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Did you hear about the Frenchman who was caught a few weeks ago, with an Audi A4 loaded with immigrants whom he had picked up in Ventimiglia and driven across the Italian-French border?

He claimed he was transporting the nine for humanitarian purposes.   They said he had said he was a taxi and charged had them between 50 and 100€ each.  There were nine people from Pakistan and Afghanistan but the bit that I find interesting is that the French authorities drove the would-be migrants straight back across the border and returned them to Italy……….

It’s all gone quiet on the Julian Assange front, but it would appear it will warm up quite soon. Apparently the Swedish law of limitation for certain offences means that the suspect must be charged within 5 years of the alleged incident - so unless something unexpected happens three of the four potential charges against him will not exist.  Will the fourth and most serious charge be dropped on the 18th August?


Back to school is imminent heralded by kids with distraught parents trying to choose all of the essentials for the new term. That means some foires aux vins should be just around the corner.








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

Lost in France

My enjoyment of vide greniers remains unabated despite the fact that prices are continually rising as more and more non-French come to realise the joys of vintage chic.  I suppose some French stall-holders are bemused by the fact that we will pay for goods they really are throwing out while on the other hand some believe charge (what to me are) extortionate prices for things which are already going out of fashion.


But some things I can’t stop myself buying and that’s old magazines.  The articles, whether they are in L’Illustration, Paris Match or Marie Claire are full of snippets of social history.  You know the kind of thing, how to make a three course meal out of a stick of celery, an egg and a cup of flour.  But there are poignant reminders of a different world.


From Marie Claire November 1940

‘Question: I left Paris in June by which time I had not received my tax bill for the past year.  Now my wife and I find ourselves in the Unoccupied Zone.  Our Parisian apartment remains empty and I am concerned that because we weren’t able to pay our taxes, the tax man will seize our apartment and sell it without our knowledge.  What can we do?  Is there any way of preventing this happening?

Answer: The Minister of Finance is particularly concerned with taxpayers who find themselves in your situation.  From now on in order to facilitate the regulation of taxes, contributions can now be paid to a tax authority other than the one where the tax has been established for that residence.  The Revenue Authority is taking over such payments from the relevant tax authority.

By conforming to these arrangements, you should have no further concerns over the security of your apartment in Paris.’

That’s that sorted then.  





 lenetwork  Local press ad







I’d like to revisit the topic of pensions this month; specifically QROPS pensions.  I’m sure you remember that it stands for Qualifying Recognised Overseas Pension Schemes. I spend a lot of time talking to clients these days about QROPS.  I don’t want to bore you with loads of technical detail here; I want to concentrate on the core reason why you should consider a QROPS if you are non UK resident or are considering becoming so.  Much has happened this year in the UK pensions industry, and it has tended to cloud the picture regarding expats and their retirement savings.  Let’s try to regain some clarity.


If you’ve moved to France, or are considering a move here, you need to at least consider a QROPS as an option. It gives you the right to move your pension fund out of the UK jurisdiction altogether, and have much more control over your pension pot, and protect it from internal taxation and other forms of interference from the UK system which is focussing more and more on how to tax your assets.



I’m talking to a client in this position at the moment.  His name isn’t Steve, but we’ll call him that anyway. He has a £400,000 pension pot made up of four different pensions accrued over his working life.  He and his wife are UK resident, but intend to be French resident soon.  I’ve given him all the background information, and he has come back with a very succinct question:


‘I think it quite likely that I will live in France for many years, but equally likely that I will return to the UK at some stage in the future.  As my pension will revert to UK jurisdiction when that happens, is it worth my while paying the overseas trustee fees while I am outside the UK?’


Steve is 65 years old, and he thinks he will return to the UK when he is 80.  Let’s also assume a modest net return of 5% per annum of the QROPS pension.  This of course cannot be guaranteed, but is the current performance of my preferred investment fund over the past 5 years. Let’s assume that he decides to do a QROPS transfer.


Now let’s move forward in time by 10 years.  Steve’s pension fund is now worth £550,000.  (the mathematicians amongst you will of course realise that he has been drawing down some of this pension to supplement their other sources of income) He’s quite pleased with this, but would be less pleased to learn that in two weeks’ time he will be killed in a tragic car accident.


As tends to happen in later years, Steve and his wife had discussed what they would do if one of them died.  Steve thought that if he was the one left, he would stay in France, but his wife, we’ll call her Jane, thought it more likely that she would go back to the UK to be with the children and grandchildren.  This is indeed what Jane decides to do, and to facilitate this, she decides to take the full pension pot as a capital sum to enable her to buy a decent house back in Cambridge.  She will invest the proceeds of the sale of the French house when, and if, it sells.


Because Steve decided to transfer under the QROPS system out of the UK pension jurisdiction, Jane will get every penny of the £550,000 pension lump sum.  If Steve’s decision had gone the other way, and he had decided to keep his four pensions in the UK, Jane would be looking at a tax bill from HMR&C of 45% on the majority of the money if she took it as a lump sum.  Her tax bill would be in the region of £210,000 at current rates.


There will have been additional costs in having a QROPS pension, principally to remunerate the overseas trustees who take on responsibility for the administration of the pension under HMR&C rules.  There will also have been savings.  UK pension funds are subject to UK Dividend Income Tax.  The rebate of the 10 per cent credit (ACT) was withdrawn by Gordon Brown, costing pension funds billions in tax. 



It is therefore difficult to quantify how much extra a QROPS costs, if anything at all.  What we can say with a fair degree of certainty is ‘not as much as you might think’.  In Steve’s case it probably cost about £9,000 over the ten years in trustee costs, but £8,000 of this was recovered immediately when he invested his pension money into the QROPS bond. That doesn’t happen with all QROPS, but it can currently with Spectrum.


As far as insurance goes, and I regard this as an insurance policy for while you are abroad, the cost/savings ratio looks pretty impressive. I always practice what I preach; my own pension fund is safely housed in two separate QROPS, well away from the UK tax–grabbers.


With regard to the changes that have erupted on the UK pensions scene this year – Pension Freedom – as the chancellor likes to call it; I think my views are well documented.  I see this as a tax raising scheme, nothing more and nothing less.  It may be that in the future QROPS schemes will be forced to fall in line with the new UK stance, but that has little to do with the many compelling reasons to look at a QROPS transfer


QROPS is one of the topics that we will be featuring at our next  ‘Le Tour de Finance’ seminar. Our industry experts will be presenting updates and outlooks on a broad range of subjects, including:


  •  -Financial Markets
  •  -Assurance Vie
  •  -Pensions/QROPS
  •  -Structured Investments
  •  -Currency Exchange

The date for the seminar is Friday, 9th October 2015 at the Domaine Gayda, Brugairolles. Places are limited and must be reserved, in advance. This venue is always very popular and so early booking is recommended.


If you have any questions on this, or any other subject, please don’t hesitate to contact me, Rob Hesketh:

By phone on 0468 247758 or mobile 0631 787647


Or by mail at   You can find out more about Spectrum on  and

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


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

Email:;  Website:

Forum:      Local Association No : W112000594




 LATINO 28.08.2015 aude
















 fournil 25815  Las Tours DL expo
meteo ciel3









Bridge problem.




You have reached the best of all contracts - 7NT - but the defence have found a killing lead - the King of clubs! Is there a way to make the grand slam? 





10 9 8 6 5 4 3 2

Your hand


Q J 10

J 9 8 7 6 5 3



There is only one hope after this lead combined with the total lack of communication between both hands and that is to find the ten of diamonds singleton. Firstly, cash the Ace and King of spades and throw the hearts from Dummy. Now cash the top hearts in hand throwing all of dummy's diamonds. Next, after a short prayer, play the Jack of diamonds. If the ten drops, you did it!!!!




Lizzie Godfrey













Many gardens are beginning to suffer a little with the lack of rain and the watering restrictions that are now in place in some areas.   (Check the map on this site to see if you are - )  On going garden tasks at the moment are, of course, watering if possible and weeding, but remember to continue to deadhead perennials and summer bedding plants for repeated flowering.  Wisteria can be summer pruned to remove the long, whippy growths.  Maybe the best task for a hot afternoon is to think ahead, it is a good time to be thinking about ordering spring flowering bulbs for planting in early autumn.  There are a number of reputable on-line companies; think about Narcissus tazetta forms, species or botanical tulips, Anemone coronaria, muscari, ornithogalum and other bulbs which are native to Mediterranean and summer dry climate regions.

Despite the drought there are plants which are reliable providers of summer colour and one group of stalwarts are Campsis.  These are deciduous climbing plants that once established can flower from

June to September.  They are sometimes known as Bignones or Trompettes de Jericho.  One of the most popular is the mid orange flowered Campsis Mme Galen but one also finds the deep red/purple of Campsis x atropurpurea, the yellow Campsis radicans Flava, the paler form Campsis Indian Summer and the apricot coloured Campsis grandiflora.  A related climber with unusual flowers that also performs through the summer is the semi - evergreen Dolichandra cynanchoides.  All are good for covering walls, pergolas etc

In a change to our publicised opening hours we shall be open every Friday, Saturday and Sunday from 10am to 6pm until the end of July and after the beginning of September.  During August we shall be open by appointment only, just phone or email if you would like to come and visit the garden or discuss autumn orders.

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. Remember that you are always welcome to visit the garden 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







Friends ---
The UK Select Committee on Work & Pensions
which overseas the performance and activities  of the  Department of Work & Pensions (The Minister is Iain Duncan-Smith) has launched an inquiry into
     The Delivery of Benefits.   Action by you is desired.  

Here is the link -----

The Government publication linked here lists the benefits under review.   read ---  Retired Citizens everywhere will find the list interesting.
Here in Europe (EU) the WFP is of particular concern because from this September it is withdrawn from residents in seven countries of the EU*.  This withdrawal is discriminatory and some of our poorest citizens will suffer.  This discriminatory action is well documented in Roger Boaden's paper linked here (not yet finalised) -

*France, Spain, Cyprus, Greece, Portugal, Malta and the British dependency of Gibraltar.



  • Please act not just for yourselves (The WFP may not matter for you) but in solidarity with those citizens in less fortunate circumstances.  Refer to link

It is hoped you will send a reply to the inquiry.  Below are some guidelines you might follow and/or copy.  Remember it is far more helpful to send a reply based on personal experience - Thus:- Should you know of financial difficulty which will be caused to you or an acquaintance by the withdrawal of WFP in one of the 7 EU countries impacted, or have other "incorrect" state benefit difficulties you should bring it to the attention of the Inquiry committee.

“ Referring to the benefit payment -- The Winter Fuel Payment.  The Dept of W&P  has decided to suspend payment this September from  pensioners in 7 EU countries.  This is based on a contrivance of so-called temperature checks which contravenes the EU principles of equal treatment under Social Security.

The Department of W&P does not understand the significance of the continental climate – It can be very hot in the Summer (just as it was earlier this summer in southern Britain) but Winter can be devastatingly cold  especially in mountainous lands and most certainly in Central and Eastern France. Almost everywhere in the EU winter temperatures descend to where heating is necessary to maintain good health for elderly people. 

If  changes to the benefit provision of the WFP are to be considered then such changes must be applied without discrimination across the EU.”

Please do not include in your reply any links given in this message – the Inquiry will receive some form of these.  As is said above, if you can quote examples of people you personally know who have difficulties that would be useful.  Many pensioners do not have experience of the Internet and are relatively isolated and cannot reply. You might reply on their behalf.
Clearly personally composed mails are always more effective.    Do not mention irrelevancies such as the expense of air-conditioning in summer months. Please think always of those in need and emphasise the discrimination  aspects.

Even the briefest of responses to the Inquiry is good - for numbers matter a tremendous amount in these things.


Incidental Background  & recap..

  • The whole gamut of payment of benefits is under scrutiny and this inquiry pinpoints no particular one of them. So the WFP is just one amongst others. Numerous replies will give it importance.
  • This Select Committee of Work & Pensions is restructured since the election. Mr. Frank Field is now the chairman.  He is perceived as a fair minded  and intelligent Member of Parliament.
  • Mr. Field has been approached by some of us already. Such approaches may have occasioned this Inquiry.
  • The  changes to the payment of the Winter Fuel Payment from next winter 2015 to pensioners residing in other States of the EU, is known to be based on fiddled statistics, and contortions of facts.   These are all detailed in the linked file given above…This file should not be included in any reply.
  • This supplement to the State Pension was badly structured at its conception. Many better-off people get it in the UK and in some other countries of Europe.  But there are many people who need it who now will not receive it because of the mean minded and shallow thinking of officials acting with the blessing of IDS.
  • The law of the EU is that any  benefit payment which can be made to pensioners within the UK should be equally accessible to British pensioner citizens across the EU. There should be no discrimination  however contrived.
  •  This inquiry is launched just as the Government goes into summer recess and replies have to be returned before September 4th. Parliament resumes on the 7th September.

 When you have sent a reply to the Inquiry please also notify the sender of this message so we can judge the degree of support.

                                                                                                                          If you do not want to receive further messages on any subject relating to expatriate citizens please reply with a 'no thank you'.


Brian Cave
le Fourquet, Gourdon, 46300, France


-Votes for Britons  -  







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





This notice has been circulating for a week or so here in France. Unfortunately, it is a hoax designed to worry people rather than a genuine helpful warning. Perhaps you could pass it on in the next Flyer.



This hoax has been circulating since 2010 at least, starting in South Africa.

In 2008 the fuel distributor Caltex gave away keyrings with a small solar powered flashing light to promote its diesel fuel.

According to Snopes, Hoax Slare and others it is a complere hoax.

Please circulate this information to your family & friends to warn them not to take this nonsensical story seriously.


Message from Lt. Daval, Gendarmerie of the Haute-Saône :



Be aware that at this moment tokens to unlock supermarket trollies are being distributed at petrol pumps and on parking lots. They are free. They are also being handed out in certain restaurants.


There is a bugging device inside.

Criminels will follow you from the pump to your home and therefore will know when you are not at home. They will then burgle you. 

According to the police this is the work of Rumanians.

You have been warned.

Attention canular

Cet avertissement a été circulé pendant une semaine ou deux, ici en France.

Malheureusement, il est un canular conçu pour inquiéter les gens, plutôt que d'une véritable mise en garde utile.

Ce canular circule depuis 2010, au moins, à partir de l'Afrique du Sud.

En 2008, le distributeur de carburant Caltex a distribué trousseaux de clés avec une petite lumière solaire clignotant alimenté pour promouvoir son gazole.

S'il vous plaît diffuser cette information auprès de votre famille et vos amis pour les avertir de ne pas prendre cette histoire absurde au sérieux.



Message du Lieutenant Daval, Gendarmerie Haute-Saône :



Attention, en ce moment il y a des porte-clés pour accrocher des chariots qui sont distribués à des pompes à essences et sur des parkings. Ils sont gratuits. Ils sont également distribués dans certains restaurants.


Il y a une puce à l'intérieur.

Les criminels vous suivent de la pompe jusque chez vous à la maison et savent ainsi quand vous n'êtes pas à la maison et ils vous cambriolent.

Selon la police c'est le travail des Roumains.

Vous avez été averti.


Grahame Pigney






Thank you for publishing my email re. the Referendum.  Would it be possible to include the flyer with more detailed information in your next issue please?   The flyer is below:


If the UK votes next year to withdraw from the EU,

what will be the impact on British ex-pats living elsewhere in the EU ?

(such as France, Spain, Denmark, Germany, Cyprus, Portugal, Bulgaria, Finland, Netherlands, Italy, Sweden, etc.)

The answer isn’t straightforward.   It will be dependent on so many decisions which have not, as yet, been debated within the British parliament.

If the Referendum result is to leave the EU, there will likely be a ‘settlement’ period of at least 2 years.  During this time, Britain and the EU will look at reciprocal arrangements, such as we now enjoy.   But remember, if Britain denies certain privileges to EU citizens wishing to live in the UK, then those privileges will almost certainly be withdrawn from us, the ex-pats.

These may include:

* The loss of ex-pats’ right to freedom of movement within the EU.   If we are not in the EU, we have no automatic right to remain in any EU country.  Under the Schengen agreement, we will then be limited to stays of 90 days out of 180 unless a permanent residency card is issued by the State of residence, with provision of proof of sufficient income for support and health insurance.

* We may be required to have a visa/work-visa to visit/work in mainland Europe.   Visas can be subject to quotas.   This change of status could happen overnight! And the Quota Number each year could be reduced.

* We could (for financial reasons) be forced to move back to the UK which already has limited housing stock and problems with the NHS.  

An alternative could be to take local citizenship.  Are your language skills good enough for that?

* Our EHIC cards would probably no longer be valid.

* If we enjoy health provision under E120 (or S1) rules, that could be withdrawn.  

* Our British state pensions could be frozen, as they are already in many other non-EU countries, such as Canada, South Africa, etc. The law allows freezing of the pension for ex-pats, unless reciprocal arrangements are in place.

* We would probably lose entitlement to UK benefits such as Attendance Allowance, Disability Living Allowance etc.

Don’t think these things couldn’t/wouldn’t happen.   We are already to be denied the winter fuel allowance in France and Spain along with four other EU countries and one dependency, without an honest appraisal of the situation.

HELP YOURSELVES AND OTHERS:   if you have been in the EU for less than 15 years, REGISTER TO VOTE IN THE REFERENDUM AND USE YOUR VOTE TO KEEP BRITAIN IN THE EU. your passport and National Insurance Number(s) available).

Please only publish my email address:


Many thanks for your help.


Keep up the good work with all the various scams and other activities, good and not so good.





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

Mercredi 12 Août

MirepoixVide Grenier Nocturne -Animation Musicale

Vendredi 14Août

FitouVide-greniers de l'ete

Villesequelande Vide Grenier Nocturne


Samedi 15 Août

Alet-les-BainsVide Grenier des Chasseurs d'Alet les Bains

Conilhac-CorbièresVide-greniers de la Sabatiera

CoursanVide grenier à Coursan

FeuillaVide grenier de la fête du village

LeucateVide-grenier à Leucate Village (pros et particuliers)

MontlaurVide-greniers, marché aux puces, produits locaux

MoussanVide grenier

PalairacBrocante et vide grenier

Port LeucateVide Grenier - Brocante

Saint-Nazaire-d'AudeVide grenier, marché gourmand, animations, restauration

VillepinteVide Grenier

Les CabannesVide-greniers

MijanèsVide grenier du 15 Août

SaverdunGrand vide greniers nocturne et rue lion d'or


VarilhesVidegrenier brocante


Dimanche 16 Août

Bouriège Les rencontres de Saint Sernin

CarcassonneVide grenier brocante

CoursanVide grenier à Coursan

Cuxac-d'AudeVide grenier et jouets et vetements

FanjeauxVide grenier, brocante

Labécède-LauragaisVide Grenier

Leucate La FranquiVide Grenier-Brocante

Peyriac-de-Mer Vide grenier des livres, vinyles, CD, DVD.

Saint-HilaireVide grenierdans les rues de Saint Hilaire

Tournissan Vide grenier organisé par le comité sport culture et loisirs

Laroque-d'Olmes Vide grenier et vide dressing

PamiersMarché et puces et à la brocantes

SaverdunGrand vide greniers nocturne et rue lion d'or

VarilhesVide grenier brocante



Mardi 18 Août


Vendredi 21 Août

Cucugnanvide-greniers nocturne

Samedi 22 Août

Alaignevide-greniers, Foire à Tout le long des circulades

CoursanVide grenier à Coursan


Saint-Liziervide grenier au coeur du village

Saverdunvide greniers +brocante

VarilhesVide grenier brocante

Dimanche 23 Août

CarcassonneVide grenier brocante


CavanacVide grenier

CoursanVide grenier à Coursan

Lacombevide-grenier annuel

Leucate-PlageVide Grenier - Brocante

LimouxGrande foire a la brocante

MarcorignanVide grenier de la Fete Locale

MazubyVide grenier organisé par la Mairie

MontjardinVide grenier de montjardin

NarbonneHyper vide grenier


Sigeanvide grenier de l'école de Rugby USP

Ventenac-en-Minervoisvide grenier de l'ARCANEL

Villaliervide grenierde la pèche

Villeneuve-MinervoisVide Grenier Organisé parLes Ballerines de Villeneuve


Laroque-d'Olmesvide grenier ET vide dressing

OustVide grenier fete du village

PamiersMarché et puces et à la brocantes

VarilhesVide grenier brocante


Mardi 25 Août




brainsix carpool




What's On


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



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


Give away items


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


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

Standard Display Advert - Corporate


Finished artwork to be 378 pixels by 200 pixels landscape

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


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

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