Foreign Perspectives

Archive for the ‘Places’ Category

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!

Although you can usually assume that you’ll get around a 1% return on any marketing that you send out, now and again you can get a much better response if you happen to hit on exactly the right message and target it at exactly the right group of people at exactly the right time.

The message that you use is the one variable that you have a great deal of control over and it’s worthwhile running a test of each marketing e-mail that you plan to use in your campaigns before you send the mail to everyone on your mailing list. By testing on a small group you have the chance to modify the text and get a better feel on the level of response that you might expect which in turn let’s you stage the mailing appropriately.

Unusually for us, we decided to short-circuit that process and just send out a brand new e-mail to our latest mailing list without any prior testing which has resulted in a certain amount of chaos in the last 24 hours.

For a start, the e-mail was unexpectedly attractive to the target audience which resulted in the webserver slowing to a crawl almost immediately after the e-mail went out. The volume of people looking at the site was so great that within a few hours we used up as much bandwidth as we normally do in two days. This in turn reduced the take-up as it was so slow at times that the signup form was timing out for some people. Finally, the responses coming through were so many that it looks like it will take us an entire day to process them all.

And all this for an e-mail that was sent out in what would ordinarily be a time of week that would produce quite a low immediate response rate for us!

I think in future we’ll make more of a point in testing any new messages that we issue.

Whilst moving from one European country to another is as easy, at least legally, as moving from one American state to another, it’s a whole different matter when you want to emmigrate to a completely different jurisdiction.

Aside from all the normal differences in taxes, social security and health systems that moving countries always entails, you add the complication of needing to apply for a visa, residence and work permits which adds considerably to the time that it requires to make the move as well as increasing uncertainty somewhat.

For example, take the relatively simple case of a British citizen wanting to move to Canada.

Canada is, of course, in the British Commonwealth so, in theory, that should make the move easier. However, even if you have a pretty much perfect points score for the move, it currently takes around four years from initial application through to the point where you have your Canadian visa and can actually move.

That’s a very long time and a great deal can change during it. For example, four years ago I had one son and now I have two. The second one would obviously need to be added to the visa application for a start and there’s the complication that he has even more nationalities than the first little guy.

Such a long lead time seriously complicates matters in other areas. For one thing, you’ll be working in your existing job and not know in advance how long. You may be wanting to move house too over that kind of time. It’s even possible that the visa categories which you’re eligible for could change too if, for example, you had an inheritance you might find that you could apply under one of the investment categories or perhaps you added a qualification (eg I picked up a university French diploma within the last four years which adds significant points to my Canadian application) or skills. The list is endless.

In fact, over that time period your life could change radically so you need to be really set on moving to a particular country if you’re talking of application periods running into years. Yes, of course, you should be that determined but over such a long period many things can crop up to change your mind even if you originally were really set on making that particular move.

And, remember, that’s just for a relatively simple move!