Hello all I've joined today

We came over with a “pot” after selling up in UK… but we were much nearer Retirement than either of you two…

We had worked out a figure for annual spend… and, of course, went vastly over budget… as you do…:wink:

If your French is reasonable… why not check out the gouv.fr links

here is one Accueil - Démarches - Ministère de l'Intérieur

To discuss Pension and Taxation contact @Brian_Furzer He is a specialist in this field and will be able to advise you on the French aspect… :relaxed:

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Once you’re in the system you pay income tax, social charges and the health cotisation that’s it…although remember for most health costs you have to pay 30% or take out a complementary insurance to cover that.

We have a small business so we get our advice from our french accountant, so can’t help on likely financial advisers. But generally yes get professional advice - our accountant seems to manage to make sure we don’t pay much tax which makes up for her costs!

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This has come up before - basically the French authorities consider that savings generate income at a modest rate of interest (2% was mentioned) so you need rather a lot of savings to meet the minimum income requirements for “inactifs”.
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ive looked at the Carte de Sejour link sent to me. It should be that if I can demonstrate we have sufficient funds (not including house) to cover 37 years (upto male life expectancy of 87) of 1293,54 € (which is the higher level for over 65’s not applicable to us for quite a few years) the this should be accepted. I am on the right side of the curve on this.

If the UK state pension is also factored in it should be a breeze.

Seems pretty foolish to expect people to live off of interest returns - does anyone actually do this? It should be assumed people will spend their wealth before they check out. I’d need around 1.8 million Euro on deposit at 2% to generate what I plan to live off.

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OK, that’s interesting - I can’t find chapter & verse, do you have a link to the exact info.

The multiplier is not massively different though - 37 vs 50 x the 1293,54 € per month for a couple.

Our intent when we bought the house was at least a period of permanently living in France (while healthy, at any rate) - a lot is likely to change in the 12 years before I can retire (sadly pension planning did not quite work out as I envisaged so we’ll have to work pretty much up to state retirement age) but any info I can gather regarding finances will be useful.

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Hi, its the one @Stella posted earlier

here: https://www.demarches.interieur.gouv.fr/particuliers/europeen-inactif-france-sejour-mois

it doesnt specify what I said in terms of multiples but if I were having a conversation with a French administrator this is what I’d be saying to make my case.

Come on David… let’s hear it… how good is your French (??)… because it really does make a difference if you can converse in the native language. Even if you make mistakes… no matter… so long as you can understand and make yourself understood… that will take you far. :relaxed:

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lol - good enough to understand enough of a website though for all and any official interactions I would require the services of an intepreter, at my cost :grin:

Courage mon brave ! :grin:

You will find that folk (especially in bureaucratic circles) appreciate you making the effort… and, in return, make sure that you are clear with everything…

Mind you, at first we went around with 3 dictionaries… and they were well used, by us and by the officials… :relaxed:

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No, that’s Germany :wink:
Here we probably have about the best provision of care for small children anywhere. I say this a full-time-working-outside-the-home mother of 5.

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In the age of the smartphone, we have found Google Translate an absolute bonus…

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It still occasionally comes out with “amusing” translations though.

I find wordreference fairly indispensable.

Deepl is good, as well.

No, no… much more fun with a bundle of dictionaries… especially the pictorial one … that was and still is a boon… :grin::rofl::joy::sunglasses::grinning::grinning::grinning:

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We had one of those too Stella. Was no end of help for plumbing, electricity and technical bits on motors. Whenever we had to produce it the French were so very helpful and amazed something like it existed. Would lead to long, and laughing, discussions when colleagues clustered around to take a look as it was passed around.
Oh those days of innocence :wink:

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