pomme
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Posts posted by pomme
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There is also an IOS version. The app only works with the newer Freetime Humax box. There have been concerns if you left your box in standby the app makes the disk to start up and shut off every 15 mins, which could cause premature disk wear; see http://goo.gl/BJeY8B There is software for the older Humax Foxsat recorders: Raydon’s Media and File Server Bundle for the Humax FoxsatHDR which works very well without the disk problems http://myhumax.org/blog/?page_id=166
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I don't have a NS&I saver account so can't currently try the experiment. If you do, it would be interesting to see the result. The current interest rate on the Direct Saver account is 1.1% (but taxable in the UK or in France) so your £10 fee is the equivalent of the loss of interest on about £1000 for a year.
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That was where I first came across it as well (same size prize).They do have the current indicative daily exchange rates on the web site. But it really needs a comparison of what is available elsewhere to see how good they are. Having said that, I assume they are similar to the rate used for state pensions which always seems reasonable.It also looks as though, if you have the necessary funds already in a saver account, the transfer is a lot quicker than most money brokers?
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I've just seen National Savings do fee-free foreign currency payments from NS&I accounts (e.g Direct Saver) to a range of countries.See http://www.nsandi.com/international-payments-serviceI'm wondering how their rate compares to other forex companies, whether you can just deposit money into a savings account and then make a transfer, etc.Has anyone any experience of the service?
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The bond was recommended in different proposals I had from Siddalls and Blevins in 2002.More recently, when I was discussing a different matter with another English-speaking France-based IFA the problem of IoM life insurance not qualifying for favourable tax in France was mentioned. Internet searches seemed to indicate the same.When I originally telephoned to make an appointment about how the assurance vie profit should be declared he misunderstood Ile de Man as Allemagne. It took some explaining as he'd obviously not heard of it and didn't know where it was. So he'd done research by the time of the office visit.I spent more time yesterday on internet research and looking through BROCHURE PRATIQUE 2013 - DÉCLARATION DES REVENUS 2012 http://www2.impots.gouv.fr/documentation/2013/brochure_ir/index.html .There seem to be several references to IoM, Jersey, Guernsey, etc being excluded as they are not in the EU.I'm not sure just declaring a 40K life insurance gain without backing explanation would get through any examination and would only result, in the end, for the need to pay the correct taxes, etc.
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I finally went in to the local tax office today to clarify the tax situation having forewarned I wanted to discuss taxation on an IoM life insurance bond.As the Isle of Man (and Jersey and Guernsey) aren't part of the EU they do not come under the tax convention. Therefore the standard rules for allowances, etc for assurance vie do not apply. Any gain is treated as an ordinary gain with an entry on form 2047 in line TR and on form 2042 in line 2TR. So the gain is taxed at the standard scale rates together with CSG at 15.5%.
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Thank you for your advice.I assume that means there is no special treatment for IoM life insurance (as IoM isn't in the EU) and they are treated in the same way as French assurance vie?Regarding the likely tax, how does the 7.5% rate work? As I am married, would that effectively be 7.5% of half the 40,000€ or 7.5% of the whole 40,000€ (less the 9200€ reduction)?The money would only be a loan to one of the children, not a gift.
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I am French tax resident. I have had an IoM Insurance bond since 2003. The bond has an element of life insurance. I am now thinking of cashing in the bond to help with a deposit for house purchase for one of my children. The interest will be about 40,000€.Can someone help me with which lines on the French tax form I would need to use to declare this interest so I can use one of the online calculators to estimate the likely tax/social charges? I believe there may be a special treatment for IoM (and Jersey?) life insurance?
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All my computers, printers, scanners, modems, routers, etc are connected through APC UPS (power supplies). There is also a socket for the phone line to go through the UPS. The APC UPS come with a Lifetime Equipment Protection Policy for attached equipment (I don't know whether other UPS suppliers have similar policies).Since I put an UPS on the satellite boxes, which seemed to die because of power fluctuations, I've not had any problems.
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Wouldn't an exceptional sum, e.g. a large premium bond win, be treated using the system of quotients: http://vosdroits.service-public.fr/F3178.xhtml which would still result in paying the top rate of tax on the majority?
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Good to see the spam has been removed.Is the advice to treat a draw-down as a pension on a French tax for from personal experience and without problems?I was wondering because it is still an investment controlled by the individual rather than an investment and payment under the control of pension provider.
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I've read the tax FAQ and searched the forum but cannot see anything on how drawdown pensions (or QROPS) are declared in the French tax system. Are they treated as income/pensions (somewhere in section 1 of form 2042) or as investment income (somewhere in section 2 of form 2042) or elsewhere?How they are counted would seem to make a significant difference in the amount of tax/social charges compared to an annuity?Can anyone help?
Humax Box? You might like this.
in French Satellite TV, French Internet and Telephone
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