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etcetera
I’M FREE - TAKE ME, KEEP ME!
YOUR COMPANION FOR LIFE IN THE FRENCH COMMUNITY APRIL 2020
Keeping
Ourselves
Healthy
IN BODY
& MIND
GARDENING • EXPERT ADVICE • ASTRONOMY • PUZZLES •etcetera
RECIPES1
hello & welcome
Contents A Note from the Editors
CONTACT US:
3 A note from the editors
Tel: 05 16 32 13 42
4 What’s on email: editors.etcetera@gmail.com
6 COVID-19 website: www.etceteraonline.org
17 rue des Chaumettes
10 Craft 86290 St Léomer
12 Language
14 Food
etcetera magazine @etceterafrance
16 Business & assistance
Welcome to the April edition of etcetera magazine.
20 Health
We’ve worked hard to get this edition out to you, our tight monthly deadlines
24 Garden allowing us to create an up-to-date magazine reflecting the unprecedented
32 Farm life situation we have all found ourselves in.
34 Fishing We would like to thank our advertisers, who, despite testing and difficult times
have been able to remain loyal and constant. Our contributors, who have
36 Wildlife provided us with last-minute relevant features (with a good smattering of
38 Animal escapism) which will help us through these times.
And to Bob Webb, for his sterling work on our new website, enabling a quality
40 Night sky online viewing experience in time for the April edition.
42 Free time (bumper!) Keep well, keep safe.
45 Home & Specialist Gayle and Sam EU
47 Getting connected
50 Artisans
Useful numbers
58 Motoring & removals 15 SAMU (Medical) HOSPITALS
17 Gendarmes (Police) 05 55 05 55 55 Limoges (CHU)
61 Property 05 55 43 50 00 St Junien
18 Pompiers (Fire and also trained in
05 55 47 20 20 Bellac
63 Opinion medical emergency)
05 49 44 44 44 Poitiers
114 Text-message emergency number for
05 45 24 40 40 Angoulême
64 Classified deaf/hard of hearing
05 49 32 79 79 Niort
119 Child abuse 05 45 84 40 00 Confolens
115 Homeless
Counselling In France Counsellors,
113 Drugs and alcohol psychotherapists, NLP, CBT etc offering therapy
112 European emergency not always English in English to expatriates all over France on
Subscribe 1616 Emergency- Sea & Lake
3131 Last incoming call, key ‘5’ to connect
www.counsellinginfrance.com
SSAFA France 05 53 24 92 38
Annual subscription
France 45€ / UK 45€ Orange email france@ssafa.org.uk
Card payment by telephone English speaking helpline French Health Insurance. Call the special
0033 (0)9 69 36 39 00 English-speaking Advice Line provided by
Website in English: www.orange.com/en/home Ameli: 0 811 36 36 46 from France (local call
Technical assistance for landlines (French): price from fixed-phone line). Call 0033 811 36
Advertise 3900 (+33 9 69 39 39 00 from abroad)
SFR 1023 or 00336 1000 1023 (Not English)
36 46 from foreign countries (call rates vary
between operators).
Copy date 15th of each month (except EDF NHS website : www.nhs.uk/using-the-
December which is the 11th). 0810 333087 EDF breakdown 24 hours nhs/healthcare-abroad
Commercial adverts: Please see our Media +33 (0)9 69 36 63 83 EDF Helpline in English www.ameli.fr
Pack at www.etceteraonline.org 0033 562164908 (From UK) No Panic France Helpline:
What’s On/Listings: 12€ per 50 words for 05 62 16 49 32 Fax No Panic UK helpline:
a guaranteed spot or free (space permitting) E-mail: simpleenergywithedf@edf.fr 0044 1 952 590 545 11h - 23h (French time) 7/7
Classified listing: 6€ per 25 words CPAM - 08 11 36 36 46 English Helpline www.nopanic.org.uk /nopanicfrance@orange.fr
plus 3€ per photo Veolia Water Emergency No: 24h/24 et 7j/7 English-speaking Crisis Line
05 61 80 09 02 (press 1 for urgent problems or SOS- HELP 01 46 21 46 46 3pm-11pm 7/7
Property listing: 10€ per 50 words
plus 6€ per photo 2 for a technician) British Consulate in Paris 01 44 51 31 00
S.E.P Du Confolens (Water) British Consulate in Bordeaux 05 57 22 21 10
Code APE 5814Z Edition de Revues et www.ukinfrance.fco.gov.uk/en/
Periodique Siret 80903463000016. La 05 87 23 10 08 Emergency 24/7
Présidente G. Feasey Registered. Le Bourg, Aéroport Int’l Limoges 05 55 43 30 30 Credit Agricole English Speaking Helpline
Charente (residents only) 05 45 20 49 60
Photo credits: Bigstock, Pixabay,
87360 Verneuil Moustiers. Impression: SNCF (train times, buying tickets etc) 36 35
Rotimpres. Pol. Ind Casa Nova. Carrer Pla de Alcoholics Anonymous Anglofile - Radio for British in Charente -
l’Estany s/n. 17181 Aiguaviva (Girona) For contact details of meetings in your area www.rcf.fr Tues 20h (repeated Sun 11h30).
Espagne. etcetera est gratuit. Angouleme 96.8, Chalais 96.9, Confolens 95.4,
including those conducted in English, visit
While we always do our best to ensure the content in this www.aafrance.net Ruffec 95.4, Char. Limousine 104.1, Cognac 89.9
magazine is given in good faith and businesses are reputable, we
accept no liability for any errors or omissions and do not endorse Print 2 copies - one for your home and one
any companies, products or services. Articles written are the Please download the pdf from this link now: for your car - it could save a life.
personal opinions of the original authors and do not necessarily
reflect the views of etcetera magazine. www.paysruffecois.fr/sante/guide.pdf
etcetera 3
listing 4 etcetera
listing etcetera 5
listing
All you need to know to
KEEP CALM
& CARRY ON
AS WE FIND OURSELVES STARING STRAIGHT INTO THE EYES OF WHAT
SEEMS THE GREATEST CHALLENGE OF THE 21ST CENTURY, MANY OF US
ARE DIGGING DEEP; DRAWN TO REFLECT ON HOW TO BEST HELP OUR
FAMILY AND COMMUNITIES COME TOGETHER IN STRENGTH AND
CONTINUE TO THRIVE DURING THIS PANDEMIC
government to help those impacted better bars, cinemas and restaurants; and a call
Y et, knowing what news is fake and
what is the real deal is not easy.
Stuck between a raft of information (and
navigate these choppy waters. to work remotely from home wherever
possible. A matter of hours later all non-
What is the French government
misinformation) via social media; the essential shops and places of work had to
doing to reduce the spread of
language and cultural barriers; and the also shut their doors.
COVID-19 in France?
fast-changing goal-posts - not to mention President Macron announced in a
the unprecedented nature of this crisis - The initial advice, issued early in March, televised speech on Monday 16th March
it’s not surprising people are a was to avoid all close contact such as 2020, a number of stricter measures.
little confused. shaking hands, and to keep a ‘social From midday Tuesday 17th March 2020,
In the hope of bringing some clarity in this distance’ of at least one meter away from people were required to keep travel
time of uncertainty, I’ve collated some people. This was followed by curtailing outside the home to the absolute
answers to common questions based on large gatherings and events; school minimum and only allowed to leave their
information issued by the French closures across the country, and shutting homes for essential journeys or go to work
6 etcetera
covid-19
(provided the rules of social distancing deplacement-derogatoire-et-justificatif- ADVICE
and hygiene can be followed). These de-deplacement-professionnel
additional restrictions were to last for a 1. travel between home and place of
minimum of 15 days. President Macron work if you can justifiably not work from
asked that everyone remain calm but home or the work cannot be postponed
stated that we are facing a “health war” (and provided you can respect JENNY
and we need to remain united and each social distancing) SMITH
take responsibility for our actions to limit
the spread of the virus. 2. trips for essential purchases (food or FRENCH WORDSMITH
petrol in authorised shops listed on
On 24 March 2020 the government gouvernement.fr and to the pharmacy); or Jenny Smith, French Wordsmith offers
announced additional measures with in order to carry out your work comprehensive administrative,
stricter rules (and heavier fines); more
3. travel for health appointments which translation and support services for
powers to the police and to local councils
cannot be dealt with remotely or English-speaking people in France on just
(mairies). This includes closing open
postponed, and those required for patients about anything you can think of – from
markets and curfews if deemed necessary.
with an ‘affection de longue durée’ (carry business and building to health, residence
On 27 March 2020 the Prime Minister written proof / authorisations with you) and schooling – and if she doesn’t know
Edouard Philippe announced that the answer she will find someone who
the confinement is extended until 4. trips for essential family reasons; to
help the vulnerable; or care for children can. Contact her via mail:
15 April 2020. jenifer@wordsmithcoms.com or phone 06
Why such drastic measures? 5. brief trips, under 1km from home, for 79 85 58 84 / 0044 7557 402104 and read
individual physical activity (not group some client reviews on
Obviously, the fewer people infected by activities or group sports) and to care for www.facebook.com/frenchwordsmith
coronavirus the better. However, the pets for a max of 1 hour per day, alone or
problem is more complex due to the with members of your household only
nature of the virus COVID-19: it spreads
extremely quickly and vulnerable people, 6. legal or administrative requests
you have an ‘essential’ reason (‘motif
such as the elderly or those with certain 7. to carry out tasks classed as ‘in the familial impérieux’). Again, carry proof of
pre-existing conditions, may need public interest’ requested by the residence / home (a bill in your name)
hospitalisation and specialist equipment administrative authorities along with the travel permission form
to survive. It is therefore vital that we take How can I be sure my reason (attestation de déplacement) and check
all possible measures to greatly reduce the is ‘essential’? with the embassy / consulate and ferry
rate of contagion so that hospitals and company, etc, beforehand. If in doubt,
medical staff can cope. Otherwise, medics There are inevitably a few grey areas. The
main questions, I suggest, are to ask check www.diplomatie.gouv.fr and
will have to make hard decisions that may www.interieur.gouv.fr or your prefecture’s
determine who lives and who dies. oneself: is the impact potentially serious if
I don’t go, and how can I respect the rules website for guidance
Winston Churchill might have said
of social distancing? If in any doubt, call How do I get help if I think I have
“Careless trips costs lives.”
your local mairie for guidance (check their the virus?
When can I leave my home and for website for contact numbers) or message
what reasons during this If you have "light" (non-severe) symptoms
Gendarmerie Nationale online for pressing
confinement period? of a cough or fever call your doctor (GP)
but not urgent queries
for a phone consultation. Some may be
Trips outside of the home must be kept to www.gendarmerie.interieur.gouv.fr/Conta
able to make a home visit as you need to
the absolute minimum. Journeys outside cts/Formulaire-de-contact
remain isolated. If you have severe
the home are only permitted for ‘essential’ symptoms or serious concerns, dial 15 for
reasons which fall into one of the if your French is a bit rusty,
emergency services, but again the advice is
categories below. Each person must prepare your explanation before you leave
not to go directly to the doctor or the
complete the official ‘attestation de and take written proof where possible.
hospital without calling first (call
déplacement dérogatoire’ form in pen, Can I continue with all physical emergency services on 112 from a mobile,
one for each trip (do not reuse or cross activities if I keep to the rule of or text to 114 if you have a speech or
out), include the date and the time you social distancing? hearing impairment). If you have a general
leave the home, and carry it with you Cycling, fishing, skiing, etc are regarded as question related to COVID-19 call
(along with your passport and proof of non-essential and not permitted (apart 0800 130 000, lines are open 24/7.
address and relevant official papers or from cycling to work or to shop). Only solo Is the post office still operating?
‘convocations’). People should travel alone physical activities of short duration are
or with children only, unless you have an allowed such as running or walking within La Poste is operating a reduced delivery
‘essential’ reason to travel together such as 1 km of home. Young children on cycles or service and many physical offices are shut
a medical consultation for a person that kids’ scooters are tolerated provided the but have online services at www.laposte.fr
cannot drive. Children must be named on adult with them is on foot. Private delivery companies are still
the form. operating with longer delivery times but
I need to get home to France; can I few deliveries to ‘point relais’ (pick up
Failure to comply, and you risk a fine of cross the border? points, many of which are now closed).
135 € for the first offence (rising to 375 € if Amazon have reduced deliveries to what
The EU and Schengen borders are now
not paid within 45 days); 200 € for a they deem to be ‘essential’ items only (eg
closed to prevent entry into Europe.
second offence committed within 2 weeks French citizens currently abroad (and health products and animal foods).
of the first (rising to 450 €); and if you’re those resident) need to go to their nearest
caught 4 times within a 30 days period a I’m self-employed but cannot work
embassy or consulate for instructions and from home (télétravail), can I still
fine of 3,750 € and a 6-month prison advice or search www.diplomatie.gouv.fr
sentence. The form can be copied in full by keep working?
and www.interieur.gouv.fr
hand if you don’t have a printer and is Craftsmen / trades and certain ‘services à
available in different formats, with an Can I travel to another European la personne’ have the right to continue
English translation, from country to join my family? working if, by the nature of their work and
www.interieur.gouv.fr/Actualites/L-actu- If someone needs to cross into another the place of that work, they are able to
du-Ministere/Attestation-de- European country, you can only do so if follow the rules of hygiene and social
etcetera 7
- Please Note -
We have done everything possible to ensure this information is
correct at the time of going to press. However, there are likely to
be daily changes and updates due to the nature of the crisis so
please do check on the French government websites for
clarification prior to taking any course of action.
covid-19
distancing. Carry with you your completed 800 euros in indemnités journalières prélèvements à la source (monthly income
“attestation de déplacement between 1 March 2020 and 31 March 2020 tax payments) via your online tax account
dérogatoire” and either your carte will not be eligible. The government at www.impots.gouv.fr or by calling 0809
professionelle or Kbis / Insee Certificate, propose a review and possible extension 401 401. You can also contact your bank to
but no need for the justificatif de for those impacted during April 2020. request the temporary suspension of a
déplacement professionnel as it’s for More information on eligibility and how to mortgage or loan or to arrange an agreed
salaried workers only. apply (with an updated flow-chart) is overdraft (découvert autorisé). Contact
Certain services à la personne are clearly available on the FNAE website service providers to agree a change of
unable to follow these rules so cannot www.federation-auto- payment schedule for electricity, water
work (apart from those deemed ‘essential’ entrepreneur.fr/actualites/aide- rates and some insurances.
services such as carers). If in doubt, plafonnee-1500-euros-autoentrepreneurs-
I would normally be able to go to
contact your Chambre de Métiers et mode-d-emploi-complet and on
work but I have to care for my
d’Artisanat (CMA) or Chambre de www.impots.gouv.fr/portail/files/media/c
abcom/covid19/fonds_soutien_pas_a_pa children, can I get any help?
Commerce et d’Industrie (CCI) and unions
such as CAPEB www.capeb.fr and check s_tpe.pdf or go directly to If you are registered as self-employed or
the list here: www.federation-auto- www.impots.gouv.fr to apply via your employed and cannot undertake your work
entrepreneur.fr/actualites/restrictions- online personal tax space before 30 April from home due to the nature of your work,
durant-epidemie-nos-solutions 2020. If you’re not eligible for this and have to stay at home to take care of
There is a proviso that if work can be solidarity fund you can apply for an ‘Aide your children (under 16, or under 18 in a
postponed then it should be, but I humbly financière exceptionnelle’ described below ‘specialist’ establishment) due to the
suggest this is rather vague and or visit www.secu-independants.fr/action- school closures, you can apply for an “une
contradictory so, once again, check sociale/demander-une-aide. An additional prise en charge exceptionnelle
updates daily. sum of up to 2000 euros will be available d'indemnités journalières”. This is a daily
from a regional fund from 15th April for
I’m self-employed, will I get any payment for up to 14 days rather like ‘sick
small businesses with at least 1 employee
financial help from CPAM if get sick pay’ and is currently not based on how
to help cover fixed charges and
from coronavirus? much you have paid into the system nor
avoid insolvency.
Sick pay for the self-employed is normally for how long. It is assessed on a case-by-
I’m self-employed (or a small case basis and can be renewed. Make the
only paid if turnover is over certain
business owner), what other help self-declaration on https://declare.ameli.fr
thresholds and you have paid enough
is there?
social charges for long enough – with NB For travailleurs independent the
some exceptions - and only from day 8 of Applications for financial aid can also be FNAE advise: for your employer number,
illness or accident (and from day 4 of a made via the l'Action Sanitaire et Sociale
state your SIRET number again (yes,
hospital stay). However, the good news is de la Sécurité sociale pour les
seems strange); select “je certifie que cette
that you should now get sick pay indépendants (ASS). This ‘Demande
déclaration concerne des employés ne
regardless of how much you have paid in d’intervention du fonds d’action sociale:
Aide financière exceptionnelle’ is means pouvant pas télétravailler” and select
and for how long - and from day 1 - if
tested and assessed on a case-by-case basis “ajouter un employé”.
COVID-19 is diagnosed. ME sick pay rate
is from 5,46 € to 56,35 € a day. Ask your for MEs and small business owners facing How can I get a repeat prescription
doctor for an ‘arrêt de travail pour hardship due to ‘exceptional’ without bothering the doctor?
maladie’ and post it within 48 hours to circumstances. The aim is to protect
longevity. It’s vital you submit a detailed Until 31st May the pharmacies will
your main CPAM (e.g. Limoges or
application with clear reasoning to support dispense regular medication without the
Poitiers). Some doctors can do this
your case and proof in the form of written need for a new prescription.
electronically for you.
evidence of cancellations, etc. To access Any concerns, do call your GP for advice or
My business income has been ask the pharmacist.
the form, go to: www.secu-
impacted by the crisis, what help
independants.fr/fileadmin/mediatheque/ Where can I find
is there?
Espace_telechargement/Formulaires/Aide up-to-date guidance?
The government has set up a solidarity _financiere_URSSAF.pdf
fund to provide financial support for the You’ll find other sources of help on Check the FAQs on
self-employed and small businesses (très www.economie.gouv.fr/coronavirus- www.gouvernement.fr/info-coronavirus
petites entreprises: TPE) directly soutien-entreprises What can I do to help?
impacted by the health crisis. The criteria
How can I reduce my ME outgoings There are numerous ways we can pull
determining eligibility was reviewed and
to tide me over? together. You can sign up to help farmers
amended on 31 March 2020 as follows.
There are several things you can do. Use with production on
In a nutshell, those eligible fall into two
your professional online tax space to https://desbraspourtonassiette.wizi.farm;
categories: suspend Cotisation Foncière des volunteer in your local community to
1. Those who, due to the nature of the Entreprises payments (CFE); and social deliver essential supplies; make friendly
business, received administrative notice to charges via your ‘check-in’ telephone calls to the
shut between 1st & 31 March www.autoentrepreneur.urssaf.fr account vulnerable; or help care for the children
2. Those businesses impacted by a loss (set your next declaration to zero turnover (and pets) of our carers via
of at least 50% of their turnover in March or amend a completed declaration not yet www.jeveuxaider.com. Look out for ways
2020 in comparison to March 2019 (or, for processed to zero). Bear in mind, this is to buy local produce and use local artisans
those created after 1 March 2019, delaying the payment not cancelling but and services. And if you’re concerned
in comparison to the average it’s hoped catch-up payments will be
about child abuse do call 119 or visit
monthly turnover) spread out. For additional advice contact
www.allo119.gouv.fr and for domestic
URSSAF on 3698 or message them via
The amount awarded will be tax-free and abuse call 3919 or visit
your online space.
equal to the amount of turnover lost, up to https://arretonslesviolences.gouv.fr
a maximum of 1500 euros. Micro- How can I reduce my household At the risk of stating the obvious: just
entrepreneurs (MEs) set up after 1 Feb outgoings until things get easier? staying at home and respecting the rules
2020; MEs with a full-time contract or You can cancel direct debits for local taxes when out and about will go a long way to
retired; and those who have received over (habitation and foncière) and for better protect us all.
etcetera 9
craft craft
Garden
Markers
THESE ROCK MARKERS ARE EASY
TO MAKE, LOOK BEAUTIFUL IN
YOUR GARDEN AND ONLY
NEED A FEW BASIC MATERIALS.
GREAT ACTIVITY FOR ALL AGES
H ow many times have you planted something and then later found yourself
wondering “What did I plant there?!”? These hand-painted rocks are a pretty and
practical solution. For example, you can mark your perennials so you know where they
will appear each year.
You want to use outdoor paint so they survive the elements and it’s a good idea to seal
them each year, but they do keep their colours really well. Deco Art do some really nice
Patio Paints which are specifically for outdoor use, as well as a Clear Coat for the seal.
You can find these at craft stores or order them online from Amazon.fr but at the
moment you’re going to have to use whatever supplies you have at home already while
commerce is closed.
Materials
- Smooth rocks or stones - Paintbrushes
- Patio Paint or outdoor craft paint in - Pencil or toothpick
various colours - Patio Paint clear coat or clear
- Black paint marker or Sharpie outdoor sealer
Instructions use a black paint pen or Sharpie
1. Wash the rocks and dry them marker to do your lettering. (Make
thoroughly. Make sure they dry as sure you allow anything written in
rocks are porous and absorb water. Sharpie to dry, they are notorious
for bleeding.)
NEW FOR 2. Collect your stones keeping in mind
IINKRAME N2020A L the lettering you wish to use (eg a
larger for “marjoram” and smaller
5. To decorate, use the handle end of a
large craft paintbrush to dot on
T for “kale”). various spots in different colours. Use
TATTOO LASER & ROCHECHOUART
Paint the rocks in desired colours. For
the longest life of your decorated
stones, it’s important to allow
a smaller paintbrush handle to add
smaller spots.
6. Finally, use the tip of a pencil or a
LASER TATTOO REMOVAL
Latest PICOSECOND Technology adequate drying time; allow at least 1 toothpick to add tiny white dots to the
hour between coats. centre of the larger dots. Allow the
UK / EU CERTIFICATION Some colours may need more coats rocks to dry for 2-3 hours.
BOOK YOUR PATCH TEST TODAY than others.
Tel 05 55 49 48 33 7. Apply a clear coat and allow them to
email inkramental666@gmail.com 4. Once your rocks are painted and dry, dry overnight.
FB: inkramental666
Winter
Hours
Tues-Sat
FRAMING
10h-16h Encadrement d’Art
Siret: 493 623 00016
Lots of NEW HANDMADE GIFTS Picture framers to
La Galerie de Gabriel
now in stock
Handmade Tiles - Jewellery - Candles A large selection of mounts
and moldings including
Freshly Made Hot & Cold Light Meals made to order bespoke
& Homemade Cakes Limousin oak frames
71 Grande rue, Sauzé Vaussais. T. 05 49 07 78 22 1 Rue du 19 Mars 1962
Debbie & David The Lemon Tree T. 06 75 89 95 55 87150 Oradour sur Vayres
Denise Eyre at The Craft Cabin.
Email: denise.eyre@wanadoo.fr Nick Wiggins - 05 87 41 65 78
www.thecraftcabin.webs.com email: nicktesswigg@yahoo.co.uk
10 etceteraPHOTOGRAPHY
COMPETITION
Updated information
A s we’re sure you can imagine, things
are a little bit up in the air at the
moment with regards to the photography
initially midnight on Friday 15th May
2020. If the creation of the calendar can
still go ahead this year, there will no doubt
save the file using your full name and the
season. Entrants must include their full
names, address, telephone number and
competition. Cancer Support France be a date change for closing entries. Again, email address.
Haute-Vienne would still love to celebrate please keep checking for updates, as soon
their 10th anniversary next year by as we know, we’ll let you know. Send entries via email to:
producing another calendar for 2021, but etceteracompetition@gmail.com.
Calendar theme for 2021
due to the unprecedented situation we are The theme for the 2021 Calendar Summary of points to remember
all currently dealing with, it’s too early to Competition is ‘French Life’.
know if this is still going to be possible. ▪ Think French life
Only time will tell. How to enter the competition ▪ The photo must be landscape
Entries must be sent in digital format only orientation (not portrait).
So, as we are all confined to our homes please, which is lucky, as this is all any of ▪ Think about the light and composition.
and gardens, why not use this time to us can do right now!
create a great catalogue of photos ready to Full details of the competition can be
submit? Take advantage of the situation All images (you can enter up to four in found in January’s edition of etcetera
and get outside with nature. total - one for each season) must be the magazine, which you can also view online
original high resolution files, at 300 dpi, at: www.etceteraonline.org
Closing date landscape - 3508 x 2480 pixels. When
The closing date for the competition was emailing or uploading the image, please We will keep you posted with news.
etcetera 11language and advice
Parlez
Français
French conversation, vocabulary
& tradition� with Isabelle
Chez le médecin
En cette période de l’année où les virus sont actifs et où le coronavirus
Isabelle works for CONTINENTAL
COVID-19 se propage dans le monde, beaucoup d’entre vous apprécieront
HORIZONS Language Centre in L’Isle
cet article sur une consultation chez le médecin, au cas où.
Jourdain and teaches French as a foreign
language everyday in their many J’espère que vous allez rester en bonne santé, en restant chez vous.
classrooms. Do not hesitate to contact her
on 05 49 84 17 73. At this time of the year when viruses are active and when the coronavirus
COVID-19 is spreading around the world, many of you will appreciate this
www.continental-horizons.com article on a visit to a doctor’s, just in case.
Keep calm & stay well by staying at home! I hope you are going to stay in good health, by staying at home.
Restez calme et restez en forme en restant à En cette période exceptionnelle, si vous vous sentez malade, appelez au
la maison !
téléphone votre médecin, n’allez pas dans la salle d’attente et n’allez pas à
Bon courage ! Et à bientôt ! l’hôpital ! Si vous avez de réelles difficultés à respirer, appelez le SAMU au
Broaden your horizons with 15 et ils viendront vous chercher pour vous emmener à l'hôpital si nécessaire.
CONTINENTAL HORIZONS! In this exceptional time, if you feel unwell, phone your doctor, do not go to
My usual email address is currently the waiting room and do not go to the hospital. If you have real difficulties
unavailable, contact me via in breathing, call the SAMU (paramedics emergency ambulance)
continentalhorizons@free.fr on telephone number 15 and they will come to pick you up and
bring you to the hospital if necessary.
Isabelle
Pour rappel, les numéros d’urgences en France SAMU (Emergency paramedics). Police / Gendarmerie
sont : (Only if real emergency)
Numéro d’urgence pour tous les services.
Sapeurs-Pompiers (Fire brigade)
Language School
● Assistance with all admin needs Secretarial and Administration Services
● Professional efficient & confidential service Certified Legal Interpreting & Translating
In Champagnac la Rivière (87150) ● Competitive rates with flexible & Coaching
Every Monday & Tuesday friendly support 15 Place d’Armes 86150 L’Isle Jourdain
With Sandrine Durand Tél. 05 49 84 17 73
Remy Hickman-Reed Email: isabelle@continental-horizons.com
05 55 78 16 21 / 06 83 07 66 98 06 37 76 56 51 www.continental-horizons.com
r.sandrine.durand@orange.fr remyhickmanreed@gmail.com
siret 483 146 353 00014
12 etceteralanguage and advice
Voici des questions et des phrases typiques qu’un Here are some typical questions and sentences a doctor
médecin pourrait vous poser et dire, et ce que vous, en could ask you and say, and what you, as a patient, can
tant que patient, pouvez répondre et dire. respond and say.
LE DOCTEUR Have you got difficulties Si vous vous sentez Je me sens faible.
Qu’est-ce qui in breathing? toujours mal dans 5 I feel weak.
vous amène ? Avez-vous mal jours, n’hésitez pas à
What brings me rappeler. Je ne dors pas bien.
au ventre ?
you here? Have you got a If you still feel unwell in 5 I don’t sleep well.
stomach ache? days’ time, do not hesitate to
Comment Je fais des insomnies.
call me back.
allez-vous ? Je vais prendre I have insomnia.
How are you? votre tension. Je vous en prie, je suis là
pour ça. J’ai des vertiges.
Comment vous I am going to take your I have vertigo.
You are welcome, I am here
sentez-vous ? blood pressure.
for that. J’ai la tête qui tourne.
How do you feel? Est-ce que vous dormez My head is spinning.
Qu’est-ce qui ne va pas ? bien la nuit ? LE PATIENT –
What is wrong? Do you sleep well at night? LA PATIENTE J’ai un rhume.
I have a cold.
Vous avez mal où ? Est-ce que vous J’ai mal au +
Where is it painful? êtes stressée ? J’ai le nez qui coule.
Are you stressed? My nose is running.
Vous avez de la fièvre ? J’ai mal à l’ +
Do you have a fever? Est-ce que vous J’ai le nez bouché.
mangez bien ? My nose is blocked.
Je vais vous examiner
Do you eat well?
(ausculter). J’éternue.
J’ai mal à la +
I am going to examine you. Vous allez aux toilettes I’m sneezing
régulièrement ?
Enlevez votre haut, s’il- J’ai de la fièvre.
Do you go regularly to J’ai mal aux +
vous-plaît. I have a fever.
the toilet?
Please remove your top.
Faites-vous de l’exercice J’ai mal à la tête. J’ai de la température.
Merci d’enlever votre
régulièrement ? I have a headache. / I have a temperature.
pull et votre chemise.
Do you exercise regularly? My head hurts.
Please remove your jumper Je tousse.
and shirt. Ne vous en faites pas ! J’ai mal à la gorge. I’m coughing.
Do not worry ! I have a sore throat. / My
Ça fait mal quand J’ai une toux.
j’appuie ? throat hurts.
Je vais vous faire une I have a cough.
Is it painful when I touch / ordonnance (= prescrire J’ai mal au ventre.
press here? des médicaments) I have a stomach ache. Je vomis.
I am going to write I’m vomiting.
Toussez ! J’ai mal au dos.
Cough! a prescription. Je n’ai pas
My back hurts.
Je vais prescrire un beaucoup
Respirez fort par la J’ai de l’asthme.
bouche ! médicament pour I suffer from asthma. d’appétit en ce
Take deep breaths through calmer la douleur. moment.
I am going to prescribe a Je ne me sens pas bien. I don't have much of
your mouth!
medicine to relieve the pain. I don’t feel well. an appetite right now.
Avez-vous mal à
Essayer de vous Je suis très fatigué(e). D’accord. Merci
la gorge ?
reposer et de ne pas I am very tired.
Have you got a sore throat? pour vos conseils,
trop stresser. Je me sens Docteur.
Avez-vous du mal Try to rest and try not to très fatigué(e). OK. Thanks for your
à respirer ? stress too much. I feel very tired. advice, Doctor.
FRENCH
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COMMUNICATION FOR FREE
SERVICES
▪ French Classes
Comprehensive administration, translation Groups - Private tutoring - E-learning
and support services for English-speaking ▪ Translation Services
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Siret 504 587 924 00011
etcetera 13food
Hello from the
accidental
Chatelaine! I'm
honestly not sure
how I find myself
here, living in the
middle of France
in a château. But By
Belind
here I am, a Princ
e
loving to cook at
any opportunity and
delighted to be able to
share that love with
etcetera readers
Chateau Kitchen
www.chateaumareuil.com
Keeping it Simple…
AS THE CORONAVIRUS FORCES PEOPLE TO SHOP LESS AND STAY AT
HOME MORE, HERE ARE SOME SIMPLE YET DELICIOUS RECIPES TO MAKE
WITH BASIC STORE CUPBOARD INGREDIENTS AND LEFTOVERS
Easy Houmous with Homemade Pitta Bread
If you have a tin of chickpeas, you can crudités, toast, crackers or as a on a lightly floured work surface.
make your own houmous – this would sandwich filling! Cover with a cloth. Let the pittas rise
work equally well with other tinned pulses (about 30 mins) until slightly puffy.
This is an easy recipe for pitta bread. Use
or cooked dried ones.
your bread machine to help the dough 3. Preheat oven to 260 C / Gas mark 10.
Houmous Ingredients (serves 6+) rise easily, otherwise - cover and let it Place 2 or 3 pittas on a wire cooling
‐ 1 x 400g can of chickpeas (or rise in a warm place. rack. Place the rack directly on oven
cannellini beans/haricot blancs) rack. Bake them for 4 to 5 minutes
Pitta Ingredients (serves 8)
‐ 4 tblsps tahini or peanut butter until puffed and tops begin to brown.
‐ 60ml water ‐ 250ml (9 fl oz) warm water (45 C) Remove from oven and immediately
‐ 2 cloves of garlic, crushed ‐ 375g (13 oz) plain flour place the pittas in a sealed brown
‐ Juice and rind of 1-2 lemons (to ‐ 1 teaspoon salt paper bag or cover them with a damp
taste) or about 4 tblsps bottled ‐ 1 tablespoon olive oil drying cloth until soft.
lemon juice ‐ 1 1/2 teaspoons caster sugar
4. Once the pittas are softened, either cut
‐ ½ tsp ground cumin/paprika ‐ 1 1/2 teaspoons dried active
in half or split top edge for half or
(optional) baking yeast whole pittas. They can be stored in a
‐ Salt & pepper to season plastic bag in the refrigerator for
Method
‐ Coriander or parsley several days or in the freezer for 1 or
1. Place all ingredients in bread pan of
Method 2 months.
your bread machine, select the Dough
1. Put all ingredients into a food setting and start. When dough has
processor and blend until smooth – risen long enough, machine will beep.
for up to 5 minutes if you want a 2. Turn the dough onto a lightly floured
really smooth result. If you don’t surface. Gently roll and stretch the
have a food processor, you can mix dough into a 25cm (10 in) rope. With a
and mash with a fork. sharp knife, divide the dough into 8
2. Garnish with a drizzle of olive oil, pieces. Roll each into a smooth ball.
some chopped parsley or chilli flakes With a rolling pin, roll each ball into a
or anything you fancy. Serve with 6 to 18cm (3 to 7 in) circle. Set aside
14 etceterafood
Title
Cheese & Onion Tart Rice Hot Pot
Ideal for using up cheeses and leftover cream or crème fraîche. You can add almost any leftovers to this
Check your fridge for any leftover vegetables or meat. tasty dish. Vary the flavourings; you
could make a curry version for instance
and serve with your favourite chutney.
Pastry ingredients (Serves 6) Ingredients (Serves 4)
250g plain flour
125g butter, cold & cubed ‐ 250g long grain or Basmati rice
½ tsp salt (or whatever you have)
‐ 1 onion, chopped
Filling ingredients ‐ 2 cloves garlic, chopped
2 onions, sliced into rings
‐ 500ml stock of your choice
1 tbsp oil
(ideally from a chicken carcass)
2 eggs
‐ Cooked chicken, ham, sliced sausages
Approx 270–300 ml cream and/or crème fraîche/fromage blanc
or other meaty leftovers (fried chorizo
250 g cheese of our choice
would be delicious)
Any leftovers you have in the fridge (broccoli, bacon, herbs…)
‐ Leftover cooked or fresh vegetables
Method ‐ Herbs & spices of your choice
‐ Grated cheese
1. Put the flour, butter and salt into the bowl of the food processor, pulse until the
‐ 1 tbsp oil, a little more if necessary
mixture resembles fine breadcrumbs – add 4 tbsps of cold water and process until it
become a dough. Turn out on to a lightly floured surface, shape into a smooth disc Method
of pastry, wrap and chill for about 30 mins. Pre-heat your oven to 200C/fan.
1. Heat the oil and fry the onion and
2. Roll the pastry out onto a floured surface until large enough to lie a 23 cm loose garlic gently until soft. Add the rice
bottomed flan tin. Line the tin, pushing down well into the corners and carefully and mix well to coat all the grains.
trim off any excess pastry. Bake blind for about 10-15 mins. 2. Add meat, vegetables, herbs, spices of
3. While the pastry is cooking, gently fry the onions in the oil over a medium heat for your choice, seasoning and stir well to
about 10 mins until golden, and then set aside to cool. Beat the eggs and cream mix. Add the stock, stir through once,
together, then season to taste. Chop, grate or crumble the cheese and scatter into bring to the boil, then turn down to
the slightly cooled pastry case, add the onions (and any extra leftovers) and pour in very low. Cover with a lid and leave to
the egg/cream mix. Reduce the oven temperature to 160C/fan and bake for 40 min cook gently for about 15-20 mins, until
A deliciously sweet all the liquid is absorbed. Fluff with a
until set and golden.
springtime dish fork and serve. Scatter with chopped
Delicious with salad for lunch or a light supper or cut into smaller pieces as an apero. herbs, chilli flakes, grated cheese...
le rep s as
RE-OPENING
RE-OPENING
soon10th
Friday as weApril
can!
M. Cochon
PROUDLY PRESENTS PORK
PRODUCTS FROM ITS OWN PIGS
GAMMON, JOINTS & STEAKS,
LAKE SETTING DRY-CURED BACK BACON, HOT WATER
CRUST PORK PIES, PORK PASTIES
BRITISH STYLE SAUSAGES
Plain, Cumberland, Lincoln, pork & leek
Please visit our facebook page for up-to-date information! PL US! The usual pork joints, Pigs in Blankets
AND MORE!
We look forward to seeing you all again for another fantastic season FREE DELIVERY most areas in Charente, Haute-Vienne, Dordogne,
Correze ~ Suppliers to a number of leading restaurants ~
T. 07 69 09 16 03
lerepos maisoncochon@gmail.com
www.mcochon.fr SIRET 848 719 42300016
etcetera 15business
SMALL BUSINESS ADVICE INSURANCE
LINDSEY QUERIAUD 6. Taxe d’Habitation – your income
and family situation are used to ISABELLE
calculate the amount to pay in taxe
d’habitation. This information is WANT
OWNER: CAST collated from the declaration de
T: 05 45 84 14 94 revenus form. If you are a couple and BH ASSURANCES
lindseyqueriaud@outlook.com have fiscal income in 2019 of less than
44125 euros or single and a fiscal
income less than 27706 euros, you
French Income
will not pay taxe d’habitation on your
home. If you don’t complete a tax Tax 2020
11 Good Reasons return, then they will apply the
highest rate of taxe d’habitation.
Why You Should
7. TV Licence – if you do not have a
Compete Your Tax TV, you indicate this on the YES! It’s that time of the year again when
declaration form. If you have a low we start receiving the dreaded income tax
Return in France income and are over 70, you don’t pay form to fill in (from mid-April to mid-
TV licence. If you don’t complete the May)! Some of you thought that the new
declaration, the tax authorities can’t changes with monthly payments taken at
A ll persons living in France must
complete an income tax return. All
income is to be declared even if you have
apply any exemptions. source (prélèvement à la source) would
stop that but no, you still have to fill in a
8. Tax Credits on Home form!
paid tax on it in the UK OR abroad. If you Improvements – If you have made
live in France for six months or more of improvements to your home to make As the forms were not available at the time
the year or your main assets are here or it more energy efficient then you can of writing this article, I have decided to
you have your principal residency here, in certain cases reclaim 30% of the give you a prelude on French income tax. I
you are seen as a French tax resident. You material cost. This is particularly will be explaining who has to fill in a tax
are therefore liable to complete an annual relevant for those persons, who have form, what revenue you have to declare,
self assessment return in France. You just moved over, as this is when you how the double taxation treaty works
must declare all your income, whether are likely to do the majority of between France and UK, plus lots of other
earned in France or abroad or taxable in your renovations. information.
France or abroad. I know that there are some Brits that Next month, when the new forms are
I encourage clients to complete a tax have been living in France for a available, I will explain how to complete
return even if they have been living in number of years that still resist the them in detail.
France for less than 6 months in 2019 for idea of completing a French tax
the following number of reasons: return. I don’t know whether this is 1. Who has to fill in the tax form:
because they think it doesn’t really Basically, everybody who is a French
1. Tax in France is less – Generally resident (lives in France more than 6
matter, but it does.
compared with the amount of income month per year) whether you are
tax paid in the UK, you win here. Also employed, self-employed or retired and
the French tax authorities evaluate Generally compared with the even if you are obliged to pay taxes in
the income for a short period as if it amount of income tax paid the UK!
was a whole year, so you are in a in the UK, you win here.
win/win situation Also, non-French residents who have
rented property in France.
2. Tax residency – it is important to 9. Evaluation of social/financial
define residency as rapidly as If it is your first time, you have to go to the
aid – school/university grants, prime Trésor public office (tax office) and ask for
possible, so that the French tax d’activité, home assistance for elderly
authorities know who you are and the forms, which are available from the
people etc.. Your rights are calculated
your family situation is. first week of May. Or you can download
from your fiscal income. This is
them from the tax office web site.
3. Brexit – The number of years affects collated via your avis d’impots
the lifespan of your Carte de Séjour, The reason we still fill in a form is because
10. Access to loans/credit – unlike in
the only way to prove the number of of tax advantages such as children,
the UK, all access to credit is based on
years is through the presentation of employing a cleaner, etc. If you have
your fiscal income, if you don’t
your avis d’impots. In order to apply children or a spouse earning much less
complete a return and have an avis
for the renewal of Carte de Séjour, you than you it will lower your taxable income
d’impots, which is the calculation of
are required to provide copies of your as you are taxed as a family not an
fiscal income and tax due, you
previous year’s avis d’impots. individual. Adults count as 1 point, the first
can’t borrow.
2 children as ½ point each and the third
4. Tax rebates - if you are taxed here
11. Capital Gains on your French child and so on as 1 point. You then divide
you can reclaim tax paid in the UK on
home – if your home is here, then the total revenue of the family by the
the period 2018/2019 and
you should not pay capital gains on number of points you have, to know what
2019/2020.
that property. The notaire will ask for your taxable income is. Unmarried couples
5. Tax Exemption - You can apply for a copy of your last avis d’impots to (and not PACSed) must fill in a tax form
tax exemption on income not to be define that the property is your home. each!
taxed in the UK. This can be
I hope that this has made you realise the
interesting where for example you 2. When:
importance of your tax return.
have UK rental income, it means that You fill in a tax form one year after,
the whole of your tax allowance can If you have questions or would like a meaning you declare your revenue of 2019
be moved on to this income and meeting for me to help you with your tax (Jan to Dec) in April-May 2020. So, if you
reduce your UK tax bill return, please don’t hesitate to contact me. have officially moved to France before July
16 etceterabusiness
last year (2019), then you fill in your first All they want is the name and address of can show this document to your bank as it
French tax form in April-May 2020 on the bank and the account number. is only available for people with low
which you declare your revenue of 2019. If income. It is the bill of your income tax
The exchange rate for 2019 is 1.14 (that is
you moved to France after July, then you and you receive it in August.
the average of last year). Your local tax
were not a French resident in 2019 (in
office will give you an exchange rate, but 7. www.impots.gouv.fr
France less than 6 months) and therefore,
you don’t have to use it. Use it if it is lower This is the official website of the French
you will have to fill in your first French tax
than 1.14! tax authorities. You can download tax
form in April-May 2021 for your revenue
forms, fill in your tax form online and also
of 2020. If your pension has been directly
set up monthly direct debit for your taxe
transferred in euros to your French bank
Since 1st January 2019, we are now taxed d’ habitation and taxe foncière. You can
account, just add up all the figures.
at source (monthly amount taken from our also adjust your income tax monthly
current account or percentage of salary) 4. What income: payment from your personal account.
and the amount was determined by the tax Pensions (even if they are taxed in the UK
The monthly amount is determined by
paid in 2018. The form we fill in this year like army, police, civil servant), salary,
your income without the tax deduction so
will determine if we have paid the right tax interest on savings (even ISA, which are
some of you probably should not have
in 2019 and the new amount which will be not tax free in France), rental income,
paid. You can go online and change it if
taken monthly from 1st January 2021. If dividends, bonds, etc. Basically, anything
you think you should not be paying as
you paid too much, they will reimburse that has been earning money or making
much or nothing at all. This is often the
you or reduce your monthly payments, if money for you.
case for people who have rental from the
didn’t pay enough they will increase the
5. Double taxation: UK or civil servant pensions.
monthly payments till the end of the year.
There is a treaty between France and the
Note that from 2019, everybody must fill
If you have moved to France in 2019, you UK meaning that you cannot be taxed
in their income tax form online. You
will pay two years of tax: 2019 & 2020. twice.
cannot do this if it is the first time you fill
You will pay a bill for 2019 at the end of
To avoid being taxed twice, you must fill in in a form.
August in one go and have another bill for
this form: United Kingdom/France
2020 which will be taken monthly from 8. Help:
Double Taxation Convention (SI 2009
September to December (the amount of The following dates are all subject to the
Number 226), which you can download
2019 tax bill divided by 4). Then from virus confinement situation. I am
from the internet.
2021, the monthly amount (your 2019 tax scheduled to be at the CLE tax seminar on
divided by 12). You can fill in a form now However, you can only fill in this form the 29th of April, please check their site
to start paying these amounts monthly once you have been taxed in France as you www.clefrance.com for updates.
from now instead of September (form have to put your French tax reference on
Free help for filling the tax form for all my
2043) which you can download from the the form. Indeed, once the form is filled
customers is scheduled be on the 6th of
tax office web site. Only do it if you think in, you take it to the French tax office, who
May all day in Ruffec (not lunch hours!)
you will pay tax. For your information, the stamp it and either send it to Paris, who
and on the 5th of May all day in
tax threshold for 2018 for a couple was send it to the UK or give it back to you to
Chasseneuil sur Bonnieure. Again, this is
28,275€. send yourself to HMRC (it depends on the
all subject to our current confinement
office). Then 6 months later, you get
3. What forms: restrictions.
reimbursed the tax you paid in the UK
2047: This is the pink form on which you
since you arrived in France and stop being Conclusion:
enter your revenue from abroad and you
taxed at source in the UK. It is an obligation! So, if you live in France,
then transfer all those revenues on the
you must fill in a French tax form!
blue form called 2042 (see below). Note that ex civil servants, police and
military are taxed in the UK for their Next month, when the new forms are
2042: The blue form that everyone has to
pension related to that government job. available, I will explain how to fill them in
fill in.
But when they fill in the French tax form, and give you dates and places where I will
2042C Pro: The one to fill in if you are they fill in that pension revenue on a be available for free help so don’t panic
self-employed or if you rent a gîte or special section which gives them a tax yet!
chambre d’hôte. credit equivalent to what the tax would
UPDATE - we have just heard the
have been on it in France.
2042RICI: To declare tax credit like using announcement (1st April) that there will
a cleaner or gardener or doing ecological 6. Avis d’imposition: be an extension on the declaration dates
work on your main residence. This is a very important document not to due to the current pandemic. There will
be lost as it proves you are a French be a one month extension for paper
2044: If your rental income is more than
resident and it also proves your revenue. If versions (12th of June instead of 14th of
15,000€ you need to fill in this form.
you want to get some social help in France May). Just 10 more days for online (4th of
3916: To declare your bank account (CMU, CAF, RSA, etc), you must show June for departments 1 to 19, 8th of June
abroad. Failure to do so could carry a fine them this document. Some ISA savings for departments 20 to 54 and 11th for
of 1500€ per bank account not declared. accounts (LEP) are only available if you departments 55 to 974).
Isabelle Want Mob•: 06 17 30 39 11 / Email•:isabelle.want@bh-assurances.fr
N° Orias 07021727/16005974
22 rue Jean Jaures 102 Avenue de la République
16700 Ruffec 16260 Chasseneuil sur Bonnieure
Tél:+33 (0)5 45 31 01 61 Tél:+33(0)5 45 39 51 47
10 Bd du 8 mai 1945 2 Avenue de la Gare
16110 La Rochefoucauld 16270 Roumazieres-Loubert
Tél:+33 (0)5 45 63 54 31 Tél:+33(0)5 45 71 17 79
etcetera 17business and assistance
Staying Invested During Volatile Times
in China slowed down significantly. hasty decisions. If you cash in your
This influenced vulnerable global investments when the markets have fallen
HELEN markets that are on the brink of a you will have realised the gain whereas if
BOOTH recession such as Germany, Italy you leave them and wait for the markets to
and Spain along with several recover, then the losses will not have
INDEPENDENT FINANCIAL ADVISER emerging markets. happened. It is always wise that you have a
deVere France diversified portfolio over multiple asset
▪ There have been 26 occasions since
classes. This would have buffered your
WWII where the markets have
investment against the negative impact.
undergone a
correction. This is a
In times like this,
G lobal markets have been extremely
volatile over the last few weeks due to
the COVID-19 virus and have reacted
normal occurrence
in the history of
global markets. The
Weathering the initial storm deVere would expect a
requires a resilient portfolio rotation as investors
and personal discipline move to quality
negatively to the slowdown in global trade. MSCI World Index
companies globally
since 1980 shows
Because there is a concern for the that produce good
us that the best strategy is often just
unknown, panic sent stocks markets into dividend returns. Currently many quality
to leave your investment where it is
chaos, with massive drops followed by funds and stocks are now lower in price,
during periods of volatility or crisis.
huge rebounds, day after day. creating an opportunity to buy these assets
▪ Typically, we see drops of around 13% at a lower premium. deVere believe that
It is very difficult to predict the markets in when this happens. quality funds and investments will see
the short-term, but before hasty good rewards, in the medium term.
▪ When a correction like this does
investment decisions are made, you occur, it takes on average, 4 months So now may be a good time to invest as
should always look at the facts in order to to return to their original levels. well whilst the markets are lower, and you
analyse what is happening. Put simply; by
What is the correct course of action to take will get more for your money when the
doing so can give you an edge when it
comes to seizing new opportunities as regarding your investments? markets recover.
prosperity begins to return. First, don’t panic. Weathering the initial Always seek advice from an Independent Financial
Adviser who lives and works in France and
▪ China constitutes between 16-17% of storm requires a resilient portfolio and understands what options are available to you, in
the world’s economy. Because of the personal discipline. Always consult with France. This article should not be construed as
outbreak of the COVID-19 virus, trade your financial adviser before making any providing investment advice.
18 etceterabusiness and assistance
Businesses Love to Be Appreciated Too!
I think it is
fair to say
hats off to all
independent who has gone above and
beyond or is generally a great business to
deal with, do let them know. The smallest
MICALA
WILKINS
small business act of appreciation will put a huge smile
owners and on the face of any business owner whether ALACIM SOCIAL MEDIA MARKETING
independents it is customer to business or business
who have taken to business.
a huge risk and
As a customer, when a business owner
leap of faith to ▪ know that every single
takes time to build a relationship with you,
set up a business customer matters
and goes that extra mile when things go
and survive here By supporting hard-working small
wrong, is easily accessible by phone
in France. Let’s business owners/independents, you as a
and/or you know you will get a reply to
face it it is not easy! A lot of heart and soul customer are helping keep someone's
your email when compared to other much
goes into a setting dream alive and food on the table.
larger organisations that often
up a business,
lack simple customer care If you are reading this please do think
finding clients and
The smallest act of skills. All of this adds up to a about the small business and
managing the many
business owner treasuring independents that you have used and let
bureaucratic appreciation will put a their customers.
hurdles that them know you appreciate them.
huge smile on the face of
manage to manifest any business owner Some things to consider… ‐ Send them a thank you card
just when you think Small businesses
‐ Pick up the phone and let them know
you have got and independents:
it sussed. ‐ Leave positive reviews on Google,
▪ are run by real people not CEOs Facebook or Trip Advisor
Customers don’t get to see the heartache, ▪ have what it takes to show sincere and
the pain, the planning, the issues behind ‐ If you are asked to leave a review by
authentic behaviour a business owner do try to action
the scenes, the administration, the
sacrifices and to be honest, why should ▪ often provide employment the request
they? Customers have their own set of ▪ appreciate the support for keeping ‐ Tell your friends and family
needs to be met. their livelihoods going ‐ Shop with small business
Although. as a customer when you use the ▪ are often the life blood of small owners/independents whenever
services of a small business owner or communities you can
Sandrine TUYERAS
Insurance Agent TONY FARRELL
INTERNATIONAL FINANCIAL ADVISER
All Insurances
N°ORIAS 14001253 The Spectrum IFA Group, with over 20 years’
Finance & Investment experience advising expatriates throughout
Europe on all aspects of financial planning
Email : tuyeras.bellac@allianz.fr T: 05 55 89 57 94
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