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Has anyone seen criticism from other car makers of the VW auto groups cover up software? I would have thought they would all have been tutting and saying “of course we would never do such a thing”.  Perhaps they have been saying it and I missed it? Or perhaps the software was produced by a third party company and hawked around all the companies. That at least would explain the silence.


Next Saturday we all get a bit more of a lie-in as the clocks go back, hoorah!


How about Alex Ferguson as temporary head of FIFA?


As you can see i am feeling a little uninspired to rattle on this time, so make the most of it i cant gaurantee it will last






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

Lost in France

I was at a vide grenier on Sunday and for once in a blue moon my English accent was a bonus.  You know all you have to say is ‘Bonjour’ and they have you banged to rights, as it were.  Well, this morning it a good thing being recognised as English.


The stall-holder heard my accent and said that she might have something that would interest me.  She opened the door of her van and pulled out a small packet wrapped up in a piece of curtain material and tied with an off-cut of ribbon.  I was dubious because several times people have tried to fob me off with English books that I probably wouldn’t even take to the good people at the CSF.  So I really tried to hide my excitement when I saw they were original 19th century publications of Kate Greenaway almanacs. 



If you know anything about illustrated children’s books of the 19th century you will have seen her beautifully executed images in fairy stories, nursery rhymes, birthday books, poetry, songs and almanacs.  Her only real competitors at the time were Walter Crane and Randolph Caldecott so she was a major player in her field and is popular with collectors.



I looked at these tiny books (measuring 4 x 3”) all of which were in fine condition, some even having been wrapped in a kind of protective paper - I had to have them.  She wanted €25 a piece for them and there were 12 of them dating from 1883 – 1894.


I never carry a lot of money with me to vide greniers so that I don’t get carried away and buy something stupid.  I left a €30 deposit with her, drove home and back again to give her the price we had settled on.

For once my English-accented French really paid off.

 csf book oct2115





 lenetwork  Local press ad







As the media hype heats up over the question of the UK’s future membership of the EU, clients are already asking

what will happen if the outcome of the referendum is to leave the EU?



The simple answer is that we do not really know because a country has never left the EU. What we do know is,

as British expatriates ourselves, we will be affected in the same way as our clients.


The more complicated answer is that it will depend upon whether it is a ‘soft exit’ or a ‘hard exit’.


A soft exit would be, for example, remaining as an EEA State (in the same way as Norway, Iceland and Lichtenstein).

As such, the UK would still have access to the single European market and full freedom of trade within the EU.

However, in addition, the UK would be free to negotiate bilateral trade agreements with countries outside of the EU, something that is not possible with full EU membership. The UK would still have to adhere to EU product and financial regulations, as well as social and employment rules. EU budget contributions would still be required, although at a

reduced level. Ability to restrict inward EU migration would not be allowed.


A ‘hard exit’ would take the UK outside of the EEA, resulting in it having no automatic access to trade within the EU,

but it could continue to negotiate trade agreements with non-EU countries. There would be no more EU budget

contributions and also no requirement to adhere to EU Regulations. Inward EU migration could be restricted.



With a ‘hard exit’, as British expatriates living in France, we would need to apply for a Carte de Séjour, but if already

resident in France for 10 years, may be granted a Carte de Résidence. Certificates S1 would become a thing of the

past and so British expatriates would have to pay cotisations for French health cover. Equally, EU nationals living in

the UK, would no longer have an automatic right to live and work there.


The referendum is to take place by the end of 2017, but it is more likely now that it will be in 2016. What we can be

certain about is that in the period leading up to the referendum, there will be uncertainty – in capital markets

(particularly in the UK) and in currency markets (Sterling is likely to be under pressure).



As if the referendum was not enough to think about, we also have to continue playing the guessing game with central

bank policy! It was widely expected that the Fed would start to increase US interest rates in September, but that was

not to be. Whilst an increase is not entirely ruled out before the end of this year, no-one can be certain. It is unlikely

that the UK will move on interest rates before the US.


In times of such uncertainty, it is more important than ever to seek advice on how to protect your wealth. At the

Spectrum IFA Group we have a range of solutions to offer clients, depending upon attitude to investment risk and

objectives. For example, have a range of capital protected investments and other low volatility multi-assets funds

available. Hence, clients’ portfolios can easily be adjusted to protect their wealth, as and when necessary, something

that is particularly appropriate during times of volatile markets.


Even when markets are not volatile, the benefits of diversification gained through investing in global multi-asset

portfolios cannot be overstated. If this is combined with using investment management firms that have the size and

capability to carry out extensive research into global markets, and investment risk is managed effectively, this

considerably increases the chances of the clients’ investments performing better than the average over the medium

to long-term.


Some people may be afraid to invest in capital markets during times of uncertainty. However, sitting with large

amounts of cash in a bank is not risk-free. Apart from institutional risk, there is the real enemy of inflation, which can

erode the real purchasing power of your capital, particularly since interest rates continue at ‘all-time lows’. Holding

cash in the bank should really only be for short-term needs which of course includes any short-term capital projects

that you might have planned, as well as a cushion for emergencies. Bank deposits are not usually appropriate for

medium to long-term investment.


The investment solutions that we recommend to our clients are all carried out within tax-efficient products, which are

also highly beneficial for inheritance planning in France. Everyone is different and that is why it is very important that

we carry out a full review of a prospective client’s situation to find the right solution for them. It is equally important to

ensure that this is kept under review and to not be afraid to make adjustments, when necessary.


If you would like more information about the above or to have a confidential discussion about any aspect of financial


planning, 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


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,




 Foire Aux Vins PROMOS A4 2015 ENG AUDE

 Mirepoix ext


















The benefits of massage when you're having trouble sleeping


Roughly one in five Americans suffers from sleep deprivation, according to the American Academy of Sleep Medicine - and there's no doubt that this is a problem in other countries too. That’s a problem, because lack of sleep alters the body’s biochemistry, making it more vulnerable to inflammation and lowered immunity, and more sensitive to pain.


The relationship between pain and sleep deprivation is a vicious cycle,. your body doesn’t get the rest it needs to heal and it's just plain exhausting
Although studies of massage therapy and sleep quality are few, the findings suggest that massage can promote deeper, less disturbed sleep, especially in people with painful chronic conditions (pretty much all of us to some degree even if it's 'only' a sore neck and shoulders). Massage therapy indirectly promotes good sleep by relieving pain and encouraging relaxation.


Because massage therapy stimulates the body’s parasympathetic “rest-and-relax” nervous system (the opposite of its sympathetic “fight-or-flight” response), it counters both physical and mental stresses — giving you a better shot at enjoying the sleep you need to repair tissue during the night and to cope better during the day.


Scrunching our shoulders, craning our necks, sitting for hours, driving in rush-hour traffic — such mundane activities can create patterns of muscle tension (referred to as “holding”) in the body. And when muscles are chronically tense or tweaked, it can have a nasty effect on both our bodies and our minds.


Persistent musculoskeletal tension can restrict blood circulation and nutrient supplies to the body’s organs and tissues. As the weblike connective tissue (fascia) that envelops the muscles gets increasingly dense and less mobile, it can negatively affect posture and breathing. The experience of low-grade, habitual tension can contribute to chronic hormonal, biochemical and neurological problems of all kinds - including difficulty in sleeping.

Massage interrupts such stress-inducing patterns, and helps nudge the body back into a natural state of balance.

Pat Penny

Health and Fitness Specialist / Massage Therapist




meteo ciel3

 truff15 to 16

 Tech Talk

Thanks for the Feedback.


Many thanks to everyone that emailed me about the problems they are having with Windows 10, which I wrote about in the last article.


Fortunately most people have found ways around the small problems and yes most have been very small compared to previous Microsoft Windows releases. Some have gone down the more drastic route of uninstalling Windows 10 and going back to Windows 7. For anyone that has done this I would strongly encourage you to think again and give Windows 10 another go.






Why Windows 10?

Because it’s a new type of Operating system, for the 1st time on a PC the Operating system is not going to stay as Windows 10 version 1, then in six months get a service pack to Windows 10 version 2 – there will not be any more service packs. This time it’s all different Windows 10 is going to be improved all the time, since its release we’ve seen two major updates which added new features and improve others. We are going to get another major update in a few day’s time, which will  improve compatibility with older hardware, speed up internal functions and add more features to the new browser Edge as well as update Flash and other security related components.


So how do you check for updates in Windows 10, click on the Start button (white windows logo bottom left). Click on Settings, then go to Updates and Security, then click the Check now button. It’s a good idea to look in here once in a while to see that you really are getting the updates. They are very important and sometime one gets stuck.


Has anyone been brave enough to try out the Apps yet?


On the right of the new start menu, are the apps, this area can be customised – Right click on any app to remove the app (unpin), change the till size (4 sizes to choose from), or drag the tiles around to suit your needs. (see picture above – this is my customized Start menu).


In the biggest change compared to Windows 8 the Apps no longer take over the whole screen, instead they use a Window, (that’s why Windows is called Windows because programs and apps open in a Windows). This is a huge improvement and makes the app usable at long last.


The Weather App is a good place to start, click on it and type in your location, it will hopefully find somewhere close to you and show you the weather report. Close the app and after a few second the tile in the start menu will change and show you a live view of the weather, the larger you make the tile the more info it shows and you do not need to click on it, its just there and up to date. Most other apps have similar functions the currency is the one I am asked about the most, I use XE cu


rrency and once installed and you have chosen your currency it shows a live exchange rate.


You can add more apps using the Store – but you will need a Microsoft account to be able to download them (you do not need to pay most apps are free). A Microsoft account is free and does give some benefits as it also saves many windows setting and favourites and will sync these to each computer running Windows 8 or 10 that you log into. It also gives you a Microsoft One drive account which is a free cloud storage area, very useful if you want somewhere to security place documents that you can access from anywhere in the world on any computer or any device. I use my Onedrive account to get documents on to my tablet and phone. For a small fee you can increase the amount of storage and then you can sync all your documents to the cloud giving you access to everything – very useful if you have multiple computers or use a tablet when away from home.

For those people that are getting very frustrated using the Edge browser (I know its not as good as Internet Explorer YET!) you can always go back to using Internet Explorer, just type internet into the search bar next to the Start menu bottom left. You can use this search box to find anything on the computer, programs, apps, document etc….
























If you need help or have any questions about your computer please give me a call or send me an email for advice. or Telephone 05 61 60 84 23.

Bruce Taylor.

The Referendum Bill
October 13th 2015 the 2nd reading of the Bill was debated in the House of Lords.
Many members spoke about the lack of a democratic voice for those who have lived beyond the UK for more than 15 years.
Relevant extracts are included in this *** digest ***.
Read what Lord Shipley said
If we left the EU, work permits could return, more people could have to apply for skilled migrant visas, reciprocal health schemes could be reduced, the operation of UK state pensions could be affected and the general ease of mobility for UK citizens across the EU would become much more complicated and uncertain. I wonder whether the Government have calculated the impact if large numbers of UK citizens decided to return to the UK in the event of our exit from the EU.
 The full Hansard report is here
 The Liberal Democrat Party intend at the Committee stage to introduce an amendment to widen the franchise (the voting) to include at least ALL British Citizens in Europe.  This concept was supported by at least some members of all parties. Baroness Royall, who was in the last parliament, leader of the Labour Party in the House of Lords approved.
I am aware that Neil Kinnock (L) -at one time leader of the Labour Party- and Paddy Ashdown(LD) - similarly a previous leader of the LibDems- have said that they will vote for any such amendment.  Lord Lexden (Cons) has pushed for the life-time vote for years.
The Lib dem announcement on this is here……………..
Those in countries beyond the EU who receive this item should grasp the thought that voting rights will add force to the claim for pension parity.  They may not get the vote in this amendment, but if they lobby for support for this amendment – it will hasten the Votes-for-Life Bill.
After that may well follow a true and full representation of the Citizens abroad.  But moreover you may want to live in France or Italy later on or may be your family will – Remember all British Citizens are also European Citizens.
What should be done now…. Lobby a likely Lord!
In the following link you will see lists of the members of the House of Lords. 
It can be difficult choosing which member or members to contact – By scanning down the list one can see names who you feel may be supportive e.g. Bakewell, Blunkett, Boothroyd etc.. and you can see also how active they have been as members.  Lobby those you have not spoken in the ***digest*** above.
“Dear (enter the members name),
The Referendum Bill
Do please support the amendment which will be placed at Committee Stage to ensure that British Citizens abroad who have lost their right to vote and have a sincere interest in the outcome of the Referendum can have a voice in this Referendum.  I understand that leading members of all Parties intend to vote for it including members Kinnock, Ashdown, Lexden and others such as Royall, and many Liberal Democrats and also cross-bench Peers.
Extracts from  Hansard of the debate on October 13th can be read here

        Obviously you can invent your own letter or add material to this one.  And when you get a good response do please acknowledge.
FOR those (all British Citizens) who are also European Citizens – this should interest you….. 
To Register  to vote (if less than 15 years abroad) --
 Remember if you want to remove yourself from getting such information on British Citizenship - reply with 'no thank you'

Brian Cave
le Fourquet, Gourdon, 46300, France
 tim furn




Bridge problem.




You have bid your way to seven spades. The defence lead the King of hearts. How will you make the grand slam?






A 6 5 4

Q 5 4

A 6 5

Your hand


A 10 9 8 7


A K 7 2

K Q 2



Well, we could hope that the diamonds may break 3/3 but we can do better. Win the lead and ruff a heart. Draw two rounds of trumps ending in Dummy and, when they break, ruff another heart, play diamond to Dummy and ruff the last heart. Play a club to Dummy and draw the last trump, throwing a diamond from hand. I think that’s thirteen tricks don’t you?



Lizzie Godfrey










 fetes aude autumn















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




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 24 Octobre

Alzonne Vide greniers et vide jardin

CoursanVide grenier

Saverdunvide greniers +brocante

VarilhesVide grenier brocante

Dimanche 25 Octobre

ArgeliersVidegrenier du bsm xv

AzilleVide Grenier

BoutenacVide grenier

CarcassonneVide grenier brocante




NarbonneBourse aux jouets,livres enfants

Rieux-MinervoisVide grenier duhaut minervois olympique

Saint-Nazaire-d'AudeBourse aux vetements

TreillesVide grenier

Engomer  Foire aux livres

Le Mas-d'AzilVide-tout telethon

PamiersMarché et puces et à la brocantes

Saint-GironsVide grenier brocante

VarilhesVide grenier brocante



Nivez Poster 
 oddting  10422327 661578027284005 2419889099106745960 n




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

UB40 12 April Casino Toulouse


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