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Aude and Ariege Flyer

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Bonjour

As we hold our breath to hear the news of the winner or the coalition in the German elections, Brexit natter continues in the annual knees up of UK political parties. Stop Press shes done it, hoorah, stability somewhere.

And that Trumpster continues to work daily on his second term by sabre rattling and chest thumping.  We all fear that he may be looking at a big red button in the Oval Office, which no doubt says on it ‘Do not press’.  All he wants to say as he presses it is “you’re fired” although that could be his armageddon tweet.

Ri Yong-ho North Korea’s Foreign Minister has described President D T as “mentally deranged”.

Following Gerard Depardieu becoming Russian, Ralph Fiennes now has a Serbian passport and Colin Firth has dual nationality, British and Italian.  What next I ask myself?

Is it heightened security or just flights from UK that makes Toulouse Blagnac a terrible place to arrive to? Rambling loose queues that take forever to clear immigration.  It must take less time for a refugee to get into the UK from Calais.

Ryanair were belligerent, then they shocked everyone by being nice to deal with and now they have pilot holiday problems.   One would think they would be quite good at rostering and to the best of my knowledge they have lots of stuff on seasonal contracts. Could it be they had a few under-booked flights and decided to make it a thing by cancelling more flights than necessary, and so end up with another huge marketing thrust with all the talk of cancelled flights.  Mr O’Leary then had the opportunity of saying something along the lines of ‘but still people will fly with us’, he’s not wrong.

It should be interesting for En Marche with the vote on Senate seats, perhaps it’s more a case of En Garde

 

 

 

Steve

 

 

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

 

 

Lost in France

 

The views expressed here are those of the writer and not of Steve.

 

Bages LIF

Yesterday I visited Bages on Aude’s Mediterranean coast.  A pretty town perched on an outcrop so walking to the centre of the town is quite steep, but if you live in the region you will know that a lot of towns and villages are similarly positioned and you won’t be deterred.  The view down into the lagoon and on towards the sea is stunning.   Much of this region has amazing views, but because I miss the sea from where I am located, I’m quite happy with the use of that adjective here.

 

This time of year, despite the glorious weather, there are still a few tourists and in Le Café des Beaux Arts virtually all the tables were occupied at lunch time.  I did wonder about the restaurant at the other side of the monument which was apparently open but hidden by trees and with no customers evident at all.  Unsurprisingly there was a large selection of sea-food, cooked beautifully but not cheap.  I guess because they are the only restaurant in the heart of the town there isn’t that much competition from their tree-hidden neighbour.

 

The lagoon at Bages is vast and has a flamboyance (a more interesting word than a ‘flock’) of flamingos.  This does sound like it could be the correct word for a gathering.  If you are a ‘twitcher’ you can book yourself on a birdwatching holiday which would include not just this area but the vultures at Bugarach and river birds along the Aude.

 

Bages isn’t quite as accessible as say Narbonne-Plage or Gruissan but considering this town is only 45 minutes from Carcassonne it is worth visiting while the sun still shines.   There is another pretty lagoon-side town just 6 km away, Peyriac-de-Mer.  Both towns still have an authentic feel with very little commercialism.

 

 

 

 

 

 

 angloeuropean

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PLANNING TO RETIRE TO FRANCE – don’t get caught in the tax trap!

 

Retiring to France can be dream come true for many people. The thought of that ‘place in the sun’ motivates us to save as much as we can whilst we are working. If we can retire early – so much the better!

In the excitement of finding ‘la belle maison’ in ‘le beau village’, we really don’t want to think about some of the nasty things in life. I am referring to death and taxes. We can’t avoid these and so better to plan for the inevitable. Sadly, some people do not plan before making the move to France and only realise this mistake when it is too late to turn the clock back.

 

For example, investments that are tax-free in your home country will not usually be tax-free in France. This includes UK cash ISAs and premium bond winnings, as well as certain other National Savings Investments, all of which would be taxable in France. So too would dividends, even if held within a structure that is tax-efficient elsewhere. All of these will be subject to French income tax at your marginal rate (ranging from 0% to 45%) plus social contributions, currently 15.5%.


Gains arising from the sale of shares and investment funds will be liable to capital gains tax. The taxable gain, after any applicable taper relief, will be added to other taxable income and taxed at your marginal rate. Social contributions are charged on the full gain.


If you receive any cash sum from your retirement funds, for example, the Pension Commencement Lump Sum from UK pension funds, this would be taxed in France. The amount will be added to your other taxable income or under certain conditions, it can be taxed at a fixed rate of 7.5%. Furthermore, if France is responsible for the cost of your healthcare, you will also pay social contributions, currently around 7.4%.


Distributions received from a trust would also be taxed in France and there is no distinction made between capital and income – even if you are the settlor of the trust.


As a resident in another country, it would be natural for you to take advantage of any tax-efficiency being offered in that jurisdiction, as far as you can reasonably afford. So it is logical that you would do the same in France.

 

Happily, France has its own range of tax-efficient savings and investments. However, some planning and realisation of existing investments is likely to be needed before you become French resident, if you wish to avoid paying unnecessary taxes after becoming French resident.

 

I mentioned death above and as part of the tax-efficient planning for retirement, inheritance planning should not be overlooked. France believes that assets should pass down the bloodline and children are ‘protected heirs’, so they are treated more favourably than surviving spouses. Therefore, action is needed to protect the survivor, but this could come at a cost to the children – particularly step-children – in terms of the potential inheritance tax bill for them.

 

Whilst there might be a certain amount of ‘freedom of choice’ for some expatriate French residents, as a result of the introduction of the EU Succession Rules, this only concerns the possibility of being able to decide who you wish to leave your estate to and so will not get around the potential French inheritance tax bill, which for step-children would still be 60%. Therefore, inheritance planning is still needed and a good notaire can advise you on the options open to you relating to property.

 

For financial assets, fortunately there are easier solutions already existing and investing in assurance vie is the most popular choice for this purpose. Conveniently, this is also the solution for providing personal tax-efficiency for you. There is a range of French products available, as well as international versions. In the main, the international products are generally more suited to expatriates as a much wider choice of investment options is available (compared to the French equivalent), as well as a range of currency options (including Sterling, Euros and USDs).

 

If possible, you should seek independent financial planning advice before making the move to France. A good adviser will be able to carry out a full financial review and identify any potential issues. This will give you the opportunity to take whatever action is necessary to avoid having to pay large amounts of tax to the French government, after becoming resident.

 

Even if you have already made the move to France, it may still worth seeking advice, particularly if you are suffering the effects of high taxation on your investment income and gains or you are concerned about the potential inheritance taxes for your family. A full review of your personal and financial situation enables us to identify any issues and recommend solutions that will meet your long-term goals and objectives.

 

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 on the mitigation of taxes.

 

Update - Le Tour de Finance, Domaine Gayda, 6th October 2017


This year’s event is now fully subscribed but we are keeping a reserve list in case of any cancellations, so please let me know if you would like to be added to the list. Alternatively, if you would like to have a confidential discussion about your financial situation, please contact me either by e-mail at sue.regan@spectrum-ifa.com or by telephone on 04 67 24 90 95.

 

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:

http://www.spectrum-ifa.com/spectrum-ifa-client-charter/

 

 

 

spectnewfoot

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 gourdfest

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readers write

 

 

Hi!!

You may have noticed that the nights are getting longer and cooler, so it is time to review the ways of getting into bed and getting warm. I have found that one should lie on ones side, slipe the feet under the duvet, pass the upper hand under the head grasp the duvet and pull it tight against the back of the neck, over the upper ear and under the chin. Then cuddle down and think of England. This is the second best way that I remember. The very best way I remember, is in the morning while she is making the tea.

Regards, Alan... Aude.. 

Some vide greniers and foires!

Please check before setting off http://vide-greniers.org

They also have a sister site where you can giveaway stuff or find stuff others are giving http://donnons.org

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

vide

Samedi 30 Septembre

Coursan  Vide grenier

Saverdun  Vide grenier marché aux puces

Dimanche 1 Octobre

Carcassonne  Vide grenier Association Marty Minervoise

Carcassonne  Vide grenier brocante

Caunes-Minervois  Vide grenier

Coursan  Vide grenier

Coursan  Traditionnel Grande Vide Grenier d’Automne

Fleury d’aude  Vide grenier des Sapeurs Pompiers

La Redorte  Vide grenier d’automne

Limoux  Brocante

Mirepeisset  Vide grenier d’automne

Narbonne  Vide grenier d’automne

Narbonne  Vide grenier COS Narbonne

Narbonne  Vide grenier Cap de Pla

Pezens  Vide grenier

Sallèles-d’Aude  Vide grenier

Trèbes  Vide grenier et friperie

Villegly  Vide grenier

Villemoustaussou  Vide dressing

Mazères  Vide grenier

Nalzen  Vide grenier

Pamiers  Vide grenier brocante

Rieucros  Foir d’automne

Saint-Lizier  Marché aux puces

Tarascon-sur-Ariège  Puces des couturières et des loisirs créatifs

Varilhes  Vide grenier brocante

Verniolle  Vide grenier

Samedi 7 Octobre

Coursan  Vide grenier

Port Leucate  Tante Marie vide ses greniers

Dimanche 8 Octobre

Bram  Vide grenier des familles rurales

Brugairolles  Vide grenier d’automne

Capendu  Puce des couturières et des loisirs créatifs

Carcassonne  Vide grenier brocante

Coursan  Vide grenier

Cuxac-d’Aude  Vide grenier

Fabrezan  Vide grenier du FRJEP

Fleury d’Aude  Vide grenier

Leucate  Vide grenier

Lézignan-Corbières  Vide grenier

Limoux  Vide grenier

Narbonne  Vide grenier

Ornaisons  Vide grenier

Pech-Luna  Vide grenier d’automne

Plavilla  Vide grenier d’automne

Saint-Marcel sur Aude  Vide grenier

Trausse-Minervois  Vide grenier

Villemoustaussou  Vide tout

Foix  1er Vide grenier brocante écologique

Garanou  Vide grenier

Lagarde  Vide grenier

Léran  Vide grenier

Mirepoix  Vide grenier

Pamiers  Vide grenier brocante

Saint-Girons  Puces du balagué

Varilhes  Vide grenier brocante

   
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 margeurites

 

 

 

willy worlds

 

What's On 

 

 

SATYRICON 2 October Metronum Toulouse

BETH DITTO 3 October Bikini Toulouse

ANGUS & JULIA STONE  20 oct Zenith Toulouse

ROYAL BLOOD 21 Oct Zenith Toulouse

BLACK REBEL MOTORCYCLE CLUB 16 Nov Bikini Toulouse

KODALINE 17 Nov Bikini Toulouse

LEE FIELDS & THE EXPRESSIONS 19 Nov Bikini Toulouse

TRUST 21 Nov Bikini Toulouse

JAMIROQUAI 22 Nov Zenith Toulouse

LONDON GRAMMAR 5 Dec Zenith Toulouse

MOSCOW CIRCUS ON ICE 20 Dec Zinga Zanga Beziers

INDOCHINE 9 March Zenith Toulouse

BODYGAURD 9/10 June Zenith Toulouse

TOTO 26 March Zenith Toulouse

 

 

leshoriaire

 

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