Foreign Perspectives

Archive for the ‘Places’ Category

Most of the time you just assume that the Internet runs 24/7 and that it doesn’t have a timezone as such.

That works fine for most people except that obviously many of the new “live chat” support services are generally only online during the business hours of the company providing them which, at the moment, usually means either the east or west coast of America which ain’t too handy for us folk in Europe. In fact, I’ve only once seen one of those services online when I was looking for it.

However, for me the bigger problem is that the paid posting outfits are generally on the east coast of America which is five hours off for us. Although in theory the opportunities are there 24/7 in practice the folk in the office put them on during their business hours of something like 9am to 6pm which, for us, means 2pm to 11pm although it looks like at least some of their staff work later than that as some opportunities come on after our bedtime. Net effect of this is that naturally the folk to the west of them get the majority of the high paying ones and in the morning we see all the great payouts that we missed during the night.

Sadly we’re a long way from it being economic for us to relocate to America or at least somewhere in their timezones so we can just gripe about it for now.

The vast majority of the online catalogue shopping sites just plonk on one photo of each item of clothing. Even the better ones will only put a couple of photos of each item online.

Tobi is different. In addition to having several views of each item they go a lot further and include a whole series of combinations under The Brand Book which goes a long way to providing you with a consistent look and that’s before you even consider the editorial section which contains a whole mine of information. The blog will keep you up to date with the latest fashion trends too.

Naturally backing all this up is a massive catalogue of all the best clothing. Take for example the Nudie range. There you’ll find all the styles of Nudie jeans. If Nudie isn’t your thing, what about Seven for all Mankind?

Not enough for you? How about an online stylist to help you choose the clothes? That’s on offer too. In fact, I suspect there’s a whole lot more on offer that I’ve not discovered yet because this is a site designed to give you a very complete and enjoyable shopping experience along with providing an excellent range of clothing.

One noticeable difference in the bookings this year is that we’ve had a lot more Americans staying with us.

Americans, in general, only get two weeks vacation time each year which obviously has quite an impact on the type of holiday that they take. For one thing, it’s rare for a working American to take a holiday longer than two weeks and therefore they are, for the most part, channelled into taking package holidays as that’s the only way you can really pack a lot of sightseeing into a short period. Moreover that short period means that they tend to concentrate on the highlights of a country or group of countries (“doing” Europe is quite common) so typically they will consider that they’ve “done” France if they’ve been to Paris.

Therefore, normally, the long-stay Americans are either students on a back-packing type holiday to Europe or retired people. However, it’s been noticeably different this year and we’ve had both more Americans and more varied categories of Americans staying with us. The couple who have just left us today were normal working Americans for instance and moreover they are planning to return as they were both quite taken with the region (and us!).

There’s something of a growth market in mortgage and loan quotation services at the moment both in America and here in the UK.

That’s indicative of quite a lot of shifting around in the interest rates and deals available so even if you’re not actively considering home loans, it’s a good time to have a quick look. Mortgages are usually by far the largest single expense and therefore even quite a small percentage reduction in the payments can have quite a large effect on your lifestyle. Something as small as 1% of a difference soon adds up: much better to have that money in your pocket than the banks for sure!

Loans are another flavour of the month thing too with Christmas being so close (one month and 10 days to go!). Rather than dump the whole lot on the credit cards, it’s probably better to put some thought into it as it’s easy to save quite a bit with some of the current deals (from 4.9%!).

One of the chief characteristics of French tax and social security administration is that when you start out in business they send you bills based on an estimate of what an established business would be earning, not what a start-up would be bringing in.

Although typically a new business will earn very little after start-up expenses in its first year, it will typically receive bills for thousands of euros no matter how small it might be. Clearly that’s something of a drag on start-ups in France and the effect is that considerable chunks of business activity are done on the black ie without registration. This, of course, helps nobody in that the businesses which do register have to shoulder the tax burden for those that don’t which forces many down the unregistered route or alternatively into bankrupcy, neither of which is beneficial for the country.

Take for instance Marcus who’s done some calculations as to what tax a start-up could expect to be paying in the first couple of years. His example was of a business making EUR 5000 per year right from the start and includes just the social security contributions (ie there would be addition taxes). Year one bill: EUR 4914, year two 2780, year three 2183 ie over 98% tax on the first years income.

Even if you change the parameters of the calculations to reflect zero income in the first two years followed by EUR 5000, the bill for the second year is EUR 4080! Still, at least in the third year you get a refund of EUR 281 in that case, which you could put towards the wind-up costs of your business.

Is it any wonder why the black economy in France is so large?