Will
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Posts posted by Will
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I thought voip needed an internet connection in order to work? So with no landline, the original questioner will only be able to use the service in somewhere like MacDonalds?
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Ours asked for the copies and a completed form to be returned by post, fax or e-mail. But failed to give a fax number, e-mail address or even a postal address on either the form or the covering letter. And it was in respect of an account recently closed.Don't you love French banks?
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I would certainly not disagree with what Parsnips has calculated, at least as a basic figure. In fact I'm surprised to see that the tax comes out at such a low figure; maybe that's the benefits from breeding that Howard Flyte (or Lord whatever he is now) was talking about the other day.
One additional thing you need to be aware of is the CFE, which is replacing the former 'taxe professionelle'. There's a lot of confusion about how this is going to work, but it looks as if it could add quite a significant cost to the autoentrepreneur business regime after the first year (or three years if you are able to set up that way) of exoneration. I don't know if you would get hit twice if you had two AE businesses - that might well be the case.
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Many British mobile phone companies offer special packages for use abroad - this is one (presented solely as an example, I am sure other companies offer something similar or better). They might work better for part-time use in France.
On a standard pay-as-you-go basis, I've always found Virgin Mobile to be hassle-free and not expensive for use abroad.
Or you could look at unlocking your phone and using one of the special SIM cards, such as this.
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If you are not married or in a legal partnership (PACS) you are taxed individually in France.If you are married or PACSd though you have to declare your worldwide income in France, i.e. UK + French income (remember to declare the UK income as tax having already been paid). The resulting household income is likely to take you into a higher tax bracket in France, so there will be more tax payable than would have been due solely on the French resident spouse's income. Because in UK you are taxed individually, your spouse's income in France is of no interest to the tax authorities there so you don't need to declare it in England, just the UK employment income.
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I always paid taxe professionelle as a profession liberale in France (pre-AE days, and I was on the réel regime rather than a micro).
When registering, we designated an area of the house as the workspace, and the taxe was assessed on that rather than the whole house.
So if you just need space for a desk and filing cabinet, say, surely that's what you pay tax on.
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[quote user="NormanH"]With the 'crise' lots of areas are under the microscope.
Another example is the extensive property holdings of the French Government here and abroad (In Italy for example)
[/quote]Best to keep quiet about that Norm. Certainly the willingness to cheaply sell off government assets, of which property is a prime example, to cronies has been a feature of the less pleasant side of British national and local government - regardless of party.
What I know about politicians in France doesn't give me any confidence that they would be any better, unfortunately.
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There are supposedly many parallels between the author and the Logan Mountstuart character, though the novel is not exactly autobiographical. Boyd has a house near Bergerac so the location probably represents that region.
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I've had no information to say that it won't, but the company does make a habit of changing its ships and routes at will. It would not surprise me if another home was not found for the Norman Arrow once the new ship enters service - always assuming the new ship actually travels the route for which it was designed, which seems far from certain.
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PSE9 special deal ordered from Amazon Friday evening, with standard (free) delivery. It has just arrived. That looks like excellent service.
All software is really a matter of personal choice. I have a full version of Photoshop, albeit quite old, but still prefer Elements for its ease of use (and I'm talking about professional use, not hobbyist). There's very little I need which Photoshop does and Elements doesn't do - the only significant difference for me is that Elements won't save in CMYK mode, but a simple comversion program will handle that. Whereas Elements has features useful for my needs that aren't available (at least not easily) in most other programs. I don't personally like any of the other programs I have tried, and I think I have trialled most of them - including the Windows and MS Office add-ons - looking for a good low-cost package for the editorial and web-inputting staff in our company to use. But I quite understand that a lot of people prefer other programs and I have no problem with that.
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As it's an English company, and you are presumably UK resident, I would agree with the above advice about seeing an English solicitor at least to begin with. It would be advisable to find one with some knowledge of French law, because there may be implications. You will find several advertising in the French property magazines, or a Google search will bring up some names.
Whether changing the deeds at this stage will prevent HMRC getting their hands on it I don't know, but a solicitor will.
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You are entering a very complex area of French law.
You don't say if you are permanently resident in France or if the company is based in France or elsewhere.
Changing the registered names of the owners of a house, and the holders of a mortgage, would need to be done through a notaire, probably the same one that handled the transaction when you originally bought the house. It's possible, but not cheap, and can take time, which it sounds as though you may not have. The value of the house and the amount of the mortgage will govern the cost.
But changing names may not by itself protect your home in the case of the business failing - you would need further professional legal advice.
It may not be necessary to do anything though. It is possible, when setting up a French business, to do so in a way that if it fails, the family home is protected against creditors - might this apply in your case? Another way of safeguarding the home, which was sometimes done by French people before the simpler procedure mentioned above was introduced, was to change their marriage regime to 'séparation de biens'. It so happens that an English marriage is regarded under French law as being a 'séparation de biens'. It also happens that for a while, it was the done thing, again before a change to succession law, for people married in England but buying a house in France to elect for the standard French marriage regime (communauté universelle). If you did not do that, you may be safe. But you definitely need to check with a lawyer because there are so many possible variables, and something you do to protect your home could have a bearing on other things like inheritance and vice versa.
Notaires deal with legal matters concerning deeds and other legal documentation, so this is one case where you do need the services of a notaire rather than an avocat. Notaires basically work for the government so their fees are controlled, and costs will vary little between notaires. Initial consultations are generally free. But information given by notaires is not always reliable, so it always pays to consult more than one.
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The captioning function mentioned in Clair's link is something in PSE which I use and that the free programs lack. As with the cropping to standard aspect ratios and the way it handles CMYK and RAW which I mentioned in a previous answer. PSE can also be installed in multiple languages, so you can have it in French if you want. As I said before, my personal use of the program is for publishing, not photography.
So if you don't want those things, you aren't bothered about simplicity of use and installation, and you begrudge paying £22.50, then by all means stick with the free programs. Otherwise PSE is highly recommended.
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[quote user="ericd"]
...Sheep and ship or paper and pepper.....is another story
[/quote]
At least Brittany Ferries have got rid of the woman who announced that "The Mont St Michel is a non-smoking sheep".
I agree with Idun about dessus and dessous, very confusing.
The ones that a ridiculous number of English speakers (and writers) have real trouble with are maire/mairie/marie/mari/marais of course
[:D]
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The price I paid at 7pm yesterday for v9 is almost the same as I paid on ebay recently for a new, sealed v7 disc. So I'm well pleased, and I hope Judie will be too if I put version 7 on her computer while she is in France for the weekend [:D]
Thanks again Clair
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I have been using version 5, but recently got hold of v7 which was quite an improvement, and works properly with Vista which 5 didn't always. I also have a fairly old version of the full Photoshop program, but tend to use Elements because it's easier and will do just about everything the full one does apart from save in CMYK format. But I have an easy way round that.
The chance to get the current version was too good to miss, so thanks again Clair.
The main difference for me is that PS in its later versions allows cropping to pre-determined aspect ratios. Microsoft Office Picture Manager has that feature (but is rather limited in its editing abilities), but none of the free programs does as far as I know. I also like the way PS handles CMYK images and RAW formats, and above all I find it, as a non-techy person, much easier to understand and use, but that's probably as much from familiarity as anything else. My interest in it is for publishing rather than photography.
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Thank you Clair, that looks very useful. Photoshop (including Elements) has features that you don't get in the free programs, and is more straightforward to use - I need these features.
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If it has walls and a roof (not necessarily 100% intact) then it is likely to be treated as 'habitable'.
Credits d'impôts are available to French tax residents, and have to meet certain conditions, such as the equipment must be supplied and the work carried out by a professional, on your principal residence. As long as you make your French tax returns from that address, and it is used for other official communication, it will automatically be considered your principal residence.
The claim is made on your annual tax return, supported by invoices etc. See http://www.impots.gouv.fr/portal/dgi/public?paf_dm=popup&paf_gm=content&espId=1&typePage=cpr02&paf_gear_id=500018&docOid=documentstandard_2571
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On the other hand, this might save you the bother of translating: http://www.pkfguernsey.com/index.php?page=53
The book is a couple of years old, but the company offers a free e-mail tax update newseltter.
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Sometimes they can give you a good laugh.
When I worked for a boating magazine in the 1980s, and we moved on from manual typewriters and Amstrad PCWs to 'real' computers, we had a rather early and primitive spell checking program. It had a nasty habit of changing words to what it thought was correct without asking.
One we had to watch was 'motorboating' which always got changed to 'masturbating'. Even so, it was quite appropriate in the case of many of our readers.
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I would imagine much the same way as in the rest of Europe, the house is visited by a surveyor who makes an assessment of the energy efficiency of the building. This tells you about the UK one; the French one is very similar.
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I'm not at all surprised that you got dodgy information from CPAM/impôts. That seems to be par for the course, and in line with my own experience. There seems to be an unwritten rule among officials (not just French ones, it's much the same in any country) that if they don't know the answer they will offer the simplest solution involving the least work for them. Particularly if it's nearly lunchtime. [;-)] Having had only contradictory guesswork from the tax people we asked an accountant at the bureau de gestion who initially advised much the same as you had been doing - he then contacted us a week or two later to say that was wrong and I would have to register as a business.
Registering under the autoentrepreneur regime is actually quite easy, as long as you read French and have a reasonable understanding of the language. It should not cost you anything. The simplest way is to do it on line at www.lautoentrepreneur.fr. The bit most people have the most difficulty with is choosing a primary health assurance provider - this is merely the organisation to which your AE cotisations go and which may issue a carte vitale. You can safely choose one at random from whatever list you may be presented with.
AE is only available for sole traders, so you would each need to register. The amount you earn is irrelevant as long as you are below the relevant turnover threshold (obviously you both are) and the registration remains valid as long as you make at least one declaration in three years under the current rules. It's a comparatively new system and is constantly evolving, so the rules may change.
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What you were told is almost entirely correct. Any work done in France has to be undertaken as an employee of a French registered company (in which I include self-employment) unless it is covered by a S1 or A1 form from another EU country, or the company has made arrangements with URSSAF to pay employer's and deduct employee's social security contributions. If you are resident in France then probably the easiest and cheapest solution for you would be to get your employer to provide you with the appropriate S1 form (formerly the 'worker's' E106) - the A1 would be the correct form if you are temporarily resident. Note that 'resident' can mean your habitual abode, or the place where your family and/or dependents live; in this context you don't necessarily even need to set foot in France to be considered 'resident'.
However, you use the term 'freelance' which implies you are working on a self-employed basis rather than salaried with a contract of employment. This means, if you are resident in France, that you need to register as self-employed in France - if your turnover is comparatively low then the autoentrepreneur regime, as AnO says, is attractive. Alternatively - as Coops says - you could use a portage ('umbrella') company such as this.
(Written from personal experience)
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[quote user="La Guerriere"]Good ol' Normandie. On the average.[/quote]
Yes, Manche is exactly half way. But if we moved a few km we'd be third.
Long but temorary stay in france
in Health
Posted
You need to refer to the France-UK double taxation agreement to see how and where you would be taxed. You don't get the choice, it's all laid down in the rules. And then you have to consider your social security contributions.
In general, if you live in France you are taxed in France. There are exceptions of course, for people like cross-border workers, so the first question to consider is where, if anywhere, do you work (regardless of who pays you or in which currency).