tinabee

Capital gains tax only applies if the property has increased in value over the period of ownership. There are some allowances for building works (e.g. extensions) and there are reductions in tax after 5 years of ownership. There is a simulator you can use here http://www.notaires.fr/fr/les-plus-values-immobili%C3%A8res

Hopefully, it will be updated, as it is a really useful, easy to follow guide.

The guide to completing the tax forms covering most situations is available here http://services.completefrance.com/forums/completefrance-forums/cs/forums/1196188/ShowPost.aspx

I guess this could be part of the transition to PUMA (new universal healthcare scheme) since according to the Ameli website the fisc are to be involved . . . "Les informations servant à déterminer si vous avez ou non à payer la cotisation sont directement transmises par l'administration fiscale." Info here http://www.ameli.fr/assures/soins-et-remboursements/cmu-et-complementaires-sante/la-cmu-de-base-n-existe-plus/l-affiliation-sur-critere-de-residence.php

AFAIK French insurers will take your UK no claims bonus into account.

I know, but as you say, at least it is one less tax form to fill in every year :)

The good news is that from April 2016 banks and building societies will stop automatically taking 20% in income tax from the interest earned on non-ISA savings. Official document about this can be found here https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/414026/Savings_factographic_final.pdf

INSEAD's one year MBA has just come first in the FT rankings Have a look at this article http://www.ft.com/cms/s/0/4ea4deb4-baaf-11e5-bf7e-8a339b6f2164.html

Hereford, the form for tax paid gross is the R105. When we moved 10 years ago, all of the banks we had accounts with accepted the form, except Nationwide. It is up to the individual bank to decide whether to accept the form or not.

I used several local branches of NW whilst living in the UK and in every one I was told complete rubbish regarding any question of international banking. Local branches just do not have the staff with the right experience to give correct information. Even dealing with head office over email, they still sometimes will tell you something can be done and then when it comes to it, they say it can't. I think they just make it up as they go along :)

Yes, that old online loophole is well and truly closed. Oh for the heady days of 7% eBonds with NW . . . :)

If you simply want to print a statement so that it looks like the ones you used to get when they sent them on paper, then you definitely do not want to download transactions and open them with any of the software programmes listed. Have you had a look at your online banking help pages for how to print statements, or how to download PDF statements? This may give you the specific instructions you need. If you tell us which bank you are with, someone here may be able to tell you how to do it. I could help with Nationwide, RBS and Natwest.

If you simply want to print a statement so that it looks like the ones you used to get when they sent them on paper, then you definitely do not want to download transactions and open them with any of the software programmes listed. Have you had a look at your online banking help pages for how to print statements, or how to download PDF statements? This may give you the specific instructions you need. If you tell us which bank you are with, someone here may be able to tell you how to do it. I could help with Nationwide, RBS and Natwest.

Have a root round on your online bank page for something like "view statements" or statement archive, or previous statements. What you are currently trying to do is download the data or transactions into a programme, which you don't have. But really, all you need to do is view a PDF version and print it, or see if there is a "download PDF" button. If you say which bank you use someone may be able to help with more specific instructions.

Another option is to download them from the impots website when they become available (usually about April) http://www.impots.gouv.fr/portal/dgi/public/rechf?pageId=rch_formu&sfid=05&action=criteriaImprime Also, if you find the 3916 form a bit too complicated (it is!), you can declare bank accounts on a plain sheet of paper.

[quote user="knee gel"]How long have you been in the system Lehaut. I only ask because we have been in the system since 2008. (I piggyback off my husband so it may well affect me.) However, this is the first year that we were not asked to fill in the usual blue form nor send a copy of our passports or OH's driving licence. In fact all we had to do was send 6 months of EDF bills and return these with the letter they'd sent to us. It was as if we had finally passed the test! Now I don't know but maybe if someone has passed the 5 year rule it wont be necessary to supply a titre de sejour which 9 years ago I was told wasn't necessary and they wouldn't even consider it even though I don't have a driving licence and so my only ID is carrying around my passport every time I leave the front door. Do wish they'd get on with it though. Mrs KG[/quote] It sounds like they are using EDF bills to prove the 6 months residence within one year, and if you look on the RSI website here https://www.rsi.fr/zoom/la-protection-universelle-maladie.html - the indication is that cotisations will be calculated automatically based on information from the tax office.

[quote user="idun"]Words also fail me. So my only comment is also . [/quote] ditto ..

As your S1 has expired, you need to move from the UK paying for your health cover, to paying your own contributions. The way of doing this is to apply for what was formerly known as CMU base, which seems to have been replaced by a new system and form. Either way, you will still be affiliated to CPAM but will pay your own contributions based on your income. I am sure if you go to the CPAM and ask for CMU-B, they will point you in the direction of the latest application forms if you are at all unsure.

I would suggest you need to apply for healthcare cover on the basis of stable residence. The new regulations and forms are on the Ameli.fr website - http://www.ameli.fr/assures/droits-et-demarches/la-protection-universelle-maladie.php

It's not only about the ability to track every transaction for tax purposes, but going cashless will also enable negative interest rates, bank bail-ins . . . Anyone wanting to protest against this possibility can sign a petition here (UK-based) http://moneyweek.com/wp/hands-off-our-cash-petition

The department to contact depends on the type of S1 form you are applying for. The forms issued by the DWP or HMRC The numbers for the DWP are on this website http://www.nhs.uk/NHSEngland/Healthcareabroad/movingabroad/Pages/Introduction.aspx The link Norman posted is for the "workers" family S1. It all got a bit complicated when the EU decided to simplify the form numbers ;)

[quote user="Gardian"]........ and his staple diet is probably Tripes a la Mode de Caen. Breakfast, lunch & dinner, with maybe a slice or two extra at teatime. Explains it all.[/quote] You've met him! And for a change he has the andouille de Vire or boudin noir

[quote user="Patf"]Yes I think you're right about the calculation side, but our local tax ofice doesn't deal with paytments, as I said, ours go to Lyon. Why is it so complicated? [/quote] Because it's France :) The rates are set by various levels of local government (commune, intercommunalité, département, etc.) the base is set by the state (I think), but the tax office have a hand in evaluating the valeur locative. The calculations are done by the tax office, who also send out the bills. The monies are collected by the tresorie or online by the dgfip. Nobody really knows how it all works apart from a bloke from Caen . . .

Friday nights at the Nevada and drinking sarsaparilla at the herb stall in the market hall - 1970's anyone?

Small Swiss bank is first to introduce negative interest rates for savers . . http://www.dailymail.co.uk/money/news/article-3329324/Swiss-bank-ABS-hit-savers-negative-rates.html