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lindal1000

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Posts posted by lindal1000

  1. As far as I understand it in France top up insurance is not allowed to exclude existing conditions from their cover although some do have a waiting period before you can make a claim. Our neighbours have just taken out a basic top up after one of them had to have a series of operations (she is 70) and they had no trouble getting cover.

    I did say that we have more than adequate savings so I am not so worried about getting a bill. I too have heard stories of huge bills, but never first hand and usually from people who already have top up insurance. Our neighbours bill was about 1000 euros for scans, surgery, 10 days in hospital etc. After that they got the top up.

    So far for a basic top up I would have paid out about 1000 euros per year for the three years I have been here in insurance, I have had very little that wasn't reimbursed so for me it makes economic sense..but it is a personal decision as everyone's circumstances are different.

    Emergency treatment is reimbursed at 100%.

    Now, if we're talking about treatment for the dog.. well I've spent a fortune on him and none of it is reimbursed.

  2. I'm on the other side of the Fence in that I don't have one, but we have limited income but a good amount of savings that we rarely dip into.

    I have an ALD so my regular doctor trips are covered. I have paid for my dentistry and glasses but then I was used to paying for that in UK, and most mutuelles pay very little for those things anyway.

    If you have a bit of cash behind you to cover emergencies then you can always take out a top up policy at a later date, if you find you need it.
  3. I agree with all of that Idun. My point is if someone chooses to dress in a certain way be it for religious or other personal reasons then are they being oppressed. I worked with a girl from Saudi Arabia last year. She was very very vocal about the oppression of women in her country, but for herself she chose to cover her head..although she was free to wear what she wanted.

    I also wore high heels when I was younger but I hated them. They made my feet sore and were generally so uncomfortable that I used to take them off and walk home bare foot. Fortunately I eventually outgrew succumbing to social pressure.
  4. Reflecting on your comment Idun, whilst I see where your coming from, I actually find it more of an affront to my liberty and more demeaning to women to see them teetering around on high heel shoes, wearing pelmet length skirts etc.

    Surely the issue with regard to 'liberation' is the element of choice. For the most part a nun has a choice. Some Muslim women see the choice to cover themselves as a choice as well, although I agree for others it might be an oppression. If I decide to cover my head with a headscarf or a wig.. perhaps because I have lost my hair due to chemo, or perhaps just because I want to.. is that the same.
  5. You only get pension credits with AE if you declare a rate equivalent to the minimum wage..but that said, there is now an option to opt into the pension with a minimum contribution.

    It's not like you have a choice about whether your AE covers your healthcare though. I wanted to work and registering as a AE was the only way I could do it legitimately. I could have got my healthcare via OH and then I would have paid nothing for the privilege.
  6. Nobody except for other Brits have ever moaned about people using AE to get cheap healthcare, because if you look at it, it isn't that cheap. It is also just as easy to do undeclared work with a SARL as it is with an AE.

    If you have a turnover of more that about 15000 you are better off on another regime where you can offset costs against turnover
  7. I guess like all things..you need to learn how to use these media safely and sensibly. For your nephew perhaps it gave him a chance to have contacts that he would otherwise never have met and that may have made him feel a bit less lonely. And does it really matter that he had never met any of his Facebook friends? I think social media fulfil a very important and positive role in communication in a way that was never possible before.. but you need to keep in touch with the reality at the same time and exert the same common sense rules that you would apply in any other situation.

    As to meeting potential partners on-line..well who would ever do a thing like that? Lol.
  8. I am registered .. I have a small AE which brings in more than my UK income and I pay charges on that. In addition I declare my UK earnings in France. I'm not going to start a long discussion with them about whether the money is UK earnings, French earnings or whatever as no doubt it would have both sides spinning round so fast that they would disappear up their own backsides.. I fill things into the correct boxes and wait for them to ask more questions.
  9. I agree, which is why I think border controls are pointless. If you really want to stop it money has to invested into research to find a vaccination and resources to help to contain it. The countries most affected do not have the resources to treat and contain the sick.
  10. Well interestingly HMRC do seem to want me to declare it to them as it is a UK contract. The work can and is carried out wherever I am at the time. I have done it from France, Spain, Greece etc. I do as it happens also declare it in France as most of it is done from my desk in France. However as it is also done via a server hosted in the UK that produces other complications. As it is below the tax threshold in both countries I don't think either of them pay much attention to it.

  11. True..and heaven forbid an American has caught it! Get a couple more infections in the West and then finally they might decide to do the only thing that will make a difference, which is to help to deal with the infection and bring it under control in the countries where it is epidemic. Filling in a questionnaire at an airport is like putting a sticking plaster on a ruptured artery.
  12. I should say that as my income is well below the tax threshold I am highly unlikely to be investigated as there is no potential for them to claw back any money. Lol (sorry I can't get the smileys to work from my tablet).

    But were that to change I can't see keeping details of the crossings would prove much as OH books them online in his name and they never ask for details of the other passengers.

    If you want to add to the confusion I have a 50 hour contract to work for a UK company but do all of the work remotely, never stepping inside the UK for a second, in relation to the job. If I ever had to explain that one I'm sure it would send the HMRC staff into apoplectic fits.
  13. Yes checked coming into UK but rarely checked when leaving..especially as we tend to take a very early crossing in the morning to come back. Last time there was no one on either the French or Uk customs and the security guy just waived us through without getting out of the booth.
  14. Good..then should HMRC decide to check and find out that I slept 9 nights in the UK rather than the 10 I put down I will accept the consequences.

    When I've travelled back to France on the tunnel my passport is often not checked and OH usually books the crossing in his name.. maybe they have some way of cross checking?
  15. Interview with the chief medical officer at the Hospital for Tropical diseases in which he said that screening flights was a complete waste of time as there were no direct flights from the affected areas to the UK. Passengers would have to travel via Paris or Amsterdam so presumably to be affective it would mean screening everyone arriving from those destinations, causing substantial delays and disruption.

  16. Be interesting to see whether we are screened when we go through on the tunnel next week then! I agree the whole screening thing is just to appease the press and People's fears and will make sod all difference to the chances of catching Ebola in the UK, although no doubt a few people will have to spend their holiday in a specially designed hospital wing, at the public expense. Interestingly, if you do isolate a couple of passengers and then 21 days later they go on to develop Ebola, do you then have to go back and trace all the other passengers and their contacts, or do you just quarantine the whole flight due to one suspect passenger with flu symptoms?
  17. It will be interesting to see the results of the trial period as to whether it is actually an exercise worth doing. As far as I can see the problem will lie in enforcement. You can have all the technology you like but if you don't have people on the ground doing the linking up then I can only see it bringing in a handful of fines. More likely is that hope it will act as a deterrent.

  18. Goodness Hereford.. I haven't kept any accurate records of where I was last week let alone last year! I know roughly when I went back and why but as to having any tickets etc.. If HMRC want to really check as to whether I really was there 21 of 22 days then they are more than welcome .
  19. I have always had a refund in the past but just not of the tax paid on interest. I do have small amounts of income from a number of different sources..hence the need to fill in countless supplemental pages.

    It does seem that there have been some changes this year.

    From 6 April 2013 the rules that determine if someone is resident in the UK for tax purposes have been put on a statutory basis. These rules are known as the Statutory Residence Test (SRT). For the majority of people whether or not they are resident for tax purposes is quite straightforward under the test and their position will not change. For those with complex circumstances the SRT will provide more certainty about their residence status.

    To help you understand your tax residence status HM Revenue & Customs (HMRC) have launched an on-line tax residence indicator. This residence indicator will give you an indication of your tax residence status after answering a few straightforward questions such as how many days you spent in the UK, where you have a home and if you have family ties.

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