Foreign Perspectives

Archive for the ‘Immigration’ Category

One of the stranger aspects of us living here is the different way that James & John refer to things.

As we’re in France, they aren’t picking up english from kids at school as they’d normally do but rather picking it up from home and the TV. This means that it’s possible for us to pick out where they’ve learnt a word. So, by and large, they “speak cooking” with an Australian accent and they “speak computer” with a Belfast accent.

It’s also interesting that whilst both James & John refer to “Granda” and “Nanny here”, James who used to be looked after by my parents has “Granda’s Nanny”, John who was born here has “Nanny at the airport” as that’s usually the last place that he sees her.

We think that it was because Wendy was looking after James a lot more when he was younger than I was that he has developed a largely Australian accent but with us both being around much more equally since John was born he has a much more pronounced Belfast accent. You’d have thought that since James has been here over 60% of his life now that his accent would have become more balanced but it hasn’t done, or at least not yet so I guess that it’s the first couple of years that are the most important in terms of accent

Northern Ireland hasn’t been in the international news much lately but that’s not really an indication of peace as such, more an indication that violence isn’t happening which isn’t quite the same thing (welcome as non-violence always is, of course).

In fact the first indications of the arrival of peace was on its way started quite a number of years ago and, to my mind, was the arrival of the supermarket chain Tesco in 1997.  Prior to that the only UK supermarket chain operating in Northern Ireland was Marks & Spencer which had opened in 1967, 2 years prior to the start of the troubles, and hadn’t bothered expanding much since then. Nothing really says that peace is coming quite like big chunks of cash being invested.

However, the more certain arrival of peace (as opposed merely to reducing violence) was really only in the last few years and that has been marked in two very noticeable ways. Firstly the investments being made in the local economy are massive these days: you can’t drive more than a mile or two in Belfast without seeing building works of some kind. That’s also an aspect of the second point which is that there has been a large scale migration to Northern Ireland by everyone from the Poles to those that left because of the violence. Combine those two and the booming of the economy is very noticeable.

One very obvious side-effect of that mass immigration is that the house prices are going through the roof (hence the building work everywhere, of course) which is effectively a catching up on rises that didn’t happen in the last 30 years. The banks don’t seem to know what has hit them and mortgages are now available for up to 8 time salary (vs the maximum of 3 times just 3 or 4 years ago).

Anyway, at least Northern Ireland can now stand as an example of what it’s like when you do get to the end of the violence. Hopefully, it’ll provide an encouraging example to areas of the world that are still immersed in a culture of violence such as Colombia.

In France, it’s called “le quatorze juillet” but everywhere else it’s definitely Bastille Day on July the 14th.

This is the biggest celebration in France and, whilst it’s marked by processions everywhere in France, Paris is definitely the best place to see it.

The centre of Paris becomes a huge pedestrian zone over the course of the morning up until the parade is finished. The metro system usually isn’t fully operational either and the stations close to the route are closed in the run-up to the start of the parade around 10am. After the various roadblocks are removed, the traffic is much worse than normal (hard as that may be to believe if you’ve experienced the normal Paris traffic!). Therefore, to see the parade you’ll need to be staying somewhere within walking distance of the centre; it’s not too late to book a hotel and there’s also the option of one of the network of apartments, many of which are quite central (we stayed in the Citadine at Les Halles).

Unless you’re up very early, you’ll probably get a better view of the parade in one of the side streets rather than attempting to force your way through the massive crowds along the main parade going down the Champs-Elysee. You’ll miss seeing the president if you do this but realistically you’ve little chance to do that anyway as the best spots are taken up very early in the day. If you’re really set on seeing the president, the thing to do is to walk to the Elysee Palace just after the parade where you’ll see a continual stream of dignatories heading in for lunch.

The evening sees the fireworks show based around the Eiffel Tower. The crowds here are massive but that doesn’t matter as by far the best way to get to the perfect spot is on one of the evening dinner cruises down the Seine. If you choose the second sitting, the boat arrives at the perfect spot just as the fireworks are starting. Although the prices obviously aren’t cheap, they are far from the astronomical level that you might expect on such a day and sailing down the Seine on the evening of Bastille Day is by far the most civilised way to end the day.

What about the Bastille itself? Well, the prison was demolished in 1789 by the revolutionary government and today Place de la Bastille is a massive roundabout.

If you are intending to buy a property in France at some point, it’s pretty much essential to open a French bank account before you get to the point of purchase. 

For non-residents, the internet banking companies are not an option. Indeed, they are, on the whole, not an option unless you have been resident in France for a year or two as they ask for proof of French income. An exception to this is Ing although that’s purely a savings account and also requires you to already have a French account.

If you bank with HSBC, the easiest option for you is to open an account with HSBC in France. Those with Premier accounts can ask their relationship manager to do this but otherwise it’s best just to pop into an HSBC branch whilst you are in France (they’re not currently set up to open non-resident accounts outside the Premier arrangement). Although with Premier accounts in two countries you get free transfers between them, HSBC France is one of the highest charging banks in France so this may not be the best option for you.

Before starting the opening process, you should have a look at the French banking practices section of our Living in France guide.

Both Barclays and LloydsTSB offer a French service. However, their branches are clustered around Paris and the Cote d’Azur and not particularly cheap.

A number of French banks offer English speaking services and, on the whole, these are much cheaper than those on offer from the British banks (the American banks in France only cater for high net-worth individuals and not suitable for most people).

Of these, the most popular is Britline which is a English speaking phone & internet banking branch of Credit Agricole based in Normandy. The service from them is excellent but the services of most other branches of Credit Agricole is between dire and truly dreadful; you can however use the Britline across France so usually don’t need to bother with the local branches. Credit Agricole is a regional bank so, unless you live in Normandy, your local Credit Agricole is a different bank from Britline which limits the facilities available in branches if you’re using Britline as your bank but in practice this merely means that you can’t use the automated deposit machines.

More generally useable is Banque Populaire which has a number of English speaking branches in various regions around France although the most targetted at the English speaking community is that in the Cote d’Azur. This is also a regional bank so you can expect some limitations to the services on offer through your local Banque Populaire. The biggest plus of this is that the service in the branches is, on the whole, much better than Credit Agricole and the charges are significantly less too.

The two national banks,  BNP Paribas and Societé Générale, also have a number of English speaking branches but they don’t promote these actively. An account opened with any of these can be used anywhere in France with the same level of services as they are not regional banks. The other plus point is that they are much larger banks and therefore offer a much wider range of services.

To open accounts in any of the above, use the contact details here and they’ll send you the necessary forms (you can’t open any non-resident accounts online in France). In terms of documentation, all that is normally required is a photocopy of your passport and an original electricity bill. If you are opening the account some time in advance of needing to use it, don’t bother getting a debit card as these cost from EUR 20 to EUR 200 per year. It’s quite easy to stick to using cheques in France as everyone takes them with proof of ID (passport or driving license). Finally, don’t be caught out by inactivity fees which are around EUR 50 per year if you don’t use the account.

If you are moving to France, do not wait until you are in France before you try opening an account here as you won’t be able to provide the proof of address required for several months. If the account is opened before you move, you can simply change the address which in turn will provide you the required proof of French address required to get a French mobile phone. Opening an account whilst you are living in France is, for the most part, a nightmare best avoided involving making appointments with your conseilleur and getting signed up for expensive and useless additional services which are next to impossible to cancel afterwards.

Before opening your account, you should read the French banking practices section of our Living in France guide.

This is part of our series on international banking which covers how to open and use accounts in various jurisdictions around the world including America, Switzerland and various offshore banking centers such as the Channel Islands, Isle of Mann and Bermuda.

It’s time for the fields to be sprayed locally with fungicide and, as usual, we’ve all coughing and have sore throats even though we’re quite a bit away from where the spraying is being done at the moment.

Naturally, the concentration of the spray is a good deal higher around those doing the spraying but, of course, they’re wearing masks, aren’t they? Well, since it is France, no, they aren’t wearing any masks or other protective gear. This photo shows that there’s a mild breeze blowing which is great when the guy is driving the direction in this photo. I have a photo of him driving in the other direction but you can’t see the tractor in it as it’s totally enshrouded in the cloud from the spray.

Incidently,  in case you were wonder, yes, the packaging that the spray comes in is marked with untold numbers of warnings about the necessity of wearing protective gear when using it. Not that you really need to be told that working in a cloud of fungicide is not a good idea.

This total disregard for health & safety is typical for the area. Granted, the guy doing the spraying is making his own decision to ignore the warnings as it’s his field but even in the supermarkets you constantly come across wet and slippy floors that are ignored by the staff. In the UK, they have 2 minutes to clear any spillage or they’re legally liable, here it seems like hours are fine (and, yes, we have been in a supermarket a few hours where a spillage we saw on the way in was still there as we went out).