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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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61specto

 

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

 

 

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 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

russelcoope14

   

 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

 

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