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Aude & Ariege Flyer Archive

 

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

Archived Flyers

 

 header1513

 

Bonjour

The good bergers of Carcassonne have apparently got bored with their twinned town of Eggenfelden in Bavaria and have decided to twin up with the delightful Estonian capital Talinn. There is an exhibition of artists’ work from both towns next to the market hall in Carcassonne.   What’s next?  A new Ryanair route?

Is the plan of Mr Hollande to spend his way out of the country’s depression by local building projects?   It would be very interesting  to have a map of the Aude and Ariege and for you send in details of all projects involving state or local finance.  Around Limoux there appear to be at least four, two of which are new roundabouts (the cost of one is marked on a sign adjacent to the works of 700,000€ plus.   Yes I know, these will have been projects in the works for years with money earmarked for them, however  I have never seen so much going on.  Not surprising Mrs Merkel is getting a little flustered.

In addition to all the holidays of May it should be a very lucky month,  May 1st brought extraordinary volumes of Le Muguet out of people gardens for sale on the streets. I didn’t by any, maybe that’s why I have had so many problems with the Flyer web host and the lateness of this Flyer.    I think I will buy some next year.

I think 3 people strongly objected to my comment about Margaret Thatcher (see Readers’ Write below) and  I think their objections were completely unfounded because I know what I meant and felt.   Maybe it was the title of that Flyer that got them ready to think the worst, Ding dong beware of Kim Yong.   So they then read more into my words than was there.  All I said was that I thought the coverage was too much for me.   I have been a firm believer in benevolent dictatorships and particularly that of the late Baroness.  Please don’t read what isn’t there! 

 

 

Steve

 

 

 

 

 

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

pricesmall

jgr test

audebuilders

lenetwork

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

carolyn b card extra text pink

treesurgeon

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

 61specto

 

 Is your deposit still not delivering the returns you would like?

 

 

With interest rates still at very low levels, we are all searching for other ways to make a return on our savings. However, after what has been a long period of uncertainty, we are now seeing an increase in the number of people who are feeling a little more confident about investing in the stock markets. For those of you who have not yet taken the step to go directly into investing in equities, there is an alternative.

 

How would you like a competitive rate of interest on half of your capital and exposure to stock market gains on the other half, without the risk of potential stock market losses? I think it’s fair to describe this as the best of both worlds!

 

Perhaps a few other questions may help you to decide whether or not this is interesting for you:

 

-       Do you want all of your capital to be 100% guaranteed?

 

-       Would you like to earn 6.09%, for one year, on half of your guaranteed capital, which will be available to you at the end of that year, together with the investment return?

 

-       Would you like 103% of the other half of your capital to be guaranteed, with the potential to earn a further 50% of the stock market return, over a five and a half year period?

 

-       Would you like this to be within an investment that is tax-efficient for you personally?

 

-       Would you like this to be within an investment which is tax-efficient for inheritance purposes and you have the choice as to who receives this capital on your death?

 

If the above is interesting for you then read on because at The Spectrum IFA Group, we can offer you an investment, which rewards you with a competitive rate of interest on half of your money, while the other half provides for exposure to stock market gains with the reassurance that, in the event that the market falls, there will be a minimum return in the form of a Capital Bonus. Added to this is the advantage that it is all put inside a tax-efficient wrapper. Basically, it works like this:

 

Ø  Half of your money, plus an enhancement of 3%, is placed on deposit and will be returned in full after 12 months, paying an interest rate of 3% (for Sterling and US dollars), which is equal to an effective total return is 6.09%.

 

Ø  The other half of your money, plus an enhancement of 3%, is placed on a five and a half year fixed deposit, where the return is linked to the growth in the underlying currency stock market index (Sterling or USD). On this part of your money, you will receive 50% of the growth of the underlying stock market index, over the five and a half year period, with a guaranteed minimum return at the end of the period of 5% of the amount deposited, which is therefore an effective return of at least 8.15%.

 

There is a variation of the above option for those who prefer to take more risk and if this is of interest to you, please contact me for details.

 

This type of investment may not be suitable for everyone, however, if your answer is “yes” to even one of the above questions, then it is worthwhile contacting me in confidence, either by e-mail at daphne.foulkes@spectrum-ifa.com or by telephone on 04 68 20 30 17.

 

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

 

 

 

  

spectnewfoot

 csf april17may1 

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

 

 

 

   Want to advertise but cant do the artwork?

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

bandas mont13

 

Hello there,

I presently run the English Speaking Women's Group in the Ariege, Aude and Haute Garonne.  Increasingly, I am finding that men are interested in joining the English Speaking Womens Group. 

I am beginning to wonder if I should be changing the name of the group to the English Speaking Group.  The emails could still be sent to both genders and perhaps some of the men in the group may wish to set up get togethers, in the form of sport, golf, ski-ing, hiking, diving to name a few and the odd lunch etc - I just don't know really.

For those men already on the mailing list and those men who feel would think this could be an interesting proposition, please contact me at sara65@stvictordufau.com

I do think as the group has evolved and grown that there is probably a place for this kind of group and I would be happy to send out mailers for the mens group as well as the ladies group.

Whilst I am on this subject, perhaps there is also a place for an English Speaking Families Group for those people who wish to get to know other families in the area and have get togethers in others homes or restaurants, picnics etc - please email me your thoughts on the above email address.

Best wishes

Sara

 

 Tech Talk

 

Why are updates so important for my computer?

Updates are really important for several reasons: firstly, they solve problems with the software. For example, no software is perfect and runs smoothly all the time, but the software manufacturers often identify problems thanks to users feedback and will solve (hopefully) them. These are known as bugs.

Secondly, if its more serious, like your operating system or internet software i.e. e-mail, browser etc, then it can solve security holes in the software. These holes, in theory, need to be plugged from allowing unwanted visitors to get into your computer or upload virus/malware to your computer without your knowledge or consent.

Lastly, for software which needs regular updates, like your antivirus software. The reason that the cycle of updates is so short is because no virus is the same and the way it attacks that system can be different. So when you are download updates from the antivirus software manufacturer it is fixing several things, firstly any software bugs, secondly any security issues with the software and lastly the definitions of all the millions of viruses out there.

So which update should you do, every day there seems to be another popup requesting to update?

You should ALWAYS update the following as soon as they appear:

$1·         Adobe Acrobat

$1·         Adobe Flash

$1·         Adobe Air

$1·         Java

$1·         Windows Updates (on a PC) or OSX updates (on a Mac)

$1·         Your Virus scanner (AVG, Avast, McAfee,

$1·         Your Malware or Anti Spyware software

$1·         Any other program that you use.

You should always read the update screens and make sure you untick any extras.

For example if you update Java is will ask “Do you want the Ask toolbar” – NO you do not.

If you update Adobe it will ask “Do you want McAfee security scan” NO you do not.

Always untick the extras!

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

 

 

NEW JAZZ aude

rose13 

 AF Ad update May 2013

dugrain 

audead

19sculptures

cinecarcmay13 

facebook_banner

 

 

Going to the Dogs !

Seven years ago we got our first dog, Flora, a Boxer-Alsatian cross that had been abandoned in a village nearby. She has been the light of my life ever since. Last November a dachshund spent three nights with us after he too had been abandoned in our village – probably because he had a slightly deformed foot. Mind you, that didn’t stop him belting through the woods with Flora.  Not being in the market for a second dog ourselves a neighbour kindly took him up to SPA (Société protectrice des animaux), the dog refuge in Carcassonne where he was soon adopted and, as a sausage dog, was given the name Lincoln and a loving home.

A little while later two more dogs appeared in the village and after hanging around the area for a couple of days I decided to take them to SPA myself to check the place out.  Paul O’Grady’s telly programmes from Battersea Dogs Home gave me some pretty unrealistic expectations. SPA in Carcassonne has none of the 5-star comfort of Battersea, but the staff and volunteers make sure their dogs are loved and cared for. The refuge gets no state intervention and relies on donations and adoption fees to keep going. This has to pay all the staff costs, utility bills, not to mention dog food and vet treatment. It’s amazing how far SPA can stretch the slender resources. Dogs are housed alone or in pairs, in clean and roomy pens, each with outside space and a kennel. They are well-fed, offered medical care when needed and given loads of extra bedding during the winter months. The only thing they lack is the kind of affection and company we all need.

I signed up as a volunteer about four months ago. One afternoon a week I take a couple of hours to walk the dogs and sit down with them for a chat and a cuddle. We all have our favorites; mine is Freddie – ugly as sin, with bad breath and dandruff but he has such an affectionate nature and is so appreciative of any little attention! There are quite a few volunteer walkers, French and British, so as well as giving the dogs some much-needed exercise, SPA offers a great social outlet. But even with the current number of volunteers, the dogs are lucky if they get out once a week.

 

Of course, it was only a matter of time before somebody caught my eye; this was Roady, so named because he was found injured and traumatized on the motorway. After several weeks in the infirmary being tenderly cared for by vets and volunteers he was let out for his first walk and made a bee-line for me. He was irresistible and as the cold weather was coming, I happily agreed to offer him a foster home (une famille d’accueil). Mike, my companion, took to him immediately while the lovely Flora, having always been an only child, was rather more skeptical. But she came around and now wouldn’t be without his companionship. Six weeks after bringing him in from the cold, Brody as he was now known (because of his uncanny resemblance to actor Damien Lewis) was formally adopted into the Houghton-Crowther household. His integration hasn’t been without the occasional hitch but the support and advice we’ve received from the staff and volunteers at SPA has been exemplary. Brody is now happy, well-adjusted and a much-loved family member.

 

SPA is always looking for helpers.  It’s easy to be a volunteer dog-walker and is such good fun. If you want a dog but your lifestyle won’t allow it, walking will allow you at least one afternoon’s canine companionship a week. The exercise and new friends you make are a terrific bonus. Foster-carers and adopters are needed too. Refuge dogs sometimes have a history and have usually been rejected and they need patience, care and families who are willing to go the extra mile to make up for old hurts.

 

On Sunday 5th May between 14h00 and 18h00, SPA Carcassonne is holding an open day at the Foyer in Berriac.  Staff and volunteers will be available to discuss their work with the dogs and cats and answer your questions about all aspects of the refuge including volunteering, fostering and adoption.  If you want to know more right now, check out the English version of the website www.dogrescuecarcassonne.co.uk. or come to the refuge itself, Tuesdays, Thursdays or Saturdays from 14h-17h for a chat and a look around. Come and see us. We’re a friendly lot; we don’t bite and neither do our four-legged friends.

Rob Houghton

 

 

meteo ciel3

 

 

 wildwordssecond

 

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

 

 veday

 nealpool

 aaaaude

 

 jardin


Now is a good time to clip box hedges to keep them neat.  It is also a good moment to prune early flowering clematis such as C armandii, and C cirrhosa to keep the growth in check.  Spring flowering shrubs also benefit from being pruned after their flower display is over.

Wisteria is making a wonderful show in many gardens at the moment.  I am frequently asked about pruning wisteria; formative pruning of young plants is carried out so that the plant makes the framework that you are seeking, on established plants pruning of the long green whippy shoots to control size takes place in July or August with the main pruning carried out during January or February when growths should be cut back to just two or three buds per stem.  This will encourage better 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.  Our  open weekend is on the 1st and 2nd June, the programme can be seen at  http://www.lapetitepepiniere.com/default.asp?itemID=204&itemTitle=Weekend%20Portes%20Ouvertes, we shall hope to see many of you there.

 

 

 pinpro

 

 

The Property Page

 

 

   

 

Cepie, 11300             210,000€

Attractive traditional  villa in the pretty village of Cepie conveniently placed between Carcassonne and Limoux, approximately 20 minutes from Salvaza airport.  With ample parking for several cars and set in a large garden both quiet and private with fruit trees, the property comprises: Entrance Hall with fitted cupboard, wc with wash-hand basin.  Fully fitted Kitchen with electric oven, gas/electric hob and plumbing for dish-washer.  Utility Room plumbed for auto washer and with fitted cupboards and shelves.  Lounge/Dining Area with large fireplace and inset glass-fronted, wood burning fire, two sets of french doors leading to Conservatory.

 

 Two double bedrooms with fitted cupboards.  Bathroom with shower over bath and fitted vanity unit and linen cupboard..  Further Bedroom 3 or Sitting Room giving access to garden.  Electric heaters throughout.  Covered terrace to front with pleasant south-facing views.  Open terrace to rear with built-in BBQ.  Separate workshop with electricity.  Energy rating D.

 

Price: 210,000 euros.

 

Contact: Mavis Bentley

 

Tel: 04 68 20 52 34

 

mavisbentley@hotmail.co.uk.

 

 

 

 dpe bentley

DSC00423

Detached modern house for sale in Montréal

 

WANTED.  An apartment with a large terrace  within  the Bastide Carcassonne.

Car space or garage would be preferable. 


A double room in an eighteenth century warehouse for rent mid-week.
Would suit an Aude/Ariege commuter beautifully as the flat is next to
The Shard, Borough Market, and so very easy to get to either Stanstead orGatwick. Six months let would be perfect (renewable if it works out).
Share the flat with me. I am a Professor of New Media, working at a
London University, and have a house in the Aude.
Lizzie: 07808725141

 

to respond to either of these please email, mail@audeflyer.com

neilfront

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

currencysqbann

20120902-IMG 1663

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

bennettsplead

Holiday Apartment AiguaBlava,

Costa Brava

www.aiguablava.co.uk

002

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€

 

  readers write

 

 

 

For several years now I have been receiving your publication and in all of that time I have never felt so incensed that I felt it necessary to write to you.

As an editor it is surely your duty to remain impartial - however your comments regarding the death and funeral of Baroness Thatcher were absolutely out of order. As the first female Prime Minister and the longest serving PM in the 20th century she should at least have been treated respectfully. You seem to forget that she was VOTED into power on three occasions by the the British public!

I find your comments totally disrespectful  and I, and many other Aude Flyer readers that I have spoken to, will be viewing your personal comments with a greater degree of suspicion in future.

Yours faithfully,

Sir David Sykes, Bt.

Cesseras, 34210

 

 

Steve......love reading your articles but there are times when political opinions should be reined in...ie re the Baroness Thatcher..

 

 

Thought your comments about Baroness Thatcher where in bad taste.

 

 

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 4 Mai 2013          

 

Coursan  (Coursan)

Mailhac  (vide greniers et marche du terroir)

Narbonne  (vide grenier dimanches et jours feries)

Port Leucate  (vide greniers)

Quillan  (Brocante de quillan)

Villasavary  (bourse aux fleurs)

Saverdun  (vide-grenier

Dimanche 5 Mai 2013    

Belpech  (vide grenier organisé par ADIAPIC)

Boutenac  (vide grenier)

Carcassonne  (vide grenier du davilla petanque)

Carcassonne  (vide grenier brocante)

Conques-sur-Orbiel  (bourse vêtements, livres, puériculture, jouets, disques)

Coursan  (Vide grenier)

Durban-Corbières  (vide grenier du Comitat de Festo)

Gaja-et-Villedieu  (vide greniers du comité des fêtes)

Leucate  (vide grenier du SCLR XV)

Limoux  (Brocante)

Mailhac  (vide grenier et marché du terroir et des producteurs)

Montréal  (vide Greniers)

Narbonne  (vide-greniers de printemps Calandreta "la granhota")

Narbonne  (vide grenier dimanches et jours feries)

Palaja  (vide grenier)

Peyriac-de-Mer  (vide-greniers)

Rieux-Minervois  (bourse moto & Vide grenier)

Sigean  (vide greniers des sapeurs pompiers de sigean)

Loubières  (vide Grenier)

Mazères  (vide grenier mensuel)

Pamiers  (Marché et puces et à la brocantes)

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

Saint-Quirc  (vide-greniers et vide-greniers enfants)

Mercredi 8 Mai 2013      

Alet-les-Bains  (vide grenier - Vide jardin - Vide dressing)

Belvèze-du-Razès  (2eme Vide Grenier de l'école)

Carcassonne  (vide-grenier)

Coustaussa  (vide grenier du comité des fêtes)

Lavalette  (vide grenier du FEP Lavalette)

Lézignan-Corbières  (vide Grenier)

Mirepeisset  (vide grenier)

Narbonne-Plage  (VIDE GRENIER du front de mer)

 

Névian  (Fête des fleurs et vide grenier)

 

Peyrens  (Marché aux fleurs- vides greniers)

Puivert  (Vide grenier annuelle)aint-Pierre-la-Mer  (Vide-Greniers)

 

 



Trèbes  (vide greniers accents et soleil)

Villeneuve-Minervois  (vide grenier)

Daumazan-sur-Arize  (5ème vide grenier de Daumazan)

Foix  (vide grenier de quartier)

Saint-Amadou  (vide-greniers)

Jeudi 9 Mai 2013              

Alzonne  (vide dressing)

Carcassonne  (vide grenier brocante)

Gruissan  (vide-grenier)

Moux  (vide-grenier de la mjc)

Narbonne  (vide grenier)

Rieux-Minervois  (vide-Grenier du Printemps)

Roquetaillade  (vide grenier)

Thézan-des-Corbières  (vide dressing de la MJC les thezanots !!!!!)

 

Villardonnel  (Vide grenier du Foyer rural de Villardonnel)

Montgailhard  (Vide grenier)

Samedi 11 Mai 2013       

Coursan  (Coursan)

Narbonne  (vide grenier dimanches et jours feries)

Quillan  (Brocante de quillan)

Rennes-le-Château  (vide grenier)

Lavelanet  (vide-grenier et marchè floral)

Saverdun  (vide-grenier)

Dimanche 12 Mai 2013  

Carcassonne  (vide grenier brocante)

Castelnau-d'Aude  (vide grenier de l'association des parents d'élève)

Coursan  (Vide grenier)

Cruscades  (vide grenier de la peche)

Cuxac-d'Aude  (vide grenier brocante benefice animaux abandonnes)

Fontcouverte  (vide grenier du 3eme age)

Fontcouverte  (vide grenier du 3eme age)

Fontjoncouse  (vide grenier)

Le Somail  (vide greniers du printemps)

Narbonne  (narbonne handball)

Narbonne  (vide grenier dimanches et jours feries)

Narbonne  (vide grenier ecole maternelle mathieu peyronne)

Port-la-Nouvelle  (vide greniers des Sapeurs Pompiers)

Puicheric  (vide-grenier)

Sigean  (vide grenier de la calandreta LO BECARUT)

Villemoustaussou  (vide grenier)

Villespy  (vide dressing)

Escosse  (vide greniers)

Laroque-d'Olmes  (vide grenier)

Pamiers  (Marché et puces et à la brocantes)

Saint-Quirc  (vide-grenier)

Saverdun  (brocante)

 What's On

 

 

 

 

TOTO 15 June Zenith Toulouse

CARCASSONNE FESTIVAL 19 June to 15 Aug

DAVID GUETTA 21 June Carcassonne Festival

LES GIPSY KINGS 28 June Zenith Toulouse

ARCTIC MONKEYS 15 July Carcassonne Festival

SMASHING PUMPKINS 17 July Carcassonne Festival

LIZA MINNELLI 18 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

ROMEO ET JULIETTE 15 Nov Zenith Toulouse

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

WITHIN TEMPTATION 20 Jan Bikini Toulouse 

   
benicassim 13 artparcours
Picture12  13artsasuivre
Hilton2013aff  spacarcaopenday

 

 
 
 carcoff13

leshoriaire

 

 On a Lighter Note

 

 

 

 

ADVERTISING RATES 
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

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

100€

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

Standard Display Advert - Corporate

50€

Finished artwork to be 378 pixels by 200 pixels landscape

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

50€

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

Advertising
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 mail@audeflyer.com

 

 

Is your deposit still not delivering the returns you would like?

 

With interest rates still at very low levels, we are all searching for other ways to make a return on our savings. However, after what has been a long period of uncertainty, we are now seeing an increase in the number of people who are feeling a little more confident about investing in the stock markets. For those of you who have not yet taken the step to go directly into investing in equities, there is an alternative.

 

How would you like a competitive rate of interest on half of your capital and exposure to stock market gains on the other half, without the risk of potential stock market losses? I think it’s fair to describe this as the best of both worlds!

 

Perhaps a few other questions may help you to decide whether or not this is interesting for you:

 

-       Do you want all of your capital to be 100% guaranteed?

 

-       Would you like to earn 6.09%, for one year, on half of your guaranteed capital, which will be available to you at the end of that year, together with the investment return?

 

-       Would you like 103% of the other half of your capital to be guaranteed, with the potential to earn a further 50% of the stock market return, over a five and a half year period?

 

-       Would you like this to be within an investment that is tax-efficient for you personally?

 

-       Would you like this to be within an investment which is tax-efficient for inheritance purposes and you have the choice as to who receives this capital on your death?

 

If the above is interesting for you then read on because at The Spectrum IFA Group, we can offer you an investment, which rewards you with a competitive rate of interest on half of your money, while the other half provides for exposure to stock market gains with the reassurance that, in the event that the market falls, there will be a minimum return in the form of a Capital Bonus. Added to this is the advantage that it is all put inside a tax-efficient wrapper. Basically, it works like this:

 

Ø  Half of your money, plus an enhancement of 3%, is placed on deposit and will be returned in full after 12 months, paying an interest rate of 3% (for Sterling and US dollars), which is equal to an effective total return is 6.09%.

 

Ø  The other half of your money, plus an enhancement of 3%, is placed on a five and a half year fixed deposit, where the return is linked to the growth in the underlying currency stock market index (Sterling or USD). On this part of your money, you will receive 50% of the growth of the underlying stock market index, over the five and a half year period, with a guaranteed minimum return at the end of the period of 5% of the amount deposited, which is therefore an effective return of at least 8.15%.

 

There is a variation of the above option for those who prefer to take more risk and if this is of interest to you, please contact me for details.

 

This type of investment may not be suitable for everyone, however, if your answer is “yes” to even one of the above questions, then it is worthwhile contacting me in confidence, either by e-mail at daphne.foulkes@spectrum-ifa.com or by telephone on 04 68 20 30 17.

 

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