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So Mr Sarkozy got himself in hot water for describing immigrants as water leaking, the idea being to put some water in each room, the analogy being the countries of Europe divvying up them. Well that’s OK. Oh no that’s not OK but there is a flaw in the argument, there in that there is a fall in the plumbing and wherever they are allocated to go, whether it’s true or not they think they will get best opportunities in the UK, some would say benefits with a capital B.


Yes maybe the Queen should move out of Buckingham Palace and she could spend time at her the other residences.

Redesign her London abode with all offices and chambers to run Parliament in it, give her a wing which can be renovate in the same budget and then commercialise the palace of Westminster, it would make a spectacular JD Wetherspoons

oh such anarchy








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


Email:;  Website:

Forum:      Local Association No : W112000594

Lost in France

Thank you for the people who responded with information concerning my driving license (American spelling) confusion in the previous post.  If anyone else is interested, each U.S. state has its own power to provide reciprocal exchange on driving licenses and sometimes one state will not accept another states driving licence let alone that of another country (e.g. California will neither accept Pennsylvania nor France).  One person’s response included this comment ‘Bureaucracy is merely a method by which Governments (sic) keep their citizens in the dark, in check, and able to manipulate them as the Government sees fit’.   

Although I’m most certainly ‘a glass half empty’ kind of person I have a very good friend who is a ‘a glass half full’ person, and despite the fact that we have known each other for decades, I am still pleasantly astonished by her attitude ( not too sure she is of mine).   I have to tread very carefully and touch every piece of wood in sight before I can say, like she does, ‘everything is alright’.   I regularly have to tell myself that ‘worry is the opposite of prayer.  I think it was Jill Tweedie who said that and what a life she had!  For those of you who haven’t heard of her, look her up and read.  And her obituary in the Independent will certainly give you a resumé of what I’m referring to.  

I’m not one for inspirational quotes set against beautiful serene backgrounds, but this week, despite everything (everything being my inner and not so latent pessimism) I’ve been able to stand on the roof terrace with a glass of wine as the sun moves over to the west, see the view across the valley to the darkling hills, watching the swifts dive bombing and say to myself, ‘ for this moment this is good’. 


It’s the best I can do and I can acknowledge that.






 lenetwork  Local press ad







The Effect of a Greek Default

It is difficult to say exactly what the outcome will be if Greece defaults on its debt. Many people believe that this would

lead to Greece exiting from the Eurozone and possibly also from the EU. However, there is still some opinion that

there will not be a 'grexit'.

The fact that Greece has missed a repayment to the IMF earlier this month is not actually considered to be a default.

This is because the IMF agreed to bundle all its loans to Greece together, so that the various payments that were due

during this month are now due at the end of the month. This has provided Greece with some much needed time during

which it can try to reach an agreement with its creditors.

If Greece does not make the payment due to the IMF by end of June, it will then be classified as being in arrears and

could be locked out of further IMF funding. This potential default scenario would present a number of challenges – not

least the fact that it seems likely that Greece will anyway need a third bailout package, but this could be difficult with

IMF involvement.

Should we be worried about our investments in Euros (or any other currency for that matter)? What about our Euro

bank deposits – are these safe?

The uncertainty with the Greek situation has created some short-term volatility in stock markets, but this is not the only

factor causing this. Whilst important, the Greek situation is probably less of a long-term investment issue than the

prospect of increases in interest rates (and the effect on bond yields), as well as issues surrounding the oil price and

the still existing possibility of a continuing slowdown in Chinese growth.

If there is a Greek exit, there may be some immediate selling-off of risk assets but longer-term, the economic impact to

the rest of Europe should be limited. In the main, this is because most of the Greek debt is now held by

'official creditors' (for example, the ECB, the IMF, the EU). We have a different situation now compared to 2011 and

the exposure of banks to any Greek debt should be cushioned by the stronger capital requirements that are now in

place under international banking regulations.

There is some concern about possible contagion into the peripheral Eurozone countries, which could result in some

pressure on those countries’ bond yields. However, it is important to know that public finances in these countries have improved compared to a few years ago and a number of reforms have been implemented that have improved the

underlying economies. So any adverse effect on the countries' bond yields is likely to be short-term. In reality, a bigger

potential effect on bond yields is the prospect of increases in interest rates.

During the last month, there has been large amount of deposit withdrawals from Greek banks and again, there is some concern that this could spill over into the peripheral Eurozone countries. The question has also been raised that if there

is a Greek exit from the Eurozone could this lead the way for other countries to do the same.

You may recall the famous Mario Draghi speech back in July 2012, when he said ......


"Within our mandate, the ECB is ready to do whatever it takes to preserve the euro. And believe me, it will be enough,"


"To the extent that the size of the sovereign premia (borrowing costs) hamper the functioning of the monetary policy transmission channels, they come within our mandate."



There is great belief in Mario Draghi's ability to ‘pull the rabbit out of the hat’ when it seems that all is lost, despite the

fact that he often has to battle against some other members of the ECB Governing Council to put in place a solution to

a problem. However, it is his final point above that is actually key to what might be needed now for Greece.

If Greece defaults on its debts technically, the ECB could classify Greece as insolvent and this should really prohibit

Greek banks from receiving further support from the Emergency Liquidity Assistance (ELA) programme, since it is

government bonds that are used as collateral. However, the ECB has the power to keep the ELA lifeline open,

especially if it considers this to be in the best interests of the Eurozone.

If necessary, the ECB can also increase liquidity in the banking system by increasing the amount that is injected via the Quantitative Easing (QE) program. Of course, it will need to ensure that this does not drive inflation too quickly (since

this is its primary mandate), but coming from a base of such low inflation, there is a lot of room.

I am writing this article over the weekend between the Eurozone Finance Ministers’ meeting of 19th June and the

emergency EU Summit that on Greece is taking place on 22nd June. By the time that you read this article, maybe a

deal will have been reached. In the meantime, the ECB has already increased ELA funding to Greece, following a

further increase in deposit withdrawals from Greek banks. What seems clear to me is that this is to avoid a collapse

in the Greek banking system and the risk of this spreading – perhaps even beyond the Eurozone.

My personal opinion on this is that a deal will be reached – maybe not at the emergency summit, but by the end of the

month. What choice does Greece have but to give some way on the issues that are proving to be the barrier -

pensions and VAT. After all, if the funding lifeline to Greece is cut off, where is Greece going to get the money from

to pay its pensions at all? Other countries have already had to swallow the bitter pill that the Troika gave out, but they

have suffered the pain and come out the other side on the road to recovery.

However, it may be that the Troika must also give a little for the sake of reducing the risks for the broader international

financial markets and banking community. If a deal can be reached, there will be a third bailout package for Greece,

but whether or not the same discussions will be taking place in another six months' time remains to be seen.

As for our own investments, having a multi-asset approach with broad geographical diversification can protect against

some of the movements that we may see in the period ahead. Choosing the right investment manager, particularly one

who considers risk management to be a key part of the process, is also very important. Part of our role at Spectrum is

to help our clients achieve both of these objectives.

The Greek situation is putting pressure on the Euro and if a deal is reached, this should help the Euro to recover a bit

in the short-term; beyond this, the effect of the QE program should depreciate the value of the Euro. On the other

hand, there is also a potentially growing issue around Sterling to consider and that is that the media is hyping up the

possibility of the UK existing the EU (‘brexit’ as well as ‘grexit’?)’. As this gather momentum, we can expect this to put

pressure on Sterling.

A final point is that markets generally only react to uncertainty, which is what we are seeing now. However, we should remember that the investment decisions we make are usually being made for the long-term and so whilst there may be

short-term issues that we have to navigate around, we should try not to lose sight of our long-term goals.

Are you concerned about the Greek situation and how this affects your financial situation? Would you like to have a

confidential discussion about this? If so, please contact me either by e-mail at 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 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

Daphne Foulkes

SIRET 522 658 194 00017


Numéro d’immatriculation ORIAS 10 056 800


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meteo ciel3









Bridge problem.


You are in 3NT and they lead the King of spades. Whats your best line?.


Black spade (cards)8 7

 Black heart (cards) A 7 4 2

 Black diamond (cards) 7 6 5 3

 Black club (cards) A 7 3

Your hand

 Black spade (cards) A 5

 Black heart (cards) K 3

 Black diamond (cards) A Q J 10

 Black club (cards) K J 6 5 4


You have two possible suits from which to find the extra tricks but which one should you choose? The answer is both!  You cannot lose the lead as the defence will cash all their spades so you must combine your chances. Cash the King of clubs followed by the Ace. If the Queen drops all your clubs are good and you are home and dry and, if not, you are in the right hand to take a diamond finesse. If this works you can go back to Dummy with the Ace of hearts to take it again.





Lizzie Godfrey













Summer seems to be upon us but there are still plenty of garden tasks to keep us busy during cooler moments.  Deadheading of perennials, and staking if necessary; tying in shoots of fast growing climbers, pruning spring flowering shrubs and hoeing annual weeds!

Once the spring flush of flowers is past any plants which flower through the dry summer months are welcome.  One large shrub or small tree that does this is the Desert Willow or Chilopsis linearis, a deciduous plant that somes from the south west of the United States and from Mexico.  It bears bunches of pinky violet flowers from mid June until early September.  Once established it is extremely drought resistant, it likes full sun and well drained soil.  You will sometimes see for sale Chitalpa x tashkentensis which is a cross between the Chilopsis and Catalpa bignonioides or Indian Bean Tree, the latter is more cold hardy (although the Chilopsis came through the winter of 2012 unscathed) and the flowers are paler.

For any garden queries do get in touch with Gill Pound ( 04 68 78 43 81 or ). La Petite Pépinière de Caunes 21, av de la Montagne Noire (route de Citou) 11160 Caunes-Minervois. Regular opening hours at the garden and nursery are every Friday, Saturday & Sunday from 10am to 6pm until the end of November. Do remember that you are free to visit the garden without any obligation to buy but to observe, take notes etc.  We are also always open by appointment, just phone or email to fix a time.

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. .




Former Presbetary with courtyard near town centre



 Village house to renovate with a courtyard of 80m²




Bordebasse du Lac - Cottage available for long term rental

 Detached modern house

for sale in Montréal


Holiday Apartment AiguaBlava,

Costa Brava


Naturist Property 97,500 euro


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

 readers write


I read with interest your ruminations on driver's license (yes, the American spelling) reciprocity with France.  In the U. S., certain government powers are granted to the federal government, while certain other powers are reserved to the individual states.  Apparently, the authority to reciprocate driving permissions are state reserved as the states are the granting authority for driver's licenses.  Question:  How many of the gendarmes in France are aware of the reciprocity laws between various states and France?  Bureaucracy is merely a method by which Goverments keep their citizens in the dark, in check, and able to manipulate them as the Goverrnment sees fit.  How many laws, rules, and regulations are passed by governing bodies each year of which te citizens are unaware until it is too late?



Since each State in the U.S. has its own driving laws, it is up to each of them to determine with whom, or if, they’ll provide exchange privileges. It has nothing to do with the U.S. Constitution or the order in which the individual States ratified it. My guess is that some State Legislatures were either lobbied more effectively or had, at the time, a leaning towards openness. I moved from California, a State without an exchange treaty, and therefore had to take the French driving test. I didn’t really feel this was a bad thing, as it allowed me to learn the rules of the road here, which are quite different from those in California.


To be fair, there are also major differences from State to State, and when I moved from Pennsylvania to California many, many years ago, I had to study the driving laws and take a test to get a California license, as it was not automatic to exchange even from one State to another.


Interestingly enough, I contacted the DMV in Pennsylvania after moving to France to see if my old, expired PA license could be re-issued, and they were willing to do it, however I no longer had my license number and they just couldn’t find the old records.





Happy to find out I can repay some of the great things you do with the Flyer by providing a little info.

Here's the info about the France-US exchanges (including states)      ***

Embassy of France in Washington DC: Driving in France

[***Interestingly, it says people should have the IDP while all other sources I've read say it's not necessary for France and I've never been asked for it all the times I've rented a car in France (or used the Renault lease-hire program). Including the time I got a speeding ticket on the route north from Limoux....(learned my lesson...).]

There is a link ('here')

for the reverse situation:

This page also includes a pdf with a list of ALL countries (and a breakdown where there are individual states within a country) where the exchange is recognized.




A word of warning to the unwary! In the last flyer, Bruce in his useful column wrote of an icon on the Taskbar offering a free upgrade to Windows 10, noting that "I would strongly advise everyone that can to upgrade to Windows 10, it will keep your computer running smoothly and quickly". In the words of one famous musician, "that ain't necessarily so". Windows 10 requires hardware resources that you may well not have on your aging (or even quite new) computer, which may not be able to make the best of what certainly seems a much better alternative to Windows 7 or 8. As usual, Microsoft is a very bad communicator and hides away a crucial link allowing you to check if your computer can run Windows 10 efficiently or not. In the Get Windows 10 app, click the three horizontal bars on the top left of the screen and then click the "Check My PC" link to verify compatibility between your hardware and Windows 10. That check told me that both my 2014 and 2013 ASUS laptops had an incompatible graphics chip, so that the display would not work. So thanks for nothing, Mr. Microsoft Man, I'm turning down your "upgrade".

David, Castelnaudary.


Dear David

I would not written something that would cause problems or slow computers down. Windows 10 has a lower system specification than either windows 7 or 8 so it will run just as well if not better.

It is not a good time to be a doubter there are far too many viruses, trojens, malware and hijacks around and anything that can help is a good thing.

Windows 10 is not like previous releases of new version of windows. Its much more of an evolution from 7 and 8 and this time round microsoft have listened to testers and thoroughly tested it before release.

There are some graphics driver problems at the moment but these should be fixed before 29th July. The update will not install if it detects something that is incomparable so there is no danger.

Best regards




Some vide greniers and foires!
Please check before setting off
They also have a sister site where you can giveaway stuff or find stuff others are giving
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

Samedi 27 Juin

Coursan Vide grenier à Coursan

Saint-Hilaire Videmaison, brocante

Saverdun Vide greniers +brocante

Dimanche 28 Juin

Airoux Vide grenier

Arques Vide grenier

Belvianes-et-Cavirac Vide grenier organisé par l'Amicale Laïque

Carcassonne Vide grenier

Carcassonne Vide grenier brocante

Carcassonne Vide dressing et bourse aux jouets

Castelnaudary Vide grenier + Tombola

Coursan Vide grenier à Coursan

Coursan Vide grenier

Leucate Puces nautiques vente de bateaux d'occasion

Leucate-Plage Vide Grenier - Brocante

Leucate-Plage Vide grenier Tante Marie

Mazuby Vide grenier organisé par la Mairie

Mirepeisset Vide grenier des joyeux conducteurs de 2cv

Montolieu Vide-greniers organisé par le Club des Retraités

Narbonne Vide grenier et jouets et vetements

Peyriac-Minervois Vide grenier des sapeurs pompiers de Peyriac-Rieux Minervois

Quillan Vide grenier de l'association à mi chemin

Saint-Hilaire Vide maison, brocante

Sallèles-d'Aude Vide grenier du FCS

Salles-d'Aude Vide grenier organisé par l’amicale des sapeurs pompiers

Sigean vide grenier brocante

Villesiscle Vide grenier

VillespyVide grenier

Castillon-en-Couserans Vide grenier

GaranouVide- grenier

Laroque-d'Olmes Vide-grenier

Moulin-Neuf Grand vide grenier

OrluVide grenier organisé par l'Ecole d'Orlu

Pamiers Marché et puces et à la brocantes






Samedi 4 Juillet

Coursan Vide grenier à Coursan

Limoux Grand vide grenier du tout tacot Limouxin

Port Leucate Vide grenier - brocante

Foix Vide grenier Vintage

Lorp-Sentaraille Vide grenier

Mercus-Garrabet Grand vide grenier

Saverdun Vide greniers +brocante

Siguer Vide grenier

Varilhes Vide-grenier et foire à tout

Dimanche 5 Juillet

Carcassonne Vide grenier brocante

Chalabre Vide greniers

Conques-sur-Orbiel Vide grenier du Scion Conquois

Couiza Vide grenier des l'association Au Coeur des Estamounets

Coursan Vide grenier à Coursan

Embres-et-Castelmaure Vide-grenier

Ferrals-lès-Corbières Vide grenier du pétanque club ferralais

Labastide-d'Anjou Vide grenier du comité des fêtes

Laurabuc Vide grenier

Leucate La Franqui vide grenier Tante Marie

Limoux La brocante mensuelle le 1er dimanche de chaque mois

Luc-sur-Orbieu Vide grenier et marché aux puces

Marseillette Vide grenier au profit des restos du coeur

MontréalVide-greniers Marché-Artisanal

PalajaTraditionnel vide greniers

Peyriac-de-Mer Vide-greniers associatif

Rustiques Vide grenier de l'A.C.C.A de rustiques

Celles Vide grenier organisé par le Comité des fêtes

Laroque-d'Olmes Vide grenier

Mazères Vide grenier mensuel

Pamiers Marché et puces et à la brocantes

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

Varilhes Vide-grenier et foire à tout

Vèbre Vide-greniers de l'association Vèbre Chemins Faisant

What's On


BEN HARPER 4 July Nimes Festival

LENNY KRAVITZ 9 July Nimes Festival

PLACEBO 10 July Argeles

LENNY KRAVITZ 11 July Argeles

CAT EMPIRE 12 July Argeles

TOTO & CHRISTOPHER CROSS 15 July Nimes Festival

SANTANA 16 July Nimes Festival

SANTANA 17 July Argeles

LIONEL RICHIE 17 July Nimes Festival

STING 20 July Nimes Festival

JOAN BAEZ 22 July Nimes Festival

THE RED ARMY CHOIR 3 Nov Zenith Toulouse

UFO 10 Nov Le Metronum

THE STRANGLERS 10 Nov Bikini Toulouse

NIGHTWISH 26 Nov Zenith Toulouse

LA TRAVIATA 28 Nov Zenith Toulouse

SCORPIONS 4 Dec Zenith Toulouse

CIRQUE DU SOLEIL 22/26 Nov Zenith Toulouse



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