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Bonjour

I’ve heard nothing back from EDF about my potential refund.   I sent off three separate letters (for three separate accounts) which were accepted and signed for.  My letter was addressed to the Minister in charge of the regulation of energy and said that because of the law which stated energy companies were still charging a tax which had been deemed illegal I would like €xx refunded and enclosed the bills with evidence for that amount.  They were sent at the end of April.

 

If you still wish to have a go heres what and where

 

 

Monsieur le Président
Commission de Régulation de l’Energie
15 rue Pasquier
75379 PARIS Cedex 08

28th April 2014

Monsieur

Suite à l’arrêt de la Cour de Justice de l’Union Européenne daté du 19 décembre, 2013 (affaire C-262/12) concernant la Contribution au service public de l’électricité, je réclame par la présente un remboursement des sommes relatives à la CSPE figurant sur mes factures d’électricité et payées par moi-même au cours des 24 derniers mois précédant la réception de cette lettre (€ xxx).

Je joins à cette lettre des exemplaires de mes factures.

Dans l’attente de votre réponse, veuillez agréer, Monsieur, mes sincères salutations, 

 

 

Clearly June is the month not to try to go anywhere in France, what with the trains and air traffic controllers, oh and taxis.  It’s just better to stay put and potter locally.

 

 

I am writing this and then constructing the current Flyer you have received on what’s considered to be an out of date laptop.  It’s certainly is over three years old and makes all kinds of funny noises. It is being very lethargic and it leads to a very frustrating time at the desk. With the able assistance of Bruce Taylor I know what I need to buy but I also need to buy Windows Office and was struggling with the idea of paying £300 for software.   I have used the same software for a decade or more and don’t wish to change and just couldn’t see myself stumping up that much money. Then I get a mail from the Google corporation telling me I can spend £1000 on their Google Glass which has been newly launched in the UK.  Funnily enough I was much happier to spend that for a new toy than on software that is essential for my day to day operations.  How strange!

 

Francois Hollande calls for flexibility in EU budget rules, this means that he knows that his government won’t make the targets so he’s preparing the way to try to avoid criticism and sanction down the line.

 

The jury should be coming up with verdicts on His Rolfness very soon, I can’t imagine what the new TV series will be if he goes inside.  Strange times eh, who would have thought it?

I don’t understand how so many Dutch cars can be on the roads all over Europe in the summer and that the country still appears full when you are there, has anyone any idea where they are all coming from?

 

So Vladimir Putin agreed a cease fire with the President of Ukraine and appears to have said something quite different to the freedom fighters.  Does he think we won’t find out?

 

More storms in France which can’t be good for the vines and it’s been scorchio in the UK but that will all change as Glasto and Wimbledon get under way.

 

Steve

 

 

 

 

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

 

 

Lost in France

 

 

It’s our local village post office which amuses me.  The lady who works there is very helpful and friendly but sometimes I just wonder, like most things technological, if she is being set up to fail.

In the larger post offices there are machines which help you weigh and pay for your items without the bother of having to queue at the counter.  And it appears that the lady behind the desk in the village goes through the same system, but somehow it doesn’t appear to be as efficient.  She weighs the item on the scales (which isn’t connected to her computer).  Next she keys in the weight into the online form which gives her the price.  She then finds the stamps to the amount of the price on the screen and registers them with her handheld barcode scanner which inputs the information which then allows her to print out the postage label.  Am I missing something here? 

If you are lucky she doesn’t go back and do the whole process again, just in case she has made a mistake.  And it’s not that she is new there, she’s been doing this for a good while so knows how the system works and maybe that’s the point.

 

  

 

 LATINO 04.07 AUDE

 HazelOConnorAES378x535

 lenetwork  bmw

 

 

 61specto

 

 

The European Central Bank made headline news again at the beginning of June, as it reduced its main interest rate from 0.25% to 0.15% and lowered its deposit rate into negative territory from 0% to -0.1%.

 

The reduction in the interest rate makes it less expensive for other banks to borrow from the ECB and ‘in theory’ this should result in credit flowing out to the wider Eurozone community. At the same time, the negative deposit rate means that the ECB will charge banks for keeping their excess liquidity on deposit with it. The thinking is that this should discourage the banks from making the deposits and instead, make the money available for lending to households and business thus, encouraging growth.

 

These measures are part of a package that also aims to increase the rate of inflation in the Eurozone, which continues to fall, as demonstrated by the change in the Harmonised Index of Consumer Prices for May, when the annual rate of inflation fell from 0.7% to 0.5%. However, there are many who think that the current measures are insufficient to turn the trend from continuing towards deflation and feel that more aggressive action should have been taken by the ECB, including an expansion of Quantitative Easing.

 

What does this mean for savers? There is only one answer and that is “bad news”. Even if the banks do start to lend more money into the wider community, since they can borrow from the ECB at 0.15% to do this, why would they borrow from the public (i.e. the savers) at a higher rate?

 

We have been living in a very low interest environment for several years now, although this is the first time that the Eurozone has gone into negative territory in ‘nominal’ terms. In ‘real’ terms (i.e. taking into account inflation), we have already experienced negative returns from bank deposits and even the most cautious of investors are now prepared to look at alternatives.

 

One such alternative is a particular fund in which many of our clients have already invested. Despite the fact that the fund is conservatively managed, over the last four years to the end of May 2014, the Sterling share class has still been able to grow by more than 36% and the Euro share class by 30%. After taking into account annual management charges on the fund, the three year annualised return is around 7% for Sterling and around 5.5% for Euro. A growth fund is also available for those investors who wish to take more risk and USD share classes are available for both the cautious and the growth funds.

 

The funds are part of those of a large insurance company, which has a history going back for more than 160 years. The company is well capitalised and so clients feel comforted by the safety of investing with such a solid company.

 

One of the unique features of the funds is the delivery of a smoothed investment return. On a daily basis, each of the funds grows in line with an expected growth rate, which is the rate of return that the company expects the assets in which the funds are invested to earn over the long-term. This approach aims to smooth out the usual peaks and troughs of investment markets and so is particularly beneficial to investors seeking an income from their capital.

 

Do you have a feeling of déjà vu at this point and are you thinking where have I heard about these levels of investment returns for a cautiously managed fund before? That’s easy to answer because Rob wrote about the same funds in March. What’s interesting is that whilst we are both quoting the same levels of investment returns, Rob was quoting these for an earlier four year period, i.e. for that ending December 2013.

 

It is a well-known regulatory requirement for product providers and investment managers to tell investors that “past investment performance is not a guarantee of future performance”. Whilst this is true, in reality it is only by looking at the past investment performance of a fund that one can really judge the skill of the fund manager. This is not just about how good the manager is at picking stocks - but more importantly - about how risk is managed, particularly through market downturns. Happily, when I am discussing the above funds with clients, I am able to demonstrate the skill of this insurance company by showing a sixty-year history of positive investment returns on an annualised basis over 8, 9 and 10 year periods. This is another reason why cautious investors – who would have previously only ever placed their capital on bank deposit – are very comfortable about switching to this alternative choice.

 

If you are interested in finding out more about these funds and you would like to have a confidential discussion about your financial situation, please contact me either e-mail at daphne.foulkes@spectrum-ifa.com or by telephone on 04 68 20 30 17.

 

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 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/.

 

 

Daphne Foulkes

SIRET 522 658 194 00017

Numéro d’immatriculation ORIAS 10 056 800

 

 

 

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

csf25614

 

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

Forum: http://csf.forum.org     Local Website: www.csf-suddefrance.webs.com

 Local Association No : W112000594

 

 

 

 sofabed

 

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 for web ariege artis

joanbyrnemotorhome

 disco15414

mulligangolf

 Carolyn Knight new ad

 

 

Aude Flyer sept 2013

jcooper1 

 

 

 

 

58network

russelcoope14

 

 

 

 

 f  ithead3010

 

GETTING TO GRIPS WITH CHOLESTEROL

 

 

What is it?

 How can it affect your health?

How can exercise influence your cholesterol?

fitb25614

What is Cholesterol?

Cholesterol is a waxy fat-like substance, found in the bloodstream as well as in bodily organs and nerve fibres. The body uses cholesterol to make hormones, bile acids, vitamin D, and other substances. Most cholesterol in the body is made by the liver from a wide variety of foods, especially from saturated fats, such as those found in animal products. A diet high in saturated fat content, heredity, and various metabolic conditions such as diabetes mellitus influence an individual's level of cholesterol. Cholesterol levels usually rise steadily with age, more steeply in women, and stabilize after middle age.  

Rather than your total cholesterol being the most important figure, it’s really how this figure is made up that is important. There are three parts to consider:

LDL – Low density lipoproteins

HDL –high density lipoproteins

Triglycerides

LDL (‘L’ for Lousy!) Cholesterol
Think of LDL as a bunch of lazy workers in the body! When we eat too much saturated fat, we get an excess of cholesterol in the body – the LDL can’t really be bothered to dispose of this stuff so it just plasters it on the walls of our arteries! This can then form plaque – a thick, rough deposit that can narrow the arteries. If a blood clot then becomes attached to the roughened artery walls, the narrowed artery can become block and a stroke or heart attack can result.

HDL (‘H’ for Healthy!) Cholesterol
HDL cholesterol are the ‘good guys’, they scrape the cholesterol off the artery walls and take it back to the liver where it can be passed from the body, so high levels of HDL seem to protect against heart attack.

Triglycerides
Triglyceride is a form of fat made in the body. Elevated triglycerides can be due to overweight/obesity, physical inactivity, cigarette smoking and excess alcohol. People with high triglycerides often have a high total cholesterol level, including a high LDL (bad) level and a low HDL (good) level.

You can have a seemingly high total cholesterol level that turns out to be OK if your HDL is high and your LDL and triglycerides figures are relatively low. If you have a cholesterol test done, you should always ask to receive a copy of the results where the levels of cholesterol are separated out together with guideline ‘healthy’ level figures.

 

How can exercise influence your cholesterol level?

 

Exercise is an effective way to naturally lower cholesterol. Exercise is known to help considerably with weight loss, and many overweight people typically have excess LDL cholesterol and triglyceride levels. Exercise also has the effect of promoting circulation which helps to clear deposits that may have built up in the blood vessels. Research has also shown that exercise can increase the level of HDL (the good cholesterol) in the body.

The type of exercise you do is less important for cholesterol control than how often and how regularly you do it.

So don’t be too concerned about whether you’re walking or running, swimming or biking, lifting free weights, using weight machines or doing strenuous gardening or DIY. It’s all exercise, and it’s all good for improving your cholesterol profile.

Whatever type of exercise you’re doing, you may believe you need to “feel the burn” to reap real benefits. That may be so for certain fitness goals, but it has nothing to do with improving cholesterol and triglycerides.

Something as simple as walking for 30 minutes every day could have a significant impact on your cholesterol and your health in general.


 

.Pat Penny - Health and Fitness Specialist,  Massage Therapist
European Register of Exercise Professionals

info@potential-energy.co.uk mailto:info@potential-energy.co.uk">info@potential-energy.co.uk

 

 

 

 

 

 

 

bruce11614

 

 

 

 

 bridge

 

Bridge Problem by Lizzie Godfrey.

 

You are in 3NT and they lead a small heart to the Jack on your right. Plan the play.

 

 

Dummy

K 3

8

A J  10 9 8

9 7 6 5 4

 

Your hand

A 7 6 5

A K 10

Q 7 5

K Q 2

 

Solution.

 

If you immediately took the diamond finesse – a 50/50 shot....well you had a better line. If the diamond finesse loses, a heart return sees you making only eight tricks. You can combine your chances by playing a diamond to the Ace and a club towards your King/Queen. If this is ducked, a return to diamonds sees you with nine tricks. If it is won on your right and a heart is played, clubs 3/2 will see you home and, if the King is taken by the Ace on your left, a heart return will give you an extra trick.


 

 

 

 

 

meteo ciel3

 

 

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

 

 

 

 

jardin

 

 

 

 

"June is usually the month when the weather starts to warm up" is the phrase I used when I last wrote some notes for the Flyer, with hindsight it seems like a bit of an understatement; the first ten days of June saw record breaking temperatures in many parts of France and, at the time of writing, it is still very warm.  Unfortunately the Languedoc is still in a drought situation and water restrictions are already in place in the Hérault with the departements of the Aude and the Gard keeping a close eye on how things develop.  So, while keeping an eye on the watering needs of plants is important it is also important to be aware of these wider issues and do as much as we can to conserve water and recycle where possible, even simple things like using water that has washed vegetables for your pot plants can help. 

Wisteria, once established, seems to grow while you watch and now is a good time to cut back long, leggy growths by about 30cm or so.  Many spring flowering annuals and perennials will have set seed already and these can be harvested, stored in a brown paper bag or similar in a cool, dark place ready for an autumn sowing.

Plants which, despite the heat & drought, will flower throughout the summer months are needed to keep colour in the garden.  One large,deciduous shrub or small tree which flowers from mid June until mid September is Chilopsis linearis or Desert Willow, it is a relative of the popular Trumpet Vine which comes from the south west of the US and Mexico and has lovely purple pink flowers.  The Chilopsis needs a sunny position, poor soil and good drainage, it is winter hardy to around -15]C.

Remember that we are restricting our regular opening times to one weekend a month but will still always be available at any time for you to come and visit the garden, talk plants etc by appointment - just email or phone to organise a time.  We encourage people to visit the garden during the summer to look rather than to buy!   Regular opening times for the next few months will be   11/12/13 July, 8/9/10 August and 12/13/14 September.  Remember too that we are always happy to organise guided visits of the garden here for groups.


For any garden queries do get in touch with Gill Pound ( 04 68 78 43 81 or Gill@lapetitepepiniere.com ). La Petite Pépinière de Caunes 21, av de la Montagne Noire (route de Citou) 11160 Caunes-Minervois.

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

 

 

 

 

 

 

 

 

 

 

 

 

The Property Page

 

 

 

 

 front door 011smallarcher

 Razes circulade village

Period house in a beautiful Razes circulade village.  This renovated but unspoilt house is over 200 years old and has far reaching views of countryside, hills and mountains from almost every room, and a stunning roof terrace.  There are 3 double bedrooms, large lounge, separate dining room and kitchen.  There is also a very large walk-thru cellar.  The house retains many period features including a beautiful oak staircase.  

Price 99,000 euros. .

 

 

 

esp107

ESPERAZA
Former Presbetary with courtyard near town centre
107,000€

currencysqbann

40bargain

 Village house to renovate with a courtyard of 80m²

40,000€

neilfront

Villa for sale 11390 Brousses-et-Villaret Aude 295,000 €

 

Bordebasse du Lac - Cottage available for long term rental

 Detached modern house

for sale in Montréal

bennettsplead

Holiday Apartment AiguaBlava,

Costa Brava

www.aiguablava.co.uk

002

Naturist Property 97,500 euro

YOUR PROPERTY ADVERT HERE

50€
for 13 editions (6months)
plus
link to your own web page

 

 readers write

 

 

all replies to mail@audeflyer.com please

Correspondence was flying about re the motorcycle article in the last flyer and i hope to include it in the next Flyer

 

 

Hello Steve,

Would you know of a person in the area able to notarize a document in English, please?
Thank you

Francoise Bonhoure

 

 

Hi Steve,

Please thank Eddie Castellan for me for his recommendation for a luthier for my guitar.

Peter

 

 

Part time resident looking to find classic car enthusiast to assist in maintenance  and enjoyment, Quillan area

 

 

 

 

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 28 Juin 2014

Coursan vide grenier

Fourtou Vide grenier Musica

Lapradelle vide grenier de lapradelle-puilaurens

Narbonne vide grenier de st estauche

Saverdun vide greniers+brocante

Dimanche 29 Juin 2014

Arques vide-grenier

Carcassonne Vide grenier brocante

Coursan vide grenier

Lasserre de Brenac Vide Grenier

Leucate puces nautiques vente de bateaux d'occasion

Leucate La FranquiTante Marie vide ses greniers

Luc-sur-Orbieu Vide Grenier "Los Footéjayres" et "Fitiavana Madagascar"

Mailhac Vide grenier de la petanque

Marseillette Vide grenier

Montolieuleclub des retraités: vide-greniers & bourse aux vêtements

Moussoulens vide-grenier

Narbonne vide grenier de st estauche

Ouveillan Vide-Greniers

Payra-sur-l'Hers vide-greniers

Peyriac-de-Mer 1er grand vide grenierde l'acca peyriac dde mer

Rieux-Minervois vide grenier du foot haut minervois olympique

Salles-d'Aude 5 eme vide grenier de l'amicale pompiers de salles d'aude

Villegly Vide grenier comité des fêtes de Villegly

Villemoustaussou Vide grenier

La Bastide de Lordat foire et vide grenier

Léran Vide Grenier

Pamiers Marché et puces et à la brocantes

Saint-Girons vide grenier brocante association autour des williams

Verniolle  Vide grenier des enfants de l ecole de verniolle

Jeudi 3 Juillet 2014

Les Cabanes de Fleury Vide greniers aux cabanes de fleury

 

 

 

Vendredi 4 Juillet 2014

Narbonne Brocante de narbonne place voltaire

Samedi 5 Juillet 2014

Coursan vide grenier

Narbonne vide grenier de st estauche

Narbonne Brocante de narbonne place voltaire

Port Leucate vide greniers

Foix vide GrenieretVide Poussette Vintage

Saverdun vide greniers +brocante

Dimanche 6 Juillet 2014

 

Carcassonne Vide grenier brocante

Chalabre vide grenier

Conques-sur-Orbiel Vide-greniers du SCION CONQUOIS (Société de Pêche)

Coursan vide grenier

Cruscades vide grenier

Cuxac-d'Aude Vide Grenier au Parc de la Bourgade

Embres-et-Castelmaure vide greniers

Fabrezan brocante de la pêche

Ferrals-lès-Corbières Vide grenier du Petanque Club Ferralais

La Redorte vide grenier

Labastide-d'Anjou 10eme Vide-Grenier du Comité des Fêtes

Lagrasse brocante vide grenier

Limoux La mensuelle le 1er dimanche

Marseillette Vide grenier

Narbonne vide grenier de st estauche

Palaja Traditionnel Vide Greniers de l'Age d'Or

Pennautier vide grenier Cyclo club Pennautieroi

Peyriac-de-Mer Vide-greniers associatif

Peyriac-de-Mer Vide dressing

Saint-Frichoux vides_greniers puces rural agricole peche a la truites

Saint-Pierre-la-Mer vide greniers Brocantes

Villasavary passejaires

Villeneuve-les-Corbières vide grenier" parmi nous"

Celles vide-grenier

L'Hospitalet-près-l'Andorre Vide grenier

Mazères vide grenier mensuel

Mirepoix vide grenier

Pamiers Marché et puces et à la brocantes

Saint-Lizier marché aux Puces, de la cave au grenier

Siguer vide grenier

 

 

 

 

 

 

 

truffcarcroull

 What's On

 

 

 

WORLDWIDE FESTIVAL w Giles Peterson 30 June to 6 July Sete

INDOCHINE, VANESSA PARADIS , BLONDIE, THE SELECTER

7 July Argeles sur mer

SEASICK STEVE,  UB 40 8 July Argeles sur mer

KEZIAH JONES, PHOENIX,  LILY ALLEN 9 July Argeles sur mer 

EELS 11th July Bikini Toulouse

JEFF BECK 12 July Sete

ELTON JOHN 15 July Carcassonne Festival

LANA DEL REY 17 July Carcassonne Festival

GREGORY PORTER 17 July Sete

DR JOHN 18 July Sete 

 

 

JOE SATRIANI + CHICAGO 19 July Carcassonne Festival

FRANZ FERDINAND 20 July Carcassonne Festival

MASSIVE ATTACK 24 July Carcassonne Festival

THE JACKSONS 25 July Carcassonne Festival

VANESSA PARADIS 28 July Carcassonne Festival

JAMES BLUNT 30 July Carcassonne Festival

PHARRELL WILLIAMS 6 Oct Zenith Toulouse

LILY ALLEN 29 Oct Zenith Toulouse

PETER GABRIEL 16 Nov Zenith Toulouse

SAXON +SKID ROW 26 Nov Bikini Toulouse

DISNEY ON ICE 30 Jan 1 Feb Zenith Toulouse

 

   
   

 

 

 

 

 

 

 

 

 

 

 

waitingor englan 
 

leshoriaire

 cognac14strip
 harsh truth  phonenowthen
   
   
  
 
 

 

 

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€

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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

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