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I used to fly a lot in one of my previous lives, and pretty much knew what airline flew where and how much flights cost, without paying more than the person sitting next to you.  Time moved on and I didn’t have to flit about the globe.  But accidentally I have stumbled across a bunch of new low cost airlines:  

Joon owned by Air France/KLM which doesn’t fly that many places, starts in December and has a bolt-on to the Air France website, not sure that will work.

Norwegian, Primera who seem to be able to get you to Newark and back for £300 if you take your own sandwiches and just a carry-on bag.

Wow can fly you to New Delhi via Reykavik for about £500 round trip.

And Level owned by the British Airways/Iberia conglomerate, will fly you to San Francisco from Barcelona for approx. 250€ with cabin bag.

I must say it is strange Iceland being relevant to getting to places cheaper, as even before I flew transatlantic regularly that was one of the cheapest ways to do it and I don’t mean when it was planes taking the post, and having to stop off all over the place to refuel.

And the prices across the pond look awfully like the way Laker ran and how Virgin started. I am not sure I can cope with Ryanair-type flying for close to 13 hours - what better way to get to know your knees?  It’s worth having a poke around if you hadn’t discovered these low cost ways to give yourself cramp.  Good luck.

His Donaldness managed to meet a Kardashian while Mike Pompeo met an important chap from North Korea, it says it all really, let’s see what kind of a spectacle he creates in Singapore.




This is a fab pic on the BBC News website,  click through on it?

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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.


fax machine
We are moving back to the UK, time will tell if this is a good idea or not.  Brexit Britain?  Who wants to live there?   And buying a house is part of the deal.  Transferring money over the internet is scary but it works.  Or it is has so far. 


This week we should complete on a house in the UK and the balance of the money has to be sent to our solicitor.  The money cannot be made in one payment online from the bank.  It has to go via CHAPS (Clearing House Automated Payment System).  I call my bank and ask how this can be done.  I can either go into a bank or send a letter via post.  I’m in France and as far as I am aware there are no NatWest banks locally.  The only other alternative is via a fax.  A fax machine, I can’t even remember the last time I used on of these.  Not as distant as a telex machine, but getting there.  Where do I find a fax machine?  They suggest my bank.


First of all, being a bit lazy I try the Mairie.  No.  Then I try La Poste.  No.  Then I indeed do try my bank.  The man on the phone has to go away to ask and after several minutes holding, the answer is ‘no’.  But he does have a few suggestions.  A printing company in Limoux.  He gives me their address and phone number.  I call, but again ‘no’.  However, they suggest another printing company in Limoux.  I call and ta dah – yes!  For 2 euros I can send my fax.


After 2.00 p.m. I scuttle down there.  Hand over my fax and subsequently receive a transmission report.  The person behind the counter delightedly shows me the ‘OK’ but what she doesn’t point out is that also on that slip of paper are the date and time.  Yes it was sent at 08.30 on 25th August 2003.  






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Aude Flyer Advert 20180514




A major part of my role as a Financial Planner involves helping clients move towards retirement and advising those

in retirement about the best and most tax-efficient way of generating their income once they stop work.


One question I’m often asked is how much money I should save to enable me to retire comfortably. A good

question, it depends on what constitutes a comfortable retirement for that particular person. It’s generally quite

a straightforward discussion: how much do you need now, and what will change as you approach retirement

(mortgages redeemed, no more school or university fees, travel expenses to and from work for instance). Factor

in extra expenses for pursuing hobbies, travelling etc. and we begin to build a picture of what retirement will

look like and how long the active retirement period will last for.


In the UK, a Which? survey concluded that, in the UK at least, a couple entering retirement needed £26,000 a

year to live comfortably. OK, that’s the UK and not necessarily representative of life here in France, but it is a

basis for opening a discussion. The next consideration is to identify what the sources of income are – likely there

will be an entitlement to UK state pension, possibly some French state pension and maybe rental income form

letting out the old UK home, or Gites in France.


For those people actively thinking about and planning for retirement, it is also likely there will be some private

pension provision, perhaps even membership of a final salary pension from time spent working for an old

employer. And then there are the savings you’ve set aside for the day when you can put down those work tools,

and say “That’s it, I’ve done my bit”.


But what income can I reasonably expect those savings to generate to supplement the other sources of income.

The Institute and Faculty of Actuaries have ruminated over this question (well they would, wouldn’t they! I can

imagine the topic of conversation going around the dinner table at their annual conference). The conclusion

they’ve come to is (not surprisingly) based on the life expectancy of the retiree. Retiring at age 55, they believe

you should draw down only 3% of your capital each year to ensure that your money doesn’t run out. This then

rises to 3.5% if retiring at age 65. Other financial experts believe the figures could rise to 5% per year for a

65-year-old. This then assumes that your capital is invested to generate returns greater than the rate of inflation.


The options for the individual facing an income shortfall include:


1. Increasing your savings

2. Decreasing your retirement income expectation


3. Delaying retirement

4. Exploring alternative ways of investing available capital and pensions to obtain growth greater than inflation

and certainly better than bank interest.


A Financial Planner can draw up a future forecast using established assumptions for inflation, rates of investment

return, the most tax efficient way of drawing down or generating income, using either life expectancy tables or

any other age after discussing your family mortality history with you. This will give you your ‘number’, the amount

of capital you’ll need to live comfortably.

The Office for National Statistics has recently launched an online tool on its website designed to tell you what your

life expectancy is. If you’re curious, this is the address:



Once completed this Financial Plan should be implemented to address any recommendations for re-structuring the existing assets, and thereafter reviewed yearly, updating the investment returns achieved and the impact this has on the capital, checking any changes that need to be made to the assumptions and making any amendments that you want included. Long-lost pension funds will be identified, and the expected benefits brought into the plan, and again, any issues addressed. The move is towards handing the responsibility of retirement over to the retiree, so there is not a better time to consult a fully qualified financial planner.

If you have personal or financial circumstances that you feel may benefit from a financial planning review, 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


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Email:  Website:

Forum:     Local Association No : W11200059

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Tech Talk







Watching UK TV on your computer.

The Satellite signal is very week again at the moment and many people are asking where they can watch TV safely on the internet without a contract and without having to buy any more set top boxes.


Not all TV over the internet is safe, if you are asked to install plugins, toolbars, media or video players then DO NOT continue, these downloads are EXTREMeLY dangerous and WILL infect your computer.



You might be asked to activate Java, Adobe Flash or Silverlight, these are safe and needed to stream video from the internet. Note: Google Chrome might not ask and instead just block, click on the green secure at the star of the web site address and Allow these services in the list. - They allow you to watch most free-to-air channels live in your web browser, its free but the quality and streaming are sometimes not so good. - They allow you to watch most free-to-air channels live in your web browser, and also have android and iOS apps, its free but not everyone can get to the channels all of the time, sometimes it’s says not available. They allow you to watch most free-to-air channels live in your web browser, the free service is only for 1 hour per day and you must register to use this site. They offer a paid service for 48 euros per year that is very good, and gives you 7 days to catch up, on every channel. (Recommended)

VPN - (virtual private network) services like Expat shield, iPortal, StrongVPN, these types of service do carry a risk you should be aware of. The link between your computer and the VPN server is two way, so the information can flow both ways. So when you are watching TV is possible (however unlikely) that someone else on the server end could be looking through your computer. It’s for this reason I do not recommend these services, unless you have a computer or laptop that has no data on it or have a VPN router protected with a firewall.


I am sure there are many other services out there that people are using, if anyone has any suggestions or recommendations please let me know.



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

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How long is your parking lasting at Carcassonne Airport?carcairparking


readers write


My new book, Florida Key (written in English), is having its launch party in Montolieu - The Village of Books - on 24th June, and you are most welcome to come!

Some of the real-life characters who are featured in the story will also be coming out especially from our English home-town of Wivenhoe, and I'm very much looking forward to introducing them to our friends from this delightful part of France.

It would be great to see you.

Best wishes


Mon nouveau livre, Florida Key (écrit en anglais), a sa soirée de lancement à Montolieu - Le Village des Livres - le 24 juin, et vous êtes les bienvenus!

Certains des personnages de la vie réelle qui sont présentés dans l'histoire sortiront également spécialement de notre ville natale anglaise de Wivenhoe, et je suis impatient de les présenter à nos amis de cette charmante partie de la France.

Ce serait génial de te voir.







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 14 Juin

Tarascon-sur-Ariège  Vide grenier et marché nocturne

Samedi 16 Juin

Belvèze-du-Razès  Vide grenier

Coursan  Vide grenier

Fontjoncouse  Vide grenier

Dimanche 17 Juin

Bram  Vide grenier

Brugairolles  Vide grenier

Canet  Vide grenier

Carcassonne  Vide grenier brocante

Castelnaudary  Vide grenier

Coursan  Vide grenier

Cuxac-Cabardès  Vide grenier brocante fête de la nature

Espéraza  Vide grenier

Fabrezan  Vide grenier de la Barca voitures anciennes

Fleury  Vide grenier à St Pierre la Mer

Gruissan  Vide grenier

La Palme  Vide grenier

Limoux  Vide grenier

Marseillette  Vide grenier

Montclar  Vide grenier

Mouthoumet  Vide grenier

Narbonne  Vide grenier des Chats d’Oc

Narbonne  Vide grenier cap de pla

Paraza  Bourse aux armes anciennes et militaires

Quillan  Vide grenier association chats libres de quillan

Roquefort-des-Corbières  Vide grenier

Saint-Amans  Vide grenier

Saint-Laurent-de-la-Cabrerisse  Vide grenier

Sallèles-d’Aude  Vide grenier

Trèbes  Vide grenier

Castillon-en-Couserans  Vide grenier

Dun  Vide grenier

Foix  Vide grenier

La Bastide-de-Bousignac  Vide grenier

Le Mas-d’Azil  Vide grenier

Luzenac  Vide grenier

Pamiers  Vide grenier brocante

Samedi 23 Juin

Coursan  Vide grenier

Moussan  Vide grenier de la fête de la musique

Artigat  Grand vide grenier de l’été

Ussat  Vide grenier Feu de la St Jean


Dimanche 24 Juin

Argens-Minervois  Annuel vide grenier du Tennis Club

Arques  Annuel vide grenier de l’APA

Carcassonne  Vide grenier

Carcassonne  Vide grenier brocante

Castelnaudary  Vide grenier brocante

Coursan  Vide grenier

Cuxac-d’Aude  Vide grenier

Ferrals-les-Corbières  Vide grenier

Fleury  Vide grenier des chats errants

Gruissan  Vide grenieer

La Pomarède  Vide grenier

Leucate  Vide grenier brocante


Limoux  Vide grenier de la Saint Jean

Marseillette  1er Vide grenier Los Festejaires

Montolieu  Vide grenier

Narbonne  Vide grenier

Pennautier  Vide grenier

Port-la-Nouvelle  Vide grenier

Rieux-Minervois  Bourse Moto et vide grenier

Saint-Nazaire-d’Aude  Vide grenier

Sigean  Vide grenier

Trèbes  Vide grenier

Villepinte  Vide grenier

La Bastide-de-Bousignac  Vide grenier

Le Vernet  Vide grenier

Mirepoix  Vide grenier fête de quartier

Pamiers  Vide grenier brocante

Saint-Ybars  Vide grenier d’été

Siguer  Vide grenier

Samedi  30 Juin

Cépie  Vide grenier

Coursan  Vide grenier

Roumengoux  Vide grenier vide jardin

Dimanche 1 Juillet

Alzonne  Vide grenier

Boutenac  Vide grenier

Carcassonne  Vide grenier

Caunes-Minervois  Vide grenier

Coursan  Vide grenier

Embres-et-Castemaure  Vide grenier

Fenouillet-du-Razes  Vide grenier marché aux puces

Labastide-d’Anjou  Vide grenier

Limoux  Brocante mensuelle

Montréal  Vide grenier marché artisanal

Narbonne  Vide grenier

Narbonne  Vide grenier nocturne

Portel-des-Corbières  Vide grenier de Terra Vinea

Quillan  Vide grenier

Ribaute  Vide grenier

Trèbes  Vide grenier Music Show

Mazères  Vide grenier mensuel

Pamiers  Vide grenier brocante

Saint-Lizier  Vide grenier

Vèbre  Vide grenier annuel

Mardi 3 Juillet

Fleury  Vide grenier aux Cabanes de Fleury d’Aude

Samedi  7 Juillet

Coursan  Vide grenier

Leucate  Tante Marie Vide ses Greniers

Limoux  Vide grenier du Bal des sapeurs-pompiers

Dimanche 8 Juillet

Arzens  Vide grenier

Carcassonne  Vide grenier

Chalabre  Vide grenier brocante

Couiza  Vide grenier

Coursan  Vide grenier

Cruscades  Vide grenier

La Palme  Vide grenier

Limoux  Vide grenier

Marcorignan  Vide grenier nocture avec cocktails Mélody

Monze  Vide grenier

Pezens  Vide grenier

Puilaurens  Vide grenier

Quillan  Vide grenier

Sigean  Vide grenier

Castillon-en-Couserans  Vide grenier











What's On 



ANGUS & JULIA STONE 15 July Carcassonne Festival

STING 17 July Nimes Arenes

SIMPLE MINDS 20 July Carcassonne Festival

a-ha 24 July Carcassonne Festival

ROBERT PLANT 24 July Carcassonne Festival

YOUSSOU NDOUR 26 July Carcassonne Festival

BETH DITTO 30 July Carcassonne Festival

THE CAT EMPIRE 21 Nov Toulouse Bikini

CIRQUE DE SOLEIL 20 TO 25 Nov Toulouse Zenith

DISNEY ON ICE 17 TO 20 Jan Toulouse Zenith





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Stage portrait et paysage printemps été 4

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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

Large Display Advert - Corporate


Finished artwork to be 756 pixels by 200 pixels landscape or 378 pixels by 400 pixels portrait

Standard Display Advert - Corporate


Finished artwork to be 378 pixels by 200 pixels landscape

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


Finished artwork to be 756 pixels by 200 pixels landscape or 378 pixels by 400 pixels portrait

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

25 €

Finished artwork to be 378 pixels by 200 pixels landscape

What's on feature advert

35 €

Finished artwork to be 378 pixels by 515 pixels portrait

information about advertising rates and specifications.
informations sur les tarifs publicitaires et specifications.
Send details to of your advert to Steve Hedges.
Please note all text (unless in a finished advert) should be Plain Text,

Finished adverts should be submitted in jpeg format 378 pixels wide

Email your text, pictures and contact information to

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