Foreign Perspectives

Archive for the ‘Relocating’ Category

We’d a very enjoyable evening last night when Colin McAllister who bills himself as a storyteller and traditional singer had a meal with us and treated us to an excellent song about Killinchy where I grew up. He’s got probably one of the best “jobs” (if you could call it that) in that he gets paid to tell stories in a number of different European countries and obviously considers it as a very enjoyable hobby that just happens to pay money.

The Polish family who called in for a meal have put the thought in our heads of going to Poland for our Christmas break. Poland probably isn’t the first country that you’d think of going for Christmas but they seem to have pretty much the same Christmas traditions as we do, unlike the more southerly countries in Europe.

We’ve just received the bill for the health insurance for the coming year…. EUR 10,047!!

Yes, ten thousand euros.

As with all French administrative organisations, the health insurance people take an incredibly optimistic view of the income that a business is receiving when they make their estimates. Start-up business are assumed to make tens of thousands of euros even after all their start-up expenses have been taken into account.

By year three we are apparently supposed to be making around EUR 155,000 before expenses are deducted, hence the somewhat ridiculous figure of EUR 10,000 that they want us to pay at this point.

Why the estimate though? Well, our accountant still hasn’t gotten around to doing the books for 2005 and recently announced that they need more information for 2006 despite assuring us nearly six months ago that they definitely had everything that was required.

Loads of people go on last minute holidays and do it very successfully but some of those people just aren’t organised enough to take a last minute break which becomes particularly obvious when they reach us.

Last minute holidays require you to be even more on the ball than normal as there’s usually not enough time to allow for any problems that you’ve not considered. Now, this usually doesn’t matter on a city break as you can get away with taking just your passport, credit card and plane ticket but if you’re aiming for somewhere outside a city or going for more than a few days you need to put a bit more thought into it.

The first thing you need to be clear on is how you are going to get from the airport to your accommodation. Many of the airports used by discount airlines are tiny and not fully operational when late night flights arrive. If you’ve hired a car, check that the car hire office will actually be open when you arrive and indeed up to about an hour after your flight is due as it can take that long to retrieve your baggage and get through customs & immigration. You might think that this will be OK as they wouldn’t take the booking if they weren’t open. Not so: car hire companies in Perpignan all accept bookings for times up to 11pm yet they are all closed by 6pm!

Check that the accommodation you’ve booked is open when you’re planning on arriving too. The majority of hotels don’t have 24 hour reception and if your arrival time is going to be after they close then you usually won’t get in (very small hotels often operate a grace period after official closing time but don’t bank on that). Tell the hotel what flight you are arriving on as some will check for actual flight arrival times and may allow for delays. Phone the hotel as soon as you know you are going to be delayed: don’t wait until you get off the plane to say that you’re four hours late, particularly if that means you’ll not be arriving ’til after 10pm.

If you’re going to arrive on Saturday or Sunday and plan on using public transport to get around, check that it operates at the weekend. In France, it’s commonplace for there to be no public transport operating on Sundays. If you’re going to use a taxi, try asking the hotel what the price is likely to be to avoid nasty surprises.

If you get off the plane really late and can’t face travelling to the accommodation that you’ve booked, don’t forget that you will almost certainly be charged for it anyway. Any cancellations usually need to be made at least 24 hours in advance to avoid “no show” charges. Even with that, any booking fee you’ve paid is never refunded.

If your flight arrives in France after 8pm, make sure that you have eaten something before you get off the plane because, outside the large cities, you won’t be able to get anything to eat in France.

Don’t forget to pack the really essential things that you will need during your stay. It’s not always easy to buy the likes of contact lens solutions and whatnot if you’re in a strange country. The electricity supply around Europe is the same but the plugs are different so buy an adaptor if you haven’t already got one (they’re usually much cheaper in your departure airport than they are at your destination).

Even if you’re not intending to drive, take your driving license.

Take Mastercard and Visa as not everywhere accepts both. It’s useful to have an American Express card as they can be replaced abroad if lost/stolen whereas Mastercard and Visa usually can’t be, despite what the respective companies will tell you.

Finally, don’t depend on the ATM at the airport working when you arrive, particularly if you’re arriving in a small airport at the weekend. Bring some cash in the local currency (around EUR 100 is enough).

We’ve had quite a run of Brits who live in Spain stay with us on their way to/from the UK over the last few months.

With few exceptions, they have all assumed that southern France will be just like Spain. So the resorts will be fully open ’til November, the restaurants will start serving food from 9pm, and so on.

Well, it isn’t like that at all.

The beach resorts in France start closing up in the first week of September and are almost completely closed down by the end of the second week. Of course, that suits us as we get a jump in bookings for the second two weeks of September.

Far from opening at 9pm, the restaurants here have all closed by then and usually won’t serve you much after 8pm. In fact, by then your choice is usually limited to McDonalds and the like. Even in the busiest week of the year for Perpignan (which is this week), they still close at their normal times. This seems particularly daft this week as the town is full of journalists and there’s a very popular nightly show which runs to midnight yet everywhere is closed by the time it finishes.

One thing never to neglect when you’re living abroad is the cost of changing money from one currency to another yet virtually nobody considers it.

The costs can be quite substantial too. A friend of mine who was living in Brussels once casually remarked that he just used the Halifax as he did at home, lifting EUR 20 or EUR 30 whenever he needed it. He was more than a little takenaback when I pointed out that by doing that he was paying around 10% of his entire salary in bank charges. Yes, that much.

We’ve had quite a run of Brits living in Spain stopping with us on their way to/from the UK this year and I was very surprised to find that only one of them used the Nationwide credit card. Yet, that’s the only one that offers free exchange from sterling to other currencies (and all of the people concerned were living on a UK based income).

The other alternative for euro-zone countries is the Halifax which operates as Banco Halifax in Spain. They offer free transfers from UK based Halifax (and Bank of Scotland) accounts to Halifax in Spain. Although they don’t currently operate elsewhere in Europe, the Spanish outfit is quite sufficient for those in eurozone countries as you can, of course, use the supplied debit card outside Spain for purchases (it’s a bit expensive for ATM withdrawals outside Spain).

Very handy and the whole thing operates in English.