Wednesday 29 February 2012

PHOTO ALBUM OF GIVERNY

One excellent place to visit is Monet's garden at Giverny.  I'm not sure if it's possible to visit when it isn't busy but even in summer when it's choc-a-bloc with coach parties, if you can stay after 4.30pm then it suddenly becomes really quiet and you can go round the gardens again in peace.
                                                                                                      



 

                                                 
                                                   http://giverny-impression.com/








The gardens are in 2 parts, the original garden behind the house and the much bigger garden across the road.  Monet bought this field and made the most beautiful water garden..... the one with all the waterlilies.  It is an amazing sight when they are all in bloom.  But whenever you go there are things to see.  There's a tunnel under the road so you can get from one part of the garden to the other in safety. 
The house is also open and is very interesting.  The kitchen is a typical French provincial kitchen but the colours are Monet's own. 


 













There are some of the wonderful blue Japanese prints which were in Monet's personal collection.  



PICTURES OF MARDI GRAS

 it's in February everyone has a great time.
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In areas which were most affected by the 2 World Wars there are events to commemorate the Armistice, especially in the Pas de Calais and Normandy areas.  The flags come out, anthems are sung, prayers said.  The Pas de Calais even has a Scots pipe band, complete with tartan kilts and sporrans.
http://www.discoverfrance.net/France/DF_holidays.shtml 









BANKING IN FRANCE

If you buy a property in France it's a good idea to open an account in a French bank.  You can easily transfer funds from a UK bank to your French account, at least you can from First Direct so I assume you can from any bank.  It costs £9 on the slow lane, ie 4-5 days, £21 if you want the transfer done more quickly.  If you are transferring a large sum (perhaps to buy a house) your bank should ring you back with the best exchange rate they can get you.  Well, First Direct always does.


One thing to note is that not all French banks operate nation-wide.  We opened our account with Credit Mutuelle because you see their banks wherever you go in France.  Our account is in Cusset (near Vichy) but when we were living near Boulogne we went to conduct some business at the Boulogne branch.  Only it's not a branch, it's a different bank.  Our Credit Mutuelle is part of Credit Mutuelle Massif Centrale, not Credit Mutuelle Nord pas de Calais!  Very confusing, so check it out first so your bank is where you need it to be, especially if you want to bank online.  I had no end of confusions until I got it clear in my mind.  Credit Mutuelle has a different website for each autonomous area and if you log on to the wrong one it gets very muddled, that is if you can log on at all.  Although they try hard on the help lines, most French people do not speak good English and if your telephone French is limited it can be a slow process.
http://www.allbanks.org/main/France 
You will pay some bank charges.  We each have a debit card and so we pay 3.50 euros each per month, plus other charges.  Once a year we seem to pay for someone to 'look over' our account.  I think this is why many French folk still use cheques for their shopping.  If you do pay by cheque be prepared to show 1 or 2 proofs of identity at the till.
We also have a livret bleu, which is a savings account.  We  keep money in this because if the current account is empty then they take money from the livret to pay bills.  They charge for this of course.
The other thing you must take into consideration is that you are not allowed to go into the red.  Getting credit is difficult and may not be possible anyway if you are based in UK.
It is illegal to write a cheque or use a debit card if you know you have insufficient funds in the account.  We have banked in France for 7 years  and have never been offered a credit card.  You need to make sure you transfer funds from the UK in good time for bills to be paid.


We have a cheque account, with standing orders to pay regular bills.  We find this essential since we are still based here in UK and it's embarrassing to forget when bills are due.  Some bills, such as local taxes, can't be paid monthly until you have paid the bill for at least 1 year so you need to check.  You don't want to find your water has been disconnected so you need to know when that bill is due...in our area we can't pay for water monthly, though that could just be communication difficulties!
Thinking about local taxes, there are no reductions for holiday homes, so if you are like us you will have a house you may only use 3 or 4 times a year but you will still have to pay all the taxes.  There are 2 local taxes........ taxe d'habitation and tax fonctionairre.  One of these is payable by whoever is resident on January 1st so if you are renting try to move in after January 1st and your landlord will have to pay that tax for the whole year.  Likewise, if you are moving out of a rental property do it before January 1st or you may be liable for the whole year's tax.  Sometimes tenants will negotiate a proportional payment of local taxes when tenancies change.
http://www.french-property.com/finance-taxation 
Income tax is not deducted at source so it is really important to keep all your payslips for the year for when the tax form arrives.  You have a deadline to return it and you MUST get it back on time.  The tax offices have outside postboxes so on the night of the deadline folk can be seen dashing up at all hours to post their tax returns before midnight. If you're lucky the tax form will arrive largely filled in because your employer has sent in your earnings figures otherwise you'll have to fill it in yourself.  Once you get your tax demand you must pay it within a certain time so make sure you have saved the money so you can pay.  We only worked in France for just over a year so it may be possible to pay tax monthly if you are working long-term.
Further, more detailed information from:
http://www.livingfrance.com/ 

 





 

Thursday 23 February 2012

Equihen Plage in winter





  

It's calm.
                                             

                         You can walk in peace.  


 Look at the sky, so peaceful.



Empty beach for miles, until you reach Le Touquet.



Skegness Equihen Plage is so bracing!


Getting to know the neighbours

We try hard to get to know our French neighbours, though since we are only there 3 or 4 times a year it can be difficult.  Sometimes if we are on a very short visit we may not see them at all.  They all work and have very busy lives but there are occasions for successful get-togethers.

One was our ruby wedding party 3 years ago.  We had lots of family staying and we invited the neighbours so we had quite a houseful.  Alas, our idea of spending the evening in the garden watching the sun go down whilst  sipping Pimms was short-lived because of rain but nevertheless we filled the living room and kitchen and got down to serious eating and drinking.  We sadly fell into national camps since most of the family doesn't speak French but the Pimms was certainly a hit.  What a pity we can't take bottles of it when we travel by plane.

Last year we were there in June, on a date when people are encouraged to oranised neighbourhood parties, a get-to-know-you idea, rather like the Big Lunches Eric Pickles keeps going on about.

It started in the early evening with several folk playing boules whilst clutching glasses and cans.  Later more folk arrived and we transferred to one of the gardens.  More people arrived, some with barbeques and fuel.  More alcohol and plenty of nibbles.  We were introduced all round; some folk we already knew others were new friends.  It transpired that the garden we were using was chosen because it was possible to seat 20 people round tables in the garage!  An excellent use of a garage I  must say.

By now it was 9pm and the menfolk decided it was time to light up the barbeques.  I was starving by this time and not a little woozy; still the wine and beer and pastis continued to flow and conversation became ever more lively.  People commiserated about the difficulties of gardening long-distance and, much booze later, 2 of the men offered to cut the grass when we were away for long periods.We remembered the first summer when we arrived to find the grass 4 feet tall  and weeds above the grandchildren's heads.  Never one to look a gift horse in the mouth we immediately thanked them and promised bottles of Scotch as suitable rewards. If they later regretted their rash offer it would be too late.











Eventually we were all seated and the real eating began.  By 10.30pm I was flagging.  The barbeque was great, accompanied by good French bread and loads of salads.  Then came the puddings.  Everyone seemed to have brought cherry clafoutis; cherries were very abundant that year, athough I had chickened out and bought a meringuey toffeey dessert.  Delicious!

During the meal there was much singing, ever more raucous and I think it got rather rude (mercifully my French isn't that coloquial so I can't say for sure).  By 11pm I was too tired to think so I snuck off home and got ready for bed.  My husband came home much, much later, having had an excellent time and cemented new friendships.  One of our neighbours was worried about me because I had left early but I find speaking in a foreign language and having to concentrate so I can carry on a conversation is really rather exhausting.



Wednesday 22 February 2012

Souvigny medieval fair

Every summer the folk of Souvigny hold a medieval fair.  It lasts for 3 weeks or so and there is a great variety of activities.  Ovens are lit and bread baked, there is a 'burger' stall (not as medieval as it might be!)  You can change your Euros into medieval coins but it's not essential.

There are loads of hand crafted jewellery stalls as well as leather work, woodwork, metal work, bakery stalls.

All the participants, stall holders etc wear medieval garb and many visitors hire costumes for their visit.  There are several costume hire stalls.






You can find people demonstrating making armour using a brazier with bellows.  There are medieval games to play and folk of all ages enjoy them.






check out the websites:     
http://en.wikipedia.org/wiki/Souvigny




There are street musicians and if you're lucky there will be a concert of medieval music or a special exhibition of medieval manuscripts.





One of the peculiarities of French life is very evident here.  Everything shuts for lunch!  In the UK everything would be open during the lunch break, especially for a special event, but that's France!  So don't arrive till after 2pm when everything starts to open again!

Saturday 18 February 2012

10 reasons not to move to France

10 REASONS NOT TO MOVE TO FRANCE

1          I don't speak French well enough.

2          I get mixed up with the money.  Will my pension, which is in sterling, get devalued in euros?



 3         Our house is in rural France and there isn't a bus service so we need a car even to get to the boulangerie and I don't drive.

4         When we get decrepit and really old we'll have to decide whether to move into town in France or come back to UK.  The latter will be very expensive.




5          There are no decent takeaways, only pizza places and they can be very, very expensive.  

6          There is only one Indian restaurant that we have found and it's DREADFUL.  Food not very good, service appalling.  One visit was more than enough. 

7         Tradesmen can be expensive and difficult.  (There will be a later post in full detail.)

8         The banks won't let you go into the red.  This can be tricky!

9         It can be difficult to get some English type foodstuffs eg Marmite, red lentils etc.  It's easy in the Pas de Calais area because there's a Tesco and a Sainsburys but if you live, as we do, in a totally French area then it's much more difficult.

10       I miss Cheddar cheese and double Gloucester.

Friday 17 February 2012

10 Reasons to move to France

Why would you up sticks and move to France??????

10 reasons to move to France

1       To get away from David Cameron

2       They have a better health service and they are not wrecking it as we are here in England


3        Better way of life, calmer, much more countryside between the towns and cities. This is our back garden in France.




4        Love the food and the wine

5        Housing is cheaper

6        I am getting the hang of the language and there are lots of resources to help me improve

7        It's possible to get work teaching English.  I have TESOL qualification

8        It's easy to get back to UK to visit family and friends

9        We have family in France

10      We own a house in France, not in England