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So Mr Trump wants to build a wall all along the US Mexican border, its 1989 miles long and he’s going to build “the best wall ever”.  Do you think it will be just a wall? What about housing developments and shopping-wall malls every 20 miles? What a tourist attraction! People could sell Mexican products. It could be like Manhattan but in a long strip, bonkers enough, so it could happen. Perhaps he will use Turnberry golf course and hotel, which he owns, as a model for part of it.



Mr Sarkozy is making hay, claiming Hollande hasn’t gone far enough and isn’t handling it right, no doubt he is correct but I have to believe there would be a similar if not worse mess if he was in charge. That’s not a political comment, I just feel the unions would have a lot more to say and do if they were fighting the conservative power brokers. There still appears to be no Arthur Scargill being pushed forward for everyone to hate and to rail against.



As if Mr Hollande hasn’t enough to do he’s off on inaugural trips to the new world’s longest tunnel, maybe he’s hoping to find google millions buried deep in the mountains.  And on Tuesday he was at the opening of a new museum devoted to the culture of wine in Bordeaux, some have called it the “Guggenheim to wine” but to me that must make it the Gluggenheim.  Who paid that 81m € to build it?  It has 14,000 bottles of wine from 80 countries, the last bit doesn’t sound right but hey.




here are a couple of sites qhich you may find useful

let me know how you get on?






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




Lost in France


Clueless in Limoux




Having never been for a CT scan before I know little of what is involved other than there is a machine which you stick yourself inside. 

It was possibly a sinus head-ache pain but the dentist could see nothing, but it seemed to occur every night around the same time, last 40 mins and disappear.  But nothing visible after an X-ray, so the doctor gave me an order for a CT scan.  Making my appointment I called the place where I had had the X-ray and was told it was somewhere else but the switchboard was the same.  I was given another appointment and was told that I had to pick up a product from the pharmacy.  They didn’t tell me what, all they said was that I shouldn’t eat for 4 hours prior to the scan.  So I wondered if I could just go into a pharmacy with the doctor’s original note and explain that I needed this product.

I thought it better to check with the doctor’s secretary who told me that I would need a prescription for the product, she asked me what product the clinic had recommended.  I didn’t know as I hadn’t been told and I also didn’t know to ask. I gave them the number of the clinic, so they could find out, get the doctor to write the prescription and then tell me when it was ready for collection.  I collect the prescription which includes an additional piece of paper, not sure what this means I take both papers to the chemist who tells me that the second piece of paper means that I need a blood test.  She calculates and says I should have the blood test four days prior to the scan. 

I do all this, thinking that I should have been told all this at the start, but I carry on as it’s a bit like a Treasure Hunt where one clue leads you to the next and the next and so on until you get the scan.

Just before I’m about to leave for the appointment for the scan, I call the clinic just to make sure I am going to the right place (as there are a few) and I’m told I don’t have an appointment.  I insist that I do have an appointment and then eventually after about 5 minutes of giving the same information over and over again I am told that I’ve missed it, it was 3 hours earlier.  Grrrrh!  I’m gleefully told that I can’t have the time slot I thought I had, I also can’t have an appointment this week or next week it would have to be the week after.  I took down the information again, then miraculously thought to ask for an email confirming all this.  Within less than 2 minutes I received an email with all the information I should have been given in the first place, before the Treasure Hunt began i.e. time, place, required medication, information about eating, blood test etc. etc.  Now I don’t think I’m being unreasonable to have expected this information in the first place…. without asking, or am I?

And just to make sure I called both the doctor’s secretary and the clinic again to make sure I didn’t need another blood test, just to make sure I got the same answer from both because no-one is surely going to tell me!













 angloeuropean  nickcamamail

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Tax-Efficient Savings & Investments in France



Some of you reading this article have just completed your first French income tax return. Well done if you achieved

this without difficulty – ce n’est pas facile!


Whether you are new to France or not, the annual tax return is an opportunity to take stock of your financial

situation. In particular, if you had to declare interest from bank deposits (including ISAs), dividends from shares

(even if these were reinvested), and perhaps also gains from financial assets, then your tax and social charges

bill will be higher than necessary. No-one likes paying taxes and so now is a good time to consider alternative

tax-efficient savings and investments, if you want to avoid reduce your future tax bills.



For short-term savings, France has a range of tax-free accounts. The Livret A for deposits up to €22,950 and

the Livret Développment Durable (LDD) for deposits up to €12,000, both paying interest of 0.75% per annum. For

households with taxable income below certain limits, there is also the Livret d’Épargne Populaire (LEP) for

deposits up to €7,700, which pays 1.25% per annum. You have full access to your capital in these accounts at any time.



The interest rates for the tax-free accounts are set by the French government, taking into account average short-term

interest rates and inflation – both of which are very low at present. Realistically, the current tax-free interest rates

could be lower, however, even the French say that it would be political suicide for the government to reduce these

rates now! Whatever the tax-free rates are, however, these are better than comparable standard deposit rates

for other accounts with instant access. Hence, the tax-free accounts are very useful for depositing cash that you

need for an emergency fund, or to meet other short-term capital needs. The accounts do not create any tax

issues and earning some interest is better than none at all.



For medium to long-term savings, the most popular type of investment in France is the Assurance Vie (AV). This

type of investment is very tax-efficient as there is no income tax or capital gains tax on any income or growth, whilst the

monies remain within the AV. Annual deduction of social charges is also avoided, except when investing in fonds

en euros, which are offered by French banks and insurance companies.



When you do take a withdrawal from the investment, part of this is considered to be a withdrawal of capital and this

part is therefore free from any tax. For the taxable element, you can opt for a fixed withholding tax rate, in which

case the insurance company will take care of the necessary deduction, declaration and payment of the tax and social

charges. Alternatively, you can opt to declare the gain through your annual income tax return, in which case the

company will not make any tax or social charges deductions and will provide you with notification of the amount that

you need to declare. The taxable gain will then be added to your other sources of taxable income and taxed at marginal




Over time, AVs become even more tax-efficient and after eight years, the gain in amounts withdrawn can be offset

against an annual tax-free allowance of €9,200 for a couple who are subject to joint taxation, or for ‘one-person

households’, the allowance is €4,600.



Millions of French people use AV as their standard form of savings and investment and many billions of Euros are

invested in this way via French banks and insurance companies, which offer their own branded product. In addition,

there is a much smaller group of companies that are not French, but have designed French compliant AV products,

aimed specifically at the expatriate market in France. These companies are typically situated in highly regulated

financial centres, such as Dublin and Luxembourg. However, before choosing such a company, it is important to

establish that the company has complied with all the formal French tax registration procedures, so as to ensure that

you will receive the same tax and inheritance advantages as the equivalent French product.




Some of the advantages of the international product, compared to the French product, are:


  •     - It is possible to invest in currencies other than Euro, including Sterling and USD.
  •      -There is a larger range of investment possibilities available, providing both access to leading investment managers,
  •        as well  as capital guaranteed products and funds.


  •      -Documentation is in English, thus helping you better understand the terms and conditions of the policy.


  •      -The AV policy is usually portable, which is particular benefit if moving around the EU, since in many cases, the
  •        policy can be endorsed for tax-efficiency in other EU countries.


AV is also highly beneficial for inheritance planning, both as concerns freedom to leave your financial assets to

whoever you wish, as well as providing valuable additional inheritance allowances for your beneficiaries and I will

cover this in a later article.



Everyone’s situation is different and any decision to invest in assurance vie should only be considered as part of a

wider review of your overall financial situation, as well as your plans and objectives for the future. Hence, if you

would like to have a confidential discussion with one of our financial advisers, you can contact us by

e-mail at or by telephone on 04 68 31 14 10. Alternatively, drop-by to our Friday morning

clinic at our office at 2 Place du Général Leclerc, 11300 Limoux, for an initial discussion.




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 the 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

Daphne Foulkes

SIRET 522 658 194 00017

Numéro d’immatriculation ORIAS 10 056 800



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



stone b116

csf june16

Email:;  Website:

Forum:      Local Association No : W112000594








Fanjeaux 001 
















aude builders flyer ad FINAL 

leran event

L'Audeaunat's Wildlife diary.

Throughout the month of May we have been able to see the return of the last migratory birds. Amongst the most colorful are the Bee-’eater (Merops apiater), who comes here to build his nest in an underground hole excavated by the bird itself, and be enchanted by the tropical sounds of the Golden Orioles who are reclaiming  their territories on the banks of the local rivers.



This time of the year is also marked by the appearance of most of the odonata, the beautiful dragon flies and damsel flies. After having spent several moths underwater as eggs and then larvae, they are at last ready to spread their wings and fly off to find a mate to have the next generation with. Keep an eye out for the aerial dances over suitable water habitat.





For those with a taste for the delicacies of edible wild plants it’s also the moment to collect the flowers of the Elderberries, (Sambucus nigra, not to be confused with its smaller cousin, Danewort, Sambucus ebulus,  with numerous white – occaisionally pink -  flat-topped flowers) and those of the Black Lotus tree (Robinia pseudoacaccia), which can be used to make delicious Spring doughnuts.

Loïc Brepson, Wildlife guide


You are in 3NT and they lead the Jack of spades. Over to you.


5 4 3 2
J 2
J 10 9 87
J 5
Your hand
K Q 5
A Q 4 3 2


You have nine tricks if you can access those diamonds in Dummy. Win the lead and cash the diamonds in hand. Now play the King of hearts. If they take it with the Ace, the jack is an entry to Dummy. If they duck, present the Queen of clubs. If they win this, the Jack is your entry to Dummy. If they duck, play a small heart from hand. Whatever happens now, you have nine tricks. Two heart, two spade, two club and three diamond tricks. Contract made.



Lizzie Godfrey

meteo ciel3

BTP long banner700x100






 Nathalie Serge FB Post





 fetes aude autumn













 Queen Soiree 1









 readers write




Just a reminder that our open weekend is now only a week away, the programme is similar to previous years (attached).  We are particularly pleased to be welcoming two new exhibitors -  Pierre Charpentier of le Cité des Abeilles with honey and terracotta beehives and on Saturday only the association audenat will be here along with the LPO (Ligue pour la Protection des Oiseaux) with a range of bird boxes etc and they will be constructing a reptile shelter in the garden, they will be delighted to speak to anyone who has an interest in wildlife gardening.

We shall be offering tours of the garden as usual and there will be plants for sale too.

Hoping to see you!



PS   Forgot to mention thatduring the weekend we will be acting as a collection point for supplies for the container that is going to Syria in mid June as part of the work of the association Languedoc Solidarité avec les Refugiés (, for this container they really need medical and  hygiene supplies, baby items (nappies, wipes, milk and bottles), bedding (duvets, sleeping bags, pillows), footwear and ladies dark coloured leggings and long lightweight tops.  If you are able to contribute supplies or cash for this project it would be much appreciated!




Following the Simon Sweeney letter, republished here, I feel that it contibutes nothing in respect of the forthcoming referendum and adds little to the argument except the authors obvious bias towards the European state. The list, although long, is simply that: a list. Is it meant to pose or answer the burning question of whether we remain or exit? In fact it does neither.

The list of functions it extols as European inititives is completely skewed. The vast majority of those functions would be happening or would have come about anyway as a natural progression of any modern country. Social and industrial development is often driven by a need to conform to overseas markets as well as domestic ones. I don't think our democracy should accept lessons on any matter from an unelected executive. Especially when the likes of the Kinnock Family Corproation and Mandelson form part of that paricular executive 'gravy train'.

As for the trade figures quoted: it is nonesense to assert that an exit would mean trade between the UK and Europe would cease or even diminish. Can you imagine the German and French car manufacturers, the French wine producers, the Spanish fruit farmers etc etc, all refusing to sell us their products? Can you imagine that those same governments would impose tariffs, which would of course be reciprocated by us, and thereby damaging their own economies? The fact that they sell us far more than we sell them puts us firmly in the driving seat on trade. After all the customer is always right.

I am not being an advocate for any side of the referendum, I will decide how to vote on the information I have and will not try to persuade anyone that I am right and they are wrong. However to publish a letter which is clearly designed to skew the argument towards remaining in the EU, and which is at best vague and at worst factually incorrect, does demand a response. The response is not an attempt to persuade anyone to vote either way, but simply to ask people to ignore spurious claims from any quarter and to investigate the information for themselves. It is all there and easy to find in the public domain. Sadly though most people I do speak to on the subject seem to be 'single issue' voters. The economic and philosophical arguments are both compelling if they are examined logically and without any particular bias. If everyone did their homework and became better informed then the result, either way, would be a true reflection of how a democracy works and arrives at a just decision. Perhaps that lesson alone might make the EU beaurocrats take notice of what democracy actually means and how to exercise it. But I am not hopeful.





Can you get the amazing fish and chip van

which advertised last year to publish their

schedule for this year?





Watch your bank statement (online if possible) for fraudulent card transactions to "Orange VAD 88 Nantes" (or similar). 

Internet research shows that this is a fairly widespread scam.

Easy to confuse with phone payments, these crooks have just taken 50 EUR from my bank account ("Paiement par carte").

Once a payment has succeeded, they will apparently keep on charging amounts ranging from 5 to 70 EUR at odd intervals.

If it happens to you (double-check to make sure it's not a genuine transaction), the recommended course of action is:

  1. Phone (or call in at) your bank ASAP to tell them what has happened and "faire opposition à la carte". They should block your card and order a replacement (typically takes 2 to 3 weeks)*.
  2. Go to the Gendamerie to "dépose une plainte". They will take your details and give you a report form that includes a (model) letter to send/take to your bank.
  3. My bank (Credit Ag) offered to write the letter for me – if yours does the same, this is the fastest solution. If not, copy out the model letter from the Gendarmerie, adapt it to the circumstances and send/take it to the bank.

Your bank should reimburse the fraudulent payment (no fees chargeable) within 2 or 3 weeks.

*You will be without your credit card until a new one is issued. In the meantime you'll have to use cheques and/or ask for a cash withdrawal at the counter.

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 4 Juin


Argeliers  Exposition ventes de brocantes

Coursan Vide grenier

Limoux Vide grenier des joyeux petanqueurs

Port Leucate Tante Marie vide ses greniers

Mirepoix Exposition Playmobil

Péreille Vide grenier de rabaute

Saverdun Vide grenier + piece auto marché aux puces sous chapiteau

Varilhes Vide grenier brocante

Varilhes Foire à tout vide grenier nocturne

Varilhes Bourse à l’auto et moto


Dimanche 5 Juin


Aragon Vide grenier de l’Ecole d’Aragon

Argeliers  Exposition ventes de brocantes

Argens Minervois Vide grenier annuel du Tennis Club

Azille Vide grenier

Bize-Minervois 4e vide grenier du petanc club

Bram Vide grenier parc du château

Capendu 25eme bourse aux armes et militaria

Carcassonne Vide grenier brocante

Carcassonne Vide grenier de printemps au quartier des Castors

Coursan Vide grenier

Cruscades Vide grenier de la pêche

Fleury d’aude Vide grenier

Ginestas Mega vide grenier

Gruissan Vide grenier du cos

Laure-Minervoix Vide grenier de l’école de Laure Minervois

Leucate Vide grenier

Lézignan-Corbières Puce des couturières et des loisirs créatifs

Lézignan-Corbières Vide grenier au profit des enfants du FCL13

Limoux Brocante la mensuelle

Luc-sur-Orbieu  Annuel vide grenier los footejayres

Montréal Vide grenier marché artisanal

Montredon-des-Corbières Vide grenier

Moux  Vide grenier

Narbonne Vide grenier Narbonne (Cap de Pla)

Narbonne Vide grenier de printemps

Narbonne-Plage Vide grenier au profit de l’association du Chat Libre

Paraza Vide grenier

Pennautier Vide grenier

Peyriac-de-Mer Vide grenier associatif

Quillan Vide grenier

Ribouisse Vide grenier

Saint-André-de-Roquelongue Vide grenier de l’Oustalet

Saint-Denis Vide grenier

Saint-Marcel sur Aude Vide grenier pour France Alzheimer Aude

Tournissan Vide grenier

Trèbes Bradier de la petite enfance

Trèbes Vide grenier du Tennis Club

Ventenac-Cabardès Vide grenier lors de la 3eme Fête du Cheval

Villemoustaussou Vide dressing enfant et puériculture

Arignac Vide grenier

Banat Vide grenier des écoles de Banat et Rabat



Castillon-en-Couserans Vide grenier

Le Peyrat Vide grenier RPI Bastide sur l’Hers

Léran Vide grenier

Les Bordes-sur-Arize Vide grenier

Manses Vide grenier de printemps

Mazères Vide grenier mensuel

Mirepoix Exposition Playmobil

Pamiers Vide grenier brocante

Rieucros Vide grenier

Saint-Lizier Marché aux puces de la cave au grenier

Varilhes Vide grenier brocante

Jeudi 9 Juin

Argeliers Exposition ventes de brocantes

Samedi 11 Juin

Argeliers Exposition ventes de brocantes

Belvèze-du-Razès Festi’jeunes

Coursan Vide grenier

Gruissan Vide grenier des amures

Saint-Laurent-de-la-Cabrerisse Vide grenier

Trèbes Vide grenier Tennis de Table

Lézat-sur-Lèze Vide grenier de la Sainte Antoine 2016

Ornolac-Ussat-les-Bains Vide grenier de l’azta

Saverdun Vide grenier + piece auto marché aux puces sous chapiteau

Varilhes Vide grenier brocante

Varilhes Foire à tout vide grenier nocturne

Varilhes Bourse à l’auto et moto

Dimanche 12 Juin

Argeliers Exposition ventes de brocantes

Brousses-et-Villaret Vide grenier vide jardin

Carcassonne Vide grenier brocante

Castelnaudary Vide grenier

Coursan Vide grenier

Donazac Vide grenier

Gruissan Vide grenier de la pétanque

Lauraguel 1er vide grenier de l’APE Vive l’Ecole

Limousis Vide grenier annuel de l’association culture et loisirs

Limoux Vide grenier, portes ouvertes de l’école Calendrette

Mazuby Vide grenier

Narbonne Vide grenier COS Narbonne dans le Parc des Sports

Narbonne Vide grenier et vide maison

Narbonne-Plage Vide grenier

Paraza Bourse aux armes anciennes et militaires

Pezens Vide grenier de l’école

Puicheric Vide grenier de l’Aappma

Quillan Vide grenier des chats libres

Rieux-Minervois Bourse moto – vide grenier

Rouffiac-d’Aude Vide grenier des écoles

Saint-Martin-le-Vieil Vide grenier

Saint-Pierre-la-Mer Vide grenier

Villalier Vide grenier de l’ACCA

Vinassan Grand vide grenier de l’APE

Besset Vide grenier

Foix Vide grenier des pompiers de Foix

Mirepoix Vide grenier GV

Pamiers Vide grenier brocante

Saurat Puces sauratoises vide grenier

Tarascon-sur-Ariège Vide grenier

Varilhes Vide grenier brocante








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What's On

THE WHO 14 June Zenith Toulouse

NEIL YOUNG 21 June Zenith Toulouse


ELTON JOHN 8 July Argeles


PHARRELL WILLIAMS 16 July Carcassonne Festival

MUSE 17 July Arenes de Nimes

DAVID GILMOUR 20 & 21 July Arenes de Nimes

MARIANNE FAITHFULL 29 July Carcassonne Festival

SCORPIONS 31 July Carcassonne Festival


PETER DOHERTY 18 nov Bikini Toulouse


CIRQUE DU SOLEIL 22 to 26 Nov Zenith Toulouse

 screen shot 2016 05 03 at 9 16 42 am

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