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Friday 24 February 2012

A House In France: 14 - Paying Taxes

EPISODE 14


Taxing time of year

YouTube - link

MJ - Not my favourite subject!. Lloyd has recently had to pay a French tax “avis d'imposition “which is a assessment notice" or tax notice
LA - In my case it was similar to stamp duty that you would have to pay if you bought a house here in the UK for me it was buying the land to build the house on.
Whilst you would normally have to paid in one hit in the UK, thankfully in France it is split in 2 payments 12 months apart.
MJ - Normally the tax notices are sent from the second week of August until the end of the month. Taxpayers who have recently changed address should contact their local tax office or tax service for individuals, whose details are listed on the last tax.
Some taxes you can pay online - http://impots.gouv.fr 
MJ - I have paid both the Tax Foncière and Taxe d’habiatation using the website. Taxe Foncière is the tax that is levied on property owners and usually payable in October,. The other property tax is the Taxe d'Habitation, and this is paid by the occupiers of a property, whether they own it or rent it and is payable in November each year.
LA - Was it straightforward?
MJ - Yes and unlike in the UK where you might get a 1 line email saying you have paid being French you get to print out a nice full page certificate!
Website links from the show:
LA - Website for this episode www.tv5.org or www.tvmonde.com which is actually the same site You can also get it on your mobile m.tv5monde.com also iTunes app to download. For Android users go to Android Market and search for tv5monde. Available on air Sky 799 or Virgin 825

Wednesday 21 December 2011

A House In France: 13 - Keeping a Record

EPISODE 13


YouTube - link

Lloyd and Mark discuss keeping a blog as a record of work on your property and/or life in France.

One of the ways to keep a record is to create a blog. Effectively an online diary.
MJ - There are a number of sites you can register with that allow you to publish your work. Some are free http://www.moonfruit.com/ - http://www.blogger.com to name just a few
LA - I use blogger.com which is google hosted. Simply go to the site and register to begin. If you have a google account or email then you  already have a head start. There are a number of pre-defined templates to choose from or you can create your own.
MJ -  If you have your own web domain and are happy designing your own then you can use such content management software such as http://wordpress.org/  which I have used for a number of years.
LA - The great thing about Wordpress is that there are lots of people writing modules to do different things, or different themes. Some are free and some you can buy.
Before you publish your article, read it again and again, several times in fact. Blogger allows you to preview your article before you publish it. Whilst you can edit it after it’s published. It’s better to get it right first time.
MJ - Photographs make a great addition. In fact using photos can help you write the articles and keep them focused.
Website links from the show:


Friday 4 November 2011

A House In France: 12 - The Winter Blues

EPISODE 12


YouTube - link

MJ - How is the construction project going, close to being finished?

LA - Had some news this week, the doors and windows are in. They are putting in the partition walls and the ceiling is in. They do have some catching up to do as basically nothing happened over August and September. 

As for completion. We don’t have an actual date yet. They did say when we started back in January, that it could be anytime between September and December. So in theory they are still on target. 

MJ - Had a good visit a few weeks ago. Loir problem update. Trip to Sarlat. Only bad summer weather in July. Red squirrels 


LA - As your place is in the Dordogne or as it has become known as Dordorgneshire as there are some 20,000 British  living there. Have you been watching any of the series. 


MJ - No!   Little England - http://www.itv.com/itvplayer/video/?Filter=285003


FlyBe update - frequent flyer program


SECTION 2 - Main Subject


MJ - “The winter blues” - many second home owners, or even those living there,  go into a phase of ‘why do we have this house in France’ at this time of year!


So I have to remind myself about all the good things about being able to spend time in France. So we thought we would talk about some of them.


10 Reasons to have a place in France:


1 - The food


2 - The Wine 


3 - The weather


4 - The way of life


5 - The peace and tranquility


6 - The scenery


7 - Family focus / lunch closures / sunday’s 


LA - One thing I would like to add even though I don’t live there yet.

It would seem that - There is less temptation to go shopping in France. People do tend to socialise more. We have had dinner with our neighbours down the road already and the house isn’t even finished.

8 - Escaping from England


9 - The cost (lower property prices / tax)


10 - The challenge! 



SECTION 3 - Hints and Tips
LA - Something which missed the last episode was the fact that I had to pay my first Taxe Foncière This tax is an annual property ownership tax imposed on the owner, whether or not the property is actually occupied by them, or rented out. Firstly it was not clear who is should be out out to.
So on digging around the small print I found it
“libellez votre chèque à l'ordre du Trésor public”
“make your check payable to the Treasury (Trésor public)”
The main problem I had was actually how to write out a French cheque. Having never actually done one before, I needed to look one up on the net

(show image - AHIF FR cheque.jpg)

So here is a short brief

Amount: You need to fill in the box on the right with the amount in numbers, like a British cheque. Then write the amount in words in the first space along the top of the cheque, after 'Payez contre ce chèque non endossable'.


Payee: The name of the person or company you want to pay goes underneath, on the line after 'à'.


Place: Under the box with the amount in numbers, there is a line after 'A', where you need to fill in the place where the cheque is being written ie Perigueux


Date: Under the location, you will find the line for the date, after 'LE'.


Signature: Finally, you need to sign the cheque in the space under the place and date.


MJ - Or like me you can pay on-line!


 SECTION 4 - Our websites for this episode

MJ: -   

LA:  - How to Fill Out Your French Cheque

http://www.euro-cheque.com/EC-fr.htm

http://kitchenplanner.ikea.com or B&Q do the same



Monday 19 September 2011

A House In France: 11 - There are still bargains!

EPISODE 11


YouTube - link

Lloyd and Mark discuss areas to look at for property bargains and Mark gets upset with Flybe internet booking!


LA - Great to be here again in the studio. Just give you an idea of how far we are reaching. Had a message from a viewer in South Africa to say while they are not looking to buy somewhere now they enjoy the programmes. 


MJ - Thats one of the great things about the internet, you can link up with people all over the world.  We have some ideas to make the show interactive, more on that at the end. 
We are not alone - Like to thank our producer Peter.  
LA - Recently asked by someone who has just come back to the UK after being in Sweden. They are looking to buy in France and wanted to know where the cheapest places in France are. This really is dependent on what kind of property you are looking for. Whether it be a renovation project or something you can move in to. Also if you are going to move out there or have it as holiday home or rental.
Limousin and Auvergne have some of the cheapest properties namely Corrèze but bear in mind these are rural areas and may not have all the facilities you are looking for. So if a getaway from it all location is what you are after then here is a good place to start.  You can get a total renovation project from a little as 8,500 euro.
You can get property for less than 100K but prices are on the increase all over so if you are after a bargain then the sooner the better.
Mark what are the properties in the Dordogne like?
MJ - Properties in the Dordogne are generally expensive being a popular tourist destination. There are wrecks of houses near us that have been for sale for years at unrealistic prices! You will be lucky to pick anything decent up for under 100,000. Bargains are few and far between. 
We are in the North of the Dordogne and that is cheaper than for example along the Dordogne river. When we were looking 6/7 years ago similar properties there were at least 25% more expensive there than where we are. But 20 km north of us they are cheaper again, in the Correze.
You haven’t had to face this yet Lloyd but many people with second homes in France will be making a trip over in the next month or two to close the house up for the winter.
LA - That’s not something I am looking forward to doing. Being further south it is perhaps not quite as important as in some areas. What do you have to think about?
MJ - We do get temperatures of -10 to -20 in the winter so frozen pipes can be a problem. Obviously it is best to drain the system down if you can and lag any particularly exposed areas that you can’t drain. Swimming pools can be another problem. We seal all the inlets/outlets and drain the pipes and all the equipment in the technical room. This is where all the inflatable air beds etc come in useful!
LA - Anything else you need to think about doing?
MJ - We try as best as we can to protect the place from the local wildlife population but they are clever little so and so’s! All bedding etc is put away, dust sheets are put everywhere and we turn most of the electrical circuits off. We do have a CCTV system connected to the internet but am never sure if this is a good idea or not!
LA - Security is one of the things I was thinking about, maybe we’ll take a look at that in separate episode.
MJ - We normally go out before the end of October and will do the same again this year.

SECTION 2 - Rant of the week

MJ - In fact we just booked our tickets and that exercise made me mad! I love flying Flybe, friendly staff, local airports, normally a pleasure. But there booking system is being tweaked to get every penny out of you and if you are not careful you will spend more than you have to. To me it is verging on being immoral even if it is legal.
For example the site now automatically selects seats for you , which you have to pay for and it is not obvious how to unselect them, thats £10 per person. The there is paying for baggage. I remember when this was introduced and Jim French talked about it being only £2 per bag and made it fairer for those not wanting to take bags etc. Well now it is £12.99 each way for a 20KG bag!  Then if you want to pay by any card except for an Electron card there is a charge. This practice is being investigated and Flybe now appear to have split this charge into 2 parts a transaction fee and a cc charge. This amounted to over 10% on our booked, over £20. In case anyone doesn’t know credit card companies charge around 1 - 2%, probably less for a company like FlyBe. 
This really grates with me, as you can tell!
LA - Well I guess we wont be getting any sponsorship from FlyBe for this show then?! Much the same can be said for other budget airlines but I think they are more publicised,so I guess more people are aware of it.
MJ - Don’t get me wrong, I really like FlyBe except for the booking process. If they need to charge £x for a flight, be honest up front and just state that! There is to much of the Dell boy in this process now.    
LA - Time to move on before Mark explodes! 

 SECTION 4 - Our websites for this episode:

LA - My website for this episode is INSEE - National Institute of Statistics and Economic Studies - France
http://www.insee.fr/en 
MJ - Well I have been talking about flights. There is a very useful map on the French Entree website that enables you to quickly see what flights are available from your local airport:
 http://www.frenchentree.com/france-flight-map/france-flight-map/ffm3.asp


The Languedoc-Roussilon region is a up and coming area with Mediterranean coastline on one side to the mountains of the Pyrenees, so this has something for lots of people. The Herault being the cheapest department according to stats. 

If you want something closer to home with just a hop across the channel there are deals to be had in Finistère, Brittany for just under 32,000 euro

So are you going out to close the house up soon?


If you want to take a look at the statistics of population and demographics of France

Thursday 25 August 2011

A House In France: 10 – The French embracinig DIY?

EPISODE 10

YouTube - link

Lloyd and Mark talk about how the French appear to be embracing DIY and give some travels tips including a demo if an Apple iPad translation app!

Here in the studio and pleased that Lloyd is again here in person and we don’t have to deal with Skype issues. Welcome Lloyd.


LA - Great to be here...... I see more tech been added to studio again


MJ - Spike is still alive and we are again joined by our producer Peter.  


We have had some positive comments about the last episode and that people like this format so it’s good to be able to do it this way again. 


LA - I put a link to the video on my website..... and also had some nice comments from viewers.


MJ - After the last episode where you talked about your visit to the house can I assume not much has happened during vacation season? 


LA - That’s right, I don’t expect to hear any more news until the children have gone back to school in September a major event called le rentree. The start of a new academic year With most of France taking their annual holiday in August you cannot traditionally get any work done on your house, unless you are using ex-pat builders. According to recent reports the French have made change to tradition and have started work on their property. While we in the UK are all too familiar with the DIY on a bank holiday weekend the French have embraced the idea of DIY.


Not quite on the same scale as say B&Q and Homebase, Leroy Merlin and Mr Bricolage are busy not just with foreign property buyers.

Hopefully this will encourage the price of DIY products to be more competitive.

Although a friend of mine in Sweden told me that a tin of plain white paint that you can buy in the UK for £10/12 cost the equivalent of £75.00 in Sweden.


MJ - Brico Depot appears to be the most competitive chain in France with some great pricing. Many prices better than in the UK. Except paint if course.   I did hear one discussion on why paint is so expensive in France but am yet to be convinced! apparently the Brits are strange wanting thick paint to reduce the number of coats you need.


LA - With most of France take their annual holiday in August. That said be wary if you are driving through France then roads can get somewhat congested. France is a big country so make sure you plan your route ahead and if you are using the many motorways there are lots of service stations or as they call them Aire de Service along the way. Ranging from basic picnic areas to fully serviced with fuel, shops and even accommodation. A problem that I found is that after many hours searching I could not find a anything on the web that actually shows where they all are.

One of the projects I recently started is one using Google maps. Whereby anyone can join the collaboration to map out all the service areas across France.
http://aire-de-service.blogspot.co.uk/

If you want to join me in this send me an email at lloyd@ttfn.tv


MJ -  You mentioned service stations. One of the great unanswered questions is why do most UK houses have more toilets than a French motorway service station?


LA - There are some questions that shouldn't be answered, discussions on French toilets is one area I think we really should stay clear of! 


I did ask some locals in my village as to why don’t French people spend time on DIY, the answer was “they do, but its on the inside” they don’t want the tax man to think they have any money


MJ - Some of the Property taxes are based on habitable living space, so if you convert an attic or a barn your taxes will go up. Of course you do have to tell the authorities. In our area of France there are many new DIY self builds. Done at weekends and it appears that like a lot of things in France it is a social activity with many people coming to help and food and drink being served. There are two properties within a few kilometer of us that have gone up in this way in the last couple of years. And yes they do have entrance gates out of proportion to the size of the house!


SECTION 2 - Useful Tools


MJ -  Many useful apps for mobile devices to help when traveling. Some work standalone, some have to be connected to the internet. The dictionary on my iphone is particularly useful but I also have a translation app on my iPad which has proved very helpful.


Thought we would do a quick demonstration.


The app is called iTranslate and there will be a link in the show notes.


http://itunes.apple.com/us/app/itranslate-free-translator/id397730127?mt=8


LA - That looks very useful etc etc.Being an HTC user, if your French isn’t good and a handy tool you can download from the HTC market or indeed from their web site is VINCI autoroute, we’ll put a link in the website also. This shows congestion and road works etc.


Section 4 - Our websites for this episode:

MJ -  http://en.wikipedia.org/wiki/France 


LA: - Bison-Fute is a real time traffic information web site. Showing road works, congestion areas focusing mainly on city, national routes and motorways

http://www.bison-fute.gouv.fr/diri/Accueil.do?langue=en

http://aire-de-service.blogspot.co.uk/



Thursday 28 July 2011

A House in France 9 – Trips and pools

EPISODE 9


YouTube - link

MJ - Now we have both been to France recently. How was the house Lloyd, is it a house yet?

LA - Yes we have been to the house, it’s strange having just seen in drawing form and email pictures we actually walked in the real building not a virtual space. As we walked in via the garage door, well the doors and windows were not fitted so we walked in through the gaping hole it amazing to see the scale of things. I had to explain to my brother who came to visit the next day that you have to bear in mind the internal walls were not in.

MJ - So what is the estimated completion date? Has it moved?

LA - There has not been any great progress since we were there, having said you have to remember that not much happens in the construction world as France goes on holiday, so do expect things to come to a stop. Be prepared before hand or simply wait till September there’s not much you can do about tradition.

How was your trip to the Dordogne?

MJ -  Very mixed trip, first week was great, then the worst weather since we bought the place. Neighbour had the fire on! Little work been done.

LA - Did you visit any interesting places on your trip?

MJ - Our normal trip to Segur le Chateau.

LA - That looks like a place everyone should visit.

MJ - It is well worth a visit, On the last show we talked about the new tax on second home owners. It has been canned, probably because it was probably legal under EU law.

LA - That’s good news for all of us. With the house under construction my thoughts are turning to whether to have a swimming pool. We have touched on this several times in the shows but let's go a little deeper (pun) today.

SECTION 2 - Pool Factors

MJ - We had our pool built but if I had time would probably do it myself! There are several options - traditional build, fibre glass, sectional. For traditional build and sectional you need to decide on a liner or on tiles. Liner needs professional fitting in my view, tiles can be fitted but should be done in one go!

LA - How did you decide on the size to build?

MJ - Combination of guess work and experience of other pools. We stayed at a campsite in France that had a 10 x 5 m pool and we thought that was a good size, My wife just added the roman steps.

LA - But what about the depth?

MJ - This is the factor we didn't think about much and should have. We went for the traditional 1m shallow 2.2m deep end. With hindsight would rather have had a constant 1.5ish depth. Better for games. Not a lot of diving goes on so this would have been better.

LA - Do you heat it?

MJ - We do now. But we also have a fantastic insulated cover which makes a big difference. Pools lose heat as soon as air temp at an air temp of pool temp+ 4c so a cover for cool days and over night makes a big difference. After a couple of years we added an electric heater which is an air pump, 4 - 1 efficiency.

MJ - Swimming pool design and filter systems - Chlorine, salt, UV

LA - What other big decisions are there to make.

MJ - Location, equipment room and filtration type.

LA - Audible immersion or peripheral (NF P90-307)
placed on the surface of the water or around the pool, alarms can detect intruders, falls or immersion, especially that of children under 5 years. They must be locked to prevent the risk of disabling and required to 24 hours a day.

MJ - Cover, security cover and shutters (NF P90-308)
This device prevents the covering involuntary immersion of children under 5 years. It comes in several forms: shutters automatically cover bar or safety nets set above the curbs. It must also resist the crossing of an adult and not to cause injury. This means of protection prevents heat loss from the water in your pool and evaporation of cleaning products.


LA - As always these are our thoughts and ideas. If you have any suggestions or comments do let us know by emailing us at ahif@ttfn,tv

Section 4 - Our websites for this episode:

MJ-   Having talked about Segur le Chateu -  http://lesegur.fr/tourisme/

LA:  - Digital TV changeover - http://www.tousaunumerique.fr/







Sunday 24 July 2011

A House In France: 8 - A new tax on second homes

EPISODE 8 


YouTube - link

MJ - Welcome, to this episode of a A House In France recorded on Monday 18 April 2011. Many thanks to everyone who has watched, and special thanks to the many who come back for more
A short episode of AHIF, had planned to be in new studio but behind schedule


LA - Bonjour and hello.. news from the building site
Since the last episode, the roof and chimney are now on, the next stage being the doors and windows. One of the limitations I have is that the windows whilst being double glazed have to be made of wood. This is a building restriction for any property in the town.
One of the things you will have to watch out for when you looking at building or renovation. I was also lucky enough to have some neighbours send a few pictures of the progress. Always a good thing if you are away for a lot of the time. At least you can see what’s happening, plus it’s nice to look back on when it’s completed.