Foreign Perspectives

Archive for the ‘Places’ Category

That’s the problem with the euro situation at the moment: it really is placing a bet on it surviving.

Spain is being given another 100 billion to bet on it’s banking system surviving the crisis. Greece, unless they elect a far left or right government, will probably be given a similar amount to bet on it’s banking system and not too long from now Italy and Portugal will follow with equally large bets.

All this is just fine if the bets win. If they don’t that money will need replaced and the amount remaining in the kitty will be rather low at that point. Moreover, if the bets don’t win there’ll be a whole bunch of real-world things needing financing at the same time that the bets are written off which is a nightmare scenario for everyone in Europe and none too good for anyone anywhere else for that matter.

Either way, it would appear that we’re in for an interesting second half of 2012.

With starting the new job the week before Easter, this is my first week of work holidays in over eight years!

As we normally do, it was off to Portrush on Easter Monday. Usually, there’s a mass of traffic along the way, a traffic jam a mile or two long going into the town, pretty much nowhere to park, wall to wall crowds everywhere regardless of the weather and no money in the cash machines. This year the traffic seemed a bit light on the way up, there was no traffic jam at all, loads of parking spots even quite close into the town, hardly any crowds and money in the cash machines even in the late afternoon as we were leaving. We didn’t even have to queue in the café and there was next to no queuing in Barry’s either. Methinks that Portrush is going to have a tough time financially if they can’t fill up even on Easter Monday.

Ongoing throughout the holiday has been the assignment for SD329 a biology cum psychology course that runs through to October. Although it was very much a last minute thing, it was a much easier assignment than the chemistry one which I’ve been ruminating over for weeks. I wasn’t too keen on the breakdown of every section of every question into a specific word count but it did prompt me to write a little more on some questions than I otherwise would have done which, hopefully, will improve the marks. Anyway, it’s off so it’s just the final chemistry question to complete tomorrow.

I came across a neat site which converts any website into an Android application so I’ve put on four trial ones. They look fine on the ASUS tablet but I’ll need to rejig the style sheet a bit to tidy up their appearance on Android phones. I may need to get myself an Android phone to really try them out too. No downloads as yet but then they’ve only been on a couple of days.

The materials for the Infectious Disease course arrived yesterday. No big surprises there as I picked up a copy of the pre-course briefing last year. I’ll have to get going on reading it properly soon as I want to get that well underway before I need to start the chemistry revision and indeed the pre-course work for the chemistry summer school for that matter. Oh, and the two assignments that’ll fall due in the midst of that revision time too. It’s going to be a hectic time for me in May and June.

Many years ago when Wendy was first in the UK we applied for and received a European residence permit but after we went to France we didn’t bother to renew it.

To get the European family permit (ie entry clearance visa) whilst we were in France would have entailed a three or four day trip to the embassy in Paris and a wait of anything up to a year. This made it impractical for us so we didn’t bother and instead just went without the visa. Wendy’s Australian so doesn’t need a visa to get into the UK but as it turned out, the immigration people at Rosslare just accepted our statement that we were living in Belfast and let us pass.

So, we’re in the UK sans visa. Interestingly, since there’s no requirement to register with local authorities in the UK, there appears to be nothing stopping you just staying on regardless of what any stamp in your passport may say about when you should leave.

Anyway, to get Wendy legal we, in principle, are supposed to apply for a residence permit for her. Snag is that when we arrived the processing time for this was getting on for two years (despite the legal obligation for the authorities to do it within six months) and we knew that we needed to go back to France that summer. So we didn’t bother. Next time we came back the immigration people accepted our statement about living here (which we had been doing) and off we went again.

Since we’re notionally in the process of selling our place in France we knew that we’d need to go back there at some stage to finish packing etc. but didn’t know when so a two year processing time (during which time they keep your passport) also wasn’t on. Thus we find ourselves living in the UK for getting on for two years now with nothing to show any right to do so and nobody making any attempt to deport Wendy as yet.

The one problem is with social security who have already stated that they don’t believe Wendy is here legally but, despite their obligation to do so, have done nothing about reporting her to the border agency people although they do insist that we need a European family permit.

Funnily enough, we’ve since found that, courtesy of a determination made right here in Belfast, we were correct in our assumption that we didn’t need a European family permit to enter the UK. Just as well really since it’s a visa and you can’t get a UK visa when you’re actually in the UK as you can only get UK visas from British embassies and, of course, there are no British embassies in the UK.

What we are doing, somewhat belatedly, is applying for a European residence permit. At present, the advice is that we may be turned down for this (although we may not). Being refused this permit doesn’t appear to be a problem though as there are no limits to the number of applications and appeals that you can make (all of which are free) and you’re legal in the UK whilst they’re processing the application. Since it currently takes them about six months to process an application, all that you need to do is to reapply if/when you get the refusal and you’ve another six months legality. Weird, huh?

Quite why anyone bothers trying to stay here illegally when they can legalise things seemingly permanently so easily is beyond me.

In many ways this is, for once, an improvement for the customers of the former Halifax but it comes with downsides too.

The range of products on offer is significantly improved with the addition of both a proper Visa card in addition to the existing Visa Electron (which remains the default card issued) and a multi-currency sterling account and a lot more branches in Spain. It’s as clear as mud but the need to keep a balance of 600€ for free banking seems to have disappeared albeit with the downside that there’s now a charge of 9€ per year for the Electron card regardless of balance (replacing the previous 18€ for balances under 600€); it’s 15€ a year for the full Visa debit card.

Probably the biggest downside is that the free transfers from Halifax UK to Halifax Hispania have disappeared so it’s probably a good time to get yourself one of the free FairFX cards and thereby get back your free currency conversions. For free cash withdrawals you can get the CaxtonFX card though their exchange rates aren’t so good therefore it’s probably best to get both cards if you’re living in Spain.

One big difference is in the list of charges. Replacing the Halifax’s previously very clear and short list is a massive 60 page document from Lloyds that throws clarity out the window. It’s certainly complete but I question whether they couldn’t have produced a much simpler and shorter document for normal customers instead of the monster which seems to cover all possibilities from normal people through to major corporate banking.

Overall, I suspect that, for a change, this amalgamation of the Halifax and Lloyds TSB in Spain is probably a good thing for their customers. You can get the freebie currency transfers elsewhere and it frees up the 600€ that was tied up previously to get the free banking, albeit with the downside that you need to fork out 9€ a year.

It doesn’t seem all that long ago that British kids collected money over the Halloween period by wheeling around a dummy and collecting a “penny for the Guy”.

These days though, I doubt that many would even know the phrase or where it originally came from. In case you’re one of those, it’s a phrase commemorating Guy Fawkes and his attempt to blow up the houses of Parliament as part of the Gunpowder Plot way back in 1605.

There was a vaguely confusing few years when that went out of fashion with nothing to replace it but thanks to the Americanisation of the Halloween period we are firmly in the “trick or treat” era. Still, at least it hasn’t degenerated into the non-traditional cry of “bon bons” (sweeties) of the French who arrived at that with no previous Halloween tradition.

It’s fortunate for us this week anyway in that it’s been pouring for most of this week but was quite pleasant whilst we were walking round with the kids on Halloween night last week.