Foreign Perspectives

Archive for the ‘Places’ Category

Many people move to France to live their dream and why not? If your dream is to live in some idyllic spot in France, who’s to say that you can’t?

Unfortunately, for every one that succeeds in living out their dream of a life in France, there’s another who falls by the wayside and ends up returning to the UK.

For some, it’s the case that the dream was never backed up by practical activities. Most common amongst those is the lack of preparation in terms of knuckling down and learning to speak French. I don’t blame those who arrive here not speaking any French or at best just a little because you can do something about it when you get here and besides sometimes the opportunity to move comes when you’re least prepared for it and you just have to jump or lose your dream.

Some come unstuck in not getting down to the practical business of living in France. Many fall in this camp I suspect. If you’re not at retirement age then you’re likely to need a job and, no, running a gite business usually doesn’t count as the income just isn’t enough on it’s own. B&B can be made to work but generally even that needs a supplementary income.

Finally, there are those who do nearly everything right and it just doesn’t work or doesn’t work well enough. For them it is truly sad I think. They genuinely want to live in France, have what seems a viable form of work and integrate with the local society yet it just doesn’t work out and they end up having to leave as the dream slips out of their fingers. At least for the others they can point to something specific that they didn’t do and could potentially fix it and live out their dream.

If you do fall into one of those first couple of categories, why not try to fix the problem and live out your dream?

We’re in the process of thinking about where we might move after we sell this place and one place that’s come into the frame is Scotland.

Now you might think that moving house in the UK is simple enough but in fact the house buying process in Scotland is so different from that in the rest of the UK, it’s better to think of it just as you would a move to a foreign country. That mindset means that you won’t be taken by surprise by developments in the buying process as you ordinarily would be. For instance, in Scotland there is no gazumping simply because the first contract is binding.

That single difference means that if you’re moving from another country to the UK then it’s considerably easier to time your move. At the most extreme case, in Northern Ireland there’s a considerable amount of bidding that goes on which makes it virtually impossible to time a house move there at the moment.

Of course there are other considerations than the simple legal system. For one thing, if you were thinking of moving to the Hebrides then you’d probably need to learn Gaelic and, of course, throughout much of Scotland it’s Scots that’s spoken which would be hard enough to pick up if you were used to “normal” English.

Surprisingly given the market conditions, the number of people picking up posts from the blog on real estate is growing daily.

Why is that though? Surely with a relatively depressed housing market you’d think that less people would be interested in it? I suspect that the reason is that everyone is looking to catch the market turning upwards and hence the interest is even more intense now than it would ordinarily be during normal trading conditions.

Of course, the fact that a lot of people are looking for that upturn probably means that it’s some way off and certainly the messing around on the share markets recently isn’t a particularly hopeful sign.

Standing apart from the system these days we’ve not noticed first hand all of the chaos that has resulted in some of the reorganisations of UK government departments over the last year or two but can only laugh at some of it from afar.

Perhaps the best example is the Child “Tax Credit” and Child Benefit combination.

For political reasons, the Child Tax Credit is called a tax credit although, in all but name, it’s clearly a benefit payment. You claim it exactly like a benefit and it’s paid exactly like a benefit so it’s only the name that differentiates it. And that’s the problem: seeing as it’s been called a “tax credit” then it can’t be integrated with the Child Benefit systems thus saving a fortune on duplication of administrations and reducing the errors being made in payments.

That’s a recent one of course but the National Insurance Contributions have long been separate from Income Tax. The bands at which both are levied have been aligned for quite a while now so there’s no reason to keep them separate other than the political double-speak that called the National Insurance scheme an insurance scheme when in fact it’s merely another tax. If it were an insurance scheme then it would build up some money in the kitty but, of course, it doesn’t as the money is paid out as it comes in.

So when will common sense prevail and such nonsenses be put to an end? Somehow I can’t see it being anytime soon as there are just too many interested parties who it suits to have the current system perpetuated.

The little club that is the B&B owners section of the Living France forum generally tries to organise a little get together for the various owners participating on the forum timed to be a little before we’re all swamped with guests.

This year they’re aiming for a BBQ on June 15th at one of the properties in the Poitou-Charentes area. The biggest problem is, of course, that France is a vast country so even though we’re relatively close to the spot, it’s nearly five hours drive to get there for us and many people are a good deal further away than that.

Still, ’tis nice to at least get a few of the owners together to swap stories and to finally see what the people really look like!