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Albert the InfoGipsy

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  1. Hi, Idun

    Yup! as I understand it from the CIPAV booklet.

    Vos droits se calcule sur 66% du chiffre d'affaires, c'est a dire votre benefice non-commercial (BNC)

    The points are calculated as 1 point per 65.39€ of BNC.

    If you retire before 65 the number of trimestres is also taken into account. After 65 you get the whole value of your points.(1 point = 0.532€

    All values as of April 2010.
  2. Thanks, Norman, but that's for salariés and I've never been one in France.

    However, according to CIPAV rules if you are over 65 you get taux plein, regardless of your trimestre count, so at least I don't have to worry about that. If I've interpreted the rules and calculations correctly it looks like I'll qualify for 200-300€ per year.

    Woo-hoo!!!!

    Sorry to both you and Idun for not replying sooner -- life is a bit hectic here at present.
  3. Thanks Idun.

    It's clearly another of those areas where there are different rules for employees, artisans, professions liberales, farmers...

    According to the booklet I got from CIPAV when signed up as an auto-entrepreneur if you take your pension after 65 then you get taux plein, which (I think) means they calculate what you are due without reductions for the number of trimestres.

    That said, it involves a calculation of points based on AE (in my case) turnover so as I've only worked a few years I don't get much anyway, but still a bit above the lump sum threshold if I calculate aright.

    I asked CIPAV for an estimation on Tuesday so I'll give them a week or so yet.

    When I went in to CPAM earlier this week I started by explaining that I'd been an auto-entrepreneur from arriving in France until the end of last year, but as soon as the nice lady discovered that I had an S1 she brushed the AE bit to one side and told me to just put in my S1 (plus dossier, obviously) for health cover.

    CIPAV is the caisse specifically for professions liberales whereas CNAV is 'la caisse nationale d'assurance vieillesse des salariés' and I've never been salarié in France.
  4. Thanks, Norman. You're a gent!

    Supplementary question, to anyone who can help. What is the standard basic French pension for someone who is fully paid up? I assume that I qualify for about 5-6% of that.
  5. Having worked, on and off, as an auto-entrepreneur for the last few years I have accumulated the princely total of 9 trimestres of pension rights with CIPAV. Today I've spent a very long time hanging on their queueing system and managed to get through to a conseiller who seemed less than pleased with life.

    Apparently I'll be receiving an estimation of my pension rights from CIPAV (I don't have any other French rights) sometime soon, when the ox cart gets here from Paris.

    I'm sure I've seen somewhere that if your pension rights are below a certain threshold you can take a lump sum -- similar to recent UK practice -- but the nice CIPAV person didn't seem to understand my question.

    Does anybody know if this lump sum information is correct? If so, please can anyone point me at an official Web site to find out more or, at the very least, tell me what the appropriate French phrase is for google searching and asking fonctionnaires questions.

    This may well have an effect on how my CPAM health cover is funded, so I'd like to get some reliable information.
  6. How about a Google Images search for "French houses"

    https://www.google.co.uk/search?hl=en&site=imghp&tbm=isch&source=hp&biw=1280&bih=681&q=french+house&oq=french+house&gs_l=img.1.1.0l10.2033.6110.0.8544.12.8.0.4.4.0.104.618.7j1.8.0....0...1ac.1.27.img..0.12.638.oGpMNIsXoW4
  7. Food also gets given to the Banque Alimentaire -- this acts as a sort of wholesaler for charities like Croix Rouge, St Vincent de Paul and (at least in our department) also for the social aid operations of the various communes. In fact we service pretty well everyone but Restos du Coeur, who want to keep control of their own supply chain.

    We send our vans out every day to local supermarkets like Carrefour and collect quite a tonnage that way. We have to follow the same food hygiene regulations as the commercial operations, so a part of what we collect has to be binned because it is time expired. However, most food is distributed.

    The BA also acts as a distributor for food aid from the French state and the EU, as well as negotiating deals with manufacturers.

    Les 97 Banques Alimentaires et antennes ont distribué 89 000 tonnes de denrées, équivalant à 268 millions d'euros, à 5100 associations et organismes sociaux. Ainsi, tout au long de l'année, environ 750000 personnes ont pu bénéficier de cette aide alimentaire représentant l'équivalent de 178 millions de repas.

    http://www.banquealimentaire.org/?prehome=0

    http://fr.wikipedia.org/wiki/Banque_alimentaire

     

  8. It's back again! And the address bar shows http://france.meteofrance.com/france/accueil/, which is what I used earlier to get to the genuine M-F site.

    I use IE, but my wife has just googled her way to it using Firefox on her Mac and got the same problem.

    At one stage I also got a popunder with other 'suggested sites'.

  9. Looks like someone might have fixed things.

    I updated one of my shortcuts but not the other. Now both open M-F normally, one to the national weather and one to the local.

  10. I think the worst one I can remember had the toilet in the bedroom.

    No, not en suite. No, not just the washbasin.

    IN the (double) bedroom. There was a curtain track running around it, but no curtain.

    I was travelling solo and it was only for the one night, so put up with it.

  11. Is it just me? I have two saved links to Meteo France -- national & local forecasts. Today both of them take me to a site that claims to be M-F, but is entirely in English and where all the links on the page return a 'search not found' message.

    The address bar shows http: / /token.meteofrance.com/ ?u=%68%74%74%70%3A% followed by loads more %xx sets (I've added extra spaces to stop the address being shown as clickable). I also get a beep when I reverse out of the page -- no obvious pop-ups or even warnings.

    I get the same thing if I get to M-F via googling, so it's not just my links. My other favourites work normally, even ones I haven't used for months, so I don't think it's malware on my machine.

    Admittedly it took several attempts to get into here this morning, but that never surprises me.

  12. I'm old enough to remember the adage 'Never use an even-numbered version of an MS operating system' although DOS 6 was pretty stable. [6]

    I think I've used every incarnation of Windows from 3.0 to 7, but I haven't really looked at Win 8, for a variety of reasons. From what I've read so far MS has scored some own-goals in the way it's presented things. The idea that you need to install several third party apps to make it behave in a similar way to earlier versions seems very odd.

    Some time ago I decided that rather than staying on the MS upgrade bandwagon I'd make a serious attempt to move over to Linux when I no longer need a Windows environment for professional reasons. With any luck that will be pretty soon.

  13. Welcome to the forum.

    I don't know what tax advantages you mean, so I can't comment on that. AN Other is probably the best person on this.

    If you are planning to operate a barge, rather than just having it as a house boat, you'd better do some serious research into the rules about insurance, licensing, inspection and skipper qualifications. This counts double for commercial (including passenger) use.

  14. Our taxe d'hab came through this week. 20€ a month lower and we got a rebate too.

    [:-))]

     

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