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Aude & Ariege Flyer Archive

 

Pleae click on the Title of the Archive Flyer you wish to read.

Archived Flyers

 

 header26613

 

Bonjour

As China and perhaps Russia play pass-the-whistle-blower to annoy the Americans, one must speculate as to whether he has actually left Hong Kong. Having looked on a map, going through Moscow and then Cuba to get to Quito, Ecuador wouldn’t seem the most sensible option. My theory is he’s on a cargo ship crossing the Pacific and will arrive directly to an Ecuadorian port, without passing go, collecting $200 or indeed being extradited back to the USA. That of course presupposes the ship doesn’t mysteriously sink.

A funny fortnight for Time Team fans, first the Queen’s birthday honours include a sword tap for Baldrick, aka Sir Anthony Robinson and now today Tuesday I read that Mick Aston the former resident academic archaeologist on the programme has died at the age of 68.

 

It’s hardly surprising that Nelson Mandela is hanging onto life in such a dogged fashion, the family are going to visit and it would appear they think each time is the last time. The media is ready with their special TV shows and articles are ready to roll, but at the moment they are having some difficulty keeping up a very important story with no new content. I wonder how long it will be before the Catholic Church nominates him as a saint?  Would he have had to be a Catholic for them to do that or can they just kidnap his image?  In my lifetime he does appear to be the person who has demonstrated humility unlike anyone else.

 

Silvio Berlusconi however, is at the other end of the spectrum, one can only hope he loses his appeal in the underage sex with a prostitute case and his tax case and is never allowed to hold public office again. There is something fluffy about the hair line of Berlusconi, like he’s sort of painted it on using shoe polish.  And is it me or does John Kerry look like he has had his mouth movements animated onto his face? You know when you have dogs or horses speaking in films? Have a look.

 

There’s an interesting article by John Simpson on the BBC News website, discussing what has happened to the joie de vivre of the French peoples, have a read if you haven’t seen it. click here

Expats who live in warm European countries face losing their winter fuel payments under a "temperature test" announced by the chancellor.  George Osborne said that the payment would be withdrawn from people living in warmer countries from autumn 2015. This will affect those living in a European country with an average winter temperature higher than that of the UK.

 

I am sure you are geared up for the start of the summer sales which must be just around the corner

 

 

Steve

 

 

 

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

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AAF AD 13-05-13  degreve

 

 

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

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

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 61specto

 

 Possible Changes to Capital Gains Tax Rules for ‘La Maison Secondaire

 

 

French capital gains tax relating to second properties is back on the government’s agenda again.

 

During a recent interview on Capital (M6), President Hollande announced that there will be a return to the regime whereby second properties will be fully exempt from capital gains tax, after 22 years of ownership.

 

Whilst Hollande was not specific about the actual details of the planned changes during the interview, it is possible that this will be a return to the pre-2004 regime - a promise made in his election manifesto, which seemed to disappear after he was elected. Perhaps he feels now that he needs to pull something out of the hat to restore his popularity!

 

Under the pre-2004 regime, the taper relief was 5% for each year that the property had been owned beyond the first two years, resulting in the property being free from capital gains after 22 years. This is clearly an improvement on the current 30 year period. Even better is the fact that pre-2004, the taper relief was uniform for each year, in comparison to the current system, where the taper relief is heavily weighted towards the later part of the 30 year period.

 

Under the pre-2004 regime, the purchase price of the property could also be revalued to take into account currency depreciation, when calculating the gain in the property. Now don’t get too excited here because we are not talking about Sterling vs Euro! No, this is about how the French currency may have lost its purchasing power, as a result of inflation. But still an improvement, since no allowance for inflation exists with the current system.

 

At the moment, the French capital gains tax rate for property is fixed at 19%. If we do return to the pre-2004 system, the taxable gain will be added in with the household’s other taxable income, which is also – since the beginning of this year - the basis used for taxing realised gains from financial assets.

 

Therefore, if the changes are introduced and you are low or non-taxpayer, you might benefit. In reality though, this would depend on the actual amount of the gain and how far up the income tax bands – the highest of which is 45% - this takes you. If you are not in the low tax bracket, then you will probably have to pay a higher rate of tax on the property gain, but on a lesser amount of gain.

 

On the plus side, if the gain is added to other taxable income, the quotient system should apply and so the more ‘parts’ to the household that you have, the more this would benefit you. However, if you are single and already have high taxable income, the changes will most likely hurt. Depending on your situation, therefore, you may feel that you still have to hold on to that property.

 

If the government does move to taxing gains from property in the same way as gains from other financial assets and income, it will need to ensure that the result is not ‘punitive’ for the taxpayer or it risks having its proposals censured again by the Constitutional Council. That being said, ‘punitive’ could still be very high, for example, if the gain takes you into the 45% income tax bracket, plus the social contributions of 15.5%. In addition, where the gain exceeds €50,000, there is already an additional tax payable of between 2% and 6%, depending upon the amount of the gain.

 

In his interview, Hollande also announced that there will be a special allowance in 2014 to be offset against the property gain. Again, he was not specific on the detail, but his previous proposal was for a further 20% reduction to be applied to the tapered gain, but only for the purpose of the capital gains tax and not for the social contributions.

 

Hollande’s initiatives are aimed at getting the property market moving again, particularly in view of the shortage of housing in France. He is also hoping that this will lead to a reduction in property prices. I guess his thinking in this is that if there is a reduction in the tax bill, people may be prepared to reduce the price of their property to sell it, particularly during the period when a 20% ‘bonus’ may be available. Only time will tell and in the meantime, the changes might benefit French residents who are trying to sell second properties outside of France.

 

What is clear is that we are moving more and more away from fixed rates of taxes to everything being taxed at a progressive scale. Perhaps this is fair – the more income you receive, the more tax you should pay. However, how does this factor in with the social contributions, which are at an excessively high rate of 15.5% on investment income and capital gains. These contributions are intended to fund the deficit in the health system, but they are really just another tax. Perhaps it is only a matter of time before these contributions are merged in with income tax rates. However, since the government raises more revenue from social contributions than it does from income tax, I cannot see this happening any time soon and not before the country’s budget deficit is under control.

 

The message is clear that people need to keep their taxable income as low as possible to avoid paying unnecessary taxes on income and gains. There are various ways to do this, depending upon your circumstances, and if you would like to have a confidential discussion, please contact me either or by telephone on 04 68 20 30 17 or by e-mail at daphne.foulkes@spectrum-ifa.com.

 

The Spectrum IFA Group advisers do not charge any fees for their time or for advice given, as can be seen from our Client Charter at:

http://www.spectrum-ifa.com/IndependentFinancialAdviceinEurope-Charter.html

 

 

 

 

Daphne Foulkes

SIRET 522 658 194 00017

Numéro d’immatriculation ORIAS 10 056 800

 

 

spectnewfoot

 

 

 europa loisirs2 audeflyer copie

 

   Want to advertise but cant do the artwork?

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

 csf26613

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

Forum: http://csf.forum.org     Local Website: www.csf-suddefrance.webs.com

 

 Local Association No : W112000594

 

Tech Talk

 

 How to fix Web pages that print too small

Question from a Reader:

"Whenever I try to print a page from the Internet, the size of the text and the photos is extremely small and difficult to read. I do not have this problem with Word documents."

Most browsers can be terrible when it comes to printing, since internet explorer 6 when they changed the way the browser prints. With web pages getting ever more information on them, and also getting wider the results of printing can in most case be almost impossible to read without a magnifying glass, tiny text, tiny pictures and unreadable links.

When printed Web pages come out too small, the likely culprit is the Shrink to Fit option, which Internet Explorer uses by default to try to squeeze all the elements of a Web page onto a sheet of paper--often at the expense of proper sizing.

Thankfully, it's easy enough to fix. Here's how:

I'm going to Start with Internet Explorer.

 

 bruce26613

  1. In Internet Explorer, while viewing the page you want to print, click the little gear icon in the upper-right corner, then choose Print, then Print Preview.
  2. In the preview window that appears, notic
  3. e that in the toolbar's print-size selector, the default setting is Shrink to Fit. Click thet pull-down and choose 100%.
  4. Now you should see bigger text and photos. If everything looks good, go ahead and click the printer icon to print. If not, click the selector again and choose a different zoom setting.

For Firefox

  1. In Firefox, while viewing the page you want to print, click the Orange Firefox tab in the upper-left corner, then choose Print, Print Preview.
  2. In the preview window that appears, notice that in the toolbar's print-size selector, the default setting is Shrink to Fit. Click the pull-down and choose 100%.
  3. Now you should see bigger text and photos. If everything looks good, go ahead and click the printer icon to print. If not, click the selector again and choose a different zoom setting.

 

For Chrome

Chrome does not currently have any way to change the print size.

There is however an Extension which can be added to Chrome to improve the printing. It allows you to do many things like remove all the adverts, optimize the page for printing, and remove some or all of the images before printing.  

Look for Print Friendly & PDF in the Chrome Store

Link -  https://chrome.google.com/webstore/detail/print-friendly-pdf/ohlencieiipommannpdfcmfdpjjmeolj?hl=en

 

For Safari

Safari does not currently have any way to change the print size, change the paper between portrait and landscape can help.

 

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.

brucelong

 

 

 fitfly1313

 

 

 

 

 

Picture277

 

Well……. It must FINALLY be summer because the tennis has started! Here are a few interesting facts about Wimbledon to accompany your telly-watching – with a few tongue-in-cheek comments thrown in for good measure!

 

The first Wimbledon took place in 1877 solely as an amateur competition. Men's singles was the only event that took place – some might say that this was a cheek, others may say that it’s a shame that women ever were let in given the current gulf between the entertainment value of the men’s and women’s games. There were 22 competitors and a few hundred spectators. Women's singles and men's doubles events began seven years later, in 1884.

 

Charlotte (Lottie) Dod became the youngest player ever to win a Wimbledon singles event when, in 1887, she won at the age of 15 years, 285 days. In 1996 Martina Hingis became a Wimbledon doubles champion at 15 years, 282 days. And by the way, Dod was also a silver medallist in archery at the 1908 Olympics, a member of the British national field hockey team in 1899, and the British Amateur golf champ in 1904. They got their moneys worth out of  Ms Dod didn’t they?!

 

During World War II, a bomb ripped through Centre Court at the All England Club and 1,200 seats were lost. Fortunately, they weren't filled at the time. Play finally resumed in 1946 but it wasn't until 1949 that the area was back in top shape.

 

American Althea Gibson became the first black player to win a Wimbledon singles championship when she captured the title in 1957. She successfully defended her title a year later.

 

In 1985, Boris Becker accomplished three feats: he became the youngest male singles champ (17 years, 227 days old), the first German champ, and the first un-seeded champion. I recall that he might have had other claims to fame following his retirement!

 

There are currently 20 grass courts available for play at the Wimbledon complex. The Number 1 Court now comes complete with large fans at either end to dry out the court in case of rain. There are also five red shale courts, four clay courts, and five indoor courts for club members.

 

The last married woman to win the women's singles championship was Chris Evert Lloyd in 1981 – shame that her talent didn’t seem to rub off on husband at the time John Lloyd!!

 

A wooden racket was last used at Wimbledon in 1987 – Boris Johnson is now using it, I think he might be wearing the guy’s shorts too.

 

The 2012 prize purse for the men's and women's singles winners was £1,150,000, an increase of £50,000 (4.5%) over 2011. In 1968, the year of the first "open" championships, the prize money was £2,000 for the male champion and £750 for the female champion.

 

Aside from cash, the women's champ also receives a silver gilt salver (a round, disk-like platter) that was made in 1864. The men's winner receives a silver gilt cup from 1887.

 

Keep your eyes on the ball! The records for fastest serve are Taylor Dent, clocked at 148 mph (2010) and Venus Williams with 129 mph (2008) – You just wouldn’t argue with either of those girls would you?

 

The top-selling item in the Wimbledon gift shop in 2010: 18,000 yellow mini tennis ball keyrings. Probably because it’s the only thing that won’t break the bank.

 

COME ON ANDY!!!!

 

 

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

 

info@potential-energy.co.uk
www.potential-energy.co.uk

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 26 06 au 02 07 2013

 

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 quillcinjuly13

 

 Check with the cinema to make sure you get the right showing, its not always VO

 

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

 

 

 

 jardin

 One of my favourite plants is the Smoke Bush, Cotinus coggyria in botanical Latin and Arbre à Perruque (wig) in French.  It is a deciduous shrub, native to southern Europe which can grow to 2/3m high with a similar spread.  The type plant has yellowy green flowers but forms exist with pinkish tones (the photo shows three variations of flower colour) and there are also purple foliaged varieties such as Royal Purple.  Tough and hardy it makes a good background to a border or as part of a mixed hedge as well as making a good specimen plant.


The variable weather continues but it is still important to keep recently planted shrubs and perennials well watered.  Hoe on hot days so that the weeds will wither.  Many roses seem to have blackspot and powdery mildew at the moment - look out for this and apply an organic treatment.  Remember to deadhead roses frequently to encourage repeat flowering. 

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.  Do remember that you are welcome to visit the garden, without any obligation to buy, during the summer months to observe what is in flower and to talk about your gardens.

 

 

 

 

 

The Property Page

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 Belveze Cottage

 

A bijou! Cozy stand-alone guard barrier house about 1km from Belveze-du-Razes, a full service town. Ready to move into. 20 minutes from Salvaza airport. Lovely mature garden plus patio, surrounded by a laurel hedge and cypress trees. Many varieties of fruit and nut trees. Ample parking. Interior is 2 up, 2 down. Living room with wood-burning fireplace insert. Ceiling height adds spaciousness to this small, affordable home. Enjoy a quick bike trip into town for croissants and pastries or an evening at the local café. Walking trails lead from the house into the vineyards and to neighboring towns.

 

PRICE: 79,000 euros
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Period house in a beautiful Razes circulade village.  This renovated but unspoilt house is over 200 years old and has far reaching views of countryside, hills and mountains from almost every room, and a stunning roof terrace.  There are 3 double bedrooms, large lounge, separate dining room and kitchen.  There is also a very large walk-thru cellar.  The house retains many period features including a beautiful oak staircase.  Price 110,000 euros.  Please contact linda.la@live.co.uk for further details and viewings.

 

 


 

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 Detached modern house

for sale in Montréal

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

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  readers write

 

 

  

 

 

 

BARCELONA DAY TRIPPERS.  I drive to Barcelona every Wednesday, for the day.  If you would like a break in your routine, perhaps take a lunch and visit some sights in Barcelona, contact me at bornchiro@gmail.com  Leave at 8 am and back at 8pm or a bit later depending on how much fun you are having.  40-60 euros per person depending on numbers.

 

  wanted.  english speaking body workers for the Montreal Health and Lifestyle Center.  Yoga, pilates, massage, acupuncture etc.  If you have something you want to share and be part of something special, contact dr. moore at bornchiro@gmail.com

 

weekend apartment rental, barcelona

 

a beautiful historic apartment in the heart of the 'born' district.  100 meters from the Picasso museum and a walk to the beach.  1 bedroom.  100 euros per night.  contact colin at bornchiro@gmail.com

 

 

Hello Steve

 

I wonder if you, or any of your readers, are able to advise if there is an equivalent to Radio 4 in France?  I download podcasts of plays, comedies, Desert Island Discs, Women's Hour and such like and would dearly love to listen to something similar in French.  However, whilst Radio France Culture would seem to be the obvious choice, I find it too highbrow and at times exceedingly "dry", lacking the breadth of program topics of Radio 4.  To compound matters, why on earth do they have an interviewee speaking in his mother tongue with a simultaneous French translation; this practice renders the content unintelligible (for me, hard of hearing as I am)?  Thus I continue to be frustated in my attempts to improve my aural French comprehension.

 

Am I the only one??  All suggestions gratefully received!!

 

Kind regards,

Rosemary.

 

 

Hi!!!

I understand that, "we," are in the grip of economic problems and we are told that savings must be made. With this in mind, I would ask the question, do we need street lights on all night? I can see the requirement to light our streets in the evenings when one may walk to call on friends and neighbours, but judging by the lights in my neighbours' windows they retire by eleven o'clock. So why do the lights stay on all night? If someone is out and about they usually have a vehicle with lights.

Let us crunch some numbers, let us say we turn the majority of the lights off at midnight, say 60, this could average say five hours saving per light per night. Let us say that the EDF charges a centime an hour per light.  So we have a potential saving of {60 x 5 x 365} over 1000 Euros. A worthwhile sum? How much does EDF charge for street lighting?

 

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 29 Juin 2013       

Coursan  (Coursan)

Narbonne  (vide grenier dimanches et jours feries)

Saverdun  (vide-grenier)

Dimanche 30 Juin 2013  

Alairac  (vide grenier des chasseurs et des amis de la nature)

Arques  (vide-grenier)

Bize-Minervois  (méga Vide Grenier "Fitiavana Madagascar")

Carcassonne  (france senegal solidarite)

Carcassonne  (vide grenier brocante)

Cenne-Monestiès  (vide grenier)

Coursan  (grand vide grenier de l'OT)

Coursan  (Vide grenier)

Fabrezan  (vide grenier brocante de la boule fabrezanaise)

Gruissan  (vide grenier du Point jeunes de la MJC)

Lapradelle  (vide greniers)

Leucate  (puces nautiques , vente de bateaux d'occasion)

Marseillette  (vide greniers)

Montolieu  (vide-greniers, bourse aux jouets et vêtements)

Narbonne  (vide grenier dimanches et jours feries)

Narbonne  (vide greniers du Club Léo Lagrange)

Pieusse  (vide grenier)

Port-la-Nouvelle  (vide Greniers des Sapeurs Pompiers de Port la Nouvelle)

Ventenac-en-Minervois  (vide grenier d'ete)

Villesiscle  (vide greniers)

Léran  (vide Grenie de l'ASC "Accès Léran")

Lieurac  (vide grenier et marche des producteurs de la vallee)

Mirepoix  (vide grenier)

 

Moulin-Neuf  (foire - Vide Grenier)

Pamiers  (Marché et puces et à la brocantes)

 

Quié  (vide grenier)

Vendredi 5 Juillet 2013  

 

Narbonne  (foire aux antiquités et à la brocante 42ème)  

 

              

 

Samedi 6 Juillet 2013      

Coursan  (Coursan)

Narbonne  (vide grenier dimanches et jours feries)

Narbonne  (foire aux antiquités et à la brocante 42ème)

Port Leucate  (vide greniers)

Roquefort-des-Corbières  (vide grenier nocturne)

 

Foix  (championnat du monde de lancer de jambon et Vide Grenier)

 

Saint-Paul-de-Jarrat  (vide greniers)

Saverdun  (vide-grenier)

Saint-Lizier  (marché aux Puces, de la cave au grenier)

Dimanche 7 Juillet 2013

Carcassonne  (vide greniers)

Carcassonne  (vide grenier brocante)

Chalabre  (vide Grenier Bon'Action)

Conques-sur-Orbiel  (vide Grenier du Scion Conquois (société de pêche))

Coursan  (Vide grenier)

Ferrals-lès-Corbières  (vide grenier du pétanque club ferralais)

Labastide-d'Anjou  (vide grenier)

Lagrasse  (brocante - vide grenier)

Leucate  (vide -greniers)

Mailhac  (1er vide grenier de la pétanque mailhacoise)

Marseillette  (vide grenier de Marseillette 13)

Montréal  (vide greniers / marché artisannal)

Moussan  (vide grenier)

Narbonne  (vide grenier dimanches et jours feries)

Pennautier  (vide grenier cyclo club pennautierois)

Peyriac-de-Mer  (vide-greniers)

Villasavary  (vide greniers des Passejaires)

Villeneuve-les-Corbières  (vide grenier association "parmi nous")

Celles  (vide grenier)

L'Hospitalet-près-l'Andorre  (vide grenier)

Mazères  (vide grenier mensuel)

Pamiers  (Marché et puces et à la brocantes)

 

Saint-Lizier  (marché aux Puces, de la cave au grenier)

 

 

 

 What's On

 

 

 

 

 

DAVID GUETTA 21 June Carcassonne Festival

LES GIPSY KINGS 28 June Zenith Toulouse

Manu Dibango 2 July Montauban 

Liz Mc Comb 4 July Montauban

Mélody Gardot 9 July Montauban

Madness 10 July Montauban

ARCTIC MONKEYS 15 July Carcassonne Festival

SMASHING PUMPKINS 17 July Carcassonne Festival

NAIVE NEW BEATERS & TWO DOOR CINEMA CLUB

20 July  Carcassonne Festival

GEORGE CLINTON & THE BLUES BROTHERS 21 July Carcassonne Festival

 

 

 

 

 

Benjamin Biolay + Patti Smith + Lou Reed 22 July Carcassonne Festival

MARK KNOPFLER 24 July Carcassonne Festival

ONE NIGHT OF QUEEN 8 Oct CASINO THEATRE BARRIERE

STEEL PULSE 9 Oct Bikini Toulouse

LIL WAYNE 12 Oct Zenith Toulouse

FOALS 3 Nov Bikini Toulouse

SUEDE 4 Nov Bikini Toulouse

CAT EMPIRE 10 Nov Bikini Toulouse

ROMEO ET JULIETTE 15 Nov Zenith Toulouse

MAMMA MIA! 22 and 23 Nov Zenith Toulouse

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

WITHIN TEMPTATION 20 Jan Bikini Toulouse 

THE AUSTRALIAN PINK FLOYD SHOW 11 Feb Zenith Toulouse

   
   
 artparcours  Picture189

 

 
 
 carcoff13

leshoriaire

 

 On a Lighter Note

 

 

Things you should know

  

 In the 1400's a law was set forth in England that a man was
allowed to beat his wife with a stick no thicker than his thumb.
Hence we have 'the rule of thumb'
------------

Many years ago in Scotland , a new game was invented.
It was ruled 'Gentlemen Only...Ladies Forbidden'.. ..
And thus, the word GOLF entered into the English language.
------------

The first couple to be shown in bed together on prime time TV was Fred 
and Wilma Flintstone

------------

Coca-Cola was originally green.
------------

It is impossible to lick your elbow.
------------

The cost of raising a medium-size dog to the age of eleven:
£ 10,120.00
------------

The first novel ever written on a typewriter, Tom Sawyer.
------------

Each king in a deck of playing cards represents A great king from history:
Spades - King David
Hearts - Charlemagne
Clubs -Alexander, the Great
Diamonds - Julius Caesar
-----------

111,111,111 x
111,111,111 = 12,345,678,987, 654,321
------------

If a statue in the park of a person on a horse has both front legs in
the air, the person died in battle.
If the horse has one front leg in the air, the person died because of
wounds received in battle.
If the horse has all four legs on the ground, the person died
Of natural causes

Q.. If you were to spell out numbers, how far would you have to go until you would find the letter 'A'?
A. One thousand
------------

Q. What do bulletproof vests, fire escapes, windshield wipers and laser printers have in common?
A. All were invented by women.
------------

Q. What is the only food that doesn't spoil?
A. Honey
------------

In Shakespeare's time, mattresses were secured on bed frames by ropes.
When you pulled on the ropes, the mattress tightened, Making the bed
firmer to sleep on.
Hence the phrase...'Goodnight , sleep tight'
------------

------------
It was the accepted practice in Babylon 4,000 years ago that for a month after the wedding, the bride's father would supply his son-in-law with all the mead he could drink. Mead is a honey beer and because their calendar was lunar based, this period was called the honey month, which we know today as the honeymoon.
------------


In English pubs, ale is ordered by pints and quarts....
So in old England , when customers got unruly, the bartender would yell at them 'Mind your pints and quarts, and settle down. It's where we get the phrase: 'mind your Ps and Qs'
------------

Many years ago in England , pub frequenters had a whistle baked into the rim, or handle, of their ceramic cups. When they needed a refill, they used the whistle to get some service.
'Wet your whistle' is the phrase inspired by this practice.
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At least 75% of people who read this will try to lick their elbow!

FAGTOM

cyporus

 

 

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Email your text, pictures and contact information to mail@audeflyer.com

 

Possible Changes to Capital Gains Tax Rules for ‘La Maison Secondaire

 

 

French capital gains tax relating to second properties is back on the government’s agenda again.

 

During a recent interview on Capital (M6), President Hollande announced that there will be a return to the regime whereby second properties will be fully exempt from capital gains tax, after 22 years of ownership.

 

Whilst Hollande was not specific about the actual details of the planned changes during the interview, it is possible that this will be a return to the pre-2004 regime - a promise made in his election manifesto, which seemed to disappear after he was elected. Perhaps he feels now that he needs to pull something out of the hat to restore his popularity!

 

Under the pre-2004 regime, the taper relief was 5% for each year that the property had been owned beyond the first two years, resulting in the property being free from capital gains after 22 years. This is clearly an improvement on the current 30 year period. Even better is the fact that pre-2004, the taper relief was uniform for each year, in comparison to the current system, where the taper relief is heavily weighted towards the later part of the 30 year period.

 

Under the pre-2004 regime, the purchase price of the property could also be revalued to take into account currency depreciation, when calculating the gain in the property. Now don’t get too excited here because we are not talking about Sterling vs Euro! No, this is about how the French currency may have lost its purchasing power, as a result of inflation. But still an improvement, since no allowance for inflation exists with the current system.

 

At the moment, the French capital gains tax rate for property is fixed at 19%. If we do return to the pre-2004 system, the taxable gain will be added in with the household’s other taxable income, which is also – since the beginning of this year - the basis used for taxing realised gains from financial assets.

 

Therefore, if the changes are introduced and you are low or non-taxpayer, you might benefit. In reality though, this would depend on the actual amount of the gain and how far up the income tax bands – the highest of which is 45% - this takes you. If you are not in the low tax bracket, then you will probably have to pay a higher rate of tax on the property gain, but on a lesser amount of gain.

 

On the plus side, if the gain is added to other taxable income, the quotient system should apply and so the more ‘parts’ to the household that you have, the more this would benefit you. However, if you are single and already have high taxable income, the changes will most likely hurt. Depending on your situation, therefore, you may feel that you still have to hold on to that property.

 

If the government does move to taxing gains from property in the same way as gains from other financial assets and income, it will need to ensure that the result is not ‘punitive’ for the taxpayer or it risks having its proposals censured again by the Constitutional Council. That being said, ‘punitive’ could still be very high, for example, if the gain takes you into the 45% income tax bracket, plus the social contributions of 15.5%. In addition, where the gain exceeds €50,000, there is already an additional tax payable of between 2% and 6%, depending upon the amount of the gain.

 

In his interview, Hollande also announced that there will be a special allowance in 2014 to be offset against the property gain. Again, he was not specific on the detail, but his previous proposal was for a further 20% reduction to be applied to the tapered gain, but only for the purpose of the capital gains tax and not for the social contributions.

 

Hollande’s initiatives are aimed at getting the property market moving again, particularly in view of the shortage of housing in France. He is also hoping that this will lead to a reduction in property prices. I guess his thinking in this is that if there is a reduction in the tax bill, people may be prepared to reduce the price of their property to sell it, particularly during the period when a 20% ‘bonus’ may be available. Only time will tell and in the meantime, the changes might benefit French residents who are trying to sell second properties outside of France.

 

What is clear is that we are moving more and more away from fixed rates of taxes to everything being taxed at a progressive scale. Perhaps this is fair – the more income you receive, the more tax you should pay. However, how does this factor in with the social contributions, which are at an excessively high rate of 15.5% on investment income and capital gains. These contributions are intended to fund the deficit in the health system, but they are really just another tax. Perhaps it is only a matter of time before these contributions are merged in with income tax rates. However, since the government raises more revenue from social contributions than it does from income tax, I cannot see this happening any time soon and not before the country’s budget deficit is under control.

 

The message is clear that people need to keep their taxable income as low as possible to avoid paying unnecessary taxes on income and gains. There are various ways to do this, depending upon your circumstances, and if you would like to have a confidential discussion, please contact me either or by telephone on 04 68 20 30 17 or by e-mail at daphne.foulkes@spectrum-ifa.com.

 

The Spectrum IFA Group advisers do not charge any fees for their time or for advice given, as can be seen from our Client Charter at:

http://www.spectrum-ifa.com/IndependentFinancialAdviceinEurope-Charter.html

 

 

 

 

Daphne Foulkes

SIRET 522 658 194 00017

Numéro d’immatriculation ORIAS 10 056 800