Aude and Ariege flyer 2014

Heard of interesting events ?

Aude and Ariege flyer 2014

Postby peter » Thu Feb 20, 2014 9:20 pm

Aude and Ariege Flyer 19th February 2014 (5)

Bonjour


So the Limoux Carnaval has been on for weeks and will continue for many more, if you are thinking of going but are never quite sure when it is, have a look at this website it may help. It has been put together by a band? Or is it the band that does the whole carnaval? Well whichever, it is worth a look and with a translator it may give you a bit more background on the event.

http://www.lascoudenos.fr/index.php/calendrier-2014





So have you come out the other side of your TV crisis, did it require a larger dish? Let me know where and what size did it take?



I saw the other day that Nelson Mandela’s will was being sorted out and in the article I read it referred to him leaving approximately £2.5m. At the time I thought no more about and then it popped back into my head and I wondered how he had earned money. I had a look around the interweb and there was talk of him reducing the salary of his post as president. So where has the money come from? There was talk of donations from businessmen. There were also reports of him giving money to Jacob Zuma - not enough to cover his bar tab or his supermarket home shopping bill but amounts of millions of rand. Rather strange seeing that Zuma has historically been embroiled in a corruption controversy with charges eventually declared unlawful, and then scandals as to the amount of state funds that have been used for his private residence. It’s not so much a house, as Zuma new town and this is hardly surprising as he has been married 6 times, four of which are still current. Maybe the current four are drawing straws as to who gets the First Lady duties on international jollies. It must be even more complicated than for Mr Hollande.

I would like to point out I am in no way besmirching Mr Mandela and his work, I was just wondering where the money had come from (or maybe he was just frugal). Perhaps he got big donations for turning up to events?



So the winter olympics seem to have become a lot more modern this time, lots of snow skate boarding and even Vanessa Mae calling herself Thai and doing her own " cool runnings" skiing herself into last place. I think i would have tried to watch it if it was Nigel Kennedy.

I wasn't sure when I sent the last Flyer if we fielded individual teams or it was a Great Britain team, its in facet the latter and they are currently 19th in the table, which is about what its been for the last few games.



It seems surprising how far people in Ukraine are going to be part of europe, when there is so much euro sceptic behaviour going on in Britain and will continue and grow leading up to the next UK general election.

Did I tell you my theory that the other Miliband will take over the reins of the Blue party late on, when the general election has been called. It all having been planned, sending him away, let the other one take the flack and for people to get bored with him and then switch horses at the last minute, watch that space.


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Another busy year is under way; at least it’s certainly started that way. I can’t believe that March is on the horizon already. January saw the gathering of most of the Spectrum clan in Davos for the Financial Forum. This is our annual conference; a time to gather together to discuss the last year and to ponder what might await us in the coming months. As it transpired, 2013 was a fabulous year for Spectrum, with business up a massive 51% over the previous year, which had in itself been a record year.

We are joined at these events by market experts from leading financial houses to offer their input on various financial topics. These sessions are always informative, and often entertaining. The ‘most entertaining’ title clearly went to a Swiss lawyer, who took us through the demise of the famous Swiss Banking Secrecy era, a subject very pertinent to Daphne’s article two weeks ago. Amazingly tax fraud, or ‘frode’ as it became for the session, is not illegal in Switzerland. It is a civil infringement of course, and subject to fines, but the genteel Swiss still recognise that to err is human. Anyone can forget a few tax details here and there, can’t they? Not if you live in France or the UK you can’t, so please bear that in mind.

It is amazing to me how administratively far behind you can get when you take a five day break from the office. Despite keeping in email contact and handling any urgent items by phone, my in-tray was overflowing when I returned from Davos. This was partly because of my policy of sending out policy statements to all my clients just after the end of each quarter. I find this can tend to focus the mind on investments, and helps both me and my clients to keep on top of things. Anyway, the two factors combined to ensure that any leisure pastimes I might have had planned were put aside for a while.

Since then of course a more normal timetable has been restored, and it is largely business as usual, albeit still busy. Meeting new clients for the first time; writing up reports and then arranging follow-up meetings; executing (hopefully) the ideas presented in the reports, these are only a part of a day’s work. Monitoring existing business on a regular basis is vital, hence the quarterly reporting. Then there is also the financial ‘agony uncle’ side to the work, which I find extremely interesting. E-mail enquiries generated from any number of sources covering all types of financial questions land in my in-box every week. Sometimes I read them and have no idea what the answer is (such as ‘where can I source bulk volumes of ice cream for my new business in Carcassonne?’ or ‘can I use my UK credit card on motorway petrol pumps on national holidays?). Yes, really.

Life as a financial adviser is fairly consistent. There are only so many mainstream subjects (not ice cream) that can crop up in my daily routine, so it is refreshing when something out of the ordinary comes up, and recently I had a very interesting time doing some research for a new client who wanted his money to be invested in SRI funds. I doubt that many readers will have heard of SRI, but it stands for ‘Socially Responsible Investing’, perhaps better known as ethical investments. This is not new to me of course, but it isn’t something that crops up in many client meetings. I tend to think of new clients in investment terms along the scale of carnivores or herbivores; meat eaters or vegetarians. Meat eaters will invest in most things, and tend to assume that they are not consuming, or indeed investing in, anything toxic. Vegetarians are more complex. A normal Veggie will need reassurance that he is not eating any meat or meat derivative products. In other words he doesn’t want to invest in any of the bad people who pollute our world physically or morally. Then there are the Vegans, who are not satisfied by the Veggie approach. No occasional fish or eggs or milk for them; they are straight down the line. No meat. Period. The Vegan investor isn’t satisfied with avoiding the bad guys; he’s out to find the good guys and invest in them. He wants to support irrigation projects; AIDS and Cancer research; sustainable energy sources and the like. Vegan investors can be difficult to please, as to some even ‘profit’ is a bad word, but trying can be a rewarding experience.

Back to more mundane matters next month, but until then, keep the calls and mails coming!

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


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/spectrum-if ... t-charter/




Below I am repeating Daphne's article from the last Flyer, as when i put it in, various parts were switched around. Apologies to all.

Steve







France’s Fight Against Tax Evasion



As part of France’s continuing efforts to combat fiscal fraud, a new piece of legislation was enacted into law on 6th December 2013. This has far-reaching effects, including:



Criminal sanctions for serious cases of fiscal fraud are to be increased to a maximum of seven years imprisonment and a fine of €2 million, when the fiscal fraud is facilitated by:
the use of foreign bank accounts or foreign life assurance policies;
foreign entities, including trusts, set up outside of France;
the use of false identity or false documents; or
artificial or fictitious tax residency.
Undeclared monies held outside of France, whereby the taxpayer cannot prove the provenance, to be taxed at 60%.

If, as a result of failing to declare assets outside of France, a taxpayer does not make a wealth tax return because the ‘none inclusion’ of the assets indicates that they are under the wealth tax threshold limit (currently €1.3 million), the penalty is to be increased from 10% to 40% of the tax due.

The period during which the tax authority can take action to prosecute is to be increased from three years to six years.
As concerns trusts, legislation was already introduced in 2011, which has required the trustees to declare to the French tax authorities the existence of the trust with at least one of the following:


French resident settlor;
French resident beneficiary; or
French situated assets – even if the settlor/beneficiaries are not living in France.


Since 2011, failure to declare the existence of a trust has resulted in a penalty of the greater of 5% of the value of the total assets of the trust, or €10,000. The new law increases the fine to 12.5% of the value of the total trust assets or if greater, €20,000.



In addition, a public register of trusts is to be established by the Minister of Finance. This will require full details of the trust to be published, including the name(s) of the trustees, the settlor and all of the beneficiaries, as well as the date of establishment of the trust. Therefore, the text of the law is wide and in effect, requires information concerning non-resident beneficiaries to be made public and may also require the names of potential beneficiaries to be published.


France, like many other countries, is targeting tax evasion more and more. Banks and insurance companies are required to report information to tax authorities about their clients and tax authorities around the world are exchanging information. The EU is also proposing to amend EU Directive 2011/16 to expand the field of the mandatory automatic exchange of information between tax authorities to include capital gains, dividends, bank account balances. Banking secrecy will clearly become a thing of the past!



It’s a fool’s game to try to hide assets and pretending not to be resident is not a good idea. One way or another, the taxman always finds out and the penalties can be very costly. It is much better to seek regulated advice from professionals who are registered here in France.



Does any of this concern you? Would you like to ensure that you and your potential beneficiaries do not pay any more tax on your financial capital and investment income than is necessary? If the answer to either of these questions is yes, then please contact me for a confidential discussion.



We are also now planning for our Spring Client Seminars. As always, there is no charge for any of our seminars and the speakers’ presentations are followed by a buffet lunch, so places must be booked in advance. The planned dates for the next local events are:




21st May at Castelnaudary
22nd May at Perpignan
23rd May at Montpellier


As the seminars are always very popular, early booking is recommended.



If you would like to discuss your financial situation, in confidence, or if you or you wish to attend one of the seminars, please contact me or 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 directly to clients for their time or for advice given, as can be seen from our Client Charter at



http://www.spectrum-ifa.com/spectrum-if ... t-charter/.

Daphne Foulkes

SIRET 522 658 194 00017

Numéro d’immatriculation ORIAS 10 056 800










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







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Xenophobe's® Guide to The French






Intellectually and spiritually, the average French citizen still identifies very much with the land, romanticising rural and village life to a wholly improbable degree. Inside every Bordeaux businessman, Parisian restaurateur or Grenoble academic still beats the heart of a genuine paysan.


To these displaced urban French, the burly farmer – gunning down the local squirrels, fattening geese for their foie gras and counting every cob of corn in their fields – can be forgiven because of all he does to protect a way of life that they abandoned long ago. Even as the sophisticates fume at the wheels of their Peugeots and Renaults in traffic jams caused by agricultural industrial action (the throwing up of barricades of old tractors, rioting, lobbing stones at the police), they feel deep empathy and spiritual communion with the perpetrators, among whom could well be their grandfathers.


Sixty-four million philosophers
From this rural base, the French have stormed the intellectual high ground. It is the passion for matters of the intellect that makes them natural philosophers. They are a people that eat, drink and breathe philosophy. There is not a farmer, fisherman, waiter, car-worker, shop assistant or housewife who isn't a closet Descartes or Diderot, a Saint-Simon or Sartre.



The reason for this is that the French are brain-driven. They worship ideas and those who generate them, even if the ideas are only in vogue for the briefest periods. A French man or woman will hold up a piece of nifty reasoning with the same pride that another might feel when displaying an Impressionist painting, a Fabergé egg or a Sèvres vase.






Extract from Xenophobe's® Guide to the French by kind permission of Xenophobe's® Guides – www.xenophobes.com



Tech Talk


Watching UK TV on your computer.

I’ve written a number of times before about UK TV on your computer, and the various ways and options for watching UK TV (or other services like Netflix or Lovefilm) while in France. Now that a large number of us have lost the BBC and very soon ITV and channel 4, many of us are looking around for a way to get our daily fix of UK TV especially the UK News.



There are many ways to get UK TV via the computer but the well know services like iPlayer do not easily work from here in France. There however some very good free services that allow you to watch TV on computers, tablets, phones and some set-top boxes to start TV’s.



At this point in time I do not have any further information on weather it will be possible to receive the satellite signal with a larger satellite dish. The theory yes it should be possible and I suspect by the time you read this many people will have a working system. Please be very careful to check you local building regulations, our Maire has said no dishes larger than 1m can be mounted to the house without approval. There can also be restrictions if you are close to the church or monument, or national park/forest etc.





Filmon.com - They allow you to watch most free-to-air channels live in your web browser or via very good iPad, and Android apps or via there own player software for Windows or Mac. www.filmon.com



Its also very safe as you are not linking to a remote server, and best of all its free for the standard definition version. They do offer High Definition but only to subscribers.





Anonomox - pluging for the Firefox browser is another safe option, it hides your location so that you can connect to the iPlayer and all other UK TV sites like ITV player, C4 and C5. Some of there site allow you to watch live TV as well as previously broadcast programs. www.anonymox.net



UnoTelly, safe a reliable costing around 3€80 per month or 38 euros for the year. This service works by rewriting the DNS from your computers internet connection to one of their DNS servers and their server recodes it before sending it to the BBC, ITV, Netflix sites etc. so the sites think they are communicating with your computer as if it were in the UK (I’ve greatly simplified what is actually happening). The advantage it is much faster than VPN and also completely Safe. It can be a little tricky to setup, but the quick setup guide they provide is very good. Go to www.Unotelly.com

for more information.



VPN - (virtual private network) services like Expat shield, iPortal, StrongVPN, these types of service do carry a risk. The risk small but something you should be aware of if you are going to use this kind of service. The risk is that the link you make between your computer and the VPN server is two way, it was designed for office staff to be able to access a company server across the internet so the information needs to flow both ways. So when you are watching TV is possible (however highly 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 it through a VPN router protected with a firewall.

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




I hope this will help a few people now that we have lost the BBC and soon ITV and C4.

If people want more info I suggest they contact Richard. See below

Satellite installers are rushed of there feet, a good person to contact is Richard at Sky in France info@skyinfrance.co.uk Tel: 05 63 59 85 16.

Richard has a team of professional installers from other regions of France that are not affect coming to the area in the next week or two to help everyone get reconnected with larger satellite dishes.








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










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peter
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Re: Aude and Ariege flyer 2014

Postby peter » Wed Mar 05, 2014 10:39 pm

Bonjour

Free beer put in - that’s the subtitle I just saw on Sky News. Yes of course - Vladimir Putin, but this is what the crazy ‘voice to text’ machine has come up with. Incidentally would it be such a mad idea just to broadcast the autocue, as all news is scripted and surely that would solve the persistent but humorous problems they have with it.
On matters Putin, doesn’t he have a point? It was a coup d’etat? There is now a Ukrainian government that’s unelected, so is that any better than a dictator using an army to take over a country? Well yes it probably is - but what they have they didn’t elect.
Kiev supposedly kicked off because they wanted stronger ties to Europe, they ousted Yanukovych who appeared to have had his hand in the till for quite some time or he was very adept at amassing fortunes. He appears to be yet another communist leader with an outrageously ostentatious palace. Vlad was concerned about the Russians who populate the east of the country, or so he says and I am sure that if GB were in the same situation there would be a lot of rattling of gunboats coming from Mr Cameron.

Maybe he really only wants Crimea for the Black Sea access but has told Yanukovych that he will sort the whole Ukrainian problem in exchange for all of his dodgy bank accounts? Either way it’s a bit odd to deny that the troops appearing in Ukraine are Russian. Let’s hope that he doesn’t try sending the tanks onwards to Kiev. That will end very badly. At least it doesn’t look like Mrs Tymoshenko (you know the previous opposition leader looks like something from Star Wars crossed with a Cornish pasty) will be making a return to front line politics in the country. Just pray no one gets trigger happy.

Talking of pasties, Mary Berry just annoys me. I am sure she is absolutely fine as a cook, baker and presenter but she just reminds me of Fanny Craddock.

The world becomes more and more surreal, a few years ago there was Johnny Rotten advertising butter, now John Cooper Clark is doing poems for McCains chips ads and the BBC is using Hawkind’s Silver Machine to promote a programme on space.

Ebay is a bit like TV and the Exchange and Mart used to be the equivalent of radio. Ok, you ask where is this going? It was a century or 2 ago when I was at school looking for interesting things to buy and sell in the pages of that illustrious inky paper and indeed my first commercial venture was to buy a gross of shampoo sachets and then sell them door to door. In those dark days you had to visualise what you were buying but now ebay gives you a picture of everything. I just checked to see if that Shampoo brand is still going. This is what I found:
As I recall there is/was a shampoo called Lenium that you could get from chemists that contains selenium sulphide - clears dandruff a treat but says not for regular use.
I don't know if it's still available it was good so it was probably found to cause deafness in mice who drank too much grapefruit juice on Tuesdays or something.
Are your daffs up?


Steve


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61specto

FRENCH TRUST LAW
As a financial adviser to the expatriate community, I am contacted by lots of people who have either already moved to France from another country, or are planning to do so. Amongst many things, people are seeking advice as to how best to structure their financial assets for tax-efficiency in France. Since most of the people I advise originate from Anglo-Saxon countries, it may be the case that they have an interest in a trust. As French residents, this will create difficulties for them, due to the French tax treatment of trusts.

In 2011, France introduced legislation, which defined the taxation rules and reporting requirements, concerning trusts with a French resident settlor and/or a French resident beneficiary. The law also concerns trusts with French situated assets, even if the settlor/beneficiaries are not living in France.

Basically, the law is aimed at the ‘family type of trust’ and generally excludes trusts falling outside of this area. For trusts that are affected, the law sets out how distributions from the trust are taxed, as well as the taxation of lifetime gifts and inheritance transfers either into or out of the trust.

The law aims for transparency, so that the real ‘owner’ of asset placed in a trust can be identified. This will either be the original settlor or where that person has died, the beneficiary is subsequently deemed to be the settlor.

Trustees are required to report the annual value of the trust assets and pay a levy, based on the highest percentage rate for wealth tax (ISF), which is currently 1.5%. However, the levy is not payable if the French taxpayer has already included the trust assets in their own ISF declaration. Even if the taxpayer is not liable to ISF (i.e. because their total wealth including the trust assets is less than the ISF entry level, which is currently €1.3 million), the trust asses must still be reported. Failure to report will result in a fine of 12.5% of the value of the total trust assets or if greater, €20,000.

A summary of the tax treatment of trusts can be found in the News Section of The Spectrum IFA Group website at http://www.spectrum-ifa.com/french-trust-law-2014/

Overall, trusts do not work well in France and an alternative structure is needed to achieve the same objectives. Therefore, seeking professional advice from someone who understands both the Anglo-Saxon systems and the French system is essential.

If you are affected by the French trust rules and would like to have a confidential discussion about your situation, please contact me or by e-mail at daphne.foulkes@spectrum-ifa.com or by telephone on 04 68 20 30 17.

The above outline is provided for information purposes only and does not constitute advice or a recommendation from The Spectrum IFA Group to take any particular action on the subject of investment of financial assets.
The Spectrum IFA Group advisers do not charge any fees directly to clients for their time or for advice given, as can be seen from our Client Charter at
http://www.spectrum-ifa.com/spectrum-if ... t-charter/.

Daphne Foulkes
SIRET 522 658 194 00017
Numéro d’immatriculation ORIAS 10 056 800












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evakoraad

f ithead3010

GIVE YOUR FEET A BREAK!
We’ve all heard that walking barefoot from time to time is good for our feet – but WHY should that be?
I’ve just read an interesting article by a Dr Rossi, a podiatrist from the 20th Century who states :
“It took four million years to develop our unique human foot and our consequent distinctive form of gait, a remarkable feat of bioengineering. Yet, in only a few thousand years, and with one carelessly designed instrument, our shoes, we have warped the pure anatomical form of human gait, obstructing its engineering efficiency, afflicting it with strains and stresses and denying it its natural grace of form and ease of movement head to foot. We have converted a beautiful thoroughbred into a plodding plough -horse.”

Dr Rossi cites many ways in which shoes prevent us from having a natural gait – such as not allowing the ball of the foot to work properly - as the sole of a shoe is usually too stiff to allow for natural movement.
Perhaps one of the most interesting arguments against shoes is that they prevent the sensory capabilities of our feet:
“The soles and tips of the toes contain over 200,000 nerve endings (!!!!), perhaps the densest concentration to be found anywhere of comparable size on the body. Our nerve-dense soles are our only tactile contact with the physical world around us. Without them we would lose equilibrium and become disoriented. Because the sole (of the foot) is so abundantly supplied with tactile sensory nerve endings, we use our feet to furnish the brain with considerable information about our immediate environment.”
However, when several layers of shoe bottom materials are packed between foot and ground, a certain amount of sensory blockage is inevitable, and our gait loses some of its natural energies and functional efficiency.
So, it would seem that our feet might appreciate it if we got into the habit of going barefoot for as much time as is possible - sensibly, this would be around the house(wear an old pair of socks when it’s cold!). Give some respite to those amazing things that we have at the end of our legs!
feetfit

Pat Penny - Health and Fitness Specialist, Massage Therapist
European Register of Exercise Professionals
inf@potential-energy.co.uk
www.potential-energy.co.uk


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jardin


The weather continues to be very mild so there is loads to do in the garden! It is time to start cutting back growth on summer flowering shrubs and sub shrubs. Plants such as summer flowering buddleia can be cut back to the base, sub shrubs such as Salvia microphylla and it's cultivars also respond best if cut hard back now and the same treatment can be given to plants such as Perovskia, Gaura etc Prune your roses, cut deciduous ornamental grasses back to the base. If possible shred as many of your pruings as you can so that they can be added to the compost heap or used as organic mulch. If in doubt aboput whether to cut something back or not remember that spring flowering plants flower on wood from the previous year and should be pruned after flowering and summer flowering plants flower on annual growth and are best pruned in early spring. If you are still in doubt then send me an email!

One plant that looks absolutely fabulous in the garden at the moment is Clematis armandii, the evergreen clematis from China, the scent is wonderful and it makes a wonderful cover for a trellis or over a wall. It can reach 4 or 5 metres high, will grow in sun or shade, tolerates limy soil very well and just asks from you a little extre water in summer and a reasonably decent soil.

Many of you will be aware that during our advertised opening hours we are not exactly swamped with visitors and more and more of our sales are for specific projects and orders .... so, we are going to restrict our regular opening times to one weekend a month but will still always be available at any time for you to come and visit the garden, talk plants (and maybe even buy one) by appointment - just email or phone to organise a time. Regular opening times for the next few months will be 7/8/9 March, 11/12/13 April, 9/10/11 May, 6/7/8 June, after that we will review how things have gone. In addition our annual open weekend will be Sat 31st May and Sun 1st June, put it in your diaries now!

At La Petite Pépinière we have a couple of places left on our Gardening with Mediterranean native plants course –Friday 4th April, 10 am to 4pm. If you are interested just email Gill@lapetitepepiniere.com for more info.


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.
--
La Petite Pépinière de Caunes
21, av de la Montagne Noire,
11160 Caunes-Minervois
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readers write

PIANO PLAYED WANTED
Hi, i am searching for a competent piano player to join a band.rock country blues. americana .
limoux area, rehearse nr couiza weekly thursdays. singing or backing would be a real bonus.
playing live in the spring summer. contact carl for more details . frenchgriffiths@hotmail.fr 0468741263
cheers carl



Steve, You can get some info about dish sizes in various places here https://maps.google.co.uk/maps/ms?msa=0 ... mbed&ll=48
.224673,3.339844&spn=13.174158,19.6875&z=4
My own experience (I live in 09600 Dun)is that a 120cm dish is marginal- the standard definition channels are there most of the time, but most of them disappear when it rains and at other random times. When the sky is clear I sometimes get the HD channels. I am upgrading to a 150cm dish.
From reading various forums, it appears that the signal from the Astra 2E and F satellites which now carry the UK terrestrial channels drops off sharply south of a line from Toulouse to just north of Montpellier. On that line a 1 metre dish appears to be fine, but on a line from Carcassonne –Belpech - Saverdun this goes up to 1.2 metres. When you get down to Limoux-Foix-St Girons it is 1.5M. Further south towards the Spanish border 1.8 metre dishes are probably required.
However, it is not always that simple. There are people living fairly close to each other who have very different experiences. I know 2 people who live within 5 Km of each other near Belpech (one of whom actually installs satellite dishes professionally) and they have similar results from 90cm and 120cm dishes (coverage disappears when it rains in both cases). The satellite-dish installer is the one with the bigger dish so we know it is set up correctly!
Best wishes,
Ross Worthington
ps another nice map
http://www.a516digital.com/2014/02/spec ... opean.html



Hi Steve, re your query re larger dishes for UK TV, for those who like me don’t have room anywhere in the garden for a new dish too big for the chimney, I have gone for a simple tiny internet box with full remote which connects one way to internet through cable or wifi, and the TV HD or SD plug at the other, and brings in all the usual UK channels crystal clear. If you want to improve your languages you also get a whole stack of Scandinavian and Russian channels as well, but a lot of those film and sport channels are in English with subtitles. The system has a catch-up service for 7 days and recording facilities and really works well at minimum cost. I am not technical but got the whole thing working in 10 minutes or so. Have a look at www.netdream.tv
Julian Doods



Those of British underpinnings who have always taken it for granted that our household policy covers personal items when they are not in the house are labouring under a misapprehension if we think that it is the same in France. My other half, as the years advance, has found the need for hearing aids (if you don't know what they cost I hope you never need to find out). I checked with my insurer and find that personal goods, watches, jewellery declared, specs etc are covered whilst they are IN THE HOUSE other than that forget it. I have spent a couple of days looking for suitable cover and received Gallic non interest, has anybody a solution?


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 8 mars 2014
Coursan vide grenier
Saverdun vide-Greniers
Dimanche 9 mars 2014
Carcassonne vide grenier brocante
Coursan - vide grenier
Leucate vide Grenier du Rugby
Narbonne brocante & collection
Pomas vide dressing
Pamiers Marché et puces et à la brocantes
Samedi 15 mars 2014

Alairac vide grenier du f.c.malepere

Coursan vide grenier
Narbonne vide grenier de st estauche



Saverdun vide-Greniers

Dimanche 16 mars 2014
Alairac vide grenier du f.c.malepere
Bram vide grenier des familles rurales
Capendu puces des couturières et des loisirs créatifs
Carcassonne vide grenier brocante
Coursan vide grenier
Narbonne brocante & collection
Narbonne vide grenier de st estauche
Saint-André-de-Roquelongue vide grenier brocante bourse au jouet
Pamiers Marché et puces et à la brocantes
Saint-Girons Les puces du champ de mars

What's On

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peter
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Re: Aude and Ariege flyer 2014

Postby peter » Wed Mar 19, 2014 10:36 pm

19 March 2014

Bonjour


Tsar Vlad the Annexer has done it then, he says the Ukrainians acted illegally ousting a democratically elected government and now he has masterminded a 3 week turnaround on a referendum for Crimea. The Winter Olympics and Paralympics are over and the Russian parliament are due to vote this week on allowing other territories to join the Federation. He says he has no plans for taking back any part of Ukraine, but he hasn't said he wouldn’t want to push for a referendum in the eastern part of the country.

Maybe he would prefer to have the east and then put gas prices up for the euro-favouring westies? I am sure he could encourage people with nice uniforms, including the statutory balaclava and shiny new kalashnikovs.

Watch out Georgia, when he has the flavour for this he may push harder!

So I happened to bump into a copy of the Daily Star earlier in the week where their headline says that the disappearance of MH370 is a carbon copy of a 1968 Tintin book storyline.

In the comic strip, called Flight 714, Tintin is aboard a jet in the Far East that is hijacked by the pilots and brought to a deserted volcanic island.
It makes a rough landing on a makeshift roll-out runway before gunmen surround the plane.

The article goes on to say that the families of some of the missing on the plane have heard ring tones on their loved ones mobiles when they are called rather than the call being picked up directly by voice mail.

Today some of the relatives are threatening to go on hunger strike because I suppose of the way the Malaysian Airlines have handled the situation.

Some days ago it was announced that other countries including France were being asked to check their satellite data, surely if that had been done by now they should have a position for the aircraft?

So it's not getting better for Francois Hollande, his ex-budget minister has now been dumped in it by his wife (she is divorcing him) claiming he has kept a couple of million in the Isle of Man to avoid some tax. Turns out to be 2.5€ million - not bad for a cosmetic surgeon.
Frank himself is rumoured to be doing some spring cleaning and Julie is on the way out? (Honestly, I thought she would have gone after the helmet photos - ooh, don’t laugh missus). Valerie is threatening to spill some beans having got a big book deal. And now he seems to be spending more time with Seggie? Perhaps they need to get things straight from an accounting point of view before the publication of that book.

The return from beyond? Madness have cancelled their appearance at the Festival of Carca. That to me sounds a bit odd, could it be that someone jumped a gun.......?

Don’t forget to put your clocks forward on the 29th.
Steve




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I had a call from a client last week that set me thinking. He told me about an elderly relative in the UK who is very unwell and has been taken into care. Her property has been sold, and a rather large sum of money is now to be administered under a Power of Attorney held by my client’s wife and his sister in law. These two ladies have been contacted by an adviser in the UK who is touting a 12% return on the money if they invest it through that firm.

My first response was amazement that this sort of thing still happens in the UK. Regulation there following well-documented excesses over the eighties and nineties has tightened so much that many people, advisers and clients alike, consider the new financial regime to be overly restrictive. Strange then that such a blatant malpractice as this still happens. My immediate advice was to ignore all further advances from this firm, and I passed on a suitable contact name that I know will treat them fairly and honestly.

I would have been less surprised to have heard of this kind of thing happening here in France. Regulation in France is strict, but it has not yet achieved the vice-like grip that the FCA supposedly has in the UK. There are some advisers preying on expatriates here in France who are less than scrupulous with their application of accepted standards.

I’m often asked during a first meeting with a client ’How much interest will I get?’ That question tells me a lot. Firstly, it really does tell me that they need my help and advice more than they probably realise. Interest is of course payable on a fixed term or callable deposit. An investment return is a measure of the amount of growth attained over a given period, usually measured annually. Unfortunately both answers come as percentages, and this can lead to confusion.

I don’t want to get bogged down in the whys and wherefores of assurance vie here; I’m going to assume that most, if not all of my readers, are fully signed up members of the assurance vie appreciation society (to which I hand out free membership to anyone who is interested). Fixed term interest rates are rare inside an assurance vie; we are much more concerned with return on assets in this tax efficient mechanism. So what is my answer to the question? Well for a start, it isn’t 12%. Or indeed any set rate at all. ‘How long is a piece of string?’ isn’t very appropriate either, unless it’s a very short piece of string.

The real answer is complicated. A quick and honest response would be ‘I don’t know’, but that is not very high up the potential business development ladder. What I nearly always say is ‘It depends’. The reason I say that is that it depends on two principal factors; your attitude to risk, which dictates the type of fund you will eventually invest in, and it depends ultimately on the market conditions and performance that your chosen investment meets and enjoys.


Thankfully, I have some very useful tools to help me in the next stage of the investment process. The first is common sense. Helping a client to assess their appetite for risk isn’t rocket science. I can use a long pre-prepared list of questions designed to reveal a client’s inner thoughts on this, or I can just sit down and talk to you about what your aspirations are. The two ends of the scale are ultra-conservative and ultra-aggressive. If you are a retired couple living on a small pension and a nest egg built of over years of hard work, you are likely to be conservative. If you are young, go-getting entrepreneurs, you are more likely to be aggressive, (but not always!). There is a very large playing field between these two extremes.

My second best friend in our journey to your investment is history. History is not bunkum, it is fact. Yes, I know that past performance is no guide or promise to future performance, but it is a very good guide to how a fund or fund manager has performed over a period where market conditions are a known quantity.

What I can, and do, say to clients such as the one I referred to earlier in the first meeting, might go along these lines. I never prejudge, but this client could turn out to be a conservative investor. I would explain to them that I do have access to a sterling denominated fund that is managed in a deliberately conservative style, and yet has managed to grow by over 36% in the four years to the end of 2013. Sterling invested in that fund increased in value every single day. This return does not take into account assurance vie charges, but when these are taken into account clients still cleared between 6.5% and 7.7% average per year over the period, depending on how long they had been invested for.

No, I can’t promise that the same will happen next year, and no, I’m not even going to forecast that it will. But I can tell you that I will be investing some of my money in it. This same assurance vie provider also has a Managed Growth Fund. Again in sterling, It has been around for a year longer than the Cautious Fund, and has grown by 68% in the five years to the end of 2013. I’ll be in that too. And we’re not talking about any obscure name here. No advertising allowed, but you have heard of this company. It has been at the pinnacle of the UK financial landscape for over 160 years. I’ve been talking about the sterling versions of these funds, but you can just as easily invest in Euro, and the results are strikingly similar (30% and 58%).

To finish, I’d just like to clarify an issue that has been bothering one of my clients in one of my recent articles, wherein I classified different types of assurance vie. I listed French; Expat, Legacy, and No Way assurances vie, and I described the domestic French AV as ‘very dull, very boring, and very low return’. I am perfectly happy to clarify here that I was in fact referring to a principal component of the French assurance vie, namely ‘Fonds en Euros’. To tar the whole genre with the same brush is perhaps unfair. Yes, you can add exciting and volatile investments to a French assurance vie. It doesn’t make me a fan though.

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

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/spectrum-if ... t-charter/














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Tech talk



myfitpal



Can your computer help you loose weight?

I sit in front of a computer all day every day, when I’m not in front of the computer I’m driving or sleeping, not a very good lifestyle and not the one I came to France for.
So a few months before the New Year resolutions start I decided to try and lose a bit of weight and do a bit more exercise. I’m not very good with this sort of thing, I get distracted and what is supposed to be an hour on the computer can easily turn into many hours. I love food both cooking it and eating it and with the combination of sitting around and eating too much my weight has slowly increased over the years.
So I thought about how I could get the computer to help, I asked around a few people and my sister came up with something that had worked very well for her. It’s called My Fitness pal, it has a web site and an App (for iPhone, iPad, Android, Windows phone) and it helps you keep track of your daily intake of food and exercise. (It works on any computer)
Once you have signed up you add to your diary each day for Breakfast, Lunch, Dinner and Snacks, its able to search a huge database of foods to give you accurate nutritional information without any hard work. You simple enter each of the meals or food you have eaten, how much of each type of exercise you’ve done and it tracks and shows how you’ve done each day.
I’ve been using it for 3 weeks and have lost over 3kg (6.6 pounds or ½ stone) just by being a little bit more aware of what I’m eating and by walking the dog a few extra minutes each day.
It made me look much more carefully at what I am eating, a large Sunday roast is very nice but accounts for nearly a whole days calorie count in one meal, but a hours walk with the dog makes up for the bowl of soup at lunch time, or the two biscuits with that cup of tea.
Seeing it on the screen really brings it home, getting a red result at the end of the day somehow feels much worse than simply knowing I should not have had the second helping and by doing it each and every day it helps to keep you focused on looking after yourself.
Give it a go – its working for me and it might help you too.
www.myfitnesspal.com
Its 100% free and very easy to use, you can even link up with friends or share your results if you’re brave (I’m not)???
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.



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Now is the time to finish cutting back growth on summer flowering shrubs and sub shrubs such as Salvia microphylla and it's cultivars, Perovskia, Gaura, Caryopteris, etc Foliage on perennials can also be tidied up but be careful to avoid damaging young growth. It is also a good time to divide hardy perennials and grasses. With the warm weather make sure that any recently planted or transplanted items are kept watered.

With all the mild weather there is lots coming into flower. Repeat flowering plants are always particularly welcome in the garden and one of the best is Rosa chineensis sanguinea; this is a species rose (and thus displays good resistance to disease) that will grow to about 1,20 to 1,50 metres high with a similar spread, it has deep red single flowers about 6cm across and flowers on and off throughout the year - peiods of flowering alternating with periods of rest. It tolerates limy soil, like sun or half shade and needs some supplementary watering during the summer. The form Rosa chinensis mutabilis is similar but the flowers open an orangey yellow and fade through coppery pink to deep pink.










Many of you will be aware that during our advertised opening hours we are not exactly swamped
with visitors and more and more of our sales are for specific projects and orders .... so, we are going to restrict our regular opening times to one weekend a month but will still always be available at any time for you to come and visit the garden, talk plants by appointment - just email or phone to organise a time. Regular opening times for the next few months will be 7/8/9 March, 11/12/13 April, 9/10/11 May, 6/7/8 June, after that we will review how things have gone. In addition our annual open weekend will be Sat 31st May and Sun 1st June, put it in your diaries now!


At La Petite Pépinière we have a couple of places left on our Gardening with Mediterranean native plants course –Friday 4th April, 10 am to 4pm. If you are interested just email Gill@lapetitepepiniere.com for more info.


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.
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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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readers write


Dear Steve,
Re the readers enquiry below which I could not see how to respond to -
Those of British underpinnings who have always taken it for granted that our household policy covers personal items when they are not in the house are labouring under a misapprehension if we think that it is the same in France. My other half, as the years advance, has found the need for hearing aids (if you don't know what they cost I hope you never need to find out). I checked with my insurer and find that personal goods, watches, jewellery declared, specs etc. are covered whilst they are IN THE HOUSE other than that forget it. I have spent a couple of days looking for suitable cover and received Gallic non interest, has anybody a solution?
She could look at www.insuremyvilla.com which covers French property and is underwritten at Lloyd’s of London. They can cover personal possessions worldwide as an option and I am pretty sure hearing aids can be covered
Kind regards
Paul O'Sullivan






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 22 mars 2014
Coursan vide grenier
Narbonne vide grenier de st estauche
Saverdun vide-Greniers
Dimanche 23 mars 2014
Capendu vide dressing "arc-en-ciel" au grand foyer
Carcassonne VIDE GRENIER BROCANTE
Carcassonne vide grenier brocante
Coursan vide grenier
Narbonne vide grenier de st estauche
Narbonne brocante & collection
Pexiora bourse aux vêtements et puériculture
Quillan .English Library's Car Boot Sale at the Carrefour's Car Park
Saint-Pierre-la-Mer vide greniers
Pamiers Marché et puces et à la brocantes
Samedi 29 mars 2014
Coursan vide grenier
Narbonne vide grenier de st estauche
Saverdun vide-Greniers

Dimanche 30 mars 2014
Carcassonne vide grenier brocante
Carcassonne VIDE GRENIER BROCANTE
Coursan vide grenier
Narbonne brocante & collection
Narbonne vide grenier de st estauche
Sigean vide greniers
Pamiers Marché et puces et à la brocantes
Vendredi 4 avril 2014
Varilhes BOURSE AUX VELOS, AUX LIVRES, DVD, MULTIMEDIA
Samedi 5 avril 2014
Coursan - vide-greniers
Narbonne - vide-greniers
Pieusse - bourse aux vêtements
Port Leucate vide-greniers
Saverdun vide-Greniers
Varilhes BOURSE AUX VELOS, AUX LIVRES, DVD, MULTIMEDIA

What's On

CIRQUE DU SOLEIL, QUIDAM 5 TO 9 March Zenith Toulouse
JOHN MAYALL 8 March Bikini Toulouse
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METRONOMY 25 April Zenith Toulouse
JELLO BIAFRA & THE GSM 29 April Bikini Toulouse
ARTISTES A SUIVRE 29 May to June 6, Haute Vallee


NINE INCH NAILS 1 June Zenith Toulouse
EELS 11th July Bikini Toulouse
ELTON JOHN 15 July Carcassonne Festival
LANA DEL REY 17 July Carcassonne Festival
JOE SATRIANI + CHICAGO 19 July Carcassonne Festival
FRANZ FERDINAND 20 July Carcassonne Festival
MASSIVE ATTACK 24 July Carcassonne Festival
THE JACKSONS 25 July Carcassonne Festival
VANESSA PARADIS 28 July Carcassonne Festival
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Re: Aude and Ariege flyer 2014

Postby peter » Fri Apr 04, 2014 8:14 am

2 April 2014

Bonjour

Have you heard Kingfisher who own B&Q and Screwfix in the UK have acquired a 68% stake in MrBricolage. As they already own Castorama and Brico Depot in France the deal will have to be aproved. Sir Ian Cheshire, chief executive, has said that, if approved, the deal would "add a third, complementary strong business alongside Kingfisher's existing two successful brands in France."
What do you think MrBricolage could do better? send your thoughts and those of your friends and i will forward on to CEO Sir Ian and lets see if he likes any of them.


Yes, it is a bit of a worry that an aircraft can disappear, I wonder who is paying for all of the search missions? The individual countries? Malaysian Airline's insurance policy? As planes fly across the ocean maybe they need to put camera feeds out on the internet and people who are bored could sign up to check for debris. Imagine they find something, then there will be a few years of research into currents to work out where it actually crashed. Or did it land somewhere....?

So a Spanish-born Prime Minister and Mayor of Paris, is that just coincidental? Anne Hidalgo now Mrs Mayor of Paris beat Nathalie Kosciusko-Morizet aka NKM who is a jolly well-connected lady, even her brother is one of the founders of Priceminister.com and apparently she is related to Lucrezia Borgia. With her political family having Polish roots it would appear French politics is heading in the same direction as the British premier league with its lack of home grown players.



It could just be the internet and the fact now that lots of previously remote and unconnected villages have ADSL, but when I arrived in France in July 2001 the communications landscape was completely different.
There were lots of Brits in the region, living completely different lives from those they had known in the UK, myself included. It was quite a culture-shock moving from inner city London to a small French village and I guess my need to network led me to the idea of the Aude Flyer. It began in 200? as a short email listing some of the events I had found were happening in the area that people who had newly arrived might not be aware of. I met people, not via the internet but by hearing an English accent and chatting to people in the old fashioned way at a supermarket check-out, the airport or a car-park.
Many villages now have a small groups of foreigners and these in one way or another, have helped make shifts in a society that previously had little communication with people from other villages, let alone from another country. People have come together with like-minded people and more importantly with local people, ideas have been shared, and in a small some way the cultural and social landscape of rural France has changed. There are now British people who have become part of the local councils as mayors or team members.
Obviously I’m not saying this is all a result of the Aude and Ariege Flyer (whose database is almost 3500 people) but being a founding part of the networks of flyers, emails, posters and events that get communicated amongst the British community in France, we must have made a difference.



You can understand the power of the Flyer when you consider that it is six months younger than Facebook, the first Flyer was sent out on the 6th of October 2004 and Facebook was started on the 4th of February the same year, clearly I have a bit to catch up in the next few months.


Elections are clearly the subject that has been the major talking point, here is a contribution from a valued reader.
See you at Toques?
Steve


The elections in the small French villages have been and gone. The ‘vague bleu’ has spread over the rest of the country and the ‘vague marine’ is set to make an impact yet again. The elections in the towns where there is a political bent, I think I understand, but those in villages (like mine – not Routier by the way) where there is no opposition, they don’t seem exactly democratic. I may be wrong, I’m new here.
The mayoral candidate chooses a team of people who will work as his or her council. The names of the people on that team become ‘la liste’ and this is the people for whom you vote on polling day. You cross out the names of the people who you do not want to vote for. You can vote or not for as many of the list as you like. The person who would be mayor has an ‘understanding’ or perhaps a gentleman’s agreement with the rest of the team that they will vote for him when the time comes. Interestingly here, third from the bottom in the popularity poll, was the person who would be mayor.
Six days later the team votes and ta da! the person who put the list together, one of the least popular people on the list, becomes mayor. How is that democracy? None of the villagers actually get to vote for the mayor!
I have no idea of his politics as apparently in small villages with a low population count that isn’t relevant especially when you vote for just one team anyway. So imagine my surprise this morning when the mayor’s wife told me she had put a note in my post box about Le Pen. I did a bit of a double-take, thinking ‘Oh now, I know what his politics are’, and said ‘What Le Pen the politician?’ and she looked at my oddly, spread her hands apart and said ‘no the bread’. I haven’t laughed so much in ages. Accents eh?




I am sure you will be happy to know that the gentleman who had disapeared did turn up in the UK safe and sound.

Lets hope the rain keeps away for Toques et Clochers and just in case you werent aware there is a new route from Beziers to Bremen starting next week, yes its cuddly Ryanair.
Steve


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Proposed UK Pension Changes




The UK Budget for 2014 took the financial services industry by surprise. As details of the proposals were unveiled, it became obvious that we were hearing some of the best kept secrets (for a long time) of a government’s plans. Banking secrecy may be dead, but the UK government had managed to build a wall of secrecy around itself before the budget was made public.

So after “A-Day Pensions Simplification” in 2006, now we have another major reform proposed for “Freedom and Choice in Pensions”. I have seen a few reforms during my working life and as I get closer to pension age myself, I am thinking that this might be the last time that I have to get to grips with yet another. But who am I fooling except myself. Pensions is a political football that the politicians will kick around and of course, keep moving the goalposts.

The full version of this article can be found on our website at http://www.spectrum-ifa.com/proposed-uk ... n-changes/ and without getting into too much of the technical detail, the bottom line of the reform is that people will have more choice about how and when they can take their benefits from certain types of pension funds. For those funds that qualify, from April 2015, people over the age 55 will be able to take all of the pension pot as a cash sum and there are transitional arrangements in place between now and then. The minimum age at which you can take benefits will progressively change from age 55 to 57 by 2028 and then be linked to future State Pension Age increases.

Generally, the UK pension reform is a welcome improvement, which will provide flexibility that will allow people to make their own according to their own individual circumstances. For those wishing to make the transition from full employment to full retirement over a number of years - which has become more important due to the increase in the State Pension Age - the reforms will be of enormous benefit.

Now before you all rush out and cash in those pension pots, a certain amount of caution is needed. It would be disastrous to cash in all your private pensions now, spend all the money and then find that you have to live on just your State pension for the rest of your life. As with all big financial decisions, it is very important to get advice. Whether you chose to take that advice or not is up to you. For some people it will be the right thing to do, but for others, it will definitely not be.


What does it mean for French residents?

Under the terms of the Double Taxation Treaty (DTT) between the UK and France, pensions of the type that we are discussing here (let’s call them Money Purchase Plans, or MPP for short) are liable for French income tax and not UK tax, when paid to the French resident. Therefore, providing that person has been granted relief from UK income tax - after making application under the terms of the DTT - in theory, they should be able to receive their MPP pension pot without the deduction of UK tax. There may be some practical difficulties that prevent the UK pension scheme from actually paying the amount to you without a tax deduction and if so, you would need to claim the UK tax back from HMRC.

In France, there will be a tax liability and depending upon your situation, there is the possibility that this could be at advantageous rate, compared to receiving regular payments of pension income from the MPP fund. However, if you were to cash in the MPP funds, the monies would then be within your estate for French inheritance purposes, unless sheltered within assurance vie. The monies would also count within your assets for wealth tax purposes.

Even so, there may be cases where it is appropriate to take the MPP benefits in cash, for example, if the MPP fund is too small for lifetime annuity purchase or drawdown through a Self-Invested Pension Plan (SIPP) or a Qualifying Recognised Overseas Pension Scheme (QROPS). However, every case will be different and must be looked at on its own merits.

On a final point, there are already tax rules in place in the UK regarding non-residents and ‘flexible drawdown’. The proposed reform is, in effect, ‘flexible drawdown without the Minimum Income Requirement’ (at least from 2015) and so it is reasonable to assume that at least the same tax rules will apply. If so, this could have implications - either when taking the payment or when returning to the UK - if you have not had a sufficient period of UK non-residence. Again, it would be wise to seek advice before making an expensive mistake.


Client Seminars

We are now taking bookings for our Spring Client Seminars – Le Tour de Finance. There is no charge for any of our seminars and the speakers’ presentations are followed by a buffet lunch/refreshments.

The dates for the local events are:

21st May - Hotel La Villa Duflot, 66000 Perpignan
21st May - Hotel Abbaye École de Sorèze, 81540 Sorèze
22nd May - Côté Mas, 34530 Montagnac
23rd May – Montpellier Massane Golf & Spa Hotel, 34670 Baillargues

All events take place from 10.30 am to 2.00 pm with the exception of Sorèze, which takes place from 6.00 pm to 9.00 pm, with registration and coffee from 10.00 am / 5.30 pm. The seminars are always very popular and so early booking is recommended.


If you are affected by the UK pension reform and would like to have a confidential discussion about this, or you would like to attend one of the seminars, please contact me or by e-mail at daphne.foulkes@spectrum-ifa.com or by telephone on 04 68 20 30 17.

The above outline is provided for information purposes only and does not constitute advice or a recommendation from The Spectrum IFA Group to take any particular action on the subject of investment of financial assets or the mitigation of taxes.

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

http://www.spectrum-ifa.com/spectrum-if ... t-charter/.
Daphne Foulkes
SIRET 522 658 194 00017
Numéro d’immatriculation ORIAS 10 056 800





f ithead3010

MELT THE FUZZ!

If you feel like this in the mornings (and the evenings and any time in between!), you could be ‘fuzzed up'.


WHAT IS IT? WHAT CAN YOU DO ABOUT IT?
READ ON!
fit2414


The ‘FUZZ’ is a term coined by anatomist Gil Hedley in order to explain the role of fascia in our bodies – it’s more fun and a lot easier to understand than boring old textbooks!

Fuzz is found between layers of tissue in the body wherever there is potential for movement (pretty much everywhere) and coats the white shiny sliding surfaces of your musculature.

Each night when you go to sleep, the interfaces between your muscles grow fuzz – so that stiff feeling you get when you get out of bed in the mornings is literally the solidifying of your tissues.
When you wake up and stretch, the movement causes the fuzz to ‘melt’ (really more to hydrate and liquefy thereby becoming smooth and unrestricted.).

If you get a slight injury (your shoulder for example), due to the pain that often accompanies this, you become ‘afraid’ to move your shoulder. You go to bed, the fuzz gets laid down as normal – but the next day you still don’t feel like moving your shoulder, so the fuzz doesn’t get broken down as normal.
One nights fuzz becomes two, becomes a week, a month and now the fuzz fibres start intertwining and all of a sudden you have thicker fibres formed – your shoulder is now restricted in it’s movement (possibly causing pain elsewhere now as your body tries to adapt).
This can also happen with ageing and the fuzz can cause tissues to cry out for restoration of fluidity.

So, what can you do about it?
MOVE !!!

Make yourself an ‘active person’. This doesn’t mean ‘exercise’, it just means putting your body through ranges of motion that it was designed for. For example, we don’t do much on a daily basis that calls for us to put our arms above our heads (an important movement for the health of the shoulder joint) – so, whilst waiting for that kettle to boil, just gently windmill your arms a few times, it takes seconds. Imagine the fuzz breaking down as you do it!
GET MASSAGES

Massage introduces movement manually in order to release tissues that have become ‘fuzzed over’ (through lack of movement whether due to injury or age).
It also breaks the cycle of fuzz build - up that can result in restricted movement.
Far from being a ‘pampering luxury’, this type of massage is a vital tool in your wellness, pain management and health maintenance.

SO….DON’T GIVE IN TO AGE – MELT THAT FUZZ!!!!

Adapted from a transcript from Gil Hedley’s ‘THE FUZZ SPEECH’ – To see the speech in full (5 mins), Google Gil Hedley Fuzz Speech to see this on You Tube, it’s fun to watch!


Pat Penny - Health and Fitness Specialist / Massage Therapist
info@potential-energy.co.uk








Want to advertise but cant do the artwork?
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Tech talk

riptechtalk


Windows XP – RIP 2001 to 2013 - 3 reasons you must upgrade now.


Why do you really need to change from Windows XP to Windows 7 or 8.

XP was great, and many users still love the operating system, but it’s more than a decade old. At the rate technology evolves, that makes Windows XP a near-relic. Although it may still appear to work fine, the mantra of “if it isn’t broken, don’t fix it” doesn’t really apply to Windows XP. It’s broken in many ways, and when Microsoft officially stops supporting it next April, it really will be broken.

All users of XP will now be getting messages from Microsoft appearing on their screen telling them that support will finish next month. You should NOT ignore these warnings!

If you still need convincing, these three reasons should do the trick.

1. Productivity

Windows XP seems productive enough, it runs the applications you need, it checks email, it surfs the Web. But when you take a closer look though, the newer versions of Windows have features that help you work more efficiently.

The Aero Snap feature makes moving and organizing windows simple, it makes maximizing, minimizing, and organizing windows as simple as dragging them to the edge of the display. You can drag up to maximize, drag down to minimize, and drag to the left or right to snap the window to the respective half of the display.

Windows 8 has another feature that can save you even more time. File History is similar to the Time Machine backup function in Mac OS X. It scans your files every hour and stores copies of the incremental changes over time backup everything up automatically.

Another timesaver in Windows 8 is Automatic Maintenance. Managing the little things that keep your PC tuned and optimized—like defragmenting your storage, antimalware scans, updating the operating system, and performing diagnostic tests, automatically while you sleep.

2. New technology

Using an operating system that’s more than a decade old can also paint you into a corner when it comes to the peripherals and devices you can use with it. As new technologies are developed, they’re generally engineered with the latest operating systems in mind, and unlikely to be supported on Windows XP.

USB 3.0 is a prime example. Most USB 3.0 devices will still work with Windows XP because they’re backward-compatible. However, they will fall back to USB 2.0 and transfer data at about one-tenth of the speed of USB 3.0. Even USB 3.0 is getting long in the tooth and will be replaced by USB 3.1 next year a technology that Windows XP will not be able to take advantage of.

After April whether you’re looking at wireless printers, Bluetooth keyboards, or 4K monitors, it will be challenging if not impossible to find drivers and support to make new technologies work with Windows XP.

3. Security

This is the big one. Windows XP is inherently insecure, and when Microsoft stops supporting the venerable OS in April, your PC will be virtually defenceless.

Just last week, Microsoft released a security advisory warning users about a zero-day vulnerability in Windows XP. The flaw is reportedly being actively exploited in the wild, but it doesn’t affect the newer versions of Windows.

Security experts believe that cybercriminals may already be hoarding Windows XP flaws, waiting hungrily for the expiration of Microsoft support. At that point, there will be no more Patch Tuesday security bulletins, and no patches or updates from Microsoft to address critical security concerns in Windows XP. It will be open season for the hackers.

Windows XP SP3 has a malware infection rate nearly three times that of Windows 7, and a whopping 12 times greater than Windows 8. Windows XP systems are more likely to be compromised than ones running newer versions of Windows, the effects of the compromise are typically more insidious, and eradicating the threat and resolving a malware incident might well be impossible after April.

It was great fun, but...

Windows XP was a really great operating system. It was arguably the single best version in the history of the operating system. Windows 7 is a worthy successor to the Windows XP legacy, though, and Windows 8.1 is a good operating system as well (if you can get past the awful new interface). Also, by clinging to Windows XP, you’re missing out on new features and technologies that could help you work more efficiently and simplify your life. Even if that doesn’t sway you, though, the reality is that Windows XP is going to be a security nightmare when support ends, and continuing to use it will be impractical—if not impossible.

If you are not ready to change your computer but want to replace XP then it might be worth considering Ubuntu or Mint Linux. Both these systems offer an easy replacement to Windows XP and have everything a basic users needs, Internet, Email, Word processor etc. They are not Windows compatible and will not run Windows software but they are perfectly usable and run very well on older less powerful computers.

If your computer is still running Windows XP then there is a very good chance its more than 8 years old, you cannot upgrade such an old computer to run Windows 7 or 8, even a computer that is 4 years old will struggle without having more RAM and maybe a larger hard drive fitted. In most cases it does not make economical sense to upgrade an old computer, 100 euros for the Windows license, 30 to 60 euros for the extra RAM and then the labour to completely reinstall the OS and all the software (around 3 to 4 hours), you are at least a two thirds the way towards the costs of a new computer.

Windows XP – 2001
Windows Vista – 2007
Windows 7 – 2009
Windows 8 – 2013

Please do not confuse Microsoft Windows and Microsoft Office they are two completely different products and not related to each other. Many computers did come with Office installed as an added extra, although Microsoft have discontinued older versions of Office (2000, Office XP and 2003) there is no risk in running Office 2003, 2007, 2010 or 2013. Some older version will not run under Windows 8 (office 2010 and 2013 are the only one’s recommended.)

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.
Bruce Taylor.



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Aude Flyer sept 2013
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jardin


Some spring flowering shrubs will have finished flowering by now and immediately after flowering is the time to prune them, the new growth that they make this year will be the shoots that bear next spring's flowers. Many people like to cut back foliage on daffodils and other spring bulbs once they have flowered for a more tidy appearance; but remember that the foliage is regenerating the bulbs so leave it intact for at least six or seven weeks. One garden pest that is starting to be around at the m
oment is the lily beetle - a red beetle about 5/6mm in length that can destry all the foliage on your lily plants unless you act quickly; if you spot lily beetle use an appropriate insecticide.


Many of us think of buddleias as being summer flowering shrubs but there are a number of buddleia species which flower in the spring. One of the best is Buddleia officinalis which is in flower at the moment. It is an evergreen or semi evergreen shrub that can grow to about 2m or more high with a spread of about 1,5m and has lovely, scented pink flowers which, like most buddleias, are a magnet for butterflies and other insects. It likes full sun.

Many of you will be aware that during our advertised opening hours we are not exactly swamped with visitors and more and more of our sales are for specific projects and orders .... so, we are going to restrict our regular opening times to one weekend a month but will still always be available at any time for you to come and visit the garden, talk plants by appointment - just email or phone to organise a time. Regular opening times for the next few months will be 11/12/13 April, 9/10/11 May, 6/7/8 June, after that we will review how things have gone. In addition our annual open weekend will be Sat 31st May and Sun 1st June, put it in your diaries now! Remember too that we are always happy to organise guided visits of the garden here for groups.


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.
--
La Petite Pépinière de Caunes
21, av de la Montagne Noire,
11160 Caunes-Minervois
04 68 78 43 81







rahyear

The Property Page



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Razes circulade village


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

Bordebasse du Lac - Cottage available for long term rental

Detached modern house
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Holiday Apartment AiguaBlava,
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readers write



Bonjour Steve,
On a recent trip back to our UK house we decided to fly out to Italy for a holiday so looked for some travel insurance. This is not easy as it would appear that the UK insurance companies will not insure non-residents but there are internet companies who will providing you are not falling to pieces medically. One point that arose from this is a discussion between my wife and I about whether we should actually be insured to travel back to England from France, something we have never bothered with since becoming French residents. Part of this discussion centred around the question of repatriation. If one of us died while in England the surviving partner and family wouldn’t necessarily want the body taken back to France so where do we stand on that? Can a body of a non-resident be buried in a foreign country or are we forced to be sent back to France? Maybe some of your readers have had the same discussion and know the answer to this question?
Regards
Terry Huson



Please reply to this via mail@audeflyer.com


Salut Steve.

Thought you might like an update from La Palme, Aude. 6 new 1.20m dishes have been installed in this area and 4 are working beautifully, all channels back in, including 5 and 5USA. Of the other two,one is getting a different LNB than the one installed as the reception tends to drift and the last needs the very old cabling replaced but that had been anticipated.
Go easy.
Nicola

Dear Aude & Ariege Flyer. On Saturday 19th April I and my friend Alison are giving a concert of 60's pop & rock at Bar de Minervois, Siran from 8 pm to 11 pm. I wondered if you could mention it in your What's On section. - Thank you - Ken Goatham



Hi Steve,
hope all is well with you. could you tell me where we mortals that have lost our UK fix of tv, where we can get 1mtere and or bigger dishes please
Kind regards
Julian


Hi Steve,
Madness were quoted on local radio as saying there had never been a deal done to play at Carcassonne in the first place. I think it's on their website.
cheers, Ed





Steve - You might find this entertaining. I pay my taxes on-line, very promptly. This is what happens.

I didn't receive my 2014 notice of assessment for Taxe d'Habitation. I was fined for non-payment and got a refund of the fine when I complained. Now I find a debit on my bank account of x,xxx euros with a reference that includes DRFIP ALSACE ET DU BAS-RHIN and rows of meaningless numbers. I have never heard of them and I have no idea what it is for but go online to see if it is this year's first instalment of Impôt sur le Revenu. Nothing listed. So I write to my bank, online. No reply. So I ring my bank. The nice young lady says I may not have got a reply because the person who replies is on holiday (this is internet banking, HSBC Paris!!). She suggests I ring DRFIP in Alsace, but would see if she could find anything meanwhile. I go online and find DRFIP Alsace and their email address so I send them an email. They reply within minutes (mine must have been one of their first emails) - "La direction des finances publiques du Bas Rhin gère les mouvements bancaires liés aux contrats de prélèvements des impôts (impôt sur le revenu et impôts locaux) pour les 3/4 du territoire français". It would have been nice if they had told us. I then go online today to look again at my impôts and it is a new website and it shows everything, including another assessment that I did not receive. The assessment AVIS D'ACCOMPTE 2014 gives the amount, x,xxx euros and the latest payment date as 17th Feb. Good job I had set up automatic payments. Pity they can't get round to making their systems work.

Chris Sweeten



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

Vendredi 4 avril 2014
Varilhes BOURSE AUX VELOS, AUX LIVRES, DVD, MULTIMEDIA
Samedi 5 avril 2014
Conques-sur-Orbiel
Coursan
Narbonne
Pieusse
Port Leucate
Mazères bourse de printemps
Saverdun vide-Greniers
Varilhes BOURSE AUX VELOS, AUX LIVRES, DVD, MULTIMEDIA
Dimanche 6 avril 2014
Arzens
Bram
Canet
Carcassonne
Carcassonne
Conques-sur-Orbiel
Coursan
Cuxac-d'Aude
Fanjeaux
Fontiès-d'Aude
Homps
Lézignan-Corbières
Limoux
Mirepeisset
Montréal
Narbonne
Narbonne-Plage
Pennautier
Rieux-Minervois
Rustiques
Saint-Couat-d'Aude vide Dressing
Saint-Pierre-la-Mer Vide grenier association "les chats errants"
Villegailhenc vide-Grenier des Ecoles
Vinassan vide greniers
Cadarcet Vide grenier de Cadarcet
Mazères vide grenier mensuel
Mazères bourse de printemps
Mirepoix vide grenier organisé par le C LUB DE FOOTBALL
Pamiers Marché et puces et à la brocantes
Saint-Jean-de-Verges VIDE GRENIERS
Saint-Lizier marché aux Puces, de la cave au grenier
Saverdun bourse aux vêtements et matériel de puericulture
Varilhes BOURSE AUX VELOS, AUX LIVRES, DVD, MULTIMEDIA





Samedi 12 avril 2014
Coursan vide grenier
Lézignan-Corbières VIDE GRENIER DE L'INSTITUT L'AMANDIER
Narbonne vide grenier de st estauche
Trèbes Vide-grenier-Bourse à l'enfance de l'Ecole des Floralies
Montgailhard Vide dressing
Saverdun vide-Greniers
Dimanche 13 avril 2014
Alairac VIDE GRENIER DE L'ECOLE D'ALAIRAC
Armissan vide grenier du Comité des Fêtes
Bouilhon VIDE GRENIER BROCANTE
Cenne-Monestiès Grand déballage de printemps organisé par l'assoc. Ste Marie
Coursan vide grenier
Fleury d'aude vide greniers
Gruissan VIDE GRENIER
Leucate vide Grenier du Rugby
Montréal vide Grenier des Ecoles de Montréal
Narbonne vide grenier de st estauche
Narbonne brocante & collection
Rieux-Minervois bourse de l'arme ancienne et antiquites militaires
Souilhe VIDE GRENIER DES MAINS VERTES Ecole de souilhe
Trausse-Minervois vide grenier - bourse aux vetements
Villeneuve-Minervois vide-grenier / vide-jardin de l'école
Foix Vide-grenier AMBCL
Montgailhard Vide poussette
Pamiers Marché et puces et à la brocantes




What's On

TOQUES ET CLOCHERS 12/13 April Toureilles
HOLIDAY ON ICE 21 to 23 March Zenith Toulouse
METRONOMY 25 April Zenith Toulouse
JELLO BIAFRA & THE GSM 29 April Bikini Toulouse
ARTISTES A SUIVRE 29 May to June 6, Haute Vallee
NINE INCH NAILS 1 June Zenith Toulouse
INDOCHINE, VANESSA PARADIS , BLONDIE, THE SELECTER 7 July Argeles sur mer
SEASICK STEVE, UB 40 8 July Argeles sur mer
KEZIAH JONES, PHOENIX, LILY ALLEN 9 July Argeles sur mer

EELS 11th July Bikini Toulouse
ELTON JOHN 15 July Carcassonne Festival
LANA DEL REY 17 July Carcassonne Festival
JOE SATRIANI + CHICAGO 19 July Carcassonne Festival
FRANZ FERDINAND 20 July Carcassonne Festival
MASSIVE ATTACK 24 July Carcassonne Festival
THE JACKSONS 25 July Carcassonne Festival
VANESSA PARADIS 28 July Carcassonne Festival
JAMES BLUNT 30 July Carcassonne Festival
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peter
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Site Admin
 
Posts: 4299
Joined: Sun Feb 12, 2006 3:41 pm
Location: Languedoc, France

Re: Aude and Ariege flyer 2014

Postby peter » Wed Apr 16, 2014 9:23 pm

Bonjour
It’s that time of year to have a clear out and spring clean - in the last Flyer there was a free vent hood which went immediately, so if you want to recycle it send a photo and text and you can give it away for free. It’s got to be better than landfill.

So it appears that Francois Hollande will be spending more time with his ex-family by staying in his job and some would say that it was wreckless making Segolene Royal environment minister. Apparently Miss Trierweiller wouldn’t let him do that before so perhaps the actress was just the fulcrum to remove Valerie so that he could build his cabinet as he wished.

And Silvio Berlusconi has been given a community service task as replacement for his prison sentence (because he’s too old). He is going to be helping out for a few hours a day in an old peoples’ home. How different can that be than his previous career? He is also under a curfew - he can go to his house in Rome during the week but has to be home by 11pm on Thursday evening. It all seems pretty complicated to me and will require several people to keep an eye on him. Surely if you are too old for prison you are too old for politics by my reckoning? And this sentence doesn’t seem to be in any way severe enough for his crime....

Patrick Drahi has managed to get his feet under the table in the deal to be worked out to buy SFR from Vivendi and at 11.75 billion euros that seems quite low for the Number 2 telecoms provider in France. And here’s some background on the French Richard Branson who bought it... according to the story Drahi flies his children in from Lausanne, Tel Aviv and Bristol every Friday for dinner. Now that's one rich and observant Jew.

Tesco's clearly are starting to fail as they have one to many letters in their name, Aldi Lidl and Asda are on the way up and Morrisons are definitely finding it hard, its just a case of too many letters i am sure. I wish Waitrose good luck too, whilst flipping the other day I stopped on Neighbours yes the ozzie soap and noticed that the litttle town square poster wall had an "Aldi now open" poster, i convinced myself it would be just clever marketeers sliding the poster into vision on a deal for the UK market, but no, the chain are already open at a dozen locations down under, that must be a supply chain logistics delight for someone.

Happy Easter

Steve


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


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61specto

Since my last article we’ve enjoyed absorbing the somewhat spectacular aftermath of the UK budget. Spectacular that is if you’re into pensions and all that stuff. I am, and I’m absolutely fascinated by what is going on at the moment in the world of pensions. Daphne is the technical expert on all of this of course , with many qualifications and huge experience in the field, and she gave us all the technical low down in her last article. I’d just like to add my thoughts on why this might be happening.

I do find it somewhat odd that George Osborne seems to have sent a clear message to HMR&C to prepare full a full blown retreat and reversal of the policies that they have pursued avidly over the past eight years. In case you are not aware, April 2006 was ‘A’ Day, when the whole pension industry was overhauled, and QROPS, already born, was really launched on the UK expatriate market. Saving for your retirement was of paramount importance, and woe betide any financial adviser who dared to try to help a client access their pension funds contrary to the terms approved by HMR&C.

I need to say here that I am completely anti pension busting. My strong view is that the UK State Pension is pitifully ill equipped to provide us with anything like a comfortable retirement. Those of you who are lucky enough, or who have been diligent enough to create a decent pension fund are to be congratulated and encouraged to continue in a similar vein. Pension busting advisers are not acting in the clients’ best interests. They are in fact acting completely in their own interest; looking to create income and commission where it is not due.

We are (mostly) living longer, and will need to fund longer periods of retirement. Accelerating the pace at which we spend our retirement savings is going to end in tears. It’s a bit like telling a child who is allowed to buy one bag of sweets a week that he or she can eat them all on day one. And now we have a new pension buster on the block, Mr George Osborne himself. The proposals outlined in the budget remind me very much of the government’s war on drugs and drug related crime. A drug ‘Tzar’ was appointed a few years ago who after a couple of years of beating his head against a brick wall decided that the best thing to do would be to legalise all class A drugs and make them freely available. I’m not sure if he suggested an suitable tax rate at the same time, but it wouldn’t have surprised me if he did. Fortunately public outcry defeated that move, but I’m not sure that the same will happen this time round. This is all about money in your pockets, and that is a powerful lobby.

What worries me most about these proposals is the reason behind them Please don’t think for one minute that kind Mr Osborne is looking to make life easier for us by removing restrictions on when and how we access our pensions. What he is actually looking to do is raise his tax yield. 55 years old? A couple of hundred grand in a pension pot? Why don’t you take it all out and splash it about a bit? Treat yourself to that holiday; that car; that boat. Help your children progress up the housing ladder, or help your grandchildren get on the ladder. Tax?, sure, you’ll have to pay high rate tax when you take it, but doesn’t nearly everyone pay high rate tax these days?

Surely there’s a problem here? Why would the government want to stoke up problems for themselves in the future? Surely they don’t want droves of hard up pensioners clamouring for state aid in their final decades because they’ve spent all their money. I’m afraid the answer might be that the government doesn’t really care. One thing we’ve missed in all of this is the other pension proposals that have been going through. A raise in the general level of state pension yes, but the complete erosion of many other benefits that have always come to the aid of pensioners who can’t cope. The message now is ‘Here is your £7,000 a year. Don’t come back asking for more, because there isn’t any.’

So if the benefits system is largely to be dismantled, surely it makes sense to the government to try to get its hands on as much of the pension savings that currently exist as they can? They wouldn’t do that, would they?

I think the bottom line here is that we are seeing just how interested the government is becoming in our pension savings. QROPS allows you to move your pension fund out of UK jurisdiction; have more control, and eradicate all sorts of risks. I think we should be looking very carefully at protecting our futures.

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

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/spectrum-if ... t-charter/





‘Lost in France

I try really hard with my French. I listen to French radio and despite the fact it is humourless and quite academic (topics such as the meaning of the word ‘privacy’, the importance of barricades in French social history or the philosophy of Clint Eastwood) I keep at it. I have French friends who are very kind and help me with my conversation and because of their love of their language I am coming to enjoy their language too.
Recently I went to a vide grenier and purchased a few items. I am a collector and sometimes a seller so one of the items I bought was an old box with a razor in it along with some blades and a blade-holder. On visiting another stall the box fell into another larger box so I had to retrieve it. When I got home I found that the razor and the blade holder had fallen out. It was worthless without them so I determined to go back and see if I could find the missing items.
Driving back there I was running through in my mind how to explain to the stall holder what I needed. Various permutations of ‘I was here half an hour ago and something I had purchased on another stall fell into your box’ were attempted. I settled on ‘I was here 30 minutes ago and dropped something in a box’. Pleased with myself, I found the stall-holder and said what I needed to say, she looked at me as though I was a complete idiot and said ‘I have no idea what you are trying to say but you speak French like a Spanish cow’. I was amused and annoyed at the same time but another customer came to my rescue and explained what I needed.
I later told my neighbour what had happened and she was disgusted by the stall-holder’s ignorance. She asked me if this would happen in England, I thought about it and in my experience it wouldn’t. England and the United Kingdom is a mixture of many languages, accents and ways of expressing oneself. I mean accents can change within less than 20 miles of each other but never would I consider insulting someone because they didn’t speak English clearly. Most people would try to understand what the other person was saying and I must admit that this is the first time I’ve encountered this while I’ve been in France.
In the end I had a bit of banter with the stall-holder, bought an item and I made a profit on both that and the box with the razor.



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jardin


The warm weather is continuing so if you are planning to do some spring planting do try and do it sooner rather than later and keep an eye on the watering needs of recently planted items, young plants can dry out quickly with the sort of daytime temperatures that we have been experiencing recently. Now is a good time to deadhead spring flowering bulbs unless, in the case of botanical species, you want them to set seed and naturalise in the garden. Weeds, inevitably are shooting up twice as fast as the plants in the garden - do try and keep on top of invasive perennials weeds like couch grass and bindweed with regular weeding, digging out as much as possible of the root system.

One of my favourite plants is the South African native Melianthus major; a sub shrubby plant with huge, dissected, blue/grey evergreen leaves. It has curious red/brown flowers in May & June born on the previous years growth and can grow to a height and spread of 2 metres or more. It likes a sunny position with good soil, the foliage is winter hardy to about -5°C but the rootstock will stand at least -8°C or more, especially if well mulched. An established plant here in Caunes-Minervois survived the prolonged cold spell of Feb 2012. The foliage makes a terrific backdrop to South African bulbs such as Agapanthus or Watsonia. Perhaps the biggest difficulty with Melianthus is deciding when to prune it; the foliage is often a bit tatty after the winter and I often prune back to the base in late winter but this means that you won't get flower. The alternative, unless you let it develop to a rather leggy specimen, is to prune after flowering.



Just a reminder that we are restricting our regular opening times to one weekend a month but will still always be available at any time for you to come and visit the garden, talk plants etc by appointment - just email or phone to organise a time. Regular opening times for the next few months will be 11/12/13 April, 9/10/11 May, 6/7/8 June, after that we will review how things have gone. In addition our annual open weekend will be Sat 31st May and Sun 1st June, put it in your diaries now! Remember too that we are always happy to organise guided visits of the garden here for groups.


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.
--
La Petite Pépinière de Caunes
21, av de la Montagne Noire,
11160 Caunes-Minervois
04 68 78 43 81








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readers write


Hi Steve, thanks for putting the ad in for my extractor fan.. it went almost immediately and was collected by 11am on Friday.. and they very kindly phoned me on Sunday to tell me it was in and working!
Susan


Hi Steve in answer to Julian's inquiry, myself and friends have had very good service from Satenco at Toulouse. They supply everything to do with satellite TV on line and are very helpful with technical advice if you phone up.
Regards Roy


Hi
Something your readers should be aware of. I’ve had three lots of calls from an Indian call centre claiming to be from Microsoft and ringing to correct a problem with my computer which is sending “false messages to the Microsoft server” and “generating spam”. This is a “free service from Microsoft to help its users”. They knew my name, but not what kind of computer or operating system that I was using: but what they wanted to do was for me to allow them remote access to my computer so they could fix the problem.
I’m not completely stupid, of course – my name is in the phone book – so I told them to go forth and multiply. And although they rang back three times, I just kept telling them the same thing. But these scams do fool some people, so I suggest everyone reads this warning on the Microsoft website: http://www.microsoft.com/en-gb/security ... scams.aspx. As it says there, quite unequivocally, “Neither Microsoft nor our partners make unsolicited phone calls (also known as cold calls) to charge you for computer security or software fixes”.
Cheers
Martyn Wilson



Hello Steve
Many thanks for your continuing work on the Aude Flyer - I very much agree with your theme in your article regharding the role of your emailed flyer in encouraging English people who are in the area to both network together and also extend their contacts with the French neighbours in their locality.

All the best
Keith Parry




Hi Steve,
I now have more complete info on that article that claimed it was illegal to answer emails after 6 p.m. It’s an interesting example of how genuine information can be distorted by the press, and the fact that something happened on 1st April doesn’t make it an April Fool.
All started in 2010 when a guy in Atos (a major French computer services group) who was supposed to handle support for a software package sold internationally failed to reply to a support request from a client in another time zone. He got a mail Friday evening from an Asian customer and didn’t reply until the following Monday. Atos was reducing staff in his unit at the time and used that incident as grounds for firing him. He challenged that in the Labour Courts and after an appeal it ended up in the Supreme Court who issued a ruling dated April 1st 2013 that people working on the basis of “forfait jours” and not office hours were not obliged to reply to mails after normal office hours, and a failure to reply was not a legitimate cause for being sacked. The court also recommended that employers and unions clarify what was meant by “forfait jours”.
So the computer trade association Syntec and the unions met to negotiate that clarification and signed an agreement dated April 1st 2014 which translated the court judgement into labour law. The Guardian published that agreement, and their version was reported in France as an April Fool, which it wasn’t. The Guardian distorted the level of legal obligation (not being sacked for not replying is not the same as the legal ban on replying they described) and also vastly exaggerated the number of people involved: the Syntec trade agreement covers about 250 000 people who work round the clock shifts or are “on call” after office hours in computer support.
So now you know it all!
Cheers,
John Vernon



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 19 Avril 2014
Bram puces des couturiers
Coursan vide grenier
Montolieu 21ème salon du livre ancien et d'occasion
Narbonne vide grenier de st estauche
Saverdunvide-Greniers
Dimanche 20 Avril 2014
Bize-Minervois grenier du bsm xv
Bram puces des couturiers
Carcassonne Vide grenier brocante
Coursan vide grenier
Gruissan Vide grenier du COS
Montolieu 21ème salon du livre ancien et d'occasion
Narbonne vide grenier de st estauche
Narbonne brocante & vide-greniers GEANT-CASINO
Narbonne vide greniers
Ouveillan grand vide greniers de printemps
Saint-André-de-Roquelongue vide grenier brocante bourse au jouet
Saint-Couat-d'Aude vide grenier
Foix Fete des plantes
Pamiers Marché et puces et à la brocantes
Saint-Girons Les puces du champ de mars
Lundi 21 Avril 2014
Carcassonne Vide grenier brocante
Montolieu 21ème salon du livre ancien et d'occasion
Ornaisons Vide-grenier
Rieux-Minervois Bourse moto et vide grenier
Trèbes Vide-grenier du handball
Dalouvide grenier de printemps


Samedi 26 Avril 2014
Coursan vide grenier
Limoux salon Antiquités Brocante
Narbonne vide grenier de st estauche
Narbonne vide grenier et exposition des créations du club
Saverdunvide-Greniers
Dimanche 27 Avril 2014
Aigues-Vives vide grenier brocante
Azille vide-grenier
Carcassonne Vide grenier brocante
Coursan vide grenier
Fabrezan vide grenier association festival de musique charles cros
Fleury d'aude Printemps de Rando Fleury Clape
Laurac Bourse aux vêtements enfants, puericulture, maternité,jouets
Limoux salon Antiquités Brocante
Marcorignan Vide grenier de la MJC
Narbonne vide grenier de st estauche
Narbonne Journée puces de couturieres et des loisirs créatifs
Narbonne brocante & vide-greniers GEANT-CASINO
Pauligne Vide Grenier
Pomas vide-grenier Univers enfants
Preixan vide grenier des ecoles rouffiac/preixan
Quillan vide grenier du festival des fleurs
Sainte-Valière Vide Grenier de Sainte Valèrie
Sigean vide grenier brocante
Trèbes Vide greniers
Villegailhenc vide garage
Villemoustaussou Vide Grenier "les amis de la course"
La Bastide-du-Salat Vide grenier
Pamiers Marché et puces et à la brocantes
Tourtrol Vide greniers de tourtrol

What's On


HOLIDAY ON ICE 21 to 23 March Zenith Toulouse
METRONOMY 25 April Zenith Toulouse
JELLO BIAFRA & THE GSM 29 April Bikini Toulouse
ARTISTES A SUIVRE 29 May to June 6, Haute Vallee
NINE INCH NAILS 1 June Zenith Toulouse
INDOCHINE, VANESSA PARADIS , BLONDIE, THE SELECTER 7 July Argeles sur mer
SEASICK STEVE, UB 40 8 July Argeles sur mer
KEZIAH JONES, PHOENIX, LILY ALLEN 9 July Argeles sur mer

EELS 11th July Bikini Toulouse
ELTON JOHN 15 July Carcassonne Festival
LANA DEL REY 17 July Carcassonne Festival
JOE SATRIANI + CHICAGO 19 July Carcassonne Festival
FRANZ FERDINAND 20 July Carcassonne Festival
MASSIVE ATTACK 24 July Carcassonne Festival
THE JACKSONS 25 July Carcassonne Festival
VANESSA PARADIS 28 July Carcassonne Festival
JAMES BLUNT 30 July Carcassonne Festival
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peter
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Joined: Sun Feb 12, 2006 3:41 pm
Location: Languedoc, France

Re: Aude and Ariege flyer 2014

Postby peter » Fri May 02, 2014 11:32 am

Bonjour
So it’s that time again, Eurovision I mean, and Austria seem to have pulled out all the stops this year with a bearded lady TV or something as their entry.

And hopefully the weather is hotting up as there are more and more things to do: this weekend (in fact starting today) is the Limoux brass or copper band event, with a certain James Morrison looking unlike the one you may be more familiar with. It’s a good reason for a drink anyway.

Then there is the Ferme en Ferme en HAUTE-VALLEE DE l'AUDE et PYRENEES AUDOISES which will get you something to eat and some fresh air with something to drink

You should relax and not try to get too much done as it is May tomorrow and it’s riddled with holidays

Thursday 01 May - Labour Day (Fête du Travail)
Thursday 08 May - VE Day - WWII Victory Day (Fête de la Victoire 1945).
Thursday 29 May - Ascension Day (Ascension catholique).
Sunday 08 June - Whit Sunday (Pentecôte).
Monday 09 June - Whit Monday (Lundi de Pentecôte).
On May 1, 1561, King Charles IX of France received a lily of the valley as a lucky charm. He decided to offer a lily of the valley each year to the ladies of the court. At the beginning of the 20th century, it became custom to give a sprig of lily of the valley as a symbol of springtime, on each May 1. The government permits individuals and workers' organisations to sell them tax-free. Nowadays, people may present loved ones either with bunches of lily of the valley or dog rose flowers.

It is good to see the new FN Mayor of Beziers has joined in with other localities in putting a curfew on 13 and under. They are not allowed out unaccompanied by an adult from 11pm till 6am from mid-June to mid-September. Personally I think that should be all year..countrywide…in fact worldwide.

Neil Hamilton is one of the inner circle of UKIP and as far as I remember he got himself embroiled in a cash for questions doo dah involving Mr Al-Fayed. The CFQ’s is back and there was almost a moment where it looked like Mr Farage was to step into the by-election created by the departure of the dishonoured Tory Patrick Mercer. I think the whole UKIP thing would be fine if he would stick to drastic cost cutting in Brussels and get off the Enoch Powell immigration bandwagon. Johnny Foreigner is taking the jobs of Brits who can’t be bothered to work. Oh yes - and doesn’t there need to be a few more heavy hitters in the UKIP pack or when they do get elected it’s all going to be a bit weird.

if you join Google + when it’s your birthday or the day you tell them is your birthday you get your own doodle up commemorating the milestone, I was really surprised when mine came up recently.

Is it me or are televisions taking longer to warm up than the early valve models?

Who said the Britain wasn't a Christian country? Actually it was the ex-archbishop of Canterbury last week and maybe he's right, maybe he's wrong. Difficult to explain though how we should all abide by this Monty Python commandment from the Old Testament (look it up, it's really in there), which seems to be forbidding a particularly bizarre challenge on BBC2's daftest yet reality show, The Great British Sewing Bee...

Ezekiel 13:18 King James Version
Thus saith the Lord GOD; Woe to the women that sew pillows to all armholes, and make kerchiefs upon the head of every stature to hunt souls! Will ye hunt the souls of my people, and will ye save the souls alive that come unto you?


Pillow sewers, you have been warned!



Steve





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Tax Returns, Pensions & Seminars

What do the above have in common? Well nothing really except they are all topical now!
Let’s start with tax returns ……..

I was really surprised to receive the French tax forms so early this year and then I realised why. The date for submission of paper returns has been brought forward to 20th May or if you submit your declaration over the net, then you have until 27th May to do this. Does this mean that we are going to get our tax demands a week or two earlier this year and perhaps with an earlier deadline date for payment? Well I guess that we will just have to wait and see.

No-one should ever try to second guess the Fisc or think that they can out-manoeuvre this government department. I hear some interesting stories of people being contacted and questioned about why they are not registered in the French tax system. You would be amazed at what is used to check – telephone bills, utility bills, etc., etc. How long will it be before our use of cash machines and our bank and credit card transactions in shops might be used to verify how much time we spend in France? Scary thought and actually they probably don’t need to go that far, as we can be tracked through our mobile phones and probably also our internet use.

Are you convinced now to register in the system? You’re still not sure if you are resident? OK, call me and with just a few questions, I will be able to tell you.

For those of you completing French income tax returns, don’t forget to include a list of foreign bank accounts and life assurance policies. You don’t have to declare amounts (unless you are subject to wealth tax), only the existence of the accounts and policies. If you don’t, the penalty is at least €1,500 per undisclosed account/policy or €10,000 if the bank account is in one of those uncooperative States or territories that have not concluded an agreement with France to exchange information. So even if it is an account that does not pay interest and there is very little in the account, declare the existence or risk the penalty!

Moving on to the other ‘hot topic’ of the day ……… I am already hearing about lots of people who are being cold-called about the UK pension reform. Apparently, these calls are being made by people operating from Spain or Cyprus or perhaps some other place. Typically, they are offering to liberate your UK pension plans now. What do these people know about the French tax system and the implications for you? For that matter, do they even understand the UK tax implications for you?
Rob and I have both written articles on this subject and I hope that we are sending out a strong message of the need to exercise caution. Every case will need to be considered on its own merits – there will be no ‘one size fits all’. Anyway being able to cash in large pension pots is only a proposal at the moment. We will have to wait for the result of the consultation and then probably a few months more to know the outcome. So if you get any of those calls coming from outside of France, my advice is to tell them not to waste your time!

The final thing that I want to mention is our client seminars – Le Tour de Finance. This is a tour that travels around France, where we bring ‘experts to expats’ and we are now taking bookings for the Spring tour for which there will be presentations on the following subjects:


- Assurance Vie (two of our favoured providers will be presenting)

- QROPS & Pension Investing (very topical)

- Currency Exchange (is this a good time to exchange Sterling to Euros?)

- Health Insurance (are you affected by the EU succession rules from 2015?)

- Wills in France & UK (are you affected by the EU succession rules from 2015?)

- International Banking (do your current bankers meet your needs?)

- Tax Advice in France (do you need help with those tax returns?)


Spectrum advisers will also be on hand at all events to answer questions. Maybe you need to have a more in-depth review of your financial situation. If so, we can arrange this with you.
As always, there is no charge for any of our seminars and the speakers’ presentations are followed by a buffet lunch/refreshments. The dates for the local events are:

- 21st May - Hotel La Villa Duflot, 66000 Perpignan

- 21st May - Hotel Abbaye École de Sorèze, 81540 Sorèze

- 22nd May - Côté Mas, 34530 Montagnac

- 23rd May – Montpellier Massane Golf & Spa Hotel, 34670 Baillargues

Each event starts at 10.00 am with a welcome coffee and ends at 2.00 pm after a buffet lunch, with the exception of Sorèze, which starts at 5.30 pm, finishes at 9.00 pm and refreshments will be served. The seminars are always very popular and so early booking is recommended.

If you would like to attend one of the seminars or you would like to have a confidential discussion on your financial situation, please contact me by telephone on 04 68 20 30 17 or by e-mail at daphne.foulkes@spectrum-ifa.com.

The above outline is provided for information purposes only and does not constitute advice or a recommendation from The Spectrum IFA Group to take any particular action on the subject of investment of financial assets or the mitigation of taxes.

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

http://www.spectrum-ifa.com/spectrum-if ... t-charter/.

Daphne Foulkes
SIRET 522 658 194 00017
Numéro d’immatriculation ORIAS 10 056 800




‘Lost in France





We all know how similar French and English can be and in some cases remarkably dissimilar. And it’s easy to make mistakes. Perhaps you’re like me and you’ve made the mistake of not knowing the French for an English word which looks like it could possibly have a French origin. Perfectly nice and supportive French people who will bend over backwards to try to understand what I am saying will look at me dumbfounded. One word I recently tried was the English word ‘emphasis’. I couldn’t think of the French word (its ‘accent’ by the way) so I just said it with as much of a French accent (hah!) as I could muster ‘omphaseez’ and got that dumbfounded look - it was worth a try.

I do enjoy discovering the links between the two languages.

Take the French word for to swindle – it is ‘escroquer’ and in English that is very similar to ‘escrow’ and I wonder which came first and how it’s meaning changed from taking money by false pretences to keeping money safe and separate.

Sometimes there are amusing similarities ‘molle’ is the word for a woman with no energy, is that anyway related the 1920’s gangster slang for a woman ‘moll’?

‘Enfumer’ to avoid a problem, a bit like figuratively blowing smoke in someone’s eyes to distract or confuse them.

‘Suer’ isn’t to sue but to sweat and you might get that from the pronunciation.

Other words I like simply because of the sound both in French and English – tatillion is pernickety

Midinette – a sentimental young girl, although it also sounds like an internet system particular to the Midi.

Puer – to be smelly and it makes me smile for obvious reasons.

Huis – is a word for door, huisserie is door-frame and huissier is the word for both doorman and bailiff (who used to come to break down a door).

But I will leave you with another word which seems like it should belong to the 21st century IT world - ‘proxenetisme’- which means making one’s living off the earnings of a prostitute. The origin is the Greek word ‘proxenetes’ which means courtier. In French the masculine for ‘courtier’ is ‘courtisan’ but the feminine is ‘courtisane’ – a high level prostitute.





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cancer30414


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


f ithead3010

OSTEOARTHRITIS:



WHAT IS IT?





HOW CAN YOU PREVENT / LESSEN ITS EFFECTS?

osteofit30414


Extract from ' You, The Owner's Manual' - Michael F Roizen M.D and Mehmet C. Oz M.D





'As you age, the density of the slippery shock-absorber surfaces (that are found between the bones that make up your joints) thins and you gradually lose your cushioning. When this happens, the effect is similar to walking in shoes without socks. While socks provide cushioning, they also act to absorb the friction that would occur if the shoe rubbed up against your skin. Without the sock, your exposed skin would rub against the shoe, get irritated, blister and become inflamed. It's the same concept with your joints. As you lose your internal sock, your bones lose their ability to slide and they can rub against each other - and it hurts.

So osteoarthritis is when the cartilage that covers the bones and forms the surface of the joints becomes thinner, rougher, less protective of the bone, so the bones grind against each other and the joint becomes inflamed.

Although osteoarthritis can occur in any of your joints, including your hands, hips and spine, your knees are particularly at risk because they are prone to a lot of wear and tear. Your knees carry your body no matter how heavy the weight.'



When you gain 10lbs (c. 4.5kg), it feels more like 30lbs (c. 14kg) for your knees.



(This gives us an indication of one of the ways in which you can alleviate the effects of osteoarthritis in this part of your body - keep your weight in check!)

' Many things can make osteoarthritis more likely (and can increase its effects) including:



Poor posture



Overuse



Heredity



Obesity



Lack of vitamins C and D



Lack of calcium



Regular exercise is important - walking is good (30 minutes every day) but if you are already suffering from osteoarthritis (especially if you are also overweight), in order to reduce the impact on your joints, the best options are swimming, cycling, rowing or working out on an elliptical machine.'

Pat Penny - Health and Fitness Specialist, Massage / Deep Tissue Massage

European Register of Exercise Professionals

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






Tech Talk

Hartbleed Bug







Many of you may have heard of the Heartbleed bug on the news broadcasts over the past week, it’s a flaw that’s been found in SSL security that’s the pad lock bit on the internet.
The flaw is being blown out of all proportions by the media, some claiming it’s the end of the internet and some that every server is the world has been hacked. There is still no conclusive proof that any hacker has managed to use the flaw to access user details from a server, despite what the BBC claimed last night about Mothers-net having been hacked, they had an incident on the server and have informed all user to change their password as a precaution.

Do not rush into changing your passwords, unless you are sure the server has been patched.
Only around 30% of servers worldwide are affected, so there is a very good chance none of the ones you use are affected.
If you get an email from a company you are signed up with telling you to change your password, then that’s the time to do it.
Make sure you go to the web site don't follow links in emails.
Try to use a different password for each site/company
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
Aude Flyer sept 2013

jcooper1









58network

russelcoope14












cine30414










meteo ciel3





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






jardin





All that warm weather and then some rain so everything is growing really quickly and many plants are about a month in advance of a "normal" year. Many roses are flowering; keep an eye out for blackspot or mildew and treat with a fungicide. Dead head roses after flowering to encourage repeat blooms. This is a good time to tidy hedges except if they are home to birds nests, in which case one should wait until the young birds have flown. Most of France has had enough rain this winter to replenish water reserves, not so in the Languedoc, with all the hot weather do make sure that recently planted items are sufficiently moist.

gdn30414

May is a month when so many plants are in flower that it is difficult to pick ones out for comment but among the stars of this month has to be the cistuses. They are Mediterranean native shrubs which like a sunny position and well drained soil and are very drought tolerant, most grow to about 80cm or a metre high with similar spread. They are evergreen or evergrey, usually with pink or white flowers although a few (previously classified under Halimium) have yellow flowers. There are about twenty species and many hybrids. Some are native to acid sols and some to limestone soils so try to make sure that the plants you are buying are adapted to your soil. With careful planning it is possible to have various cistus in flower from late March until late May. They associate well in the garden with other evergreen Med natives such as Dorynium and Phlomis which enjoy the same growing conditions.


Remember that we are restricting our regular opening times to one weekend a month but will still always be available at any time for you to come and visit the garden, talk plants etc by appointment - just email or phone to organise a time. Regular opening times for the next few months will be 9/10/11 May, 6/7/8 June, 11/12/13 July. In addition our annual open weekend will be Sat 31st May and Sun 1st June, put it in your diaries now! The programme will be similar to previous years. Remember too that we are always happy to organise guided visits of the garden here for groups.



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.

--
La Petite Pépinière de Caunes
21, av de la Montagne Noire,
11160 Caunes-Minervois
04 68 78 43 81



The Property Page





front door 011smallarcher

Razes circulade village

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 contactlinda.la@live.co.uk for further details and viewings.






esp107

ESPERAZA
Former Presbetary with courtyard near town centre
107,000€
currencysqbann

40bargain

Village house to renovate with a courtyard of 80m²

40,000€

neilfront

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



Bordebasse du Lac - Cottage available for long term rental

Detached modern house

for sale in Montréal



bennettsplead

Holiday Apartment AiguaBlava,

Costa Brava

www.aiguablava.co.uk

002

Naturist Property 97,500 euro

YOUR PROPERTY ADVERT HERE

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Hi!!!!

I have lived around Carcassonne for over twelve years and have found most things. However, there are three items I still can not find.

1, Benedictine, I have made several expeditions into the wine shops of the area, but found none. I understand that it is still made. Where can one obtain this French product in France?

2, Fino Sherry, this is obtainable, but requires at least a four hour round trip into Spain. Why is it not on sale here? The varieties of Ports are available.......

3, Kippers, when I worked in Saudi Arabia, kippers were available in most supermarkets. Has anyone seen them here? I have tried the smoked fish available, but they are pale imitations......

These items are available in most countries of the world, why not here?

I am sure that if these items are for sale in this area, someone can let us all know.

In anticipation, Thanks.

Alan... Aude





Hi Steve

Thanks for your flyer, always interesting reading.

One thing - the captions in your competition might be more interesting if your readers are aware that the person on the right (i.e. the one who was actually elected) is the President, not the Taoiseach (Prime Minister), of Ireland. A very down to earth, interesting and well-cultured man, though I'm not sure if the uileann (elbow) pipes are in his repertoire.

All the best

MT Moran





Hi Steve.

Not wishing ( honestly) to be a pedantic nit-picker , but the wee guy facing Prince Charles is Michael Higgins , the PRESIDENT of Ireland , not the Prime Minister , that would be Enda Kenny.

KP.

Saissac





CAPTION: "Yes it is very funny, I didn't believe Francois Hollande either he is just boasting"

Hi Steve, I think the man with Prince Charles in the photograph is the Irish President not the Prime Minister.







Hi, just got the lastest edition and so welcome it was...I have been having problems with my phone (I'm in the US and it's Verizon and they're having problems with their system) and needed something light hearted to cheer me up and remind me of better times and better places.

When I used to take my vacations in the South of France (09 & 11) I could afford to do it be
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Re: Aude and Ariege flyer 2014

Postby peter » Thu May 15, 2014 4:55 pm

Bonjour
Next Thursday will no doubt show some interesting voting across Europe, with everyone looking to blame some legal immigrants for that lack of work. Could you be doing a French person out of a job? Are you one of the people the public in France are scared of? Does France have the same couch potato mentality where benefit dependency takes the place of building your own self-worth and the need to work, no matter what work? Personally I feel if someone wants to work they will and they can do what they want as long as they get on with it and scale whatever hurdles are put in the way.



I am quite good at finding things via Google and I have been looking for further information on this story that was in Midi Libre:

A British man has died during a routine customs search on the A9 motorway at St-Jean-de-Védas just south of Montpellier. The incident happened between midnight and 1am on Wednesday morning.



Sniffer dogs showed interest in the 4x4 of the 59-year-old British driver, and so officials began to search it. As they did, the man showed signs of discomfort and collapsed. Despite attempts to revive him, Donald McDonald died in an ambulance on the way to hospital. He was heading back to the UK from Spain.



An autopsy will take place on Friday, May 2. The search of the vehicle was suspended half-way through, at which time no illegal substance had been found. It will be resumed.

Whatever I put in produces nothing connected to this man’s death, have you heard anything about it?



The month of May and three holidays on a Thursday so three bridges, with the cost of this France’s GDP is projected to be 4bn €. The exception to this of course is the tourism business which should have a bumper month.



Austria wins by a whisker, yes indeed the bearded lady pulled it off! The Ukraine situation looks to be repeated and can be predicted based on the Eurovision song contest voting: Belarus, Azerbaijan and Armenia all seem to be in the back slapping club. Of course it does look a bit strange that the eastern parts of Ukraine have had elections which “the west” are calling undemocratic, yet they support the removal by force of the Viktor Yanukovych.

So Mr Hollande has been stated as saying the French government is focusing on the best interests of Alstom and Siemens employees. This is before Siemens have even made an offer and they have been “encouraged” by Miss Merkel to bid following GE’s offer. The French government currently has a 0.9% stake in Alstom and according to the economy minister Arnaud Monteourg the government would consider taking a larger stake in the company.



Then there is Mr Farage saying that the decision on the take over of Astra Zeneca by Pfizer will have nothing to do with the UK government. In response to a question on the issue, Vince Cable admitted on May 6th that 'Ministers do not engage with decisions' of this nature due to a 2004 European Union merger regulation. My view is that Pfizer should be made to put up a substantial bond which can protect the long term concerns for scientific jobs and research in the UK.



Steve









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Pension business is still keeping my in-tray bulging this month. The recent publicity that this ever-stimulating topic (hmm) has received since the last UK budget seems to have raised its profile to a remarkable degree. My clients fall fairly and squarely into two categories; those that have QROPS pensions and those that don’t.


Those that already have QROPS pensions are asking me if they did the right thing, and those that don’t are now busy asking me if they should indeed QROPS their pension (I know there’s no such verb, but it’s neat). Well I’m sorry to have to tell you, but in true financial style, the answers are yes; maybe, and in some cases no. Here’s why:


It all depends on what you think your pension should be doing for you. If, like me, you think that it has been a genuinely valuable savings tool that is going to make your financial life more comfortable and financially stable as you get older, then anyone who has a QROPS pension is highly likely to have done completely the right thing. There are however those amongst this group who view their pension funds as their money that is being withheld from them, and fed to them in dribs and drabs at the whim of some government actuarial clerk. Any chance that arises for them to get their hands on more, if not all of their funds, should be grabbed with both hands.


This group suddenly find that they have backed the wrong horse, and in transferring their pension via QROPS to a new trustee with the aim of attaining more control over the running of their funds now find that their pension fund is now controlled by a new trustee who is more conservative than the old one. Please don’t think for one minute that I am criticising this group of people. The reasons for needing cash urgently are many and varied, and some of them may well genuinely outweigh the need for savings in later life.


So what should the second group do; those who still have their UK based pension funds? Before I answer that, let’s take a quick look at what has already changed, and what might change next year. Here are the principal factors:


a) Since 27th March this year, anyone aged over 55 who has a guaranteed separate pension income of £12,000 or more can now enter Flexible Drawdown. This means that you can make uncapped, unlimited withdrawals from a pension fund (not the one that gives you the £12,000 income!)


b) Also since the 27th March, anyone (over 55) with a standard pension pot can now commence ordinary drawdown from that pension at a higher rate than previously. 25% more per year to be precise.


c) We are now in a consultation period for a much more dramatic change. It is likely that anyone (over 55) with a UK pension pot will be able to take out the whole sum in cash from April 2015. Presently you can take out 25% as a (UK) tax free lump sum, now called a PCLS (Pension Commencement Lump Sum), and draw the rest on an annual basis, but in a strictly controlled manner.




This is a simplification of the total pension review, but these are the factors that are grabbing the headlines. So what should my second group, the ones who still hold UK based pensions, do now?
Quite simply, they need to decide which camp they are in. In one camp (with me) there are the ‘Classic Pension’ devotees. Those who think that when (or if) they get into their eighth and ninth decades, they will still be able to afford that occasional glass or two of rosé on a summers evening. In the other camp sit the ‘Pensions New Dawn’ brigade who are happy to spend it all now on the assumption that they either won’t get to that age, or if they do, won’t know much about it anyway.


Eventually though, it won’t matter. QROPS trustees are by nature a very cautious group of people. Keeping HMR&C onside is very important to them. That’s what keeps them on the QROPS list, indeed keeps the Q in QROPS. The disconcerting thing for them is that the ‘Old Guard’ has suddenly been given a serious injection of steroids, and is sprinting off over the horizon, leaving the QROPS ‘New Guard’ trailing in their wake. Eventually they will meet again, and offer the same terms all round. Just because you can take the whole fund doesn’t mean that you have to.


So, to answer my own question for UK pension clients, you should do nothing at the moment if you think you would like to get your hands on potentially large sums of money in the near future (and pay a healthy tax bill on them). If you are here for the long game, look at QROPS for what it has always been. If you’re not quite sure what that is, give me a call and I’ll take you through it.


On a complementary topic, we are now well and truly into seminar season again:
Le Tour de Finance is a partnership tour that travels around France, where we bring ‘experts to expats’ and we are now taking bookings for the Spring tour for which there will be presentations on the following subjects:

- Assurance Vie (two of our favoured providers will be presenting)

- QROPS & Pension Investing (very topical)

- Currency Exchange (is this a good time to exchange Sterling to Euros?)

- Health Insurance (are you affected by the EU succession rules from 2015?)

- Wills in France & UK (are you affected by the EU succession rules from 2015?)

- International Banking (do your current bankers meet your needs?)

- Tax Advice in France (do you need help with those tax returns?)






The dates for the local events are:

- 21st May - Hotel La Villa Duflot, 66000 Perpignan

- 21st May - Hotel Abbaye École de Sorèze, 81540 Sorèze

- 22nd May - Côté Mas, 34530 Montagnac

- 23rd May – Montpellier Massane Golf & Spa Hotel, 34670 Baillargues

Daphne and I will be on hand at Sorèze and Montagnac to answer questions. If you feel that you would benefit from a more in-depth review of your financial situation, we can arrange this with you.



As always, there is no charge for any of our seminars and the speakers’ presentations are followed by a buffet lunch/refreshments. Each event starts at 10.00 am with a welcome coffee and ends at 2.00 pm after a buffet lunch, with the exception of Sorèze, which starts at 5.30 pm, finishes at 9.00 pm and refreshments will be served. The seminars are always very popular and so early booking is recommended.



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



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/spectrum-if ... t-charter/







lakecancer



‘Lost in France



Another form arrives to be filled in. They come regularly asking us to complete them so that we can pay more tax. We are renovating a barn. We obtained permission to replace a window with a larger one and then install another one – that’s it, nothing about making it residential to which this form seems to refer. Now they (the ubiquitous bureaucracy which is the Tresor Public) requests to know if the renovation is finished. We want the barn as a workshop and for extra storage. No we don’t have running water, electricity, gas, a toilet, a bathroom, any bedrooms or kitchens, it’s still a barn. The last form I received I sent back saying the work wasn’t finished but I received another quite quickly which had on it the phrase which said if you don’t complete it this time you will be fined.

I took it to the secretary at the Mairie and she said if it’s not finished, tell them that. I said I’d already done that so she said you’d better go to the Tax Office so groaning inwardly and outwardly I took my piece of paper away and went the next day. I showed the man there the form and I told him it was not residential it was a barn and that the form didn’t seem to offer an alternative way of filling it in to accommodate the non-residential aspect – or words to that effect. He pointed out the places that needed to be filled in, one of which was date when the work would be completed. I told him it wasn’t finished and he looked at me as if it was obvious that I had just to say that. Aaargh! So I guess they will keep sending out this form for me to complete until I tell them a date the work has finished and then they can tax me.



I suppose this is better than having the person in the village (which apparently we have and I suppose other villages have too) who wanders around taking note of all renovations and reporting on me. I asked my neighbour who this was and she said she couldn’t tell me, not because it was a secret, or that she was that person but because the person changes. How creepy and secretive is that? She tells me that it was the war that helped engender this kind of behaviour. She describes it as an explosion, the people who were good exploded into altruistic acts or resistance and the people who were bad were given free rein to be as bad as they liked by reporting on their neighbours if they didn’t like them.



This sneaky reporting did in fact happen quite recently to a neighbour of ours who is renovating a barn to live in. It’s a very big building and inside he has created a large open ground floor living room, kitchen dining area and upstairs there is a bedroom and bathroom. He was visited by a man with a clipboard from the Tax Office who accused him of having more than the one bedroom he had stated on his form. Our neighbour invited him in and showed him his one bedroom while the man from the Tax Office huffed and puffed about the size of the downstairs space implying it could be used more fruitfully (for him) by putting in another bedroom. It is a bit scary having people checking up on you like this.



My partner said as he was the only working on our barn it would be a while before it was finished but they were welcome to send someone to help speed up the process if they liked.






Want to advertise but cant do the artwork?

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





















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Tech Talk



How to decommission or sell an old PC



How to sell or dispose of an old system safely, without compromising your personal data



When a PC is nearing the end of its useful life, it’s crucial to decommission it safely and securely. It’s a simple process, and once it’s done you can dispose of the PC, or sell it on, without worrying about what else you may be giving away. If you do plan to sell it on, there are steps you can take to encourage buyers and help achieve a quick sale at a good price.



Personal data



The most important part of decommissioning an old PC is securely erasing your personal data, to ensure that nothing can be recovered by whoever gets their hands on your PC, or its hard disk, after you’ve finished with it.



Before you start the decommissioning process, therefore, make sure you’ve collected all the data and information you need from the computer. For a PC you plan to sell or strip for parts, it’s always good to have a full specification list to give to buyers. If you don’t have the original documents, or if the computer has been upgraded over the years, go in to Control Panel | System & Security | System and note down the processor model, the amount of RAM and – if you plan to sell it with the operating system – the version of Windows it’s running.



Next, if there’s data you want to keep, be sure to transfer it to an external hard disk or upload it to a cloud storage service such as Dropbox or Google Drive.



If you intend to sell off the PC’s individual components, it’s also a good idea to take a few photos of them in action before you erase the hard disk, as we discuss below.



Selling the whole computer



If you plan to sell on the computer in one working piece, you’ll definitely want to securely clean off the hard disk.



Wiping your hard drive of data.



The easiest way to do this is to create a new user in the control panel making sure its set as an Administrator type user.



Then login as this new user and returning to the control panel remove your user account. This method will ensure all data, settings, logins etc are removed.



Next you need to wipe the free space on the hard drive to stop anyone recovering the data you’ve so carefully removed. Ccleaner has a function on the Tools menu you will find the drive wiper, set as Free space only, with an advanced overwrite (3 passes) and the tick the local drive C, then wipe.



If you have any other hard drives or partitions then you can wipe them too, this time however you want to wipe the Entire drive.



Selling individual components



If your PC is no longer functional, you can still sell off the bits that do work. Indeed, even if your PC does work, this approach may be more lucrative than selling it of as a complete system. That applies particularly to custom-built and upgraded PCs – perhaps you’ve supplemented a standard PC with a beastly graphics card, for example.

You’ll have to use common sense here. Check the prices at retail and on eBay for the components you want to sell, making sure you’re using the exact product codes/descriptions.



Please remember that there is very little value in parts that are more than 2 years old, if the computer is more than 5 years old then might have to pay to dispose of it there is absolutely no value in it.

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
Aude Flyer sept 2013

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








jardin



There seem to be a lot of aphids (greenfly & blackfly) in gardens at the moment. You may like to leave them as ladybird food but if infestation is severe you can spray them with a soft soap solution or an organic/bio treatment from the garden centre. Perennials that flowered early in the year such as hellebores will have set seed, look out for when the seed ripens (usually when the seed capsule starts to dry and split revealing dark brown or black seeds) and sow the seed to increase your own stock. Most spring flowering shrubs are over or nearly over, remember to prune them after flowering.


A couple of weeks ago I mentioned the cistuses as being wonderful plants at this time of year. Another genus that cistus associate well with are the phlomis, this is a genus of over 100 species of herbaceous plants and shrubs from the Mediterranean through into central Asia. The shrubby species from the Med basin area do particularly well in our gardens, most are shrubby species that will grow up to about a metre high with a similar spread although obviously this varies according to the particular species and with your growing conditions. Most have yellow flowers (such as Phlomis fruticosa, P longifolia & P chrysophylla) but some have pink flowers (eg Phlois italica & P purpurea). They like a sunny and well drained position in the garden and most are very drought tolerant.



A reminder that we are restricting our regular opening times to one weekend a month but will still always be available at any time for you to come and visit the garden, talk plants etc by appointment - just email or phone to organise a time. Regular opening times for the next few months will be 6/7/8 June, 11/12/13 July and 8/9/10 August. In addition our annual open weekend will be Sat 31st May and Sun 1st June, put it in your diaries now! The programme is at http://www.lapetitepepiniere.com/defaul ... 20Ouvertes . Remember too that we are always happy to organise guided visits of the garden here for groups.



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.

--
La Petite Pépinière de Caunes
21, av de la Montagne Noire,
11160 Caunes-Minervois
04 68 78 43 81





The Property Page





front door 011smallarcher

Razes circulade village

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 contactlinda.la@live.co.uk for further details and viewings.






esp107

ESPERAZA
Former Presbetary with courtyard near town centre
107,000€
currencysqbann

40bargain

Village house to renovate with a courtyard of 80m²

40,000€

neilfront

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



Bordebasse du Lac - Cottage available for long term rental

Detached modern house

for sale in Montréal



bennettsplead

Holiday Apartment AiguaBlava,

Costa Brava

www.aiguablava.co.uk

002

Naturist Property 97,500 euro

YOUR PROPERTY ADVERT HERE

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



readers write





all replies to mail@audeflyer.com





Hello Steve,
You may find this amusing and fit for publication too.
David Cameron and Ed Milliband fid themselves sat next to each other in the House of Commons barber shop, having a hair cut. They didn't speak much other than greeting and the odd remark.
Upon finishing Ed Milliband was asked if he would like a splash of Bay Rum Cologne.
He refused saying that if he did his wife would think he had been in a brothel, and laughed heartily at making what he thought was a good joke. Everyone around laughed politely too.
David Cameron was finished and he also was offered the Bay Rum.
Of course I shall have it, he replied, my wife doesn't know what a brothel smells like!!
A moments embarrassed silence until Ed left then gales of laughter all round.
The moral is: if you are not naturally humorous then don't try to be.
Cheers and keep up the good work.
Stuart







If you could include some of this request for anyone who knows where I can get my precious guitar refinished reasonably locally I would be eternally grateful as I am getting pretty desperate with no leads so far in spite of sending this info to various places in the vicinity. I haven't played for 35 years and I am anxious to get to grips with it again (and the bleeding fingers expected after all this time). Even my nylon strung guitar hurts so far.

Regards,

Peter Burbage









Hi

As a regular car hirer from Carcassonne airport, I believe the readers might be interested in the following:-

For those who like a bargain when using car hire, (a relative term in car hire parlance!), be very careful when selecting a provider.

We have just picked up a car from Firefly (a Hertz off shoot) at Carcassonne, (the cheapest by a very small margin of a not very cheap bunch of car hire providers)

to be presented with the following :-

A credit card fee of €3.30 plus TVA (VAT) of 20%, for Firefly to record the Excess Charge, payable if you have an accident, etc.
A choice of returning the car with or without a full tank. However if the tank required filling, Firefly would charge you at the going rate?? (what ever that may be !)
Obviously one would opt to bring the car back full, to avoid excessive fuel charges ?
Unfortunately, regardless of who filled the tank, Firefly will add a surcharge of €12.54 plus TVA (VAT) of 20%
Should you return the car with a dirty interior, Firefly will add a surcharge of €12.50 plus TVA (VAT). of 20%
Firefly offer a non optional ‘Fast Return’ , for an added surcharge of €19.73 plus TVA (VAT) of 20%


A non optional additional charge of €48.07 plus TVA (VAT) at 20% gives an additional total to be paid of €57.68 or approximately £48.45. This makes a relative bargain into a very expensive nightmare.

There are further additional charges, which although optional, cover the addition of an additional driver (which can only be added for the duration of the hire period and not specific periods)

Also, should one wish to go to Spain, then, the vehicle would not be covered for insurance purposes without a further large additional cost.

Following a complaint that this was not mentioned on the original rental paperwork, we were told we either accepted the additional costs to be able to take the car or fore fitted the car hire and we could not have our money back.

To add insult to injury, the vehicle was dirty inside, and notwithstanding the alleged nominal marks, was in fact covered from front to rear (both sides, front & back) with scratches and marks.

Following a further complaint, we were told there was no alternative vehicle available.

Readers be warned.

Regards

M Jones





If the French wish to reduce global warming someone should politely remind them to turn off their vehicles engines when leaving them to go and buy bread.Eye live opposite the local boulangerie and have done for the past fifteen years,at least three out of five customers arriving to buy bread leave their engines running when leaving the vehicle,sometimes with children remaining on board.Taking a combined ball park figure of two hours a day times six opening days times the 100,000.bread shops in France.It is not hard to imagine as to how much fuel is being wasted and pollution pumped into the atmosphere.Food for thought or an old man nit picking?you decide! Tony K. La Bastide d,Anjou. P.S.If any Brits reading this leave their engines running when going in for bread...dont its illegal to leave a vehicle unattended with the motor running .tk







Dear Lost in France,

You will find that the presenters and comedians periodically featured on France Inter or France Culture are really quite good at cracking jokes, should your level of French progress sufficiently to understand them.

Academic? Yes, it's true to say that they don't do dumbing down.

regards, Eddie Castellan.
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Re: Aude and Ariege flyer 2014

Postby peter » Thu May 29, 2014 7:28 pm

Bonjour
Oh wouldn’t it be so simple if the vote swing in Europe was based on people wanting a lighter touch (and cost) EU as opposed to the knee-jerk racism angle from which it seems to have derived. One can only hope that backsliding doesn’t start occurring in the Hollande camp to overcome the Marine/ Farage threat. It won’t be very good for the Euro or indeed the French franc if they don’t stick to debt balancing and structural reforms.

It’s interesting that Berlusconi is too old to go to prison but the octogenarians convicted under the Yewtree investigations will have to - is it a European law or one that Silvio wrote in readiness? Next month Gary Glitter’s bail runs out so that saga will no doubt be dusted off again.

I know that the UK border agency got themselves into a bit of trouble a few years ago when they were a tad short staffed but when I came through Stansted the other day I was very surprised by the queue sizes - which were enormous. When I finally got to the front I noticed that all of the staff had new uniforms. The uniforms were black shirts with white writing on their lanyards and epaulette badges. There were signs all around on TV screens saying “stricter checks take longer” or something to that effect, but it was the uniform that struck me. I was so surprised that I asked the lady who reviewed my passport “Is that dark blue?” she replied “No, it’s black” ..........





Steve









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STRETCHING

Is it just for athletes or can we all benefit?

fitstretch

We often see athletes stretching before and after an event in order to maximise performance and avoid injury.

But what use is stretching to us mere mortals? Well, pretty much the same really! The movements we make (or would LIKE to be able to make!) on a day-to-day basis, can be seen as our ‘event’ – so, just like an athlete, stretching can enable us to function at our optimum and can also help to reduce or avoid annoying, niggling aches and pains that can restrict our freedom of movement and eventually lead to injury.



Tight, stiff muscles have a tendency to impact joint mobility – for example, tight muscles of the upper back or the chest can limit the available range of movement in our shoulders. Over time, we accept this limited (and possibly painful) movement as ‘normal’ whereas this is far from the case and plenty can be done in order to restore function.

Sometimes, muscles that are tight and stiff can even impair circulation and this obviously has wide-ranging effects well beyond movement.



It’s no secret or surprise that with each passing year muscles and joints become stiffer and tighter, this is part and parcel of getting older! Although getting older is inevitable, this should not mean that we give up trying to improve the situation – in fact quite the opposite, we have to work harder at it! But it is possible to improve things considerably.



If you don’t stretch regularly at present, please start slowly, be patient and NEVER force a stretch. Always stretch when your muscles are warm (think of cold Blu-Tack, it breaks when you try to stretch it straight out of the packet, once it is warm it stretches like chewing gum. It’s the same with your muscles). Spend 5 minutes climbing stairs or go for a brisk walk to warm up.



Yoga and Pilates both have functional flexibility at the core of their philosophy so finding a good class in either or both of these disciplines is a great way to begin to improve stretching.

However, you may feel more comfortable starting out in the comfort of your own home and progressing at your own pace – and there are plenty of quality resources to help you get started, this is one of the best:

http://www.stretching-exercises-guide.com/

http://www.stretching-exercises-guide.c ... niors.html

This site is really comprehensive, don’t be put off by the amount of information, just take the time to read the bits that are especially interesting to you. As well as looking at the pictures of the stretching exercises, it’s really important to read the accompanying text too.

Especially useful is the ‘how to stretch’ section.

The second link is part of the same site and is an excellent resource for ‘seniors’ (disturbingly classified as ‘over 35’s’!)

Make sure that you stretch when you have TIME, you need to really FEEL what’s happening in your body. To benefit from the positive effects of stretching takes time, patience and regularity – but surely……… in order to enable your body to function at its best, at whatever age, it’s worth the effort?

Pat Penny

Massage Therapist

European Register of Exercise Professionals

info@potential-energy.co.uk





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jardin



This is a time of year when it is important to stay on top of the weeding jobs in the garden, early action with a hoe will often save more back breaking work later in the year. If you don't already do so think about mulching your flower beds, ie spreading a layer of organic or inorganic material over the soil surface in and around your plants. Mulching helps to conserve moisture (particularly useful in our summer dry climate), suppress weeds and if you use an organic mulch then it will rot down over time and improve the quality of your soil. If you would like more information about this I have a pdf of a leaflet published by the Mediterranean Garden Society and will happily send this to you. If you grow repeat flowering roses be sure to deadhead them frequently to encourage more flowers, if you have roses that flower only once they can be pruned after flowering. Most commercially available roses are grafted; keep an eye out for any suckers (usually distinguishable by vigourous and different foliage) from below the graft point and remove them.

To many people the word geranium still means the (generally) half hardy ones that are so good for pots and window boxes, these botanically are pelargoniums but there are many hardy, perennial geraniums which are excellent garden plants. Geranium sanguineum is a European native plant that is in flower at the moment, it will grow in sun or half shade. The type species is a deep pink but there is also a lovely pure white form (Geranium sanguineum album) and a pale pink, lower growing form (Geranium sanguineum lancastriense). If you cut them hard back after flowering you will be rewarded with a second flush of flowers in September.

Remember that we are restricting our regular opening times to one weekend a month but will still always be available at any time for you to come and visit the garden, talk plants etc by appointment - just email or phone to organise a time. Regular opening times for the next few months will be 6/7/8 June, 11/12/13 July and 8/9/10 August. In addition our annual open weekend will be Sat 31st May and Sun 1st June, put it in your diaries now! The programme is at http://www.lapetitepepiniere.com/defaul ... 20Ouvertes . Remember too that we are always happy to organise guided visits of the garden here for groups.



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.

--
La Petite Pépinière de Caunes
21, av de la Montagne Noire,
11160 Caunes-Minervois
04 68 78 43 81







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The Property Page









front door 011smallarcher

Razes circulade village

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 99,000 euros. .






esp107

ESPERAZA
Former Presbetary with courtyard near town centre
107,000€
currencysqbann

40bargain

Village house to renovate with a courtyard of 80m²

40,000€

neilfront

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



Bordebasse du Lac - Cottage available for long term rental

Detached modern house

for sale in Montréal



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Holiday Apartment AiguaBlava,

Costa Brava

www.aiguablava.co.uk

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Naturist Property 97,500 euro

YOUR PROPERTY ADVERT HERE

50€
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plus
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If there is evidence to find him guilty "Rolf" should certainly go to prison..

Just being rich and famous should not be a camouflage for getting away with crimes that ordinary working people are punished for







Hi Peter,

http://www.pagesjaunes.fr/pros/07557369

at this link you will find the details for François Artige at Guitars Doktor, Avenue de Lyons, Toulouse. An excellent luthier who refretted my Strat and works regularly for professional musicians of my acquaintance.

Assuming that no major parts of the instrument are missing (it looks as if there ought to be a tailpiece and bridge), you can make an appointment with François, allowing you to deliver the guitar in the morning and collect it later the same day, thus avoiding a second trip to Toulouse (though it does make a nice day out because there are many good music shops in Toulouse . .

.). The shop is joined on to Fred's Guitar Parts where they hold a very large stock of parts.

best wishes, Eddie Castellan.











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


Jeudi 29 Mai 2014

Carcassonne Vide grenier brocante

Fontjoncouse Vide grenier

Gruissan Vide grenier

Narbonne Vide grenier de printemps

Narbonne Les amis des betes

Puichericvide grenier / brocante de l'Aappma

Rieux-Minervois Vide-grenier

Roquetaillade vide grenier brocante

Saint-Pierre-la-Mer Vide grenier association "les chats errants "

Trèbes Vide Greniers de l'Aqua Club Trébéen

Villalbe vide greniers

Villardonnel Vide grenier du Foyer rural de Villardonnel
Montgailhard Vide grenier
Samedi 31 Mai 2014

Cournanel La fête des beaux jours

Coursan vide grenier

Narbonne vide grenier de st estauche
Saint-Lizier Salon Tendance Zen

Saverdun vide greniers +brocante
Dimanche 1 Juin 2014

Capendu bourse aux armes et militaria

Carcassonne Vide grenier brocante

Carcassonne Méga Vide Grenier et sa 3ème Fête du pain

Coursan Vide grenier

Cuxac-d'Aude vide grenier des écoles

Escales Vide-greniers

Fabrezan brocante de la pêche

Ferrals-lès-Corbières Vide grenier

Gruissan A.S.L.C.

Leucate La Franqui Tante Marie vide ses greniers

Limoux vide grenier - Club des supporters du teize limouxin

Limoux brocante

Montréal Vide greniers / marché artisanal

Montredon-des-Corbières Vide grenier

Narbonne vide grenier de st estauche

Narbonne brocante & vide-greniers GEANT-CASINO 62 places Couvertes

Narbonne vide greniers Club Léo Lagrange

Narbonne-Plage Vide grenier de l'association PICA PAU PERCUS

Pezens Vide grenier

Rennes-le-Château Vide grenier

Rieux-Minervois vide grenier du rugby

Saint-Papoul vide grenier

Tournissan vide grenier

Villeneuve-la-Comptal vide grenier

Villesequelande vide grenier
Arignac vide grenier

Arnave vide-grenier de Printemps - Comité des Fêtes d'ARNAVE



Bélesta vide armoires



Léran Vide grenier ecole de leran


Mazères vide grenier mensuel




Pamiers Marché et puces et à la brocantes

Rieucros Vide grenier

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peter
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Location: Languedoc, France

Re: Aude and Ariege flyer 2014

Postby peter » Fri Jun 13, 2014 10:33 am

Bonjour
There has been lots of talk on blogs of the potential to claim back of a levy that the French government (apparently illegally according to the EU) had applied to all EDF bills.
Has anyone managed to get anything back on this so far? And if so how did you go about it?

The World Cup starts tomorrow and Sepp looks like he’s up for a red card. The man that said he wouldn’t stand again as President of FIFA. The man that said that women footballers should "wear tighter shorts and low cut shirts”. And in the early 1970s the man elected as President of the World Society of Friends of Suspenders, an organisation which tried to stop women replacing suspender belts with pantyhose! By the sound of it this man is true old school Swiss, has anyone had a look at his bank accounts? When in 2007 he decided that no football matches should be played at 2500 metres above sea level (he then changed it to 3000m later that year so that the Bolivian national team could still play) why didn’t he restrict games to grounds where the match time temperature was less than say 35 degrees? Surely it’s the same concept?


Is anyone driving from the Aude to Devon or nearby in the next couple of weeks who could bring some things up for me? Nothing large or illegal.

So the president of Paypal has defected to Facebook where he becomes VP of messaging products. Will they be developing a competing payment system? Facepay maybe or even Paybook?

Elon Musk, no not a perfume but the owner of Tesla motors, which produces the electric sports car, was part owner of Paypal in 2002 when it was sold to Ebay and he pocketed $163m from that. In 1999 he made $22m from the sale of a software company he created with his brother. His cousins are the biggest provider of solar power systems in the USA and he is the largest shareholder. This man seems unstoppable - his SpaceX, which he started in 2002, is contracted by NASA to replace the cargo transport function of the Space Shuttle. Were there such multi discipline entrepreneurs?

As Romania and Bulgaria are now so empty surely all the people fleeing Africa and Syria and now no doubt Iraq, could be housed in those countries short of population. And no, it’s not a racist comment it’s just using space where its available.

I suppose it’s not the first time a British prime minister hasn't wanted to see a Junckers.

Steve




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


Lost in France

When the summer comes and you are a biker you tend to think how nice it would be to get on your bike and take a blast along these lovely long French roads where there is little traffic to hinder you. You could get the one that’s sitting in a garage somewhere in England or even buy one here in France.
Of course it’s not that simple. For a start, similar to cars, the prices of motorbikes are on average 30% cheaper in the UK and have done half the mileage. But that’s not the only problem.
If you want to import your UK bike to France but are no longer a UK resident you won’t be able to insure it in France and probably if your bike is too powerful you won’t even be able to get as far as registering it here. All motorbikes in France are restricted to 100 bph for safety reasons and most modern 600cc motorbikes put out more than 100 bph and some have 200 bph as standard.
Since bringing in the 100 bph restriction there has been no apparent drop in the number of deaths on French roads and the irony is that when these restrictions were brought in 15 years ago by the French Government, the British Government was actually considering satellite tracking and automatic breaking on bikes. These people really do not understand the physics and the danger this creates.
Although there are stringent rules in place for the power of the bike, there appears to be no similar tests or rules to check the road-worthiness or mechanical health of the bike. There is no requirement to have an MOT so it could have a serious mechanical defect but as long as the engine is restricted to 100 bph you would have a long and fruitful life!
If anyone reading this knows of any information on how to register a powerful UK bike, do let us know via mail@audeflyer.com. We have seen that there have been directives to local prefectures telling them that they cannot object to someone bringing a motorbike from the UK which is registered after 2003 on the grounds of it being over 100 bph but we aren’t sure how accurate this is. And there is a proposal that in 2016, the restrictions on 200 bph will be lifted, so they have plenty of time to reverse that decision.



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Stick or Twist? Or maybe both? Let me explain.
Thankfully, despite the ups and downs of the UK housing market and the £/€ exchange rate, there are still plenty of new expats arriving in France. It is noticeable though that quite a few of us are taking the decision to return to the UK. At first, this trend surprised me, but then I began to think about it in more detail.

I always have the same conversation with all my new clients. Where do you think you will be living in ten, twenty, or thirty years’ time? The most popular answer is here, in France. ‘Wild horses wouldn’t drag me back.’ ‘I’ve escaped from the concrete jungle, why would I want to go back?’ ‘ I only go back when I have to, to visit relatives. If they weren’t there, I’d never go back.’

That is of course the more entrenched end of the market. A lot of people will qualify their enthusiasm for being here by using the word ‘we’, and it is an important detail, conveying ‘I know where I want to be as long as my spouse/partner is with me, but I don’t know what will happen when that isn’t the case’. And just in the cause of balance, yes, I have met potential clients who said that they were here to try out the lifestyle, and if it didn’t suit, they would go straight back. That stance is however rare.

I then realised that time does, indeed, fly by. I’ve been talking to new expats for over eight years now, and we all get older. Some even wiser. Should I be surprised that some of my early clients have returned to the UK? Probably not. The reasons they give are interesting, and make a lot of sense. Illness and death are way up on the list of reasons to go ‘home’. Not your own death of course, but that of your partner. Widow(er)hood can be a lonely place. And we all know that the French health service is one of the best in the world, but it’s not English, is it? We might feel linguistically comfortable in a restaurant, a garage, or a supermarket, but when it comes to being interned in a foreign hospital with our internal organs at stake, it’s a different matter.

Divorce is another deal breaker, as is debt, but number three in my league table of reasons to be homesick is/are – grandchildren. A natural progression. We have children, they have children, and we feel a very strong emotional tie to those children. Being a thousand miles away doesn’t feel very good, and the pressure grows with them.

Where, you might ask, is this all leading? Am I reading a dissertation on the social demographics of Europe, or is this bloke supposed to be a financial adviser? Fair cop, let’s get back to finance. The reason I’ve been thinking about how and why some clients return to the UK is totally financial. I used to be a corporate foreign exchange dealer. An important part of that job was teaching clients how to avoid exchange rate risk, and how to eradicate it or at least manage it if they already had it. The problem with expats is what is avoiding risk and what is creating it?

If you relocate to France and it is your avowed intent never to leave these shores again, the only way to avoid F/X risk is to move all of your assets into Euro. At the other end of the scale, if you come to France for a three month holiday, you would be mad to change all your sterling into Euro, with the likelihood that you would change it all back again three months later. So where does this leave our undecided expat, who might live in Euroland for twenty years or more, but then return to the UK?

Stick or Twist?

Now my job starts to get a bit complicated. To give you the best advice on your investments and pension funds, I have to decide what your real expat profile is. Luckily for both me and my clients, the choice isn’t all black and white. There are shades of grey. You can indeed ‘stick and twist’ at the same time. I tend to take a different view of pension assets than I do to investment funds. One of the great selling points of transferring your pension fund outside of the UK is that you can invest it in Euros, but if there is even an outside chance that you will be spending your latter years in the UK, should you desert sterling? Don’t think I’m arguing against transferring your pension though. There are plenty of other benefits, and you can transfer and keep your fund in sterling.

Investment funds I see as being more flexible. I’ll take Assurance Vie as a given here. If you don’t know what it is, send me an email immediately. You don’t however have to make any full term commitment to either currency. You can in fact have both, and a number of clients are now taking that option. You can have as many assurance vie contracts as you like. This offers both flexibility of currency choice, and also of investment method.

To summarise then, my message is that it is important to get your investments into a tax efficient environment, but it is also important to decide what currency to be in at what time. I’d like to think that I’m in a good position to help you make those choices.

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

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/spectrum-if ... t-charter/





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Tech Talk with Bruce




Computer running slowly, Internet Explorer crashing and unexpected errors, or worried about cookies and other temporary files on your computer? There is a very easy answer and it's called Ccleaner it fixes it all these things and a lot more in one easy-to-use program and best of all it's free.
Running a clean once a week can have an amazing effect on your computer, Windows computers use something called temporary files to give you functions like “undo”, or “back button” in Internet Explorer. To allow the computer to do this it creates a small file with all the information and history to allow you to go back one or more steps. Unfortunately Windows is very bad at removing the small temporary files when it has supposedly finished with them, instead it tends to leave them in place and adds new ones meaning you end up with many hundreds or in some cases many thousands of temporary files on the computer. The result of having too many temporary files is that it takes Windows a very long time to look through them all and runs very slowly, running the cleaner will remove all the temporary files thereby speeding up Windows.
How to use C cleaner.
As soon as you start Ccleaner you will automatically be taken into the cleaning mode and on the bottom right-hand side is a “run cleaner” button pressing this button will immediately start the cleanup process. There are no settings that need to be changed unless you specifically want to keep any of the items listed on the left, some people like to keep history or recently typed URLs to make it easier to go back to websites that they visited previously, use the advanced tab for other browsers. I would suggest running this clean up once a week.
Ccleaner also has a registry cleaner built-in, the registry is a central database that tells Windows how to use each program and remembers all the settings and options. This database needs to be cleaned once in a while as broken links, dead ends, invalid entries build up over time, by running this clean it will fix common problems and also speed up the computer. Click on registry on the left, then click “scan for issues” and when the scan is complete click on “Fix selected issues”. It's very important that when you are asked you backups the registry file - failure to do so could result in changes that cannot be undone and can in extreme cases crash Windows. After the registry file has been saved it's then safe to click on “fix all selected issues”. I would suggest running this scan once a month.
Clicking on the tools option on the left will take you to a list of all programs installed on your computer and allow you to uninstall them. If you downloaded a program from the Internet or installed a program from disc and no longer use its then you can remove it from your computer, you need to be very careful not to remove something you need so if you don't understand or don't know the name of the program it's best left in place.
The other options listed in the tools menu are more advanced and should be used with extreme care, you don't want make the situation worse. If the above suggestions have not made any difference to the speed of your computer then you might need some additional help to remedy the problem.
Ccleaner can be downloaded for free from www.ccleaner.com its updated regularly with new functions and more vigorous cleaning so run the updates when you see them.
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.

bruce11614





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jardin

June is usually the month when the weather starts to warm up and if you haven't already done so it is a good time to make sure you are up to date with all the late spring jobs like pruning spring flowering shrubs, cutting back spent foliage on bulbs and keeping an eye out for aphids. Don't forget to deadhead repeat flowering roses. As the weather warms up remember too to keep an eye on the watering needs of anything that you have planted recently and particularly on plants in pots and hanging baskets.

I am often asked about plants to trail over walls and terraces; one super plant for such a situation is Malvastrum lateritum. It is a semi evergreen ground cover, fast growing and with stems that root by layering. The flowers are an unusual apricot colour and occurr from May to July. It will take full sun or half shade.

Remember that we are restricting our regular opening times to one weekend a month but will still always be available at any time for you to come and visit the garden, talk plants etc by appointment - just email or phone to organise a time. We encourage people to visit the garden during the summer to look rather than to buy! Regular opening times for the next few months will be 11/12/13 July, 8/9/10 August and 12/13/14 September. Remember too that we are always happy to organise guided visits of the garden here for groups.


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.
--
La Petite Pépinière de Caunes
21, av de la Montagne Noire,
11160 Caunes-Minervois
04 68 78 43 81



The Property Page




front door 011smallarcher
Razes circulade village
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 99,000 euros. .



esp107
ESPERAZA
Former Presbetary with courtyard near town centre
107,000€
currencysqbann
40bargain
Village house to renovate with a courtyard of 80m²
40,000€
neilfront
Villa for sale 11390 Brousses-et-Villaret Aude 295,000 €

Bordebasse du Lac - Cottage available for long term rental
Detached modern house
for sale in Montréal

bennettsplead
Holiday Apartment AiguaBlava,
Costa Brava
www.aiguablava.co.uk
002
Naturist Property 97,500 euro
YOUR PROPERTY ADVERT HERE
50€
for 13 editions (6months)
plus
link to your own web page

readers write


all replies to mail@audeflyer.com

I have 3/4 hectare of Carrignan vines which will produce around 1200 kilos of grapes. I am looking to sell them instead of pressing this year. If interested or know someone who may be, please email me with a price per kilo. My vines are organic; I do not use any pesticide or herbicide. I spray only with Bio product against Oimodium which I have to legally do


Hi Steve,
I love getting the flyer. Makes me feel close to my beloved Ariege when the British summer is doing its worst.
I apologise if I am joining the great British TV debate very late but I am hoping to ride on the back of others experience and work out the best options.
I have a house about 20 mins from Mirepoix. We got our British TV through a satellite and a Humax freesat box. Like everybody else, we started losing our channels in February but because we are in the process of selling our old house, have not bothered doing anything about it. We complete next week on a house in the centre of Mirepoix and we want to arrange for a new satellite to bring us British TV and also to install broadband. I am completely confused by everything I read but I get the impression that if you want to do both by satellite, you need two satellites and given the size of the dish we are now likely to need for the TV, would need planning permission for that one at least, if not both. I don't really want two dishes on the wall, even if I get permission. Am I right in assuming I will therefore need to source my TV from a large dish and my broadband via a phone line, which I will also need to get fitted? I have looked at sourcing TV through the internet but I just don't think it would be reliable enough.
Please can anybody recommend the best way to get both TV and broadband for people who are currently not able to be in France very often and therefore would like to reduce/avoid large ongoing subscriptions. I am assuming I will need to go to one of the phone companies for the phone line and broadband. I'd better start girding my loins!
As you can see, I really haven't got a clue about any of this and would appreciate any advice.
Best wishes,
Hilary


Dear Steve,
Some time ago we took a holiday at a friend’s house in Andalusia. He had a local magazine in English entitled Costa Calida Chronicle. In it we found a short article about passing the Spanish driving test. With a few of our additions to suit local conditions, it went like this:
Setting Off
Start your manoeuvre, then look in your mirrors and then signal if you feel like it.
Approaching a roundabout
Remember you have priority. There’s no need to look for traffic coming from your left.
Negotiating a roundabout
If you are taking third or fourth exit, go round the outside lane and slice the bonnet off anyone turning right or going straight on. (Remember not to use your indicators)
Safety distance
Drive as closely as you possibly can to the vehicle in front, and should the driver brake unexpectedly, toot your horn.
Traffic lights
When a light turns green , finish your conversation with your passenger or on your mobile phone, take the handbrake off slowly, get into gear and in due course move off. However, if you are second in the queue and the driver in front is carrying out the approved procedure, blast him with your horn.
Overtaking
Only overtake a vehicle if there is a bend or a blind summit coming up, or if you just want to show that your car is faster than anyone else’s. Also, if there are no summits or bends, ensure that there are at least 2 kilometres of clear road ahead. Until this condition exists, follow the vehicle you wish to overtake as close as possible (see Safety distance, above).
Slow moving vehicles
If you can see that the oncoming traffic wants to overtake a tractor, hog the middle of your lane to make sure they can’t.
Narrow mountain roads
Drive as fast as you can in the middle of the road.
Pedestrians
Pedestrians are a nuisance. If they want to cross at a pedestrian crossing, or anywhere else, ignore them and drive on. They’ll soon get the message.
Parking
Never park more than 1.5 metres further than where you want to be, so as to save your legs. Pedestrian crossings are handy for this. Double parking is also a good idea but remember to put your hazard warning lights on.
Junctions
When approaching a major road from a minor one with a STOP sign, approach the junction at a good speed, brake hard, and overshoot the stop line sufficiently to scare any approaching driver. After they have swerved to miss you, reverse half a metre to show how considerate you are.
Speed
There are two options here: Either drive as fast as you possibly can on any road to make sure that children, children and pets don’t stand a chance; or, talk to you passenger or someone on your mobile phone, making sure that you wave your hands and arms about as much as possible and drive frustratingly and dangerously slowly.
Ensure that your roadside shrine is tasteful and fitting – no plastic flowers.

Some of these rules may apply in other European countries.
Best regards,
John and Carole LeBrun


Hi Steve,

No, you asked whether anyone had seen any info on the British driver killed in an accident near Montpellier.

The last item (linked to Google Earth) showed some information, including that a couple of days later, the Gendarmerie did indeed discover 23kg of drugs in a closed compartment.

By the way, I should have said - nice work on the Flyer, I enjoy it each time. :)

cheers
Julian







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 14 Juin 2014
Belvèze-du-Razès Vide grenier
Cassaignes LE GRAND VIDE GRENIER 2eme Edition
Coursan vide grenier
Floure vide greniers
Moux vide greniers brocante de La Petite Fugue
Narbonne vide grenier de st estauche
Lézat-sur-Lèze fêtes de la St Antoine
Saverdun vide greniers +brocante

Dimanche 15 Juin 2014
Argens Minervois Vide grenier annuel du tennis club
Azille vide grenier
Bize-Minervois 3e vide grenier du petanc club de bize minervois
Capendu vide grenier
Carcassonne Vide grenier brocante
Carcassonne Vide grenier du Lions Club
Castelnaudary vide grenier de la zone d'en tourre
Castelnaudary vide grenier et marche aux puces
Cazilhac Vide grenier
Coursan vide grenier
Coursan Grand Vide Grenier du Club 70
Cruscades vide grenier
Donazac vide grenier
La Pomarède Vide Greniers
La Redorte vide grenier des sapeurs pompiers
Lagrasse Brocante Vide grenier
Leucate-Plage Vide-greniers
Narbonne vide grenier de st estauche
Narbonne vide grenier
Narbonne-Plage vide grenier
Paraza Vide-greniers
Pennautier Vide-greniers
Port-la-Nouvelle Vide grenier des Sapeurs Pompiers de Port la Nouvelle
Saint-André-de-Roquelongue vide grenier brocante bourse au jouet
Saint-Nazaire-d'Aude vide grenier du FC St Nazairois
Saint-Pierre-la-Mer Vide grenier association ‘les chats errants’
Villalbe Vide greniers 2014
Villalier vide grenier de l ACCA
Villemoustaussou vide grenier des vieilles cylindrées
Villespy vide grenier


Mirepoix vide grenier de l'ecole de rugby de Mirepoix


Pamiers Marché et puces et à la brocantes
Saint-Girons Les puces du champ de mars
Sautel vide-grenier de printemps
Vals vide grenier
Mardi 17 Juin 2014
Foix Marché de nuit de l'Estive
Samedi 21 Juin 2014
Coursan vide grenier
Narbonne vide grenier de st estauche
Port Leucate vide greniers
Salsigne association AVNIRS
Verzeille Vide grenier
Saverdun vide greniers +brocante
Dimanche 22 Juin 2014

Alairac fête de la chasse
Albières Vide grenier
Armissan vide grenier du tennis club Armissan Tennis Clape
Brugairolles Vide-greniers
CarcassonneVide grenier brocante
Carcassonne vide grenier
Carcassonne Vide grenier des p'tits loups de la barbacane
Conques-sur-Orbiel Vide Grenier des Ecoles
Coursan vide grenier
Cuxac-Cabardès Vide grenier, brocante, fête de la nature
Gruissan Vide-greniers d'été de l'echo de la Granhota
Limoux vide granier Calandreta
Marcorignan vide grenier benefice animaux abandonnes produit terroir
Narbonne vide grenier de st estauche
Narbonne vide grenier ASPTT
Narbonne-Plage Vide grenier
Paraza Bourse aux armes
Pezens Vide-grenier de l'école de Pezens
Roquefort-des-Corbières vide grenier anim 540
Sainte-Camelle vide-greniers/ foire à tout
Sallèles-d'Aude Vide greniers FCS
Besset Vide greniers
Foix Vide greniers pompiers de foix
Le Vernet Vide Grenier du Vernet d'Ariègev
Mirepoix Club gymnastique volontaire
Ornolac-Ussat-les-Bains Vide Grenier organisé par le Comité des fêtes
Pamier Marché et puces et à la brocantes


truffcarcroull
What's On


JOE BONAMASSA 19 June Zenith Toulouse
WORLDWIDE FESTIVAL w Giles Peterson 30 June to 6 July Sete
INDOCHINE, VANESSA PARADIS , BLONDIE, THE SELECTER
7 July Argeles sur mer
SEASICK STEVE, UB 40 8 July Argeles sur mer
KEZIAH JONES, PHOENIX, LILY ALLEN 9 July Argeles sur mer
EELS 11th July Bikini Toulouse
JEFF BECK 12 July Sete
ELTON JOHN 15 July Carcassonne Festival
LANA DEL REY 17 July Carcassonne Festival
GREGARY PORTER 17 July Sete
DR JOHN 18 July Sete
JOE SATRIANI + CHICAGO 19 July Carcassonne Festival
FRANZ FERDINAND 20 July Carcassonne Festival
MASSIVE ATTACK 24 July Carcassonne Festival
THE JACKSONS 25 July Carcassonne Festival
VANESSA PARADIS 28 July Carcassonne Festival
JAMES BLUNT 30 July Carcassonne Festival
PHARRELL WILLIAMS 6 Oct Zenith Toulouse
LILY ALLEN 29 Oct Zenith Toulouse
PETER GABRIEL 16 Nov Zenith Toulouse
SAXON +SKID ROW 26 Nov Bikini Toulouse
DISNEY ON ICE 30 Jan 1 Feb Zenith Toulouse
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peter
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Re: Aude and Ariege flyer 2014

Postby peter » Wed Jun 25, 2014 7:09 pm

Bonjour
I’ve heard nothing back from EDF about my potential refund. I sent off three separate letters (for three separate accounts) which were accepted and signed for. My letter was addressed to the Minister in charge of the regulation of energy and said that because of the law which stated energy companies were still charging a tax which had been deemed illegal I would like €xx refunded and enclosed the bills with evidence for that amount. They were sent at the end of April.

If you still wish to have a go heres what and where


Monsieur le Président
Commission de Régulation de l’Energie
15 rue Pasquier
75379 PARIS Cedex 08
28th April 2014
Monsieur

Suite à l’arrêt de la Cour de Justice de l’Union Européenne daté du 19 décembre, 2013 (affaire C-262/12) concernant la Contribution au service public de l’électricité, je réclame par la présente un remboursement des sommes relatives à la CSPE figurant sur mes factures d’électricité et payées par moi-même au cours des 24 derniers mois précédant la réception de cette lettre (€ xxx).

Je joins à cette lettre des exemplaires de mes factures.

Dans l’attente de votre réponse, veuillez agréer, Monsieur, mes sincères salutations,


Clearly June is the month not to try to go anywhere in France, what with the trains and air traffic controllers, oh and taxis. It’s just better to stay put and potter locally.
I am writing this and then constructing the current Flyer you have received on what’s considered to be an out of date laptop. It’s certainly is over three years old and makes all kinds of funny noises. It is being very lethargic and it leads to a very frustrating time at the desk. With the able assistance of Bruce Taylor I know what I need to buy but I also need to buy Windows Office and was struggling with the idea of paying £300 for software. I have used the same software for a decade or more and don’t wish to change and just couldn’t see myself stumping up that much money. Then I get a mail from the Google corporation telling me I can spend £1000 on their Google Glass which has been newly launched in the UK. Funnily enough I was much happier to spend that for a new toy than on software that is essential for my day to day operations. How strange!

Francois Hollande calls for flexibility in EU budget rules, this means that he knows that his government won’t make the targets so he’s preparing the way to try to avoid criticism and sanction down the line.

The jury should be coming up with verdicts on His Rolfness very soon, I can’t imagine what the new TV series will be if he goes inside. Strange times eh, who would have thought it?
I don’t understand how so many Dutch cars can be on the roads all over Europe in the summer and that the country still appears full when you are there, has anyone any idea where they are all coming from?

So Vladimir Putin agreed a cease fire with the President of Ukraine and appears to have said something quite different to the freedom fighters. Does he think we won’t find out?

More storms in France which can’t be good for the vines and it’s been scorchio in the UK but that will all change as Glasto and Wimbledon get under way.

Steve




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


Lost in France


It’s our local village post office which amuses me. The lady who works there is very helpful and friendly but sometimes I just wonder, like most things technological, if she is being set up to fail.
In the larger post offices there are machines which help you weigh and pay for your items without the bother of having to queue at the counter. And it appears that the lady behind the desk in the village goes through the same system, but somehow it doesn’t appear to be as efficient. She weighs the item on the scales (which isn’t connected to her computer). Next she keys in the weight into the online form which gives her the price. She then finds the stamps to the amount of the price on the screen and registers them with her handheld barcode scanner which inputs the information which then allows her to print out the postage label. Am I missing something here?
If you are lucky she doesn’t go back and do the whole process again, just in case she has made a mistake. And it’s not that she is new there, she’s been doing this for a good while so knows how the system works and maybe that’s the point.



LATINO 04.07 AUDE
HazelOConnorAES378x535
lenetwork bmw


61specto


The European Central Bank made headline news again at the beginning of June, as it reduced its main interest rate from 0.25% to 0.15% and lowered its deposit rate into negative territory from 0% to -0.1%.

The reduction in the interest rate makes it less expensive for other banks to borrow from the ECB and ‘in theory’ this should result in credit flowing out to the wider Eurozone community. At the same time, the negative deposit rate means that the ECB will charge banks for keeping their excess liquidity on deposit with it. The thinking is that this should discourage the banks from making the deposits and instead, make the money available for lending to households and business thus, encouraging growth.

These measures are part of a package that also aims to increase the rate of inflation in the Eurozone, which continues to fall, as demonstrated by the change in the Harmonised Index of Consumer Prices for May, when the annual rate of inflation fell from 0.7% to 0.5%. However, there are many who think that the current measures are insufficient to turn the trend from continuing towards deflation and feel that more aggressive action should have been taken by the ECB, including an expansion of Quantitative Easing.

What does this mean for savers? There is only one answer and that is “bad news”. Even if the banks do start to lend more money into the wider community, since they can borrow from the ECB at 0.15% to do this, why would they borrow from the public (i.e. the savers) at a higher rate?

We have been living in a very low interest environment for several years now, although this is the first time that the Eurozone has gone into negative territory in ‘nominal’ terms. In ‘real’ terms (i.e. taking into account inflation), we have already experienced negative returns from bank deposits and even the most cautious of investors are now prepared to look at alternatives.

One such alternative is a particular fund in which many of our clients have already invested. Despite the fact that the fund is conservatively managed, over the last four years to the end of May 2014, the Sterling share class has still been able to grow by more than 36% and the Euro share class by 30%. After taking into account annual management charges on the fund, the three year annualised return is around 7% for Sterling and around 5.5% for Euro. A growth fund is also available for those investors who wish to take more risk and USD share classes are available for both the cautious and the growth funds.

The funds are part of those of a large insurance company, which has a history going back for more than 160 years. The company is well capitalised and so clients feel comforted by the safety of investing with such a solid company.

One of the unique features of the funds is the delivery of a smoothed investment return. On a daily basis, each of the funds grows in line with an expected growth rate, which is the rate of return that the company expects the assets in which the funds are invested to earn over the long-term. This approach aims to smooth out the usual peaks and troughs of investment markets and so is particularly beneficial to investors seeking an income from their capital.

Do you have a feeling of déjà vu at this point and are you thinking where have I heard about these levels of investment returns for a cautiously managed fund before? That’s easy to answer because Rob wrote about the same funds in March. What’s interesting is that whilst we are both quoting the same levels of investment returns, Rob was quoting these for an earlier four year period, i.e. for that ending December 2013.

It is a well-known regulatory requirement for product providers and investment managers to tell investors that “past investment performance is not a guarantee of future performance”. Whilst this is true, in reality it is only by looking at the past investment performance of a fund that one can really judge the skill of the fund manager. This is not just about how good the manager is at picking stocks - but more importantly - about how risk is managed, particularly through market downturns. Happily, when I am discussing the above funds with clients, I am able to demonstrate the skill of this insurance company by showing a sixty-year history of positive investment returns on an annualised basis over 8, 9 and 10 year periods. This is another reason why cautious investors – who would have previously only ever placed their capital on bank deposit – are very comfortable about switching to this alternative choice.

If you are interested in finding out more about these funds and you would like to have a confidential discussion about your financial situation, please contact me either e-mail at daphne.foulkes@spectrum-ifa.com or by telephone on 04 68 20 30 17.

The above outline is provided for information purposes only and does not constitute advice or a recommendation from The Spectrum IFA Group to take any particular action on the subject of investment of financial assets or on the mitigation of taxes.

The Spectrum IFA Group advisers do not charge any fees directly to clients for their time or for advice given, as can be seen from our Client Charter at
http://www.spectrum-ifa.com/spectrum-if ... t-charter/.


Daphne Foulkes
SIRET 522 658 194 00017
Numéro d’immatriculation ORIAS 10 056 800




Forward this Flyer to friends and anyone else you know who may find it useful
csf25614

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



sofabed

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Carolyn Knight new ad


Aude Flyer sept 2013
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f ithead3010

GETTING TO GRIPS WITH CHOLESTEROL


What is it?
How can it affect your health?
How can exercise influence your cholesterol?
fitb25614
What is Cholesterol?
Cholesterol is a waxy fat-like substance, found in the bloodstream as well as in bodily organs and nerve fibres. The body uses cholesterol to make hormones, bile acids, vitamin D, and other substances. Most cholesterol in the body is made by the liver from a wide variety of foods, especially from saturated fats, such as those found in animal products. A diet high in saturated fat content, heredity, and various metabolic conditions such as diabetes mellitus influence an individual's level of cholesterol. Cholesterol levels usually rise steadily with age, more steeply in women, and stabilize after middle age.
Rather than your total cholesterol being the most important figure, it’s really how this figure is made up that is important. There are three parts to consider:
LDL – Low density lipoproteins
HDL –high density lipoproteins
Triglycerides
LDL (‘L’ for Lousy!) Cholesterol
Think of LDL as a bunch of lazy workers in the body! When we eat too much saturated fat, we get an excess of cholesterol in the body – the LDL can’t really be bothered to dispose of this stuff so it just plasters it on the walls of our arteries! This can then form plaque – a thick, rough deposit that can narrow the arteries. If a blood clot then becomes attached to the roughened artery walls, the narrowed artery can become block and a stroke or heart attack can result.
HDL (‘H’ for Healthy!) Cholesterol
HDL cholesterol are the ‘good guys’, they scrape the cholesterol off the artery walls and take it back to the liver where it can be passed from the body, so high levels of HDL seem to protect against heart attack.
Triglycerides
Triglyceride is a form of fat made in the body. Elevated triglycerides can be due to overweight/obesity, physical inactivity, cigarette smoking and excess alcohol. People with high triglycerides often have a high total cholesterol level, including a high LDL (bad) level and a low HDL (good) level.
You can have a seemingly high total cholesterol level that turns out to be OK if your HDL is high and your LDL and triglycerides figures are relatively low. If you have a cholesterol test done, you should always ask to receive a copy of the results where the levels of cholesterol are separated out together with guideline ‘healthy’ level figures.

How can exercise influence your cholesterol level?

Exercise is an effective way to naturally lower cholesterol. Exercise is known to help considerably with weight loss, and many overweight people typically have excess LDL cholesterol and triglyceride levels. Exercise also has the effect of promoting circulation which helps to clear deposits that may have built up in the blood vessels. Research has also shown that exercise can increase the level of HDL (the good cholesterol) in the body.
The type of exercise you do is less important for cholesterol control than how often and how regularly you do it.
So don’t be too concerned about whether you’re walking or running, swimming or biking, lifting free weights, using weight machines or doing strenuous gardening or DIY. It’s all exercise, and it’s all good for improving your cholesterol profile.
Whatever type of exercise you’re doing, you may believe you need to “feel the burn” to reap real benefits. That may be so for certain fitness goals, but it has nothing to do with improving cholesterol and triglycerides.
Something as simple as walking for 30 minutes every day could have a significant impact on your cholesterol and your health in general.


.Pat Penny - Health and Fitness Specialist, Massage Therapist
European Register of Exercise Professionals
info@potential-energy.co.uk mailto:info@potential-energy.co.uk">info@potential-energy.co.uk








bruce11614




bridge

Bridge Problem by Lizzie Godfrey.

You are in 3NT and they lead a small heart to the Jack on your right. Plan the play.


Dummy
K 3
8
A J 10 9 8
9 7 6 5 4

Your hand
A 7 6 5
A K 10
Q 7 5
K Q 2

Solution.

If you immediately took the diamond finesse – a 50/50 shot....well you had a better line. If the diamond finesse loses, a heart return sees you making only eight tricks. You can combine your chances by playing a diamond to the Ace and a club towards your King/Queen. If this is ducked, a return to diamonds sees you with nine tricks. If it is won on your right and a heart is played, clubs 3/2 will see you home and, if the King is taken by the Ace on your left, a heart return will give you an extra trick.






meteo ciel3


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




jardin




"June is usually the month when the weather starts to warm up" is the phrase I used when I last wrote some notes for the Flyer, with hindsight it seems like a bit of an understatement; the first ten days of June saw record breaking temperatures in many parts of France and, at the time of writing, it is still very warm. Unfortunately the Languedoc is still in a drought situation and water restrictions are already in place in the Hérault with the departements of the Aude and the Gard keeping a close eye on how things develop. So, while keeping an eye on the watering needs of plants is important it is also important to be aware of these wider issues and do as much as we can to conserve water and recycle where possible, even simple things like using water that has washed vegetables for your pot plants can help.

Wisteria, once established, seems to grow while you watch and now is a good time to cut back long, leggy growths by about 30cm or so. Many spring flowering annuals and perennials will have set seed already and these can be harvested, stored in a brown paper bag or similar in a cool, dark place ready for an autumn sowing.

Plants which, despite the heat & drought, will flower throughout the summer months are needed to keep colour in the garden. One large,deciduous shrub or small tree which flowers from mid June until mid September is Chilopsis linearis or Desert Willow, it is a relative of the popular Trumpet Vine which comes from the south west of the US and Mexico and has lovely purple pink flowers. The Chilopsis needs a sunny position, poor soil and good drainage, it is winter hardy to around -15]C.


Remember that we are restricting our regular opening times to one weekend a month but will still always be available at any time for you to come and visit the garden, talk plants etc by appointment - just email or phone to organise a time. We encourage people to visit the garden during the summer to look rather than to buy! Regular opening times for the next few months will be 11/12/13 July, 8/9/10 August and 12/13/14 September. Remember too that we are always happy to organise guided visits of the garden here for groups.


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.
--
La Petite Pépinière de Caunes
21, av de la Montagne Noire,
11160 Caunes-Minervois
04 68 78 43 81












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Price 99,000 euros. .



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Holiday Apartment AiguaBlava,
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link to your own web page

readers write


all replies to mail@audeflyer.com please
Correspondence was flying about re the motorcycle article in the last flyer and i hope to include it in the next Flyer


Hello Steve,

Would you know of a person in the area able to notarize a document in English, please?
Thank you

Francoise Bonhoure


Hi Steve,
Please thank Eddie Castellan for me for his recommendation for a luthier for my guitar.
Peter


Part time resident looking to find classic car enthusiast to assist in maintenance and enjoyment, Quillan area




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 28 Juin 2014
Coursan vide grenier
Fourtou Vide grenier Musica
Lapradelle vide grenier de lapradelle-puilaurens
Narbonne vide grenier de st estauche
Saverdun vide greniers+brocante
Dimanche 29 Juin 2014
Arques vide-grenier
Carcassonne Vide grenier brocante
Coursan vide grenier
Lasserre de Brenac Vide Grenier
Leucate puces nautiques vente de bateaux d'occasion
Leucate La FranquiTante Marie vide ses greniers
Luc-sur-Orbieu Vide Grenier "Los Footéjayres" et "Fitiavana Madagascar"
Mailhac Vide grenier de la petanque
Marseillette Vide grenier
Montolieuleclub des retraités: vide-greniers & bourse aux vêtements
Moussoulens vide-grenier
Narbonne vide grenier de st estauche
Ouveillan Vide-Greniers
Payra-sur-l'Hers vide-greniers
Peyriac-de-Mer 1er grand vide grenierde l'acca peyriac dde mer
Rieux-Minervois vide grenier du foot haut minervois olympique
Salles-d'Aude 5 eme vide grenier de l'amicale pompiers de salles d'aude
Villegly Vide grenier comité des fêtes de Villegly
Villemoustaussou Vide grenier
La Bastide de Lordat foire et vide grenier
Léran Vide Grenier
Pamiers Marché et puces et à la brocantes
Saint-Girons vide grenier brocante association autour des williams
Verniolle Vide grenier des enfants de l ecole de verniolle
Jeudi 3 Juillet 2014
Les Cabanes de Fleury Vide greniers aux cabanes de fleury



Vendredi 4 Juillet 2014
Narbonne Brocante de narbonne place voltaire
Samedi 5 Juillet 2014
Coursan vide grenier
Narbonne vide grenier de st estauche
Narbonne Brocante de narbonne place voltaire
Port Leucate vide greniers
Foix vide GrenieretVide Poussette Vintage
Saverdun vide greniers +brocante
Dimanche 6 Juillet 2014

Carcassonne Vide grenier brocante
Chalabre vide grenier
Conques-sur-Orbiel Vide-greniers du SCION CONQUOIS (Société de Pêche)
Coursan vide grenier
Cruscades vide grenier
Cuxac-d'Aude Vide Grenier au Parc de la Bourgade
Embres-et-Castelmaure vide greniers
Fabrezan brocante de la pêche
Ferrals-lès-Corbières Vide grenier du Petanque Club Ferralais
La Redorte vide grenier
Labastide-d'Anjou 10eme Vide-Grenier du Comité des Fêtes
Lagrasse brocante vide grenier
Limoux La mensuelle le 1er dimanche
Marseillette Vide grenier
Narbonne vide grenier de st estauche
Palaja Traditionnel Vide Greniers de l'Age d'Or
Pennautier vide grenier Cyclo club Pennautieroi
Peyriac-de-Mer Vide-greniers associatif
Peyriac-de-Mer Vide dressing
Saint-Frichoux vides_greniers puces rural agricole peche a la truites
Saint-Pierre-la-Mer vide greniers Brocantes
Villasavary passejaires
Villeneuve-les-Corbières vide grenier" parmi nous"
Celles vide-grenier
L'Hospitalet-près-l'Andorre Vide grenier
Mazères vide grenier mensuel
Mirepoix vide grenier
Pamiers Marché et puces et à la brocantes
Saint-Lizier marché aux Puces, de la cave au grenier
Siguer vide grenier







truffcarcroull
What's On



WORLDWIDE FESTIVAL
w Giles Peterson 30 June to 6 July Sete
INDOCHINE, VANESSA PARADIS , BLONDIE, THE SELECTER
7 July Argeles sur mer
SEASICK STEVE, UB 40 8 July Argeles sur mer
KEZIAH JONES, PHOENIX, LILY ALLEN 9 July Argeles sur mer
EELS 11th July Bikini Toulouse
JEFF BECK 12 July Sete
ELTON JOHN 15 July Carcassonne Festival
LANA DEL REY 17 July Carcassonne Festival
GREGORY PORTER 17 July Sete
DR JOHN 18 July Sete


JOE SATRIANI + CHICAGO 19 July Carcassonne Festival
FRANZ FERDINAND 20 July Carcassonne Festival
MASSIVE ATTACK 24 July Carcassonne Festival
THE JACKSONS 25 July Carcassonne Festival
VANESSA PARADIS 28 July Carcassonne Festival
JAMES BLUNT 30 July Carcassonne Festival
PHARRELL WILLIAMS 6 Oct Zenith Toulouse
LILY ALLEN 29 Oct Zenith Toulouse
PETER GABRIEL 16 Nov Zenith Toulouse
SAXON +SKID ROW 26 Nov Bikini Toulouse
DISNEY ON ICE 30 Jan 1 Feb Zenith Toulouse
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peter
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Posts: 4299
Joined: Sun Feb 12, 2006 3:41 pm
Location: Languedoc, France

Re: Aude and Ariege flyer 2014

Postby peter » Thu Jul 24, 2014 9:13 pm

Bonjour

France continues to isolate itself rather than embrace the modern world. Many of you joined Crashpadder when I featured it in the Flyer for many months a few years ago, and that company was consumed by a US business doing the same thing - Airbnb. France has raised doubts as to whether this company is legal and has fined one Frenchman €2,000 for illegally subletting his apartment on the site.

“It remains difficult to precisely estimate the activity (of websites like Airbnb), because they are not domiciled in France and not listed on the Paris stock exchange” the report by MPs Eric Woerth and Monique Rabin said. “They are also not subject to the annual requirement to disclose their accounts. It seems that their figures remain secret,” said Woerth.
According to Le Parisien newspaper Nicolas Ferrary, in charge of Airbnb France told lawmakers: “I am not in a position to respond to your questions,” when grilled by Woerth and fellow MPs.
According to figures quoted in Le Parisien, Airbnb helped accommodate 600,000 tourists in France last year.

Apart from the fact that rental sites like Airbnb, which has six million subscribers around the world, are not regulated in France, government coffers also miss out on the compulsory “tourist tax” or taxe de sejour, that is levied for every night stayed in hotels. The tax is currently worth €1.50 per person per night, and even though a plan to hike it up by as much as five times has been postponed by parliament, France’s hotel bosses still claim that Airbnb provide unfair competition.

The government is expected to tackle the issue after the summer break and the hotel industry will no doubt back any reform that brings the company into line with the rest of the industry. Although cases of illegal subletting are nothing new in France, this is the first known case in France involving the website. By French law, landlords are forbidden from renting out their main apartments for less than a year, or nine months in the case of a student. With seasonal rentals the only obligation concerns secondary residences in towns with more than 200,000 inhabitants, where the landlord must register at the town hall, according to Le Monde.

“The problem is not so much Airbnb, or other similar sites, but rather subletting in general,” David Rodrigues a legal advisor at the CLCV housing association told the paper. “You need a written authorization from the landlord and the rent cannot be higher than the price per metre squared that you are paying.”

Founded in San Francisco in August 2008, Airbnb has 500,000 listings in 33,000 towns and cities in 192 countries. In April the company was valued at $10 billion.
Now there is doubt if the French Government will be able to put the kaibosh on the Netflix launch as part of a continental European rollout. The decision to go ahead with a French launch follows months of contentious negotiations between Netflix executives and the French government, which has put pressure on the US company to meet a number of rules designed to protect the French TV and film industry from foreign competition – the so-called "Cultural Exception". For example, existing video-on-demand (VOD) companies are barred from streaming films until three years after their cinema release, while streaming services based in France with annual earnings of more than 10 million euros are required to hand over 15 percent of their revenues to the European film industry and 12 percent to French filmmakers.


After what seems like months of reports on the Malaysian Airliner brought down over Ukraine, with people saying early on that “the black boxes have been taken to Moscow “ and “the separatists have removed bodies” now they say they have found nearly all of the bodies but that the count doesn’t correspond to their number. Then remarkably video turns up of a man with a red (black) box in his hands. The BBC have said there would be no advantage of getting into them and falsifying data even if it was possible. You couldn’t make up this whole story.


The Tour de France - what a delightful event, unless you need to go somewhere, then it is the worst case of road works man could have invented.

Wasn't Mo Farah training in Font Romeu? I hope its not another tap water incident.


Steve




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

Lost in France
There is a lot of dog poo here and particularly in summer it can get a bit stinky. In some places walking through the village is a mine-field as there are several piles of dog poo dotted about in one small area. No one appears to take responsibility for dog poo or dogs barking or any kind of antisocial animal behaviour. I’m sure people do care but no one seems to do anything about it.
In a country renowned for its rules, regulations and a bureaucracy which govern the everyday life of humans, when it comes to human response to animal behaviour nothing is done. It’s a case of ‘live and let live’ no matter how one is affected, no one says a dickie bird.
Case in point: one summer a few years ago some ‘crusties’ rented a house two doors down. Their traveller friends, studying at circus school (they really did – their van was illustrated with jugglers and clowns) parked up in the car park and stayed with their friends for a couple of days. They had a dog and the street filled up with dog shit which in the heat stank. They didn’t take their dog into their friend’s house but left it in the van. The dog barked, and barked, and barked. And because of the weather everyone had their doors and windows open, everyone could hear and no one did anything, even the person whose house their van was closest to and he was the deputy mayor.



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61specto


I am on the Hawaiian island of Kauai as I am writing this and so it is very difficult to think about investment markets and French taxes. But the deadline is approaching and so I must write something!

We came here to celebrate a family wedding and after three flights totalling 23 hours and a 12 hour time difference between here and France, we were a little jet lagged for a few days. Happily, we recovered before the wedding and father walked daughter down the aisle – well at least down a path that led to the beach! The ceremony was beautiful and very personal, as the couple exchanged the vows that they had written especially for each other.

The island of Kauai is also beautiful. Known as the garden island, which is no surprise as there is a mass of plants and flowers everywhere. The colours are so vibrant that you know you are somewhere very special. It’s a haven for artists and for those who are moved by the realisation of nature’s connection to one and all.

The climate is tropical and the centre of the island is apparently the wettest place on this earth. It is also the location for the film Jurassic Park. There are seven main rivers that run down from this point, creating waterfalls on the way down to the Pacific Ocean. Very photogenic, but you have to catch the right light between the rain showers that can suddenly appear.
The Hawaiian language is something else! With only 12 letters, which includes the 5 vowels, we thought it would be easy to learn how to say a few words. Not so, even though the consonants are pronounced just as in English (except for W, which is often pronounced as a V). Some of the words are so long, but no problem as fortunately English is the main language here.

Aloha is a word that is used so often and most people recognise this as Hawaiian, even if they have never visited any of the islands. The word has many meanings (for example, affection, peace, compassion) and for the last three hundred years or so, it has been used as an English greeting for both hello and goodbye. But there are deeper meanings of the word and a quick search on the internet will provide lots of results on this. I particularly liked what I found at http://www.huna.org/html/deeper.html and in the spirit of Aloha I hope that you like it too
.

I told you that it was difficult for me to talk about financial things and so I haven’t! I will be back at my desk in August and can be contacted either by telephone on 04 68 20 30 17 or by e-mail at daphne.foulkes@spectrum-ifa.com. But I also know that many of you will be enjoying your own vacation time with family and friends then and so I wish you Aloha for this.

The Spectrum IFA Group advisers do not charge any fees directly to clients for their time or for advice given, as can be seen from our Client Charter at
http://www.spectrum-ifa.com/spectrum-if ... t-charter/.

Daphne Foulkes
SIRET 522 658 194 00017
Numéro d’immatriculation ORIAS 10 056 800


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bridge

You are in six hearts and they lead a small spade. If trumps are 2/1, can you guarantee the contract?



Dummy
A 3
A 9 8 7
A
A V 10 8 6 5


Your hand
K Q
Q J 10 6 5 4
7 6
K 9 7


Solution.

You may have a club and a trump to lose so, to avoid this, win the lead in Dummy and cash the Ace of trumps. Assuming the King doesnt drop, cash the Ace of diamonds, cross to the King of spades and ruff a diamond. Now exit a trump. Whovever wins the king of trumps must now either give a ruff and discard or play a free club finesse for you.




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all replies to mail@audeflyer.com please

Hi Steve

Feedback for Mr Barker

Hi Steve

My first and most serious question is, why on earth should you wish to buy Office for £300? If you've been using the same software for a decade why not continue? With the same software. I've been using Office 97 since, well, probably 1997. Each time my computer changes I just reinstall it.

Why can't you do that?
Couple of months ago I had a disk break and lost my installation of XP. So I bought Windows 7 (for a touch less than 40€ from Ebay) and Office 97 installed without problem. On the way I noticed an offer of free Word 97 with Windows 7 but sorry I just made a quick google search and can't find the link. It will be there somewhere. Just depends how much you want to save that £300.
Then there's open office although I think libre office is a bit better.
Instead of new laptop why not keep your old one as reserve and get Bruce to cobble together a desktop for you? It will cost a little more to start but is cheaper in the long run. Screen nearly as big as the TV. Two internal hard disks so data backup is a doddle and safe against a crash. When you spill your glass of wine over the proper sized keyboard it only costs £5 for USB replacement, but big problem with a laptop. I keep 2 replacements in stock. Just as an incidental, if you do spill wine etc, immediately shut down, then rinse the keyboard thoroughly, and leave to dry for several days. I have become quite expert at this and usually have a keyboard propped up to dry while I am using a reserve.
Best regards
David Barker

Because office 97 has been withdrawn from use, it is not compatible with Windows 7 or Windows 8 both of which will warn that the software is not compatible. Windows 7 will allow you to continue but the installation is not recommended and does cause Windows 7 to become very unstable. Windows 8 will block the installation of Office 97 entirely. The other reason office 97 has been withdrawn is that is a huge security risk, it cannot cope with macro viruses or malicious code in documents. And another is that it will not open the new office document formats .docx or .xlsx etc. which more and more documents are being produced in.

Even office 2003 has now been withdrawn for very similar reasons although this has not been blocked from Windows 7 or 8 yet.

Lastly anyone still using windows XP should seriously consider getting a replacement and should NOT be using anything secure on the XP computer no banking, no paying with credit cards, so signing into accounts. XP has finished its life and is no longer updated and therefore its totally unprotected, the virus scanner and other security software can be so easily bypassed they are not worth having.

Microsoft do not give office away in any form for free, they did for a short while give office 2010 starter edition away with new computers but this was a very cut down version and only had word and excel. If you see a free download for office then its 100% a fake and should be avoided.

Open office or even better Libre office are good but do not have Publisher or Outlook.

There is no difference between a laptop and a desktop, either in performance or price both are built using the same technology and in most cases the laptop is slightly faster. Unless you pay a great deal for a high performance or gaming PC desktop.

See this month’s flyer for data backup. Internal drives are not recommended.

Water and computers do not mix, do not spill any liquid into a computer or keyboard. And do not wash a keyboard the salt and minerals in the water are left behind when the water dries and can conduct electricity this can lead to the keyboard shorting out and destroying the USB interface on the computer. Silly to blow the whole computer for a cheap keyboard as everything connects on USB and without it the computer is useless.
You might have gotten away with it but one day it will catch you and its going to be expensive.

Best regards,

Bruce.
Tel: 05 61 60 84 23 or Mobile 06 88 62 93 43
(If I cannot answer Please leave a message and I will call you back).
Bruce Taylor Pro Computer Support

www.brucetaylorpro.com



Hi Steve,
I had some real problems with Windows XP and the fact they would no longer support it. I looked at several options until a good friend in my village suggested Ubuntu software.
Look it up and download the documents that explain what it does. You can download from their website and it will install and at the same time remove your current operating system or it can sit happily alongside your old system. Ubuntu uses Firefox as web browser, Thunderbird for e mail, and has similar features to office and documents too. It is free and fully supported and the people around here, including me now, sing its praises. Also the hackers seem to concentrate on Microsoft, so there is little intrusion from them.
See what think or check it out with Bruce.
Cheers
Stuart






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
Jeudi 24 Juillet 2014
les Cabanes de Fleury vide grenier

Vendredi 25 Juillet 2014
Cailhau Marché artisanale et foire gourmande
Laroque-de-Fa Vide-Grenier avec le Marché
Rieux-Minervois Vide-dressing semi nocturne

Samedi 26 Juillet 2014
Coursan vide grenier
Mazuby vide-greniers
Paziols Vide grenier - fete du patrimoine
Rieux-Minervois Vide grenier semi nocturne
Saint-Louis-et-Parahou La Clé des Champ
Serres Fête de Serres
Saverdun vide greniers +brocante

Dimanche 27 Juillet 2014
Axat vide grenier
Belvis vide grenier
Carcassonne Vide grenier brocante
Caves Vide Grenier
Coursan vide grenier
Cruscades la cruscadelle fete du vin
La Palme vide grenier
Leucate puces nautiques vente de bateaux d'occasion
Leucate La Franqui Tante Marie vide ses greniers
Marseillette Vide grenier
Moussoulens vide grenier
Narbonne vide grenier pour animaux abandonnes
Roubia vide grenier annuel
Tourouzelle Videgrenier à Tourouzelle
Besset vide greniers
Foix vide greniers
La Bastide-de-Besplas vide greniers et Brocantes et stands d'Artisanat
Lagarde Vide greniers
Massat vide grenier brocante
Orgibet vide grenier du comité des fête
Pamiers Marché et puces et à la brocantes
Jeudi 31 Juillet 2014

les Cabanes de Fleury Vide greniers aux cabanes de fleury


Vendredi 1 Août 2014
Tourreilles vide-grenier nocturne : animation par Eric-en-Solo
Samedi 2 Août 2014
Caudebronde vide grenier
Coursan vide grenier
Floure vide greniers
Limoux Bourse d'échanges et expositions véhicules anciens
Port Leucate vide greniers
Salvezines vide grenier
Trèbes marché nocturne
Saint-Girons Vide grenier(dans le cadre "autrefois le couserans")
Saverdun vide greniers +brocante
Dimanche 3 Août 2014
Belcaire vide-grenier
Bizanet vide grenier annuel
Carcassonne Vide grenier brocante
Carlipa vide grenier-brocante-foire à tout
Chalabre vide grenier
Coursan vide grenier
Fabrezan Vide grenier Brocante La boule Fabrezannaise
Lézignan-Corbières Vide grenier
Limoux La mensuelle le 1er dimanche de chaque mois
Limoux Bourse d'échanges et expositions véhicules anciens
Marseillette vide grenier
Montréal Vide-greniers / Marché artisanal
Moussoulens vide grenier
Peyriac-de-Mer vide grenier spécial livres
Peyriac-de-Mer Vide-greniers associatif
Raissac-sur-Lampy vide grenier
Saint-Pierre-des-Champs vide grenier
Garanou Vide grenier
Mazères vide grenier mensuel
Mirepoix vide grenier
Pamiers Marché et puces et à la brocantes
Saint-Lizier marché aux Puces, de la cave au grenier

Verdun Vide Grenier


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peter
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Re: Aude and Ariege flyer 2014

Postby peter » Fri Aug 22, 2014 8:09 pm

Bonjour

Did all these things happen in France before and we just didn’t hear about them? I mean wrong size trains and escalators? Building a monumental building - La Grande Arche de la Défense and seemingly speccing the wrong materials? So much so that it will require €200m worth of renovations only 25 years after construction?
And the gendarmes sound more and more like some dodgy part of the Sweeney. Oh yes, we haven’t found the 53kgs of cocaine but while looking for it (in an officers’ lock up) we found 900kgs of cannabis resin.
Yes I know Britain’s had its wobbly bridge and what else?
If the Scots vote to stay in the UK can they please then just get on with it and not have a referendum every year or two until they get an answer they want?
Also, could the US states that are having trouble executing people (there have been a few fast-acting lethal injections that haven’t been very successful of late) just outsource the job to Dignitas, the nice Swiss company specialising in euthanasia?
And as the Russians went to all that trouble of painting lots of trucks white perhaps they may be allowed to disperse the contents under Red Cross supervision to those in need. One can only hope that they have non-perishable food and medicines rather than military hardware.
You can save money not having to have a longhaul hol to get Dengue fever, you can now pop over to the Var

And finally could the Brits in Brugairolles play nicely - you will get us a bad name! Read on http://www.telegraph.co.uk/news/worldne ... -hell.html
Steve




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


Lost in France

After my little rant about cycle repair shops in the last flyer I realise I only have myself to blame.
Every few days I cycle the same route, up the hill to the hunters’ hut and back down again. The journey up is quite hard and relentless. I usually stop at least four times and even then I sometimes miss out the final steep section which terminates at the cross-roads and the hunters’ cabin. However, the journey back, all downhill of course, is delightful and I manage to have got my breath back just in time to go uphill back to my house.
Cyclists pass me on both journeys and say hello as they continue at speed on their way. This morning was different. A cyclist joined me and instead of continuing on he started chatting to me and after a while he was gently encouraging me up the hill and giving me the distances of how far we’d travelled and how far we had yet to go. I really appreciated his company and I could see what fun it must be to be part of those teams of cyclists I was mildly critical off last time. I managed the whole journey without a stop and he could quite easily have taken off at any point, up the road, disappearing out of sight in the blink of an eye. But he didn’t. What a lovely generous man.
I wonder if there are any teams of non-super fit people who like to cycle together?

But guess what, in the joy of companionship and the thrill of have having ridden all the way without a break, I forgot to ask him where he got his bike repaired! Doh!




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61specto


A couple of things have come out of the UK government’s office recently. Both are important, but for some expatriates, one of these is going to have a bigger impact than the other.

The first was the result of the consultation on the UK pension reform, which was published in July (and we can now expect a Pensions Bill in the Autumn). The outcome is that not much has changed from what had already been proposed, which you can read about in my previous article at http://www.spectrum-ifa.com/proposed-uk ... n-changes/

However, a couple of things have been fine-tuned. For example, the age from which you will be able to take your total pension pot as cash on the grounds of triviality will be possible from age 55, rather than the current age 60. Also for those who still prefer the security of a lifetime annuity, the rules will be changed to allow a longer guarantee period than 10 years but of course, this will reduce the amount of the annuity at start.

One important point that has been clarified concerns pension transfers from Final Salary Schemes to Defined Contribution Schemes (DCS). We now know these will still be allowed, but only from those schemes that are funded. Therefore, members of unfunded public sector defined benefit schemes will not be allowed to transfer their benefits to a DCS. This may not appear to be an issue - after all who would want to transfer their pension benefits out of such schemes? In effect, the government – or in reality, the UK taxpayer – underwrites the cost of these pension schemes.

Well this brings me to the second ‘thing’ …….

……. non-residents could lose their UK tax-free allowance on UK taxable income.

For those of you who have not already picked up this news, this is something that could come into effect in April 2015. A consultation has been launched by the government with a deadline of 9th October for interested parties to respond.

For French residents, this concerns those who are receiving public sector pensions, UK property rental income and/or UK earnings. If it comes into effect, the result will be that for a basic rate UK tax payer, unless your average tax rate in France is at least 20%, then your combined UK and French tax bill will be higher. This is because the method that is used to give relief from double taxation in France, limits the amount of that relief to the amount of French tax attributable to such income. Based on the 2014 rates, for a couple in France this would mean that they have to have combined taxable income of at least €112,000 per annum or for a single person, at least €57,000. If you are below this level, then you would be affected.

My initial reaction to the above was that those with public sector pensions are being treated unfairly. They cannot transfer their pension benefits out of the current scheme and so are forced to be subject to UK tax with the possibility of paying up to £2,000 a year more (based on UK 2014-15 rates), but they are unlikely to get the full relief from France. However, thankfully, the UK government has recognised that as the public sector pensions are, in theory, only taxable in the UK, then it is quite likely that entitlement to the personal allowance will be maintained.

Sadly, not so for property rental income (or earnings), as the UK government considers that people will usually be also liable to tax in their country of residence. However, the method of the calculation used to give relief from double taxation is identical for all these three categories of income, which is based on taking in to account the gross amount of income (i.e. before UK tax deduction). Had the previous method of calculating the relief still been in operation, there would not be any potential issue, since the calculation used the amount of income after deduction of UK income tax.

The other change that is taking place in the UK that affects non-residents who own property is the introduction of capital gains tax for properties sold after April 2015. When combined with the potential increase in UK income tax on any property rental income, this makes holding property for investment purposes a lot less interesting.

Are you affected by these changes? If so, please feel free to contact me if you wish to have a confidential discussion to see if your situation can be improved.

The date for the local seminar is Friday, 10th October 2014 at the Domaine Gayda, 11300 Brugairolles. This is always a very popular event and so early booking is recommended.

But if you are reading this further afield, you may be interested in attending one of our other events, for example, St Endréol in the Var on 8th October and full details of all venues can be found on our website at http://www.spectrum-ifa.com/seminars/

Places for our seminars are limited and must be reserved, in advance. So if you would like to attend one of the events or you would anyway like to have a confidential discussion about any aspect of financial planning, please contact me either by e-mail at daphne.foulkes@spectrum-ifa.com or by telephone on 04 68 20 30 17.

The above outline is provided for information purposes only and does not constitute advice or a recommendation from The Spectrum IFA Group to take any particular action on the subject of investment of financial assets or on the mitigation of taxes.

The Spectrum IFA Group advisers do not charge any fees directly to clients for their time or for advice given, as can be seen from our Client Charter at
http://www.spectrum-ifa.com/spectrum-if ... t-charter/.

Tech Talk


Missing email



Many millions of email messages go missing every day and in many cases the sender is unaware that the email has not reached its destination. The person receiving the message has absolutely no idea that the message has been sent to them unless by some chance they happen to have had some other communication with the person sending it.

In many cases the missing emails can be tracked down to spam/junk filtering, and in some cases this filtering is done by your email provider without your knowledge. It’s a very good idea to login to the web-based version of your email account (if your account has one) and check the spam/junk folder once in a while. Many of you will be very surprised to find messages from friends and family and other sources that you wanted to receive but which your email company has blocked.

Depending on the email company you are using it may be possible in the settings or preferences to disable this filtering and have it send you all messages, this is my preferred method as you can then install spam/junk filtering software on your own computer. It’s much easier for you to manage your own spam/junk filters and folders than to keep having to login to a web-based system.

For those already using a web-based system such as Gmail directly from the Gmail.com website or Hotmail directly from the Hotmail.com website, in this case you do not need spam/junk filtering software on your computer and can quite happily use the email providers own filtering system as you can see your online spam/junk folder all the time.

Another way to help ensure emails reach you is to add the email addresses of your friends or regular senders to your address book, in many cases people find that a friend or family member cannot send email messages and this is usually because the email address is not listed in the address book (sometimes called contacts). You may also have to login to your email provider’s web-based system and add the email addresses there as well, this is especially the case with orange.fr as they regularly block Hotmail.com and Hotmail.co.uk addresses.

Never assume that email is instantaneous, while in 99.9% of cases an email message does arrive within a few seconds of being sent it can take up to 72 hours for an email message to pass through the servers and reach its destination.

The email systems that we are currently using is many decades old and is really starting to show its age, it was never designed for the uses we are now making of it. More modern systems usually called instant messaging handle messages in a very different and much more up-to-date way and over the next few years is quite likely that we will see email systems and instant message systems merge together to embrace all the new technology. An example of just how old email is, when you send a photograph by email the photograph is re-rendered by the email system into an extremely large text file (mime format) this text file is then sent to the recipient, where their email system re-renders the image from text back into a photograph. This method is very inefficient,very slow and results in extremely large emails travelling backwards and forwards.

Don’t forget many email systems have a maximum size of email message that can be sent and in most cases 10 MB is the limit, anything larger will simply be rejected. This means if you’re sending two or three photographs by email you may have to send them one at a time, the average photo from a digital camera is around 4/6 MB, this is then doubled through the sending process to 8 MB which is very close to the limit of 10 MB.

Always remember to include a subject with your email this gives the spam/junk filtering at the other end a fighting chance to work out whether your message is spam or not, many corporate email systems will routinely block all messages that do not include a subject.

NEVER forward a group message. i.e. A message that has been sent to lots of people – Unless you take out ALL the other names. It’s very bad form to pass on other peoples email addresses without their permission and in some case you might also be breaking EU data protection regulations. This could lead to you having your email account shut down and maybe even a fine.

If you are sending a group email to lots of people then make sure you use BCC instead of To. This hides the email address from the people you are sending to and keeps you within the law. If you are sending business group emails then you should also include information on how the person can opt out of receiving a more emails from you.

Governments are tightening up data protection legislation and more rigorously applying the law in an effort to stop spam and cut down on fraud.

Lastly make sure your email has a secure password, this is especially important if you use a web based email system like Gmail, Hotmail, Outlook.com, Yahoo etc. Your password should be at least 8 charters long (longer is better), contain numbers and letters and a symbol and if possible not be a recognisable word. Colours, sports teams, children’s names, pets name are not good enough and easily guessed by a hacker. Many people have had their accounts hacked and in many cases they have lost the account forever – be warned a strong password is the best protection.

Many web based email systems are asking users for verification, this usually entails a code being sent to a mobile phone or alternative email address, if you see the verification system do not ignore it and make sure you use your own details when you fill it in. You might not need it now but when it asks you again in 18 month’s time you will need to be able to access the phone or email you provided.

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.

During August continue to tidy up summer flowering annuals and perennials, cut back the long & whippy summer growths on Wisteria and trim evergreen hedges such as laurel etc Prunings can be shredded to prodce organic mulch for the garden. I had an email the other day asking me to clarify what I mean by mulch so here goes. A mulch is any thick layer of material that is spread over the surface of the soil around your plants. It helps to conserve moisture by preventing evaporation and keeping the soil surface cooler and, to some extent, helps to prevent weed germination. Mulches can be inorganic such as gravel and stone chippings or organic such as shredded garden waste, bark or the residue from wine presses. Many local authorities shred green waste and it is worth asking at your local dechetterie if they make this available to private gardeners.

A pretty little perennial that flowers all through the summer months is the orange flowered Begonia sutherlandii, this will take sun or half shade and likes some supplementary. It grows to about 20cm high and dies away in the winter, coming up from bulbils again in the spring.

Regular opening times at La Petite Pépinière are limited to just to one weekend a month but the garden is always open by appointment - just email or phone to organise a time. We encourage people to visit the garden during the summer to look rather than to buy! Regular opening times for the next few months will be 12/13/14 September, 10th, 11th & 12th October and 7th, 8th & 9th November. Remember too that we are always happy to organise guided visits of the garden here for groups.
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.
--
La Petite Pépinière de Caunes
21, av de la Montagne Noire,
11160 Caunes-Minervois
04 68 78 43 81
















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Hi Steve

I am a woman cyclist - not terribly competitive, and I don't wear lycra, but love my little cycle rides in our region. I live in Castelnaudary, and there is a fantastic repair shop, Maris, in the Cours du Republique. The owner is very helpful, and will do his utmost to carry out repairs or advise.


Jane

During my visits to Aude & Ariege I discoverd that if I needed something the best source of information was people I had come to know. I went to a game and internet cafe in Carcassonne (I used to have to get online to catch up on necessary emails even thought I was on vacation) and got to know the family that owned it. I got to know other people through shared interests and found that if they didn't know where I could find _____, then they knew someone who probably knew....
So who in Aude would know....
Here's the website for the national organization and a map so you can click on it and find the clubs in Aude (by regional)
http://www.ffc.fr/clubs/?act=4
Each club can be clicked to find out more...

A less personal approach would be to check with Decathlon...now their website doesn't say they offer repair services but they are offering a Depot-Vente in October and there is some info about Profitez des conseils des experts de Decathlon...
http://trocathlon.decathlon.fr/home.php
So you might ask at the store. It's near the carrefour of the A61 and D6161... Hope this helps the Lost in France cyclist back on his bike...

and lastly, a website for cyclists in the Languedoc...
http://cyclinglanguedoc.com/practicalin ... -languedoc

I know people hire bikes in Castelnaudry, so a search for that place brought up this site....but another site (a blog) says 'when the shop was open in Castelnaudry...' so it may be closed now. Still, does give some options.










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

Samedi 23 Août 2014
Alaigne vide-greniers, Foire à Tout le long des circulades
Coursan vide grenier
Saverdun vide greniers +brocante

Dimanche 24 Août 2014
Carcassonne Vide grenier brocante
Carcassonne Vide grenier de quartier
Cavanac vide grenier
Coursan vide grenier
Ginestas Vide grenier de la Chasse
Gruissan vide grenier pour animaux abandonnes
Lacombe vide grenier de Lacombe
Leucate La Franqui Tante Marie vide ses greniers
Limoux Foire a la brocante
Mas-Saintes-Puelles vide grenier association Dance Attitude
Mazuby vide-greniers
Montjardin 1er grand vide grenier de Montjardin
Moussoulens vide grenier
Narbonne-Plage vide greniers et marché aux puces
Ribaute vide grenier
Saint-Ferriol Vide-grenier annuel
Saint-Pierre-la-Mer vide greniers
Sigean vide grenier ecole de rugby USP

Villalier vide grenier de la pêche
Pamiers Marché et puces et à la brocantes

Jeudi 28 Août 2014
les Cabanes de Fleury Vide greniers aux cabanes de fleury
Samedi 30 Août 2014
Coursan vide grenier
Salvezines Vide grenier - marche
Ilhat vide grenier et fête de village
La Bastide-de-Sérou vide greniers
Saverdun vide grenier+ brocante

Dimanche 31 Août 2014
Carcassonne Vide grenier brocante
Coursan vide grenier
Gruissan Vide grenier du cos
Hounoux vide greniers et fête au village
Leucate puces nautiques vente de bateaux d'occasion
Leucate-Plage Vide-greniers
Moussoulens vide grenier
Narbonne produits du terroir et vide grenier benefice pour chats errants
Narbonne-Plage vide grenier
Quillan vide grenier de l'association chats libres de Quillan
Saint-Marcel sur Aude Vide-Greniers de la Gym
Saissac Vide grenier du Foyer Rural de Saissac
Treilles Vide grenier de Treilles
Ventenac-en-Minervois Vide grenier
Ilhat vide grenier et fête de village

Pamiers Marché et puces et à la brocantes




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Re: Aude and Ariege flyer 2014

Postby peter » Wed Sep 03, 2014 9:40 pm

Bonjour

Back to school, and yes it’s September and time to rush for the lice treatment, hopefully only if there are kids in the house.

I didn’t hear that Rolf had been moved to HMP Bullingdon but that’s where he seems to be, he nabbed himself a gardening job and the nickname Willy Wonka as he has been giving out chocolate bars liberally. His other way of staying on the right side of his fellow prisoners is that they queue up at his cell door for a little sketch.

As Europe is losing so much money not exporting gabillions of euros worth of fruit and veg to Russia, where is all that produce going? Ploughed back into the soil? Or is it getting in via a back door. I saw the Swiss were none to slow offering cheese aid.

Poroshenko has agreed a ceasefire process with Vlad and then Mr Putin says of course they aren’t his troops. Those separatists are so lucky they have so many of the Russian army who want to take their holidays in Ukraine fighting, sort of a Tankman’s holiday

So Ryanair have followed Easyjet into to higher priced flexible fairs for “business users” it won’t be long before the low cost airlines will have three levels of service and inclusive food deals. The old infiltrate and double-cross concept i.e. weaken and get rid of the Flag carrier airlines and do what they use to do?

Have you noticed that Aldi sell a range of light bulbs (on special) under the brand Muller Light (translated from the german)? Well it made me laugh. And to think there are two German companies with senses of humour.

It might be best to avoid Dover –Calais route if you are crossing the manche in the not too distant future as the mayor seems to be threatening blockading the port unless Britain stumps up some cash to cover the security costs against illegal immigrants.


Steve









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

DISCO 12.09 1



Lost in France



Well it seems I have unearthed a little company of cyclists here on the Flyer and I am very grateful for that and the information you have given me. It seems I’m not completely lost in France after all, so thank you very much.
Now back to business. Why do French artists get special unemployment benefit privileges? Are they trying to say that they wouldn’t be free to create the wonderful films and theatre without that support because in their chosen industry they can never work more than a few days a year? Why is their contemporary music so rubbish? Why are the bands you ever see live locally performing only covers of English language songs, mid 20thcentury torch singers or outrageously unpleasant Eurpop?
When many of today’s successful British musicians were poor and on the dole, starving in their slums and garrets, they were living off the same measly unemployment benefits as the rest of society. They didn’t get any special privileges to help them create and become successful. I’m talking about bands that appeared before the era of X-Factor and Britain’s Got Talent where covers are rife. Out of work actors or directors had to get a day job like the rest of us.
Apparently the benefits received by the workers in the creative industries are twice the French average. The creative industries were threatening to go on strike and close or black-out many of the arts festivals that take place in France in the summer months and the person who was chosen by the Prime Minister to act as mediator between the government and the performers is one of the ones that has been ousted by the prime minister when Francois Hollande told him to form a new government last week. So who mediates now, and what will those poor creatives do? However, I do quite like the idea of nude performers confronting politicians.


But then I think this is the least of the government’s worries. With unemployment running at 10% (more if you believe my neighbour) something really has to give so perhaps the Fat Lady is just starting to sing for the benefit of the artistes or for the artistes’ benefits.





LATINO 04.09.2014 aude flyer

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In my travels I meet lots of people who claim not to know where they live. This isn't an age or an alcohol problem, and to be fair it would be better to describe them as not knowing where they reside, or are resident. In many cases a few minutes explanation, or a paragraph in a report, does the trick. There are a number of die-hards however who really don't want to recognise the obvious. And then sometimes it isn't really all that obvious at all.

The problem is that the central argument is so convoluted that it is far too long to cover completely in this article, and of course we also need to look at what the French regard as the deciding factors in French residence. So what I'm going to do here is dip into both pools and see if I can point you in the right direction, with the clear risk that I might confuse you completely.

The French side of the equation is quite easy to understand (if you want to, that is). You are resident in France if:

a) Your home is in France, which includes where your main home is or where your family lives.



b) Your principal place of residence is in France. This applies if you spend more than 183 days in France per year. Even if you spend less than 183 days per annum in France but have a permanent home available in France, you're 'in'.



c) Your business activities in France, whether salaried or otherwise, are managed from France unless you can show that this business activity is incidental to your main employment.



d) The centre of your economic interests is France, meaning that you have your main investments in France or they are managed from France or that you derive the majority of your income from French sources.



So many times I hear 'but I have a UK address and no-one can tell how much time I spend in France'. A dead give-away in anyone's language that. It's nearly subtle, but really it's the same as the difference between tax avoidance and tax evasion, and it's the wrong side of the coin. In the modern days of passport scanning it is also plainly incorrect. If you really want to ignore all of the points above and claim to be non French resident, you must really be claiming to be UK resident, mustn't you? So let's look at how HMR&C have 'clarified' UK residence. Please note we are ignoring UK domicile here, That's another can of worms altogether. Here's what it takes to be a guaranteed UK resident. You need any of these factors:

a) You spend 183 days or more in the UK.

b) You have only one home and that is in the UK (or more than one home and all are in the UK).

c) You work full time in the UK, ie, a continuous period of 9 months and at least 75% of your duties are carried out in the UK.

Now for most of the people I meet this presents a bit of a problem. Ever helpful though, HMR&C do recognise that there can be people who qualify for UK residence that can't claim any of the above, so to help them they have come up with a list of 'connecting factors'. I call them 'back door passes'.

Connecting factors

If you have family in the UK - spouse/civil partner and/or minor children.
Whether there is available accommodation in the UK.
Substantive employment in the UK (40 or more days).
UK presence in previous years – if you have been UK resident for more than 90 days in either of the previous two UK tax years.
More time spent in the UK in the tax year than any other single country.

Pay attention here, - it's getting complicated! To be counted as UK resident, and therefore not French resident, you need to combine days spent in the UK with the connecting factors as shown below:

Number of days that
make you UK resident

Connecting Factors
16-45
4 factors
46-90
3 factors
91-120
2 factors
121-182
1 factor
183 or more
Always resident

There, easy isn't it? Alternatively of course, one could take one's head out of the sand and go legal as a French resident...

And just a quick plug to finish. As Daphne pointed out two weeks ago, it’s seminar time again, at my favourite venue, Domaine Gayda, 11300 Brugairolles. This is always a popular event, and we are limited to 80 places, so please book your place early. The event will take place on Friday the 10th October, and we’ll be taking the experts through their paces again presenting updates and outlooks on a broad range of subjects, including:
Ø Financial Markets
Ø Assurance Vie
Ø Pensions/QROPS
Ø Structured Investments
Ø French Tax issues
Ø Currency Exchange

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



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/spectrum-if ... t-charter/







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










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UK Pensions – “Freedom And Choice”
By Mary Taylor, Partner, Blevins Franks
05 62 30 51 40
mary.taylor@blevinsfranks.com

The biggest reforms to UK pensions in almost a century are underway. As more options become available, you need to understand how they affect you and consider what would work best for you in the short and long term.

The pension reform was first announced in the March budget. Some initial changes came into effect that month, but the main reform will start next April. The government launched a consultation on its proposed changes, and on 21st July released its response to the consultation, “Freedom and Choice in Pensions”.

Here is a summary of the key decisions reached under the process.

Pension freedom

The Government believes that individuals should be trusted to make their own decisions with their pension savings. From April 2015 pension scheme members aged over 55 with defined contribution schemes will be able to access them as they wish – there will be no restrictions on how much you can withdraw, you can even take the whole amount. For UK taxpayers, the first 25% will be tax free and the remainder at the individual’s marginal UK tax rate.

Expatriates need to consider the tax implications in their country of residence. In France it can be quite attractive. Lump sums from UK pension funds are taxed at 7.5% in France, and if you take your entire pension as a lump sum, the tax treatment is likely to be the same. This compares very well to UK taxation, and to the French top income tax rate of 45%. If you have Form S1 you also escape social charges.

Transfers out of private sector defined benefits pension schemes will still be allowed, up to the member’s normal scheme retirement date as opposed to within 12 months of that date.

It will be a statutory requirement for such transfers to have been advised by a professional financial adviser who is independent of the scheme and authorised by the UK Financial Conduct Authority (FCA) – which Blevins Franks Financial Management Limited is.

Further consultation will be carried out to determine the viability of partial transfers. Transfers out of unfunded public sector defined benefit schemes will not be allowed. Transfers from funded public sector defined benefit schemes will be allowed, subject to the same safeguards as outlined for private sector scheme transfers.

Other changes

Currently, a 55% death benefit tax charge is levied on pensions that remain invested when the holder dies. The government has now announced it will cut this charge, with a new rate to be announced in the Autumn Statement.

Legislation will be introduced to enable product providers to introduce more flexible annuities, for example annuities that allow reducing payments and one off withdrawals.

The minimum pension age will increase from 55 to 57 in 2018 and thereafter it will be 10 years below the state pension age. This will not apply to certain public sector schemes such as the armed forces, police and firefighters.

For those aged over 55 after April 2015 and still in employment, annual pension tax relief will be limited to £10,000 for further contributions where benefits in a defined contribution scheme have been drawn.

The government recognises that the changes to the pension tax rules will have implications for the rules relating to Qualifying Recognised Overseas Pension Schemes (QROPS). It will consider these implications further to ensure that the rules relating to QROPS are appropriate when the new system comes into force.

There was no news on the suggested removal of, or change to, the lifetime allowance.

These pension reforms are very welcome, but it is essential that you understand how all the options work for you and weigh up what would be most beneficial for your circumstances and aims. The tax element, both in the UK and here in France, plays an important part. Specialist advice is important to make sure you get it right.


Blevins Franks Seminars – Removing the Myths

With so many tax changes affecting British nationals in France, we separate fact from fiction. Our seminars cover forthcoming legislative changes in France and UK and explain how to enhance your situation through strategic financial planning.

UK pension reforms - How will they affect you?
French legal and fiscal changes - Understanding will enhance your wealth
Capital gains tax – property and investments - Common pitfalls to avoid
Succession law, tax and 'Brussels IV' - Action you need to take to protect your family

CANET-EN-ROUSSILLON Host & Vinum - Les Clos des Pins | Tuesday 23 September
GIMONT (Near Auch) Château de Larroque | Thursday 25 September

To reserve your place, call 05 62 30 51 40, email
mary.taylor@blevinsfranks.com, or click here www.blevinsfranks.com/Seminars to book online.

bfbott3914







Aude Flyer sept 2013











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russelcoope14





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diet3914png


Nutrition News: Who Can You Believe?

Here’s how to make sense of conflicting information.



(An Article from US Health News)
By Bonnie Taub-Dix (owner of BTD Nutrition Consultants, LLC for more than three decades, she is the author of Read It Before You Eat It.. Her website is BetterThanDieting.com.


" It seems like every day there's a new nutrition headline in the press: "Ditch Carbs!" "Eat the Right Fats." "Don't Eat After 7 p.m." "Fast Two Days a Week." It's difficult for consumers to sift through the myths and facts and know whom to rely on for information they can believe and apply. Between what you read in magazines, hear on the news or follow on social media, it's even possible to hear conflicting information on the same day.

Here's how to sift through nutrition advice to help clear the confusion:



Keep in mind that diet books are meant for masses. Maybe a book is a best seller, but that doesn't mean it's providing the best advice.



Be cautious of diets that eliminate an entire food group. Consistently and carefully consuming a variety of complex carbs, lean protein and healthy fats promotes weight loss that lasts. If you're counting the days (or pounds) until you can finally ditch your diet, that's a sure sign that the pounds you lost will end up being found.



Don't automatically believe magazine articles. It's hard to find a magazine that doesn't wear a diet-related headline. Last week I spotted one that I was quoted in during the 1980s – the same cover could have been printed again today. Sensational stories sell, so be sure to read between the lines and pay attention to the author's credentials.



Beware of quick fixes. Avoid vitamins, herbal preps, tonics and juices that promise overnight weight loss. There is no single miracle food or food substance, so it's best to look in your fridge for the answers, instead of looking at misleading advertisements.



Be wary of "always" or "never" lists. Unless you have a food allergy, in most cases, no food should be 100 percent off limits. Eating a well-balanced diet of foods that love your body leaves plenty of room for foods you love, too.



Keep these tips in mind the next time you see a popular claim in the press. The more educated you become by relying on credible, scientific sources, the healthier you'll be. "



Pat Penny
Massage Therapist
European Register of Exercise Professionals
info@potential-energy.co.uk



bruce11614







bridge

Bridge Problem.



The contract is six hearts and they lead the Ace and King of clubs and you ruff with the Queen of trumps. You cash the Ace of trumps and your left-hand opponent shows out. Surely now, with five trumps on your right, you have a trump loser…don’t you?


Dummy
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Your hand

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Solution.



Watch carefully! This is like a magic trick. Cash the Ace of diamonds and play a spade to Dummy. As long as the suit breaks 3/2, you can continue to run the suit until your right-hand-opponent is forced to ruff. You can now over-ruff with the King of trumps and lead a small trump to Dummy, claiming twelve tricks and slam made. The defence’s trump trick has disappeared!






Lizzie Godfrey


meteo ciel3






















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



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jardin



After a changeable August we seem to be having a late burst of warm weather and we will still need to keep an eye on the watering needs of plants, particularly in hanging baskets, pots etc. If you haven't already done so this is the time to clip lavenders, remember only to shear back into this year's growth - lavender is one of those plants that detests being hard pruned. While you are focussing on your lavenders it is also a good time to take cuttings. Many perennials and shrubs will be setting seed and now is also the time to collect seed, either for immediate sowing or you can store seed in a cool, dry place and sow in spring.


One neat little perennial that is in flower at the moment is Achillea coarctata, this has evergreen, silvery, finely dissected foliage and creeps by underground runners to make a dense ground cover of about 20cm in height with a spread of up to half a metre or more. It likes a well drained soil with occasional water in summer and a sunny position. The golden yellow flowers are there from June until October.

At La Petite Pépinière we are offering our two day gardening course this autumn:

Introduction to Gardening in Summer Dry Climates
Tuesday 14th October (11am – 1, 2 – 5pm) and Wednesday 15th October (10am – 12.30, 1.30 – 4pm) 2014
A two day course which is aimed at those relatively new to gardening in the Languedoc. The aim is to provide information and promote discussion in a relaxed and informal atmosphere which will help those interested in creating interesting, easy to maintain and colourful ornamental gardens in our summer dry climate. We will consider the nature of the local climate, the physical problems associated with gardening here (heat, drought, cold, wind, soil) and how to cope with these varied problems particularly dealing with drought and thinking about “waterwise” gardening; recognising plants which are appropriate to this climate; buying plants; planting techniques and maintenance. We shall also look at design basics and planting schemes, succession (planting for year round interest) and plants for particular situations, for example dry shade or slopes. Appropriate resources and useful French/English vocabulary will also be included as well as a guided tour of the garden here to illustrate points made. The course is designed for a group of between six and twelve people to allow time to discuss individual issues and problems.
Course fee: 90 euros, including teas & coffees. Please bring a packed lunch. For further info or to book a place please email Gill@lapetitepepiniere.com

Regular opening times at La Petite Pépinière are limited to just to one weekend a month but the garden is always open by appointment - just email or phone to organise a time. We encourage people to visit the garden during the summer to look rather than to buy! Regular opening times for the next few months will be 12/13/14 September, 10th, 11th & 12th October and 7th, 8th & 9th November. Remember too that we are always happy to organise guided visits of the garden here for groups.


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.
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La Petite Pépinière de Caunes
21, av de la Montagne Noire,
11160 Caunes-Minervois
04 68 78 43 81
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peter
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Location: Languedoc, France

Re: Aude and Ariege flyer 2014

Postby peter » Thu Sep 18, 2014 8:08 pm

Bonjour
Perhaps this year will see France’s winter of discontent as there are talks of civil disturbances and social unrest. Someone has actually worked out that the paper Liberation was losing 22,000€ a day by being overstaffed with people who were probably overpaid and residing in fancy downtown offices, you need to find your Wapping!

The wonderful Air France pilots have had enough because they are scared the company is building up its low cost arm Transavia. Yet bizarrely British Airways survived in the marketplace alongside two of the biggest ‘no frills’ airlines. But really that’s got a lot to do with the extraordinary number of eastern Europeans that work in the UK and go home to visit whilst also have family coming to visit them. So from that perspective Transavia can’t get very big unless the French labour market is unleashed.

What about the silly goings on at Toulouse 111 university? Too many students for the Science and Nature course, it would seem that they need to be take notice of Mr Darwin’s natural selection before accepting students for places, or at least keep a tally so they will know when they have too many. Another faculty decided to have a lottery to see who would be allowed to do the course – bonkers! There clearly needs to be a selection of the best Bac results plus highish student fees which have to be returned, with a bonus if the student achieves a certain grade, sorted!

Another reported case of Dengue fever in Toulon, the patient has fully recovered....

Scotland. Well - it was years ago that the permission for a referendum was granted and now it’s upon us. Culloden and even the poll tax are too far in the past, so shouldn’t everyone just get on with it? Will they have to rename the Duke of Edinburgh, and flog off Balmoral, if the ‘Yes’ boys win? It’s just wrong, but clearly the brain-washing of the Scots (by themselves) has led to this. And if it’s ‘No’ I am sure the call will be “best of 3 then” ending up like them French Canadians and their neverendum.

As it’s warm and it seems the harsh weather is further east, keep safe you Heraultians. Have a look on this website and the sites open this weekend for the European heritage days. Go on, there must have been hundreds of good folk slaving away on this in Brussels - http://www.journeesdupatrimoine.culture.fr/


Steve









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





Lost in France



I know insurance is a necessary evil, but sometimes it is more evil than it needs to be. Now the motorbike is up and running, I’ve been trying to insure it.
I went to my current vehicle insurers and they quoted €291 for a 23 year old Suzuki trails bike. It seemed a bit steep.
I went on a couple of price comparison sites, the first one just went round and round, asking an impossible question that I couldn’t answer, it gave me an option to put in the bike make and model but wouldn’t let me go any further, so I gave up. The second one I went on gave me several quotes and I went for the one that offered me €180. I tried to contact them through the on-line link but that wouldn’t work so eventually I called them. I gave them the quotation number and some more information to be told that I couldn’t have that price or any other price as they wouldn’t insure me because I didn’t have my house insurance with them.


Undeterred I sent a general email to five local insurance companies. I received three replies. One said they didn’t insure bikes. Another said it would be around €200 but when I suggested they might want some more information I received no response. The final one asked for more information which I sent, came back with the price of €201 and I snatched their hand off. They then asked for a copy of the carte grise and as it was dated from May 2013 (and we were now in August 2014) they asked me where it had been since then. I said it had been in a garage as it was being repaired. They told me they couldn’t insure it because it should have been insured immediately we had received the carte grise. The only way they could insure it now was if we changed the name of the owner. Changing the name on the carte grise would have cost around €95 and the bike would then not have been in the name of the rider so I gave up and reverted to the original insurer out of frustration.









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As I am writing this article, the hot topic of the moment is of course the Scottish Referendum on Independence. The polls are swinging from one direction to the other, but only by a small margin between the ‘yes’ and the ‘no’ camps. The final result will most likely be very close.


Even the Queen has uncharacteristically got a little involved in the politics, by expressing her hope to a well-wisher in Scotland that people will think very carefully about the future. Whatever the result of the referendum, it is clear that the United Kingdom will change.

What will happen to investment markets if Scotland votes yes? Well the wider world outside of Scotland seems to have woken up to what is actually happening in Scotland. Sterling has weakened amidst the uncertainty of the outcome, but beyond this, I am not bold enough to forecast any further effect on markets. Like any other investment risk, it needs to be managed.

On this subject, The Spectrum IFA Group has produced a Guide to Investment Risk. This has been written in plain, no nonsense, down-to-earth English and covers a range of assets classes and strategies. The individual articles included in the Guide can be found on our website at:

http://www.spectrum-ifa.com/spectrums-g ... ment-risk/

Alternatively, if you would like to receive a full copy of this Guide, please contact me.

We are also taking bookings for our Autumn client seminar – “Le Tour de Finance - Bringing Experts to Expats”. Our industry experts will be presenting updates and outlooks on a broad range of subjects, including:

Financial Markets
Assurance Vie
Pensions/QROPS
Structured Investments
French Tax issues
Currency Exchange

Places for our seminars are limited and must be reserved, in advance. The date for the local seminar is
Friday, 10th October 2014 at the Domaine Gayda, 11300 Brugairolles. So if you would like to attend the event, please contact me as soon as possible. Alternatively, if you are reading this further afield, you may be interested in attending one of our other events and full details of all venues can be found on our website at http://www.spectrum-ifa.com/seminars/

If you cannot attend one of our seminars and you would anyway like to have a confidential discussion about any aspect of financial and/or inheritance planning, please contact me either by e-mail at daphne.foulkes@spectrum-ifa.com or by telephone on 04 68 20 30 17.

The above outline is provided for information purposes only and does not constitute advice or a recommendation from The Spectrum IFA Group to take any particular action on the subject of investment of financial assets or on the mitigation of taxes.

The Spectrum IFA Group advisers do not charge any fees directly to clients for their time or for advice given, as can be seen from our Client Charter at
http://www.spectrum-ifa.com/spectrum-if ... t-charter/.



Daphne Foulkes
SIRET 522 658 194 00017
Numéro d’immatriculation ORIAS 10 056 800





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Email: helplinecsfsud@gmail.com; Website: www.cancersupportfrance.info
Forum: http://csf.forum.org Local Association No : W112000594



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Get the most out of living in France
By Mary Taylor, Partner, Blevins Franks
05 62 30 51 40
mary.taylor@blevinsfranks.com


There are many attractions and advantages to living in France. However there are some drawbacks too, such as unfamiliar local bureaucracy and a complex, expensive and frequently changing tax regime.

To get the best out of living here, your financial planning should be specifically set up to work well and provide advantages in France, while taking your family’s situation into account. You need to understand how the various French taxes impact you – social charges, wealth tax and the succession tax rules can be an unwelcome surprise for British nationals, not to mention succession law – and how you can use the rules to your advantage.

Establish what the best savings and investment strategy is for you now, and look at how all the options for your pension funds would work in France, from a general and tax perspective. Consider also capital gains tax on selling your UK assets and if you can avoid it.

The Blevins Franks Guide to Living in France has been written to provide UK nationals with the key information they need regarding tax and wealth management in France. It is useful whether you are at the planning stages of moving here, are a new arrival or have been living here a while, or if you own a holiday home here.

The new, Edition 7 has 26 chapters covering a range of topics, from purchasing a French property, to French taxation, to pensions and QROPS, to shedding UK residence and avoiding UK capital gains tax.

Blevins Franks has been providing specialist advice to British expatriates for decades. The Blevins Franks Guide to Living in France is based on our vast experience and deep understanding of expatriates’ financial planning needs. To obtain a copy of the book please contact me on 05 62 30 51 40 or mary.taylor@blevinsfranks.com.

Changes affecting expatriates in France and “Removing the Myths” seminars.

Besides keeping up to date with changes in France, British expatriates still need to understand how the UK tax regime may continue to affect them and follow any proposed tax reforms.

Taxing non-residents on property gains - Under current rules, provided you are non-UK resident for five years, you do not pay UK capital gains tax when selling UK assets. But from next April non-residents disposing of UK residential property will start being charged UK tax on the gains.

Restricting the personal allowance for non-residents - The UK government is considering withdrawing the personal allowance from non-residents, except those with a strong economic connection to the UK.

More pension freedom – From April 2015 individuals aged over 55 will be able to withdraw as much of their UK pension funds as they wish. UK taxpayers will pay tax at their marginal income tax rate (above the tax free lump sum). Here in France, the taxation of lump sums provides an attractive opportunity for you, and you could pay much less tax than in the UK.

Succession law – France imposes strict restrictions on who you can leave your assets to. Children are protected heirs; spouses are not protected. From August 2015 new EU wide regulations – “Brussels IV” – will allow you to elect for the laws of your country of nationality to apply instead. Note that French succession tax will continue to apply, so you should consider the tax position and seek advice on how to lower the liability for your heirs.

To help you make sense of all these changes and understand how they affect you and what the solutions are, we are holding seminars covering these important issues.

CANET-EN-ROUSSILLON Host & Vinum - Les Clos des Pins | Tuesday 23 September
GIMONT (Near Auch) Château de Larroque | Thursday 25 September

To reserve your place, call 05 62 30 51 40, email mary.taylor@blevinsfranks.com, or click here www.blevinsfranks.com/Seminars to book online.

Summarised tax information is based upon our understanding of current laws and practices which may change. Individuals should seek personalised advice.

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Tech Talk



brucehand17914

The Worst Software Ever



Below are a list of a few pieces of software that I advise you look for on your computer and if you find them then remove them before they cause you trouble.



Trusteer Raport or Endpoint Security.

Spyware from your bank, this program is suggested by your bank they say its security software but its not it’s a program that spies on your internet activity. Its also slows your computer down and causes problem that makes your browser crash – Remove it from your computer.



Microsoft Security essentials.

Microsoft attempt at Antivirus software, it only scans for around 20 known viruses so it totally useless against the 3 million other viruses that can affect your computer. Uninstall it from your computer and install a real virus scanner like AVG or Avast.



Norton Antivirus or Internet security.

The worst piece of Adware on the plant, if it was half as good at protecting you as it is at advertising its self then it might be a good virus scanner. In fact it’s a very poor virus scanner that cost a lot of money. Uninstall it from your computer and install a real virus scanner like AVG or Avast.



McAfee Antivirus

An OK virus scanner not the best or the most effective, it has one very big downside its extremely large and extraordinary SLOW!!! This causes your computer to run slowly, causes the browser to crash and pages to unresponsive. Uninstall it from your computer and install a real virus scanner like AVG or Avast.



Panda Antivirus

Very pretty but completely useless as a virus scanner it more likely to block things you want and know are safe than find anything dangerous. Uninstall it from your computer and install a real virus scanner like AVG or Avast.



Incredimail

This one has been around for a very long time, a free email program that look nice, has lots of additions and even talks to you. What they don’t tell you is that its sharing your email out over the internet so that it can be used for marketing, who knows who’s reading it. Uninstall it and download Thunderbird which is very good and safe.



Advance System care

This reports to be a program that will clean and speed up your computer. Its more likely to remove vital components from the Windows registry and therefore crash the computer. Do not trust program that report they will fix everything and boost your speed – 99% are fakes and are dangerous to use. Ccleaner does all these things and it 100% safe.



Driver Booster

A program that look for out of date drivers on your computer and updates them to the latest version. Unfortunately is all too often misidentifies the hardware and download the wrong driver which will cause the computer to crash. Remove this kind of software from your computer – instead look at the Windows update Optional updates for Microsoft approved and tested driver updates.



Hotspot shield

A neat utility to hide your location allowing you to access things like iPlayer, unfortunately it is also used to spy on your internet activity and can be used to hack your computer and install Malware. Its not safe uninstall it from the computer and check out Unotelly.com very safe and much better.



Nitro PDF

This comes installed on many new computers, it reports to be a free PDF reader but after a few uses it wants you to register and pay for it. All you get when you pay is the ability to create PDF documents, which you can do for free using PDFcreator, Libreoffie, Openoffice and many other free programs. Remove it and download the real Adobe PDF reader.



Opera Browser

This browser alternative has been around for a long time, its used to be the fastest browser and much safe then Internet explorer or Firefox but it has lost its way over the years. The real downside for me is that the free version is Ad supported meaning part of the page/toolbar area is taken up by an advert. And why pay for a browser when Google Chrome is 100% free and so good.



My PC Backup and Boxore Client

These two are often found lurking on computers, they are both fake programs that steal data and open the flood gates to other unwanted programs. If you see either of these programs then you should uninstall them IMEADIATLY and run a full scan with Malwarebytes and ADWcleaner to make sure the computer is safe to use.



Three Safe programs that can save the day.



Ccleaner – a cleaner that removes junk and temporary file, cleans the registry and cane be used to uninstall program and stop program from starting. www.piriform.com



Malwarebytes – A fantastic free scanner that look for malicious programs and things that your virus scanner misses. It not only finds them but removes them too. www.malwarebytes.org



ADWcleaner – This neat little program finds and remove adware and browser hijacks, its free to download and use but its update regularly so you need to download the latest version each and every time you use it. https://toolslib.net/downloads/viewdown ... adwcleaner





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.

bruce11614







bridge

You are in three no trumps and they lead the six of spades to the King on your right. Win or duck? Over to you.
Dummy
<#title#> <#content#>
\clip_image001.gif" u2:shapes="_x0000_i1025" />
<#title#> <#content#>
\clip_image002.gif" alt="S" u2:shapes="_x0000_i1026" /> 4 3 2
<#title#> <#content#>
\clip_image003.gif" alt="H" u2:shapes="_x0000_i1027" /> K 7 6 2
<#title#> <#content#>
\clip_image004.gif" alt="D" u2:shapes="_x0000_i1028" /> Q J 10
<#title#> <#content#>
\clip_image005.gif" alt="C" u2:shapes="_x0000_i1029" /> A J 4
Your hand
<#title#> <#content#>
\clip_image001.gif" u2:shapes="_x0000_i1030" />
<#title#> <#content#>
\clip_image002.gif" alt="S" u2:shapes="_x0000_i1031" /> A 10 8
<#title#> <#content#>
\clip_image003.gif" alt="H" u2:shapes="_x0000_i1032" /> A 4 3
<#title#> <#content#>
\clip_image004.gif" alt="D" u2:shapes="_x0000_i1033" /> A 7 3 2
<#title#> <#content#>
\clip_image005.gif" alt="C" u2:shapes="_x0000_i1034" /> K Q 9
Solution.


Will you duck the lead? There is no point as your first play is to cross to Dummy and to take the diamond finesse into the hand of the opening leader. You should win the Ace and hope that the suit breaks 4/3 or that your right-hand-opponent has K J doubleton thereby blocking the suit or promoting your ten. The rule of eleven (subtract the pip on lead from eleven and that is how many cards out above the pip in the other three hands) shows your right hand opponent to have two higher cards so you live in hope.




Lizzie Godfrey


meteo ciel3






















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








jardin



At the time of writing these notes most gardens are still woefully dry although the thunderstorms in the area on Monday the 8th brought downpours to a few lucky people. It is still too early to be planting for the autumn but it is useful to think about what you might be wanting to add to your garden later this autumn and starting to prepare the ground. Many deciduous trees are starting to lose their leaves, instead of burning them it is much better to rake these up and add them to the compost heap. I was asked recently what I meant by compost ... compost is a natural, organic fertiliser which adds nutrients to the soil as well as organic material and improves soil structure. Make it yourself and it is free! It can be made from dry leaves & grass, deadheaded flowers, annual weeds, shredded garden prunings, fruit & vegetable waste from the house, tea leaves etc. As a rough guide it is best to aim for a 50:50 mix of "brown" and "green" material and to mix these in evenly. It is often thought that one cannot make compost in a summer dry climate but it can be done - if possible, site your compost heap in a shady place, keep it moist in summer and cover it with something like a layer of old carpet or some tarpaulin to help conserve moisture in summer. I have no experience myself but some of our customers swear by wormery compost systems and there is a company at Pezenas which produces these - http://www.verslaterre.fr/

Other jobs to do at the moment include starting to plant bulbs and continuing to weed and dead head.

One very pretty little perennial which is giving an excellent display at the moment is Justicia (sometimes labelled Jacobinia or Dicliptera) sub-erecta from Uraguay. It has velvety, grey-green foliage andtubular orange flowers from July until late September. Grows to about 40cm high with a similar spread and likes sun or half shade. Unless your climate is very mild it will disappear in the winter (so take care to label it) and regrow from the rootstock in spring.



At La Petite Pépinière we have a couple of places left on our two day gardening course this autumn,
Introduction to Gardening in Summer Dry Climates
Tuesday 14th October (11am – 1, 2 – 5pm) and Wednesday 15th October (10am – 12.30, 1.30 – 4pm) 2014
A two day course which is aimed at those relatively new to gardening in the Languedoc. The aim is to provide information and promote discussion in a relaxed and informal atmosphere which will help those interested in creating interesting, easy to maintain and colourful ornamental gardens in our summer dry climate. We will consider the nature of the local climate, the physical problems associated with gardening here (heat, drought, cold, wind, soil) and how to cope with these varied problems particularly dealing with drought and thinking about “waterwise” gardening; recognising plants which are appropriate to this climate; buying plants; planting techniques and maintenance. We shall also look at design basics and planting schemes, succession (planting for year round interest) and plants for particular situations, for example dry shade or slopes. Appropriate resources and useful French/English vocabulary will also be included as well as a guided tour of the garden here to illustrate points made. The course is designed for a group of between six and twelve people to allow time to discuss individual issues and problems.
Course fee: 90 euros, including teas & coffees. Please bring a packed lunch. For further info or to book a place please email Gill@lapetitepepiniere.com

Regular opening times at La Petite Pépinière are limited to just to one weekend a month but the garden is always open by appointment - just email or phone to organise a time. We encourage people to visit the garden during the summer to look rather than to buy! Regular opening times for the rest of this year will be 10th, 11th & 12th October and 7th, 8th & 9th November. Remember too that we are always happy to organise guided visits of the garden here for groups.


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.
--
La Petite Pépinière de Caunes
21, av de la Montagne Noire,
11160 Caunes-Minervois
04 68 78 43 81
www.lapetitepepiniere.com




























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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 20 Septembre 2014
Coursan vide grenier
Saverdun vide greniers +brocante
Dimanche 21 Septembre 2014
Albières Vide grenier
Belpech Vide grenier/brocante organisé par ADIAPIC
Brousses-et-Villaret Brousses et Villaret vide grenier
Carcassonne Vide grenier brocante
Carcassonne vide grenier
Castelnaudary vide gre
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peter
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Location: Languedoc, France

Re: Aude and Ariege flyer 2014

Postby peter » Thu Oct 02, 2014 9:48 pm

Bonjour
So the Air France pilots have finally gone back to work but for how long I wonder and how long can the Air France partner, KLM put up with a closure like that happening again? They are running a huge number of code share flights so it hits them just as badly. Now the pharmacists don’t want competition, is France really ready for change? It doesn’t look like it.

Has anyone told SNCF drivers that their company has a set up a bus line? I don’t really see it as much competition because they seem to have a series of not very joined up routes. Megabus have now started operating from London to Toulouse and some other destinations if you have a bit of time on your hands.

It appears a lot of Scottish people like being in the UK and not quite as many want to get out. Head Scot Salmond is being replaced by another fish, a Sturgeon, and at least she’s in the present tense. So far no one has requested best of three, but it won’t be long.

Has the ban on Miss Trierweiller’s book been lifted by French bookshops, thereby allowing the download market to grow some more? Yet another ‘Ooops , I shot myself in the foot’ moment for French business.

The world seems to fall further and further into turmoil. China appears to be about to resolve it’s thinking on democracy, the Middle East is largely a seething mass of people killing each other and West Africa is heading towards being a disaster zone with Ebola, and they still seem to be letting people travel in and out. While the ceasefire in eastern Ukraine appears to be the sham it was expected to be.

Wouldn’t it be amusing if Boris Johnston defected to Ukip, that could a bolting horse that would be difficult to stop?

This is officially the 10th anniversary Flyer, the first was sent out to 35 email addresses on the 6th of October 2004, people have supported it, copied it, and still it continues. Thanks for reading, please do pass it on to as many others as you can. THere are definitly new people arriving all the time now, especially with the strength of sterling



Steve




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


Lost in France

Driving
It is a bad idea to drive close to the vehicle in front of you. You have no idea what the driver of the vehicle in front of you is going to do. He might brake suddenly because he has seen something in front of him, like a cat in the road. You will easily be able to see the brake lights but your reaction time will be around 5 – 10 seconds. So from the moment your eyes see the two red lights, your brain and nervous system need 0.5 second to register the information and then tell your right leg to press the brake pedal. Or if you are driving at 60 kph per hour (16.6 metres a second), 5 or 6 metres behind the car in front, at the same speed after having braked, you will continue on at 8.30 metres in 0.5 of a second. Even if you push the brake immediately you will not be able to avoid the inevitable accident.

Keep your distance: typically by the length of your vehicle, 20 kpm an hour, two lengths at 40 kpm and three at 60 kph etc. Above 100 kph and especially on a road prone to slipping, it would be safer to leave a space equal of around 100 metres between your vehicle and the one in front.

This is a reminder that this is what French drivers were told circa 1960s (Guide de la Route – L’art de bien conduire), still as relevant but still as ignored today.


Foire Aux Vins Réservez la Date 2014 aude
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61specto


I’m getting an increasing number of calls from expats, based here in France, who are very worried and sometimes, completely dismayed by the financial advice they have received elsewhere. Worried by the fact that their investments have decreased in value, and dismayed when they realise that they cannot even withdraw their money or cancel their polices, as parts of the investment are now in funds that have been suspended (that is no-one can either buy them or sell them).

Now I’m not looking to get into any legal wrangle with the company concerned, and it is only one company, but I think this is a suitable time to flag up what is happening in the hope that some of you will avoid falling into this situation in future. I will also add that I am prepared to ‘adopt’ clients in this situation, in order to ensure as fruitful an outcome for the client as possible.


What is happening is not illegal, but it could certainly be regarded as unethical. The clients concerned have either unwittingly or deliberately chosen to put their faith in an adviser who is not regulated in France. This is not illegal, because we are all part of the wonderful organisation that is Europe, and that frees Europeans to ply their trade in other countries within the Euro block. That freedom of trade is not, however, backed up by a freedom of regulation. If you live in France and have cause to complain about advice you have received, the French regulator will show no interest in your case if the adviser is not in his jurisdiction. You will be guided to seek help from the regulator in the country where the adviser is based, and hopefully regulated. Good luck.

There are two main problems that I am seeing at present. The first relates to the quality of funds in which the clients are invested. At The Spectrum IFA Group we have an investment team that spend many hours evaluating hundreds, if not thousands, of funds and produce a recommended list for clients to invest in. There are of course hundreds of thousands of funds available, and we can’t look at them all, so we do allow our clients to choose their own investments if they wish, thereby ignoring our recommendations. All we ask in this instance, is that you sign a form to accept that the investment was your choice. There are many good funds out there, but there are also some bad ones. All of the (now) clients who have suffered in this way have been put into a single asset class which has had a disastrous time in the past eighteen months. Needless to say, none of the funds involved are on our recommended list.

The second issue centres on a specific type of investment called a structured note. These are often complex derivative products, and the type of note that I am now seeing regularly, certainly falls into that category. So much so, that the product notes that accompany the investment clearly state that this is only for seasoned professional investors, who are willing to accept the potential for serious loss of capital. None of the people I’m taking to fall into that category. The structured note is an interesting concept, and not all of them are overly complicated. You may have seen me write about such a note in the past, and you may have seen such a product at our seminars, offering an excellent 12 month fixed deposit rate alongside a five year deposit where the reward is linked to the performance of the stock exchange index. Not exactly ‘Janet and John’ stuff, but I like to think that I can explain it completely to my clients. And I don’t use it unless I’m completely sure that the client also understands it. I don’t understand the notes I’m seeing recently, and I’m sure the client doesn’t either.

So why sell them? Simply because the companies that make up these products factor in an element of commission to the brokerage that sells the note to the end user, the client. Now I don’t know how closely you look at small print when you read articles from me or Daphne, but if you look at the bottom of this article you will see reference to our client charter at http://www.spectrum-ifa.com/spectrum-if ... t-charter/

If you have read the charter, or are just about to do so, you will see or have seen this:

Some investment funds or products within an Insurance policy may generate an additional initial commission. If this is the case, we undertake to rebate this commission to you (in full) by way of increased allocation.

Strangely (not), none of the new clients I’m speaking to seem to have benefitted from this principle. It seems clear to me that funds are being pedalled for the advisers benefit, not the clients. This is a very dangerous practice.

I must stress that no laws have been broken here, and no fraud has taken place. I sell a simple structured note, but I pass on the commission. I even have clients who are invested in the struggling asset class that we have been talking about, but only by their own choice, and for many months now that has been contra to our advice.

Be safe – use locally produced goods, and that includes financial advice.

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 at www.spectrum-ifa.com and www.france-financial.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/spectrum-if ... t-charter/





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bridge

You are in four hearts and they lead the Queen of diamonds. What is your best line?


Dummy
A J
Q 10 9
6 5 4
9 8 7 4 3

Your Hand
4 3
A K J 8 7 6
A 3 2
A Q

Solution.


If the club finesse works, a 50/50 shot, you are home but there is a better line for clubs 4/2. Win the lead and play the Ace then the Queen of clubs. The defence will take their diamonds then probably play a spade. Win the Ace and ruff a club high. If all follow, draw trumps ending in Dummy and enjoy the club suit. If not, cross back to dummy and ruff another club high and use your trumps to get back to Dummy to enjoy the established club.


Lizzie Godfrey
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NEED TO LOSE A BIT OF WEIGHT?

JOINTS GETTING STIFF IN YOUR OLD AGE?

FORGET 'EXERCISE' - TRY N.E.A.T !

runfit11014



Why do people go to gyms / exercise classes? Well, part of the reason may well be for the social interaction that occurs but for the vast majority, the main reason is to 'get fitter' / 'lose weight'.
The reason for the very existence of gyms et al is to offer an artificial means of keeping our bodies moving, 60 years or so ago gyms didn't exist - why not? For the simple reason that we didn't really NEED them then - people walked as a means of getting from A to B, work was more generally manual, there were no home computers, television was still a relative luxury - we MOVED as a matter of course.

Dr. James Levine, a nutritionist, an endocrinologist and a professor of medicine has spent years researching alternative ways to lose weight other than 'exercise' - and it turns out that we just need to go back to basics!

What exactly IS Non-Exercise Activity Thermogenesis (NEAT)?
Levine has defined the term as "the energy expenditure associated with all the activities we undertake as vibrant, independent beings." Those activities include "occupation, leisure, standing, walking, toe-tapping, guitar playing, dancing and shopping,"

Levine and his team of scientists have uncovered a striking difference in activity (not 'exercise') levels between lean people and overweight ones. Their study measured - with the help of sensors - how much people moved about naturally and spontaneously.
The heavier ones tended to sit, while the lean ones were more restless and spent two more hours a day on their feet - standing, pacing around and fidgeting. The difference translated into 350 calories a day, enough for the heavy people to take off 30 to 40 pounds a year, if they would get moving.
Non-exercise activity can account for a significant portion of the calories burned in a day, anywhere from 15 percent in a sedentary person to 50 percent in someone who is very active. Standing takes more energy than sitting, and strolling along at just one mile an hour burns twice the calories of sitting.
Levine advocates this approach because the usual weight loss remedies usually fail. People have a hard time sticking with exercise programs and diets, and Dr. Levine argues that the very number of diet books and weight-loss plans is proof in and of itself that none of them work. "If one worked, we'd all be following it," he said.
Activity levels have declined, and he and many other obesity researchers say that decline, more than increases in eating, is to blame for rises in obesity.
The bottom line (!) is that as a species, humans are designed to move and we function optimally when we move regularly - it's when we DON'T move that things can start to get out of kilter in our bodies, one of the most obvious being that we don't burn as many calories as we need to (and this can often start a whole cascade of related problems such as diabetes, joint problems, heart disease etc. etc. - we've heard it all a million times before!).

It often gives shocking results, but here's a really interesting thing to do - work out how many hours per day you spend sitting or inactive (sleeping - necessary!, driving, sitting in front of the computer, television, reading, eating). Work out ways that you can gradually increase the amount that you MOVE - for example, don't sit for longer than half an hour at a time without getting up and moving around a bit, stand up for a while to watch the television (hard to do because postural muscles burn a lot of energy and it's surprisingly tiring!), stand when you don't need to sit (taking / making a telephone call for example), walk more - NEVER use an lift, escalator or those moving belts at airports, they are all robbing your body of the chance to move!
Even if you do an hour's exercise class regularly, it does your body no good whatsoever if you then remain inactive for the other 23 hours!

CONSIDER what you do on daily basis, get back to basics a bit and your body will love you!

Pat Penny
Massage Therapist
Heath and Fitness Specialist

info@potential-energy.co.uk
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jardin


If you have not yet planted your spring flowering bulbs now is the time to do so; anemones de Caen, muscari, Narcissus tazetta forms, Narcissus actea, many species tulps, Star of Bethlehem ... these and many other bulbs are native to summer dry climate regions and do very well in Languedoc gardens since they are dormant during the canicule. This is a good time too for taking cuttings, especially of plants which are not reliably frost hardy such as pelargoniums ("geraniums") and some sages. Young cuttings can be overwintered in a greenhouse, conservatory or in a cool room.


Now is the flowering time for autumn bulbs. Cyclamen hederifolium is a charming little perennial growing to about 10cm high, it has ivy-shaped leaves patterned with silvery-green, and (usually) pink, sometimes fragrant, flowers in the autumn. It's natural distribution stretches from southeastern France, through Italy, Corsica, Sardinia, Sicily, Croatia, Bosnia, Serbia, Albania, Bulgaria, Greece and western Turkey. It inhabits woodland, garigue, maquis, scrub, and rocky hillsides. There are many other cyclamen and if you are interested in finding out more then the Cyclamen Society of Great Britain is the place to go, their website is http://www.cyclamen.org/indexCS.html Sternbergia lutea is often, wrongly referred to as an autumn crocus, it makes a clump-forming bulbous perennial to 15cm in height, with narrow, dark green leaves and solitary deep yellow, goblet-shaped flowers in September and October, it comes from the Mediterranean region too. Both plants are well suited for gardens here.

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< !--[endif]-->

Regular opening times at La Petite Pépinière are limited to just to one weekend a month but the garden is always open by appointment - just email or phone to organise a time. We encourage people to visit the garden to look rather than to buy! Regular opening times for the rest of this year will be 10th, 11th & 12th October and 7th, 8th & 9th November. Our autumn sale day will be Saturday the 15th November. Remember too that we are always happy to organise guided visits of the garden here for groups.

< !--[if !supportLineBreakNewLine]-->
< !--[endif]-->
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.
--
La Petite Pépinière de Caunes
21, av de la Montagne Noire,
11160 Caunes-Minervois
04 68 78 43 81
www.lapetitepepiniere.com

















The Property Page




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Razes circulade village
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Price 99,000 euros. .



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Former Presbetary with courtyard near town centre
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readers write


all replies to mail@audeflyer.com please

Och Aye! The sad fact is the 'Independence issue' has been stirred up by a power-hungry self-promoting oleaginous smooth talking snake-oil salesman who sees himself as a latter day Rob Roy who has demonstrated he has not the slightest grasp of how economics work.... Alex Salmond has whipped up such venom & hatred among those who are easily swayed and unfortunately through no fault of their own are not very well informed. The regrettable thing is that he has put his case far better than Clan Cameron/Darling. Westminster is by no means perfect in its’ deliberations in history (Ireland included) and has made many mistakes in its’ past. But that will be as nothing compared to what the poor Scots will suffer if they vote Yes. Whatever the result, the legacy will be that 49% of Scots will forever hate the other 51%...!

Kind regards,

Bryan


Hi Steve
Are Ryanair trying a new way of generating revenue ?

Having booked our latest flight out of Stanstead, a few weeks ago and decided not to pay extra for a selected seat, we were expecting
the normal E mail reminder from Ryanair to print out our tickets, which has never arrived. We were within two days of travelling and went onto the Ryanair webb site to print out the tickets to
learn we could print out the outward tickets, with random selected seats at no extra cost. However, we could not print out the return tickets, as we were more then seven days away
from the return date (we have a ten day trip), although as we were within 30 days of the return date we could at extra cost book return seats and print off the return tickets.
Not having easy access to a printer whilst away, we opted to purchase the cheapest selected seats, which allowed us to print off the return tickets.
Is this an additional charge that cannot be avoided easily ? or a cynical way of catching people to print off there tickets at the airport at a grossly inflated charge ?
It would be interesting to learn of other peoples current experiences.
Regards

Martin




Hi Steve
Your computer column in the last Flyer claims:
"This browser alternative has been around for a long time, its used to be the fastest browser and much safe then Internet explorer or Firefox but it has lost its way over the years. The real downside for me is that the free version is Ad supported meaning part of the page/toolbar area is taken up by an advert. And why pay for a browser when Google Chrome is 100% free and so good."

I was disappointed to see Opera lumped in with spyware and adware. Funnily enough, I was reading the Flyer in Opera, which is free. Not an ad to be seen (except in the Flyer of course!). The information given is years out of date. Opera is now based on the Chromium engine. That's, ahem, what drives Google Chrome. Except Opera is faster and less crash-prone on my Mac than Chrome is, so I won't be removing it anytime soon.

Best regards
Veronica

Hi Steve

Opera is not a nice browser, my information about it being add supported/sponsored comes from the Opera web site.

It’s a good idea to read the terms or service: clip of license below

Data about the features (not websites) used in the Software is collected with the purpose to improve the Software and Services. The Software also creates a unique ID that is linked to your computer. This unique ID is processed with the sole purpose to measure marketing campaigns and distribution partners. Any crash logs sent by the Software will include the version number of the Software and information about the operating system. This information is collected with the sole purpose to improve the Software or the Services. Opera’s privacy policy located at http://www.opera.com/privacy (“Privacy Policy”) is incorporated by reference.

7.2 Opera Turbo is a web browsing service relying on web content being compressed on Opera proxy and video compression servers and then sent to the Software installed on your device.

the service collects the web addresses (not content of the webpages), IP-addresses, the end-user device make and model, and a randomly generated identifier for the Software. Opera stores and processes usage related log data to provide, debug, maintain and optimize the service. Opera server logs are kept for up to six months. Usage related log data are also used to generate aggregated and anonymized statistics for Opera’s own use, and for reporting usage to Opera’s customers.

The 1st page that Opera start is the Speed dial page where you will see 7 or 8 adverts from companies PAYING Opera.

operabruce stuff

Opera may like you to believe its the same engine as the Chrome browser but this is simply not true, google may use the chromium engine but in a very different way from Opera. Both companies take the basic chromium engine software and then totally rewrite it for their own use.

I use Opera to test web sites and compatibility with web site so I have seen it latest versions, I still do not like it. It has great problems displaying some sites, especially secure sites like banks, card payment screens etc. and often just shows a blank white page.

Apples Safari browser is also using the Chromium engine, if you have a Mac then make 100% sure you have the latest version of OSX 10.9.5 and soon to be 10.10 otherwise your computer is a risk of infection. Anything earlier than 10.9 should be upgraded to 10.9 as soon as possible or not connected to the internet.



Best regards,

Bruce.

Tel: 05 61 60 84 23
(If I cannot answer Please leave a message and I will call you back).

Bruce Taylor Pro Computer Support

www.brucetaylorpro.com




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 Octobre 2014
Bugarach Vide grenier des écoles, Course des cîmes
Coursan vide grenier
Pieusse vide grenier au profit de "Courir pour Curie"
Port Leucate vide greniers
Saverdun vide greniers +brocante
Dimanche 5 Octobre 2014
Armissan foire des vendanges
Arzens Vide-grenier d'Automne du Comité des Fêtes d'Arzens
Badens 14° Vide-greniers du service jeunesse -section jeune FRB
Carcassonne Vide grenier brocante
Coursan vide grenier
Coursan Vide grenier d'Automne
Coustaussa Vide grenier
Cuxac-Cabardès vide dressing
Fontcouverte Vide grenier
La Redorte vide grenier
Laure-Minervois vide grenier
Leucate Vide grenier du rugby
Limoux La mensuelle le 1er dimanche de chaque mois
Montréal Vide-greniers / Marché artisanal
Montréal vide grenier des Majorettes
Moussoulens vide grenier
Narbonne Vide Grenier Calandreta
Narbonne-Plage Vide grenier
Pennautier Bourse aux vêtements
Pezens vide grenier
Plavilla Vide greniers et brocante
Saint-Couat-d'Aude vide grenier
Saint-Marcel sur Aude vide grenier au profit du téléthon
Bompas vide grenier
Foix Vide grenier pompiers de foix
Lordat Vide greniers
Mazères vide grenier mensuel
Montgaillard vide grenier des Restos
Nalzen vide grenier
Pamiers Marché et puces et à la brocantes
Saint-Lizier marché aux Puces, de la cave au grenier
Saint-Quentin-la-Tour vide grenier
Sainte-Suzanne Vide-grenier sainte-suzanne
Saverdun vide grenier quartier de meras à saverdun


Vendredi 10 Octobre 2014
Salles-sur-l'Hers bourse aux vetements et matériel de puériculture
Samedi 11 Octobre 2014
Coursan vide grenier
Laurabuc Vide greniers
Pieusse vide dressing
Quillan Vide grenier du comité des Fêtes Roger Salengro
Salles-sur-l'Hers bourse aux vetements et matériel de puériculture
Mirepoix Bourse aux skis
Saverdun vide greniers +brocante
Dimanche 12 Octobre 2014
Azille vide-grenier
Bize-Minervois Méga Vide Grenier "Fitiavana Madagascar"
Bram vide grenier des familles rurales de bram
Canet bourse aux jouets
Carcassonne Vide grenier brocante
Couiza Vide grenier des écoles et bourse aux pièces automobiles
Coursan vide grenier
Coursan vide grenier asipe
Fabrezan Vide greniers
Ginestas mega vide grenier
Luc-sur-Orbieu Vide Greniers
Moussoulens vide grenier
Narbonne vide grenier d'automne
Ouveillan foire aux rougnes des vendanges
Portel-des-Corbières vide grenier asp gym
Rieux-Minervois vide grenier
Salles-sur-l'Hers bourse aux vetements et matériel de puériculture
Sigean vide grenier, bourse au jouets
Villasavary Vide grenier et bourse aux jouets
Laroque-d'Olmes Vide grenier du comite des fetes
Lavelanet vide jardin
Mirepoix Bourse aux skis
Mirepoix Vide-greniers Animat'hon Mirepoix
Montgailhard Vide poussette
Pamiers Marché et puces et à la brocantes

Saurat 2ème puces des Couturières et des Loisirs Créatifs


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peter
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Posts: 4299
Joined: Sun Feb 12, 2006 3:41 pm
Location: Languedoc, France

Re: Aude and Ariege flyer 2014

Postby peter » Thu Oct 16, 2014 9:16 am

Bonjour
Despite almost as much litigation surrounding him at the end of his last term in office as Berlusconi (and he’s gone very quiet, that’s a worry) Sarko is planning a comeback. He even has some policies, these are the headings:
Later retirement
Civil service cuts
Longer work week
Government spending limits
No new gay rights
Cut taxes
Referendums
A French economist wins the Nobel prize for, well you would think overspending, but no. He has been awarded the prize for his microeconomic research investigating how large firms should be regulated in order to prevent consumers beingdamaged by their monopolistic behaviour. But doesn’t that does sort of fall into the big brother side of communist thinking?

So the winner from the Air France strike was EasyJet, and as far as I know no resolution was reached, between Air France and pilots.

There is another strike planned for tomorrow - the CGT the country’s largest union is to protest the changes to the social security system, it will manifest itself differently in different parts of the country, so watch out.


So now there is screening occurring at airports with direct flights from countries with Ebola outbreaks and I am not sure that’s quite enough. It could be useful if the two major media stories of Isis and Ebola could be combined and Isis fighters contracted the disease, ooops no that’s as against the Geneva convention as beheading. Will they start using suicide Ebola victims spitting on a plane load of passengers? Not sure of the choice of name for this virus, it sounds like a close relative to tombola.



Steve




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


Lost in France

Our local village tips have closed. There used to be two of them, a small one for wood, garden waste and engine oil just outside the village and then another one, down the hill for general building rubbish, rubble, metal and cardboard. Perhaps it was just our village that had two tips and other villages have only one. The one here was used by a lot of professional builders from out of the area who used to dump interesting building materials without paying a charge.
Even though it’s a small village it is a farming community so a lot of rubbish accumulates. I’m not sure why the tips have been closed, probably to do with cost-cutting and reducing the amount of fuel used by the collection vehicles. Now we have to use tips miles away and whichever way you look at it it's an hour round trip driving to any of these places. So an hour’s worth of fuel on twisty roads does nothing to help the environment and just ends up costing us instead of the council money. And I thought some of our taxes went into the collection of rubbish.
I walked down to the lower tip to see if it really was closed and it has, with brutal efficiency the tip has been filled in, boulders placed out across its access way and a sign installed which says it is forbidden to dump rubbish here followed by a list of the type if rubbish you can’t dump (which I thought a bit unnecessary as if dumping was banned, all dumping was banned, but there you go).
But to make matters worse on the fuel consumption front, this is the view at the Limoux Leclerc petrol station where they are burning off residual fuel from the old pumps as the petrol station has now moved. I guess this must be the ONLY way to remove petrol?


Foire Aux Vins Réservez la Date 2014 aude
JAZZ KID DUTCH 16.11.aude
lenetwork Joinery 3




61specto


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

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

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

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

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

If you receive any cash sum from your retirement funds, for example, the Pension Commencement Lump Sum from UK pension funds, this would be taxed in France. The amount will be added to your other taxable income or under certain conditions, it can be taxed at a fixed rate of 7.5%. Furthermore, if France is responsible for the cost of your healthcare, you will also pay social contributions of 7.1%.

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

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

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

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

Whilst there might be a certain amount of ‘freedom of choice’ for some expatriate French residents from August 2015, as a result of the introduction of the EU Succession Rules, this only concerns the possibility of being able to decide who you wish to leave your estate to and so will not get around the potential French inheritance tax bill, which for step-children would still be 60%. Therefore, inheritance planning is still needed and a good notaire can advise you on the options open to you relating to property.

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

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

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

If you would like to have a confidential discussion about your financial situation, please contact me either by e-mail at daphne.foulkes@spectrum-ifa.com or by telephone on 04 68 20 30 17.

The above outline is provided for information purposes only and does not constitute advice or a recommendation from The Spectrum IFA Group to take any particular action on the subject of investment of financial assets or on the mitigation of taxes.

The Spectrum IFA Group advisers do not charge any fees directly to clients for their time or for advice given, as can be seen from our Client Charter at
http://www.spectrum-ifa.com/spectrum-if ... t-charter/.
Daphne Foulkes
SIRET 522 658 194 00017
Numéro d’immatriculation ORIAS 10 056 800






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Tech Talk

Not all chargers are the same.

We all have devices that have rechargeable batteries but did you know there is a huge difference in the technology of those batteries compared to 10 years ago. We all remember the old laptop or phone that you have to be very careful charging, wait for it to run flat then fully charge it before you could use it and to never charge it when it was half full/empty. Thankfully those days are long gone.

Batteries now use Lithium-ion technology which have big advantages over the old Nickel-cadmium batteries. It means modern batteries can be charged at any time, no matter how much or how little charge they have in them. They last roughly the same length of time their whole lives and do not reduce in power the lower in charge they get.

So what’s the downside? Life span, a typical Lithium-ion battery is good for between 1000 and 2000 charges or 2 to 2 ½ years, after that the performance and capacity of the battery is great reduced. Another downside is that poorly made or faulty Lithium-ion batteries can explode the materials they are made from are highly volatile when exposed to air or if the battery is short-circuited. All Lithium-ion batteries are sealed and have protections circuits inside to help protect them.

There are a few things you can do the keep your Lithium-ion batteries in good condition. The easiest is to keep them cool, if it’s your laptop battery then keeping the laptop its-self cool by using a cooling tray (not using it on your lap – worst thing you can do with a laptop).

Charge using the correct charger, some chargers charge faster than others – not all chargers are the same. Some have very clever circuits to allow fast charging while also keeping the battery cool. Some fast chargers are not so clever and simply push more electricity into the battery making it very hot and reducing its life. Unfortunately is very difficult to tell which so buying the manufactures branded charger is the only way to be sure, or good brand name like Belkin.

TOP TIP: The very easiest way of all – is never leave a Lithium-ion battery flat, always charge it the very moment it runs out. Lithium-ion does not like to be flat and it seriously damages the internal workings of the battery and greatly reducing its life.

So even though most chargers now have a USB connection and the plug fit everything from phones to tablets and cameras and kindles each charger may be slightly different and may change one device faster than another.
Slow charging over 8 to 10 hours with any charger that has the USB connection is safe, so when you go away on holiday and only want to take one charger its quite safe to do so.
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.



bruce11614



bridge

Bridge Problem

You are in 7NT and they lead the King of clubs. Drat. Any other lead would not have been a problem....can you see a solution?

Dummy
None
A K
A K Q
10 9 8 7 6 5 4 3

Your hand
A K
Q J 10
J 9 8 7 6 5 4
A

Solution.

All those lovely tricks horribly blocked. If you cash the A K Q of diamonds in Dummy there is no way back to your hand... the only solution is to play for a singleton ten of diamonds. Win the lead and play the AK of spades, throwing the AK of hearts from Dummy. Now play QJ10 of hearts from your hand, throwing the AKQ of diamonds! Then, hold your breath and play the Jack of diamonds. if the ten drops, you are home!!!



Lizzie Godfrey

meteo ciel3













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




jardin


Late September has brought quite a lot of rain to much of the Languedoc (and far too much in some areas, our sympathies with those in the Hérault and the Gard who have had some severe flooding problems) but the moisture that is now in the ground means that from now until early December is a very good time to be planting new plants, moving shrubs and dividing perennials. Remember that planting in autumn is best for the vast majority of plants since they can start to establish roots and their watering requirements will be reduced next summer. But, do note that slightly tender plants such as bougainvillea, plumbago and perennial morning glory are better planted in spring. There should be no further need to be watering gardens so hoses etc can be taken in and stored for the winter.

There is still plenty of colour in the garden; asters are always good for a show later in the year - the photo here shows Aster oblongifolius from dry regions of North America. The autumn rain has also encouraged the Nerines into flower, bulbs from South Africa which have been dormant all summer.


Regular opening times at La Petite Pépinière are limited to just to one weekend a month but the garden is always open by appointment - just email or phone to organise a time. We encourage people to visit the garden to look rather than to buy! Regular opening times for the rest of this year will be 7th, 8th & 9th November. Remember too that we are always happy to organise guided visits of the garden here for groups.

On Saturday 15th November we shall hold our autumn sale. As usual there will be a tour of the garden in the morning, there will be many plants at sale prices (because it is much better for plants to spend the winter in the ground rather than in pots!) and La Table d'Emilie will again be providing a meal at 15€ per head- the menu is

Spiced Butternut squash soup with a lemon creme fraiche and harrisa
Coq au vin with seasonal vegetables
Chocolate marquise toasted hazelnut cream
(Wine will be available)

Meal by reservation only (phone 04 68 78 70 10 or email latabledemiliecaunes@gmail.com). Catriona McLean will be here with quality garden tools and Harry will be exhibiting her hank drums again.


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.
--
La Petite Pépinière de Caunes
21, av de la Montagne Noire,
11160 Caunes-Minervois
04 68 78 43 81
www.lapetitepepiniere.com




















The Property Page




front door 011smallarcher
Razes circulade village
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 99,000 euros. .



esp107
ESPERAZA
Former Presbetary with courtyard near town centre
107,000€
currencysqbann
40bargain
Village house to renovate with a courtyard of 80m²
40,000€



Bordebasse du Lac - Cottage available for long term rental
Detached modern house
for sale in Montréal

bennettsplead
Holiday Apartment AiguaBlava,
Costa Brava
www.aiguablava.co.uk
002
Naturist Property 97,500 euro
YOUR PROPERTY ADVERT HERE
50€
for 13 editions (6months)
plus
link to your own web page

readers write


all replies to mail@audeflyer.com please

'Ageing gardener wants to keep a bit fit; do you have a push lawn mower you could spare? Side wheel variety preferred, but not essential. Mirepoix area.' - 05 61 60 06 63.

Hi Steve

Yet another amusing Flyer, thanks.

Regarding driving. There is the three second rule whereby you should be 3 seconds behind the vehicle in front, that way automatically the distance increases with speed. Also, it is easy to assess as a driver. Just pick a point when the car in front passes & count. If the gap is less than 3 seconds you are too close. Try it for yourself, you will be surprised how big the gap should be!

The only problem here on French motorways is that if you leave a 3 second gap four Frenchmen will jump into it!

Best Regards, keep up the good work.

Richard Bicknell

Whilst I totally agree with the sentiments expressed about the fascination for exhaust pipes displayed by the great preponderance of French drivers, might I suggest that if it tales 5-10 seconds to react to an emergency situation, then the person concerned is unfit to drive even a wheelbarrow.
John Fielden





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

Vendredi 17 Octobre 2014

Les Pujols Bourse aux jouets et matériel de puericulture

Samedi 18 Octobre 2014

Castelnaudary Vide grenier association 2tk

Coursan Vide grenier

Fleury d'aude Vide grenier

Les Pujols Bourse aux jouets et matériel de puericulture

Saverdun Vide grenier + brocante

Dimanche 19 Octobre 2014

Carcassonne Vide grenier brocante

Castelnaudary Vide grenier association 2tk

Couiza Bourse aux vêtement de l'asso. " Au Coeur des Estamounets"

Coursan Vide grenier

Coursan Vide grenier de L'association Gabyn et Eulaly

Cuxac-d'Aude Bourses aux vetements

Cuxac-d'Aude Produit du terroir et vide grenier

Moussoulens Vide grenier

Moux Vide grenier Mouxois

Narbonne Vide grenier associatif

Ornaisons Vide grenier association Ornaisons-Nature

Port-la-Nouvelle Vide Grenier de la CALENDRETA

Rieux-Minervois Vide-grenier - 12ème Fête de la Citrouille

Saint-André-de-Roquelongue Vide grenier brocante

Saint-Paulet Vide grenier, foire artisanale et produits du terroir

Salles-d'Aude Vide grenier et fête de la bière

Villalier Vide grenier

Villemoustaussou Vide dressing adulte

Dreuilhe Fete de la chataigne 11ème anniversaire

Engomer Marché thème "foire aux livres"

Les Pujols Bourse aux jouets et matériel de puericulture

Pamiers Marché et puces et à la brocantes

Saint-Félix-de-Rieutort Vide grenier des ecoles

Saint-Girons Salon d'automne toutes collections

Saint-Jean-du-Falga Vide grenier foire
Samedi 25 Octobre 2014
Coursan Vide grenier
Saverdun Vide greniers +brocante
Dimanche 26 Octobre 2014
Argeliers Vide grenier du bsm 15




Arzens Vide Dressing de la chorale la Malepere

Azille Vide grenier Jeux Lyonnais et Pétanque

BoutenacVide-greniers et marché aux pucespour la chapelle de St Siméon

Boutenac Vide grenier

Canet Vide Grenier du Rugby

Carcassonne Vide grenier brocante

Coursan Vide grenier

Ginestas mega Vide grenier

Moussoulens Vide grenier

Saint-Laurent-de-la-Cabrerisse Vide grenier des Teenagers MJC

Sigean Vide Grenier des Enfants: puériculture, vêtements, jouets

Villalier Vide grenier

Le Mas-d'Azil Vide greniers
Pamiers Marché et puces et à la brocantes
Tarascon-sur-Ariège Vide greniers
Samedi 1 Novembre 2014
Coursan Vide grenier
Fabrezan Vide Grenier du Handball
Rustiques Vide grenier
Bélesta Vide-grenier
Dimanche 2 Novembre 2014
Bram Vide dressing bourse aux jouets
Carcassonne Vide grenier brocante
Conques-sur-Orbiel Vide grenier brocantes
Coursan Vide grenier
Coursan Grand vide grenier anime du club 70
Limoux La mensuelle brocante
Moussoulens Vide grenier
Prat-de-Cest Vide-grenier
Raissac-d'Aude Vide grenier et marché gourmand
Saint-Marcel sur Aude Vide grenier
Salles-d'Aude Bourse aux jouets et puericulture
Villalier 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




LILY ALLEN 29 Oct Zenith Toulouse
IMELDA MAY 3 Nov Bikini Toulouse
ULI JON ROTH 4 Nov Bikini Toulouse
THE DO 9 Nov Bikini Toulouse




PINK MARTINI 10 Nov Halle aux grains Toulouse
GONG 14 Nov Metronum Toulouse
PETER GABRIEL 16 Nov Zenith Toulouse
SAXON +SKID ROW 26 Nov Bikini Toulouse
ANGUS & JULIA STONE 7 Dec Bikini Toulouse
DISNEY ON ICE 30 Jan 1 Feb Zenith Toulouse
DIRTY DANCING 1/3 May Zenith Toulouse
Image
User avatar
peter
Site Admin
Site Admin
 
Posts: 4299
Joined: Sun Feb 12, 2006 3:41 pm
Location: Languedoc, France

Re: Aude and Ariege flyer 2014

Postby peter » Sat Nov 01, 2014 8:58 am

Bonjour
Despite almost as much litigation surrounding him at the end of his last term in office as Berlusconi (and he’s gone very quiet, that’s a worry) Sarko is planning a comeback. He even has some policies, these are the headings:
Later retirement
Civil service cuts
Longer work week
Government spending limits
No new gay rights
Cut taxes
Referendums
A French economist wins the Nobel prize for, well you would think overspending, but no. He has been awarded the prize for his microeconomic research investigating how large firms should be regulated in order to prevent consumers beingdamaged by their monopolistic behaviour. But doesn’t that does sort of fall into the big brother side of communist thinking?

So the winner from the Air France strike was EasyJet, and as far as I know no resolution was reached, between Air France and pilots.

There is another strike planned for tomorrow - the CGT the country’s largest union is to protest the changes to the social security system, it will manifest itself differently in different parts of the country, so watch out.


So now there is screening occurring at airports with direct flights from countries with Ebola outbreaks and I am not sure that’s quite enough. It could be useful if the two major media stories of Isis and Ebola could be combined and Isis fighters contracted the disease, ooops no that’s as against the Geneva convention as beheading. Will they start using suicide Ebola victims spitting on a plane load of passengers? Not sure of the choice of name for this virus, it sounds like a close relative to tombola.



Steve




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


Lost in France

Our local village tips have closed. There used to be two of them, a small one for wood, garden waste and engine oil just outside the village and then another one, down the hill for general building rubbish, rubble, metal and cardboard. Perhaps it was just our village that had two tips and other villages have only one. The one here was used by a lot of professional builders from out of the area who used to dump interesting building materials without paying a charge.
Even though it’s a small village it is a farming community so a lot of rubbish accumulates. I’m not sure why the tips have been closed, probably to do with cost-cutting and reducing the amount of fuel used by the collection vehicles. Now we have to use tips miles away and whichever way you look at it it's an hour round trip driving to any of these places. So an hour’s worth of fuel on twisty roads does nothing to help the environment and just ends up costing us instead of the council money. And I thought some of our taxes went into the collection of rubbish.
I walked down to the lower tip to see if it really was closed and it has, with brutal efficiency the tip has been filled in, boulders placed out across its access way and a sign installed which says it is forbidden to dump rubbish here followed by a list of the type if rubbish you can’t dump (which I thought a bit unnecessary as if dumping was banned, all dumping was banned, but there you go).
But to make matters worse on the fuel consumption front, this is the view at the Limoux Leclerc petrol station where they are burning off residual fuel from the old pumps as the petrol station has now moved. I guess this must be the ONLY way to remove petrol?


Foire Aux Vins Réservez la Date 2014 aude
JAZZ KID DUTCH 16.11.aude
lenetwork Joinery 3




61specto


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

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

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

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

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

If you receive any cash sum from your retirement funds, for example, the Pension Commencement Lump Sum from UK pension funds, this would be taxed in France. The amount will be added to your other taxable income or under certain conditions, it can be taxed at a fixed rate of 7.5%. Furthermore, if France is responsible for the cost of your healthcare, you will also pay social contributions of 7.1%.

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

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

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

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

Whilst there might be a certain amount of ‘freedom of choice’ for some expatriate French residents from August 2015, as a result of the introduction of the EU Succession Rules, this only concerns the possibility of being able to decide who you wish to leave your estate to and so will not get around the potential French inheritance tax bill, which for step-children would still be 60%. Therefore, inheritance planning is still needed and a good notaire can advise you on the options open to you relating to property.

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

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

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

If you would like to have a confidential discussion about your financial situation, please contact me either by e-mail at daphne.foulkes@spectrum-ifa.com or by telephone on 04 68 20 30 17.

The above outline is provided for information purposes only and does not constitute advice or a recommendation from The Spectrum IFA Group to take any particular action on the subject of investment of financial assets or on the mitigation of taxes.

The Spectrum IFA Group advisers do not charge any fees directly to clients for their time or for advice given, as can be seen from our Client Charter at
http://www.spectrum-ifa.com/spectrum-if ... t-charter/.
Daphne Foulkes
SIRET 522 658 194 00017
Numéro d’immatriculation ORIAS 10 056 800






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58network
russelcoope14






Tech Talk

Not all chargers are the same.

We all have devices that have rechargeable batteries but did you know there is a huge difference in the technology of those batteries compared to 10 years ago. We all remember the old laptop or phone that you have to be very careful charging, wait for it to run flat then fully charge it before you could use it and to never charge it when it was half full/empty. Thankfully those days are long gone.

Batteries now use Lithium-ion technology which have big advantages over the old Nickel-cadmium batteries. It means modern batteries can be charged at any time, no matter how much or how little charge they have in them. They last roughly the same length of time their whole lives and do not reduce in power the lower in charge they get.

So what’s the downside? Life span, a typical Lithium-ion battery is good for between 1000 and 2000 charges or 2 to 2 ½ years, after that the performance and capacity of the battery is great reduced. Another downside is that poorly made or faulty Lithium-ion batteries can explode the materials they are made from are highly volatile when exposed to air or if the battery is short-circuited. All Lithium-ion batteries are sealed and have protections circuits inside to help protect them.

There are a few things you can do the keep your Lithium-ion batteries in good condition. The easiest is to keep them cool, if it’s your laptop battery then keeping the laptop its-self cool by using a cooling tray (not using it on your lap – worst thing you can do with a laptop).

Charge using the correct charger, some chargers charge faster than others – not all chargers are the same. Some have very clever circuits to allow fast charging while also keeping the battery cool. Some fast chargers are not so clever and simply push more electricity into the battery making it very hot and reducing its life. Unfortunately is very difficult to tell which so buying the manufactures branded charger is the only way to be sure, or good brand name like Belkin.

TOP TIP: The very easiest way of all – is never leave a Lithium-ion battery flat, always charge it the very moment it runs out. Lithium-ion does not like to be flat and it seriously damages the internal workings of the battery and greatly reducing its life.

So even though most chargers now have a USB connection and the plug fit everything from phones to tablets and cameras and kindles each charger may be slightly different and may change one device faster than another.
Slow charging over 8 to 10 hours with any charger that has the USB connection is safe, so when you go away on holiday and only want to take one charger its quite safe to do so.
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.



bruce11614



bridge

Bridge Problem

You are in 7NT and they lead the King of clubs. Drat. Any other lead would not have been a problem....can you see a solution?

Dummy
None
A K
A K Q
10 9 8 7 6 5 4 3

Your hand
A K
Q J 10
J 9 8 7 6 5 4
A

Solution.

All those lovely tricks horribly blocked. If you cash the A K Q of diamonds in Dummy there is no way back to your hand... the only solution is to play for a singleton ten of diamonds. Win the lead and play the AK of spades, throwing the AK of hearts from Dummy. Now play QJ10 of hearts from your hand, throwing the AKQ of diamonds! Then, hold your breath and play the Jack of diamonds. if the ten drops, you are home!!!



Lizzie Godfrey

meteo ciel3













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




jardin


Late September has brought quite a lot of rain to much of the Languedoc (and far too much in some areas, our sympathies with those in the Hérault and the Gard who have had some severe flooding problems) but the moisture that is now in the ground means that from now until early December is a very good time to be planting new plants, moving shrubs and dividing perennials. Remember that planting in autumn is best for the vast majority of plants since they can start to establish roots and their watering requirements will be reduced next summer. But, do note that slightly tender plants such as bougainvillea, plumbago and perennial morning glory are better planted in spring. There should be no further need to be watering gardens so hoses etc can be taken in and stored for the winter.

There is still plenty of colour in the garden; asters are always good for a show later in the year - the photo here shows Aster oblongifolius from dry regions of North America. The autumn rain has also encouraged the Nerines into flower, bulbs from South Africa which have been dormant all summer.


Regular opening times at La Petite Pépinière are limited to just to one weekend a month but the garden is always open by appointment - just email or phone to organise a time. We encourage people to visit the garden to look rather than to buy! Regular opening times for the rest of this year will be 7th, 8th & 9th November. Remember too that we are always happy to organise guided visits of the garden here for groups.

On Saturday 15th November we shall hold our autumn sale. As usual there will be a tour of the garden in the morning, there will be many plants at sale prices (because it is much better for plants to spend the winter in the ground rather than in pots!) and La Table d'Emilie will again be providing a meal at 15€ per head- the menu is

Spiced Butternut squash soup with a lemon creme fraiche and harrisa
Coq au vin with seasonal vegetables
Chocolate marquise toasted hazelnut cream
(Wine will be available)

Meal by reservation only (phone 04 68 78 70 10 or email latabledemiliecaunes@gmail.com). Catriona McLean will be here with quality garden tools and Harry will be exhibiting her hank drums again.


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.
--
La Petite Pépinière de Caunes
21, av de la Montagne Noire,
11160 Caunes-Minervois
04 68 78 43 81
www.lapetitepepiniere.com




















The Property Page




front door 011smallarcher
Razes circulade village
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 99,000 euros. .



esp107
ESPERAZA
Former Presbetary with courtyard near town centre
107,000€
currencysqbann
40bargain
Village house to renovate with a courtyard of 80m²
40,000€



Bordebasse du Lac - Cottage available for long term rental
Detached modern house
for sale in Montréal

bennettsplead
Holiday Apartment AiguaBlava,
Costa Brava
www.aiguablava.co.uk
002
Naturist Property 97,500 euro
YOUR PROPERTY ADVERT HERE
50€
for 13 editions (6months)
plus
link to your own web page

readers write


all replies to mail@audeflyer.com please

'Ageing gardener wants to keep a bit fit; do you have a push lawn mower you could spare? Side wheel variety preferred, but not essential. Mirepoix area.' - 05 61 60 06 63.

Hi Steve

Yet another amusing Flyer, thanks.

Regarding driving. There is the three second rule whereby you should be 3 seconds behind the vehicle in front, that way automatically the distance increases with speed. Also, it is easy to assess as a driver. Just pick a point when the car in front passes & count. If the gap is less than 3 seconds you are too close. Try it for yourself, you will be surprised how big the gap should be!

The only problem here on French motorways is that if you leave a 3 second gap four Frenchmen will jump into it!

Best Regards, keep up the good work.

Richard Bicknell

Whilst I totally agree with the sentiments expressed about the fascination for exhaust pipes displayed by the great preponderance of French drivers, might I suggest that if it tales 5-10 seconds to react to an emergency situation, then the person concerned is unfit to drive even a wheelbarrow.
John Fielden





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

Vendredi 17 Octobre 2014

Les Pujols Bourse aux jouets et matériel de puericulture

Samedi 18 Octobre 2014

Castelnaudary Vide grenier association 2tk

Coursan Vide grenier

Fleury d'aude Vide grenier

Les Pujols Bourse aux jouets et matériel de puericulture

Saverdun Vide grenier + brocante

Dimanche 19 Octobre 2014

Carcassonne Vide grenier brocante

Castelnaudary Vide grenier association 2tk

Couiza Bourse aux vêtement de l'asso. " Au Coeur des Estamounets"

Coursan Vide grenier

Coursan Vide grenier de L'association Gabyn et Eulaly

Cuxac-d'Aude Bourses aux vetements

Cuxac-d'Aude Produit du terroir et vide grenier

Moussoulens Vide grenier

Moux Vide grenier Mouxois

Narbonne Vide grenier associatif

Ornaisons Vide grenier association Ornaisons-Nature

Port-la-Nouvelle Vide Grenier de la CALENDRETA

Rieux-Minervois Vide-grenier - 12ème Fête de la Citrouille

Saint-André-de-Roquelongue Vide grenier brocante

Saint-Paulet Vide grenier, foire artisanale et produits du terroir

Salles-d'Aude Vide grenier et fête de la bière

Villalier Vide grenier

Villemoustaussou Vide dressing adulte

Dreuilhe Fete de la chataigne 11ème anniversaire

Engomer Marché thème "foire aux livres"

Les Pujols Bourse aux jouets et matériel de puericulture

Pamiers Marché et puces et à la brocantes

Saint-Félix-de-Rieutort Vide grenier des ecoles

Saint-Girons Salon d'automne toutes collections

Saint-Jean-du-Falga Vide grenier foire
Samedi 25 Octobre 2014
Coursan Vide grenier
Saverdun Vide greniers +brocante
Dimanche 26 Octobre 2014
Argeliers Vide grenier du bsm 15




Arzens Vide Dressing de la chorale la Malepere

Azille Vide grenier Jeux Lyonnais et Pétanque

BoutenacVide-greniers et marché aux pucespour la chapelle de St Siméon

Boutenac Vide grenier

Canet Vide Grenier du Rugby

Carcassonne Vide grenier brocante

Coursan Vide grenier

Ginestas mega Vide grenier

Moussoulens Vide grenier

Saint-Laurent-de-la-Cabrerisse Vide grenier des Teenagers MJC

Sigean Vide Grenier des Enfants: puériculture, vêtements, jouets

Villalier Vide grenier

Le Mas-d'Azil Vide greniers
Pamiers Marché et puces et à la brocantes
Tarascon-sur-Ariège Vide greniers
Samedi 1 Novembre 2014
Coursan Vide grenier
Fabrezan Vide Grenier du Handball
Rustiques Vide grenier
Bélesta Vide-grenier
Dimanche 2 Novembre 2014
Bram Vide dressing bourse aux jouets
Carcassonne Vide grenier brocante
Conques-sur-Orbiel Vide grenier brocantes
Coursan Vide grenier
Coursan Grand vide grenier anime du club 70
Limoux La mensuelle brocante
Moussoulens Vide grenier
Prat-de-Cest Vide-grenier
Raissac-d'Aude Vide grenier et marché gourmand
Saint-Marcel sur Aude Vide grenier
Salles-d'Aude Bourse aux jouets et puericulture
Villalier 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




LILY ALLEN 29 Oct Zenith Toulouse
IMELDA MAY 3 Nov Bikini Toulouse
ULI JON ROTH 4 Nov Bikini Toulouse
THE DO 9 Nov Bikini Toulouse




PINK MARTINI 10 Nov Halle aux grains Toulouse
GONG 14 Nov Metronum Toulouse
PETER GABRIEL 16 Nov Zenith Toulouse
SAXON +SKID ROW 26 Nov Bikini Toulouse
ANGUS & JULIA STONE 7 Dec Bikini Toulouse
DISNEY ON ICE 30 Jan 1 Feb Zenith Toulouse
DIRTY DANCING 1/3 May Zenith Toulouse
Image
User avatar
peter
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Re: Aude and Ariege flyer 2014

Postby peter » Fri Nov 14, 2014 7:20 pm

Bonjour

So all was good re the Qatari world cup bid and it was Britain who had been doing dodgy things. Well anything is possible. Flying pigs are often seen when there is a new Pink Floyd album out.
Even with the new transparency that President Blatter was introducing, there still appears to be no clarification of what he’s paid. With some research into their accounts, it would appear $102m was the wage bill for 350 employees. If they were all paid equally that would put each person on $290,000 + p.a. Which is quite a large amount really, perhaps someone got a lot of it which would bring the average down.

So the Catalans had a practice referendum and whilst the majority voted for the creation of Catalonia as an independent state not a high percentage of eligible voters could be bothered to turn out. Maybe they would be better out there on their own as they are pretty out there. Below are a few of the current Caganer available to complete your nativity scene and bizarrely what appears to be the main producer/vendor has Gordon Brown but not Clegg or Cameron.


Donc, Mr President Hollande has not managed to convince his public that he is anything other than boring. And now he has to decide if he is going to break the NATO embargo and deliver the first of the Mistral class assault ships, clearly it would make his accounts look better. Perhaps he is planning to sneak them out to the Russians?

The Ukraine situation is only going to end with the “Russian” troops creating a barrier around the eastern area that unofficially voted to become Russian and then Vlad will put his hands up saying that it’s the democratic will of the people. And of course no one will be able to do anything about it.

It’s hard to get used to the concept of ‘ I won’t fill the cars fuel tank up, it may be cheaper next time’, we have lived so long with ‘Fill it up, its bound to be dearer next time’.

I wonder how many thousands of extra staff had to be taken on to work on the "choc de simplification" which will allow, amongst 40 things, to apply for a driving licence online.

Apologies for the delay in receiving this Flyer, the whole team here have an ear infection, that’s me. It’s not something I can recall having before but it’s not nice as a lot of the time I feel about as wobbly as a probe on a comet, and that’s without being on a thing spinning and travelling at however many thousands of miles per hour. Oh, wait a minute, hold on, earth, yes I am, that explains it all.



Steve




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


Lost in France

It’s one of those autumn mornings where I feel far from lost in France. The sky is a piercing blue, the mountains are visible over the hills. Even the town down the valley is sharp and clear and free from the haze of wood smoke or mist. Out of view, hidden by the side of a hill is a castle, the Gestapo headquarters for the region during WW2.

I visited Villebazy where I had been told there was an interestingly engraved war memorial. On the prominent monument at the entrance to this tiny village beneath the familiar inscription to the children of the village killed in WW1 were the words ‘Assassinated by the Germans’ and just one name - Edouard Fabre born 1899 who was killed on 14th August 1944. This was Jean Louis Edouard Fabre who was mostly likely a member of the local maquis (Le Maquis AS de Villebazy).

At the end of July the head of the Aude resistance, Jean Bringer, was trying to find money that had been dropped by parachute and which had gone missing. He was tricked by a double agent working for the Gestapo, captured and executed. Edouard Fabre aged 45, was also captured and ‘died of his injuries caused by ill treatment from the Germans’ which I imagine means he was tortured.

Already in August 1944, the Allies were forcing their way down from northern France, landing forces were also arriving on the south coast and the resistance was gaining confidence and strength. The writing was on the wall. Five days later after the murder of Edouard Fabre on 19th August 1944 the Germans left Villebazy, heading east.



JAZZ KID DUTCH 16.11.aude
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61specto



EU SUCCESSION REGULATIONS – the perfect solution?

The EU Succession Regulations (also known as Brussels IV) were adopted on 4th July 2012. The UK, Ireland and Denmark opted out of the Brussels IV, but residents of these countries are still affected, particularly if they have cross-border succession interests.

The default position is that the law of “habitual residence at the time of death” will apply to the succession of the entire estate of persons who die on or after 17th August 2015. However, a person may choose the law of the country of his “nationality” to apply by specifying this in a will. If the person has more than one nationality, he can choose whichever he wishes.

Therefore, except for residents of the UK, Ireland and Denmark, a foreigner (not necessarily an EU national) living in any of the other 25 EU States can elect the country of his nationality to apply to the succession of his estate. Interim measures are already in place to make such a ‘nationality election’ now in a will, but it will not be effective until 17th August 2015.

There is considerable misunderstanding about the Regulations and whilst it is true that people will be able to choose the succession rules of their country of nationality this will not change the inheritance tax rules that apply. Therefore, if at the time of your death you are French resident or you own property in France, even if you have chosen the succession rules of another country, it is still the French inheritance tax rates that will apply. This means that the amount of French inheritance tax that your beneficiaries will have to pay will depend upon their relationship to you.

Unfortunately, I am finding that people who are purchasing property now and are planning to live in France may not be seeking adequate inheritance planning solutions. They believe that they can rely on the EU Succession Regulations to protect the survivor, but sadly they are not aware of the potential inheritance tax issues that can exist.

For example, the most common scenario that we come across is one that involves there being children from a previous marriage. Currently, unless the couple buy the property ‘en tontine’ or the children enter into a family pact with their natural parent, the surviving step-parent will not have full control over the property. The EU Succession Rules achieve the same effect as these techniques, if the couple elect for the succession rules of their country of nationality to apply and that country does not have any concept of children being ‘protected heirs’.

A perfect solution? Maybe, if the only objective is to protect the surviving step-parent, but if the step-parent wishes to leave the property to the step-children, then there will still be a 60% inheritance tax bill, so perhaps not quite the perfect solution!

Actually, I have greater concern about some expatriates who are resident in France now, who are already making new French wills, choosing the law of nationality to apply to their succession. This may be fine if there is a ‘stable family relationship’ and the couple only have children of their marriage, particularly as it is likely to cost less in legal fees than the alternative of changing their marriage regime to one of “Communauté Universelle avec une clause d’attribution intégrale de la communauté au conjoint survivant”, which would achieve the same effect.

However, many people have already undertaken inheritance planning (and paid for this), which has achieved the objective of protecting the survivor and mitigating the potential inheritance tax bills of their heirs, as far as possible. Depending on the situation (value of estates, stable family relationship or not), it is highly likely that the planning already undertaken will be better for the majority of cases and making a new will now might turn out to be a costly mistake for the potential beneficiaries.

Like all aspects of financial planning, every case should be looked at on its own merits and what seems clear is that there will be some cases where the ‘French way’ may still be best. For example, take my own situation where as a British citizen who is in a French civil partnership (PACS) with someone who has dual US and British citizenship, as well as him having two daughters and two grandchildren living outside of the EU, we will not be rushing ahead to request that English succession rules apply to our estates. Instead, we will definitely continue to depend upon our French family pact and assurance vie because in that way, we know that when the time comes, the survivor will be fully protected and the potential inheritance tax bills of our heirs have been mitigated.

Hence, as can be seen, tried and tested solutions already exist for dealing with property, plus assurance vie will continue to be an effective succession planning tool for financial assets. You can find out more about the ‘French way’ by reading my article on ‘Inheritance Planning in France’ on our website at http://www.spectrum-ifa.com/inheritance ... in-france/ or by contacting me directly for a copy.

Brussels IV aims to harmonise the approach to succession across the EU with the intention that the civil rules of only one jurisdiction apply to the succession of a person’s estate, i.e. habitual residence or nationality. However, due to the opt-out of the three Member States, this has already created uncertainty. In addition, it is not clear how the Regulations will work at a practical level, in particular, how the courts in one country will administer the succession of both moveable and immoveable assets in another country. Hence, even some international legal experts are not yet drafting transitional provisions into wills that involved a cross-border succession, as there is still too much uncertainty. We can only hope that there is further clarification before August 2015.

If you would like to have a confidential discussion about this or any other aspect of financial planning, please contact me, either by e-mail at daphne.foulkes@spectrum-ifa.com or by telephone on 04 68 20 30 17.

The above outline is provided for information purposes only and does not constitute advice or a recommendation from The Spectrum IFA Group to take any particular action on the subject of investment of financial assets or on the mitigation of taxes.

The Spectrum IFA Group advisers do not charge any fees directly to clients for their time or for advice given, as can be seen from our Client Charter at
http://www.spectrum-ifa.com/spectrum-if ... t-charter/.

Daphne Foulkes
SIRET 522 658 194 00017
Numéro d’immatriculation ORIAS 10 056 800





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bridge


You are in four spades and they lead the Jack of hearts. What could go wrong you ask? Think about it.

Dummy
J 6 5 4
A K 2
Q 6 5
A 10 4

Your hand
A K 9 8 7 2
7 6
A 4 3
J 3

Solution.
If trumps break 3/0 you may have four losers: a trump, a club and two diamonds. To avoid this, play one top trump. If the three trumps are on your right, play another top heart and ruff a heart and play another top trump and exit a trump. Whatever your right-hand-opponent plays now will give you an extra trick (try it). If your left-hand-opponent has three trumps, you will have to hope that the diamond King is onside.




Lizzie Godfrey
meteo ciel3
Le Flyer est disponible dans d'autres langues via le site web, audeflyer.com



jardin
It is still a good time to be planting trees, shrubs and hardy perennials while there is still warmth and moisture in the soil. Carry on raking up fallen leaves and adding them to compost heaps or using them for mulch. Start to think about preparing for the cold weather which will arrive at some point; mulch the base of slightly tender plants such as plumbago and evergreen agapanthus, take cuttings of tender plants and overwinter them in a frost free area and think about containers and protecting them overwinter. Leave flowerheads on perennials and grasses (they can be cut back in the spring) to provide winter structure in the garden and as forage and shelter for wildlife.

Zanthoxylum simulans is a lovely shrub that deserves to be better known. It has a spreading growth habit, eventually reaching three or four metres. It is deciduous with glossy green, aromatic leaves that will turn a lovely yellow before leaf fall. The small flowers are produced in June and the seeds ripen in October and November, the seed casing is dried for the culinary spice Szechuan pepper.




On Saturday 15th November we shall hold our autumn sale. As usual there will be a tour of the garden at 11am, there will be many plants at sale prices (because it is much better for plants to spend the winter in the ground rather than in pots!) and La Table d'Emilie will again be providing a meal at 15€ per head- the menu is

Spiced Butternut squash soup with a lemon creme fraiche and harrisa

Coq au vin with seasonal vegetables

Chocolate marquise toasted hazelnut cream

(Wine will be available)
Meal by reservation only (phone 04 68 78 70 10 or email latabledemiliecaunes@gmail.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.


--


La Petite Pépinière de Caunes


21, av de la Montagne Noire,


11160 Caunes-Minervois


04 68 78 43 81


www.lapetitepepiniere.com















The Property Page




front door 011smallarcher
Razes circulade village
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 99,000 euros. .



esp107
ESPERAZA
Former Presbetary with courtyard near town centre
107,000€
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40bargain
Village house to renovate with a courtyard of 80m²
40,000€



Bordebasse du Lac - Cottage available for long term rental
Detached modern house
for sale in Montréal

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Holiday Apartment AiguaBlava,
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002
Naturist Property 97,500 euro
YOUR PROPERTY ADVERT HERE
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readers write

Hello Steve,
French Rock may well be indifferent, but English wine certainly is not. Although subject to taste I know which one I prefer. I have a house in the village of Biddenden in Kent, where the first English vineyard of recent times was established in 1969. Since then they have produced some excellent vintages and their white Ortega and sparkling wines win awards nearly every year. In exceptional summers, as this year, they also produce a very good red wine from Pinot Noir grapes. The vineyard also has a large cider producing operation, with local apples being turned into the famous Biddenden cider.
We drink these products and also take them to France where they are well received, always with complete surprise and disbelief that the wine they are enjoying is English. That along with some mature cheddar and stilton cheese always wins the day.
So if international awards are any measure of success then English wine is successful and obviously French Rock music is not. However I fear the reality of the situation could well be lost on the French in general and the poster producer in particular!!
Keep up the good work, we greatly enjoy the flyer.
Regards
Stuart


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
Vendredi 14 Novembre 2014
Tourtrol Bourse aux jouets et materiels de puericulture
Samedi 15 Novembre 2014
Coursan Vide grenier
Limoux Vide grenier pour enfants hospitalisés
Saverdun Vide greniers +brocante
Tourtrol Bourse aux jouets et materiels de puericulture
Dimanche 16 Novembre 2014
Badens Bourse aux jouets et puericulture
Carcassonne Vide grenier brocante
Couiza Bourse aux jouets organisé par les pitchouns de la Salz
Coursan Vide grenier
Cruscades Bourse aux jouets
Cuxac-Cabardès Vide grenier du f.s.e. du college antoine courriere
La Palme Foire CD DVD vinyl cassette, lecteurs instruments
Laurac Vide dressing et Bourse aux jouets
Luc-sur-Orbieu Bourse aux Jouetset de puériculture
Montredon-des-Corbieres Bourse de Noel
Moussoulens Vide grenier
Pomas Bourse aux jouets, vêtements enfant et puériculture
Routier Vide- greniers du telethon
Thézan-des-Corbières Bourse aux jouets de la MJC
Villegailhenc Bourse aux jouets et vêtements enfant
Villemoustaussou Bourse aux jouets, vêtements enfant et puériculture
Bélesta Bourse aux jouets, puériculture
Le Mas-d'Azil Vide tout dans le cadre du telethon
Lissac Bourse aux jouets
Pamiers Marché et puces et à la brocantes
Saint-Girons Les puces du champ de mars
Saurat Bourse aux livres
Tourtrol Bourse aux jouets et materiels de puericulture

Samedi 22 Novembre
Coursan Vide grenier
Narbonne-Plage Caverne des enfants (troc et brocaante)
Villeneuve-lès-Montréal Vide dressing / puériculture, Bourse aux jouets / aux livres
Saverdun Vide greniers +brocante
Varilhes FESTI'SCRIB Jeunesse
Dimanche 23 Novembre
Carcassonne Spécial KIDS and BABY foire
Carcassonne Vide grenier brocante
Caunes-Minervois 1ere bourse aux vetements et aux jouets du haut minervois
Cavanac Bourse aux jouets et livres
Cépie Bourse aux jouets
Coursan Vide grenier
Le Somail Bourse aux jouets, puericulture, vetements d’ enfants
Montolieu Bourse aux jouets et matériel de puériculture
Moussoulens Vide grenier
Narbonne Bourse aux jouets et a la puericulture de l’école maternelle
Névian Bourse aux jouets & puériculture
Palaja Marché aux jouets et bourse aux vetements d'enfants
Portel-des-Corbières Bourse aux jouets de l'ASP GYM
Rieux-Minervois VIDE-GRENIER de Quartiers en Fête
Saint-Paulet Bourse aux jouets, vetements enfants
Villalbe Bourse aux jouets et materiel puericulture
Villeneuve-lès-Montréal Vide dressing / puériculture, Bourse aux jouets / aux livres
Engomer Marché et foire aux jouets
Pamiers Marché et puces et à la brocantes


What's On


pg121114
GONG 14 Nov Metronum Toulouse
PETER GABRIEL 16 Nov Zenith Toulouse
SAXON +SKID ROW 26 Nov Bikini Toulouse
ANGUS & JULIA STONE 7 Dec Bikini Toulouse
TRIAL INDOOR DE TOULOUSE 23 Jan Zenith Toulouse
DISNEY ON ICE 30 Jan 1 Feb Zenith Toulouse
NINA HAGEN 24 March Bikini Toulouse
DIRTY DANCING 1/3 May Zenith Toulouse
THE RED ARMY CHOIR 3 Nov Zenith Toulouse
LA TRAVIATA 28 Nov Zenith Toulouse
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peter
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Duck and foie gras Fair

Postby Anne Marie » Sun Nov 16, 2014 5:56 pm

Limoux - November 22 (Halles and Place de la République)
Castelnaudary - December 7 (Place de la République)
Belpech - December 13 and 14 (Salle Polyvalente)
Rieux-Minervois - December 20 (Salle Polyvalente)
Carcassonne - December 21 (Dôme Parking)
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Joined: Fri Dec 09, 2011 1:15 pm

Re: Aude and Ariege flyer 2014

Postby peter » Sun Nov 30, 2014 10:53 pm

Bonjour


I was wondering where Rasputin, ooops sorry Vladimir Putin, lives and a quick internet search turned up stories of a $350m palace (paid for in some odd ways) which supposedly he visited regularly during its construction.
Maybe it has nothing to do with him but if it really is his you can understand why he would want to have secured Crimea and why Georgia will be next on the list.
Click on the picture.
Plenty of room to wrestle bears and breed Chinese goat-eating tigers there





My ear problem seems to have turned into Labyrinthitis, which I would have thought was either an affliction of someone who spent too much time reading Kate Mosse books or had a season ticket for Hampton Court Palace. Alas no, and it’s a right pain in the ear, balance off and slight disconnection with the world is how its manifesting itself. Let’s hope I am making more sense than the usual diatribe.
The answer with regard to FIFA’s shenanigans is to start boycotting World Cup sponsors and partners, Visa, Coke and Adidas for example. Has someone a lot of spare time on their hands to start it off? All in one Rhythm.

Do you think president Hollande is going to Guinea to try to catch Ebola so that he can get the sympathy vote?





















There is talk of the EU trying to break up Google and I suppose following my idea that supermarkets in the UK do better if their name has only 4 letters - Aldi and Lidl etc., then they could put large parts of their business into Ogle and the search engine can then be Go, Ogle - kind of fits -
“anamorous, flirtatious, or impertinent glance or stare.”

In a similar way if they wanted to break up Facebook it’s easy, Face and book, not sure what would happen with Twitter, er....

Four letter names seems to be working for UKIP also, I am sure if I arrived in France tomorrow from an EU country and wanted to collect benefits I wouldn’t be able to. So maybe the UK could just adopt this model if that’s what the problem is.

I was surprised to see that Home Bargains in Britain are offering firewood, 2 cubic metres palletised and wrapped and delivered to your door for £299, unless you live in the highlands and islands where you will definitely need it and where there’s a surcharge to deliver it there. Not bad for a jumped up out of town glorified £1shop



Steve




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


Lost in France

We’re all Gothic now


The village of Saint Bertrand-de-Comminges isn’t exactly in the Aude or the Ariege, but it’s not too far away past Toulouse in the Haute Garonne. Here we are almost spoilt for medieval gothic atmospheric castles perched on cliff edges or towering over tiny villages and the powerful presence of the cathedral of Saint Marie at Saint Bertrand-de-Comminges will not disappoint. You can be driving peacefully along narrow village roads when round a bend the whole countryside is suddenly dominated by this magnificent gothic edifice.
It is a stopping point on the pilgrims’ route to St James de Compostela and the area has history dating back to Roman times. There are treasures hidden away and grotesque but beautiful wooden carvings in the chapels, but you can find the tourist spiel better described elsewhere. However, I will tell you that it is the location of a short story by one the greatest horror writers of the 19th century, MR James.
His splendidly malevolent ‘Canon Alberic’s Scrapbook’ is based in and around the cathedral. It is only about 8 pages but once you have read about the crocodile pinned to the wall and then you actually see it you do hope that the rest of the story isn’t as true. I don’t know whether it is James’ elegant careful prose which sends shivers up your spine or the description of the events surrounding the scrapbook, but if you enjoy the true gothic architecture of this area you must visit Saint Bertrand-de-Comminges.



Aude Flyer Xmas 2014
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61specto

Quite frankly I’ve been struggling to think of what to write about this week, but it suddenly struck me that there has been a recurring theme in a number of my client meetings recently. That theme, put simply, is, ‘Where will I end my days; in France, or in England?’. This isn’t a popular topic of conversation amongst vibrant, exuberant, middle aged expatriates, but we’re not the only people here. We are in the company of many seasoned expats who’ve been here longer than we have; seen it all; done it before we did, and are feeling a bit tired. Many of them are ‘going home’.

We should pay a lot of attention to this group, because we are going to inherit their shoes. We need to learn from their experiences, and take the opportunity to plan for the time when we will experience what they are going through.

Five years ago, when writing on a similar theme, I think I proffered the theory of the three ‘D’s as the principal reason to return to the UK: death; divorce and debt. I still think that they are valid causes, but I now think that there are many subtle variations to be taken into account, and the biggest addition to the equation is age. Age changes your perceptions; often for the better, but age often brings insecurity and loneliness. Add to that illness, and maybe bereavement, and you have a powerful reason to examine your reasons to continue to live hundreds of miles away from a family that (hopefully) continually worries about you. In short, no matter how much we pooh-pooh the idea now, the chances are that we may eventually end up being cared for in our final years in the UK rather than in France.

OK, that’s enough tugging at the heartstrings. Why is a financial adviser (yours truly) concerned about where you live, and where you may live in future? The answer is currency, specifically Sterling and Euro. In a previous existence, I used to be responsible for giving advice to corporate and personal clients of a major High St bank regarding exposure to foreign exchange risk. The basic advice was simple – identify and eliminate F/X risk wherever you can. F/X risk is for foreign exchange dealers; it is gambling. Don’t do it unless you know what you’re doing, and even if you do, prepare to lose money.

On a basic level, eliminating exchange rate risk is easy. Faced with a couple in their 50’s relocating to France with a healthy investment pot behind them and good pensions to support them in future, I will always ask ‘Where do you intend to spend the rest of your days?’ The answer is usually an enthusiastic ‘France, of course. We have no intention of going back to the UK. In fact wild horses wouldn’t drag us back.’ I know this for a fact; I’ve said it myself.

The foreign exchange solution is simple. Eliminate your risk. Convert your investment funds to Euro (invest in a Euro assurance vie). Convert your pension funds to Euro (QROPS your pension and invest in Euro). Job done. Client happy. For now. But what happens 25 years later, when god knows what economic and political shenanigans have transpired, and the exchange rate is now three Euro to the pound, and the surviving spouse wants to ‘go home’?

As it happens, I will no longer be his or her financial adviser. The chances are that I will have popped my clogs years ago, but If not, I will most likely be supping half a pint of mild in a warm corner of a pub somewhere in the cheapest part of the UK to live in. (In fact that is poetic licence, as I know full well that I’d probably be being spoiled rotten in my granddad flat in one of my sons’ houses).

To draw this melancholy tale to a close, I’d just like to round up by saying that things are rarely as simple and straightforward as they seem. My job is not always to take what you tell me at face value. I know people who’ve been here longer than you. My advice may well be ‘hedge your bets, spread your risk’. I will give you the best possible investment tools for your money and pensions, but I might just surprise you with my recommendation as to what currency those funds should be invested in.


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 at www.spectrum-ifa.com and www.france-financial.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/spectrum-if ... t-charter/





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Tech Talk


Hope for iPad 2 owners.

iOS 8.1.1 Brings Bug Fixes, Hope For iPhone 4S And iPad 2 Device Owners

iOS 8.1.1 is now available, it includes a number of bug fixes, improved overall stability, and, most importantly, performance improvements for older devices including the iPhone 4s and iPad 2. These devices, while technically supported with iOS 8.0, suffered a performance hit according to some as a result of the demands of the new OS, and this update should help make life easier for those who’ve already upgraded.

Apple doesn’t elaborate any further on just how these improvements work, but even just word of something potentially better should be welcome news to iPhone 4s and iPad 2 owners.

The update can be found by navigating to “Settings, General, and Software Update” and should download relatively quickly. Get it now, especially if you’re dissatisfied with the performance of your older device under 8.0 and later

Netflix in France


Netflix have launched here in France, its very easy to sign up and watch the Netflix service without needing to hide your location here in France.

The service will be based in Belgium or Luxemburg as the French do not allow streaming film services for anyone other than makers of French films. The content is very limited compare to Netflix USA but the number of titles is growing and more will be added next year. Don’t expect brand new films that are just out in the cinema it’s not that type of service, but there is more than enough to keep you out of trouble on winter nights.

The service cost 7.99 euros per month will allow you to watch films and TV series on your TV, laptop, tablet or any other device that can connect to the Netflix service.

The basic service runs very well over 1 or 2 meg broadband so most people should be able to get this, the HD service requires at least a 5 meg broadband connection and cost a little more per month.

Go to www.netflix.com to sign up.

If you need help or have any questions about your computer please give me a call or send me an email Bruce@mirax.org or Telephone 05 61 60 84 23.








bruce11614



bridge




Bridge Problem.

You are in five diamonds and they lead the Queen of hearts. Plan the play.
Dummy



S Q
H K 10 9
D 9 8 4 3 2
C K 9 8 7

Your hand

S K 6 5 3
H 2
D A K Q 6
C A Q 3 2




Solution

Did you duck the King of hearts? You must! Otherwise, if you cover and ruff the return and trumps are 3/1, you will be a trick short and unable to ruff their winning heart trick after having drawn trumps. Watch what happens when you duck the lead; a heart continuation (assuming the defence have made the lead from Q J) establishes a trick in the suit for you so you can ruff and draw trumps with impunity. If they switch you can just draw trumps and ruff two spades in Dummy.



Lizzie Godfrey
meteo ciel3
Le Flyer est disponible dans d'autres langues via le site web, audeflyer.com



jardin

It is still a good time to be planting and transplanting trees, shrubs and hardy perennials while there is still warmth and moisture in the soil. Remember that it is always a good idea to incorporate lots of organic material when planting; in heavy soils this improves drainage and aeration of the soil and in light soils it improves moisture retention. I am often asked where to obtain organic material; the best is to make your own compost and leafmould but it is worth asking at your local dechetterie about shredded green waste and/or at your local cave co-operaive about (well rotted) spent grape pressings. At the time of writing it is still very warm and dry but, on the basis that winter must surely arrive sometime it is a good time to be thinking about preparing for the winter - checking all your stakes and tree ties is always a good idea.

There is still good autumn colour around, just two examples of this are the field maple (Acer campestre) and the domestic service tree (Sorbus domestica). For a late show of flower in November then the tree dahlia (Dahlia imperialis) provides a brief but stunning display. It grows to four or five metres on annual stems and starts to flower in early November, the first proper frost will finish it off although in mild climates it flowers throughout the winter. The rootstock is winter hardy.





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. The nursery and garden don't have regular opening hours during the winer months but we are always open by appointment, just phone or email to arrange a time if you would like to visit.

--

La Petite Pépinière de Caunes

21, av de la Montagne Noire,

11160 Caunes-Minervois

04 68 78 43 81

www.lapetitepepiniere.com





choccours











The Property Page




front door 011smallarcher
Razes circulade village
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 99,000 euros. .



esp107
ESPERAZA
Former Presbetary with courtyard near town centre
107,000€
currencysqbann
40bargain
Village house to renovate with a courtyard of 80m²
40,000€



Bordebasse du Lac - Cottage available for long term rental
Detached modern house
for sale in Montréal

bennettsplead
Holiday Apartment AiguaBlava,
Costa Brava
www.aiguablava.co.uk
002
Naturist Property 97,500 euro
YOUR PROPERTY ADVERT HERE
50€
for 13 editions (6months)
plus
link to your own web page
readers write



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
Jeudi 27 Novembre
Foix Bourse aux jouets de la CAF
Vendredi 28 Novembre
Cuxac d’Aude Bourse aux jouets
Samedi 29 Novembre
Carlipa Bourse aux jouets, vide dressing
Coursan Vide grenier
Coursan Bourse aux jouets des parents d'élèves de Casanova et Miquel
Cuxac-d'Aude Bourseaux jouets de Cuxac d'Aude
Gruissan Playmobil Les 40 ans Gruissan joue aux playmobil
Limoux Bourse aux jouets Limoux
Pexiora Bourse aux jouets et vêtements d'hivers
Saverdun Vide greniers +brocante
Decembre 30 Novembre
Alzonne Bourse aux jouets et periculture
Arzens Bourse aux jouets, vêtementsenfants, articles puériculture
Belpech Bourse aux jouets
Boutenac Bourse aux jouets, vêtements et matériels de puériculture
Capendu Bourse aux jouets et articles de puériculture
Couiza Bourses aux jouets, puériculture et vêtements
Coursan Vide grenier
Coursan Bourse aux jouets des parents d'élèves de Casanova et Miquel
Cuxac-d'Aude Bourse aux jouets de cuxac d'aude
Espéraza Bourse aux jouets, puericulture et livres (école maternelle)
Fleury d'aude Marché de Noël et Vide-greniers
Ginestas Bourse aux jouets et vide dressing
Gruissan Playmobil Les 40 ans Gruissanjoue aux playmobil
La Palme Bourse: Jouets, vêtements enfants & articles puériculture
Ladern-sur-Lauquet Bourse aux jouets et de puériculture
Moussoulens Vide grenier
Narbonne Bourse aux jouets
Saint-Couat-d'Aude Bourse aux jouets et aux vêtements
Sigean Petit marche et brocante de noel
Villesequelande Vide dressing
Daumazan-sur-Arize Bourse aux jouets et articles de puériculture
Pamiers Marché et puces et à la brocantes
Rieucros Bourseaux jouets et puericulture
Saverdun Vide grenier de noel
Tarascon-sur-Ariège Vide grenier du telethon
Samedi 6 Decembre
Carcassonne Bourseaux jouets
Coursan Vide grenier
Pomas Vide-dressing
Quillan Vide Greniers du Telethon
Saint-André-de-Roquelongue Marche de noël-bourse aux jouets-vide grenier
Sallèles-d'Aude Bourse aux jouets
Saverdun Vide greniers +brocante
Dimanche 7 Decembre
Azille Bourse aux jouets/puériculture
Bages Bourse aux jouets / puériculture
Barbaira Bourse aux jouets organisé par le FACS
Bram Vide grenier
Capendu Marché de noël et bourse aux jouets
Carcassonne Vide grenier brocante
Caunes-Minervois Vide grenier
Coursan Vide grenier
Coursan Vide grenier du téléthon
Limoux Brocante
Montredon-des-Corbières Vide grenier du Téléthon 2014
Moussoulens Vide grenier
Narbonne brocante, Vide grenier, bourse aux jouets, produits terroir
Puicheric Marché de Noël, Fréginat et Vide-grenier
Roullens Bourses aux jouets
Sigean Bourse aux jouets/puériculture Calendreta
Villeneuve-Minervois Bourse aux jouets organisé par Les Ballerines de Villeneuve
Auzat Marchede noel et vide grenier
Castelnau-Durban La hotte de noël
Lavelanet 10eme Vide grenier du telethon
Lescure Vide grenier Téléthon Lescure
Mazères Vide grenier mensuel
Mirepoix 49° Bourses toutes collections
Pamiers Marché et puces et à la brocantes


What's On

trickytoulouse


ANGUS & JULIA STONE 7 Dec Bikini Toulouse
BEARDYMAN + PHAZZ 13 Dec Bikini Toulouse
TRIAL INDOOR DE TOULOUSE 23 Jan Zenith Toulouse
DISNEY ON ICE 30 Jan 1 Feb Zenith Toulouse
TRICKY 11 Feb Bikini Toulouse
NINA HAGEN 24 March Bikini Toulouse
WOODSTOCK GENERATION 27 March Bikini Toulouse
WWE LIVE 16 April Zenith Toulouse
DIRTY DANCING 1/3 May Zenith Toulouse
THE RED ARMY CHOIR 3 Nov Zenith Toulouse
LA TRAVIATA 28 Nov Zenith Toulouse

UK WINTER FUEL ALLOWANCE, Spend it Wisely.

About this time of the year, older taxpayers in the UK will again be
receiving another 'Winter Fuel' payment. This is indeed a very
exciting programme, and I'll explain it by using a Q & A format:

Q. What is a 'Winter Fuel' payment?
A. It is money that the government will give to taxpayers

Q. Where will the government get this money?
A. From taxpayers.

Q. So the government is giving me back my own money?
A. Only a smidgen of it

Q. What is the purpose of this payment?
A. The plan is for you to use the money to purchase gas and
electricity or a high-definition TV set, thus stimulating the economy

Q. But isn't that stimulating the economy of China?
A. Shut up

Below is some helpful advice on how to best help the U.K. Economy by
spending your 'Winter Fuel' cheque wisely:

* If you spend the money at Asda or Tesco, the money will go to
Gibraltar, Ireland and Luxembourg

*If you spend it on Amazon your money will go Lichtenstein

*If you spend it on eBay your money will go Switzerland.

* If you spend it on petrol your money will go to the Arabs.


* If you purchase a computer it will go to India, Taiwan or China.

* If you purchase fruit and vegetables it will go to Kenya, Spain, or Morocco.

* If you spend it on 'cheap' cigs it will end up in Romania or Bulgaria

* If you buy an efficient car it will go to Japan or Korea

* If you buy a luxury car it will go to India or Germany

* If you pay off your credit cards or buy shares, it will go to
management bonuses and they will hide it offshore

Instead, keep the money in the UK by:

1. Spending it at car boot sales

2. Going to night clubs

3. Spending it on call girls

4. Buying cider, beer or scotch

5. Getting yourself a Tattoo

6. Visiting a bookie

(These are the only UK businesses still operating in the U.K.)


No need to thank me... Just glad I could be of help.
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peter
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Location: Languedoc, France

Re: Aude and Ariege flyer 2014

Postby peter » Tue Dec 16, 2014 4:14 pm

Bonjour

It just gets better for Francois, he went to Guinea and didn’t contract Ebola while in Kazakhstan his advisers dressed him up to look like a stand in for Flanagan and Allen. And now he has to give all that money back to Russia for the warships he isn’t sending.

I am slowly recovering from the Labyrinthitis although I think it has continued to slow me down at the computer, and to cap it all yesterday when I was expecting to finish and send off this Flyer the damn thing decided to overheat and shut itself down every single time I got close, often losing me what I had just done. Oh what a lovely day it was!

I received a mail from Skype telling me the VAT rate I would be paying would be that of the country I am in, previously it was based on the Luxembourg VAT rate, a deal done by Mr Juncker when he was PM of the Grand Duchy. So why the change? Too much pressure from the rest of Europe?

Has anyone seen what the title of the newly formed amalgam of midi Pyrenees and Languedoc Roussillon will be? Any suggestions? Answers on a postcard please.

Were the British government saving money not updating their Air Traffic control computer system? Then it stopped working. That must mean delayed passengers now have a claim against their airline who will then claim it off of the government and bearing in mind the number of flights involved it can be quite a big pay-out. The European regulation says it is between 250€ and 600€ for a 3 hour delay with the amount being based on length of flight.

It would appear the traditional UK political parties need not be quite as worried about UKIP as it previously thought, they seem to shoot themselves in the foot with miraculous ease. There is no truth in the rumour that they are fielding a candidate called Rolf Cosby.
What about Russell Brand for Mayor of London?




Steve




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


Lost in France

Having watched the shopping frenzy being reported on British television, I’ve felt smugly about how I’m not a part of it down here in the Aude. Black Friday, Cyber Monday and everything else has passed me by, but for some reason a feeling of desperation and a need to buy stuff has been imbued into me. So as I went out to buy some stationery items, I could feel that urgency of a recognisable pre-Christmas shopping frenzy rising inside. In one shop I greeted ‘bon jour’ by virtually every worker there. It was a shop called something like ‘Fêtes du Jour’ - so full of presents and decorations for every occasion you would think this close to Christmas it would be pretty much full of people too. There was barely a soul and with Father Christmas hats at 0.79€ each – what’s going on?

At Tridome, the chaps in the Christmas Tree department in the parking lot were having a whale of a time trying out some machine that wrapped the trees up to make them manageable. This reminded me of a flight I once took in Russia, where every single person with a case had it wrapped in endless rolls of cling film by a little man with a machine. No one wanted to get their luggage tampered with, but at the other end, funnily enough no one was able to identify their cases.
As I left the parking lot I did have a very childish snigger when a woman entered the Christmas Tree area and said rather loudly, ‘je cherche ma bush’.

Aude Flyer Xmas 2014
panto15
lenetwork ABD-Aude-Flyer-Advert - 1




61specto


And Another Year Comes to an End

At this time of the year, people’s minds are very much focused on Christmas and families. For those of you travelling to spend time with family, let’s hope those journeys are trouble-free and flights, ferries, etc. run as planned.

The end of the year is always a good time for reflection and this year, we have had much to think about for our clients. However, as well as managing current financial risks for our clients, we are also forward looking. So I thought it would be a good time to do a quick review of some of the things that are on the horizon for 2015.

The UK Pensions Reform is big and we now have a reasonable amount of certainty of the changes taking place in April and it is unlikely that there will be any more changes of substance between now and then. The reform brings more flexibility, which is good, but the reality is that for many, the taxation outcome will be a deterrent against fully cashing in pension pots. This is likely to be even more so in France, where it is not just the personal tax and possible social contributions that are an issue, but also whatever you have left of the pot will then be taken into account in valuing your assets for wealth tax, as well as being potentially liable for French inheritance taxes.

The EU Succession Rules will come into effect in August. While the EU thinking behind this is good, i.e. to come up with a common EU-wide system to deal with cross-border succession, the practical effects will still have issues. The biggest issue for French residents is, of course, French inheritance taxes. Therefore, it may not necessarily be the case that the already tried and tested French ways of protecting the survivor and keeping the potential inheritance taxes low for your beneficiaries should be given up in favour of selecting the inheritance rules of your country of nationality. More information on the ‘French way’ can be found in my article at http://www.spectrum-ifa.com/inheritance ... in-france/ and on the EU Succession Regulations at http://www.spectrum-ifa.com/eu-successi ... -solution/

There is the UK General Election in May and who knows whether or not that will actually be followed at some point by a referendum on the UK’s membership of the EU. Nor do we know what the outcome of such a referendum would be and so there is really no point in speculating, at this stage.

For UK non-residents, we are expecting the introduction of UK capital gains tax on gains arising from UK property sales from April, subject to there not being any changes in the next budget. We had also expected that non-residents would lose their UK personal allowance entitlement for income arising in the UK, but we now know that this will not happen next year. The Autumn Statement confirmed that it is a complicated issue and if there are to be any changes in the future, these will not take place before 2017. Of course, there could be a change in government and so it might be back on the agenda sooner!

We will also have the usual round of French tax changes, although this year, the expected changes are much less extensive than previous years. The French budget is still winding its way through the parliamentary process and I will provide an update on this next month.

Turning to investment markets, my personal opinion is that the main factor that will have an impact in 2015 is central bank monetary policy. Whether this results in tighter or looser policy from one country to another remains to be seen. What is clear is that the prospect of deflation in the Eurozone remains a real threat and not only needs to be stopped, but also needs to be turned around with the aim of eventually reaching the target of being at or just below 2%. Other central banks around the world have a similar target and in areas where recovery is clearly underway, the rate of price inflation and wage inflation also needs to increase before we are likely to see the start or interest rate movements in the right direction.

Last but not least, with effect from 1st January 2015, under the terms of the EU Directive on administrative cooperation in the field of direct taxation, there will be automatic exchange of information between the tax authorities of Member States for five categories of income and capital. These include income from employment, director’s fees, life insurance products, pensions and ownership of and income from immoveable property. The Directive also provides for a possible extension of this list to dividends, capital gains and royalties.

So for now, I wish you all a Merry Christmas and I hope that 2015 is a year of peace for all.

If you are affected by any of the above and would like to have a confidential discussion about your situation or any other aspect of financial planning, please contact me, either by e-mail at daphne.foulkes@spectrum-ifa.com or by telephone on 04 68 20 30 17.

The above outline is provided for information purposes only and does not constitute advice or a recommendation from The Spectrum IFA Group to take any particular action on the subject of investment of financial assets or on the mitigation of taxes.

The Spectrum IFA Group advisers do not charge any fees directly to clients for their time or for advice given, as can be seen from our Client Charter at
http://www.spectrum-ifa.com/spectrum-if ... t-charter/.

Daphne Foulkes
SIRET 522 658 194 00017
Numéro d’immatriculation ORIAS 10 056 800



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bruce11614



THE NEW REGIME OF AUTOENTREPRENEUR. WHAT IS GOING TO CHANGE FOR YOU IN JANUARY 2015.

If you have chosen the status of autoentrepreneur you need to be aware of the new system which will apply from January 2015 :

- All autoentrepreneurs will now have to pay CFE (Cotisation Foncière des Entreprises, tax on business premises) but not in the year of creation of the business (previously the exoneration was valid for three years). This is a fixed amount which doesn’t depend on profits. Rates are determined by local authorities,
- New mandatory registration for tradesmen/women autoentrepreneurs in the Répertoire des Métiers (Directory of Tradespeople). For other kind of business, you will need to be registered in the Registre du Commerce et des Sociétés ( Trade and Company Register) . Those with existing autoentrepreneur business will have a year to comply with law,
- Payment of tax for to the Chambre de Commerce (Chamber of Commerce) or Chambre des Métiers (Chamber of Tradespeople). This is a fixed percentage on your turnover and depends on the nature of your activity. Previously, autoentrepreneurs were exempt from this tax,
- Obligatory training course prior to start-up for a tradesperson who is creating a new business (not mandatory for those already registered before January 2015 nor for autoentrepreneurs working in commerce),
- Optional implementation of a personalized support system for autoentrepreneurs reaching the 50% threshold of the annual turnover ceiling,
- Legal obligation for certain tradespeople to mention their insurance on their invoices and estimates. Especially important for builders, sub-contractors and those involved in renovation who will need to prove they have a ten-year guarantee Creation of a new single status of sole trader business (merging autoentrepreneur, micro business and traditional business model)-

You will be obliged to declare your turnover every quarter on a form sent the Régime Social des Indépendants (RSI, social securitiy for the self-employed). This form needs to be returned by a certain deadline. Your contribution to sick benefits, pensions…etc will be calculated on the basis of these figures. Even if (at first) you do not have any turnover, you will still have to complete the quarterly declaration putting 0 in each box and send it to the RSI. Otherwise, they will send you a “friendly” reminder at a cost of 47 euros. Be careful if you do not complete the declaration for two years, you will be automatically struck off the RSI. You will no longer belong to the system and you will not be able to start a new company for a period of two years.
Ghislaine Demorat
A.SAP Assistance and Private Services
bridge




Bridge Problem.

You are in four spades. The Defence lead the Ace and King of hearts followed by another heart which gets ruffed on your right. A trump is returned, both following. Its all yours.

Dummy
K Q 10 9 8 7
Q J 10
A Q
A K

Your hand
A J 6
7 6 5 4
5 4
J 6 5 4


Solution.
You can hope that the diamond finesse works for your tenth trick but there is also an extra chance of Q x x of clubs in either hand. Win the trump return in Dummy
and cash the Ace/King of clubs. Return to hand with the Jack of trumps, thereby drawing the last trump, and ruff a club in Dummy. If the Queen drops you can return to hand with the Ace of trumps to cash your club winner, if not, try the diamond finesse.


Lizzie Godfrey
meteo ciel3
Le Flyer est disponible dans d'autres langues via le site web, audeflyer.com



jardin

The coming festivities are probably taking up more of your thoughts than the garden at the moment but although we have had a relatively mild autumn cold weather will arrive; remember to mulch the rootstock of tender plants, protect plants in containers and wrap outside taps!

The photo is of Arbutus unedo/Strawberry tree/arbousier ... a Mediterranean native which is an excellent garden shrub or small tree - evergreen, attractive bark, white flowers in winter, fruits from last year ripening at the moment - great for wildlife.

Finally - very best wishes from La Petite Pépinière for the festive season and we hope to see many of you at the nursery or in the garden in 2015




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. The nursery and garden don't have regular opening hours during the winter months but we are always open by appointment, just phone or email to arrange a time if you would like to visit.

--

La Petite Pépinière de Caunes
21, av de la Montagne Noire,
11160 Caunes-Minervois
04 68 78 43 81
www.lapetitepepiniere.com






truffles












The Property Page




front door 011smallarcher
Razes circulade village
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 99,000 euros. .



esp107
ESPERAZA
Former Presbetary with courtyard near town centre
107,000€
currencysqbann
40bargain
Village house to renovate with a courtyard of 80m²
40,000€



Bordebasse du Lac - Cottage available for long term rental
Detached modern house
for sale in Montréal

bennettsplead
Holiday Apartment AiguaBlava,
Costa Brava
www.aiguablava.co.uk
002
Naturist Property 97,500 euro
YOUR PROPERTY ADVERT HERE
50€
for 13 editions (6months)
plus
link to your own web page
readers write

Hi Steve
Always enjoyable to read your 'editorials'.
Don't know if you've had this before: It's not surprising Tesco are having to do some creative accounting, when their adverts always end with 'Every Lidl helps'.
In the words of a lot of correspondents to 'Private Eye', keep up the good work.
Very best wishes
John

If you have relatives in the UK on Netflix, you can use their password and receive films in France/
Pauline



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 13 Decembre 2014

Bram Marché de Noël, vide grenier

Coursan Bourse aux jouets des parents d'élèves Casanova et Miquel

Coursan Vide grenier

Saverdun Videgreniers +brocante

Dimanche 14 Decembre 2014

Carcassonne Vide grenier brocante

Carcassonne Grand Vide Greniers de l'Ecole de Cirque au Foyer Montlegun

Coursan Videgrenier de l'atelier de nanie

Coursan Bourse aux jouets des parents d'élèves Casanova et Miquel
Lauraguel Vide dressing et bourse aux jouets
LimouxBourse aux jouet età la puériculture
Montréal Videgrenier
MoussoulensVide grenier
Pech-LunaVide grenier de noel
PépieuxBourse aux jouets






Port-la-NouvelleBourse aux jouets

Rieux-Minervois Bourse aux jouets et vêtements

Gajan Vide-grenier et marché de Noël

La Tour-du-CrieuLes pucesde l'enfance

Les Bordes-sur-ArizeVide armoire et bourse aux jouets

Montaut Bourse au jouets

Pamiers Marché et puces et à la brocantes

Samedi 20 Decembre 2014

Coursan Vide grenier

Saverdun Vide greniers +brocante

Dimanche 21 Decembre 2014

Carcassonne Vide grenier brocante

Coursan Vide grenier

Moussoulens Vide grenier

Mazères Vide Grenier (dans le cadre de la foire aux gras)

Pamiers Marché et puces et à la brocantes

Saint-Girons Les puces du champ de mars



What's On



TRIAL INDOOR DE TOULOUSE 23 Jan Zenith Toulouse
DISNEY ON ICE 30 Jan 1 Feb Zenith Toulouse
TRICKY 11 Feb Bikini Toulouse
NINA HAGEN 24 March Bikini Toulouse
WOODSTOCK GENERATION 27 March Bikini Toulouse
WWE LIVE 16 April Zenith Toulouse
DIRTY DANCING 1/3 May Zenith Toulouse
THE RED ARMY CHOIR 3 Nov Zenith Toulouse
LA TRAVIATA 28 Nov Zenith Toulouse
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User avatar
peter
Site Admin
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Posts: 4299
Joined: Sun Feb 12, 2006 3:41 pm
Location: Languedoc, France

Re: Aude and Ariege flyer 2014

Postby peter » Sat Dec 27, 2014 7:23 pm

Bonjour

That’s nearly it then - another year and another 26 Flyers. It wasn’t my intention to offend with the title of the last Flyer, it was more a sentence that came to mind based on the inevitable commercialisation of Christmas in the UK.

The cynic in me does have the feeling that the best and cheapest promotion campaign any film company could have had for an upcoming movie has been the story relating to “The Interview”. Let’s just imagine that Sony hacked itself and then put out a North Korean infiltration story, and then they stopped the film being released, well at that point they have huge download and DVD sales potential. But then comes the extra bonus - Mr President says that it must be released at cinemas so another huge tranche of publicity and then it sells out wherever it opens… brilliant!

In all the reporting of torture and redaction that has come out recently I noticed something that made me laugh quite a lot. The headquarters of the CIA is called the George Bush Center for Intelligence, it was less funny when I worked out that was named after dubyah’s dad rather than the mastermind himself.

How does a person in a cosseted position, such as one would imagine that of the Archbishop of Canterbury, end up with pneumonia? It’s made worse that he is called Welby.

Following a number of van and stabbing incidents in France prior to Christmas the French government decided to deploy 300 troops around the country, as a show of strength!
I would have thought 3000 wouldn’t have been very visible let alone 300, so maybe it was meant to be 30,000?
Where had Francois Hollande whisked Julie Gayet off for the holidays? Apparently he went off to St Pierre and Miquelon (it’s just off Newfoundland, I had to look myself)and it’s an overseas collectivity of France.
Could it be a handy stopping off point for the Caribbean?

So the Easyjet strike didn’t hurt too much the comings and goings to the Sud? Unions representing French Easyjet cabin crew have called another strike for Dec. 31st and Jan 1st


All the best for 2015





Steve




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


Lost in France
My previous posting should have warned me not to speak too soon. Within hours of smugly enjoying my genuine lack of Christmas shopping frenzy my fridge packed up. At this point I could go on about the word ‘convenience’ and how it appears to originate from the French and how the meaning differs in the two languages. I could also compare and contrast the virtues of Darty and Conforama using their on-line shopping, in-store experience and delivery services to qualify my comments. I could also expound at length about a 10% reduction offered on a €600 item damaged in transit by the delivery people. But I won’t. Instead I will leave you with a seasonal joke, to remind myself that there are worse things in life than not having a fridge in winter and that we can all do with a laugh:
Four of Santa's elves got sick, the trainee elves did not produce toys as fast as the regular ones, and Santa began to feel the Pre-Christmas pressure.

Then Mrs. Claus told Santa her Mother was coming to visit, which stressed Santa even more.

When he went to harness the reindeer, he found that three of them were about to give birth and two others had jumped the fence and were out, Heaven knows where.









Then when he began to load the sleigh, one of the floor boards cracked, the toy bag fell to the ground and all the toys were scattered.
Frustrated, Santa went to the house for a cup of apple cider and a shot of rum. When he went to the cupboard, he found the elves had drunk all the cider and hidden the liquor. In his frustration he accidently dropped the cider jug, and it broke into hundreds of little glass pieces all over the kitchen floor. He went to get the broom and found that the mice had eaten all the straw off the end of the broom.
Just then the doorbell rang and Santa marched to the door, yanked it open, and there stood a little angel with a great big Christmas tree.
The angel said cheerfully, ‘Merry Christmas, Santa. Isn’t this a lovely day? I have a beautiful tree for you, where would you like me to put it?’
And so began the tradition of the little angel on top of the Christmas tree. Not a lot of people know that.




lenetwork




61specto


I have a firm belief that you should never advise others to do things that you are not prepared to do yourself. I’ve been advising Spectrum clients for nearly nine years now, and in that time have fielded many of the same questions many times over: Do you have an Assurance Vie? What have you done with your pension? These are two very regular questions, and they are easy to deal with.


When I arrived in France in 2003 I had no idea what an Assurance Vie was, and QROPS hardly existed, other than in a very embryonic form. By late 2006 though, when I was ‘up and running’ with The Spectrum IFA Group, I had both. I was probably my easiest client, but that’s not to say I don’t take a lot of convincing. Understand the product, appreciate the benefits, and take advantage of them; that is the way I tend to work.


Cash and pension investments aren’t the only thing a Spectrum adviser comes into contact with on a regular basis though. We get asked all sorts of questions about how best to adapt to life in France. One of the biggest topics is the health service over here compared to the UK. ‘Stick or twist’ as I mentioned in one of my recent articles. Common wisdom suggests that the French health service is streets ahead of the NHS, but I’ve never been an NHS basher. My generic advice has always been to join the French system whenever you can, as it’s never made sense to me to rely upon being able to skip back to the UK if you need to, but I’ve never been able to back this up with any solid experience. Until very recently that is.


I know full well that having something simple like a blood test is a very different experience in France. In the UK I would go along to my local hospital, pay a fortune to park my car in the car park, take a ticket (number 93, with 37 flashing on the counter). An hour or so later (maybe) I’m away, with only ten to fourteen days to wait until I phone my surgery for the results. In France I drive to the laboratory, park outside (free), hand in my Carte Vitale and the prescription, and take a seat. Sometimes I wait for ten minutes; more likely five or less. Certainly out within fifteen minutes, and the results will be available to print off from the internet the same afternoon.


But what about a major operation? Well, there comes a time in the life of any finely tuned international athlete/overweight ex international banker* when things wear out, and in my case my right hip has been the first to go. Here then was my big opportunity to add to my life experience, and it was always going to be done in France.


That was earlier this month, and I’m glad to say that I’m very much still here to tell the tale. Don’t worry, I’m not going to entertain you with the gory details. Suffice it to say that my treatment was absolutely exemplary. I couldn’t have been looked after better. The clinic (Medipole in Toulouse), was (is) modern, spotlessly clean and efficient. The staff are all amazing; always cheerful and so helpful, and this at a time when pay and conditions for staff are an increasing concern. Marvellous.



Please don’t get the wrong idea and think that I enjoyed the experience though.
There are several thousand other things I can think of that I’d rather do than go through it again. However, if I have to, I know where I will have it done, and it will be here in France.


All that remains for this year is for me to wish you a very happy New Year. Let’s look forward to an exciting and prosperous 2015 for all.

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 at www.spectrum-ifa.com and www.france-financial.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/spectrum-if ... t-charter/



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


csf241214


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

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









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fit241214
The surprising nutritional benefits of
Christmas Day lunch

In an attempt to make us all feel better about eating like things possessed at Christmas, I thought I'd share this article from The Telegraph - fill your boots!

" The Christmas season is often associated with gluttony and over-indulgence - and why not too? We're all allowed to go a bit bananas now and then. Thankfully, your tale of Christmas nutrition need not be one of bulging eyes matched by expanding waistlines. There are some seasonal staples around at this time of year that have some great hidden health benefits. Make sure you include them in your Christmas food wish list and the Yuletide season need not be as damaging as some will have you believe.

Sprouts of hope

First on the list is the humble brussel sprout. Sprouts have the same chemistry as all of the brassica’s (like cabbage and broccoli) but with super concentrated levels of key nutrients. The most important is the isothiocyanates, a chemical group that has antimutagenic activity. This means they help cells correctly metabolise certain compounds that could otherwise trigger mutations leading to cancer. Brussels sprouts are also a wonderful source of beta carotene and several important minerals like magnesium.

'Probiotic' parsnip

Next, is the parsnip. These gorgeous root vegetables are a great food for digestive health.

The power of the parsnip is all down to a large indigestible sugar called an oligosaccharide, which lends the vegetable its distinctive sweet flavour. Oligosaccharide essentially acts as a food source for the good bacteria in the gut, which ferment the compound as they feed on it. During this process, the bacterial colony can grow and strengthen.

During fermentation the bacteria also release beneficial compounds such as butyric acid, which helps to protect the gut from damage.

Red cabbage relaxant

As well as adding an amazing colour contrast to your meal, red cabbage can give your body a nutritional boost. The deep colour in red cabbage comes from a group of compounds called flavonoids. These have been well studied in recent years, and are known to deliver a broad array of antioxidant and anti-inflammatory activity. Recent research shows that due to action upon blood vessels, flavonoid rich foods can have a transient lowering effect upon blood pressure.

Sleep-inducing turkey

This list wouldn't be complete without the inclusion of turkey. Now, whilst it may not be the most exciting meat in the world, turkey does have one very interesting property: it's a rich source of the essential amino acid tryptophan. Tryptophan is used to create the neurotransmitter serotonin, which then goes on to form another neurotransmitter called melatonin, which helps induce a deep sleep. So eating turkey can help you sleep! However, one thing you need to remember is that tryptophan rich foods must be consumed with a carbohydrate source, in order to get the amino acid across the blood brain barrier where it can be converted. Which could explain the post-Christmas dinner coma (I'm sure eating your own bodyweight and drinking a gallon of champagne has nothing to do with it)."

Wishing you a very Merry Christmas and Happy and Healthy New Year!

Pat Penny

Potential Energy - Massage / Bodywork, Health and Fitness

info@potential-energy.co.uk

bridge




Bridge Problem.



You are in six clubs and the defence lead the Ace and King of hearts. Can you spot the best line?

Dummy


K 7 6 5 4 3
5 4
K 2

9 8 2



Your hand

A 9
2
A 6 5 4 3
A K Q J 10

Solution

You need to hope that the diamonds break at least 4/2 and the clubs 4/1. (If you play on spades, you need clubs and spades to break 3/2 – a lesser chance) Ruff the King of hearts and play the King of diamonds, the Ace of diamonds and ruff a diamond high in Dummy. Cross back to hand with the Ace of spades and, if diamonds are not 3/3, ruff another one high. Now play the 2 of clubs to hand and draw trumps. Contract made.




Lizzie Godfrey
meteo ciel3
Le Flyer est disponible dans d'autres langues via le site web, audeflyer.com



jardin


So ... Christmas is over and there is plenty to do in the garden! The mild December has meant that leaf fall from deciduous trees has been late so there are lots of leaves still lying around that can be collected and turned into leafmould or added to your compost heap. Now is a good time to spread compost on the surface of beds so that worms can work it over during winter. Winter usually brings windy weather at some point, make sure to check the soil around plants, especially newly planted ones, and firm soil down if it has been loosened. If you have planted winter flowering pansies regular dead-heading will ensure continued flowering.

The mild December meant that many plants are still flowering; one unusual herbaceous perennial is Reinwardtia indica - it is winter hardy but flowers in the winter which means that in most years the flowers are destroyed by early frosts, not so this year and the golden yellow flowers have brought a lovely touch of colour to the garden.




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. The nursery and garden don't have regular opening hours during the winter months but we are always open by appointment, just phone or email to arrange a time if you would like to visit.

--

La Petite Pépinière de Caunes

21, av de la Montagne Noire,

11160 Caunes-Minervois

04 68 78 43 81






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The Property Page




front door 011smallarcher
Razes circulade village
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 99,000 euros. .



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ESPERAZA
Former Presbetary with courtyard near town centre
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Bordebasse du Lac - Cottage available for long term rental
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Holiday Apartment AiguaBlava,
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readers write


Steve,

I am an Australian and I am displeased of your flippant through away title of this flyer. It is far from amusing and shows your ignorant disregard for those involved in yesterday’s events in Sydney. @ innocent people died in that siege and they deserve more respect than that not given by you!

I am unsubscribing from your email and will be letting everyone I know that does subscribe of my thoughts of you as editor.

Peter


Steve
I only wish to say one thing about your heading regarding "Jihadi Lindt" for today's Flyer, while innocent people were still being held hostage at gunpoint by a nutter - very insentiive and very poor taste.
David

We really did not appreciate you making a joke of the death of two innocent people. You would be the first to whinge loudly if an Australian newspaper made light of the death of Lee Rigby. This event is not funny, and not something to make you look 'clever'. You just show yourself to be a smart arse with no feelings, and no common sense.
Kerry


Dear Steve,

Just learned of the passage to a better place of Joe Cocker... What a good man. I had the chance to meet him once, in Budapest, where he was singing. I was with Bobby Charlton - we were attending a sports 'do'. Of course he recognised Bobby & asked if he could join us! I just gasped. At table with two of my favourite heroes!! I just listened gob-struck as they discussed the relative merits of the 'Blades' and the 'Owls'.
Of course, Joe came from Sheffield, home of Sheff. United & Wednesday, so he knew what he was talking about!
I assume you knew him pretty well. I think he's worth a word, no a track, or two in the next edition of the 'Flyer', which along with 'L'Independant' & 'L'Equipe' is my only journalistic reading matter these days!
Cheers & a Merrie Christmas & Happy New Year

Rupert

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 27 Décembre
Coursan Vide Grenier
Saverdun Videgreniers +brocante
Dimanche 28 Décembre
Carcassonne Vide grenier brocante
CoursanVide Grenier
Pamiers Marché etpuces et à la brocantes



Samedi 3 Janvier
Coursan Vide grenier
Saverdun Vide greniers +brocante
Dimanche 4 Janvier
Carcassonne Videgrenier brocante
Coursan Vide grenier
Limoux Brocante La mensuelle le 1er dimanche de chaque mois
Mazères Vide grenier mensuel
Pamiers Marché et puces et à la brocantes



What's On

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TRIAL INDOOR DE TOULOUSE 23 Jan Zenith Toulouse
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