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Aidie

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  1. Could anyone recommend an English-speaking architecture in the Dinan/Brittany area? Thanks!
  2. I had some euros in a DAT Booste 3-month account, which is ending soon. I also have other money that I soon will transfer to CA from overseas. But what would be my best options to place this Booste (7,000 euros) amount, and indeed other future transfers (the latter presumably first to DAT Booste 3-month, then into other accounts)? At present I have: Livre A @ 1.75% DAT Booste @ 4.30% Other account options I've been offered: DAT 5-year term account @ 2.7663% PEL @ 2.50 Other factors: 1. A little worried to tie money up overlong until sure of the euros survival, but... 2. Otherwise it's fine to tie it in for up to 5 years 3. I won't need a mortgage (a plus for PEL, I believe) Can anyone advise of pros and cons of the above. All input much appreciated. Aidie
  3. "Savings accounts are beneficial for those who don’t want much interest rate.There are many other options rather than savings account." Can you give some examples (not high risk ones)?
  4. There are, once again, worrying scare stories about the euro/Eurozone in danger over the debt situation in Ireland, Portugal, Greece, Spain, etc. In a worst case scenario, what could or would a collapse of the euro mean for euro bank account savings in France? Euros wouldn't be much use outside France, but what would it mean in terms of use within the country?
  5. [quote user="tinabee"]You might also consider a French "Assurance Vie" - not a life insurance but a long-term savings vehicle. Have a look here for some info http://www.completefrance.com/cs/forums/2273621/ShowPost.aspx [/quote] Thanks, but no good for me. I'm outside the EU, so not allowed to buy Assurance Vie.
  6. I've just recently opened an account with CA (from current location outside the EU) and plan to transfer best part of my salary there over the years ahead prior to retirement in France. CA contacted me about putting the money into either: 1. Livret A @ 1.75% minimum deposit of 10€ and maximum 15300€ 2. DAT Booste term deposit account blocked for 3 months @ 4.3% minimum deposit 5000€ and maximum deposit 50 000€. "This account is only available for new money arriving on the account which is your case. The money is returned to your current account after the 3 months with the interest paid." Any thoughts on these options, and are there any better ways (within the banking system) that don't involve risking the stock market? This is purely long-term savings, not for ready access. Thanks
  7. [quote user="Gardian"][quote user="Aidie"] Thanks, I'll relax and put the whiskey away for the time being, then... [/quote] Just as a matter of interest, has it turned up yet? [/quote] Yes. Panic over. Sent Friday and arrived Tuesday/Wednesday.
  8. [quote user="tonyv"]Whenever I make a transfer of that kind from the UK, it takes two to three days to show up. I'd say it's definitely a bit early to start panicking! [/quote] Thanks, I'll relax and put the whiskey away for the time being, then...
  9. How long does it usually take for a wire transfer (around 8,000 Euros) from outside the EU to my France Aquitaine CA account online? I did my first transfer this morning and getting twitchy as it's not showing up 9 hours later (compared with transfers to my HSBC UK account, which show up within hours).
  10. My French is rustier than I thought. Can anyone clarify the meaning of the following terms in a document just received from my CA newly opened account? Code Etablissement Code Guichet Releve d'identite Bancaire Thanks.
  11. [quote user="Gardian"][quote user="Aidie"]I will have full UK State pension, so entitlement to E121, as far as I can tell. [/quote] You'd do worse than check with Newcastle: just takes a phone call.  Your (presumably current) residence outside of the EU might complicate things.  Hopefully not, but best to check. Top-up 'mutuelle' would be highly desirable, if not essential. Apart from that, you'll be moving to live with family over here, so just your contribution towards outgoings. Your tax liability will be negligible, but does need to be declared as and when. Not hard: ask on here for help if needed. You can move your pension over monthly (through a money broker - plenty of info on here), or direct via UK DWP.  As for advice on where to put your capital, I couldn't begin to advise, but the previous suggestion to contact your bank over here, sounds good. I suspect that you don't want 'risky', just safe (even if less than perfect). Again, a money broker will move the lump sum for you when you choose.  Doubt that you'd have any tax liability anywhere. [;-)] Hope that helps.   [/quote] Yes, it certainly does. I'll check out what you suggest.
  12. [quote user="Gengulphus"][quote user="Aidie"]what would I need to do or have needed to do prior to moving to avoid tax or other liabilities? …will look at these Assurance Vie's that I've heard a lot about if they'd be a good deal to protect some Euros over the years. [/quote] If your concern extends as far as minimizing your liability to inheritance tax, it would be prudent to take advice as to whether it would be helpful to set up an assurance vie before becoming resident in France. I missed out on this highly advantageous possibility, alas… [/quote] Yes, I'm planning to take a look at the Assurance Vie, thanks.
  13. [quote user="Gardian"]My first reaction is that a little bit more information is needed for anyone to be able to begin to advise you, i.e. Will you already have bought a property & the €200k+ is what you see as being the remainder? Will you have an occupational pension entitlement? Having become a French resident, you will be liable to assessment for tax here: if your income is solely a UK State pension and the income from your capital, then your liability is likely to be small.  However, your income would be small too and top-up health insurance doesn't come cheap. Do you (as a UK pensioner) have entitlement to an E121?  Have you checked? That's for starters - others will have more thoughts no doubt.  [/quote] Yes, Euro 200,000+ clear. No property to pay for, mortgage, as will be living with family, so everyday costs also should be fairly moderate. That figure is cash 'in bank' savings, and will be transferred to France in lumps of around 30-40,000 Euros in next few years. Once in France, my only income will be single UK State pension and the above savings figure. I will have full UK State pension, so entitlement to E121, as far as I can tell.
  14. Assuming I arrived on retirement (65 and with UK pension)  in France with 200,000 Euros savings upwards, what would I need to do or have needed to do prior to moving to avoid tax or other liabilities? Brief situation is that I have HSBC Euro account (hopeless, but hopefully temporary)  and plan to open a CA account in France soon. I don't feel happy investing in the stock market, but will look at these Assurance Vie's that I've heard a lot about if they'd be a good deal to protect some Euros over the years. Does my plan to move (from outside the EU, by the way) my money into Euros and into CA have any drawbacks in terms of liabilities before and when I get there in person? If so, what is the best way to get and bank my Euros and not get hit by stinging bills?
  15. Now I'm really confused...France...UK...France...UK....France?? I think I'll put it to the shipping company and see what they come up with (that's not to put down your excellent input here, I hasten to add).
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