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Bonjour

Many times in conversations I have wanted to be able to refer to French entrepreneurs, along the same lines as Branson, Dyson, Sugar and Sinclair and it appeared to be as easy as naming a famous Belgian.  I was recently made aware of this chap Jacques Borel, strangely enough by the head honcho at Wetherspoons.   Apparently M. Borel is leading the charge to try to get the rate of VAT reduced in British public houses, as it is suggested that one of the reasons for the demise of this institution is that supermarkets are undercutting pubs.

Jacques Borel is the man who is running a VAT Club with the intention of getting a reduced rate in 2014. And
 yes, it is strange that this is being run by a French man and one I had never heard of.  He is 85 years old with an incredible CV.   His achievements include the setting up Wimpy in France; setting up a restaurant business which became Accor; creating the Luncheon voucher systems and then getting them to be tax and charges free; the first motorway restaurant in France and motorway restaurants in Spain. Have a look yourself http://www.vatclub.co.uk/jacques.html he appears to have immense energy despite his age and this clip shows a dynamo of a man.

So David Cameron has not only promised the Scots a referendum, and now another vote and a yes/no vote on Europe - somehow I don’t believe him, it all sounds a little bit like the “free beer tomorrow” sign in a bar.  However it’s a bit scary if a Brit in France or Spain stopped being a European, what would happen?  I have been receiving a lot of emails about MPs for expats, and removing the 15 year cut off for UK voting by British subjects who have left the UK.   I do think this is perhaps the time to get on and join these campaigns, just in case - for the future. 

I have included some views by campaigners on these subjects feel free to join in or ignore it as you see fit

It must soon be time for some announcements of artistes for the Carcassonne Festival, I would speculate there may be at least one out of these - Leonard Cohen, Crosby Stills and Nash, Smashing Pumpkins or even Neil Young with Crazy Horse, unless it’s at Tescos in a burger by then.

Steve 

 

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

 

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Forward this Flyer to friends and anyone else you know who may find it useful

 

 papillon

Sale Ad 2013

 sspencpiljan13

 plam attach

 

 Can you afford to advertise in the Flyer? Can you afford not to?

 61specto

 

And so another year is upon us.  Happy New Year everybody.  I for one am glad it's here.  2012 ended somewhat uncomfortably for me, struck down by one of those winter viruses that seem to have been invented in the UK.  Setting off on a 1200km drive held together by Imodium and Paracetamol is no fun, I can assure you.  Next Christmas I'm staying in France, final.

So here we all are, gathered together in our own little tax haven.  I say that because I do think of France as a haven from the concrete jungle that I used to think of as home, and there do seem to be an awful lot of taxes here all of a sudden.  A good excuse here to thank Daphne again for all her fantastic work keeping us updated on what's new; what's coming in the future, and what's been kicked out for now but will undoubtedly be back sometime soon.  The upshot of all these changes is that M Hollande and his government are running a very large risk of making fools of themselves.  Indeed, they may already be there.  Bringing in unconstitutional taxes; cancelling Sarkozy policies one month and then introducing their own identical policies three months later, and overall making no meaningful progress on tackling the real issues.  It's no wonder that Angela Merkel doesn't trust him as far as she can throw him, even though that might be some considerable distance.

This is my 63rd financial article for the Flyer.  I estimate that there are probably six, maybe seven financial topics of sufficient interest to you to be worth writing about.  By my calculation, that I means that I may be at risk at some time in the future of repeating myself.  I did think maybe I should just re-issue my articles from number one onwards, but then I looked at them and saw how unbelievably awful many of them are, and abandoned that idea.  My problem then, is and will be how to find something new to say about a range of familiar subjects.  Easier said than done, but I think I'll defer that problem to next month. 

For now, let's try a little New Year Financial Quiz:  The rules are simple.  These statements are either true of false.  One point for each correct answer.

1)  All assurance vie policies protect your investments from tax and social charges until withdrawals are made.

2)  We don't have to worry about a separate Wealth Tax declaration as we're worth less than €2.5 million.

3)  I only spend five months a year in France, so I'm not French resident.

4)  My spouse will inherit my full private pension fund when I die.

5)  My UK rental income is taxed in the UK, so I don't have to tell anyone about it over here.

6)  I've not been here long enough to get into the health system, so I have to use an EHIC card.

7)  New rules in France mean that from 2015 I'll be able to leave my estate to whomever I like, no longer subject to French succession law and tax.

8)  Capital Gains Tax can't affect me if I sell my French property because it is my only home.

9)  I don't need a UK Will if I don't own any property there.

10)  My Jersey offshore bond is just as good as an assurance vie.

I've asked Steve to place the answers somewhere else in this week's Flyer, so how did you do?

CLICK HERE TO FIND OUT  Any score less than 10, see me after class...

If you have any questions on this, or any other subject, please don’t hesitate to contact me, Rob Hesketh:

By phone on 0468 247758 or mobile 0631 787647

Or by mail at rob.hesketh@spectrum-ifa.com   You can find out more about Spectrum on www.spectrum-ifa.com  and www.france-financial.com

 

spectnewfoot

 csfjan13dropin

Email: helplinecsfsud@gmail.com;  Website: www.cancersupportfrance.info

Forum: http://csf.forum.org      Local Association No : W112000594

   Want to advertise but cant do the artwork?

Just email and i will try to sort it out, at no extra cost.

jsmithfurn

 

 

LOOKING AFTER YOURSELF IN 2013

PART 2

OBTAINING A HEALTHY WEIGHT (AND MAINTAINING IT)

 fitjan1323

 

Eating used to be so simple – there was food and we ate it. Now it seems that there are articles coming at us every day about what to eat and what not to eat – it’s confusing, and that’s even without the myriad of diets that are around.

Whether you are looking to lose weight or not, your first priority should be to eat healthily.

Let’s get one thing out of the way very early on:

DIETS DON’T WORK

The people who design diets know they don’t work and that’s why they get very rich – people who habitually try to lose weight by dieting are very often continuously pinging from one diet to the next (proving that they don’t work).

Often, diets are seen as the magic bullet for weight loss and for this reason they are understandably attractive. However, losing weight takes a bit of patience if it’s to be successful in the LONG term – after all, weight doesn’t go on overnight does it? So why should it come off overnight?!

The key lies in avoiding most of the media hype, some so-called ‘research’ (e.g.: 3 people don’t constitute a proper trial) and certainly any diet that excludes whole food groups. To exclude carbohydrates also excludes many vital nutrients: potassium, zinc and magnesium are all found in whole grains (cereals, whole grain bread, brown rice and pasta etc) for example.

In the 30 years that I have been studying nutrition as part of my wider role in health and fitness, very little has changed regarding the basics of eating healthily.

Harvard University have an excellent nutrition information website and I would recommend visiting this as an ‘at-a-glance’ view of healthy eating.

www.hsph.harvard.edu/nutritionsource/healthy-eating-plate/

www.hsph.harvard.edu/nutrition/foodpyramid/

 

For those people who are looking to lose weight, here are a few ideas of how to do this slowly and definitively: You CAN do it – it’s just a case of applying yourself BIT BY BIT over a period of time.

 

You can’t afford ‘wasted calories’ – don’t regularly eat or drink things that don’t give you some nutritional value (ask yourself before you eat it!)

Eat more slowly – this really does work.

Put less on your plate or use a smaller plate – we all have the capacity to eat whatever we have in front of us, give your brain a chance to tell your tummy that you have eaten enough!

Keep a food diary for 4 days – write down EVERYTHING you eat and drink (nobody but you is going to see it!) and use it to work out how to begin to cut back a bit. By taking a step back and actually LOOKING at what (and how much) you eat, you put yourself in a much better position to then do something about it.

Move more! This doesn’t have to be ‘exercise’, just avoid sitting and being inactive for long periods of time (it’s quite interesting to tot up how many hours of the day you do actually ‘sit’ for). If you are inactive, your metabolic rate slows down in response to this – NOT what you want if you are trying to achieve a healthy weight. Look for every opportunity during the day to move!

 

So, in 2013, make healthy eating your priority – try different ingredients and cooking different dishes for example. People who follow a broadly healthy diet containing a wide variety of foods are very rarely overweight!

 

Pat Penny - Health and Fitness Specialist,  Massage Therapist
European Register of Exercise Professionals

‘Over The Hill’ Walking Clubs

/www.audeflyer.com/ mailto:info="" potential-energy="" co="" uk="">info@potential-energy.co.uk 
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www.potential-energy.co.uk

 

Sales Opportunity in the Aude. Indian Jewellery.

A small success story. I am well past retirement age, and my wife has been nagging me to get out of the house more!

So, for a year I sought to find a product that I could sell that nobody else had,which was correctly priced for selling in the street markets, and which had other positive attributes. Eventually I found it in a large range of Indian Jewellery made for the European market. 

I registered as an auto-entrepreneur and worked part time in the summer months of 2012 in three town markets a week.

It was a notable success. In two months I was in profit having recovered my initial investment.

There is an excellent opportunity for a lady to operate in the same way in the Aude, preferably who lives close to or in Narbonne.

I have prepared an initial information package that can be posted to you immediately. Please contact me at Tel/Fax/Answerphone 04.67.29.77.14. giving me your full street address and phone numbers.

Ian Mills.

 

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camijan13

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 Tech Talk

Resolution

A new year is upon us, and that can mean only one thing: Resolutions. For most people these tend to be "lose weight" or "quit smoking" but it’s a good idea to add some Computer specific resolutions to the mix.

I have three suggestions for keeping your computer going in 2013.

1. Make regular backups: I know you've heard it before. Like those little every day chores that you never seem to get around to doing, backing up your PC is one of life’s annoying necessities. Consider what the consequences would be if all your data - your Word files, photos, accounts, and everything else were to vanish suddenly. It’s a chilling thought, but it happens to people all too often.

It doesn't have to happen to you, though. Make 2013 the year you sign up for a cloud backup service - I’ve suggested Carbonite before - and configure it to backup all your important files and folders automatically and you'll never have to worry about it again.

A local whole-system backup is important, too. But your data is what's most critical, and a cloud-based approach to backing up protects you from home-based disasters like fire, flood, theft, and virus infestations. Don't wait another year to safeguard your data.

2. Look before you click: Fake download buttons, Toolbars and other junkware and Phishing links. These are all things you don’t want to click on and don’t want on your computer? Users get into trouble with these things all the time because they click without thinking or do not read what extras are going to be installed. So in 2013, my advice is to look before you click.

It's all too easy to whisk through a software installer or an update, clicking Next over and over just to get through it quickly, but that's one way to end up with unwanted toolbars in your Web browser (amongst other junkware). Another is by clicking fake download buttons or important-looking links that arrive via email or as pop ups in the web browser, you may end up with spyware, viruses, or even an identity-theft situation.

Before clicking anything that's unfamiliar to you, pause for a second. Look more closely at the link. Consider the circumstances. That little bit of precaution can save you from hassles—and maybe even disasters.

3. Keep it clean: I’ve written about this before "How to clean your computers cooling fans": Dust can kill a PC, clogging the works and causing everything to overheat, with potentially disastrous results.

Luckily, the fix is simple: Schedule regular cleaning sessions where you use a can of compressed air to blow dust and pet hair off your cooling-fan blades and out of your case, even a quick pass over with the vacuum cleaner helps. This goes for laptops and desktops alike.  I recommend performing this kind of cleaning every three months.

The easiest way to keep a resolution is to set a recurring reminder in your calendar.

Have you come up with other PC-related resolutions for the new year? Why not send me an email and I will share them with all in the next article.

If you need help or have any questions about your computer please give me a call or send me an email for FREE advice.

Bruce@mirax.org or Telephone 05 61 60 84 23.

 

 

royalveo

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VOTES FOR EXPATS – DEBATE HOUSE OF LORDS 23 JANUARY!

 

Lord Lexden will once more unfurl our banner  for Votes and Representation,  in the House of Lords this afternoon.
after 3.00 p.m UK time
After Mr. Cameron's speech this morning the banner must fly vigorously.
Over one million British Citizens who live in Europe [450,000 are pensioners] should surely have the chance to voice their views.

Site-Links for Reference.
1.   Parliament TV via the computer - To view the Lords debate this afternoon 23rd January  
http://www.parliamentlive.tv/Main/Live.aspx

2. To demand  Representation for British  citizens  via MPs at Westminster (Peter Johnson's petition site) - Important for Europe! It needs 100,000 signatures - more than a thousand every two days.
http://epetitions.direct.gov.uk/petitions/43238

3.  The Votes for Expats site [Worldwide]
www.votes-for-expat-brits.com

Brian Cave (lefourquet@orange.fr)  & Anita Rieu-Sicart, VAR VILLAGE VOICE, (anita@varvillagevoice.com)

Anita Rieu-Sicart

Editor

VAR VILLAGE VOICE

Monthly Subscription Print & Internet magazine about the Var

E: anita@varvillagevoice.com

E: whatsoninthevar@varvillagevoice.com

Web: www.varvillagevoice.com

1142 Route des Miquelets,

83510 Lorgues.

Tel. 04 94 04 49 60

Read more and more

<p "="" color="#000000">This morning’s speech by David Cameron has brought the prospect of a referendum on Europe into much more of a reality. At the moment there are several million expatriates living within Europe who could be directly affected, by losing their right of abode. A group of activists spread throughout Europe have been fighting on your behalf to get the right of vote, with the help of some Peers and MPs. Up to now there has apparently been no great interest shown by other expatriates to join in this campaign, or indeed the Government, but let me make this clear. If there is a referendum, and the UK votes to leave Europe, some of the impoverished countries of Europe could demand that large numbers of Brits living in their country, leave. Who would you turn to to fight your cause, We have no representation.

A retired policeman Peter Johnson, who lives in Spain, has set up a petition,

“calling on the government to provide parliamentary representation via a dedicated Member of Parliament for British Nationals residing abroad both within and outside of the European Union”.

As of Wednesday 23rd January, 2013 the number of signatures was 401. This is the result of sheer apathy. It is no longer possible for you to bury your head in the sand, and  think the doomsday scenario will never happen to me, because there is now, the possibility that it may.

Anyone wanting to sign Mr Johnson’s e-petition can do so at

thttp://epetitions.direct.gov.uk/petitions/43238
www.languedoc-roussillon.eu.com

meteo ciel3

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

 

anais12

rc2

cullcamper

 tinaabbot atoves

 

 aaaaude

pantoulouse

 

 

 jardin

Towards the end of January there are a number of jobs that one can be getting on with in the garden.  This is is good time to transplant shrubs, while they are dormant, and also to start to divide hardy perennials.  And, don't forget to keep deadheading winter pansies to encourage repeat flowering.

Spring flowering shrubs are starting to flower.  The well known Winter jasmine (Jasminum nudiflorum) is an old favourite but one often sees the larger flowered Primrose jasmine (Jasminum primulinum syn J mesneyi) which is a lovely semi climbing plant that can be trained over walls, pergolas etc and if unchecked can easily reach 5m in height.  Both jasmines can be pruned after flowering. 

jasminpound

At La Petite Pépinière we shall be offering two gardening courses this spring:

An Introduction to Pruning - Thursday 14th March, 10am to 4pm will be an introduction to the principles and practice of pruning, why, when and how.  Practical work in the garden here will be included and we will focus on pruning practices relating to plants frequently found in gardens in the region.  Course fee:  45€

Propagation:  Thursday 21st March, 10am to 4pm -  an introduction to the principles of propagation - how to increase your own plants by layering, division, seeds and cuttings.  Plenty of practical work included.  Course fee 45€

For more info about gardening courses contact Gill@lapetitepepiniere.com

 


For any garden queries do get in touch with Gill Pound ( 04 68 78 43 81 or Gill@lapetitepepiniere.com ). La Petite Pépinière de Caunes 21, av de la Montagne Noire (route de Citou) 11160 Caunes-Minervois. Open on Fridays & Saturdays from 10 to 18h and Sunday mornings from 10 to 12h from the beginning of March until the end of November and at any time of the year by appointment.  Regular opening hours will start again on Friday 1st March 2013.  

 donnons

 

The Property Page

Detached modern house for sale in Montréal

within walking distance from the shops. Around the house is a well layed out garden. On the private parking there is place for three cars. In the house are three bedrooms two with a wardrobe with sliding doors. There is a small bathroom with bath and wash-hand basin. The living has two dubble doors to the terras at the back that gives a view on the Montagne Noir. There is an open kitchen with a window to the front terras. There is a awning over the whole front terras. There is a utility-room next to the kitchen. Attached to the house is a shed. Bus stop from/to Carcassonne/Bram twice a day in front of house.

150,000€

 Bob de Mey, Avenue de Languedoc 13, 11290 Montréal. Tel. 04.68.79.17.60 and mobile 06.477.38.359

energy mont house

neilfront

Villa for sale 11390 Brousses-et-Villaret Aude 295,000 €

YOUR PROPERTY ADVERT HERE

50€
for 13 editions (6months)
plus
link to your own web page

20120902-IMG 1663

CARCASSONNE: villa for quick sale - €160,000-

New Pics of House 6.02.11 038smArchitect designed Villa finished to a very high standard with character features close to Bellegarde du Razes 310,000€

2_Barn

Pech Luna (11420)

beautiful renovated country house

P1010018Modern,environmentally friendly house built in 2007. 295,000€

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Holiday Apartment AiguaBlava,

Costa Brava

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Naturist Property 115.000 euro

YOUR PROPERTY ADVERT HERE

50€
for 13 editions (6months)
plus
link to your own web page

Bordebasse du Lac - Cottage available for long term rental

front

Semi detached house with stunning mountain views 150,000€

 

readerswriteaudeflyer

I am always amazed when people complain about customer service in France.    My experience over 20 years has been quite the opposite.   I find customer service departments friendly, courteous and helpful and have on many occasions not been charged when someone has checked an item for me without finding anything wrong or where a small part has been replaced, unlike the UK where it seems you have to pay just to talk to someone.   Perhaps the problem is not with the service departments but with the attitude of the clients.

Patricia Smith

 

 

Click here has no effect Steve.

Comments I want to make in readers write are:-

1) Dave is fine if you can get him to reply to your requests for  rectification, no visit despite promises and no answer to emails.

2)A STERE is a cubic metre and a PILE is 4 Cubic metres. Quite simple and not at all confusing, spell correctly and look in a dictionary or even google it.

John 

 

 

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 26 Janvier 2013 

Carcassonne  (vide grenier brocante)

Coursan  (Coursan)

Quillan  (Brocante de quillan)

Saverdun  (vide grenier)

Dimanche 27 Janvier 2013           

Carcassonne  (vide grenier brocante)

Coursan  (Vide grenier)

Fabrezan  (foyer rural des jeunes et d'éducation populaire (frjep))

Lézignan-Corbières  (brocante vide grenier)

Marseillette  (loto café de la terrasse et au foyer)

Narbonne  (vide grenier dimanches et jours feries)

Pamiers  (Marché et puces et à la brocantes)

Samedi 2 Février 2013   

Conques-sur-Orbiel  (foire d'Artisanat d'Art)

Coursan  (Coursan)

Gruissan  (hyper loto bon achats carrefour 150€ et 200€ et 300€)

Quillan  (Brocante de quillan)

Loubières  (loto)

Saverdun  (vide grenier)

Dimanche 3 Février 2013              

Carcassonne  (vide grenier brocante)

Conques-sur-Orbiel  (foire d'Artisanat d'Art)

Coursan  (Vide grenier)

Lézignan-Corbières  (brocante vide grenier)

Limoux  (Brocante)

Narbonne  (vide grenier dimanches et jours feries)

Rieux-Minervois  (super Loto)

Pamiers  (Marché et puces et à la brocantes)

Saverdun  (brocante en salle) 

 What's On

 

Marché aux truffes et Produits de l'Aude 12 Jan Talairan

MAMMA MIA 18 to 23 Jan Zenith Toulouse

Marché aux truffes et Produits de l'Aude 19 Jan VILLENEUVE-MINERVOIS 

MARILLION 25 Jan Bikini Toulouse

ANGUS STONE 26 Jan Bikini Toulouse

Marché aux truffes et Produits de l'Aude 2 Feb

TALAIRAN  

Marché aux truffes et Produits de l'Aude 9 Feb VILLENEUVE-MINERVOIS 

LETZ ZEPPELIN 7 Feb CASINO THEATRE BARRIERE

THE JON SPENCER BLUES EXPLOSION 10 Feb Bikini Toulouse

PATRICIA KAAS KAAS CHANTE PIAF 20 Feb Zenith Toulouse

SWAN LAKE 3 Mar Zinga Zanga Beziers

Two door cinema club 11 March Bikini Toulouse

THE AUSTRALIAN PINK FLOYD SHOW 12 March Zenith Toulouse

Toques et Cloches 23 March Gardie et Villebazy

RED ARMY CHOIR 27 Mar Zenith Toulouse

ERIC BIBB ET HABIB KOITE 4 April Salle Nougaro Toulouse

ICE AGE LIVE 5/7 April Zenith Toulouse

MELODY GARDOT 14 April Halle aux Grains Toulouse

ALPHA BLONDY & THE SOLAR SYSTEM 17 April Bikini Toulouse

PINK MARTINI 18 April Zinga Zanga Beziers

CARCASSONNE FESTIVAL 19 June to 15 Aug

ONE NIGHT OF QUEEN 8 Oct CASINO THEATRE BARRIERE

ROMEO ET JULIETTE 15 Nov Zenith Toulouse

OUI OUI ET LE GRAND CARNAVAL (NODDY) 15 Dec Zenith Toulouse

 

leshoriaire

 

 On a Lighter Note

 

  Knock knock.

   Who's there?

   "Doorbell repair man"

  

 Two Muslims have crashed a speedboat into the Thames Barrier in London .

   Police think it might be the start of Ram-a-dam

 

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The following prices are for one insertion in the Flyer email news letter unless otherwise stated

Give away items

FREE

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

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

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

50€

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Advertising
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