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Posts posted by NormanH

  1. Buying a second house could get you into the capital gains trap, but only if you sell it before you have had it for 15 years.

    When I suggested renting it was of something like a winter let of a furnished property, so you wouldn't really need to move in to it, just take your personal things and clothes.

  2. My experience with Credit in France ( and I have had two mortgages and several loans/store cards etc) is that they want to see something they can understand and is familiar to them as evidence of income.

    It was much easier for me once I could show copies of 3 years French  tax with the 'Revenu fiscale de référence' on them ( this is roughly stating what your taxeable income is, and can be used as proof of income.)

    What they weren't very interested in is documents in English.

    My bank is also the source of my major loans, but I had been with them for some years and they could also see regular payments going in.

    They will also apply strictly a 30% rule.  Your payments out musn't be over 30% of your income for all credit.

  3. [quote user="Cat"]

    Here's a thought. maybe it's a faxing service for people who don't have fax machines [:-))]

    What do the faxes they send you actualy say, are they adverts?  Are you certain it's a French number, as the only numbers I could find anywhere that start 0170 557 were in Berlin.


    The problem is that I can't open them as I haven't got a fax machine; but I know it's a fax from the characteristic noise it makes on my answerphone ( it cuts in after the call has woken me!)

    beeped on for over 84 seconds on Tuesday night..

  4. Could you face renting for a period? For yourselves I mean after you have sold.

    Then spend time finding the right place. You can put your things into storage.

    It would avoid any problems with  tax,  ( you don't have to pay on the sale of the place you are living in, but once you have a 'résidence secondaire' you become liable for capital gains tax if it increases in value, and you have the two property taxes to pay) and in the current situation where houses are very slow and prices are falling it might help to avoid worry to know that you have sold and are in a strong position to buy.

    Renting out to other people is fraught with problems in France. You have to pay tax and social security contributions on the income, and there is the winter period when you can't get people out even if they don't pay. I am sure you can find a separate thread on here about that.

  5. As I stated before my taxes

    foncieres will go up considerably next year, can I expect a similar

    increase in taxe d'habitation, i.e. are they linked?

    I believe that they are loosely linked, but the th is quite complicated to calculate without knowing personal circumstances.

    In each place I have lived the th has been a little less than the tf but not much.


    course there are exemptions for some people for the th, mainly on

    grounds such as low income and age,  or the number of people in the


    There is a 'Valeur locative' which is calculated (

    supposedly the value if the property were let) , and then the various

    allowances are taken off, so for example a single person may pay more

    th than a previous occupant with a large family, or an elderly person.
  6. [quote user="Stuart"]

    Not a typo Norman....145 for tax habitation...

    I believe that well over 100 E of that relates to a TV licence...

    Win some, lose some I think..


    I don't believe such a small Taxe d'Habitation.

    Even  I in one of the cheapest places in France pay 120 for 76 sq m

    And there is never such disparity between the two taxes. ( No TV because that is paid with the town house)

  7. In the last few years I have spent a lot of time in Romania.

    I can swear that if I was younger and not so ill I would go and live there and forget France.

    The energy, intellctual level and spped of growth are extraordinary.

    Forget the media clichés.

    Romania could do to France what I expect China to do the the USA.

  8. [quote user="Stuart"]

    I'm starting to get realy confused with the replies covering such a wide area of France.

    We live in dept 16 (Charante)...Have 60 acres and 2 houses contained within...

    We pay 145 tax habitation and 1700 Tax fonciere...

    We are addressed as Confolens, although 1 km outside the town....

    Just goes to show the large differences between communes.




    I imagine that was a typo and the figures are 1450 and 1700

  9. Do any of you 'techies' know if it possible to send a fax direct from my computer without a fax machine or fax modem?

    I get irritating faxes at times like 4:30 in the morning, but as I have

    no fax machine they arrive as if they were phone calls, and wake me up.

    It's always the same number, (I think some business or other ) but when I

    try to phone back to get them to stop sending them I just get the fax

    machine at the other end...

    I'd like to send a fax telling them to stop.
  10. Some of those who are working, and so contributing to the Social Security system may get free Health care.

    In my town there are many people, even those from 'new' European countries who don't get any cover at all..

  11. Try the second or third verse..

    Ah ! vous dirai-je, maman

    Ce qui cause mon tourment ?

    Papa veut que je raisonne

    Comme une grande personne

    Moi je dis que les bonbons

    Valent mieux que la raison.

    Quand trois poules vont au champ

    La première va devant

    La seconde suis la première

    La troisième vient la dernière

    Quand trois poules vont au champ

    La première va devant

    [Ah ! vous dirai-je, maman

    Ce qui cause mon tourment ?

    Papa veut que je retienne

    Les verbes, La Laurentienne

    Moi je dis que les bonbons

    Valent mieux que les leçons.]

    or (theoriginal)

    Ah! Vous dirai-je, Maman,

    Ce qui cause mon tourment ?

    Depuis que j'ai vu Silvandre,

    Me regarder d'un air tendre ;

    Mon cœur dit à chaque instant :

    « Peut-on vivre sans amant ? »

    L'autre jour, dans un bosquet,

    De fleurs il fit un bouquet ;

    Il en para ma houlette

    Me disant : « Belle brunette,

    Flore est moins belle que toi ;

    L'amour moins tendre que moi. »

    Je rougis et par malheur

    Un soupir trahit mon cœur.

    Le cruel avec adresse,

    Profita de ma faiblesse :

    Hélas, Maman ! Un faux pas

    Me fit tomber dans ses bras.

    Je n'avais pour tout soutien

    Que ma houlette et mon chien.

    L'amour, voulant ma défaite,

    Ecarta chien et houlette ;

    Ah ! Qu'on goûte de douceur,

    Quand l'amour prend soin d'un cœur !

    Did you know that Mozart wrote a set of variations on the tune?

  12. I don't think that everybody realises before they live here that you have limited supply, and that even if you live in a town the monthly standing charge is based on the power you have chosen. 3/6/9 kw  etc, and that if you exceed it, the trip switch ...TRIPS .

    This is a reason why the sort of high-consumption-for- a short-burst appliance ( such as power showers) are much less in evidence over here.

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