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Bonjour

It’s getting more complicated now. Elon Musk, that man who made a few bob out of Paypal and then some electric cars, Tesla by name, has decided we need to be off to Mars in about 6 years’ time. SpaceX founder Elon Musk has outlined his highly ambitious vision for manned missions to Mars, which he said could begin as soon as 2022 – three years sooner than his previous estimates. https://www.theguardian.com/technology/2016/sep/27/elon-musk-spacex-mars-colony.

Seasick Steve wasn’t the hobo jumping railcars to caboose, collecting hubcaps and farm tools to make guitars for all those years, he was a session musician player and producer on the west coast of America.  He invented a new real name over which the ‘Seasick’ bit was laid.  His age and all the rest of the back story, https://www.theguardian.com/music/musicblog/2016/sep/29/seasick-steve-session-musician-ramblin-man-book.

 seasick

Did you know that it’s possible to have someone send you an 11kg box of goodies via a pre-booked Parcelforce via Parcelmonkey.co.uk with a payment of £16.55 and it arrive at an Aude village address 48 hours after you drop it off at a UK Post Office?  This opens up all kinds of possibilities for family to send you the missing items you need from the UK.  I checked again on the website and that seems to continue to be the price up to 30kg. This was surprising and may not always be the case but an amazing service!

Football seems to be more and more corrupt. British socialists may say good things but are unelectable.  Then there is the threat of Lepen and Trump and who knows what the Germans will come up with?   Mars is sounding quite attractive, let’s hope it’s on a Parcelforce round by then!

 

Steve

  

 

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

 

 

 

Lost in France

liar buttons

 

The views expressed here are the writer’s own not necessarily those of the Aude & Ariege Flyer.

There seems to be a lot of people lying in recent months and although they are discovered to be lying and they quite often admit that they were lying (they don’t actually admit that in so many words, more along the lines it being a mistake).  But the thing they said which was a lie is now ‘out there’ and that is quite often the thing that is remembered as much as the fact that it was a lie.

But it also is a perfectly normal human trait to lie, so should we be surprised or offended that someone has told a lie, acted on that lie, been found out, retracted it and then goes unpunished?  Has there really been an increase in lying or is it just our perception of lies that has sharpened? 

There is nothing new about it and Anglo Saxons don’t have a monopoly, but I’m not sure that there has been such a manipulative liar as Donald Trump in modern times (I am open to being proved wrong).  His lies are not pathological nor without control.  He knows what he is doing and that what he is saying is a lie.  He says one thing, is called out on it and then retracts it but that lie has had an effect.  There is even a website www.trumplies.com.   And although I don’t want to go any further into the Trump lies, it does appear that his opponent Hillary Clinton is no saint in that department.  It is quite scary that the lies HC has told are described as “in the norm for a typical politician” while those of DT are “off the scale”.  I’m not even going to go down the familiar route of Brexit lies, we all know they are out there.

I have a friend who is a Professor of Mathematical Philosophy and his specialism is ‘lying’. He doesn’t lie himself that is, he examines the concept of truth as he attempts to solve the famous liar paradox or liar's paradox in which the liar states that they are lying: for instance, declaring that "I am lying" or "everything I say is false". If they are indeed lying, they are telling the truth, which means they are lying. If "this sentence is false" is true, then the sentence is false, but if the sentence states that it is false, and it is false, then it must be true, and so on.  Trump has called Clinton ‘a world-class liar’ - coming from a liar, is that the truth?  He has been quoted as saying ‘one thing I can promise you, is this: I will always tell you the truth’.

In the process of writing this I was led to this blog on French politics (from an American perspective but an interesting reveal) http://artgoldhammer.blogspot.fr/, and to the quotes of Bertrand Russell.   

 

 

 angloeuropean  nickcamamail

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61specto

 Colleagues of mine at The Spectrum IFA Group attended the International Adviser’s Forum last week. Besides the usual networking events, there were a number of highly relevant presentations given by speakers representing a broad cross-section of industry organisations.

One such presentation caught the eye of my colleagues, and related to pensions (a subject close to my

heart) and more specifically Qualifying Recognised Overseas Pension Schemes (or QROPS for short).

The presentation focused upon the possible changes the UK EU exit could bring.

It has been a well-known fact in our industry that the UK Government, represented by HMRC, does

not like QROPS and only introduced the concept of them at the behest of the EU. That was back a dozen

years or so. Changes in UK pension legislation has only served to reinforce HMRC’s dislike of them, to

such an extent that there is serious speculation (and it can only be speculation at this time), that the plug

will be pulled on QROPS as the UK exits the European Union.

So what if they do, I hear you ask. Well the QROPS has some rather useful ‘bells and whistles’. For

example, if your money currently sits in a UK personal pension or Self Invested Personal Pension (SIPP)

and you have gone beyond your 75th birthday, HM Government will levy a quite hefty tax charge

on your inheritors on the occasion of your demise. With a QROPS there is no such charge. In a QROPS

you can draw a tax free lump sum (PCLS) of up to 30%, a UK pension plan will only allow you to take

25% tax-free.

But the “biggy” is the treatment of your pension tax-wise if the value of your fund exceeds the Lifetime

Allowance. This Allowance was introduced to stop the very rich from stashing their wealth in a pension

plan, so as to avoid paying inheritance tax on it. First introduced in 2006 with the Pension

Simplification legislation (anything but simple), the Lifetime Allowance limit steadily rose over the next

five years to £1.8m. However, since then, the limit has been gradually reduced and currently sits at

£1m, with further falls to £750k being mooted.

The penalties for exceeding the limit if one doesn’t apply to HMRC to ring-fence and cap the total at

the current level of the pension fund is either

55% tax charge if the excess is taken as a lump sum or 25% if the excess is taken as income.

Added to this is the fact that the member cannot make any further contributions to his or her pension

savings.

Compare this to the QROPS – there is no Lifetime Allowance on a QROPS, which means that for those

ex-pats lucky enough to have up to £1m in their pension fund (or the capitalised value of their Defined

Benefit pension scheme is currently worth up to the Lifetime limit), there is a big argument to move

this into a QROPS to avoid any future tax trap, if indeed there is a further reduction in the Lifetime limit.

So when was the last time you checked your pension fund? Should you be having it assessed to see what

pitfalls could befall you over the next couple of years?

Pension planning is a highly specialised and complicated subject. Everyone’s situation is different and it

is very important to seek professional advice, so that the best course of action for you can be

established.

We talk about QROPS and pension planning in general in our popular financial seminars across

France –Le Tour de Finance - Bringing Experts to Expats”. Overall, our industry experts will be

presenting updates and outlooks on a broad range of subjects, including:

Financial Markets

Assurance Vie

Pensions/QROPS

French Tax Issues

Currency Exchange

The date for the local seminar is Friday, 7th October 2016 at the Domaine Gayda, 11300 Brugairolles

. Places are limited and must be reserved, in advance. This venue is always very popular and with less

than a month to go, the event is likely to soon be fully booked. Therefore, you should contact us as soon

as possible if you would like to come to the seminar. I will be at the event with our other advisers in this area, Rob, Daphne and Sue.

In practice, financial advice is needed more than ever in uncertain times. Doing nothing can often

be an expensive mistake. Hence, if you are not able to attend the seminar and would anyway like to

have a confidential discussion with one of our financial advisers, you can contact us

by e-mail at limoux@spectrum-ifa.com or by telephone on 04 68 31 14 10 to make an appointment.

Alternatively, if you are in Limoux, call by our office at 2 Place du Général Leclerc, 11300 Limoux,

to see if an advisor is available immediately for an initial discussion.

The above outline is provided for information purposes only and does not constitute advice or a

recommendation from The Spectrum IFA Group to take any particular action on the subject of the

investment of financial assets or on the mitigation of taxes.

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/.

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

 

 csf28916

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

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

 

lornafranks gillan2015ad

 Foire Aux Vins Réservez la Date 2016

 

 

 

 

Montolieu hires 001

 

 

 

58network

russelcoope14

 

 

 dontpanic

 

 

 vianflyer small PosterHazelOConnorSH2 
meteo ciel3

bridge

You are in four hearts after your left-hand-opponent opened one spade and your right=hand opponent raised to two spades. A spade is led; you try the Queen but it is covered by the King. What now?

Dummy

Q 6

Q 9 7 6

A 10

9 8 7 6 5

Your Hand

A 2

A J 10 8 4 2

K J 2

10 3

Solution.

 

You right hand opponent has the King of spades plus a top honour in clubs (otherwise your left hand opponent would have led them from A K) so your left hand opponent has all the remaining points. Win the Ace and finesse the ten of diamonds. Cash the Ace of diamonds, come back to hand with the Ace of trumps and pitch your losing spade on the King of diamonds.

 

Lizzie Godfrey

Tech Talk
 
 

Two for the Apple        

 

 

apple

 

 

This month sees big updates in the Apple world, both Apple Mac’s and iPhones and iPads get a major OS update.

MacOS Sierra is the new operating system that launched on 20th September, replacing Mac OS X El Capitan. Apple announced an update and new name for its Mac operating system in June. Apple has revealed that the operating system for the Mac is now known as macOS to keep it in line with its other OS names (tvOS, iOS, watchOS 3).

Apple says

Siri makes its debut on Mac, with new capabilities designed just for the desktop. And that’s not the only way your Mac is smarter. macOS Sierra helps you rediscover your best photos, shop faster and more conveniently online, and work more seamlessly between devices. It can also help free up valuable storage space. Now your Mac does even more for you, so you can do more with your Mac.”

So why do you need to upgrade?

SECURITY – a Mac is only safe if its up to date, and you only get the latest updates if you upgrade to the latest version of the Mac Operating system.  Many people believe the Mac is immune to viruses, Malware, spyware, Trojans etc…  THEY ARE NOT.

They are more secure than a Windows computer but they are not immune, Apple are very proactive at fixing problems and closing holes as soon as they are found but only with a release of a completely new OS can they be sure to permanently closed the security holes. 

There are many new features and refinements so it’s well work upgrading. Go to the App store and click on MacOS Sierra. It will take a very long time to download and you will need to click on Install at the end and type in the computers password.

iOS for iPhone and iPad.

New iOS 10 features make your iPhone and iPad dramatically different, but don't worry, almost all of the new iOS 10 features are for the best

Apple Says

“More personal. More powerful. More playful.

Everything you love is now even better with iOS 10, our biggest release yet. Express yourself in bold new ways in Messages. Find your route with beautifully redesigned Maps. Relive memories like never before in Photos. And use the power of Siri in more apps than ever. There’s so much to say about iOS 10 — here are just a few of our favourite things.”

iOS 10 improves and adds upon user experience system-wide including 3D Touch expansion, an updated lock screen, and "widget" support. There are also added features to apps: Messages adds expressive ways to communicate, Maps has been redesigned and extended with third-party functions, Home manages HomeKit-enabled accessories within one place, Photos helps users access algorithmic Memories, and Siri is now compatible with third-party app-specific requests, such as starting workouts, sending IMs, requesting Lyft or Uber and making payments.

Again many of the updates are to improve security, fix bugs and move the iOS system to the next level to compete with Google Android OS.

Go to Settings, then general, software updates and download and install the update.

Windows does not lose out.

Many people are noticing that Microsoft are also updating and that things are changing slightly. Microsoft are slowly rolling out the Windows 10 anniversary update,  this greatly improves the reliability of Windows 10 and fixes many problems. It also slightly changes the Start menu, by moving the program column to the right so that it fills then whole length of the menu. The down side is that they’ve removed the words next to Power, File explorer, Settings – you now only get the symbols. 

 anniversary start menu

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.

Bruce Taylor.

 

 

BTP long banner700x100

 

 

 

  

 

 

 

 

 

 

 

 

 

 

 readers write

Robert Pigney posted: " A group of 'concerned British Citizens' involved in the challenge to the Government's plans to use the Royal Prerogative to evoke Art 50 have won the right to publish its complete legal defence and an unredacted version of their submissions ahead of a "

 

Robert Pigney (robert.pigney@wanadoo.fr) shared a post from Say Yes 2 Europe - Remain in the EU

People’s Challenge group win right to publish secret Government Defence in Brexit case

by Robert Pigney

A group of 'concerned British Citizens' involved in the challenge to the Government's plans to use the Royal Prerogative to evoke Art 50 have won the right to publish its complete legal defence and an unredacted version of their submissions … Continue reading

Read more of this post

Robert Pigney | 28/09/2016 at 1:35 pm | Tags: Article 50, brexit | Categories: Article 50, brexit | URL: http://wp.me/p5r5Vu-24R


Change your email settings at Manage Notifications.

Trouble clicking? Copy and paste this URL into your browser:
https://sayyes2europe.eu/2016/09/28/peoples-challenge-group-win-right-to-publish-secret-government-defence-in-brexit-case/

 

 

I think I want to get the book (The Elements of Eloquence) also.  As an American who grew up reading English stories I love the breadth and depth of English and if the English have a better word for it then I want to know it. Yes, I'm one of those people who reads the older, larger dictionaries as entertainment.

But I am also the graduate of primary and secondary local schools (California) where we learned the basics but somewhere along the line words might have definitions but they didn't really fit into actual structures.

Like verbs. What you wrote about the various tenses so struck home!  I was in French I and to discover that there was a system which not only clarified when but a specific when , well that was a revelation. And an incredible tool for expression.

I found an actual beauty in the various forms and knowing what calls for the subjunctive can influence what and how I write. I did find that the imperfect is used even in churches now for some of the lesser used tenses, but my eye and my mind still recognize it when I see it and sometimes the correct verbs crawl out of my memory.

On the anniversary of the Liberation of Paris I read a brief account and decided I wanted to know more and needing a book that I could take with me for such times as some thing I'll not read quickly, I bought a used copy of deGaulle's autobiography. The translation was such that I could almost reverse the translation and know what the original French was.  It was a funny feeling as if I were reading two books at the same time. Later (and I still haven't finished the book) I decided it was because the man was used to writing that way so the translator could be fairly faithful to the original but make the translation work.

Someone told me once I must be reincarnated from someone who lived in France and it was that which gave me fluency. I think not. I think the brain loves to learn and it appreciates things which organise themselves, which is what French does.  For years when I spoke little French I still had dreams in French.

This close bond with the language has made it difficult to speak Spanish with any fluency as the brain is on automatic default to French. Reading it, fine. Speaking it...I was ordering some Mexican food and told the person  what I thought was "I am very hungry for some Mexican food" and everyone in the place burst out laughing. What I had said was that I was very hungry for some missing Mexican (man). I have a very good Spanish accent which makes the errors worse...and funnier.

regards,

Lynda 

 

 

 

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 Octobre

Argeliers  Exposition ventes de brocantes

Coursan  Vide grenier de cuxac

Port Leucate  Tante Marie Vide ses greniers

Thézan-des-Corbières   Exposition playmobil

Canté  Les automnales de Canté

Varilhes  Vide grenier brocante sur la D624

Dimanche 2 Octobre

Argeliers  Exposition ventes de brocantes

Bages  Vide grenier

Bram  Vide grenier des familles rurales

Carcassonne  Vide grenier brocante

Carcassonne  Vide grenier du FFBC

Coursan  Vide grenier route de cuxac

Fleury d’aude  Vide grenier

Gruissan  Vide grenier

La Redorte  Vide grenier d’automne

Limoux  Brocante la mensuelle

Marcorignan  Hyper vide grenier

Montréal  Vide grenier Marché artisanal

Narbonne  Vide grenier d’automne

Narbonne  Vide grenier Cap de Pla

Narbonne-Plage  Vide grenier au profit de l’association du Chat Libre

Ouveillan  Foire aux Rougnes des Vendanges

Pezens  Vide grenier des joyeuses farandoles

Salles-d’Aude  Vide grenier et fête de la bière

Thézan-des-Corbières  Exposition playmobil

Trèbes  Vide grenier

Baulou  Vide grenier

Foix  Vide grenier dans le cadre de la fête de l’école

Garanou  Vide grenier d’automne

Mazères  Vide grenier

Mirepoix  1er vide grenier de l’association MAMET

Pamiers  Vide grenier, brocante

Rieucros  Foire d’automne

Saint-Lizier  Marché aux puces

Tarascon-sur-Ariège  Puce des couturières

Varilhes  Vide grenier brocante sur la D624

Vernajoul  Vide grenier

Jeudi 6 Octobre

Argeliers  Exposition ventes de brocantes

Samedi 8 Octobre

Argeliers  Exposition ventes de brocantes

Coursan  Vide grenier Route de Cuxac

Varilhes  Vide grenier brocante sur la D624

Dimanche 9 Octobre

Argeliers  Exposition ventes de brocantes

Bagoles  Vide grenier des écoles

Bize-Minervois  Vide grenier de a pétanque

Brugairolles  Vide grenier d’automne

Carcassonne  Vide grenier 2ème dimanche d’octobre

Carcassonne  Vide grenier brocante

Coursan Vide grenier Route de Cuxac

Fabrezan  Vide grenier du FRJEP

Leucate  Vide grenier

Montbrun-des-Corbières  Vide grenier de l’école

Narbonne  Vide grenier

Roquecourbe-Minervois  Vide grenier Association culturelle

Saint-Laurent-de-la-Cabrerisse  Vide grenier ASSL

Sallèles-d’Aude  Marché de la Cousette puces de la couturières

Salles-D’Aude  Vide grenier au château

Sigean  Vide grenier et bourse moto

Trausse-Minervois  Vide grenier

Foix  Vide grenier des pompiers de foix

Léran  Vide grenier

Pamiers  Vide grenier brocante

Saint-Girons  Vide grenier

Varilhes  Vide grenier brocante sur la D624

Jeudi 13 Octobre

Argeliers  Exposition ventes de brocantes

Vendredi 14 Octobre

Les Pujols  Bourse aux jouets

Samedi 15 Octobre

Argeliers  Exposition ventes de brocantes

Coursan  Vide grenier Route de Cuxac

Quillan  Vide grenier

Les Pujols  Bourse aux jouets

Saverdun  Vide grenier marché aux puces

Varilhes  Vide grenier brocante sur la D624

 

Dimanche 16 Octobre

Argeliers  Exposition ventes de brocantes

Bize-Minervois  Vide grenier de la Calandreta Lo Cigal

Bram  Vide grenier de l’AS Bram Handball

Carcassonne  Vide grenier brocante

Coursan  Vide grenier Route de Cuxac

Gruissan  Bourse aux vêtements

Lauraguel  Vide grenier d’automne

Narbonne  Vide grenier du comité voltaire joffre

Narbonne  Vide grenier

Narbonne-Plage  Vide grenier l’APE Gaston Bonheur

Névian  Vide grenier de la Farandole

Ornaisons  Vide grenier

Rieux-Minervois  Vide grenier 14ème Fête de la Citrouille

Saint-Paulet  19ème foire artisanale, vide grenier

Bélesta  Vide dressing – puériculture

Dreuihe  Fete de la châtaigne 11ème anniversaire

Les Pujols  Bourse aux jouets

Pamiers  Vide grenier brocante

Saint-Girons  Puces des cartophiles – vide grenier

Saint-Girons  10ème Salon d’automne toute collections

Saint-Jean-du-Falga  Vide grenier + foire

Tarascon-sur-Ariège  Vide poussettes

Varilhes  Vide grenier brocante sur la D624

 gggggggggggggg

 

 

 

 
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Colleagues of mine at The Spectrum IFA Group attended the International Adviser’s Forum last week. Besides the usual networking events, there were a number of highly relevant presentations given by speakers representing a broad cross-section of industry organisations.

One such presentation caught the eye of my colleagues, and related to pensions (a subject close to my heart) and more specifically Qualifying Recognised Overseas Pension Schemes (or QROPS for short).

The presentation focused upon the possible changes the UK EU exit could bring.

It has been a well-known fact in our industry that the UK Government, represented by HMRC, does not like QROPS and only introduced the concept of them at the behest of the EU. That was back a dozen years or so. Changes in UK pension legislation has only served to reinforce HMRC’s dislike of them, to such an extent that there is serious speculation (and it can only be speculation at this time), that the plug will be pulled on QROPS as the UK exits the European Union.

So what if they do, I hear you ask. Well the QROPS has some rather useful ‘bells and whistles’. For example, if your money currently sits in a UK personal pension or Self Invested Personal Pension (SIPP) and you have gone beyond your 75th birthday, HM Government will levy a quite hefty tax charge on your inheritors on the occasion of your demise. With a QROPS there is no such charge. In a QROPS you can draw a tax free lump sum (PCLS) of up to 30%, a UK pension plan will only allow you to take 25% tax-free.

But the “biggy” is the treatment of your pension tax-wise if the value of your fund exceeds the Lifetime Allowance. This Allowance was introduced to stop the very rich from stashing their wealth in a pension plan, so as to avoid paying inheritance tax on it. First introduced in 2006 with the Pension Simplification legislation (anything but simple), the Lifetime Allowance limit steadily rose over the next five years to £1.8m. However, since then, the limit has been gradually reduced and currently sits at £1m, with further falls to £750k being mooted.

The penalties for exceeding the limit if one doesn’t apply to HMRC to ring-fence and cap the total at the current level of the pension fund is either

55% tax charge if the excess is taken as a lump sum or 25% if the excess is taken as income.

Added to this is the fact that the member cannot make any further contributions to his or her pension savings.

Compare this to the QROPS – there is no Lifetime Allowance on a QROPS, which means that for those ex-pats lucky enough to have up to £1m in their pension fund (or the capitalised value of their Defined Benefit pension scheme is currently worth up to the Lifetime limit), there is a big argument to move this into a QROPS to avoid any future tax trap, if indeed there is a further reduction in the Lifetime limit. So when was the last time you checked your pension fund? Should you be having it assessed to see what pitfalls could befall you over the next couple of years?

Pension planning is a highly specialised and complicated subject. Everyone’s situation is different and it is very important to seek professional advice, so that the best course of action for you can be

established.

We talk about QROPS and pension planning in general in our popular financial seminars across France –Le Tour de Finance - Bringing Experts to Expats”. Overall, our industry experts will be presenting updates and outlooks on a broad range of subjects, including:

Financial Markets

Assurance Vie

Pensions/QROPS

French Tax Issues

Currency Exchange

The date for the local seminar is Friday, 7th October 2016 at the Domaine Gayda, 11300 Brugairolles. Places are limited and must be reserved, in advance. This venue is always very popular and with less than a month to go, the event is likely to soon be fully booked. Therefore, you should contact us as soon as possible if you would like to come to the seminar. I will be at the event with our other advisers in this area, Rob, Daphne and Sue.

In practice, financial advice is needed more than ever in uncertain times. Doing nothing can often be an expensive mistake. Hence, if you are not able to attend the seminar and would anyway like to have a confidential discussion with one of our financial advisers, you can contact us by e-mail at limoux@spectrum-ifa.com or by telephone on 04 68 31 14 10 to make an appointment. Alternatively, if you are in Limoux, call by our office at 2 Place du Général Leclerc, 11300 Limoux, to see if an advisor is available immediately for an initial discussion.

The above outline is provided for information purposes only and does not constitute advice or a recommendation from The Spectrum IFA Group to take any particular action on the subject of the investment of financial assets or on the mitigation of taxes.

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/.

See you soon.

Derek Winsland

Chartered Financial Planner

Mobile: 0771 71 95 52