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Rose (& Greyman)

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Posts posted by Rose (& Greyman)

  1. Benjamin says ... I for one have always lived within my means

    When I say all I mean society as a group, not each and every individual. As a society (I'm talking UK here as I don't have a lot of knowledge of the economies beyond) we have for a long time relied on unsustainable credit. It's quite possible your 'income plan' is invested in the banks so indirectly you (or other pension fund members) are the banks who caused the problems. We all (group again, not every individual) elected the politicians who oversaw this mess and as a society were happy to spend the ever inflating credit that resulted. Do you think a politician who stood up in the late 90s and said 'this bubble is going to burst one day, let's pull back now' would have been elected. Maybe you were the perfect individual who saved up a 30% deposit on their house, never took out a loan for a holiday and bought stuff on credit card. If so you are in the minority but you still stand side by side with the rest when it comes to carrying the burden.

  2. [quote user="Richardbk"] There is a sense that those that got us into this mess are paying way below even a fair proportion, let alone the full amount of what they should be paying. [/quote]

    Playing devil's advocate to this I also think there is a failure of the population in general to take their share of the blame for the situation e.g. my bank failed because I took out a 125% mortgage based on an inflated self-certification application or I couldn't afford to pay off my credit card after I spent £2000 on Christmas presents or I bought 3 buy-to-let peoperties because I heard on TV that prices would always go up or I used all my savings buying a second home in France.

    It's easy to blame faceless bankers but the fact is we have all been living beyond our means for years with no thought for how our children will pay for this. Now the bill has landed on the mat it is of course someone elses fault. I include myself in this by the way but it is time to listen to our parents and rein in the conspicuous consumption.

  3. [quote user="Simon Ariège"]

    It's not always the message that counts - it's often how it's delivered......think about it.

    Simon :-)[/quote]

    I've thought about it and I don't get it. Are you saying it doesn't matter if the information in the message is wrong, provided it's done in a smiley way ? I think all the posts were helpful up to the point where French Frank decided to single out your (not entirely accurate) post for thanks and ignore everyone else.

    No one has an axe to grind. We're just trying to be precise for the OP.

  4. [quote user="French Frank"]Thanks for that very useful information Simon.[/quote]

    Am I the only one who finds this a bit bizarre ? Several posters have subsequently taken the trouble to elaborate and correct Simon's post and this seems rather a pointed snub. This is a very complicated area where it is important to be sure of your facts and I don't think anyone was trying to score points just clarifying for the OPs benefit. Having taken the trouble to thank a poster why not include all those who did so ? Perhaps I'm just thin skinned !

  5. [quote user="cooperlola"]

    And I assume from your ealier post that you could not have got a refund either.  Must have been pretty tough for the two of you in the present circs.[:(]

    How is Rose by the way? - still glowing in the dark?


    Hi coops. You're right, no refund. Fortunately Rose has her own cover which includes our son so she was unaffected, otherwise I would have poured steam down the line ! I didn't have time to be ill so no harm done ultimately.

    Rose's glow is waning and her side effects are fading too. She's even out at band rehearsal tonight, now that she's a rock star. I've been regaled with Yellow, Chasing Cars, You Do Something to Me and various other modern ballads today. She loves singing and is very good. It's given her something to work for.

    Sorry for waffling on your thread ANO.

  6. Simon, your post is helpful but the OP should be aware of a few definition slips in it.

    The reference to the HMRC website regarding residency/domicile is useful for determining the UK position but these definitions do not apply in France. The 183 day issue is only UK relevant. There are more generalised criteria in the French code, which you suggest. In simple terms if your 'life' is in France you can be French tax resident from the day you step ashore. Forget 183 days in France.

    To be pedantic you must declare all your worldwide income in France if you are French resident. Not quite the same as being taxed on it in France, even with the double tax treaty.

    I don’t mean to be picky but the OP may be confused.

  7. I too had a delay of about 3 months and during one call was told if I needed the S1 urgently they would fast track it. That leads me to wonder what would happen if everyone with a form sitting in their in-tray rang and said they had an urgent need.

    As it was I missed an appointment for a test (routine) waiting for mine and when it came it was dated for the original renewal date, hence I had lost 2 months of cover and paid 2 months useless mutuelle contributions since I was unable to access the health system during the hiatus.

  8. [quote user="NormanH"][quote user="cooperlola"]What are savings?[Www][/quote]

    Money in excess of your needs, usually inherited, which you pretend  to have gained by thrift, thus giving you the moral high ground over people who have struggled all their lives to make ends meet.


    or.. Money in excess of your current needs, often earned through toil and risk taking, which you have gained by thrift, thus giving you the moral high ground over people

    who spent your youth playing the pratt at the back of the class and down at the pub every evening, while you studied and worked.
  9. Despite my loathing of their actions I think they should have been dealt with under the law applying to any UK citizen. It would be interesting to see the BNP hold a similar demonstration e.g. Afghans burn in hell, burning the Koran on the streets etc. Would the authorities stand by and just manage it ? Would I be allowed to light a bonfire in the street ? My inclination is that these actions would provoke charges for enticement to racial hatred and civil order offences. They are entitled to their offensive views, as is Braco, but they should be dealt with on the same basis as anyone else. I do believe they weren't.

  10. I've now managed to resolve my issues. After an exchange of emails in English with Lebara customer service I can now topup online using my French debit card and they have confirmed that they meant to say I only have to make a chargeable event every 90 days to retain my credit. Happy so far and I've got a UK SIM for when I'm back in Blighty.

    One point to note is that they charge in minutes not seconds so maybe this is how they make up some call revenue but frankly for the small number of calls I expect to make it's not an issue. I can also confirm that texting is barred in UK. No idea why !

  11. Thank you JohnFB and pachapapa for your posts. However I do not read 2.7 or any other clauses as saying my credit is only valid for 90 days. I agree that it appears to say I have to make a call at least every 90 days but this isn't the same.

    Based on their statement, if I buy 10€ credit today and make 5€ of calls on 30 November but no more after that I will lose 5€ credit 90 days from today.

    Based on what I believe 2.7 to say that credit will expire 90 days after 30 November and if I make a call every month or so the remaining credit will last until I use it all.

    There is a big difference. Am I still misunderstanding 2.7 or some other clause ?

  12. I got one of these lebara SIM cards as it seemed a good deal. However I have been unable to get it to accept my French debit card on the site for topups. I emailed them to ask why and the response gave me cause for concern, namely the following lines:

    Your top up credit is valid for 90 days, if the credit has not been used within that time it will be lost

    ... top up your credit online by any amount at any time, please make sure it is a French credit card

    Their bold not mine.

    I had not seen the 90 limit anywhere and I don't have a French credit card.

    I just wondered what others feel about the service now it's been around a while. Did you know about the limit (and we're not talking the free credit here) and how do you top up ?

  13. [quote user="NormanH"]"we are planning a move to a more civilised part of the world ASAP"


    Had you heard of the French revolution before you came here?

    Or the Constitution of 1793?

    Or May 1968?

    France is a country where the balance between the forces of oppression and the power of the people has a different balance to that of Britain.


    I thought both were modern democracies. The left were defeated last time around so resort to bully boy tactics now, the same as Britain in the 1970s. France is no different just behind the times, it's people too used to doing what they're told by either fonctionnaires or union leaders to stomach real change. It'll be interesting to see how the left deal with the 'demands of the people' when they get in power. Will they reverse the pensions changes ? What do you reckon Norman ? My money is on them accepting it as a fait accompli and blaming Sarkozy but knowing that really this is the only option (in fact even more trimming of the bloated state machine and costs will become necessary).

    Britain isn't different, just ahead of the game.

  14. I knew this morning that this was a very likely outcome, being booked on the return leg of this flight. Surely RA's knowledge was greater than mine ? I was watching the Bristol airport site and actually saw it say Boarding and then Cancelled. I was sure it must have been a mistake !

    Apparently Bergerac airport has been at a standstill this week due to the actions of just 5 air traffic controllers and the intransigence of the management. Who knows who is right but both sides seem to not give a toss about the passengers. [6]

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