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Aude and Ariege Flyer 15 Febraury

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Tony Blair went on record suggesting that people may want to think again about their position on whether to quit Europe or stay, but he doesn’t seem to tell people what to do?

Vitaly Churkin’s death seems to have passed without incident or discussion, he was the Russian Ambassador to the UN. He apparently died from heart failure whilst at work, the medical examiner’s office in New York stated the cause of death needs further study… doubt just because he was a child star.

Churkin Lenin

Vitaly Churkin as Kolya Yemelyanov and Mikhail Kuznetsov as Vladimir Lenin in the 1963 Soviet film Sinyaya Tetrad



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

Lost in France

farm house  Lost in France is not written by Steve and he is not responsible for my views and comments.

I have a friend who has been trying to sell his house, a farm house with loads of land and a great aspect, in the Haute Garonne and sort of within commuting distance from Toulouse.  He’s been trying to sell it, on and off, for about four years.  On and off as he is not always in France but works in UK and Europe.

He has been with a local French agent who after showing a couple of people the property, really couldn’t be bothered to show anyone else if he wouldn’t reduce his price requirement.  Not a lot at the time as it was marketed at €150,000.  This could be because the agent was trying to sell only to local people.

He knows no one French would be interested in buying an old house needing renovation.  So I suggested he try Green Acres website.  This he did this after a tortuous couple of days getting him to write a description and add a substantial amount of photos and last but not least paying the annual fee.

He has since had a constant stream of people of all nationalities wanting to see his property.  He states on his description that there is a lot of renovation work to do.  It will need to have a new roof, new electrics and plumbing for the house, new roof, building floors and walls for the barns, but it seems people are still put off by the amount of work.  Has anyone else had trouble selling their house in France, especially when the house needs a lot of work?  Did they eventually sell and how did they market it?  Does anyone know of any websites selling property that aims directly at people looking for this type of challenge?  There is also enough land to be self-sufficient.  Asking for a friend…..honest.



 charity ball 2017 Aude


 polo bere

bere dish 

Advert 19.02.2017

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Beware the Taxman Cometh

January 2016 saw the rolling out of a system for exchanging financial information between participating countries. This system, developed by the Organisation for Economic Co-operation and Development (OECD), and known as Common Reporting Standards involves HMRC (in the UK) providing the financial information of non-UK residents with the relevant tax authority in the country of residence.

Although the impact of this was not expected to be seen until September 2017, it would appear your local taxman is receiving your information as you read this.

A couple of weeks ago, I received a request from a prospective new client asking for advice regarding their stocks and shares Individual Savings Accounts held in the UK. As you may know, it is still possible to hold existing ISA’s even after becoming non-resident. What you may not know is that the tax advantages in UK do not apply in France; so income taken from an ISA account, although tax-free in UK is taxable in France. Within an ISA, under UK rules, capital gains tax doesn’t apply to realized gains made, either on the sale and cashing-in of the ISA, or by the switching of the funds within the ISA account. Unfortunately, in France, such transactions do attract a capital gains tax liability.

This is what has caught out these prospective clients. It seems their UK Independent Financial Adviser had carried out fund switches in 2014, and this information has now found its way to their seemingly very nice female tax officer, who has written to this couple with a list of investment fund switches, asking for details of book price, sale price and length of time held.
These particular clients, not unusually, have held these ISA’s from before they became ISA’s, in other words from Personal Equity Plans (PEPS).

The tax officer can trawl back to the very beginning in order to gather information, so if you have ISA’s, you might like to dig out that shoe-box containing all your statements, and dust it down in preparation!

This seemingly very nice tax lady has the power to go back 5 years in order to claim capital gains tax on all switches made during that time; needless to say, cashing in your ISA’s will also trigger a CGT assessment in France. So, what are the alternatives?

You can keep your ISA’s for evermore, not making any fund switches, at least not those that would realize a gain, anyway. This may suit some investors, but for the majority who look for active investment management, finding yourself invested in poorly-performing funds would, I suggest, irritate.

The alternative is to ‘bite the bullet’, cash in part or all of the ISA account, and reinvest the proceeds in an Assurance Vie contract, where there is no liability to capital gains tax on gains made within the contract. This will allow active investment management without it resulting in a tax bill every time a fund is changed.

The personal financial landscape has changed permanently, people hiding assets ‘offshore’ will be found out as will people failing to declare UK assets. The longer you hold on to seemingly tax-efficient investments like ISA’s, the greater the potential capital gain will be, and the greater the tax bill will be in France.

In France, the assurance vie is the go-to alternative investment, especially in view of its advantageous tax benefits. Investors therefore have to weigh up the cost of getting out of ISA’s with the future advantages of the assurance vie. And I haven’t even mentioned the Inheritance Tax advantages of the assurance vie, yet….

If you would like to find out more about our French compliant assurances vie, or would like specific advice on your own circumstances, then please contact me direct on the number below. You can also contact me by email at or call our office in Limoux to make an appointment. Alternatively, I conduct a drop-in clinic most Fridays (holidays excepting), when you can pop in to speak to me. Our office telephone number is 04 68 31 14 10


I look forward to seeing you soon.

Derek Winsland
Chartered Financial Planner
Mobile: 0771 71 95 52 


Email:;  Website:

Forum:      Local Association No : W112000594

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readers write

Hi, Steve.

"Fake News" and "Alternative Facts" are very much in fashion.

Your correspondent, Alan (Flyer - curiously - dated 1 February), is not alone in his misconception "that Adolf Hitler was elected" to office.  He wasn't elected.  He was appointed Chancellor in January 1933 by President Hindenburg, in a futile attempt by the political establishment to curb his power.

Hitler and the NSDAP never won a controlling majority in a national election worthy of the name.  In two federal elections and a presidential election in 1932, they fell well short.  Even in the March 1933 federal election, after the Reichstag fire, they failed to win an overall majority.  Shortly after this, all other political parties were abolished, so Hitler & co had an open goal in the November 1933 "election".  Little surprise that they "won" 100% of Reichstag seats.


Bill Pringle

Dear Steve,

Your correspondent Alan...Aude appears to be under the misapprehension that Adolf Hitler was democratically elected. The Nazi party at it's zenith in July 1932  received 37% of the popular vote  which gave them 230 out of 608 seats in the Reichstag. Hitler was appointed Chancellor by the German President, Hindenburg (a first world war Field Marshall who was by now senile) who invoked article 48 of the constitution which granted dictatorial powers to the President in times of national emergency.

Ross Worthington, Ariège

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 25 Février


Coursan  Vide grenier Route de Cuxac


Dimanche 26 Février

Carcassonne  Vide grenier brocante

Coursan  Vide grenier Route de Cuxac

Narbonne  Vide grenier et bourse vêtements

La Palme  Vide dressing

Pamiers  Vide grenier brocante

Samedi 4 Mars


Coursan  Vide grenier Route de Cuxac

Limoux  Vide grenier

Saverdun  Vide grenier marché aux puces

Dimanche 5 Mars

Bram  Vide grenier

Carcassonne  Vide grenier brocante

Caunes-Minervois  Vide grenier

Coursan  Vide grenier Route de Cuxac

Escales  Vide dressing

Limoux  Brocante mensuelle

Narbonne  Hyper vide grenier

Narbonne  Vide grenier et bourse vêtements

Narbonne  Vide grenier Cap de Pla

Palaja  Vide dressing

Salles-d’Aude  Vide grenier du Tennis de Table

Mazeres  Vide grenier mensuel

Pamiers  Vide grenier brocante

Saint-Lizier  Marché aux puces

Saverdun  Vide ta Chambre Printanier

Samedi 11 Mars

Coursan  Vide grenier Route de Cuxac

Dimanche 12 Mars

Carcassonne  Vide grenier brocante

Coursan  Vide grenier Route de Cuxac

Coursan  Vide grenier de Coursan Information Tourisme

Fleury d’aude  Vide grenier

Narbonne  Vide grenier et bourse vêtements

Ornaisons  Vide grenier Ornaisons-Nature

Plavilla  Vide grenier

Pamiers  Vide grenier brocante

Samedi 18 Mars

Coursan  Vide grenier Route de Cuxac

Saverdun  Vide grenier marché aux puces

Dimanche 19 Mars

Carcassonne  Vide grenier brocante

Coursan  Vide grenier Route de Cuxac

Montlaur  Vide grenier Foyer Municipal

Narbonne  Vide grenier et bourse vêtements

Narbonne  Vide grenier

Sainte-Eulalie  Vide dressing et vide maison

Pamiers  Vide grenier brocante

Saint-Girons  Les puces du champ de mars




 Pomas concert 03Mar2017





What's On 

TEENAGE FANCLUB 20 Feb Le Letronum Toulouse


SUICIDAL TENDENCIES 11 April Bikini Toulouse

TOOTS AND THE MAYTALS 28 April Bikini Toulouse

PLACEBO  24 April Zenith Toulouse

SIMPLE MINDS 29 April Halle Aux Grains Toulouse

XAVIER RUDD 18 June Bikini Toulouse


BEJART BALLET 9 July Carcassonne Festival

PIXIES 27 July Carcassonne Festival





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