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I heard on the BBC news that the Rio Games will be the most polluted since Beijing, wasn’t there only London between?  It must be hard to come up with so much flannel to fill a rolling news programme.  And who would want to be in charge of such games, what with favela gangs, international terrorism, Zika virus and doping?

It sounds like a barrel of laughs.

If it takes €10,000 a month to keep Hollande’s locks sorted what will a Trump bill be? Could it be that he would be taken more seriously if there wasn’t that comb-over turbulence thing going on?

I am sure you will be glad I don’t have too much to say today.





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

Lost in France


bowie faithfullMarianne Faithfull has had to cancel her appearance at the Carcassonne Festival.  I was looking forward to hearing her sing ‘Broken English’ and ‘Working Class Hero’ and perhaps something from Bertholt Brecht (which sort of ties in with my last piece). 

I was also looking forward to hearing for the first time music by Lou Diollon, one of Jane Birkin’s daughters.  It should have been an interesting mix of music from the voice of one world-weary 69 year old who had been performing since the age of 16 and the voice of a woman less than half her age.  Ms Diollon has parents and siblings so prolific it’s hard to imagine they have the time to go to the shops for a baguette.  They are bit like the Skarsgård family, children of Stellan Skarsgård, who pop up everywhere from Vikings to Tarzan to name but two.  Do they get where they are - successful and well known on their own merits?  I very much doubt it.  They will have to be good at what they do, granted, but I think they definitely get a shoe-in by surname alone, at which point they will have to prove themselves.  I once talked to an old friend (famous in her own field) who was delighted that her son had managed to nab himself a job in a very prestigious organisation because all she did was speak to the head of the business and tell her son to send in his cv, he did the interview himself.  I somehow think his cv would have ended up in the bin like 99.9% of most others without her surname at the head of it.

In doing a little research on Ms Faithfull I discovered a duet with Carla Bruni and Marianne, I preferred the one with David Bowie.

Listening to music you enjoy, outdoors on a hot summer’s night is to be cherished and as Ms Faithfull has cancelled due to ill-health, sadly that may possibly the last time I get a chance to see her live.  






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In the wake of the fourth Parliamentary Review into the Financial Conduct Authority and its handling of high-profile incidents, comes the latest criticism from the Financial Services Complaints Commissioner who accuses the FCA of “an unwillingness to face up to and address its shortcomings”. He went on to say he had seen a tendency at the FCA to find reasons for excluding cases from the complaints scheme in circumstances where they should not have been excluded. Oh dear, smacks of Big Brother getting too big for his boots and believing itself to be above the law?


It is currently squirming with embarrassment over the antics of Sir Phillip Green and the BHS pension scheme, and this is fostering the belief in the industry that it is too focussed on the advisory sector and overlooking the problems that Pension Freedoms is having on occupational pension schemes, especially Defined Benefit (DB) or ‘final salary’ schemes.


You will no doubt be aware that the legislation passed in April 2015 relaxed the rules over how benefits could be taken from pensions. Gone was the insistence that a “pension is a pension – its job is to provide your income in retirement.” Although this is true, the old-fashioned rules take no consideration of lifestyle and personal choices. A casualty of this new form of thinking is the annuity, where you handed over your pension pot to an insurance company in return for an income for the rest of your life. A great concept except that the insurance company kept your money when you died. Under the new rules, you could use your pension pot to draw income off in retirement (or even before retirement now). This ‘income’ could be regular or ad-hoc in support of other income like state pensions for example.


Crucially, the new rules addressed the world in which we live and choose to live.  An example of this could be where a member of a DB pension scheme (or a number of schemes over his/her working life) may decide on a change of career, to move to France to buy a property with an attached Gite to rent out. That is a lifestyle choice that perhaps suits that individual. Personal choice.


Under current (and out of date) FCA thinking, the default assumption is that it would not be appropriate for that individual to transfer the accrued benefits from such DB pension schemes, unless it can be proven that such a transfer is in that client’s best interest. How is this tested? Through the Transfer Value Analysis System or TVAS. Results are shown in the form of critical yields and hurdle rates. Sound complicated? You bet! Except it doesn’t allow for lifestyle choices or individual circumstances, which to the member are of far more importance. As advisers we’re told we must advise and inform the client of what’s in his or her best interest, even if it doesn’t gel with that person’s view. Believe me, those conversations are not easy. The FCA, meanwhile, sits in Canary Wharf, navel-gazing while all this is going on. The more cynical amongst us think the FCA has far more on its plate like finding ways to boost its coffers now it’s been told to stop bank-bashing and fining them for their latest misdemeanours.


There is hope on the horizon, however. The new chief executive of the FCA, Andrew Bailey has promised a greater focus on pensions, hopefully this won’t be an exercise in covering their backsides, but rather a genuine attempt to move with the times, providing much-needed and valuable guidance to the people they serve, the consumer. Let’s all hope that this is sooner rather than later and that the FCA doesn’t get distracted too much wrestling with the bear called Brexit.


If you would like more information on our view of how the investment markets are likely to play out into the future, ring for an appointment or take advantage of our Friday Morning Drop-in Clinic, here at our office in Limoux. And don’t forget, there is no charge for these meetings.


See you soon.

Derek Winsland

Chartered Financial Planner

Mobile: 0771 71 95 52



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aude builders flyer ad FINAL 

 csfbookaug PosterHazelOConnorSH2 

Caretaker Wanted

.... for a family holiday home located in Cuxac Cabardes.  Ideally, this would suit a locally based and flexible individual (or couple) who are prepared to do as much or as little as required from one year to the next.  This is a family home (not a commercial venture) so is likely to involve some routine tasks involving the garden, swimming pool and car, as well as one off maintenance and housekeeping/cleaning activities before and after family visits.  Drop off and collection from Carcassonne airport using the owner car would also be very helpful.

If you are interested in finding out more please email us on please provide details of: relevant experience,  where you live, why this might interest you and how we can contact you to find out more.








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Forum:      Local Association No : W112000594






A Swedish version of Restoration man.


Are you as fascinated as we by France's history, nature, culture and cuisine? If so, you might want to follow our project in a couple of articles in "The Flyer". We are a Swedish couple from Stockholm who are Francophiles and since July 1, 2015 proud owners of a restoration object in southern France.

What was it like to buy a house in France as a foreigner?

Who am I to judge a country with sixty-five million inhabitants and with a culture far older than our own? But we all take the liberty to create an image of a different culture. An image based on our experiences, maybe prejudices and of course with a lot of simplifications.

Some finding from the top of our minds…

The building standard is different from the one in Sweden, lacking our demand for perfect finish and technical workmanship according to the Swedish building code. One often sees multifarious solutions that we spontaneously find aesthetically remarkable.

The Agents rarely have "exclusivité" of an object and all of them sell more or less the same properties, and occasionally also the owner tries to sell it at the same time online, thus leading to a system of secrecy regarding addresses and locations.

An extremely unfounded conclusion is that there is a greater margin for bargaining on the announced selling price (perhaps 10% or more depending on the house). The French see haggling more like a natural part of the deal, but it is important to keep in mind to justify the reason and to do it in a respectful way. As always, both seller and buyer must be satisfied by the outcome of a negotiation for it to be successful.

Le Notaire is a well-functioning institution that dates from Roman times and is governed by French law. The notary is an independent lawyer on official mission who ensures that all documents at a house purchase are legally valid for the client's best. You can have your own Notarie or the same as the seller.

The closing of the deal

Wednesday, July 1, 2015, after three months of negotiations, a few administrative forms, and much waiting, we met the seller's representative and our agent at the Notarie’s office for the signing of the "Compromis de vente". The procedure takes around an hour when the Notaire goes through the contract page by page and clarifies and explain. Finally, we signed the document and shook hands. The notary will during the period until the completion of the purchase, among other things, check that there are no mortgages and reconcile other legal and practical conditions.

The entire purchase process was completed after another two months, on 7 September, when we at the notary's office, signed the comprehensive contract with the seller's representative and our excellent agent from Immobilier Minervois who has given us a service and help beyond expectation. Imagine our surprise when the entire process since a few weeks back is completely paperless since France's 9300 notaries have got together to develop a state of the art software with display screens and digital signing.

After the agreement was signed, we had a coffee with the seller and the agent at the village's newly opened bar and were presented as new "Peyriacois".

The start of our project

Our restoration project will be in three stages (one per floor) and is expected to be done by 2018. In parallel with the renovation, we will seek and document the building's history and plan for an accommodation business which is scheduled to start already in 2017.

The project as a whole has as its main aim to find sustainable solutions that contribute to high quality and smart economy of the restoration. It will be a bit of a “test laboratory” for sustainable renovation and later, operations, of an accommodation.

Our house is located in the small village of Peyriac-Minervois, 25 km northeast of the magical medieval world heritage city of Carcassonne and conveniently close to the Mediterranean, skiing in the Pyrenees and in a region full of history!

The house dates back to at least the 16th century and currently both the Archives Départemental in Carcassonne and a medieval archeologist are helping us find the house’s exciting history in more detail.

With a footprint of 45 m2 on three floors, it will give us a living space of more than 90m2 (you have to deduct around 30% when you have a house with medieval masonry walls with a thickness of between 55 and 85 cm).

Now the adventure begins for real!

You are welcome to follow our blog

Translated to Google English:












Mirepoix Musique en partenariat avec

l'association des Amis de la vallée de la Courbière


Louis Merlet (alto)*

Philippe Babin (lecteur)

Musique de J.S.Bach, Stravinsky, Vieuxtemps, Britten

Paroles de Marcel Pagnol, Proust, Restif de la Bretonne et Alain-Fournier

Eglise de Gourbit

Rue de l'eglise, Gourbit, 09400

jeudi le 4 aout  

2100 h

Tarif: 10€

*Elève de Gérard Caussé à Paris, Louis Merlet suit ses études musicales au Conservatoire National de Versailles puis de

Strasbourg où il obtient la Médaille d’Or en Alto et Musique de Chambre.  De 1982 à 1987, il est alto-solo de l’Orchestre de

Chambre National de Toulouse avec qu’il a fait des centaines de concerts, de nombreux enregistrements et des tournées internationals

(Canada, USA, Corée, Japon, Allemagne, Espagne). Il est professeur (chef du département des cordes) au Conservatoire de Toulouse.

Mirepoix Musique

10 Rue du Beal

09500 Mirepoix

Facebook and Twitter  Mimu Mirepoix











 Elodie Oliveira vernissage



csfdressing 16 



















 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

Jeudi 4 Août


Argeliers  Exposition ventes de brocantes

Oust  Vide grenier


Samedi 6 Août


Argeliers  Exposition ventes de brocantes

Coursan  Vide grenier

Fraissé-des-Corbières  Vide grenier

Limoux  9ème Bourse auto, moto, tracteurs anciens

Port Leucate  Tante Marie vide ses greniers

Saint-Girons  Vide grenier

Saverdun  Vide grenier, marché aux puces et bourse aux livres

Varilhes  Vide grenier brocante

Varilhes  Foire à tout vide grenier nocturne

Varilhes  Bourse à l’auto et moto

Vicdessos  Vide grenier


Dimanche 7 Août


Alzonne  Vide grenier du comité des fêtes

Argeliers  Exposition ventes de brocantes

Bizanet  Vide grenier annuel

Bram  Vide grenier

Carcassonne  Vide grenier brocante

Chalabre  Vide grenier

Coursan  Vide grenier

Cuxac-d’Aude  Vide grenier

Leucate La Franqui  Tante Marie vide ses greniers

Limoux  9ème Bourse auto, moto, tracteurs anciens

Limoux  La mensuelle le 1er dimanche chaque mois

Marseillette  Vide grenier

Montréal  Vide grenier et marché artisanal

Narbonne  Vide grenier aux profits des animaux abandonnés

Narbonne  Vide grenier Cap de Pla – à coté Emmaüs

Padern  Vide grenier

Peyriac-de-Mer  Vide grenier associatif

Argein  Vide grenier

Mazères  Vide grenier mensuel

Pamiers  Vide grenier brocante

Saint-Lizier  Marché aux puces

Varilhes  Vide grenier brocante

Vaychis  Vide grenier


Mardi 9 Août


Fleury  Vide grenier, animations estivales Les Cabanes de Fleury

Goulier-et-Olbier  Vide grenier de Goulier


Jeudi 11 Août


Argeliers   Exposition ventes de brocantes


Vendredi 12 Août


Villesequelande  Vide grenier nocturne


Samedi 13 Août


Argeliers   Exposition ventes de brocantes

Coursan  Vide grenier

Port Leucate  Tante Marie  Vide ses Greniers

Portel-des-Corbières  Vide grenier brocante

Saint-Girons  Salon antiquités et belle brocante

Saverdun  Vide grenier, marché aux puces et bourse aux livres

Varilhes  Vide grenier brocante sur la D624

Varilhes  Foire à tout vide grenier nocturne sur la D624

Varilhes  Bourse à l’auto et moto


Dimanche 14Août

Argeliers   Exposition ventes de brocantes

Carcassonne  Vide grenier brocante

Cascastel-des-Corbières  Vide grenier des Amis du Château

Caunes-Minervois  Vide grenier

Coursan  Vide grenier

Cuxac-d’Aude  Hyper vide grenier et marché du terroir

Fanjeaux  Vide grenier brocante

Fitou  Vide grenier brocante

Lagrasse  Vide grenier brocante

Leucate La Franqui  Tante Marie Vide ses Greniers

Rivel  Vide grenier

Saint-Hilaire  Vide grenier

Termes  Vide grenier

Vinassan  Vide grenier de l’été (Parc de Thel)

Coutens  Vide grenier

Laroque-d’Olmes  Vide grenier, vide école

Pamiers  Vide grenier, brocante

Saint-Girons  Vide grenier

Saint-Girons  Salon antiquités et belle brocante

Soueix  Vide grenier association Patrimoine

Varilhes  Vide grenier brocante sur la D624

Lundi 15 Août

Carcassonne  Vide grenier brocante

Conilhac-Corbières  Vide grenier de la Sabatiera

Fontiers-Cabardès  Vide grenier

Montlaur  Vide grenier, marché aux puces, produits locaux

Moussan Vide grenier

Villepinte  Vide grenier

Mijanès  Vide grenier

Saint-Girons  Salon antiquités et belle brocante

Tarascon-sur-Ariège  Vide grenier

Mardi 16 Août

Fleury  Vide grenier, animations estivales Les Cabanes de Fleury

Jeudi 18 Août

Argeliers   Exposition ventes de brocantes


Samedi 20 Août

Alaigne  Foire à tout, vide grenier

Argeliers  Exposition ventes de brocantes

Coursan  Vide grenier

Port Leucate  Vide grenier, brocante

Tuchan  Vide grenier de l’école de rugby

Foix  Grande foire d’antiquité-brocante

Saverdun  Vide grenier, marché aux puces et bourse aux livres

Varilhes  Vide grenier brocante sur la D624

Varilhes  Foire à tout vide grenier nocturne sur la D624

Varilhes  Bourse à l’auto et moto

Dimanche 21 Août

Argeliers  Exposition ventes de brocantes

Carcassonne  Vide grenier brocante

Cavanac  Vide grenier

Coursan  Vide grenier

Cuxac-d’Aude  Vide grenier, brocante, marché aux puces

Lacombe  Vide grenier

Leucate-Plage  Tante Marie vide ses greniers

Limoux  Grande Foire à la brocante

Narbonne  Vide grenier

Palairac  Vide grenier brocante

Quillan  Vide grenier des chats libres

Saint-Ferriol  Vide grenier Annuel

Saint-Julia-de-Bec  Vide grenier d’été

Sigean  Vide grenier de l’école de Rugby USP

Villalier  Vide grenier de la pêche

Foix  Grande foire d’antiquité-brocante

Oust  Vide grenier

Pamiers  Vide grenier brocante

Varilhes  Vide grenier brocante sur la D624








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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

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

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Standard Display Advert - Corporate


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


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

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What's on feature advert

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information about advertising rates and specifications.
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