain conditions laid down by HMRC. If the conditions are not met, the person transferring their pension benefits risks a UK tax charge of 55%.

     

    For people who have emigrated from the UK, there are many advantages to transferring to a QROPS, including the possibility to mitigate currency risk. Additionally, as successive governments have changed the UK pension rules - resulting in it being more difficult for people to reach their long-term planned goals - moving pension savings out of the UK appeals to those who wish to take control of their pension.

     

    Sadly, there are unscrupulous people around and innocent pension savers have been duped into transferring their pensions into unregulated pension schemes and/or unsuitable investments, commonly known as pension scams. Despite the best efforts of HMRC and consumer advice organisations warning about pension scams, tragic stories of people losing all their pension savings are still being reported. Since the introduction of the UK pension flexibility rules, which allow people to fully cash-in their pension funds, the number of pension scams has also increased.

     

    Typically, ‘promises’ of getting access to the pension fund before age 55, which would result in a UK tax charge of 55% for the member, or ‘guarantees’ of high investment returns without risk, are common. However, if these are offered, an instant alarm bell should ring! If you were cold called with these offers, the alarm bell should be even louder.

     

    How well do you know the person or firm offering advice? Have you met the adviser or is everything being done at a distance, by telephone, email, etc.? Where is the adviser located? How is the adviser or firm regulated? In the event of you receiving bad advice, which regulator do you go to for redress?

     

    Following some simple steps can help avoid you being the victim of a pension scam:

     

    ● At the first meeting, a properly regulated financial adviser will give you their business card, which should include details of the authority that regulates the adviser. They should also carry out a fact-find of your complete financial situation and objectives, not just as relates to your pension.

     

    • A good adviser will carry out a full transfer analysis of the pension you are considering transferring, comparing this to the pension scheme being offered (obligatory if you are transferring a defined benefit pension or have other protected rights). A written report of the recommendation being made should be given to you.

     

    • The adviser should meet with you to discuss the recommendation and ensure that you understand all costs associated with this, as well as the risks of the funds in which your pension is to be invested. Only when you are happy that you understand everything, should you make the decision as to whether or not to proceed with the pension transfer. If you do transfer, you should expect to have on-going reviews of your pension with the adviser.

    For peace of mind, if transferring your UK pension benefits into a QROPS and you live in France, it is advisable to use a financial adviser who is French-regulated. Firms would usually be designated as a CIF (conseiller en investissement financier – i.e. a financial advisor) and regulated by a professional association accredited by the Autorité des Marchés Financiers (AMF). The firm could also typically be designated as a courtier d'assurance, which relates to the ability to carry out insurance brokerage activities (for example, if the money being transferred to the QROPS is to be invested in an insurance product) and so would be listed on the database at www.orias.fr.

     

    At Spectrum, we only recommend products of financially strong institutions and domiciled in highly regulated jurisdictions. Our advisers across Europe are fully regulated and more information can be found at http://www.spectrum-ifa.com/legal/


    If you are seeking regulated advice on pensions and/or investments and would like to have a confidential review of your financial situation, please contact me by phone on 04 67 24 90 95 or by e-mail at sue.regan@spectrum-ifa.com.

     

    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
    http://www.spectrum-ifa.com/spectrum-ifa-client-charter/

     

    spectnewfootEmail: helplinecsfsud@gmail.com;  Website: www.cancersupportfrance.info

    Forum: http://csf.forum.org      Local Association No : W112000594

     

     

    Le Flyer est disponible dans d'autres langues via le site web, audeflyer.com

     

     Time on your hands?

     

    Reliable person required to look after 3 bed holiday rental in Carcassonne. Requires a few meet and greets followed by laundry and cleaning for changeover. Will need to speak English as my French is poor.

    Contact Kieran on 00447711084363 or visitcarcassonne@aol.com

     JAZZ 19.05 AUDE FLYERAd 2017

     

     

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    queen onther un

    Hoorah, i have finally stopped that tall Greek fellow following me about

     

    Old Windows PCs can stop WannaCry ransomware with new Microsoft patch. 

     

    Users of old Windows systems can now download a patch to protect them from this week’s massive ransomware attack.

    In a rare step, Microsoft published a patch for Windows XP, Windows Server 2003 and Windows 8—all of them operating systems for which it no longer provides mainstream support.

    The ransomware, which has spread globally, has been infecting computers by exploiting a Windows vulnerability involving the Server Message Block protocol, a file-sharing feature.

    Computers infected with WannaCry will have their data encrypted, and display a ransom note demanding $300 or $600 in bitcoin to free the files.

    Fortunately, Windows 10 customers were not targeted in Friday’s attack. In March, Microsoft patched the vulnerability that the ransomware exploits—but only for newer Windows systems. That’s left older Windows machines, or those users who failed to patch newer machines, vulnerable to Friday’s attack.

    (Reference: http://www.pcworld.com )

    BTP long banner700x100

     

    readers write

    Hello Steve,

    I noted your comments about the lack of a decent opposition in Parliament. I agree that a good opposition is essential to keep the governing party on its mettle. However, Blair is not the candidate. He is yesterdays man and is shows. He also has a flawed legacy, especially with the Iraq debacle. He is also lining up with Major, Clarke, Brown, Kinnock and many other professional politicians to extol their views about the recent referendum. Despite how anyone voted, we all had our reasons, I would not criticise the right of anyone to express their view at the ballot box. It is called democracy. During the period from Harold Wilson to the present day I have managed to leave school, start a career, get qualifications, get married, buy a home, have a family, have holidays, play good standard of sport, have a social life, save for retirement, hold down a demanding and responsible job. Now I am being told by the people mentioned above, who could not lace my boots, that I am a cretin for not voting the way they thought I should. Well I have some advice for Blair and his cohort of 'has beens'; the advice is the same reply given by Private Eye in the legal case of Arkle v Private Eye. It is a short two word phrase which begins and ends with same letter: 'F'. Decent opposition is desirable but not obtainable from that crew. Keep on searching. Regards Stuart 

     

     

     

    Reliable person required to look after 3 bed holiday rental in Carcassonne. Requires a few meet and greets followed by laundry and cleaning for changeover. Will need to speak English as my French is poor.

    Contact Kieran on 00447711084363 or visitcarcassonne@aol.com

     

     

     

    Madame May has an opposition. No need to phantasise about the Lib Dems or war criminal Blair. All their times will come when the scum whom you deride are joined by the unemployed of Middle England — jobs taken by robots — to render what May and all the above stand for redundant. Obviously Corbyn needs to get real too, but not in the way that educationally challenged people like you and Boris Johnson imagine.

    Regards

    An Observant Irishman

    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

    vide

    Samedi 20 Mai

    Coursan  Vide grenier

    Crampagna  Fête du patriote

    Foix Vide grenier brocante

    Lavelanet  Vide grenier

    Mazères  Bourse de printemps

    Dimanche 21 Mai

    Azille  Vide grenier

    Bizanet  Vide grenier

    Bize-Minervois  Vide grenier de la calandreta Lo Cigal

    Bram  Bourse d’echange

    Canet  Vide grenier

    Carcassonne  Vide grenier brocante

    Carcassonne  Vide grenier de la MJC

    Castelnaudary  Vide grenier

    Conques-sur-Orbiel  Vide grenier des écoles

    Coursan  Vide grenier

    Coustaussa  Vide grenier

    Escales  Vide grenier

    Fabrezan  Vide grenier AICA Val d’Orbieu

    Fendeille  Vide grenier

    Ginestas  Vide grenier

    Gruissan  Vide grenier

    La Palme  Vide grenier des Palmi’girls

    La Redorte  Vide grenier

    Leucate  Vide poussette et vide dressing

    Limoux  Mega vide grenier du tennis club

    Marseillette  Vide grenier

    Mirepeisset Vide grenier

    Narbonne-Plage  Vide grenier Le Racing Club

    Narbonne  Vide grenier

    Palaja  Vide grenier pétanque club

    Pennautier  Vide grenier annuel

    Pezens  Vide grenier

    Saint-Marcel sur Aude  Vide grenier de l’association de Chasse

    Saint-Michel-de-Lanès  Vide grenier

    Salles-d’Aude  Vide jardin et bourse aux plantes

    Souilhanels  6ème Vide grenier

    Trausse-Minervois  Vide grenier

    Villasavary  Vide grenier de Quartier

    Villeneuve-Minervois  Vide grenier des écoles

    Villesequelande Vide donjon vide grenier

    Campagne-sur-Arize  Vide grenier

    Mazères  Bourse de printemps

    Pamiers  Vide grenier brocante

    Saint-Girons  Les puces du champ de mars

    Saint-Jean-du-Falga  Vide grenier de printemps

    Varilhes  Vide grenier l’ARPEL

    Varilhes  Vide grenier brocante sur la D624

    Jeudi 25 Mai

    Arzens  Vide grenier

    Bram  Vide grenier du gfplm et de football

    Fontjoncouse  Vide grenier

    Gruissan  Vide grenier dans le vent

    Marcorigan  Hyper vide grenier et animations

    Marcorigan  Vide grenier extérieur

    Narbonne  Vide grenier

    Puicheric Vide grenier

    Rieux-Minervois  Vide grenier Fête du Printemps Marché

    Roquetaillade  Vide grenier brocante

    Trèbes  Vide grenier du handball

    Arignac  Vide grenier

    Castillon-en-Couserans  Vide grenier

    Mazères  Bourse expo

    Montgailhard  Vide grenier

    Samedi 27 Mai

    Coursan  Vide grenier

    Limoux  Vide grenier marché aux puces

     

    Dimanche 28 Mai

    Argeliers  Vide grenier du bsm xv

    Bram  Vide greniers

    Capendu  Vide grenier

    Carcassonne  Vide grenier brocante

    Caunes-Minervois  Vide grenier

    Coursan  Vide grenier

    Espéraza  Vide grenier

    Gruissan  Vide grenier de ASLC

    Limoux  Vide grenier des Amis de Notre Dame

    Moussan  Vide grenier

    Narbonne  Hyper vide grenier

    Pépieux  Vide grenier

    Sigean  Vide grenier du Ping Pong

    Tourouzelle  Vide grenier

    Villemoustaussou  Vide grenier des vieilles cylindrées

    Foix  Vide grenier d’Ingénieuse Afrique

    Pamiers  Vide grenier brocante

    Teilhet  Vide grenier, fête des plantes

    Varilhes  Vide grenier sur la D624

    Samedi 3 Juin

    Coursan  Vide grenier

    La Digne-d’Amont  Vide grenier

    Port Leucate  Tante Marie vide ses greniers

    Thézan-des-Corbières  Brocante professionnelle

    Montaut  Vide grenier du festival Celt en Oc

    Dimanche 4 Juin

    Alzonne  Vide grenier pompiers solidaires

    Azille  Vide grenier

    Carcassonne  Vide grenier brocante

    Coursan  Vide grenier

    Espéraza  Vide grenier

    Laserre-de-Prouille  19ème vide grenier

    Leucate La Franqui  Tante Marie vide ses greniers

    Limoux  Vide grenier en occasion de la fête de La Petite Ville

    Limoux  Brocante

    Limoux  Vide grenier

    Montredon-des-Corbières  Vide grenier

    Narbonne  Vide grenier Cap de Pla

    Peyriac-de-Mer  Vide grenier des livres

    Ricaud  Vide grenier dressing

    Roubia  Vide grenier marché artisanal

    Saint Amans  Vide grenier foire au vintage

    Saint-Marcel sur Aude  Vide grenier

    Thézan-des-Corbières  Brocante professionnelle

    Arnave  Vide grenier

    La Bastide-sur-l’Hers  Vide grenier vide jardin

    Mazères  Vide grenier mensuel

    Mirepoix  Bourse Club Cartophile

    Pailhès  Vide grenier vide jardin

    Pamiers  Vide grenier brocante

    Saint-Lizier  Marché aux puces

    Saint-Quentin-la-Tour  Vide grenier

    Varilhes  Vide grenier sur la D624

       
     

     

       

     During his visit to London, Donald Trump met with Queen Elizabeth, and
    after bowing gracefully to her,
    He asked, "Your  Majesty, how do you run such an efficient government ?
    Are there any  tips you can give me ?"
    "Well," replied  the Queen, "the  most important thing is to surround
    yourself with intelligent  people."
    Donald frowned,  and then asked, "But  how do I know the people around
    me are really intelligent ?"
    The Queen took a  sip of tea and said, "Oh,  that's easy Donald. You
    just ask them to answer a  riddle."
    Seeing the puzzled  look on Donald’s face, the Queen said, “Let me
    demonstrate it for  you.”
    The Queen pushed a  button on her intercom and said, "Please send Prime
    Minister Theresa May in here."
    Theresa walked  into the room and said, "Yes,  Your Majesty ?
    The Queen smiled  and said, "Answer  me this, Theresa. Your mother and
    father have a child. It is not your  brother and it is not your sister.
    Who is it ?"
    Theresa  answered, "That  would be me."
    "Thank  you Teresa." said  the Queen. The Queen smiled at The Donald and
    said, "it's as simple as that."
    Donald returned to  the White House and asked Mike Pence the same
    question. "Mike,  I want you to answer this riddle. Your mother and your
    father have a  child. It's not your brother and it's not your sister.
    Who is it  ?"
    "I'm  not sure,"  said Mike. "Let  me get back to you on that one." He
    went to his  advisers and asked everyone, but none could give him an 
    answer.
    The next evening  Mike and his wife were dining at a fancy restaurant
    when he noticed  Sarah Palin sitting at another table. Mike walked over 
    to her table and asked, “Sarah,  can you answer a riddle for me ? Your
    mother and father have a child and  it's not your brother or your
    sister. Who is it ?"
    Sarah  answered, "That  would be me !"
    Mike smiled and  said, "Thanks  Sarah !"
    After dinner Mike  returned to the White House and met with Donald. 
    Mike said, “I  did some research and I found the answer to the riddle.”
    Donald said, “Fantastic.  So, what is the answer ?”
    Mike replied, “It's  Sarah Palin !"
    Donald  yelled, “No,  you idiot ! It's Theresa May !"
    And that, my  friends, is what is going on at the White House !

     

     waalk2

    walk1

    els pic

     

    Hello everyone,

    Just a reminder about some forthcoming events.

    * we still have a couple of places available on our gardening course - Aromatics for Languedoc gardens   on Wednesday 10th May (10am to 4pm),  this  is a course for gardeners and foodies alike.  We will consider a range of over forty common and more unusual aromatics (herbs and spices) which we can grow in our gardens.  We’ll look at how to identify plants, how to propagate and grow them, how to harvest and use them as well as thinking about how to incorporate aromatics in ornamental gardens and using them as companion plants. The course fee will be 50€ and as usual we will provide teas & coffees and ask you to bring a packed lunch.  For more info contact Gill@lapetitepepiniere.com

    * Open Jardins/ Gardens Ouvertes is a scheme that was set up in France just a few years ago with the aim of opening gardens to raise monies for charity - rather like the Yellow Book scheme in Britain.  They are keen to expand into the Occitanie region and we will be open  here on Sunday 21st May,  (10 to 18h) as part of the scheme , we shall hope to see some of you.  You can see more about the scheme at  http://www.opengardens.eu/ , they are keen for more gardens to be involved so if you think you and your garden could be part of this you can contact Catriona McLean <catriona@catrionamclean.com>; who is the lead Co-ordinator for our region.

    * Sunday June 4th 2017 - we shall be holding a day in the garden here as an awareness and fundraising day for Languedoc Solidarité avec le Réfugies (http://languedocsolidarite.com/refugies/), this will partly replace the open weekends that we have held in the past , La Table d'Emilie will be organising the food as always and there will be a range of activities on a garden fete theme....  come and try Sjoelbak,  Splat the Rat and many other garden games and fun activities, there will be guided tours of the garden at 11am and 2.30pm, a plant identification quiz, a raffle, a fun dog show (think cutest face etc - for more info here contact jane@dogrescuecarcassonne.co.uk), at 4pm there will be an auction of art  generously donated by local artists....   please put the event in your diaries and we hope to see lots of people for a fun day in support of a very worthy cause.

    As ever, for general gardening queries please don't hesitate to get in touch,  enjoy your gardens and we hope to see some of you during 2017.

    Regards,

    Gill

    Gill Pound

    --

    Le Jardin de la Petite Pépinière de Caunes
    21, av de la Montagne Noire,
    11160 Caunes-Minervois
    04 68 78 43 81
    www.lapetitepepiniere.com

    What's On 

     

     

    PLACEBO  24 April Zenith Toulouse

    SIMPLE MINDS 29 April Halle Aux Grains Toulouse

    SHANNON WRIGHT, LAURE BRIARD, 9 May Metronum Toulouse

    SEAN PAUL 6 June Bikini Toulouse

    XAVIER RUDD 18 June Bikini Toulouse

    CARO EMERALD, DEE DEE BRIDGEWATER 6 July Cognac Blues Passions

    BEJART BALLET 9 July Carcassonne Festival

    PIXIES 27 July Carcassonne Festival

    TY SEAGALL 30 August Bikini Toulouse

    SATYRICON 2 October Metronum Toulouse

    BETH DITTO 3 October Bikini Toulouse

    BLACK REBEL MOTORCYCLE CLUB 16 Nov Bikini Toulouse

    TRUST 21 Nov Bikini Toulouse

    JAMIROQUAI 22 Nov Zenith Toulouse

    BODYGAURD 9/10 June Zenith Toulouse

     

     

    leshoriaire

     

    ADVERTISING RATES 
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    All items for sale inc Motor vehicles, boats, caravans & trailers

    25 €

    1 image and 25 words, plus contact details in 3 editions

         

    Property for sale - land, houses, businesses

    50 €

    up to 8 images and 500 words, plus contact details - your own property web page linked to the "Property Page" section of the Flyer for 13 editions

    Large Display Advert - Corporate

    100€

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  • Flyer 29 May

    Aude and Ariege Flyer

     header29517

     

    Bonjour

    So Tiger Woods has caught the George Michael malady of falling asleep in the car, lets hope its not an indication of whats to come.

    The  UK polls aren’t showing a big surge for the Lib Dems following their announcement to have another vote on Europe, strange? surely there are some millions of disgruntled remainers, maybe they are not saying anything to the pollsters

     

    And Donald has kept up his form on his world tour, if only it were funny

     

    Steve

      

     

    Thousands of regular readers make the Flyer the place to be seen

    Lost in France

     

    The views expressed here are those of the writer and not of Steve.

     

    snailAt one particular corner in the village there are scatterings of snail corpses.  It’s a bad enough sensation when you mistakenly stand on one with that inevitable crunch and you are a suddenly a killer.  But someone is throwing the snails from their garden against the wall of another house.  And I don’t think this is strictly necessary or the best way to dispense with them. 

     

    They could be gathered up, put in a jar and taken to be dropped off somewhere in the countryside.  Much kinder.  There are plenty of other ways to kill a snail if necessary without littering the area around someone else’s house.  How rude.

     

    We all know that snails can be eaten if they are of the right type and if they are large enough to warrant the preparation of the flesh.  Here in France, the most common edible ones are Helix Pomatia and they will eat grape leaves.  Snails will taste of what they have eaten so if you are going to cook them, they need to be fed on something palatable, carrot is suggested, for 3 or 4 days.  They should be kept in a box and rinsed every day so that there is no inedible or unpleasant by-products on them.  You clean them one more time, put in the fridge and pop the cold frozen snails into a bouillon.  The French usually roast them too with garlic and butter, but you can try other herbs to suit.  It is the ultimate in slow-cooking but could possibly be a much nicer way of dealing with your garden snails.

     

    We Brits are not very enthusiastic about eating them, but they are a rich source of Vitamins E, A, K and B12.  The French eat around 500 million snails a year.

     

     

     

     

      

     angloeuropean

     nickcamamail

       
     

     

    Forward this Flyer to friends and anyone else you know who may find it useful

    61specto

     

    Under the radar?

     

     

    The question of residency features highly in requests I receive from prospective new clients looking for advice generally. These requests generally come from people who are looking to move permanently to France. I also receive requests from people who have lived in France for some time, either on a part-time basis (before returning to the UK or elsewhere for the remainder of the year), or on a full-time basis, living ‘under the radar’, so to speak.

     

    In French tax law, the definition of domicile fiscal can fall under personal, professional, and economic conditions. To be considered resident in France for tax purposes, any ONE of the following conditions must be met:

     

    1. Your main home is in France
    2. You work in France, either on an employed or self-employed basis
    3. Your centre of economic interest is in France. This can include your investments, or business interests are here

     

    In addition, there is the commonly known means-test of 183 days in the year, which many people use as the chief determinant; like most things in France it’s not as simple as that. If you spend less than 6 months in France, but spend even less time in another country, then you can still be considered resident in France. Take the retired couple who spend their time between UK, France and Spain. If they lived in UK for 4 months, Spain 3 months and France for 5 months, they will be deemed to be resident in France because it is France where they have spent the most time during the year.

     

    There are, of course, many different scenarios that determine residency, for instance the couple whose business is centred exclusively in UK, but live in rented property in France. All activity is in UK, yet because the couple switch on the home computer to check the company bank balance, this is construed as operating a business in France, thus definition 3 applies.

     

    There are always grey areas, where tax residency can be in more than one country; in these cases, one hopes that a Double Taxation Treaty is in existence that would apply to ensure the person isn’t taxed twice.

     

    What does concern me, though, are those people who have lived in France for a number of years, but not declared themselves resident. Common Reporting Standards were introduced in January 2016, whereby tax authorities from over 100 countries now share financial data between the host country and the country where the individual lives. Assuming that the individual declared him or herself non-UK resident on the grounds of moving to live in France, then any financial information (bank accounts, investments etc) will now be shared with the French tax authorities. Depending on that individual’s circumstances, they may suddenly appear on the fisc’s radar, who might just start to take an interest in them. Non-disclosure of financial information is becoming a big deal, so it is more important than ever that residency is determined and if that is in France, affairs are put in order to address any tax implications for savings and investments.

     

    If you have personal or financial circumstances that you feel may benefit from a financial planning review, please contact me direct on the number below. You can also contact me by email at derek.winsland@spectrum-ifa.com or call our office in Limoux to make an appointment. Alternatively, I conduct a drop-in clinic most Fridays (holidays excepting), when you can pop in to speak to me. Our office telephone number is 04 68 31 14 10.

     

    I look forward to seeing you soon.

    Derek Winsland
    Chartered Financial Planner
    Mobile: 0771 71 95 52

    spectnewfootEmail: helplinecsfsud@gmail.com;  Website: www.cancersupportfrance.info

    Forum: http://csf.forum.org      Local Association No : W112000594

     

     

    Le Flyer est disponible dans d'autres langues via le site web, audeflyer.com

     

     Time on your hands?

     

    Reliable person required to look after 3 bed holiday rental in Carcassonne. Requires a few meet and greets followed by laundry and cleaning for changeover. Will need to speak English as my French is poor.

    Contact Kieran on 00447711084363 or visitcarcassonne@aol.com

     

     

     ETE 2017 FINAL AUDE

     Villelongue hires to edit

       

    58network

    russelcoope14

       

     dontpanic

     
       

    meteo ciel3

     

    CANCER SUPPORT FRANCE

    CYCLE FOR LIFE  2017  CANAL DU MIDI

    Come and ride with us!

    One in three people in the western world will suffer from some kind of cancer in their lifetime.Cancer and its treatment is difficult enough in your own country but in a new land and in a strange language it can be very, very, complex indeed.

    In 2002, Cancer Support France (CSF) was set-up to help people in exactly that situation, offering both emotional and practical help. Now, with a vast pool of knowledge and resources at their disposal, it helps thousands of people across the country.

    To raise awareness and funds for the charity and to support the fantastic and challenging work that they do for English speakers in France, CSF holds an annual event, ‘Cycle For Life’, and this year it is being held to celebrate the legacy and memory of the CSF Founder Linda Shepherd who worked tirelessly to ensure the success of the charity and who sadly died of cancer in March 2017.

    The ‘Cycle For Life’ ride will take place on June 22 to 25 starting in the Medieval city of Carcassonne and ending - with much celebration - at the coastal town of Sète, via the Canal du Midi, the Canal de la Robine and along a beautiful stretch of Mediterranean coast.

    It is not a race and everyone can take it at their own pace and do as few or as many days as they would like.  The whole route is 200km but there are four stages of 50km, 40km, 50km and 60km and you can start at any one of them. It is all low-level, suitable for novice cyclists, and families and riders of all ages are welcomed.

    ‘Vie and Velo’ cycle tour company can offer help with bike hire, bike transport or booking accommodation.  Denise from ‘Vie et Velo” says “We are very excited to be supporting ‘Cycle for Life’ this year as it not only benefits a great cause, but highlights some of the fabulous cycling to be had in the Languedoc. We expect it will be a great event for cycling enthusiasts of all levels“. 

    So, come and join us in a gentle meander through beautiful French countryside in the sunshine, sharing wonderful lunch stops, and enjoy the fun, food and of course wine! It is free to take part and you can raise money, if you wish, by asking people to sponsor you or to make a donation on www.alvarum.com Details of the ride are on www.csfcycleforlife.org and with a month to go, it is not too late to take part.

    Sponsors include Freewheeling France, LaFranglaiseWeb, Renestance and VideoProFrance.

     

     

    BTP long banner700x100

     

    readers write

    Hi Steve,

    It is difficult to understand why Stuart is so angry and, as a result, so incoherent.

    The referendum delivered the result he and the 'head-bangers' wanted. We have 

    thus achieved the greatest example of national economic self-wounding and it is 

    now for the adults to clear up the mess and make the best of it.

    In spite of this, Stuart is still clearly very angry and burbles meaninglessly about 

    people he doesn't like being unable to 'lace his boots'. What on earth does that mean ?

    Does he even know ?

    But the urgent question is how much more alarming would Stuart be if his side had lost 

    the argument ? Given that these despatches indicate a certain lack of calm and balance  

    could we ask, via your columns, that Stuart's carers review his medication and keep 

    him away from computers ?

    Yours sincerely

    Paul

     

    Ireland as an independent nation, quite rightly resents any interference from Britain in its' affairs. As a Briton I equally resent interference from mouthy embittered anonymous paddies in the affairs of the UK.

    John Fielden 

     

     

    Never BELIEVE an LIE

     

     

    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

    vide

    Dimanche 28 Mai

    Argeliers  Vide grenier du bsm xv

    Bram  Vide greniers

    Capendu  Vide grenier

    Carcassonne  Vide grenier brocante

    Caunes-Minervois  Vide grenier

    Coursan  Vide grenier

    Espéraza  Vide grenier

    Gruissan  Vide grenier de ASLC

    Limoux  Vide grenier des Amis de Notre Dame

    Montlegun  Vide grenier école de cirque

    Moussan  Vide grenier

    Narbonne  Hyper vide grenier

    Narbonne  Vide grenier couverte et extérieur

    Pépieux  Vide grenier

    Sainte-Camelle  Vide grenier foire à tout

    Sigean Vide grenier du Ping Pong

    Tourouzelle  Vide grenier

    Villemoustaussou  Vide grenier des vieilles cylindrées

    Foix Vide grenier d’Ingénieuse Afrique

    Galey  Vide grenier et rencontres végétales

    Pamiers  Vide grenier brocante

    Teilhet  Vide grenier, fête des plantes

    Samedi 3 Juin

    Coursan  Vide grenier

    La Digne-d’Amont  Vide grenier

    Port Leucate  Tante Marie vide ses greniers

    Thézan-des-Corbières  Brocante professionnelle

    Montaut  Vide grenier du festival Celt en Oc

    Dimanche 4 Juin

    Alairac Vide grenier

    Alzonne  Vide grenier pompiers solidaires

    Azille  Vide grenier

    Carcassonne Vide grenier brocante

    Conques-sur-Orbiel  Super vide grenier

    Coursan  Vide grenier

    Espéraza Vide grenier

    Fabrezan  Vide grenier

    Laprade  Vide grenier

    Laserre-de-Prouille  19ème vide grenier

    Leucate La Franqui  Tante Marie vide ses greniers

    Limoux  Vide grenier en occasion de la fête de La Petite Ville

    Limoux  Brocante

    Limoux  Vide grenier

    Mirepeisset  Vide grenier

    Montredon-des-Corbières  Vide grenier

    Narbonne  Vide grenier Cap de Pla

    Peyriac-de-Mer  Vide grenier

    Ricaud  Vide grenier dressing

    Roubia  Vide grenier marché artisanal

    Saint Amans  Vide grenier foire au vintage

    Saint-Marcel sur Aude  Vide grenier

    Thézan-des-Corbières  Brocante professionnelle

    Villardonnel  Vide grenier de la musique

    Arnave  Vide grenier

    La Bastide-sur-l’Hers  Vide grenier vide jardin

    Mazères  Vide grenier mensuel

    Mirepoix  Bourse Club Cartophile

    Pailhès Vide grenier vide jardin

    Pamiers  Vide grenier brocante

    Saint-Lizier  Marché aux puces

    Saint-Quentin-la-Tour  Vide grenier

    Varilhes  Vide grenier sur la D624

    Lundi 5 Juin

    Durban-Corbières Vide grenier des Pompiers

    Marcorignan Hyper vide grenier

    Trèbes  Vide grenier

    Mirepoix  59ème bourse cartophile

    Sabarat  Vide grenier brocante

    Varilhes  Vide grenier sur la D624

    Samedi 10 Juin

    Belvèze-du-Razès  Vide grenier

    Carcassonne  Vide livres d’occasion

    Couiza  Vide grenier des écoles

    Coursan  Vide grenier route de cuxac

    Floure  Vide grenier

    Limoux  Vide grenier des joyeux pétanqueurs

    Lézat-sur-Lèze  Vide grenier

    Ornolac-Ussat-les-Bains  Vide grenier AZTA

    Dimanche 11 Juin

    Argens Minervois  Vide grenier annuel

    Bram  Vide grenier parc du château

    Brousses-et-Villaret  Vide grenier vide jardin

    Carcassonne  Vide grenier quartier des Castors

    Carcassonne  Vide grenier brocante

    Castelnaudary  Vide grenier marché aux puces

    Conques-sur-Orbiel  Vide grenier et journée des vagabonds

    Coursan  Vide grenier route de cuxac

    Cruscades  Vide grenier de la peche

    Donazac  Vide grenier

    Fleury d’Aude  Vide grenier

    La Digne-d’Aval  1er vide grenier du FC Cougaing

    Lauraguel  Vide grenier

    Laure-Minervois  Vide grenier de l’école

    Le Somail  Puce des couturières, loisirs créatifs

    Leucate  Vide grenier du rugby

    Lézignan-Corbières  Vide grenier

    Luc-sur-Orbieu  Vide grenier

    Moux  Vide grenier

    Narbonne  Vide grenier école Montmorency

    Narbonne  Vide grenier

    Narbonne-Plage  Vide grenier école du chat libre

    Pennautier  Vide grenier

    Port-la-Nouvelle  Vide grenier des sapeurs-pompiers

    Quillan  Vide grenier

    Saint-Martin-le-Vieil  Vide grenier

    Saint-Nazaire-d’Aude  Vide grenier

    Salsigne  Vide grenier

    Villalier  Vide grenier de l’ACCA

    Villasavary  Vide grenier des majorettes

    Vinassan  Vide grenier

    Eycheil  Vide grenier

    La Tour-du-Crieu  Vide grenier

    Mirepoix  Vide grenier

    Pamiers  Vide grenier braderie

    Pamiers  Vide grenier brocante

    Prat-Bonrepaux  Vide grenier

    Saurat  Vide grenier

    Vals  Vide grenier, marché gourmand

    Varilhes  Vide grenier sur la D624

    Samedi 17 Juin

    Argeliers  Bourse moto

    Coursan  Vide grenier

    Durban-Corbières  Vide grenier

    Montréal  Vide grenier trésors caches

    Tournissan  Vide grenier

    Dimanche 18 Juin

    Argeliers  Bourse auto

    Bize-Minervois  Vide grenier

    Carcassonne  Vide grenier brocante

    Couiza  Vide grenier

    Coursan  Vide grenier

    Cuxac-Cabardès  Vide grenier brocante

    Espéraza  Vide grenier

    Leucate-Plage  Tante Marie vide ses greniers

    Limoux  Vide grenier Flassian

    Montredon-des-Corbières  Vide grenier

    Narbonne-Plage  Vide grenier

    Narbonne  Vide grenier

    Palaja  Vide grenier

    Pennautier  Vide grenier

    Pépieux  Vide grenier

    Pezens  Vide grenier

    Quillan  Vide grenier chats libres

    Saint-Laurent-de-la-Cabrerisse  Vide grenier des Pompiers

    Villardonnel  Vide grenier de la musique

    Campagne-sur-Arize  Vide grenier

    Castillon-en-Couserans  Vide grenier

    Foix  Vide Atelier Artisanal

    Luzenac  Vide grenier

    Pamiers  Vide grenier brocante Place de la Republique

    Pamiers  Vide grenier

    Saint-Girons  Les puces du champ de mars

    Varilhes  Vide grenier sur la D624

       
     

     

       

     

     james atkins

     

     

    els pic

     trump merkel

     

    What's On 

     

    SEAN PAUL 6 June Bikini Toulouse

    XAVIER RUDD 18 June Bikini Toulouse

    CARO EMERALD, DEE DEE BRIDGEWATER 6 July Cognac Blues Passions

    BEJART BALLET 9 July Carcassonne Festival

    MORCHEEBA- KEZIAH JONES 16 July Carcassonne Festival

    TRUST - EUROPE 21 July Carcassonne Festival

    BRYAN FERRY 23 July Carcassonne Festival

    PIXIES 27 July Carcassonne Festival

    TY SEAGALL 30 August Bikini Toulouse

    SATYRICON 2 October Metronum Toulouse

    BETH DITTO 3 October Bikini Toulouse

    BLACK REBEL MOTORCYCLE CLUB 16 Nov Bikini Toulouse

    TRUST 21 Nov Bikini Toulouse

    JAMIROQUAI 22 Nov Zenith Toulouse

    BODYGAURD 9/10 June Zenith Toulouse

     

    Hi Everyone,

    This is just a reminder that we are holding our fund raising garden fete for Languedoc Solidarité avec les Réfugiés (http://languedocsolidarite.com/home/) on the 4th June and hope to see many of you!  The fete opens at 10am, you may be aware that parking can be difficult - you can park outside the garden or park your cars further along the road (there is an old quarry about 100m up the road to Citou) or you can park in the Esplanade d'Europe in the village and just walk up the road.  Guided tours of the garden will be available at 11am and 2.30pm, La Table d'Emilie will be serving food and drinks all day including quiches & salads etc at lunchtime.  Exceptionally, Imogen & Kate at Le Jardin Champetre will also be open next door and will give 10% of any plant sales to LSR.


    There will be a raffle with some great prizes.   A Pimms aperitif is available at 4pm and the art auction will start about then, many local artists have generously donated work and I am attaching a catalogue.  The work will be available to view on Sunday.  If you know anyone else who might like the catalogue please do forward it.

    For info, the full list of stands is as follows:

    Info stand for LSR - Flower Power Game - Splat the rat - White Elephant Stall - Face Painting for kids - Jewellery for kids - Pin the tail on the donkey -

    Dog show - at 2.30pm, for more info contact Jane@dogrescuecarcassonne.co.uk

    Balancing a coin on a floating lemon - Marbles through a hole in a pot - Sjoelbak - Balls into plant pots - Smashing times - Hitower - Hoop La - Plant id quiz -

    Regards,

    Gill

    Gill Pound

    --
    Le Jardin de la Petite Pépinière de Caunes
    21, av de la Montagne Noire,
    11160 Caunes-Minervois
    04 68 78 43 81
     

    leshoriaire

     

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  • Flyer 15 June

    Aude and Ariege Flyer

    hesader14617 

     

    Bonjour

    In London there are some supermarkets, well there are a lot more than the one called Whole Foods Market.   It appears that the Amazon Corporation has just bought the worldwide chain of WFM for £10.7bn.  If in London and you haven’t been in one I urge you to do so.   I don’t think Amazon will make them worse.  It is very rare you can buy a bottle of wine to drink in at a Food Court for around £7 and the foods there are as varied as those you will find anywhere, organicky but with humour and each branch is huge.

    Did I dream I saw a French President addressing the world in English?  Surely that mean Pres. Macron has made himself another set of enemies.  Personally I found it astoundingly refreshing and indicative that this man has what it takes.

    I am intrigued to know how the British government think they can walk away from the table if they can’t get a deal they are happy with from the DUP. 

    It seemed like time to have a look at some betting on Paddy Power, you can get 5/4 on Sean Spicer being the next member of the trump administration to resign/get sacked and 500/1 that Trump will ban stairs or Irish people during his first term.   Surely a second can’t be a possibility?

    I thought there may have been some odds on potentials for the Queen’s Birthday Honours List, maybe they have run out of people safe enough to Sir or Dame??  All will be revealed tomorrow, how about Sir Rob Brydon? Or Lord Connolly of Govan?

     

    Steve

      

     

    Thousands of regular readers make the Flyer the place to be seen

    Lost in France

     

    The views expressed here are those of the writer and not of Steve.

     

     

    ‘A man must go through the fire before he write his masterpiece. We learn in suffering what we teach in song. What we lose on the swings, we make up on the roundabouts’. P.G. Wodehouse

    I didn’t set out to compare the NHS with the French health system, but that’s what I ended up doing.

    I’d been to the doctor in France, you know, phone up, make an appointment, turn up and wait for a while, maybe 15 to 20 mins after your allotted time before you go through.  I ask the doctor a question, which I had prepared in advance, knew it was phrased correctly and asked it.  The response was to examine me (which was OK), tell me I needed antibiotics and an antiseptic lotion.  I took the prescription for antibiotics but refused the antiseptic.  Neither of them were strictly necessary. A month previously I had a course of drugs and used the antiseptic lotion.   All I had asked for was to see if everything was going in the right direction – healing.  The doctor didn’t answer the question.

    As I was going to UK I thought I would do the same procedure with my local GP.  Here you go to the surgery before 9.00 a.m., take a numbered card and wait for the surgery to open.  Once inside people are called numerically according to the number they took earlier and given a time slot for an appointment.  Mine was at 12.30.  I go away and come back for 12.30 and at that point I go through the same process as in France, wait 15 to 20 mins to see the doctor - three lots of waiting  I ask the same question to the GP and am told it will take 2 – 3 months for healing to be complete.  The doctor answered the question.

    So there you go; not much waiting but unnecessary drugs and no answer from one, lots of waiting, no drugs but an answer from the other - swings and roundabouts.

     


     

     

     

     

      

     angloeuropean

    nickcorrected

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    Smoothing out the bumps of market volatility

     

    In today’s environment of very low interest rates, is it wise to leave more than “your rainy day fund” sitting in the bank, probably earning way less in interest than the current rate of inflation, particularly after the taxman has had his cut.....?

     

    In the above scenario, the real value of your capital is reducing, due to the depreciating effect on your capital of inflation. So, if you are relying on your capital to grow sufficiently to help fund your retirement or meet a specific financial goal, then you should be looking for an alternative home for your cash that will, at the very least, keep pace with inflation and thus protect the real value of your capital.

     

    In order to achieve a better return than a cash deposit, by necessity, there is a need to take some risk. The big question is – how much risk should be taken? In reality, this can only be decided as part of a detailed discussion with the investor, which takes into account their time horizon for investment, their requirement for income and/or capital growth, as well as how comfortable they feel about short-term volatility over the period of investment.

     

    Although inevitable, and perhaps arguably a necessity for successful investment management, it is often the volatility of an investment portfolio that can cause some people the most discomfort. Volatility often creates anxiety particularly for investors who need a regular income from their portfolio, and for this reason some people would choose to leave capital in the bank, depreciating in value, rather than have the worry of market volatility. However, this is very unlikely to meet your needs.

     

    There is an alternative, which is to have a well-diversified investment portfolio that provides a smoothed return by ironing out the peaks and troughs of the short-term market volatility. Many of our clients find that this is a very attractive proposition.

     

    What is a smoothed fund?

     

    A smoothed fund aims to grow your money over the medium to long term, whilst protecting you from the short-term ups and downs of investment markets.

     

    There are a number of funds available with differing risk profiles, to suit all investors. The funds are invested in very diversified multi-asset portfolios made up of international shares, property, fixed interest and other investments.

     

    The smoothed funds are available in different of currencies, including Sterling, Euro and USD. Thus, if exchanging from Sterling to Euros at this time is a concern for you, an investment can be made initially in Sterling and then exchanged to Euros when you are more comfortable with the exchange rate. All of this is done within the investment and so does not create any French tax issues for you.

     

    As a client of the Spectrum IFA Group, this type of fund can be invested within a French compliant international life assurance bond and thus is eligible for the same very attractive personal tax benefits associated with Assurance Vie, as well as French inheritance tax mitigation.

     

    Stop Press!!! Since writing this article the UK Election has taken place resulting in a hung parliament that brings with it more political uncertainty, but also the possibility of a softer Brexit or even a second election. This makes for a testing time for investment managers and the option of a smoothed investment ever more attractive.

     

    For more information on this type of investment and/or if you would like to have a confidential discussion about your financial situation, you can contact me by e-mail at sue.regan@spectrum-ifa.com or by telephone on 04 67 24 90 95.

     

    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
    http://www.spectrum-ifa.com/spectrum-ifa-client-charter/

    spectnewfootEmail: helplinecsfsud@gmail.com;  Website: www.cancersupportfrance.info

    Forum: http://csf.forum.org      Local Association No : W112000594

     

     

    Le Flyer est disponible dans d'autres langues via le site web, audeflyer.com

     

     Time on your hands?

     

    Reliable person required to look after 3 bed holiday rental in Carcassonne. Requires a few meet and greets followed by laundry and cleaning for changeover. Will need to speak English as my French is poor.

    Contact Kieran on 00447711084363 or visitcarcassonne@aol.com

     ETE 2017 FINAL AUDE

     

     

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    meteo ciel3

     

    CANCER SUPPORT FRANCE

    CYCLE FOR LIFE  2017  CANAL DU MIDI

    Come and ride with us!

    One in three people in the western world will suffer from some kind of cancer in their lifetime.Cancer and its treatment is difficult enough in your own country but in a new land and in a strange language it can be very, very, complex indeed.

    In 2002, Cancer Support France (CSF) was set-up to help people in exactly that situation, offering both emotional and practical help. Now, with a vast pool of knowledge and resources at their disposal, it helps thousands of people across the country.

    To raise awareness and funds for the charity and to support the fantastic and challenging work that they do for English speakers in France, CSF holds an annual event, ‘Cycle For Life’, and this year it is being held to celebrate the legacy and memory of the CSF Founder Linda Shepherd who worked tirelessly to ensure the success of the charity and who sadly died of cancer in March 2017.

    The ‘Cycle For Life’ ride will take place on June 22 to 25 starting in the Medieval city of Carcassonne and ending - with much celebration - at the coastal town of Sète, via the Canal du Midi, the Canal de la Robine and along a beautiful stretch of Mediterranean coast.

    It is not a race and everyone can take it at their own pace and do as few or as many days as they would like.  The whole route is 200km but there are four stages of 50km, 40km, 50km and 60km and you can start at any one of them. It is all low-level, suitable for novice cyclists, and families and riders of all ages are welcomed.

    ‘Vie and Velo’ cycle tour company can offer help with bike hire, bike transport or booking accommodation.  Denise from ‘Vie et Velo” says “We are very excited to be supporting ‘Cycle for Life’ this year as it not only benefits a great cause, but highlights some of the fabulous cycling to be had in the Languedoc. We expect it will be a great event for cycling enthusiasts of all levels“. 

    So, come and join us in a gentle meander through beautiful French countryside in the sunshine, sharing wonderful lunch stops, and enjoy the fun, food and of course wine! It is free to take part and you can raise money, if you wish, by asking people to sponsor you or to make a donation on www.alvarum.com Details of the ride are on www.csfcycleforlife.org and with a month to go, it is not too late to take part.

    Sponsors include Freewheeling France, LaFranglaiseWeb, Renestance and VideoProFrance.

     

     

     csf june 17 booksale

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    readers write

     

     

    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

    vide

    Samedi 17 Juin

    Coursan  Vide grenier

    Durban-Corbières  Vide grenier

    Montréal Vide grenier trésors caches

    Tournissan  Vide grenier

    Ussat  Vide grenier

    Dimanche 18 Juin

    Bize-Minervois  Vide grenier

    Carcassonne  Vide grenier brocante

    Couiza Vide grenier

    Coursan  Vide grenier

    Cuxac-Cabardès  Vide grenier brocante

    Cuxac-d’Aude  Vide grenier

    Espéraza  Vide grenier

    Gruissan  Vide grenier

    Leucate-Plage  Tante Marie vide ses greniers

    Limoux Vide grenier Flassian

    Montredon-des-Corbières  Vide grenier

    Narbonne-Plage  Vide grenier

    Narbonne  Vide grenier

    Palaja  Vide grenier

    Pennautier  Vide grenier

    Pépieux  Vide grenier

    Pezens  Vide grenier

    Quillan  Vide grenier chats libres

    Saint-Laurent-de-la-Cabrerisse  Vide grenier des Pompiers

    Villardonnel  Vide grenier de la musique

    Campagne-sur-Arize  Vide grenier

    Castillon-en-Couserans  Vide grenier

    Foix  Vide Atelier Artisanal

    Luzenac  Vide grenier

    Pamiers  Vide grenier brocante Place de la Republique

    Pamiers  Vide grenier

    Saint-Girons  Les puces du champ de mars

    Varilhes  Vide grenier sur la D624

     

    Samedi 24 Juin

    Coursan  Vide grenier

    Moussan  Vide grenier

    Saverdun  Vide grenier marche

    Siguer  Vide grenier

    Dimanche 25 Juin

    Alairac  Vide grenier

    Alzonne  Grand vide grenier de la pêche

    Brugairolles  Vide grenier

    Carcassonne  Vide grenier brocante

    Castelnaudary  Vide grenier brocante

    Coursan  Vide grenier

    Laserre de Brenac  Vide grenier

    Marseillette  Vide grenier

    Montolieu  Vide grenier Club des Retraités

    Narbonne  Vide grenier

    Paraza  Bourse aux armes anciennes et militaires

    Puicheric  Vide grenier

    Roquefort-des-Corbières  Vide grenier

    Saint-Pierre-la-Mer  Vide grenier

    Sallèles-d’Aude  Vide grenier

    Salles-d’Aude  Vide grenier des pompiers

    Trèbes  Vide grenier

    Villepinte  Vide grenier

    Banat  Vide grenier

    Besset  Vide grenier

    Garanou  Vide grenier

    La Bastide-sur-l’Hers  Vide grenier

    Le Mas-d’Azil  Vide grenier de l’école

    Pamiers  Vide grenier brocante

    Varilhes  Vide grenier brocante

       
     

     

     benny  Jim CareyVernissage 10 Juin 18hExpo du 10 Juin au 15 Juillet 2017 1

     

     

     

     


     els summer

    What's On 

     

     

    XAVIER RUDD 18 June Bikini Toulouse

    CARO EMERALD, DEE DEE BRIDGEWATER 6 July Cognac Blues Passions

    BEJART BALLET 9 July Carcassonne Festival

    MORCHEEBA- KEZIAH JONES 16 July Carcassonne Festival

    TRUST - EUROPE 21 July Carcassonne Festival

    BRYAN FERRY 23 July Carcassonne Festival

    PIXIES 27 July Carcassonne Festival

    TY SEAGALL 30 August Bikini Toulouse

    SATYRICON 2 October Metronum Toulouse

    BETH DITTO 3 October Bikini Toulouse

    ANGUS & JULIA STONE  20 oct Zenith Toulouse

    BLACK REBEL MOTORCYCLE CLUB 16 Nov Bikini Toulouse

    LEE FIELDS & THE EXPRESSIONS 19 Nov Bikini Toulouse

    TRUST 21 Nov Bikini Toulouse

    JAMIROQUAI 22 Nov Zenith Toulouse

    INDOCHINE 9 March Zenith Toulouse

    BODYGAURD 9/10 June Zenith Toulouse

     

     

    leshoriaire

     

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  • Flyer 7 July

    Aude and Ariege Flyer

    header7717 

     

    Bonjour

    It is nice to see Vladimir and Donald getting on so well at the summit.  What’s the likelihood he will pop over on Hair Force one to Heathrow on his way to America Made Great Again and be helicoptered to Buck House for his Queen visit?  Me thinks there will be some very noisy protests if he tries anything other than a virtually secret visit.

    Do you think these car companies phasing out the internal combustion engine are doing it to annoy his Donaldness?

     

    It could get a bit busy with private aircraft in London with the U2 boys playing Twickers over the weekend. 



    Good to see they took up my suggestion of knighting the Big Yin, long overdue.  

    Good health sir.

    The Tour de France doesn’t touch the region at all this year but I was interested to read that Robin Millar who won King of the Mountains in 1984 now has a new identity Phillippa York, he must now be Queen of the Mountains.  It’s a funny old world.



    Time to sit down with a nice cold glass of something and cheer on some Kontas and Murrays. 

     

    Steve

      

     

    Thousands of regular readers make the Flyer the place to be seen

    Lost in France

     

    The views expressed here are those of the writer and not of Steve.

     

     Dog cooling

    I wrote this when the temperature was in the high 30s and I needed to keep my dog cool. 

    Use a children’s paddling pool for dogs to cool off, that’s if you can get them to go in of course.  Throwing a treat in might help.

    For short haired black dogs who are particularly susceptible get them to wear a ‘cool coat’.  This is a coat made from faux chamois leather which you soak in cold water.  It will take a while to dry off in the sunlight so should keep at least their body cool but not their heads.

    Take for shorter walks or early in the morning or late at night.

    Take water and a small bowl with you to keep them hydrated when they are out.

    Depending on your animals sensitivity, put a fan on them as they lie down.  No use for mine as he will jump up as soon as one is put near him.

    I also received some more detailed instructions of what to do when a dog overheats which included:

    Take its temperature; a health dog’s should be 38 but could range from 37.2 to 39.2, dampen the coat and feet, and to encourage drinking of water add a splash of milk.  Do not give it drink with electrolytes as this will dehydrate and increase the salt levels.

    And finally, if the pavement is too hot for you to walk on with bare feet, it is for a dog too, so take care of the pads on their paws.

     

     

     


     

     

     

     

      

     angloeuropean

    nickcorrected

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    New Pension Transfer Rules!

    Those of you who are familiar with my past articles will know I have a certain affinity with the pensions landscape; indeed, in the I’m considered a bit of an expert on the subject.

    If you have read previous articles you will know that I have been quite critical of the Financial Conduct Authority’s seeming inability to keep up to date with developments in the UK pensions arena. Well up until the 21st June 2017, that is.

     

    In a complete reversal of previous ‘guidance’, the FCA has now eventually recognised that an individual’s circumstances differ from the next person’s. Up until now, the FCA’s default position regarding any request to transfer out of a defined benefit (final salary) pension scheme has been to view them as unsuitable. In other words, the emphasis (irrespective of a pension member’s situation), has been to decline such transfer requests, primarily because the FCA says it is not in the member’s interest to do so.

     

    The introduction of Pensions Freedom by then Pensions Minister, Steve Webb, presented the FCA with a challenge. On the one hand, here was the government releasing the constraints that pensions had been progressively bound up by from successive previous governments; whilst on the other, the FCA was continuing to protect the interests of the pensions companies, at the same time becoming increasingly more detached from the consumer, for whom it was supposed to serve.

     

    For the last two years, the FCA has struggled with the new pensions landscape, still believing that preserved former pension benefits, even those held within schemes that are only 50% funded, should remain where they are. The Pension Protection Fund, set up to protect members’ pensions where the employer has folded, is coming under increasing strain, because it is funded by all the other occupational pension schemes. As more schemes fold, the more the remaining schemes come under pressure. Clearly, therefore, something had to be done – those self-same members, now fearing their preserved pensions weren’t as guaranteed as they had been led to believe, wanted action.

     

    On 19th June, Steve Webb, now working for Royal London, reminded the FCA of its duties, warning it against ‘over-regulating’ DB Pension Transfers. The result? New ‘guidance’ (read ‘rules’ to us IFA’s) now focusing upon the individual member’s circumstances.  Without blowing my own trumpet, I’ve been saying this ever since Pension Freedoms came in in 2015. You could have knocked me down with a feather when I read about this volte-face. At last, it is not now just about critical yields and hurdle rates, it’s about applying financial planning assumptions to individual needs. If a client has sufficient other assets to fund retirement, why leave deferred benefits in a scheme where on your death (and that of your spouse or partner), the pension is lost? Tell that to your kids……

     

    “Johnny, you know you’re struggling to make ends meet, let alone build funds for your eventual retirement? We guess what, I’m going to leave my pension benefits in a scheme that will provide nothing for you on my death. How does that sound?”   Under Pension Freedom, you can pass unused pension funds to your children, if it is outside of a defined benefit scheme. How many parents wouldn’t want that for their children, once their own needs had been catered for?

     

    This is not to say that the floodgates have opened; we as advisers MUST assess the needs of not only the pension member, but also the family unit. We must assume something of a nanny role, helping our clients to plan for the future, to properly identify what capital and income will be available and when. There will be circumstances where the best advice is the comparative guarantee of an occupational pension income; for those people, the advice will be to remain a member of the scheme. But for a lot of people, this new FCA guidance will be seen as empowerment to take control of one’s own financial future. Our role as financial advisers is to provide help and support along the way. Proper financial planning.

     

    If you have personal or financial circumstances that you feel may benefit from a financial planning review, please contact me direct on the number below. You can also contact me by email at derek.winsland@spectrum-ifa.com or call our office in Limoux to make an appointment. Alternatively, I conduct a drop-in clinic most Fridays (holidays excepting), when you can pop in to speak to me. Our office telephone number is 04 68 31 14 10.

     

    I look forward to seeing you soon.

     

    Derek Winsland

    Chartered Financial Planner

    Mobile: 0771 71 95 52

    spectnewfoot

    csf july17

    Email: helplinecsfsud@gmail.com;  Website: www.cancersupportfrance.info

    Forum: http://csf.forum.org      Local Association No : W112000594

     

     

    Le Flyer est disponible dans d'autres langues via le site web, audeflyer.com

     

     Time on your hands?

     

    Reliable person required to look after 3 bed holiday rental in Carcassonne. Requires a few meet and greets followed by laundry and cleaning for changeover. Will need to speak English as my French is poor.

    Contact Kieran on 00447711084363 or visitcarcassonne@aol.com

     JAZZ 20.07 AUDE FLYER

     

     

     Montolieu hires

       

    58network

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     dontpanic

     
       

    meteo ciel3

     

     

     

     

    AMD Processors Good at last!ryzen content3ryzen content3

     

     

    After more than four years of work on the new"Zen" microarchitecture for their x86 processors, the beginning of 2017 heralds AMD's fresh attempt at recapturing the high-performance computing crown.

    After having previously abandoned this front in the eternal battle between David and Goliath (AMD and Intel), AMD has rolled out the heavy guns in the form of a cutting-edge processor design going by the name of Ryzen.

    Massive performance improvements in every respect mean that AMD's Ryzen quad-core (4), hexa-core (6) and octa-core (8) CPUs handily outperform their predecessors and combine innovative features with a pioneering platform as well as cutting-edge I/O interfaces. And yet AMD's new "Zen" architecture is so flexible and versatile that they can be installed into high-end desktop platforms as well as mainstream APUs utilising integrated graphics, and enabling the processors to scale from high-performance servers for data centres all the way down to fan-less mobile platforms, has brought forth an array of performance-enhancing features and characteristics to their intended fields.

     

    ryzen content2ryzen content2

     

    This is how the chip manufacturer intends to pave the way for a dazzling comeback, and AMD has laid the foundations to this approach for the next few years on the broad shoulders of the AM4 platform. As the underdog in the battle for supreme processing power, AMD continues to offer their customers an extremely attractive price-to-performance ratio in the new range of Ryzen CPUs.

    The new Ryzen processor for Laptops which was announced earlier this month is eagerly anticipated by the computer industry and users alike as it will be high performance but at a significantly lower price than the Intel processors.  While perhaps not being quite as energy efficient as the Intel processors the AMD processors should give around 7 to 9 hours battery life compared to the 8 to 10 hours of the Intel chips.

    While much of this might not mean very much to most people what you will notice is faster and more competitively priced computers appearing. AMD based computers have always been cheaper than Intel based computer at the cost of speed, AMD were notoriously slow and therefore I never recommended anyone to them to buy. Many people did buy AMD based laptops because of their low price and were very disappointed with the speed, now this will change with the new Ryzen processor.

    So when you are buying your next computer look for AMD Ryzen, as well as Intel Core “i” the AMD Ryzen is likely to be both cheaper and faster.

    AMD have also announced a super processor called the Threadripper a hugely powerful 18 core chip and well beyond what any normal computing will require, its for the people that need huge amounts of processing power and crunching numbers on a mammoth scale.

    On top of this Intel have also announced a new Core i9 processor hugely powerful and hugely expensive to compete with AMD. The race for the home super computer is on and it will be interesting to see where it goes, it can only be good news as eventually it will lead to faster computers at lower prices.   

    If you need help or have any questions about your computer please give me a call or send me an email for advice. 

    BTP long banner700x100

     

    readers write

     

     

    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

    vide

    Samedi 8 Juillet

    Capendu  Vide grenier nocturne

    Coursan  Vide grenier

    Limoux  Vide grenier des sapeurs pompiers

    Paziols  Vide grenier

    Pamiers  Vide grenier

    Saverdun  Vide grenier marché aux puces

    Dimanche  9 Juillet

    Arzens  Vide grenier

    Carcassonne Vide grenier d’été

    Carcassonne  Vide grenier brocante

    Chalabre  Vide grenier

    Coursan Vide grenier

    Cruscades Vide grenier

    Cuxac-Cabardès  Vide grenier

    Espéraza  Vide grenier de la feria’za

    Lagrasse  Brocante vide grenier

    Laure-Minervois  1er vide grenier du club de petaque

    Leucate-Plage  Tante Marie vide ses greniers

    Marseillette  Vide grenier

    Mazuby  Vide grenier

    Montréal  Vide grenier marché artisanal

    Montséret  Vide grenier d’été

    Narbonne  Vide grenier nocturne

    Peyriac-de-Mer  Vide grenier

    Rieux-Minervois  Bourse moto et vide grenier

    Castillon-en-Couserans  Vide grenier

    La Bastide-de-Sérou  Vide grenier

    Pamiers  Vide grenier brocante

    Saint-Girons  Puces du balagué

    Varilhes  Vide grenier 

    Jeudi 13 Juillet

    Moussoulens  Bourse moto voiture tracteur vintage

    Vendredi 14 Juillet

    Argeliers  Vide grenier annuel

    Carcassonne  Vide grenier brocante

    Moussoulens  Bourse moto voiture tracteur vintage

    Bompas  Vide grenier

    Carla-Bayle  Vide grenier

    Varilhes  Vide grenier

    Samedi 15 Juillet

    Coursan  Vide grenier

    Port Leucate  Tante Marie vide ses greniers

    Cazavet  Vide grenier

    Foix  Vide grenier des pompiers

    Dimanche 16 Juillet

    Alzonne  Mega Vide grenier

    Carcassonne  Vide grenier brocante

    Coursan  Vide grenier

    Fontiers-Cabardès  Vide grenier

    Narbonne  Vide grenier nocturne

    Trausse-Minervois  Vide grenier foire artisanale

    Castelnau-Durban  Vide grenier annuel

    Laroque-d’Olmes  Vide grenier

    Pamiers  Vide grenier brocante

    Saint-Girons  Les puces du champ de mars

    Soueix  Vide grenier

    Varilhes  Vide grenier

       
     

     

     benny

    kelly kelly

     

     

     

     


     els summer

    What's On 

     

     

    XAVIER RUDD 18 June Bikini Toulouse

    CARO EMERALD, DEE DEE BRIDGEWATER 6 July Cognac Blues Passions

    BEJART BALLET 9 July Carcassonne Festival

    MORCHEEBA- KEZIAH JONES 16 July Carcassonne Festival

    TRUST - EUROPE 21 July Carcassonne Festival

    BRYAN FERRY 23 July Carcassonne Festival

    PIXIES 27 July Carcassonne Festival

    TY SEAGALL 30 August Bikini Toulouse

    SATYRICON 2 October Metronum Toulouse

    BETH DITTO 3 October Bikini Toulouse

    ANGUS & JULIA STONE  20 oct Zenith Toulouse

    ROYAL BLOOD 21 Oct Zenith Toulouse

    BLACK REBEL MOTORCYCLE CLUB 16 Nov Bikini Toulouse

    KODALINE 17 Nov Bikini Toulouse

    LEE FIELDS & THE EXPRESSIONS 19 Nov Bikini Toulouse

    TRUST 21 Nov Bikini Toulouse

    JAMIROQUAI 22 Nov Zenith Toulouse

    INDOCHINE 9 March Zenith Toulouse

    BODYGAURD 9/10 June Zenith Toulouse

    TOTO 26 March Zenith Toulouse

     

     

    leshoriaire

     

    ADVERTISING RATES 
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    Give away items

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  • Flyer 20 July

    Aude and Ariege Flyer

    header 20717 

     

    Bonjour

    The Beeb really could have done without publishing their talents’ salaries as it has just created a rather good shopping list from which other channels can poach.  It says it all when Alex Jones, Alan Shearer and Andrew Marr are on the same scale.  

    The reality is though, as soon as they would move elsewhere their careers would wane.   Robert Peston was always hard to take seriously on the BBC, now he is wherever he is and he feels less convincing than Jeremy Kyle. 

    I must say I feel Jeremy Vine may have stretched the elastic a little thin.  And, as Clare Balding is used pretty much on every sports program, unless her salaries are put through her production company, she is on about minimum wage.

    Maybe Auntie needs to be taking part of the money these chaps make from being famous via the TV, when they open Fetes, do crisp ads and the like?

      

    I had another reader decide to leave Flyer readership because of my “Trump bashing”.  I don’t think I need to say anything at all. Don tweets his own epitaph.

    It’s good to see all the plans being slipped into place to deal with the UK leaving the common market.  At what point will the proletariat understand that whilst the structure of EU parliament is rather wasteful there are some advantages and that Britain without Johnny foreigner will not work.

    Is there a simple place to purchase bottled or canned British beer locally?

    Oh yes and of course the TDF has hit the region.

    Try and go to see and hear Hazel O Connor, it’s a treat.

    Steve

      

     

    Thousands of regular readers make the Flyer the place to be seen

    Lost in France

     

    The views expressed here are those of the writer and not of Steve.

     that one

    As the morning dragged on I managed to walk in the suffocating heat.  I walked slowly round the vineyards dragging a recalcitrant and panting dog.  Periodically I stopped to give him water and even managed to let him off the lead to walk ahead.  I chatted to someone gathering dry grass in a field.  I stopped again to give the dog water.  We walked slowly up the hill to the centre of the village.  Finally a bit of shade.  We stopped and the dog took water again. 

    He stood panting as I went to open the front door.  My bag has many sections and as I looked through all of them not one contained my keys.  The heat was impenetrable and weighing down on me, I was exhausted, I nearly wept.  I was panting, the dog was panting and we couldn’t get into the shade of the house.  No bloody keys.

    I rang the bell, got into the house and grabbed my car keys.  I’d never driven round the vineyards in my Noddy car before.  No four-wheel drive for me.  Why did I think I would be able to see a set of keys lying in the grass (if they were in the grass) from the front seat of my car?  Nevertheless I continued with my idea slowly driving down the hill, up the hill, down into the vineyard.  I did think about turning back but there was really nowhere to turn and I didn’t want to be responsible for mowing down a vine so I carried on.  Drove down the hill and across the bottom of the vineyard.  Saw a shady spot and thought this would be a good place to park the car and walk off in either direction to search.  I stopped, kept the motor running as who knows I might get stuck?  Got out of the car and walked a meter behind the car and there shining in the grass were my keys.  Come to me my treasure in a Gollum voice.  My keys resting, waiting to be found.

    Hilariously and hysterically happy for an instant then I remembered losing keys once is never an option, it always seem to come in threes.

     angloeuropean

    nickcorrected

     Ad 2017  chateau h small
     

     

    Forward this Flyer to friends and anyone else you know who may find it useful

    61specto

    Ignorance is not always bliss…………..

     

     

    ………..and, in the context of not structuring your investments to the tax regime of the country in which you reside, it can prove to be very costly.

     

    Let’s take the scenario of the savings conscious UK investor who, over the years, has used some of their available cash to build up a nice portfolio of tax-free investments in ISA wrappers, but then decides to take up residency in France. From the date of moving to France the tax-free status of UK ISA is not recognised in France and any income or capital gains arising from the ISA portfolio become liable to French tax.

     

    Not everyone is aware of the tax efficient structures available in France for longer term savings, the most popular of which is far and away the Assurance Vie, and, as a consequence, suffers the pain of incurring tax liabilities where there were none previously, not to mention the extra administrative burden (and accountancy costs) associated with completing the end of year tax return. In addition, they are missing out on the compounding effect that any unnecessary taxes would have on the growth of the portfolio, which, in itself, is a crucial factor which should not be underestimated.

     

    It’s not only the tax-efficiency of ISAs that is affected but, if you have a UK financial adviser advising you on the management of your investments, then it is unlikely that they will be able to continue to give you appropriate advice due to your change in residency and tax regime. You probably wouldn’t have sought the advice of a French regulated IFA to manage your UK investments when you lived in the UK so it doesn’t make sense to expect a UK regulated IFA to advise you when living in a different tax jurisdiction to the one in which they are qualified and regulated.

     

    Of course, making the switch from UK tax efficient savings to French tax efficient savings may not be without some cost at the beginning – but the longer term benefits are highly likely to far outweigh any initial cost. If you have not yet become French resident, by taking the initiative and disposing of your ISA portfolio beforehand, there would be no tax implications whatsoever.

     

    An added attraction to the Assurance Vie is that there is no limit to how much can be invested and the longer you hold them the more tax-efficient they become. In addition, this type of investment is highly efficient for mitigating the potential French inheritance taxes so that your heirs can receive more of your wealth, instead of the French State.

     

    The very popular Tour de Finance is once again coming to the stunning Domaine Gayda in Brugairolles 11300, So, if you are concerned about your investments and pensions in a post-Brexit world why not join us at this very popular event where you can meet the team in person and listen to a number of industry experts in the world of financial advice. This year’s event will take place on Friday 6th October 2017. Places are by reservation only and it is always well attended so book your place early by giving me a call or dropping me an email. Our speakers will be presenting updates and outlooks on a broad range of subjects, including:

    Brexit
    Financial Markets
    Assurance Vie
    Pensions/QROPS
    French Tax Issues
    Currency Exchange

    With a newly elected French government now in office and the forthcoming publication of the French Projet de Loi in the Autumn, the seminar will be an ideal opportunity to find out how any potential French tax changes may affect you, particularly as President Macron has promised changes to the wealth tax regime.

     

    Financial advice is needed more than ever in uncertain times and doing nothing can often be an expensive mistake. Hence, if you would like to attend the seminar or would like to have a confidential discussion about your financial situation, you can contact me by e-mail at sue.regan@spectrum-ifa.com or by telephone on 04 67 24 90 95.

     

    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
    http://www.spectrum-ifa.com/spectrum-ifa-client-charter/

    spectnewfoot

    csf aug 17

     

    Email: helplinecsfsud@gmail.com;  Website: www.cancersupportfrance.info

    Forum: http://csf.forum.org      Local Association No : W112000594

     

     

    Le Flyer est disponible dans d'autres langues via le site web, audeflyer.com

     

     Time on your hands?

     

    Reliable person required to look after 3 bed holiday rental in Carcassonne. Requires a few meet and greets followed by laundry and cleaning for changeover. Will need to speak English as my French is poor.

    Contact Kieran on 00447711084363 or visitcarcassonne@aol.com

     SUMMER PROGRAMME 2017 FINAL AUDE

     Montolieu hires

       

    58network

    russelcoope14

       

     dontpanic

     
       

    meteo ciel3

     

    If you are caring for someone with dementia, then you may want to go along to a new English speaking support group based in the Limoux area. The group is being organised by Vicky McLean, a former nurse and Social Services Care Manager with many years’ experience in caring for people with dementia She was also a specialist trainer for care staff working with people with dementia and has previously run a successful and well attended relatives support group. If you want to meet other carers like yourself, to offer mutual support, and get informed advice on some of the more challenging aspects of caring for someone affected by dementia then do go along to their first meeting being held upstairs at the Bar Commerce, Place de la République, Limoux at 3pm on 20th September. If you want more information or advice you can contact Vicky on 0626 80 72 06

     

     

     dean2017

    BTP long banner700x100

     

    readers write

    If you are caring for someone with dementia, then you may want to go along to a new English speaking support group based in the Limoux area. The group is being organised by Vicky McLean, a former nurse and Social Services Care Manager with many years’ experience in caring for people with dementia She was also a specialist trainer for care staff working with people with dementia and has previously run a successful and well attended relatives support group. If you want to meet other carers like yourself, to offer mutual support, and get informed advice on some of the more challenging aspects of caring for someone affected by dementia then do go along to their first meeting being held upstairs at the Bar Commerce, Place de la République, Limoux at 3pm on 20th September. If you want more information or advice you can contact Vicky on 0626 80 72 06

    Shame on you, Steve,  the tour is in the Ariege on July 14 going fro St Girons to Foix. 

    Mike Grayson

     

     

    The "Flyer is no longer about the Aude and Ariege.  It has become your political diatribe and typical brit Trump bash.  It is your right to say what you will, even if you don't know what you're talking about.  As a consequence, it is time for me to unsubscribe.  Prattle to your kindred.

    MJM

     

    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

    vide

    Dimanche 23 Juillet

    Axat  Vide grenier

    Carcassonne  Vide grenier brocante

    Caves  Vide grenier

    Coursan  Vide grenier

    Cruscades  Vide grenier

    Leucate La Franqui  Tante Marie Vide ses Greniers

    Limoux  Foire à la Brocante

    Marseillette  Vide grenier

    Routier  Vide grenier et marché gourmande

    Saint-Michel-de-Lanès  Vide grenier annuel

    Sallèles-d’Aude  Festival Eau, Terre et Vin

    Sigean  Super vide grenier

    Talairan  Vide grenier d’été

    Bélesta  Vide grenier

    Capoulet-et-Junac  Vide grenier

    Castillon-en-Couserans  Vide grenier

    Lagarde  Vide grenier

    Lesparrou  Vide grenier

    Pamiers  Vide grenier brocante

    Pech  Vide grenier

    Saint-Girons  Vide grenier

    Saint-Jean-du-Falga  Vide grenier

    Seix  Vide grenier et marché nocturne

    Mardi 25 Juillet

    Fleury d’aude  Vide grenier

    Mercredi 26 Juillet

    Rieux-Minervois  Vide grenier semi-nocturne

    Samedi 29 Juillet

    Campagne-sur-Aude  Vide grenier

    Coursan  Vide grenier

    Espezel  Vide grenier et fête

    Roquefort-des-Corbières  Vide grenier nocturne

    Serres  Vide grenier de la fête annuelle

    Foix Brocante d’été

    Dimanche 30 Juillet

    Carcassonne  Vide grenier brocante

    Coursan  Vide grenier

    Leucate-Plage  Tante Marie vide ses greniers

    Lézignan-Corbières  Vide grenier

    Narbonne  Vide grenier nocturne

    Ornaisons  Vide grenier d’été

    Raissac-sur-Lampy  Vide grenier

    Saint-Denis  Vide grenier

    Saint-Pierre-des-Champs  Vide grenier

    Bédhilhac-et-Aynat  Vide grenier

    Besset  Vide grenier

    Foix  Brocante d’été

    La-Bastide-de-Besplas  Vide grenier, brocante et artisanat

    Pamiers  Vide grenier brocante

     

    Samedi 5 Août

    Aunat  Vide grenier et fête locale

    Coursan  Vide grenier

    Limoux 10e Bourse d’Échanges autos, motos, tracteurs

    Port Leucate  Tante Marie vide ses Greniers

    Saint-Girons  Vide grenier

    Vicdessos  Vide grenier annuel

    Dimanche 6 Août

    Bizanet  Vide grenier annuel

    Carcassonne  Vide grenier brocante

    Carlipa  Vide grenier brocante

    Chalabre  Vide grenier brocante

    Coursan  Vide grenier

    Cruscades  Vide grenier

    Leucate La Franqui  Tante Marie vide ses greniers

    Limoux 10e Bourse d’Échanges autos, motos, tracteurs

    Limoux  Brocante mensuelle

    Mazouby  Vide grenier

    Narbonne  Vide grenier Cap de Pla

    Narbonne  Vide grenier nocturne

    Padern  Vide grenier

    Saint-Ferriol  Vide grenier

    Villalier  Vide grenier

    Mazères  Vide grenier mensuel

    Pamiers  Vide grenier brocante

    Saint-Julien-de-Gras-Capou  Vide grenier

    Saint-Lizier  Marché aux puces

    Varilhes  Vide grenier brocante

    Vaychis  Vide grenier

    Lundi 7 Août

    Verniolle  Vide grenier

    Jeudi 10 Août

    Barbaira  Vide grenier et marché nocturne

    Vendredi 11 Août

    Tuchan  Vide grenier et la fête locale

    Villesequelande  Vide grenier nocturne

    Samedi 12 Août

    Coursan  Vide grenier

    Marcorignan  Vide grenier, marché aux puces

    Portel-des-Corbières  Grand vide grenier brocante

    Saint-Girons  Salon antiquités brocante

    Soulan  Vide grenier

    Dimanche 13 Août

    Alet-les-Bains  Vide grenier

    Carcassonne  Vide grenier brocante

    Coursan  Vide grenier

    Fanjeaux  Vide grenier, brocante, foire artisanale, marché gourmand

    Fontcouverte  Vide grenier

    Lagrasse  Brocante vide grenier

    Leucate  29e Bourse Multi-Collections

    Marseillette  Vide grenier

    Narbonne  Vide grenier nocturne

    Rodome  Vide grenier de la fête

    Rouvenac  Vide grenier

    Termes  Vide grenier

    Freychenet  Vide grenier

    Ornolac-Ussat-les-Bains  Vide grenier

    Pamiers  Vide grenier brocante

    Saint-Girons  Puces du balagué

    Saint-Girons  Salon antiquités brocante

    Soueix  Vide grenier

    Varilhes  Vide grenier

       
     

     

        

     

     margeurites

     

     

     Shakespeare with logo final


     els summer

    What's On 

    TRUST - EUROPE 21 July Carcassonne Festival

    BRYAN FERRY 23 July Carcassonne Festival

    PIXIES 27 July Carcassonne Festival

    TY SEAGALL 30 August Bikini Toulouse

    SATYRICON 2 October Metronum Toulouse

    BETH DITTO 3 October Bikini Toulouse

    ANGUS & JULIA STONE  20 oct Zenith Toulouse

    ROYAL BLOOD 21 Oct Zenith Toulouse

    BLACK REBEL MOTORCYCLE CLUB 16 Nov Bikini Toulouse

    KODALINE 17 Nov Bikini Toulouse

    LEE FIELDS & THE EXPRESSIONS 19 Nov Bikini Toulouse

    TRUST 21 Nov Bikini Toulouse

    JAMIROQUAI 22 Nov Zenith Toulouse

    INDOCHINE 9 March Zenith Toulouse

    BODYGAURD 9/10 June Zenith Toulouse

    TOTO 26 March Zenith Toulouse

     louvshant

     

    leshoriaire

     

    ADVERTISING RATES 
    The following prices are for one insertion in the Flyer email news letter unless otherwise stated

         

    Give away items

    FREE

    1 image and 25 words, plus contact details

    All items for sale inc Motor vehicles, boats, caravans & trailers

    25 €

    1 image and 25 words, plus contact details in 3 editions

         

    Property for sale - land, houses, businesses

    50 €

    up to 8 images and 500 words, plus contact details - your own property web page linked to the "Property Page" section of the Flyer for 13 editions

    Large Display Advert - Corporate

    100€

    Finished artwork to be 756 pixels by 200 pixels landscape or 378 pixels by 400 pixels portrait

    Standard Display Advert - Corporate

    50€

    Finished artwork to be 378 pixels by 200 pixels landscape

    Large Display Advert - Small Companies and Sole Traders (at my discretion)

    50€

    Finished artwork to be 756 pixels by 200 pixels landscape or 378 pixels by 400 pixels portrait

    Standard Display Advert - Small Companies and Sole Traders (at my discretion)

    25 €

    Finished artwork to be 378 pixels by 200 pixels landscape

    What's on feature advert

    35 €

    Finished artwork to be 378 pixels by 515 pixels portrait

    Advertising
    information about advertising rates and specifications.
    informations sur les tarifs publicitaires et specifications.
    Send details to of your advert to Steve Hedges.
    Please note all text (unless in a finished advert) should be Plain Text,

    Finished adverts should be submitted in jpeg format 378 pixels wide

    Email your text, pictures and contact information to mail@audeflyer.com

  • Flyer 3 August somewhat late

    Aude and Ariege Flyer

    header 13 817 

     

    Bonjour

    It is so nice to see the Cru Malepere Apellation back on track promoting itself, perhaps unfortunately without its long extinct annual wine event moving around the villages.  However this initiative of Jeudi evenings, with a few wineries joining in on each Thursday is a fine thing.  There is still time to get yourself down to evenings of wine and merriment and even some music.

    Roll on the Jeudi knights, did you see what I did there?

    So your daughter lets you know she’s getting married, and wants it to be at the local because of availability,  it is decided that it will be at home.  Home is eminently suitable with lots of space on the terrace.  So, as you do, I volunteered to cater, and with the help of coerced friends and family we did just that.

    It was only four courses but it was for about 90 people, it ran for 6 hours and it was 35 degrees during the day.  Then there was rain forecast and the majority of the 90 people all had an opinion about if it would arrive.

    Tables were set in the barn.  Then the tables and 90 chairs were moved outside and re-set in the garden.  The rain fell just as the tables were ready so the tables were quickly re-established in the barn.  So when the rain stopped it did look terribly like they would all come out again. But the okey-cokey tables stayed put. 

    Either side of the actual wedding day there were people around helping set everything up so there can’t have been a meal prepared for days either side of wedding day that didn’t need close to 20 people to be fed a few times a day.

    I am only telling you this to mitigate my lateness in sending the Flyer.  The marriage was just over a week ago now and it may well take a month for me to recover.

    A word of advice, the price quoted by a venue for such an event is usually not excessive and may be the best way to go.   But there is something very satisfying in assisting with such an event and bringing people together with your and friend and family efforts rather than a bank transfer.

    I however dont recomend making a habit of it

    Hair wars continue I see, what is it with dictators and hairstyles?

    Steve

      

     

    Thousands of regular readers make the Flyer the place to be seen

    Lost in France

    The views expressed here are those of the writer and not of Steve.

     

    LIF imageAt some point in the next few months, all being well, we will return to the UK.  It may be madness or it may be fine.  We will be returning to a different country we left 5 years ago.   So from that point on this little piece will either be ‘Lost in England’ or someone else will take over ‘Lost in France’. 

    If there is anyone out there who would like to take up the second option, please contact me via the flyer and we can discuss. 

    ‘Lost in England’ might also be an interesting option now that, that thing…. Begins with a ‘B’ and ends with a ‘t’ and has an ‘x’ in it is happening.  Any time I have been back to the UK since leaving in 2012, I’ve loved it.  I have also heard people saying that when the first sense of euphoria wears off they want to be back in France.  I don’t know.

    Does anyone out there have any stories to tell of their return to the UK, or indeed their plan to move to France?  I’d love to hear them and possibly the Flyer community would too.

    A vigneron summed it up perfectly this morning when he saw me dragging myself up a hill in the midday sun, ‘Vous êtes en pleine folle’.  He doesn’t know what we are planning but he’s not wrong on. 

     

     

     

     angloeuropean

    nickcorrected

     Ad 2017  
     

     

    Forward this Flyer to friends and anyone else you know who may find it useful

    61specto


    COMMON REPORTING STANDARDS

     

     

    Over the last few weeks, I’ve witnessed the application of the Common Reporting Standards initiative in action. Firstly, from my bank HSBC requesting information to be transmitted to the tax authorities both here in France as well as in UK. This week, I received an email from a client who has also received a letter again from HSBC enquiring about his residency.

    It’s clear that the sharing of financial information between tax authorities of different countries is now in full swing. Annual reporting by every financial institution into its own tax authority was introduced in January 2016 and I’m seeing more and more examples of this in operation. For the tax authorities, residency is the main focus - where has the individual declared residency, and where are that person’s assets held.

    We’re at the stage now where that information is being studied by local tax offices and enquiry letters being sent. But what information is being shared? Overseas bank accounts are the most common example, hence HSBC and others enquiring about an account holder’s residency status. Other examples include investment bonds held overseas, ISA accounts, unit trust and investment trust portfolios, share accounts, premium bonds…. the list goes on.

    With investments held outside of an insurance-based investment bond, any change of fund either through switching or closure could be liable to capital gains in the hands of the investor, so your local tax office is sure to be interested in learning about this. Income drawn from certain, non-EU jurisdiction investment bonds are viewed very differently here in France. And remember, ISAs carry no tax advantages here, so any switches, partial encashments, or sales of funds made by a UK financial adviser or investment manager could have repercussions for the investor resident in France.

    If you’re tax resident in France, you are obliged to list all overseas investments and accounts on your annual tax declaration; non-disclosure can result in fines ranging from €1,500 per account up to €10,000 depending on where the account is held. These fines are also per year of non-disclosure.

    Quite often we see situations where doing nothing has proved to be an expensive mistake so if ever there was a time to get your financial affairs in order, it is now before the Fisc comes calling. If you’re resident in France, your local tax office can look back through previous years as well, so long forgotten ISAs cashed in can potentially appear on its radar.

     

    If you would like information on how best to re-organise your investments to make them tax-compliant, we are staging the latest in our series of popular Tour de Finance events in the Limoux area on Friday 6th October. Open to everyone, the event, held at Domaine Gayda in Brugairolles is now in its ninth year. Always a popular event, you are urged to order tickets well in advance. There will be a series of short presentations during the morning, culminating with lunch and an opportunity to sample the local wines. If you would like to attend, please email me for your tickets, numbers are limited, so I urge you not to delay.

    Subjects covered during the morning include:
    Brexit
    Financial Markets
    Assurance Vie
    Pensions/QROPS
    French Tax Issues
    Currency Exchange

    If you have personal or financial circumstances that you feel may benefit from a financial planning review, please contact me direct on the number below. You can also contact me by email at derek.winsland@spectrum-ifa.com or call our office in Limoux to make an appointment.

    Alternatively, I conduct a drop-in clinic most Fridays (holidays excepting), when you can pop in to speak to me. Our office telephone number is 04 68 31 14 10.

    I look forward to seeing you soon.

    Derek Winsland
    Chartered Financial Planner
    Mobile: 0771 71 95 52

     

    spectnewfoot

     csf13817

     

    Email: helplinecsfsud@gmail.com;  Website: www.cancersupportfrance.info

    Forum: http://csf.forum.org      Local Association No : W112000594

     

     

    Le Flyer est disponible dans d'autres langues via le site web, audeflyer.com

     

     

     SUMMER PROGRAMME 2017 FINAL AUDE

     Montolieu hires

       

    58network

    russelcoope14

       

     dontpanic

     
       

    meteo ciel3

     

    If you are caring for someone with dementia, then you may want to go along to a new English speaking support group based in the Limoux area. The group is being organised by Vicky McLean, a former nurse and Social Services Care Manager with many years’ experience in caring for people with dementia She was also a specialist trainer for care staff working with people with dementia and has previously run a successful and well attended relatives support group. If you want to meet other carers like yourself, to offer mutual support, and get informed advice on some of the more challenging aspects of caring for someone affected by dementia then do go along to their first meeting being held upstairs at the Bar Commerce, Place de la République, Limoux at 3pm on 20th September. If you want more information or advice you can contact Vicky on 0626 80 72 06

     

     

    jeudis

    BTP long banner700x100

     

    readers write

    Dear Steve

     

    Your editorial was incomprehensible to me!  I do not watch British television and like to read the Flyer to know what is happening in the Aude and Ariège.

    Best wishes

    Carolyn

     

     

    should go f&%$ themselves

    there, i've said it for you

    --

    Phil 

     

    Steve, your single reader may have unsubscribed because of your supposed "Trump bashing," but my guess is that he's in a minority of one. I'm American and as far as I'm concerned, you can bash away!

    Best,

    Randy Lofficier

     

    Hi Steve,

    Your question about British beer.

    Since it has been absent from the local supermarkets we have used www.saveur-biere.com who have a good selection of UK beers.

    Provided the weight is 23 kilos or less they will deliver it to a Point Relais (we used one in Limoux) for less than 4€

    Best,

    Grahame.


    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

    vide

    Lundi 14 Août

    Argeliers Grand vide grenier

    Fitou  Vide grenier brocante

    Saint-Girons  Salon antiquités brocante

    Mardi 15 Août

    Carcassonne Vide grenier brocante

    Conilhac-Corbières Vide grenier de la Sabatiera

    Fontiers-Cabardès  Vide grenier

    Montlaur  Fête du vin, vide grenier

    Peyriac-de-Mer  Vide grenier

    Mijanès  Vide grenier

    Montségur  Vide grenier

    Tarascon-sur-Ariège  Vide grenier

    Samedi 19 Août

    Alaigne Foire à tout, vide grenier

    Coursan  Vide grenier

    Porte-Leucate  Tante Marie vide ses greniers

    Dimanche 20 Août

    Belvèze-du-Razès  Vide grenier et fête aux arpents

    Coursan  Vide grenier

    Labécède-Lauragais  Vide grenier

    Leucate-Plage  Tante Marie vide ses greniers

    Limoux  Grand Foire à la brocante

    Porte-la-Nouvelle  Vide grenier

     

    Quillan  Vide grenier

    Sigean  Vide grenier

    Montardit  Vide grenier

    Oust  Vide grenier fête locale

    Pamiers  Vide grenier brocante

    Saint-Girons  Salon antiquités brocante

    Varilhes  Vide grenier brocante

    Samedi 26 Août

    Coursan  Vide grenier

    La Digne-d’Amont  Vide grenier nocturne

    Palairac  Brocante et vide grenier

    Foix  Belle brocante d’été

    Dimanche 27 Août

    Bram  Vide grenier de quartier

    Carcassonne  Vide grenier brocante

    Caunes-Minervoix  Vide grenier

    Coursan  Vide grenier

    Hounoux  Vide grenier de la Fête d’été

    Monze  Grand vide grenier d’été

    Narbonne  Vide grenier nocturne

    Puicheric  Vide grenier et marché aux puces

    Saint-Jean-de-Paracol  Vide grenier

    Saint-Marcel sur Aude  Vide grenier

    Saissac  Vide grenier

    Sigean  Vide grenier

    Castillon-en-Couserans  Vide grenier

    Foix  Belle brocante d’été

    Montaut  Vide grenier

    Montoulieu  Vide grenier

    Pamiers  Vide grenier brocante

    Varilhes  Vide grenier 

       
    ADOLFTRUMP7

     TUBBIES

        

     

     margeurites

     

     

     


     els summer

    What's On 

     

    TY SEAGALL 30 August Bikini Toulouse

    SATYRICON 2 October Metronum Toulouse

    BETH DITTO 3 October Bikini Toulouse

    ANGUS & JULIA STONE  20 oct Zenith Toulouse

    ROYAL BLOOD 21 Oct Zenith Toulouse

    BLACK REBEL MOTORCYCLE CLUB 16 Nov Bikini Toulouse

    KODALINE 17 Nov Bikini Toulouse

    LEE FIELDS & THE EXPRESSIONS 19 Nov Bikini Toulouse

    TRUST 21 Nov Bikini Toulouse

    JAMIROQUAI 22 Nov Zenith Toulouse

    LONDON GRAMMAR 5 Dec Zenith Toulouse

    MOSCOW CIRCUS ON ICE 20 Dec Zinga Zanga Beziers

    INDOCHINE 9 March Zenith Toulouse

    BODYGAURD 9/10 June Zenith Toulouse

    TOTO 26 March Zenith Toulouse

     

     

    leshoriaire

     

    ADVERTISING RATES 
    The following prices are for one insertion in the Flyer email news letter unless otherwise stated

         

    Give away items

    FREE

    1 image and 25 words, plus contact details

    All items for sale inc Motor vehicles, boats, caravans & trailers

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    1 image and 25 words, plus contact details in 3 editions

         

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    50 €

    up to 8 images and 500 words, plus contact details - your own property web page linked to the "Property Page" section of the Flyer for 13 editions

    Large Display Advert - Corporate

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    Advertising
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    informations sur les tarifs publicitaires et specifications.
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    Email your text, pictures and contact information to mail@audeflyer.com

  • Flyer 24 August

    Aude and Ariege Flyer

    header2417

     

     

     

    Bonjour

    Well the sun beats down as it was supposed to last month, but is there  about tobethealmightythunder storm of August after which the temperature drops 5 degrees. Meteo say there is one due on Wednesday  actually and the heat is projected to tumble.

    Word has it that Britiain has had hot and sunny August Bank Holiday weekend , maybe that historic event is what has turned the Uk Labour parties thinking on things European?  A transitional period for staying in the customs union and the single market  and a free movement of labour. Clearly Sir Keir Hardie oops Starmer has been out in his St Pancras and  Holborn constituency and understood what buffers the economy in his own stamping ground would hit if Johnny foreigner was asked to leave

    President Macrons popularity has slipped to substantially below where Hollande and Sarkozy was at the same time after being elected. Perhaps its caused by him taking a hadrd line civil servant salary increases, labour reform programme along with budget and public speding cuts, sit tight and follow through Manny you may get there.

    We can look forward to less of a stampede in the stationary aisle at the supermarket once everyone has made their extensive purchases for their children’s rentree

     

     

     

    Steve

     

     

    Thousands of regular readers make the Flyer the place to be seen

     

     

    Lost in France

     

    The views expressed here are those of the writer and not of Steve.

     

    cancesupport walkfor lifeI honestly did not think this would work.  There are so many dodgy builders, of all nationalities but here my experience has been mainly with French, Algerian and English. 

     

    I may have mentioned before the problem we have had with our roof.  Leaking continually from the velux.  The original builders who fitted the velux, I’m not sure they had ever fitted one before they certainly hadn’t done anything that required an eye for detail before.

     

    We had fixed it ourselves.  Paid an English roofer to come and fix it.  Paid a French builder a substantial amount more to fix it.  After every fix it leaked.  We were so annoyed with the extortionate amount the French builder charged us (five days labour reduced to 3 days, second hand flashing and glue everywhere) that we had him back three times to repair, correct and fix the roof and the velux.  In the end we gave up, they couldn’t get it right, the standard was poor and they just couldn’t see it.   Everyone he sent round had one thought in mind, well two thoughts actually, how to bodge it and how to scarper. 

     

    Ultimately the problem remained.  I discovered that the French builder’s company had gone into liquidation.  I pretended not to know and got him to come round again.  I asked for a refund, knowing full well it wouldn’t happen but he did say that I should make a claim through his insurers.  I made him write out in French the exact wording of the letter I should send to them and I must admit I did this for pleasure rather from necessity. 

     

    After much to-ing and fro-ing providing documentation etc, a specialist builder employed by the insurance company finally came round to examine the damage.  He explained he was permanently busy and never short of work due to the poor standard of workmen in the area.  This was in May.  Finally this week we heard back from the insurers. We received a cheque for over €1000.  It’s not a huge amount but we were delighted.

     

    Always make sure that the documentation you receive from your builder has his insurance details on it, and if not, ask him for it before you agree or sign anything off.

     

     

     

     angloeuropean

    nickcorrected

     Ad 2017  
     

     

    Forward this Flyer to friends and anyone else you know who may find it useful

    61specto

     

    Now is the time to review your finances

     

    At this time of year not many of us can really be bothered with thinking about pensions, investments and inheritance planning – there’s far more exciting things going on, like holidays, friends and family visits (as long as they don’t stay too long!) and the summer fêtes and festivals in just about every village and town in the region.

     

    This is usually a quiet time for us financial advisers, but this year – not so much – perhaps it’s the “Brexit effect” that is causing more ex-pats to think about their financial future now rather than put it off until after the end of the silly season. Of course, there are still no clear facts as to how Brexit will impact on UK citizens living in France, so planning for it is not easy, but reviewing your situation now will give you a clearer idea of your financial future, whether your plan is to stay in France or return to the UK.

     

    Of course, there is never a wrong time to review your financial health. Regardless of whether or not Brexit actually happens, or whether it is a soft or hard Brexit, things generally change over time, such as pensions and tax legislation, investment performance, physical well-being, income and capital needs………. the list goes on.

     

    These are some of the things that a good financial adviser will discuss with you at a regular review meeting, to make sure that your finances are on track to meet your current needs and longer term goals. It is vital that your pensions and investments are structured in the best possible way to produce a suitable level of return and, at the same time, mitigate taxes as much as possible.

     

    Also, as a French resident, your adopted or default marriage regime can make a huge difference to how your assets are treated for inheritance tax purposes and, by simply changing your regime with the help of a Notaire, the survivor of a couple can be much better protected from the French laws of forced inheritance, as well as other important benefits. Your financial adviser should be able to discuss these matters with you.

     

    As I mentioned in my previous article, the very popular Tour de Finance is once again coming to the stunning Domaine Gayda in Brugairolles 11300, So, if you are concerned about your investments and pensions in a post-Brexit world why not join us at this very popular event where you can meet the team in person and listen to a number of industry experts in the world of financial advice. This year’s event will take place on Friday 6th October 2017. Places are by reservation only and it is always well attended so book your place early by giving me a call or dropping me an email. Our speakers will be presenting updates and outlooks on a broad range of subjects, including:

     

    Brexit
    Financial Markets
    Assurance Vie
    Pensions/QROPS
    French Tax Issues
    Currency Exchange

    Financial advice is needed more than ever in uncertain times and doing nothing can often be an expensive mistake. Hence, if you would like to attend the seminar or would like to have a confidential discussion about your financial situation, you can contact me by e-mail at sue.regan@spectrum-ifa.com or by telephone on 04 67 24 90 95.

     

    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
    http://www.spectrum-ifa.com/spectrum-ifa-client-charter/

     

    spectnewfoot

     

     csf walk

    Email: helplinecsfsud@gmail.com;  Website: www.cancersupportfrance.info

    Forum: http://csf.forum.org      Local Association No : W112000594

     

     

    Le Flyer est disponible dans d'autres langues via le site web, audeflyer.com

     

     jackscoot and dish

     JAZZ 21.09.2017 AUDE FLYER

     Montreal 547x75220dpi

       

    58network

    russelcoope14

       

     dontpanic

     
       

    meteo ciel3

     

    If you are caring for someone with dementia, then you may want to go along to a new English speaking support group based in the Limoux area. The group is being organised by Vicky McLean, a former nurse and Social Services Care Manager with many years’ experience in caring for people with dementia She was also a specialist trainer for care staff working with people with dementia and has previously run a successful and well attended relatives support group. If you want to meet other carers like yourself, to offer mutual support, and get informed advice on some of the more challenging aspects of caring for someone affected by dementia then do go along to their first meeting being held upstairs at the Bar Commerce, Place de la République, Limoux at 3pm on 20th September. If you want more information or advice you can contact Vicky on 0626 80 72 06

     

     

    jeudis

    BTP long banner700x100

     

    readers write

     


    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

    vide

    Samedi 2 Septembre

    Coursan Vide grenier

    Mouthoumet 18ème Foire Agricole de Mouthoumet

    Port Leucate  Tante Marie Vide ses Greniers

    Lézat-sur-Lèze  Vide grenier de Septembre

    Dimanche 3 Septembre

    Carcassonne 22ème vide grenier de la Trivalle

    Carcassonne  Vide grenier brocante

    Cavanac  Vide grenier

    Conques-sur-Orbiel  Vide grenier de l’ECV

    Coursan  Vide grenier

    Crusades  Vide grenier des vendanges

    Cuxac-d’Aude  Vide grenier

    La Palme  Vide grenier

    Montréal  Vide grenier Marché Artisanal

    Narbonne  Vide grenier

    Narbonne  Vide grenier nocturne

    Narbonne-Plage  Vide grenier

    Pexiora  Vide grenier

    Saint-Nazaire-d’Aude  Vide grenier

    Saint-Pierre-la-Mer  Vide grenier

    Thézan-des-Corbières  Vide grenier

    Arnave  Vide grenier d’Automne

    Laroque-d’Olmes  Vide grenier

    Mazères  Vide grenier mensuel

    Pamiers  Vide grenier brocante

    Saint-Lizier  Marché aux puces

    Varilhes  Vide grenier brocante

     

     

    Samedi  9 Septembre

    Coursan  Vide grenier

    Dimanche 10 Septembre

    Alzonne  Vide grenier pompiers solidaires

    Arzen  Vide grenier des vendanges

    Carcassonne  Vide grenier brocante

    Castelnaudary  Vide grenier

    Couiza  Vide grenier

    Coursan  Vide grenier Route de Cuxac

    Coursan  Vide grenier de Coursan bonne humeur

    Lagrasse  Brocante vide grenier

    Le Somail  Vide grenier brocante d’automne

    Leucate  Vide grenier

    Marseillette  Vide grenier

    Narbonne  Vide grenier nocturne

    Narbonne-Plage  Vide grenier

    Salles-d’Aude  Vide grenier

    Ventenac-Cabardès  Vide grenier

    Villegailhenc  Vide grenier

    Alzen  Vide grenier

    Arignac  Vide grenier

    Foix  Vide grenier

    La Tour-du-Crieu  Vide grenier automne

    Lavelanet  Vide grenier

    Manses  Vide grenier d’automne

    Pamiers  Vide grenier brocante

    Péreille  Vide grenier

    Saint-Girons  Puces du balagué

    Saint-Croix-Volvestre  6ème marché ô initiatives

    Varilhes  Vide grenier brocante

       
    0

     

        

     

     margeurites

     

     

     


     els summer

    What's On 

     

    TY SEAGALL 30 August Bikini Toulouse

    SATYRICON 2 October Metronum Toulouse

    BETH DITTO 3 October Bikini Toulouse

    ANGUS & JULIA STONE  20 oct Zenith Toulouse

    ROYAL BLOOD 21 Oct Zenith Toulouse

    BLACK REBEL MOTORCYCLE CLUB 16 Nov Bikini Toulouse

    KODALINE 17 Nov Bikini Toulouse

    LEE FIELDS & THE EXPRESSIONS 19 Nov Bikini Toulouse

    TRUST 21 Nov Bikini Toulouse

    JAMIROQUAI 22 Nov Zenith Toulouse

    LONDON GRAMMAR 5 Dec Zenith Toulouse

    MOSCOW CIRCUS ON ICE 20 Dec Zinga Zanga Beziers

    INDOCHINE 9 March Zenith Toulouse

    BODYGAURD 9/10 June Zenith Toulouse

    TOTO 26 March Zenith Toulouse

     

     

    leshoriaire

     

    ADVERTISING RATES 
    The following prices are for one insertion in the Flyer email news letter unless otherwise stated

         

    Give away items

    FREE

    1 image and 25 words, plus contact details

    All items for sale inc Motor vehicles, boats, caravans & trailers

    25 €

    1 image and 25 words, plus contact details in 3 editions

         

    Property for sale - land, houses, businesses

    50 €

    up to 8 images and 500 words, plus contact details - your own property web page linked to the "Property Page" section of the Flyer for 13 editions

    Large Display Advert - Corporate

    100€

    Finished artwork to be 756 pixels by 200 pixels landscape or 378 pixels by 400 pixels portrait

    Standard Display Advert - Corporate

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    Finished artwork to be 378 pixels by 200 pixels landscape

    Large Display Advert - Small Companies and Sole Traders (at my discretion)

    50€

    Finished artwork to be 756 pixels by 200 pixels landscape or 378 pixels by 400 pixels portrait

    Standard Display Advert - Small Companies and Sole Traders (at my discretion)

    25 €

    Finished artwork to be 378 pixels by 200 pixels landscape

    What's on feature advert

    35 €

    Finished artwork to be 378 pixels by 515 pixels portrait

    Advertising
    information about advertising rates and specifications.
    informations sur les tarifs publicitaires et specifications.
    Send details to of your advert to Steve Hedges.
    Please note all text (unless in a finished advert) should be Plain Text,

    Finished adverts should be submitted in jpeg format 378 pixels wide

    Email your text, pictures and contact information to mail@audeflyer.com

  • Flyer 7 September

    Aude and Ariege Flyer

     heade7917

     

     

     

    Bonjour

    Of course there is no such thing as global warming, it’s not warm in Florida at the moment is it?

    I suppose it does make sense that President Trump isn’t weekending at Mar-a- Lago at the moment, think what would happen to his hair.  He’s hunkered down at Camp David with the US Cabinet “monitoring” Irma and advising people to keep out of her way.

     

    Do you think he ever has a thought that “well, maybe that Paris agreement could be worth sticking with”?

    It would appear I have been disturbing the internet peace for close to 12 years?  I suppose that explains to me why I feel just a little tied to it and by it.  That’s quite a long time!

     

     

     

     

    Steve

     

     

    Thousands of regular readers make the Flyer the place to be seen

     

     

    Lost in France

     

    The views expressed here are those of the writer and not of Steve.

     

    priority a droiteI knew it existed and I knew other people had been caught out but today was the first time I had experienced it myself.  I was driving through a local village and a car pulled out from a side road right in front of me.  I was flabbergasted and started to gesticulate as only an English person impersonating a French person can.  The driver drove slowly past and shouted over to me gleefully, ‘Priorité à la droite.

    What the hell stupid rule is this?  Why does it exist?  And more to the point why was there no sign when arriving at the side road that this was a possibility?

    It supposedly isn’t for use in major towns but just small villages and rural areas.  Does that mean Carcassonne is not classed as a major town?  I suppose not, as my friend was in the backseat of a car that ran into another in Carcassonne because of that rule.  It supposed not to be used on major roads and definitely not on roundabouts either, but then I don’t suppose driving on the main road and round a roundabout heading to the airport at Salvaza doesn’t count.

    The sign I thought meant cross-roads coming up actually means that the road to the right has priority over you driving on the main road.  A sign which I thought was for one road crossing a smaller road means that the right on the road coming into the main road doesn’t have priority.  The yellow diamond with a white border means there is no priority to the right on the road ahead.  If the road ahead does have priority to the right then the yellow diamond has a black line through it.  Dotted white lines at the side of the road means that no one can cross them, a bit like a give way sign but with less obvious. 

    I checked and priority to the right without a stop or a give way sign is still being taught in driving schools.  What came in with the horse and cart, should have disappeared with them too.

     

     

     

     

     angloeuropean

    nickcorrected

     Ad 2017  
     

     JAZZ 21.09.2017 AUDE FLYER

     Montolieu22PG

       

    58network

    russelcoope14

       

     

     
       

    61specto

     

     

    Like many in France, I took time off this month, and to while away the time, caught up on some industry articles. One such article was written by Old Mutual International that presented the results of a small survey it can conducted amongst ex-pats regarding what they believed were the rules around domicility.

     

    It asked the respondents six questions, and the answers were sufficiently enlightening that I thought I’d share them with you.

     

    1. British expats mistakenly believe they are no longer UK domiciled
    Everyone has a domicile of origin, acquired at birth. For UK nationals, it’s possible to acquire a new domicile (a domicile of choice) by settling in a new country with the intention of living there permanently. However, it is not always guaranteed that one can lose one’s UK domiciled status and acquire a new one, as there are no fixed rules (as you would expect from HMRC) as to what is required.


    Living in another country for a long time, although an important factor does not prove a new domicile has been acquired. Among the many conditions that HMRC list, it states that all links with the UK must be severed and they must have no intention of returning to the UK.


    Research* shows 74% of UK expats who consider themselves no longer UK domiciled still hold assets in the UK, and 81% have not ruled out returning to the UK in the future. This means HMRC is likely to still consider them to be deemed UK domiciled.


    2. British expats mistakenly believe they are only liable to UK inheritance tax (IHT) on their UK assets


    As most British expats will still be deemed UK domiciled on death, it is important to understand that their worldwide assets will become subject to UK IHT. A common misconception is that just UK assets are caught. This lack of knowledge could have a profound impact on beneficiaries.


    Before probate can be granted, the probate fee and any inheritance tax due on an estate must be paid. With UK IHT currently set at 40%, there could be a significant bill for beneficiaries to pay before they can access their inheritance. Setting up a life insurance policy could help ensure beneficiaries have access to cash to pay the required fees. Advisers setting up policies specifically for this purpose must ensure they place the policy in trust to enable funds to be paid out instantly without the need for probate.


    Research* shows a staggering 82% of UK expats do not realise that both their UK and world-wide assets could be subject to UK IHT.


    3. British expats mistakenly believe they are no longer subject to UK taxes when they leave the UK


    All income and gains generated from UK assets or property continue to be subject to UK taxes. Some expats seem to think that just because they no longer live in the UK they don’t need to declare their income or capital gains from savings and investments or property held in the UK. By not declaring the correct taxes people can find they end up being investigated by HMRC, and the sanctions for non-disclosure are getting tougher.


    Research* shows 11% of UK expats with UK property did not know that UK income tax may need to be paid if their property is rented out, and 27% were unaware that Capital Gains Tax may need to be paid if the property is sold.

     

    4. British expats mistakenly believe that their spouse can sign documents on their behalf should anything happen to them


    The misconception that a spouse or child or a professional will be able to manage their affairs should they become mentally incapacitated is leading people to think they don’t need a Power of Attorney (POA) in place. This could result in families being left in a vulnerable position as their loved ones will not automatically be able to step in and act on their behalf. Instead, there will be a delay whilst they apply to the Court of Protection to obtain the necessary authority. This extra complication is all avoidable by completing a lasting POA form and registering it with the Court of Protection.


    Research* shows 44% of UK expats wrongly believe their spouse will be able to sign on their behalf should they become mentally incapacitated.


    5. British expats unsure if their will is automatically recognised in the country they have moved to
    It is wrong to assume a will or POA document is automatically recognised in the country in which they move to. Often overseas law is driven by where the person is habitually resident, and the laws of that country will apply. Therefore, people may require a UK will and POA for their UK assets and a separate one covering their assets in the country they live. The wills also need to acknowledge each other so as not to supersede each other.


    Research* shows 50% of UK expats do not know if a will or POA is legally recognised in the country they have moved to.

     

    If you feel you could be affected by this, or have personal or financial circumstances that you feel may benefit from a financial planning review, please contact me direct on the number below. You can also contact me by email at derek.winsland@spectrum-ifa.com or call our office in Limoux to make an appointment. Alternatively, I conduct a drop-in clinic most Fridays (holidays excepting), when you can pop in to speak to me.

    Our office telephone number is 04 68 31 14 10.

     

    Le Tour de Finance, Domaine Gayda, 6th October 2017

     

    This year’s event is now fully subscribed and we are unable to accept any more places. If you were wanting to attend, but hadn’t got round to booking, then all is not lost. It’s possible to make a personal appointment to see me in our Limoux office. Please ring either the office or me directly on my mobile.

     

    I look forward to seeing you soon.

     

    Derek Winsland
    Chartered Financial Planner
    Mobile: 0771 71 95 52

    spectnewfoot

    meteo ciel3

     

    If you are caring for someone with dementia, then you may want to go along to a new English speaking support group based in the Limoux area. The group is being organised by Vicky McLean, a former nurse and Social Services Care Manager with many years’ experience in caring for people with dementia She was also a specialist trainer for care staff working with people with dementia and has previously run a successful and well attended relatives support group. If you want to meet other carers like yourself, to offer mutual support, and get informed advice on some of the more challenging aspects of caring for someone affected by dementia then do go along to their first meeting being held upstairs at the Bar Commerce, Place de la République, Limoux at 3pm on 20th September. If you want more information or advice you can contact Vicky on 0626 80 72 06

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    How could Brexit affect you and your finances?
    By Thomas Marron
    06 14 24 61 29
    thomas.marron@blevinsfranks.com

     

    Brexit negotiations are underway, though there is still a long way to go. There are still questions about how the relationship between the UK and EU will evolve and affect British expatriates in France. Reassuringly, both sides have confirmed that securing reciprocal rights for citizens is a priority.

     

    Britain’s initial proposal for citizens’ rights included offering a “settled status” to EU nationals who have lived in the UK for five years. This would allow them the same access as UK citizens to healthcare, education, pensions and other benefits – provided the same was offered to Britons within the EU. The UK government said it would protect existing pension and healthcare provision for UK nationals in EU countries.

     

    Taxation

     

    Taxation is a local matter. Double taxation treaties are negotiated between two counties, independently of the EU, so there should be no change to how British expatriates resident in France are taxed.

     

    However, if the UK leaves the European Economic Area (EEA) and no equivalent arrangements are set up, some UK assets may be taxed differently. In France, once UK life assurance policies become non-EU assets they will no longer qualify for beneficial tax treatment given to EU assurance-vie and capital redemption bonds. That means no fixed rates and no tax credit. Seek advice if this may affect you.


    Pensions

     

    The UK pledged to continue annual increases to expatriates’ state pensions. Brexit should not affect accessing or transferring private pension funds either. However, the UK’s new ‘overseas transfer charge’ may indicate things to come. Since 9th March 2017, certain transfers to Qualifying Recognised Overseas Pension Schemes (QROPS) attract 25% taxation.

     

    Currently, this does not affect transfers to approved QROPS based within the EEA. However, Brexit offers the Treasury more scope to introduce more ‘exit taxes’ on overseas transfers or to make it harder to cash-in ‘defined benefit’ pensions. Consider acting now under today’s rules, but take personalised, regulated advice to ensure a suitable approach for you.

     

    Investments

     

    Brexit could potentially bring periods of uncertainty for the UK economy. Review your portfolio to check if you are overexposed to UK assets or any other one area. An adviser can help you improve diversification over countries, asset classes, companies, sectors and currencies to reduce risk in a way that suits your circumstances.

     

    You should also consider the currency you hold your investments in. Keeping everything in Sterling brings extra risk as you are so dependent on exchange rates. With the fortunes of the pound and the euro so tied up with Brexit developments, it is a good idea to reconsider the best currency mix for you, and look for flexibility where possible.

     

    Keep your finances in shape

    Regardless of Brexit, your circumstances and objectives can change over time, so you should regularly review your financial planning. Now has never been a better time to talk to a locally-based financial adviser and establish the best way to structure your finances and help prepare for Brexit.

     

    Potential French tax reforms under Macron

     

    President Emmanuel Macron promised various tax reforms during his electoral campaign earlier this year. If they all go ahead, there will be substantial changes to how investment income is taxed.

     

    He said his key aim was to encourage people to save more by simplifying taxation on financial income.

     

    Flat tax on investment income

     

    Under the flat tax proposal, investment income would become liable to one fixed rate of 30%, regardless of the amount earned. This 30% would include both the income tax and the social charges.

     

    From information released back in April, it is possible that this new flat rate will apply to people investing over €150,000. Savers in low-income brackets will keep the option for progressive income tax rates.

     

    Wealth tax

     

    Currently, you are liable to wealth tax if you are resident in France on 1st January and your household taxable wealth amounts to over €1,300,000. It is based on worldwide assets. The first €800,000 is exempt from this tax.

     

    M. Macron’s plan is to reform this tax, so that it will only apply to real estate assets, so savings and investments would be exempt.

     

    No confirmation as yet

     

    This is based on the promises made by M. Macron during his electoral campaign, so the end result may be different. Even if he wants to go ahead as planned, it needs to be approved by parliament first, and he may have to adjust the proposals in the process.

     

    Any reduction on tax on investment assets will be very welcome. However, although the current system has high headline rates of tax, with specialist advice and careful planning you can often significantly reduce taxation on investment assets. And with or without these reforms, strategic tax planning in France remains as important as ever.

     

    Both Brexit and Macron’s tax reforms are key subjects at the Blevins Franks seminars.

     

    The Blevins Franks Autumn Seminar

     

    Brexit, Macron, Healthcare, Pensions, Inheritance Planning, Tax, Markets, Timing…
    What to consider in moving to, staying in or leaving France.

     

    PLAISANCE-DU-TOUCH (Toulouse) Monday 2 October


    CANET-EN-ROUSSILLON (Perpignan) Tuesday 3 October


    BÉZIERS Wednesday 4 October

     

    Book your seminar place here

     

    Statements concerning taxation are based upon our understanding of current taxation laws and practices; tax rates, scope and reliefs may be subject to change. Any taxation information has been summarised and put forward for consideration purposes only and should not be construed as personalised tax advice; an individual should always request personalised advice in relation to their specific circumstances. Blevins Franks accepts no liability for any loss resulting from any action or inaction or omission as a result of reading this information, which is general in nature and not specific to your circumstances.

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    readers write

    Hi!!!

    I recently read in the Telegraph that a 5 year old boy found a python in his w.c. His mother, after some telephone calls, found a man in a pet shop who caught it.  Now the question, to whom would you call in a similar circumstance in France? And, what reply would you expect from, Il y a un python dans mon wc. I feel that the exploits of the quill of my aunt would be over shadowed.

    Regards, Alan... Aude  


    As the summer silly season comes to an end it’s time for us to take up the cudgels again to ensure that there is a sensible result to the Brexit mess the UK is saddled with.

    When I say a sensible result, I mean one that’s in the best interests of the UK and its people.

    The government’s “strategy” for Brexit isn’t working. Those things people told us would be easy are proving, unsurprisingly, to be very difficult. The rest of the world, including the EU, isn’t beating a path to the UK’s door saying, “What do you want us to do?”

    The interests of ordinary people, their rights, hopes and ambitions, have again been lost in the political in-fighting and esoteric arguments about “global influence” and “taking back control”.

    So far the UK’s global influence seems mightily diminished, and taking back control seems to involve the government demanding that it be allowed to do whatever it likes without any form of parliamentary oversight – the so-called “Henry VIII powers”.

    These are dark days for the UK. The rolling back of the Charter of Fundamental Rights, combined with the “Henry VIII powers” the government is demanding, risk turning the UK into an elected dictatorship.

    It’s no exaggeration to say that our rights, enshrined in Magna Carta (1215), the Bill of Rights (1688) and the Charter of Fundamental Rights (2009) are all at risk – unless we do something about reversing the slide towards an authoritarian government.

    The People’s Challenge was started to prevent Theresa May & Co using Royal Prerogative to trigger Article 50, which was a similar affront to parliamentary democracy. We can’t let this next attempt go unchallenged.

    To this end we, the people behind The People’s Challenge, have re-started our “What is Best for the UK” campaign, and we need your help to raise funds to sustain it.

    There has already been a stunning response to our fund raising campaign and thank you to those who have already contributed and/or have spread the word.

    Whether you can make a financial contribution or help with sharing and promoting what we are doing, your help will be very much appreciated.

    Thanks,

    Grahame Pigney

    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

    vide

    Samedi 16 Septembre

    Carcassonne Salon vintage

    Coursan Vide grenier

    Pamiers  Vide grenier

    Dimanche 17 Septembre

    Baraigne  Vide grenier et vide dressing

    Canet  Vide grenier de l’Armateur

    Carcassonne  Vide grenier Espace Jean Cau

    Carcassonne  Salon vintage

    Carcassonne  Vide grenier brocante

    Caves Vide grenier

    Cenne-Monestiès  Vide grenier, vide maison

    Cépie  Vide grenier d’automne

    Coursan  Vide grenier association célian

    Coursan  Vide grenier

    Donazac  Vide grenier

    Espéraza  Grand vide grenier de la St Michel

    Homps  Vide grenier des vieux crampons

    La Pomarède  Vide grenier

    Magrie  Vide grenier

    Marseillette  Vide grenier

    Montolieu  Vide grenier

    Narbonne  Vide grenier

    Palaja  Vide grenier

    Port-la-Nouvelle  Vide grenier

    Saint-Marcel sur Aude  Vide grenier du Sporting Club

    Villemoustaussou  Vide grenier

    Dalou  Vide poussette vide dressing

    Pamiers  Vide grenier brocante

    Prat-Bonrepaux  Bourse aux Armes et Militaria

    Rieux-de-Pelleport  Vide grenier

    Saint-Girons  Les puces du champ de mars

     

    Samedi 23 Septembre

    Coursan  Vide grenier

    Loupia  Vide grenier

    Foix  Vide grenier brocante

    Dimanche 24 Septembre

    Bellegarde-du-Razès  Vide grenier

    Carcassonne  Vide grenier géant des amis de l’usc xv

    Carcassonne  Vide grenier brocante

    Coursan  Vide grenier du CIT

    Coursan  Vide grenier

    Cuxac-d’Aude  Foire autumnal

    Gaja-et-Villedieu  Vide grenier

    Gruissan  Vide grenier

    Limoux  Vide grenier des vendanges

    Narbonne  Vide grenier

    Saint-Pierre-la-Mer  Vide grenier

    Camon  Vide grenier

    Les Bordes-sur-Arize  Vide grenier brocante

    Pamiers  Vide grenier brocante

    Sautel  Fête de la Transhumance

    Varilhes  Vide dressing

       
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    malko article els summer

    What's On 

     

     

    SATYRICON 2 October Metronum Toulouse

    BETH DITTO 3 October Bikini Toulouse

    ANGUS & JULIA STONE  20 oct Zenith Toulouse

    ROYAL BLOOD 21 Oct Zenith Toulouse

    BLACK REBEL MOTORCYCLE CLUB 16 Nov Bikini Toulouse

    KODALINE 17 Nov Bikini Toulouse

    LEE FIELDS & THE EXPRESSIONS 19 Nov Bikini Toulouse

    TRUST 21 Nov Bikini Toulouse

    JAMIROQUAI 22 Nov Zenith Toulouse

    LONDON GRAMMAR 5 Dec Zenith Toulouse

    MOSCOW CIRCUS ON ICE 20 Dec Zinga Zanga Beziers

    INDOCHINE 9 March Zenith Toulouse

    BODYGAURD 9/10 June Zenith Toulouse

    TOTO 26 March Zenith Toulouse

     

     

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    interesting to watch

  • Aude and Ariege Flyer 13 April 2016

     

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    Bonjour

    If you are that way inclined you should be getting the flags out this week, the Queen’s 90th on Thursday and St George’s Day next Monday.

    That’s probably a good gesture from the Pope, taking home some Syrians, I presume they had been heavily screened.

    It all went quiet on the topic of Russian jets buzzing US ships, maybe they consider if it isn’t publicised he might not do it again?

    Still nothing much to report in the way of live shows in the region apart from some festival activity.

    But something is keeping Elton touring, I don’t think he’s done so many shows in a year as this, maybe it’s the kids screaming?

    They are choosing a new secretary general to the UN, and the strange thing is that unless I am mistaken eight of them look like they come from bits of old Yugoslavia with the ninth candidate being Helen Clark former Prime Minister of New Zealand.  Others may join the fray apparently, have we been allowed to see this selection process before?

    You have another two weeks to enter the competition to win Mr Inman’s fine book ' A Guide to Mystical France'. 

     

    If you check the website in 24 hours i should have updated "whats on" 

     

     Does anyone feel they have enough knowledge and time to takeover the gardening feature on a regualr basis? email me if you are interested

     

     

    Steve

     

     

     

    Thousands of regular readers make the Flyer the place to be seen

     

     

     

    Lost in France

     

     

    It is remarkable how different the behaviour of car-drivers and bikers here in Aude is from that of similar road users in the UK.  In the UK and I guess particularly in London where I used a motorbike to both commute and to earn a living as a despatch rider, car drivers either have a change of personality once they get behind a wheel or they really do want to kill you and if not kill you, to make your life on a bike as difficult as possible.

    Drivers will see you in their rear-view mirror and if there are queues of traffic with room for a bike to pass they will consciously move over so that your way is blocked.  They will intimidate you by pulling up close behind you at junctions or traffic lights.  They will selectively not see you (referencing the TV advert ‘Think Bike’ here) as they pull out of a side road into the on-coming traffic, at the head of which is you.  They will under-take you and then pull right in front of you.  And then when they have wound you up enough for you to give chase (which unfortunately I’ve been angry enough to do), they will pull in, lock their doors and reach for a handy tyre iron which they already have in their car because previous experience must have told them that this is often the consequence of their actions.  You may get off your bike to remonstrate but they cower behind the wheel and the metal in their hand.  Taxis will intimidate you and try to nudge you out of position.  You may have witnessed bikers riding past cars and knocking off a wing mirror or two, now you know why.  The drivers didn’t use them anyway.

    Compare that to here in France.  Car drivers who see you in their rear-view mirror will consciously move out of your way to let you pass!  Other bikers, and it is irrelevant if the bike you are riding is the same breed as theirs or not, they will always without fail acknowledge you.  I’m not saying bikers in the UK don’t do something similar but it is not as consistent.  It took me a while to work out what the two-fingered (no, not that one) salute on an extended lowered left arm meant, but after enough of them I realised.  It makes a ride out just that much more pleasant.

     

     

     

     

     

     

     

     

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    Forward this Flyer to friends and anyone else you know who may find it useful

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    Known Unknowns

    Individual investors may face many “known unknowns”—that is to say, things that they know they don’t know. The UK’s referendum on EU membership is one of them, confronting people with a large degree of uncertainty. But as we’re witnessing, it’s not just the investor that’s afflicted by this Known Unknown condition – the markets are really uncomfortable as evidenced by the fall in the value of the pound.

     

    We have though been here before; perhaps not having to make decisions that could affect our financial stability for years to come, but as the chart below shows, major global events that have impacted on our lives to a greater or lesser effect. Through all of them, the markets have shown a remarkable resilience over the longer term and that is one of the most important lessons the individual investor can learn.

     

    You see, it’s not necessary to “make the right call” on the referendum or its consequences to be a successful investor. Our approach is to trust the market to price securities fairly; to take account of broad expectations of future returns. 

     

    In arguing for the status quo, the “remain” campaign is able to point out familiar characteristics of membership.

     

    The “out” campaign, however, is based on intangibles that can only be resolved after the result of the referendum is known. It is impossible for any individual to predict the implications of these unknowns with certainty.

     

    But this is no cause for concern. While the referendum is imminent and its implications are potentially vast and unpredictable, it is not necessary for individual investors to make any judgement calls on the outcome. We have faced many uncertainties in the past—general elections, market crises, recessions, wars—and throughout all of them, the market has done its job of aggregating participants’ views about expected returns and priced assets accordingly.

     

    And while these events have caused uncertainty, volatility and short-term losses and gains, none of them has altered the expectation that stocks provide a good long-term return in real terms.

     

    We have a global view of investing, and we know that the market is very good at processing information that is relevant to future returns. Because of this view, we don’t attempt to second-guess the market. We manage well-diversified portfolios that do not rely on the outcome of individual events or decisions to target the expected long-term return.

    These events are not offered to explain market returns. Instead, they serve as a reminder that investors should view daily events from a long-term perspective and avoid making investment decisions based solely on the news. Past performance is no guarantee of future results. MSCI data © MSCI 2016, all rights reserved.

     

    Research has demonstrated time and again that the best returns are achieved through ‘Time in the Market’ and not by trying to ‘Time the Market’; in other words, stay invested rather than guess the best time to invest and disinvest.   

     

    If you would like more information on our investment philosophy, ring for an appointment or take advantage of our Friday Morning Drop-in Clinic, here at our office in Limoux. And don’t forget, there is no charge for these meetings.

     

     

    See you soon.

    Derek Winsland

    Chartered Financial Planner

    Mobile: 0771 71 95 52

    spectnewfoot

    Le Flyer est disponible dans d'autres langues via le site web, audeflyer.com

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    Email:helplinecsfsud@gmail.com;  Website:www.cancersupportfrance.info

    Forum:http://csf.forum.org      Local Association No : W112000594

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    A Guide to Mystical France  

    Mystical Sites in the Aude and Ariège

    Nick Inman

     

    While I was writing my book, A Guide to Mystical France, I found the southwest to be particularly rich in sites to mention. Here is a selection of my favourite places to visit in the departments of Aude and Ariège  – and just beyond their borders.

     

     

     

     

     

     

     

    Alet-les-Bains.(South of Limoux). At the centre of this small town off the main road up the Aude valley are the atmospheric ruins of a medieval abbey. There is not much too them but they are still worth wandering around to see if you can imagine what life was like for the monks before the Wars of Religion in the 16th century destroyed everything. The windows of the adjoining church have unusual tracery forming the Star of David.

       Dolmen de Fades (North of Pépieux, southwest of Minerve). There are an extraordinary number of megalithic monuments in France. The most famous are in Brittany but there are plenty in the southwest if you look for them. This one, dating from 3500 BC, is particularly pleasing. It is an extremely large dolmen in a beautiful and peaceful setting on top of a low hill beneath pine trees.

         Grotte de Niaux(Ariège, near Tarascon). There is no experience quite like visiting a cave painted by prehistoric people and this is one of my favourites. To see the paintings you have to walk a long way underground, carrying the torch and keeping up with the guide. Fortunately,

    the cave hasn’t been equipped for visitors. There are no concrete paths or electric lights. The reward is seeing extraordinary artwork crated 15,000 years ago. www.grands-sites-ariege.fr

         MontségurThe castle above the village is the site of the last stand of the beleaguered Cathars. There is nothing to see on the summit but walls and great views but it is worth the walk nevertheless just to feel the character of the place. When a lengthy siege ended in 1244 over 200 Cathars preferred to be burned alive rather than renounce their faith. Park on the approach road from Lavelenet and Foix. The ticket booth is half way up the slope. Wear a hat and take water.

        Pont du Diable, Montoulieu (south of Foix, signposted from the main road, not the motorway). There are around 50 structures called “the Devil’s Bridge” around France, the implication being that any ingenious looking structure over a river must be the work of a superhuman engineer. This one was built in the 19th century (by humans, as far as we know) and is easily accessible by foot from the nearest road.

         Raynaude(Off the D119 near Mas d’Azil). In the late 19th century, an enterprising local priest decided to built a series of stations of the cross climbing the hillside behind the church. According to a local story, he ran out of money but in 1892 John D Rockefeller happened to be passing and he provided the funds to finish the work.

         Rennes-le-Château. (near Couiza). In the 1980s, when I first came here, there was an aura of mystery about this hilltop town because of the book The Holy Blood and the Holy Grail (which provided inspiration for Dan Brown’s The Da Vinci Code). Since then a series of authors and film makers have gone about deliberately debunking the claims that there is any mystery at all. Whatever the truth, Rennes-le Chateau is an intriguing place to visit. A local heritage association has produced an excellent colour booklet explaining everything.

        Rieux Minervois. (Northeast of Carcassonne) Most churches are rectangular or cross-shaped, with the altar located at the eastern end. This church is highly unusually in that it is “round” (actually 7-sided). There are some spectacular Romanesque carvings on the capitals of the columns.

         Vals(Between Mirepoix and Pamiers) The village church here is joined to the rock and the lower parts make use of natural underground chambers. In addition, there are some beautiful paintings on one of the ceilings. It can be visited at any time you please and, being out of the way, you may well get it all to yourself which is the only want to get a sense of the atmosphere.

         Villerouge-Termenès (in the Corbières). Several places in the region claim to have a Cathar connection and in most cases it is slender. It was here, in this small village around a castle, that the last Cathar perfect, Guillaume Bélibaste, was burnt at the stake in 1321. The place is well looked after by the local council making it a beautiful and peaceful place to visit.

     

           Competition

          The Flyer has two copies of A Guide to Mystical Franceto give away to answer the following question correctly.

    Nick Inman writes: “I was going to include another abbey church in this list. It is in the Aude near one of the places that did make it on to my list. The apse is 11th-century Romanesque; but what is special about this church is that beneath it is an 8th-century Carolingian crypt.” Which church is he talking about?

    A Guide to Mystical France: Secrets, Mysteries, Sacred Sites by Nick Inman is published by Findhorn Press (ISBN 978-1-84409-685-5). It is available from Amazon and all bookshops. For more information see nickinman.com and findhornpress.com/a-guide-to-mystical-france

     

       

     

     

     

     

     

     

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     britvote 

     

     

     

     

     

     

     

     

     

     

     

     

     promaude16

     

     

     

     readers write

     

     

     

     

     

     

     

    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
    vide

    Samedi 23 Avril

     

    Argeliers Exposition ventes de brocantes

    Coursan Vide grenier

    Lézignan-Corbières Vide Grenier la fleur desîles

    Limoux Salon antiquités brocante

    SaverdunVide grenier et marché aux puces

    VarilhesVide grenier brocante

    VarilhesBourseà l’auto et moto

     

    Dimanche 24 Avril

     

    ArgeliersExposition ventes de brocantes

    BarbairaVide Dressing

    CarcassonneVide Grenier brocante

    CoursanVide Grenier

    Cuxac-d’Aude Vide Grenier Association Patrimoine Cuxanais

    Gruissan Vide Grenier

    Limoux Salon antiquités brocante

    MarcorignanVide Grenier et Vide Maison aux profits animaux

    Narbonne Vide Grenier de printemps

    Névian Vide Grenier de printemps

    Pauligne Vide Grenier

    Quillan Premier Vide Grenier de l’association les PEB

    Rieux-Minervois Vide Grenier

    Saint-Marcel sur Aude Vide Grenier

    SigeanVide Grenier et Bourse Moto

    Foix Vide Grenier

    Pamiers Vide Grenier brocante

    VarilhesVide grenier brocante

     

    Jeudi 28 Avril 

    ArgeliersExposition ventes de brocantes

    Samedi 30 Avril

    Argeliers Exposition ventes de brocantes

    Coursan Vide Grenier

    Lézignan-Corbières Vide Grenier la fleur des îles

    Quillan 10ème Festival des Fleurs et Vide Grenier

     

     

     

    Foix Vide Grenier

    Saverdun Vide grenier et marché aux puces

    VarilhesVide grenier brocante

    Varilhes Bourse à l’auto et moto

    Dimanche 1 Mai

    Bize-Minervois Vide Grenier

    Carcassonne Vide Grenier brocate

    Coursan Vide Grenier

    Cruscades Vide Grenier du Muget

    Espéraza Vide Grenier Associatif

    Gaja-et-Villedieu Vide Grenier

    Greffeil Vide Grenier du 1er Mai

    Limoux Brocante la menseuelle le 1er dimanche chaque mois

    Molleville Vide Grenier

    Montlegun Grand Vide Grenier du 1er Mai École de Cirque

    Narbonne Vide Grenier Spécial 1er Mai

    Pomas Vide Grenier

    Ribouisse 3ième Grand Marché aux fleurs de printemps

    Saint-Michel-de-Lanès  Vide Dressing

    Sigean Vide Grenier brocante

    Trèbes Vide Grenier

    Ventenac-Cabardes Bourse aux vêtements, jouets…

    Villedaigne Vide Grenier et marché artisanal

    Villemoustaussou Vide Grenier

    Vinassan Vide Grenier et marché artisanal

    Gajan Vide Grenier de printemps

    Laroque-d’Olmes Vide Grenier du 1er Mai

    Le Fossat Vide Grenier

    Ludiès Vide Grenier

    Mazères Grand Vide Grenier

    Nalzen Vide Grenier

    Pamiers Vide Grenier brocante

    Saint-Lizier Marché aux puces de la cave au grenier

    Varilhes Vide Grenier (two of them different locations)

     

     

     

     

     

     
       

       limbrass16

     

     

     

     

     

    fib2016 

    What's On

    THE WHO 14 June Zenith Toulouse

    NEIL YOUNG 21 June Zenith Toulouse

    CIRQUE DU SOLEIL 22 to 26 Nov Zenith Toulouse

     
    leshoriaire
     

    ADVERTISING RATES 
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    All items for sale inc Motor vehicles, boats, caravans & trailers

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    up to 8 images and 500 words, plus contact details - your own property web page linked to the "Property Page" section of the Flyer for 13 editions

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  • Aude and Ariege Flyer 27 April 2016

     

    header27416 
     
     
    Bonjour

    Well done Mr Grayson and Mr Hodgskin for answering correctly 'the Abbey of Caunes Minervois' and a copy of Nick Inman’s book will arrive on your doormat shortly.

     

    It’s a shame the people at Retail Acquistions Ltd didn’t smell a rat when they were able to buy the BHS chain for £1!  If they had spent a little time in France they would have realised that HS means out of order. Were there further clues available to them? Look at what happened to VHS.  And then there is the British health system, the NHS which everyone says is broken and collapsing, I do of course think they are wrong.

     

    Steve

     

     

     

    Thousands of regular readers make the Flyer the place to be seen

     

     

     

    Lost in France

     

    SidneyAgain, this is not strictly about living in France but as there’s an awful lot going on around the subject of the 400th anniversary of William Shakespeare’s death, I thought I’d add my twopenneth.  First of all let me say that William Shakespeare did not write anything.  Well he might have scrawled lists of merchandise and supplies and possibly notes to a variety of tradespeople.

     

    Someone and we don’t know who, it could have been one of many people, took William Shakespeare as a pseudonym when he or she or indeed they wrote his works.  And this name was based on a real person, William Shakspere who did indeed die in 1616.

     

    Much has been written on the Shakespeare authorship controversy and as many scholars over the centuries have based their careers on the text within the works by relating it to events and locations from Shakspere’s life, it becomes highly contentious to say that William Shakespeare did not exist.  The person or persons who took the name William Shakespeare stole Shakspere’s identity.

     

    Commonly known facts about William Shakespeare:

    There was no eulogy written by a fellow writer or poet at the time of his death.  This is significant as no major playwright or performer was left unsung at their deaths.

    There was no burial in Westminster Abbey.

    There is no definitive signature for him.  Six, possibly seven signatures were found all of which were different from each other.

    Even his will when it was discovered in 1747 was thought to be the only personal document that he had written.  Expectations were high and swiftly dashed when the writing in the will was dull and irregular.

    We have no real clue as to his appearance.  An exhibition mounted at the National Gallery in London in 2006 entitled ‘Searching for Shakespeare’ concluded in its brochure that we will probably never know what he looked like.

     

    And there are more;

    William Shakspere of Stratford on Avon was barely literate.

    When Queen Elizabeth I ordered the arrest of the author of Richard II neither William Shakspere nor member of his acting troup questioned.

    A book written on the seven great writers of the Elizabethan era did not include his name.

    In Shakspere’s quest for a coat of arms took quite a long time, if he had been a playwright-poet he would have been obliged to name himself such and thereby speed up the process.

     

    I kind of like the idea that the person or persons who used the pseudonym of William Shakespeare at the expense of William Shakspere were having a joke at the latter’s expense for some reason, maybe because he could barely write, who knows?

     

    I thank the book ‘The Man Who Was Never Shakespeare’ by AJ Pointon and wonder really who’s death are we celebrating?  But like someone once said ‘What’s in a name?’

     

     

     

     

     

     

     

     

       Local press ad

     

     

     

     

     

     

     

     

     

    Forward this Flyer to friends and anyone else you know who may find it useful

    61specto

     

     

    UK State Pension

    The new UK State pension scheme has now come into effect from 6th April 2016. Widely publicised by the

    government as being easier to understand, based on the questions we are getting, this is not the case!

     

    If you reached State Pension Age (SPA) before the start of the new scheme, then you are not affected by the changes

    – even if you have decided to defer taking your State pension. Under the ‘old scheme’, the basic State pension is

    £119.30 per week for 2016/17, based on having 30 years of National insurance Contributions (NICs) or credits. You

    may also be entitled to some additional State pension and the amount varies according to your earnings during your

    working life and whether or not you were ‘contracted-out’ of the State Earnings Related Pension Scheme

    (SERPS) or the later State Second Pension (S2P). The maximum additional pension entitlement is around £164 per

    week.

     

     

    The new State pension scheme introduces a ‘single-tier’ pension of £155.65 per week for 2016/17, based on having

    35 years of NICs (or credits). So anyone starting work today, who retires with a 35-year NIC record, can expect to

    get the full amount of the single-tier pension and nothing more. Of course, this is subject to the rules not being changed

    for the next 35 years!

     

    However, for people who have already built up a NIC record before 6th April 2016 and have not yet reached

    SPA, the transitional arrangements are complex. Some will get more than the single-tier pension, others will get less,

    and here is where the confusion begins!

     

     

    If you fall into this ‘transitional group’, as a first step, your State pension under the old system is calculated as at

    5th April 2016. This includes your basic pension plus any additional pension that you are entitled to receive and this