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Jp1

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  1. Hi Lizzie, There's one in the place du champs commune near the indoor market, can't remember the name of it but the guy spoke english i seem to remember. There are also internet connections at all major post offices including the one in Lourdes. regards. JP
  2. Having just received the wanadoo adsl package and tried installing it on my computer, I found a couple of problems and can't get it to work. 1. my current anti virus package (Trend micro)picks up a couple of the installation files as being infected and quarantines them.( I don't want to have to uninstall the anti virus as I don't have the program on disc, it was a download.) 2.Is it possible to install the adsl files necesary without all the wanadoo espace junk. hope someone can help please. regards. JP
  3. Feel a bit stupid, Just got a brand new french driving licence and went to get a photo copy of it done, found out three days later that I'd left it in the machine at the supermarket and surprise surprise its not there now and nobody knows anything about it. Whats the procedure for getting a new one, back to the prefecture with photos again and another cheque ??, do I have to report it lost to the gendarmes ??? regards. JP
  4. Has anybody else filled in the response coupon sent by sacem. If you play music/radio or have means to or have a television in rooms or communal areas. If you say yes, do they charge you for it ?? It says they then send you a contract, anybody got one and what does it allow you to do ? I think we've had one before but just ignored it. I guess you only get it if you're registered with the cdc like all the other junk mail we seem to attract being registered as a commerce. regards. JP
  5. Thanks for the help guys, I did find something afterwards that says that houses built after 1997 don't need asbestos tests as long as the owner has a certificate of conformity which should have been acquired at the time of building. Re the lead test this is compulsary on all houses built before 1948 regards. JP
  6. Are these necesary for all houses or just ones over a certain age. regards. JP
  7. From what I beleive from time to time grants are available in most departments depending on the type of building / property you have and its intended use. Grants for insulation are certainly available. You should visit your local D.D.E. in your prefecture town and ask about "subventions". Grants will vary from department to department. regards. JP
  8. Anybody know exactly what paperwork is required and what to do with it when selling your car privately thanks in advance. regards. JP
  9. A usefull site for all things diy en francais http://www.cyberbricoleur.com a forum based site in french for info on how to change a tap washer to building a house including regulations etc. a useful site to pick up all the terminology in french. bon diy JP
  10. A usefull site for all things diy en francais http://www.cyberbricoleur.com a forum based site in french for info on how to change a tap washer to building a house including regulations etc. a useful site to pick up all the terminology in french. bon diy JP
  11. Hi all, Heres a top tip for those doing evening meals. Apologies to those that know. Use "Metro" cash and carry for bulk food purchases, prices stay the same irrespective of school holidays as I'm sure most of you have noticed how supermarkets nearly double their prices when we most need things. All you need is proof of registration at the cdc, i.e. your siret number and the bit of paper with your code ape on.You are then issued with a card to make purchases. check out their website to see if theres one near you http://www.metro.fr click Metro en france, Implantations. I know we all use fresh and local produce where possible but there are some things that are not produced locally (sugar, flour, fruit juices etc etc) and from our experience we've certainly saved money and time during high seasons by using metro. Any body else got any other top tips to share. regards. JP
  12. Hi Q, >Sorry about this but I have >been working through the Micro >Enterprise threads and am totally >confused so I wondered if >anybody can tell be which >points are correct. > >1) A Micro Bic is also >referred to as a Micro >Enterprise, they are one and >the same? A Micro Enterprise is a small business. Micro Bic stands for Regime Micro Benefices Industriels et Commerciaux - it is the title of the regime under which a micro entreprise may be taxed. > >2) Two figures have been quoted >76300 and 76000 the latter >is made up of 49000 >for materials and 27000 for >labour. The first figure (76300) >was given as a maximum >for B&Bs and I can >only assume that 300 variance >is probably a typo error. >Now if this is correct >then a turnover of 76000 >is amazing for any B&B >but I cant see that >there will be 49000 of >materials involved. To cut to >the bone are we really >talking 27000 max for B&Bs? I am assuming that the B&B is your main source of income i.e. it produces in excess of 50% of your total earned income. If this is the case, and the turnover of your B&B is below 76300 per year, then you may opt to be taxed under the microbic regime. For a B&B, this regime is excellent as it is simple - does not require assistance from an accountant, and seems to be beneficial to the tax payer. Microbic can be used for any micro enterprise, hence the allowance of 76300 (which as you say is very high for a B&B, but not for other activities).The revenue from your B&B is the total takings from offering food and accommodation - there is no need to differentiate between materials and labour - just calculate the one total to give you the turnover. So, having calculated the turnover, the tax regime then allows you 72% of this figure to be the expenses. On your tax return, you quote the turnover, and the tax office will subtract the 72% and come up with the taxable income. e.g. turnover for year 20000 less 72% for expenses 14400 taxable income 5600 This means that you don't have to keep any recepits for expenses as they are irrelevant. You must keep numbered invoices or receipts though. If you have a second business (which must be a commercial activity) which is providing a lower taxable income than your B&B, you can remain under the microbic regime so long as the turnover from the second business is below 27000. For this second activity, the regime gives you an expenses allowance of 52%, i.e. your taxable income is 48% of the turnover. (its not quite this simple, so let us know if it applies to you.) (If either spouse has a job which produces earned income making the B&B your second income, then microbic may not be suitable - you should discuss this with the tax office.- let me know if this is the case, and I'll give you more info) > > >3) In another posting (in fact >several) cotisations are mentioned, in >the case of a B&B >what exactly are they (Social >security or/and what)? They are obligatory payments which cover the equivalent of UK National Insrance - the 3 which must be paid are URSSAF - Social security payments Caisse Organic - retirement fund Health cover - these payments are made to an insurance company of your choice. When you register your B&B at the chambre de commerce, you will be asked to select an insurance company from a list that they will show you. (We chose the company that had an office closest to our home) > >4) One posting indicated that the >cotisations will be 48% of >turnover whilst another says about >2000. The first figure indicated >that you pay nearly 50% >of your turnover (not profit) >straight away to a government >agency (CMU?). Being that this >system is aimed at small >businesss it seems a bit >steep. Is there a percentage >and what is it (I >have heard of a flat >figure of 2500 mentioned whatever >the turnover)? My understanding is that for the retirement fund and health cover, you must pay whatever your taxable income is. There are minimum contributions, so if your taxable income is very small, you will still find that you get a bill from these companies. With URSAF, your taxable income does have to be over a certain level, before you start paying. (In practice though, for the first year, all three companies will estimate what your taxable income will be for the year and you must pay cotisations on this estimated figure - at the end of the year when you do your tax return, you will get a refund if you have overpaid. This does mean a big cash outlay in year 1 and can screw up the cash flow.) So,
  13. Thanks Suze for the info/link - others may be interested to know that there is also info re tables d'hotes on the following link. http://www3.ccip.fr/inforeg/fiches/pdf/table_hote.pdf We have also been researching this subject in some depth and have discovered a legal document NAF (APE) 552E which covers the rules for running chambre d'hotes. Our understanding of this document is that a chambre d'hote must be a registered with the chambre de commerce as a business if: a) it produces a turnover in excess of 150,000 francs (my copy of the document is 3 years old, so I don't know the current euro equivalent) OR b) the income from the chambre d'hotes represents more than 50% of your total income. The document also sets out all other legal requirements, e.g. minimum room sizes, displaying of tarifs, info to be shown on an invoice, etc.... We haven't been able to find a copy of this document on the internet, but we have obtained our copy from the chambre de commerce. Website http://www.apce.com may be of assistance - they seem to sell a book about how to set up and run a chambre d'hotes. There seems to be a lot of comments on other threads saying that you don't need to be registered with the cdc to operate a chambres d'hotes. If this is the case where are you getting your information from ??? (because we want to believe you !!) regards. JP
  14. Hi All, Just wondering how many of you out are operating a chambres/table d'hotes as your SOLE source of income ? We have been for the last two/half years. Before we first opened we registered with the chambre de commerce as a commercant under the microbic regime, however having registered as a business there are the pension fund and URSSAF contributions to pay which are extortionate ( seems also that we cannot claim anything back from URSSAF being self employed - although could be wrong on this one) and the pension fund, which for us is probably of no use. So my question to you is this Have you gone down this same route and registered with the cdc or do you just simply fill in your tax return under the microbic system at the end of the year, obviously then taking out your own healthcare and retirement plan ? Any pros and cons with either method that you can think of ? I would be very grateful for your responses as we are thinking of de-registering with the cdc. Thanks in advance regards. JP PS Thought I'd post this in a seperate thread here to keep it all in the same place as this subject is being covered in the finance section (CGS) and also this section (rules for table d'hotes)
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