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		<title>MEXICO</title>
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		<dc:creator><![CDATA[Jean]]></dc:creator>
		<pubDate>Wed, 01 Dec 2021 08:19:27 +0000</pubDate>
				<category><![CDATA[2021]]></category>
		<category><![CDATA[Bank]]></category>
		<category><![CDATA[carte de sejour]]></category>
		<category><![CDATA[COVID]]></category>
		<category><![CDATA[MEDICAL]]></category>
		<category><![CDATA[METRO]]></category>
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					<description><![CDATA[December 2021 Christmas is around the corner and my office will be open for another two weeks or so before closing for the holidays. I would like to wish you all the usual season’s greetings. Like last year at the same time, we can hope for a better year in 2022 or fear that worse [&#8230;]]]></description>
										<content:encoded><![CDATA[
<h5 class="wp-block-heading"><em>December 2021</em></h5>



<p>Christmas is around the corner and my office will be open for another two weeks or so before closing for the holidays.</p>



<p>I would like to wish you all the usual season’s greetings. Like last year at the same time, we can hope for a better year in 2022 or fear that worse is coming. Many of us are just tired of the never-ending COVID crisis. Nevertheless, I hope that we all can find a way to set aside such worries and I wish you all</p>



<p><strong>A MERRY CHRISTMAS AND A HAPPY NEW YEAR</strong></p>



<p>Perhaps some of you agree with me that 2021 was harsh and unsettling, at best. With the end of the year near, I was hoping to have a glimpse of light soon. May things improve in 2022.</p>



<p>MEXICO<br>Owsley and Charlie, twins of the trade<br>Come to the Poet’s Room<br>Talking about the problems of the leaf<br>And yes, it’ll be back soon<br>There used to be tons of gold and green<br>Comin’ up here from Mexico<br>A donde esta la planta, mi amigo, del sol?&nbsp;<br>But Mexico is under the thumb<br>Of a man we call Richard<br>And he’s come to call himself king<br>But he’s a small-headed man<br>And he doesn’t know a thing<br>About how to deal for you<br>How to deal for you<br>There are millions of you now<br>I mean it’s not as if you were alone<br>There are brothers everywhere<br>Just waiting for a toke on that gold<br>And God knows how far it can go<br>But thanks Uncle Charlie<br>For your Mexican smoke<br>You’re a legend Owsley<br>For your righteous dope<br>There were a half a million people on the lawn<br>And we sang to the faces in the dawn<br>How long must that damn race<br>Wait for the jailer’s time to end?&nbsp;<br>How long must the Panther race<br>Wait for the iron bars to bend?&nbsp;<br>No no no no no nobody waits.</p>



<p>“Mexico” is a single released in May 1970 by Jefferson Airplane, and written and sung by Grace Slick. I have always been a fan of Jefferson Airplane and have used their songs several times. I chose “Mexico” to illustrate something about a country that sounds and represents something really foreign, very different. When I read the lyrics I was reminded how political this band was and how much they pushed a revolutionary agenda. I am sure people who lived through the ’60s and ’70s will have personal memories associated with this song.</p>



<p>After all these years, I continue to be surprised by the large number of people who hold a carte de séjour and manage to renew it by themselves but continue to call it a visa and consider themselves tourists because the category of the card is visiteur. What does it take to feel like an immigrant? What does it take to realize, in their daily life in France, that this is not Kansas anymore and of course not the USA? Crossing the border with Mexico instantly gives one the feeling of entering a different country, where a different language is spoken. What is it about living in Paris that enables Americans to enjoy this slightly exotic atmosphere without changing much in their life? After 24 years in business, this continues to fascinate me.</p>



<p><strong>RIGHT ON THIS SIDE OF THE BORDER, WRONG ON THE OTHER SIDE</strong><br>« Vérité en deçà des Pyrénées, erreur au-delà »</p>



<p><strong>Blaise Pascal</strong>&nbsp;(19 June 1623 – 19 August 1662)<br>French mathematician, physicist, inventor, philosopher, writer and Catholic theologian.</p>



<p>I got a lot of reactions on the topic of having money put in an escrow type of account to secure the rental of a house or an apartment in France. The information that two readers sent me is so valuable that I am sharing it with you.</p>



<p>It is true that the escrow solution comes with significant costs in all possible ways. I might add that this is not the only situation where a foreigner has to weigh the desire to live in France against the cost and sacrifices needed to be able to stay here. I have yet to meet one expat receiving the full expat package – salary paid in the USA, extra compensation for the cost of living in France – who would be willing to lose more than half their compensation to stay in France with a local labor contract. I hear the same kinds of comments about estate taxes and the social charges on all work compensation affecting employees and the self-employed pretty much alike. We should be rational and accept the entire system as one, and go with the saying “France: love it or leave it.” When I immigrated to the USA as a newlywed it was clear to me that living in the USA meant getting used to everything that comes with living in the USA.</p>



<p>At the same time, I understand where the frustration is coming from, as modern life makes it possible to have the best of both sides for a few years.</p>



<p>This discussion, which is a lot more complex than it appears, always takes me back to the first car trip we made in the USA. We were having dinner on a terrace on the main street of Corning, NY. I was enjoying a beer with the meal. My son was about seven years old and asked to taste the beer. This would have been commonly accepted in a similar setting in France. It was absolutely inconceivable in the USA. I still remember his temper tantrum. He could not understand that in the USA it was illegal. Growing up in France and spending my summer vacations in Denmark also led to situations where I was punished for doing the wrong things there.</p>



<p>Moving to a foreign country and being an immigrant means being torn between the old life and the new. Americans immigrating to France are often able to ease the process by delaying some difficult choices. So I am sharing these readers’ messages and valuable advice here.</p>



<p><strong>OWNING FRENCH MUTUAL FUNDS AS AMERICAN CITIZENS&nbsp;</strong><br><strong>1st READER</strong><br>In your answer about a guarantor for renting, you wrote, “Then you invest this money in a mutual fund account with your bank after discussing and reviewing with your banker the financial products most compatible with your needs.”</p>



<p>The problem is that mutual funds are the worst kind of investment for Americans and should absolutely be avoided. The reason is that almost all are what are called Passive Foreign Investment Companies (PFICs) and they consume monstrous time and high costs for an accountant or tax lawyer each year to declare to the IRS. In addition they are taxed heavily.</p>



<p>PFICs are reported using Form 8621, and the IRS estimates the following time requirements for completing that form:<br>Recordkeeping 16 hr., 58 min.&nbsp;<br>Learning about the law or the form 11 hr., 24 min.&nbsp;<br>Preparing and sending the form to the IRS 20 hr., 34 min.&nbsp;<br><a href="https://www.irs.gov/instructions/i8621">https://www.irs.gov/instructions/i8621</a></p>



<p>I am of course not a tax specialist, but the reason seems to be that with French mutual funds you declare a gain or loss upon its sale, whereas in the US the dividends and capital gains of the components over the course of each year generate a payment to the holder of the fund, on which tax is paid annually. (This is usually reinvested and becomes part of the base cost, so you are not double-taxed when selling.) My understanding is essentially that Form 8621 wants to know what went on inside that fund all year.</p>



<p><strong>2nd READER</strong><br>Just a small item to point out in this excellent newsletter. … you should be careful recommending European bank products to US citizens, because they cannot buy them without huge US tax implications. The banks try to sell these products all the time, and they do not know US tax law. These products are known as PFICs and have drastic tax consequences to US taxpayers. Also, I believe there are now insurance companies which do this much better, such as&nbsp;<a href="https://www.garantme.fr/fr">https://www.garantme.fr/fr</a></p>



<p>BTW, the issues involving Americans are getting more and more complex; now that the banks are actually turning their American clients in (FATCA), the challenges have become increasing complicated.</p>



<p>&#8212;&#8211;</p>



<p>I am fully aware of the complications involved in opening and managing a French bank account, especially if the American citizen holds financial investments, even when these are French mutual funds invested in French instruments.</p>



<p>I explained the consequences of choices made by Americans as they decided to immigrate to France and settle for good. If you want a secure, long-term lease, you need a guarantor. To avoid this they can choose a less secure lease. The new insurance set-up will drastically change the situation. None of my clients has used this policy, so I do not know if the market (agencies and private owners) accepts this kind of insurance products. Also, I do not know how reliable the service is when it is asked to deliver the guaranty purchased from it. Everything is ready for the private sector to come up with the right solution, as there is clearly a valuable service to offer since I am sure neither French rental law nor IRS regulations will change any time soon.</p>



<p><strong>A READER’S EXPERIENCE OBTAINING THE FRENCH HEALTH PASS</strong><br>Another of my readers writes the following:</p>



<p>I read your periodic emails regularly and appreciate all the information contained in them. I was happy to see the reference in your current commentary on obtaining a passe-sanitaire if you were vaccinated outside France, as I and my wife were in February 2021. This summer, in anticipation of my November-December stay in Paris (I arrived yesterday!) I knew I should get started on mine.</p>



<p>I began the process of obtaining a passe, which documents the conversion of my Center for Disease Control (CDC) Vaccination Record Card into a Certificat Covid Numérique UE with accompanying QR code, on September 1, 2021, by submitting the application online, along with the three PDFs needed for the application (my CDC card, my passport and my airline itinerary). I received my passe and QR code on September 21, after a processing time of 20 days.</p>



<p>Once I was familiar with the process, it was easier to submit my wife’s application on September 23; she received her passe-sanitaire on, I believe, October 21. The processing time had expanded to 28 days by then.</p>



<p>My nieces, visiting us in Paris during the third week of November, submitted their applications on September 26 and I believe they’re still waiting for their passes after 36 days. In other words, the processing time has expanded a lot over the past two months. I advise anyone who is planning a trip to France to apply ASAP for their passe-sanitaire. It was not a particularly difficult application, especially if scanning and PDF usage is within your ken. But the expanding delay concerns me.</p>



<p>And by the way, my passe-sanitaire QR code works perfectly! I used it twice today and no problems. Well done, Ministère des Solidarités et de la Santé!</p>



<p>Christmas is around the corner and my office will be open for another two weeks or so before closing for the holidays.</p>



<p>I would like to wish you all the usual season’s greetings. Like last year at the same time, we can hope for a better year in 2022 or fear that worse is coming. Many of us are just tired of the never-ending COVID crisis. Nevertheless, I hope that we all can find a way to set aside such worries and I wish you all</p>



<p><strong>A MERRY CHRISTMAS AND A HAPPY NEW YEAR</strong></p>



<p>Perhaps some of you agree with me that 2021 was harsh and unsettling, at best. With the end of the year near, I was hoping to have a glimpse of light soon. May things improve in 2022.</p>



<p>MEXICO<br>Owsley and Charlie, twins of the trade<br>Come to the Poet’s Room<br>Talking about the problems of the leaf<br>And yes, it’ll be back soon<br>There used to be tons of gold and green<br>Comin’ up here from Mexico<br>A donde esta la planta, mi amigo, del sol?&nbsp;<br>But Mexico is under the thumb<br>Of a man we call Richard<br>And he’s come to call himself king<br>But he’s a small-headed man<br>And he doesn’t know a thing<br>About how to deal for you<br>How to deal for you<br>There are millions of you now<br>I mean it’s not as if you were alone<br>There are brothers everywhere<br>Just waiting for a toke on that gold<br>And God knows how far it can go<br>But thanks Uncle Charlie<br>For your Mexican smoke<br>You’re a legend Owsley<br>For your righteous dope<br>There were a half a million people on the lawn<br>And we sang to the faces in the dawn<br>How long must that damn race<br>Wait for the jailer’s time to end?&nbsp;<br>How long must the Panther race<br>Wait for the iron bars to bend?&nbsp;<br>No no no no no nobody waits.</p>



<p>“Mexico” is a single released in May 1970 by Jefferson Airplane, and written and sung by Grace Slick. I have always been a fan of Jefferson Airplane and have used their songs several times. I chose “Mexico” to illustrate something about a country that sounds and represents something really foreign, very different. When I read the lyrics I was reminded how political this band was and how much they pushed a revolutionary agenda. I am sure people who lived through the ’60s and ’70s will have personal memories associated with this song.</p>



<p>After all these years, I continue to be surprised by the large number of people who hold a carte de séjour and manage to renew it by themselves but continue to call it a visa and consider themselves tourists because the category of the card is visiteur. What does it take to feel like an immigrant? What does it take to realize, in their daily life in France, that this is not Kansas anymore and of course not the USA? Crossing the border with Mexico instantly gives one the feeling of entering a different country, where a different language is spoken. What is it about living in Paris that enables Americans to enjoy this slightly exotic atmosphere without changing much in their life? After 24 years in business, this continues to fascinate me.</p>



<p><strong><span style="color:#5182FF" class="color">RIGHT ON THIS SIDE OF THE BORDER, WRONG ON THE OTHER SIDE</span></strong><br>« Vérité en deçà des Pyrénées, erreur au-delà »</p>



<p><strong>Blaise Pascal</strong>&nbsp;(19 June 1623 – 19 August 1662)<br>French mathematician, physicist, inventor, philosopher, writer and Catholic theologian.</p>



<p>I got a lot of reactions on the topic of having money put in an escrow type of account to secure the rental of a house or an apartment in France. The information that two readers sent me is so valuable that I am sharing it with you.</p>



<p>It is true that the escrow solution comes with significant costs in all possible ways. I might add that this is not the only situation where a foreigner has to weigh the desire to live in France against the cost and sacrifices needed to be able to stay here. I have yet to meet one expat receiving the full expat package – salary paid in the USA, extra compensation for the cost of living in France – who would be willing to lose more than half their compensation to stay in France with a local labor contract. I hear the same kinds of comments about estate taxes and the social charges on all work compensation affecting employees and the self-employed pretty much alike. We should be rational and accept the entire system as one, and go with the saying “France: love it or leave it.” When I immigrated to the USA as a newlywed it was clear to me that living in the USA meant getting used to everything that comes with living in the USA.</p>



<p>At the same time, I understand where the frustration is coming from, as modern life makes it possible to have the best of both sides for a few years.</p>



<p>This discussion, which is a lot more complex than it appears, always takes me back to the first car trip we made in the USA. We were having dinner on a terrace on the main street of Corning, NY. I was enjoying a beer with the meal. My son was about seven years old and asked to taste the beer. This would have been commonly accepted in a similar setting in France. It was absolutely inconceivable in the USA. I still remember his temper tantrum. He could not understand that in the USA it was illegal. Growing up in France and spending my summer vacations in Denmark also led to situations where I was punished for doing the wrong things there.</p>



<p>Moving to a foreign country and being an immigrant means being torn between the old life and the new. Americans immigrating to France are often able to ease the process by delaying some difficult choices. So I am sharing these readers’ messages and valuable advice here.</p>



<p><strong><span style="color:#5182FF" class="color">OWNING FRENCH MUTUAL FUNDS AS AMERICAN CITIZENS&nbsp;</span></strong><br><strong>1st READER</strong><br>In your answer about a guarantor for renting, you wrote, “Then you invest this money in a mutual fund account with your bank after discussing and reviewing with your banker the financial products most compatible with your needs.”</p>



<p>The problem is that mutual funds are the worst kind of investment for Americans and should absolutely be avoided. The reason is that almost all are what are called Passive Foreign Investment Companies (PFICs) and they consume monstrous time and high costs for an accountant or tax lawyer each year to declare to the IRS. In addition they are taxed heavily.</p>



<p>PFICs are reported using Form 8621, and the IRS estimates the following time requirements for completing that form:<br>Recordkeeping 16 hr., 58 min.&nbsp;<br>Learning about the law or the form 11 hr., 24 min.&nbsp;<br>Preparing and sending the form to the IRS 20 hr., 34 min.&nbsp;<br><a href="https://www.irs.gov/instructions/i8621">https://www.irs.gov/instructions/i8621</a></p>



<p>I am of course not a tax specialist, but the reason seems to be that with French mutual funds you declare a gain or loss upon its sale, whereas in the US the dividends and capital gains of the components over the course of each year generate a payment to the holder of the fund, on which tax is paid annually. (This is usually reinvested and becomes part of the base cost, so you are not double-taxed when selling.) My understanding is essentially that Form 8621 wants to know what went on inside that fund all year.</p>



<p><strong>2nd READER</strong><br>Just a small item to point out in this excellent newsletter. … you should be careful recommending European bank products to US citizens, because they cannot buy them without huge US tax implications. The banks try to sell these products all the time, and they do not know US tax law. These products are known as PFICs and have drastic tax consequences to US taxpayers. Also, I believe there are now insurance companies which do this much better, such as&nbsp;<a href="https://www.garantme.fr/fr">https://www.garantme.fr/fr</a></p>



<p>BTW, the issues involving Americans are getting more and more complex; now that the banks are actually turning their American clients in (FATCA), the challenges have become increasing complicated.</p>



<p>&#8212;&#8211;</p>



<p>I am fully aware of the complications involved in opening and managing a French bank account, especially if the American citizen holds financial investments, even when these are French mutual funds invested in French instruments.</p>



<p>I explained the consequences of choices made by Americans as they decided to immigrate to France and settle for good. If you want a secure, long-term lease, you need a guarantor. To avoid this they can choose a less secure lease. The new insurance set-up will drastically change the situation. None of my clients has used this policy, so I do not know if the market (agencies and private owners) accepts this kind of insurance products. Also, I do not know how reliable the service is when it is asked to deliver the guaranty purchased from it. Everything is ready for the private sector to come up with the right solution, as there is clearly a valuable service to offer since I am sure neither French rental law nor IRS regulations will change any time soon.</p>



<p><strong><span style="color:#5182FF" class="color">A READER’S EXPERIENCE OBTAINING THE FRENCH HEALTH PASS</span></strong><br>Another of my readers writes the following:</p>



<p>I read your periodic emails regularly and appreciate all the information contained in them. I was happy to see the reference in your current commentary on obtaining a passe-sanitaire if you were vaccinated outside France, as I and my wife were in February 2021. This summer, in anticipation of my November-December stay in Paris (I arrived yesterday!) I knew I should get started on mine.</p>



<p>I began the process of obtaining a passe, which documents the conversion of my Center for Disease Control (CDC) Vaccination Record Card into a Certificat Covid Numérique UE with accompanying QR code, on September 1, 2021, by submitting the application online, along with the three PDFs needed for the application (my CDC card, my passport and my airline itinerary). I received my passe and QR code on September 21, after a processing time of 20 days.</p>



<p>Once I was familiar with the process, it was easier to submit my wife’s application on September 23; she received her passe-sanitaire on, I believe, October 21. The processing time had expanded to 28 days by then.</p>



<p>My nieces, visiting us in Paris during the third week of November, submitted their applications on September 26 and I believe they’re still waiting for their passes after 36 days. In other words, the processing time has expanded a lot over the past two months. I advise anyone who is planning a trip to France to apply ASAP for their passe-sanitaire. It was not a particularly difficult application, especially if scanning and PDF usage is within your ken. But the expanding delay concerns me.</p>



<p>And by the way, my passe-sanitaire QR code works perfectly! I used it twice today and no problems. Well done, Ministère des Solidarités et de la Santé!</p>



<p><strong><span style="color:#5182FF" class="color">THE CARNET OF METRO TICKETS WILL SOON NO LONGER EXIST&nbsp;</span></strong><br>The very first line of the Parisian metro was inaugurated on July 19th 1900, which is also the birthday of the metro ticket. Shortly thereafter, a new job was created: the ticket puncher, or poinçonneur du métro parisien, a man who made a hole in the ticket to allow travelers to get on the metro cars. He sat at the bottom of the stairs and people lined up on the stairs to have their tickets punched.</p>



<p>The most iconic tribute to this profession was the song “Le Poinçonneur des Lilas” by Serge Gainsbourg, released in September 1958.</p>



<figure class="wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-4-3 wp-has-aspect-ratio"><div class="wp-block-embed__wrapper">
<p class="responsive-video-wrap clr"><iframe title="Serge Gainsbourg &quot;Le poinçonneur des Lilas&quot; (live officiel) | Archive INA" width="1200" height="900" src="https://www.youtube.com/embed/25EzXPQUWRc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></p>
</div></figure>



<p>In October 2021, the RATP began phasing out the classic carnet (book, or actually bunch) of 10 magnetized metro tickets and will eventually almost eliminate these bits of cardboard with the brown strip down the back. They have existed for 121 years of travel between more than 300 metro and RER stations in the Ile-de-France region.</p>



<p>The goal is to stop selling even individual tickets by 2025. In their place are digital alternatives, supposed to be more advantageous and practical, according to the RATP. Here are three things to know about the end of the metro, bus and RER ticket, which was initiated in 2016 and given final approval last April by Ile-de-France Mobilités.</p>



<p>1. Total disappearance of carnets by March 2022<br>Ile de France Mobilités has decided to make this transition gradually. The ticket machines of 106 small RER and metro stations stopped selling 10-ticket batches in October. It is still possible to buy them at the guichet (ticket office). In January, 176 additional stations will stop carnet sales, whether at the ticket office or via the machines.</p>



<p>By the end of December, carnets and even single named origin-destination tickets will no longer be available at RATP-approved merchants such as tobacconists. And in March 2022, the sale of ticket books will end for good in all metro and RER stations. The single paper ticket, at 1.90€, will continue to be sold at ticket counters. And it will still be possible to validate the individual cardboard “t +” tickets at the entrance to stations until 2025, according to the RATP.</p>



<p>2. One in ten tickets are wasted, on average<br>Each year, nearly 5 million tickets are demagnetized by proximity to keys or coins, the RATP points out in its effort to steer travelers toward a digital solution. The network estimates that one ticket in ten, on average, ends up not used because lost, damaged or forgotten. The RATP reckons it is more useful to group tickets together in one place on a pass or telephone.</p>



<p>3. Navigo “à la carte” pass and purchase via smartphone<br>In the spirit of gradual transition, in 2019 the RATP started selling “Navigo à la carte”, a rechargeable pass costing 2€ that allows the purchase of up to 30 entries to the system. Smartphone purchases are also available. These were rolled out initially only on Samsung phones but should now be available on all newer Android phones, with certain services available on iPhones and all of them being extended to newer model smartphones eventually.</p>



<p>Finally, for the bus, users can buy a single ticket for 2€ by SMS. Even with so many digital alternatives, the network still has to convince a lot of RATP users, many of whom still buy one-off cardboard tickets.</p>



<p><strong><span style="color:#5182FF" class="color">MY BUSINESS HAS A NEW FACEBOOK PAGE</span></strong><br>Over the holidays, my assistant, Sarah, took an interesting initiative and created a new Facebook page. It is a good move for her since she and I both moderate it. She can show off her expertise and her ability to give good advice and clearly explain solutions. She does this in French, leaving the queries in English to me.</p>



<p>Since I am already active in a few Facebook groups and my website is my main showcase, I did not feel I needed such a page. On the other hand, it will no doubt benefit her. I do not have the time to monitor this forum and so far, it has been fairly quiet. Sarah is still figuring out how to handle this new task, being quite busy herself. I am sure it will be a great space for exchanges and hope it will pick up soon.</p>



<p>You are welcome to join:<br><a href="https://www.facebook.com/rattachement">https://www.facebook.com/rattachement</a></p>



<p><strong><span style="color:#5182FF" class="color">OFFICE CLOSED FOR CHRISTMAS</span></strong><br>The office will close for three weeks over the Christmas holidays, starting on Friday December 17th in the evening and reopening on the morning of Monday January 3rd. As always, I will be reachable by email for emergencies and important matters. The service I offer of receiving mail for clients will continue while the office is closed. Of course, Sarah or I will honor prefecture meetings already scheduled, as well as a couple of other engagements.</p>



<p>I would like to remind everyone that there is no January issue.</p>



<p>Best regards,</p>



<div id="kt-info-box_92907f-9c" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-left kt-info-halign-left kb-info-box-vertical-media-align-top"><div class="kt-blocks-info-box-media-container"><div class="kt-blocks-info-box-media kt-info-media-animate-none"><div class="kadence-info-box-image-inner-intrisic-container"><div class="kadence-info-box-image-intrisic kt-info-animate-none"><div class="kadence-info-box-image-inner-intrisic"><img decoding="async" src="https://www.jeantaquet.com/wp-content/uploads/2022/08/JeanTaquet-2.gif" alt="" width="147" height="132" class="kt-info-box-image wp-image-1932"/></div></div></div></div></div><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title"></h2><p class="kt-blocks-info-box-text"></p></div></a></div>



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<div id="kt-info-box_9ee5fb-4e" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-blocks-info-box-media-container"><div class="kt-blocks-info-box-media kt-info-media-animate-none"><div class="kadence-info-box-image-inner-intrisic-container"><div class="kadence-info-box-image-intrisic kt-info-animate-none"><div class="kadence-info-box-image-inner-intrisic"><img decoding="async" src="https://www.jeantaquet.com/wp-content/uploads/2022/08/qetA-01-300x153-1.png" alt="" width="300" height="153" class="kt-info-box-image wp-image-1870"/></div></div></div></div></div><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">QUESTION<br/><br/><em>FRENCH BANK CLOSES AN AMERICAN’S ACCOUNT</em><br/></h2><p class="kt-blocks-info-box-text"><em>I’m writing to ask what you might know about French banks getting rid of American clients. My French bank is Milleis, before it was Barclays, and suddenly I received a letter saying I had 60 days to find a new bank. I called and found out that they are closing American-held bank accounts. I spoke with a friend and she said the same thing is happening with her at her bank.</em><br/><em>After numerous phone calls and letters and emails, I finally spoke with someone who agreed to keep my account open until the end of the year. My Visa card was to expire at the end of September and she said that I would receive a new one before the end of the month. I did not.</em><br/><em>My online account was blocked. I just spoke with someone who saw the note that my account is to remain open until the end of the year and she unblocked my account, but I have no access even to see the balance in my account. I have access to 6 months’ worth of monthly statements, but no access to the activity in my account or, as I have said, the balance.</em><br/><em>Have you heard anything about this happening to anyone else?</em></p></div></a></div>



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<div id="kt-info-box_471bf9-bd" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">ANSWER<br/><br/></h2><p class="kt-blocks-info-box-text">Yes, sadly, this is happening to many Americans living in France and other European countries. It is rather common for Americans and is often the consequence of the US procedure called FATCA. It puts so much liability on non-American banks that they would rather lose a client than put up with it.<br/>The two so-called Anglo-Saxon banks, Milleis and HSBC, have become pretty much the most problematic banks for American clients. Traditional French banks are often more lenient with Americans and accept them as clients.<br/>French legislation puts a lot of liability on the bank manager. The process of opening an account can thus seem inquisitorial and very lengthy, with several interviews and a staggering number of documents to provide. Once you have an account, however, you should not be faced with the same problems. Furthermore, a recent regulation puts the responsibility of closing your old account on the new bank. So you need to do some fast bank shopping to get a new one.<br/>Nevertheless, it is still not very easy to open a new account. Being introduced by a friend who is a client of the bank can be a huge help.<br/>Now at least you know what has happened and you understand what you are up against. You need to convince them that there will never be any trouble with you and therefore you are a client worth keeping. The French bank wants proof that you are reliable, understand what you are doing, will inform them ahead of time of changes in your situation, and so on.<br/>Keeping a lot of money in the bank and wiring large sums of money is NOT the way to reassure a French banker. Predictability and repeating patterns are what the French bank is looking for. Hence there are fewer problems and smaller consequences if your account is negative for a few days, even every month, versus having to explain large wire transfers to your account that you have trouble explaining. This can quickly end up being criminally investigated as presumed money laundering – something American clients have a hard time understanding.<br/>If you want to keep your French bank account open, inform your banker ahead of time of anything out of the norm. A wire transfer exceeding 10,000€ is assumed to be suspicious. Informing the banker of what you wish to establish as a pattern is the ideal way to smooth the way beforehand.</p></div></a></div>



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<div id="kt-info-box_5877a9-34" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-blocks-info-box-media-container"><div class="kt-blocks-info-box-media kt-info-media-animate-none"><div class="kadence-info-box-image-inner-intrisic-container"><div class="kadence-info-box-image-intrisic kt-info-animate-none"><div class="kadence-info-box-image-inner-intrisic"><img decoding="async" src="https://www.jeantaquet.com/wp-content/uploads/2022/08/qetA-01-300x153-1.png" alt="" width="300" height="153" class="kt-info-box-image wp-image-1870"/></div></div></div></div></div><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">QUESTION<br/><br/><em>AT THE PREFECTURE, EMPLOYEE AND SELF-EMPLOYED PROCEDURES ARE NEVER COMPATIBLE</em><br/><br/></h2><p class="kt-blocks-info-box-text"><em>I came to Paris in 2015 on a titre de séjour étudiant and completed my studies in 2019. At that time, I converted to a Recherche d’emploi/Création d’entreprise carte de séjour, which lasted one year and was not renewable and expired in November 2020.</em><br/><em>Back against the wall, as I never got a job offer, I made a “plan B” appointment at the prefecture to change my status to entrepreneur/profession libérale. I had a business plan and I had registered with URSSAF as an auto-entrepreneur. The prefecture granted me one carte de séjour; I am still in shock that my request was approved.</em><br/><em>At first, I did not make enough to pay rent. I withdrew money from my American accounts to support myself here while I looked for work. They wanted to see that I made at least the SMIC for the year in an account in France, so a girlfriend of mine got me a good waitress job that paid twice the SMIC.</em><br/><em>A few days ago I was at the prefecture showing all the work I did. I saw an unhelpful woman at the guichet who told me to write in “Salarié” on the form, indicating my change of carte de séjour. I am concerned that this will interrupt my ability to do my freelance work. I wanted to add salarié, like my French boyfriend has done. I learned the other day that my future employer has since gone online to submit the 8-step form.</em><br/><em>I have been in France for six years now, got my master’s here and have now, finally, found an employer. I want to work as an employee and I would like to have my business helping anglophones relocate here to Paris at the same time.</em><br/><em>I am looking for any feedback, good or bad, about being able to keep both statuses.</em></p></div></a></div>



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<p>There are a lot of errors here, so I would like to address the issues you have raised chronologically.</p>



<p><strong>1 &#8211; Obtaining the<em>&nbsp;profession libérale carte de séjour</em></strong><br>Often creating a small consulting business is not the first choice but it ends up being the last resort in order to be able to stay legally in France. I understand that, but even if setting up a business is done at the last minute, the project must be strong so that there is some real desire shown to make it work, a clientele identified, a fee policy that is compatible with what you do, and so on. As I say to everybody, the real test is the meeting at the prefecture a year later when the applicant has to show some serious receivables!</p>



<p>If the business is not generating 23,000€ in sales, the issuance of a four-year<em>&nbsp;carte de séjour&nbsp;</em>is a compromise. If it is less than 15,000€, it is getting dangerous, as the formula to calculate the profit is 66% of sales, i.e. 9,900€ of taxable profit, already far below the minimum wage, which is now 15,096€ since the October 2021 increase. During the first year, therefore, you must give your business its best possible shot. If your sales are too low, but you can prove dedication, strong will and probably visible growth over several months, the prefecture might give you the benefit of the doubt again because you deserve it.</p>



<p>I understand how difficult it is to launch a business in France and how demoralizing it can be to see it not going anywhere, but giving up and becoming a waitress is never a solution.</p>



<p><strong>2 &#8211; Being an employee and holding a self-employed<em>&nbsp;carte de séjour&nbsp;</em>are totally mutually exclusive.</strong><br>I wish I could get you to realize how incredibly lucky you were at the prefecture. The normal procedure, when a file has documents showing an employee status for the appointment that is supposed to be for renewing self-employed status, is that the civil servant looks at your file, sees the two sets of documents and terminates the meeting, telling you that you will get an answer in the mail. But the letter is the OQTF, which stands for Obligation de Quitter le Territoire Français. It strips of your legal right to live in France.</p>



<p>From what you describe, the woman you saw helped you beyond belief. Your file is going to be studied as a request to get rid of your self-employed status and therefore a request for an employee’s or<em>salarié carte de séjour.&nbsp;</em>The generosity went even beyond that. Your employer must submit a specific request on a particular platform for you to obtain the right to work and the prefecture must have informed your employer that this procedure was needed to give you this chance. This is the platform:&nbsp;<a href="https://ymlpcl1.net/37b01yqyalaewmjbaoaweqaxajsew/click.php" target="_blank" rel="noreferrer noopener">https://administration-etrangers-en-france.interieur.gouv.fr/particuliers/#</a></p>



<p><strong>3 &#8211; What are your chances of getting the right to work?</strong><br>There are two situations that make it possible to block the veto right that the French administration has on all standard profiles. The first is to hold a French master’s degree and have a salary equivalent to 1.5 times the minimum wage, i.e., a monthly gross of 2,384€, and the position must be in line with the diploma. Clearly, this is not your case. The second situation deals with the French administration’s list of jobs for which recruiting is really difficult. Because of that, hiring a foreigner for whom the right to work as an employee is needed is not blocked. Such jobs are called<em>&nbsp;les métiers en tension.&nbsp;</em>For the Paris region the list can be found here:<br><a href="https://ymlpcl1.net/8880fyysalaewmjbadaweqacajsew/click.php" target="_blank" rel="noreferrer noopener">https://www.legifrance.gouv.fr/jorf/id/JORFTEXT000017937372</a></p>



<p>I checked and employment as a waitress is not mentioned in this list. Hence you are now facing the administration’s veto right. Furthermore, I assume that your employer did not reflect much on the situation. The specifics of why you were hired might not have been put forward, explaining why you have a small edge over all other waitresses. You have been very lucky thus far, but I would not count on getting this authorization. Without it, you will not get the related<em>&nbsp;carte de séjour</em>.</p>



<p><strong>4 &#8211; What choice is left?</strong><br>a &#8211; I assume you have not closed your own business. If so, you can ask for renewal of your existing, self-employed<em>&nbsp;carte de séjour.&nbsp;</em>This would not be according to the book, but you need to be ready for that argument. You need to prove you are making money as an independent. You explain that you had a very rough start but that now you can count on a solid clientele. How believable will this presentation be? I do not know, but it is worth looking at, and seeing how plausible such a request would be.</p>



<p>b &#8211; You mentioned a French boyfriend. Can you to be ready to submit a request for a private life<em>&nbsp;(vie privée et familiale) carte de séjour?&nbsp;</em>This is possible if you can prove that you have lived together for at least a year or have a PACS. If possible, you should quickly start using the same address as your partner, if you do not already. This is to put together a rock-solid Plan B. Always keep in mind that in such a situation, time is on your side and the more seniority you have, the stronger your case will be. This is especially true if you appeal a negative decision by the prefecture. The appeal might not have any merit and might just buy you time, but time is exactly what you need. The legal grounds for<em>&nbsp;vie privée&nbsp;</em>status are completely different, as they concern his and therefore your personal and romantic life. Proving several months of cohabitation and the initial steps toward getting a PACS at the<em>&nbsp;mairie&nbsp;</em>can avert an outright refusal and therefore block the issuance of an OQTF or confirmation of an existing one. The legal ground of this immigration starts with the need to protect his private life. Since you are in his private life and you must be in France in order for him to have a private life, it blocks a prefecture decision which would be a complete refusal of any right for you to stay in France.</p>



<p>In short, you have a decision to make and very little time to make sure it will work.</p>
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		<title>CLOUDY</title>
		<link>https://www.jeantaquet.com/cloudy/</link>
		
		<dc:creator><![CDATA[Jean]]></dc:creator>
		<pubDate>Mon, 01 Nov 2021 08:44:56 +0000</pubDate>
				<category><![CDATA[2021]]></category>
		<category><![CDATA[Bank]]></category>
		<category><![CDATA[carte de sejour]]></category>
		<category><![CDATA[COVID]]></category>
		<category><![CDATA[MEDICAL]]></category>
		<category><![CDATA[METRO]]></category>
		<guid isPermaLink="false">https://www.jeantaquet.com/?p=2132</guid>

					<description><![CDATA[November 2021 CloudyThe sky is gray and white and cloudySometimes I think it&#8217;s hanging down on meAnd it&#8217;s a hitchhike a hundred milesI&#8217;m a rag-a-muffin childPointed finger-painted smileI left my shadow waiting down the road for me a whileCloudyMy thoughts are scattered and they&#8217;re cloudyThey have no borders, no boundariesThey echo and they swellFrom Tolstoy [&#8230;]]]></description>
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<h5 class="wp-block-heading"><em>November 2021</em></h5>



<p><strong>Cloudy</strong><br>The sky is gray and white and cloudy<br>Sometimes I think it&#8217;s hanging down on me<br>And it&#8217;s a hitchhike a hundred miles<br>I&#8217;m a rag-a-muffin child<br>Pointed finger-painted smile<br>I left my shadow waiting down the road for me a while<br>Cloudy<br>My thoughts are scattered and they&#8217;re cloudy<br>They have no borders, no boundaries<br>They echo and they swell<br>From Tolstoy to Tinker Bell<br>Down from Berkeley to Carmel<br>Got some pictures in my pocket and a lot of time to kill<br>Hey sunshine<br>I haven&#8217;t seen you in a long time<br>Why don&#8217;t you show your face and bend my mind?&nbsp;<br>These clouds stick to the sky<br>Like a floating question, why?&nbsp;<br>And they linger there to die<br>They don&#8217;t know where they are going<br>And, my friend, neither do I<br>Cloudy<br>Cloudy<br>Cloudy<br>Cloudy<br>Cloudy.</p>



<p>“Cloudy” is the third track of<em>&nbsp;Parsley, Sage, Rosemary and Thyme,&nbsp;</em>the third studio album by Simon &amp; Garfunkel, released on October 24th 1966.</p>



<p>Choosing such a title for a November issue while living in Paris is virtually a given. The weather here is cloudy nearly every day, and will be for months to come. Cloudy vision can mean an absence of clarity about what is going to happen. I believe the future of the USA and France can be seen as cloudy. Once again we are entering an era of uncertainty at the domestic level. Election campaigns have pretty much started in both countries, with high stakes and a lot of uncertainty. In France, almost all political commentators talk about labor and social unrest while President Macron pushes his agenda in hopes of being reelected on a track record of successes. He will certainly emphasize what he considers his success in fighting the COVID pandemic. Many think the majority of the French disapprove of his overall policies, and his record may not help him win the April presidential elections.</p>



<p>A total of 469 seats in the US Congress (34 Senate seats and all 435 House seats) are up for grabs on November 8th 2022. That is a year from now, but the elections are on many people’s minds now when it comes to votes on bills. To many, the next several months in the USA look cloudy. Is the country entering a major crisis, as both sides of aisle repeatedly claim? Each side looks at its own agenda and what should happen to fix the problems it sees, and how urgent it is to implement its policies.</p>



<p>I continue to deal with cloudy weather when I ride my bicycle, donning a poncho when it rains too much. After so many months of uncertainty and last-minute changes of policy, usually related to the pandemic, I believe we are getting used to uncertainty and making the best of things in our daily lives.</p>



<p><span style="color:#5182FF" class="color"><strong>NEW RHYTHM OF WORK</strong>&nbsp;</span><br>After two months of my new appointment policy, I finally have enough breathing space to better manage my email. Messages are almost always answered within five days. This still is not great, and I plan to improve it further. But I have a calmer life, which was absolutely needed. My next achievement should be starting to draft my column in mid-month to avoid the final week’s panic attack in the rush to get everything done. As I have often said, the pleasure of writing such a column is to craft it. This requires having time to get back to it a few times until it feels smooth and easy to read.</p>



<p><span style="color:#5182FF" class="color"><strong>THE FRENCH PRESIDENTIAL ELECTION AND THE HEALTH PASS REGULATION</strong>&nbsp;</span><br>The first round of the 2022 French presidential election will be on April 10th 2022, with the runoff between the top two candidates on April 24th. Meanwhile, the regulation allowing the government to require the use of the health pass<em>&nbsp;(passe sanitaire)&nbsp;</em>could be extended to July 31st 2022. The government has emphasized that the regulation only offers the possibility of extending the requirement; it is far from certain that it will be needed so long. As in the USA, pressure is mounting for more and more people to be vaccinated and some people are losing their jobs for refusing.</p>



<p>The French administration has also established a procedure for issuing the health pass to people who were vaccinated outside France. Many of those affected complain that the procedure is too long and complicated. First you have to create an account on the&nbsp;<a href="https://ymlpcl1.net/95458ybwagaewmuwalawwbanajsew/click.php" target="_blank" rel="noreferrer noopener">www.demarches-simplifiees.fr</a>website, then enter the specifics of your vaccination. The stories I have seen on Facebook vary greatly, so I cannot estimate how much time it takes or how easy it is. One thing is certain: the administration did not think beforehand about this being needed, and thus had to fix the situation rather urgently. For a while, it was known that several pharmacies in Paris could carry out the procedure. Now everything seems to be settled.&nbsp;<a href="https://ymlpcl1.net/6cde4ybqalaewmuwaiawwbakajsew/click.php" target="_blank" rel="noreferrer noopener">www.demarches-simplifiees.fr/commencer/passe-sanitaire-francais-de-l-etranger</a>.</p>



<p><strong><span style="color:#5182FF" class="color">MY TAIWANESE EXPERIENCE&nbsp;</span></strong><br>At the end of a business meeting, a couple of weeks ago, a client gave me a copy of the book he had recently published in the USA, with this inscription: “For Jean Taquet with great esteem. Note: To the keen observer who saw the Taiwan crisis years ago.”</p>



<p>I was surprised and deeply moved that this couple remembered so vividly our discussion at a Parisian café in early 2018 after leaving the rue Truffaut branch of the prefecture. I have never been good at small talk, so I spoke of my interest in geopolitics and particularly the politics of Taiwan, Japan and mainland China, which has lasted for some 20 years.</p>



<p>I remember with emotion where and when this interest started. On Monday, December 24th 2001, I held a free advice session, as I had done for the previous few months, at a soup kitchen near Belleville. The last person I saw had lost her immigration status earlier that year. She went back and forth between calling herself Chinese and saying she was from Taiwan. When I mentioned Taiwanese citizenship, she rebuked me. Then I suggested she had Chinese citizenship and she got even angrier. Nothing made sense. I thought I had some understanding of the situation after President Nixon changed US policy regarding China during his visit there on February 21st 1972. But I had totally failed to understand the situation of someone who clearly was going through serious hardship.</p>



<p>From that day on, I became seriously interested in the history of Formosa Island, from the large-scale Han Chinese migration to western Taiwan in the 17th century to the 1949 retreat to Taiwan by Chiang Kai-shek after Mao Zedong’s communist regime took power on the mainland. Then came the democratization of the political system, moving away from a dictatorship, with the second election of President Lee Teng-hui in 1996, as the final step in this process.</p>



<p>Having followed their presidential elections from then on, I saw the evolution of the Taiwanese population toward further independence while escaping from mainland China’s influence. Then it became inevitable that there would be a clash, given the aggressive international policy of Beijing. In March 2013, the Chinese Foreign Ministry published a four-page spread claiming Okinawa and the other islands in the Ryukyu chain were Chinese territories! I do not need to remind my readers that the US military has one of its largest bases on the island of Okinawa, which is part of Japan.</p>



<p>So the current crisis should not be underestimated, and it is clear the Chinese policy will not change and could end with a direct military confrontation with the USA.</p>



<p><span style="color:#5182FF" class="color"><strong>STEPHEN HEINER’S NEW PROJECT</strong>&nbsp;</span><br>Stephen started as a client and today we share several common interests. This is what he recently published on Facebook about his new project, which,</p>



<p>“.. started eight years ago as a way to document and share my move to Europe and as time went on it took on a life of its own.</p>



<p>“This week I&#8217;m excited to announce that&nbsp;<a href="https://ymlpcl1.net/4fe7eybyaiaewmuwacawwbaxajsew/click.php" target="_blank" rel="noreferrer noopener">The American in Paris Blog</a>&nbsp;is no longer a one-man show but a team effort, building an on-the-ground database of information for those who want to build a life in France. If you want to learn more, click through to read the article.</p>



<p>“If you&#8217;d like to support Molli Sébrier and me as we grow this project, please give the FB and LI pages a like and follow when you have a moment!”</p>



<p>I fully support Stephen’s growing business and the diversification it induces. Interestingly enough, I have never seen it as competition. He has drawn a lot of attention as a helper for people who want to settle in France.</p>



<p><a href="https://ymlpcl1.net/05bd2yhsakaewmuwaaawwbatajsew/click.php" target="_blank" rel="noreferrer noopener">www.linkedin.com/company/taipblog/about</a></p>



<p><strong><span style="color:#5182FF" class="color">MORE AND MORE FAST-TRACK PROCEDURES WITH PARIS PREFECTURE</span></strong><br>In my September issue, in the section titled NEWS ABOUT IMMIGRATION: ONE PAGE OF THE GOVERNMENT WEBSITE FITS ALL THE PROFESSIONAL CHANGES OF STATUS, I mentioned the move towards more and more professional<em>&nbsp;carte de séjour&nbsp;</em>procedures going through a dedicated website and the email address&nbsp;<a href="&#109;a&#x69;l&#x74;o&#x3a;p&#x70;&#45;&#x64;&#112;&#x67;&#45;&#x36;&#98;-&#99;h&#x61;n&#x67;e&#x6d;&#101;&#x6e;&#116;&#x2d;&#100;&#x65;&#45;&#x73;&#116;a&#116;u&#x74;&#64;&#x69;n&#x74;&#101;&#x72;&#105;&#x65;&#117;&#x72;&#46;&#x67;&#111;u&#x76;&#46;&#x66;r">p&#112;&#45;&#x64;&#x70;g-&#54;&#98;&#x2d;&#x63;ha&#110;&#103;&#x65;&#x6d;en&#116;&#x2d;&#x64;&#x65;-&#115;&#116;&#x61;&#x74;&#x75;t&#64;&#105;&#x6e;&#x74;&#x65;r&#105;&#101;&#x75;&#x72;&#x2e;g&#111;&#117;&#x76;&#x2e;&#x66;r</a>. I can now confirm that this process is complete for all types of status grounded in a professional activity.</p>



<p>Furthermore, the<em>&nbsp;visiteur&nbsp;</em>immigration status also has its own procedure, going through this website:<a href="https://ymlpcl1.net/12372yhuaoaewmuwalawwbadajsew/click.php" target="_blank" rel="noreferrer noopener">https://administration-etrangers-en-france.interieur.gouv.fr/particuliers/#/espace-personnel/connexion-inscription</a></p>



<p>There are several glitches, however: the system requires the applicant to create an account with an email address and password. It often happens that this kind of thing is done on the spur of the moment, but it gets quite complicated to go through the procedure necessary to recover your password should you ever have the misfortune to forget it! Having experienced this with a few clients, I advise you to make sure you make a note of this information. The website also requires an ephoto, a new kind of passport picture. The photo comes with an ID Nº that goes into the uploaded file. One can have this ephoto taken in most “Photomatons”, the self-serve photo booths found in public places including many metro stations in Paris. This means that the applicant must be physically in France to get this done …a complication for many people. The only benefit of the site is that you can submit all the documents needed. We will see if this simplifies the meeting at the prefecture to confirm the request.</p>



<p><strong><span style="color:#5182FF" class="color">MY BUSINESS HAS A NEW FACEBOOK PAGE</span></strong><br>Over the holidays, my assistant, Sarah, took an interesting initiative and created a new Facebook page. It is a good move for her since she and I both moderate it. She can show off her expertise and her ability to give good advice and clearly explain solutions. She does this in French, leaving the queries in English to me.</p>



<p>Since I am already active in a few Facebook groups and my website is my main showcase, I did not feel I needed such a page. On the other hand, it will no doubt benefit her. I do not have the time to monitor this forum and so far, it has been fairly quiet. Sarah is still figuring out how to handle this new task, being quite busy herself. I am sure it will be a great space for exchanges and hope it will pick up soon.</p>



<p>You are welcome to join:<br><a href="https://ymlpcl1.net/19592yheanaewmuwapawwbazajsew/click.php" target="_blank" rel="noreferrer noopener">https://www.facebook.com/rattachement</a></p>



<p><strong>OFFICE CLOSED FOR CHRISTMAS</strong><br>The office will close for three weeks over the Christmas holidays, starting on Friday December 17th in the evening and reopening on the morning of Monday January 3rd. As always, I will be reachable by email for emergencies and important matters. The service I offer of receiving mail for clients will continue while the office is closed. Of course, Sarah or I will honor prefecture meetings already scheduled, as well as a couple of other engagements.</p>



<p>Best regards,</p>



<div id="kt-info-box_92907f-9c" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-left kt-info-halign-left kb-info-box-vertical-media-align-top"><div class="kt-blocks-info-box-media-container"><div class="kt-blocks-info-box-media kt-info-media-animate-none"><div class="kadence-info-box-image-inner-intrisic-container"><div class="kadence-info-box-image-intrisic kt-info-animate-none"><div class="kadence-info-box-image-inner-intrisic"><img decoding="async" src="https://www.jeantaquet.com/wp-content/uploads/2022/08/JeanTaquet-2.gif" alt="" width="147" height="132" class="kt-info-box-image wp-image-1932"/></div></div></div></div></div><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title"></h2><p class="kt-blocks-info-box-text"></p></div></a></div>



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<div id="kt-info-box_9ee5fb-4e" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-blocks-info-box-media-container"><div class="kt-blocks-info-box-media kt-info-media-animate-none"><div class="kadence-info-box-image-inner-intrisic-container"><div class="kadence-info-box-image-intrisic kt-info-animate-none"><div class="kadence-info-box-image-inner-intrisic"><img decoding="async" src="https://www.jeantaquet.com/wp-content/uploads/2022/08/qetA-01-300x153-1.png" alt="" width="300" height="153" class="kt-info-box-image wp-image-1870"/></div></div></div></div></div><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">QUESTION<br/><br/><em>HOW TO REGISTER WITH CPAM FOR HEALTH COVERAGE</em><br/></h2><p class="kt-blocks-info-box-text"><em>I am an American holding a carte de séjour “visiteur” and I have a question about the application process for the Carte Vitale and the French social security number. Is there an order or scheme to follow to have everything in place? We have read various accounts of procedures but can’t quite put it all in perspective. Where do we start? I need to get on board ASAP with my present situation.</em></p></div></a></div>



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<div id="kt-info-box_471bf9-bd" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">ANSWER<br/><br/></h2><p class="kt-blocks-info-box-text">I will explain all the steps needed to submit such a request, but first I need to point out something fundamental:<br/><strong>All French legal residents have the right to be covered by the Caisse Primaire d’Assurance Maladie (CPAM)</strong>.<br/>Furthermore, it is illegal for someone who lives in France not to have health coverage here. If you get caught without coverage, the system could force you to be covered by the CPAM without thinking of whatever cost you might incur. Only foreigners who do not work in France have the right to have private health coverage.<br/>Especially under President Macron, the CPAM is becoming increasingly strict about the issue of residence. This has two very different consequences:<br/>1. the CPAM is even more restrictive than the law about evaluating what constitutes a “French resident.”<br/>2. the CPAM has the means to find out if someone lost his/her French residence. When this happens, these people get their Carte Vitale cancelled.<br/><br/>To successfully register with the CPAM, you will run into an initial and sometimes complicated obstacle:<br/>The CPAM expects you to have an immigration card – a<em> carte de séjour, a récépissé </em>or a<em> carte de resident </em>– to prove your immigration status. Since you only go to the prefecture when your one-year VLS-TS visa expires, you will only be able to show a<em> carte de séjour </em>about a year or more after you arrive in France, taking into account the possibility that the prefecture appointment occurs after the visa expiration date and that it takes about two to three months to obtain the immigration card after your appointment at the prefecture.<br/>Before the COVID pandemic, the CPAM was pushing the narrative that a visa with OFII registration (i.e., from the Office Français de l&#8217;Immigration et de l&#8217;Intégration), and even going through the entire OFII procedure, did not make an immigrant a complete resident. The CPAM has had a hard time accepting that the combination of the visa and OFII registration is the very definition of a lawfully resident immigrant. Sadly, even when the file is sent directly to the CPAM headquarters, one initially gets the same answer. It can take several attempts before they hear one correctly on this topic.<br/>In short, it is possible for you to legally register with the CPAM right now, but you will experience significant opposition.<br/>Here is another fundamental situation that foreigners have a very hard time comprehending or accepting:<br/><br/><strong>Payment of premiums/taxes towards a health policy and the actual coverage, reimbursement and payment of the medical professional are totally disconnected</strong>.<br/>The payment in question, when you owe it, goes to URSSAF. It is a public collection agency that does not check whether you are actually covered or not. Coverage comes exclusively from the CPAM, which does not link the coverage to any payment. You register with the CPAM, because you are asking for coverage.<br/><br/>The file you submit to the CPAM is very close to what the prefecture asks for:<br/><strong>1. WHO YOU ARE, I.E., YOUR<em> ÉTAT CIVIL</em></strong><br/>These are the documents that define who you are by French standards.<br/><strong>Passport:</strong><br/>ID page<br/>Visa page<br/><strong>Plus:</strong><br/>OFII confirmation with your foreign ID number<br/>The OFII statement that you went through the physical<br/>These secure your immigration status.<br/><strong>In addition:</strong><br/>Birth certificate officially translated into French<br/>Marriage license if applicable<br/>Spouse’s passport and birth certificate if applicable.<br/><br/><strong>2. YOUR FINANCIAL MEANS</strong><br/>French bank statements showing local transactions, proving that you truly live in France.<br/><br/><strong>3. YOUR ADDRESS IN FRANCE<br/>Proof of address</strong><br/>The simplest thing is to either own or rent in your name. Then you must provide: :<br/>A statement from the utility company, proof of tenant liability insurance and a monthly bill for internet connection and, if applicable, a landline. These should be the latest bill, or, if you pay your utility bills via monthly bank transfer, a copy of the annual wrap-up.<br/>Lease or proof of ownership.<br/>Proof of every single month since you arrived, ideally with your date of entry into France.<br/><br/>The above describes quite well how to prove who you are and how long you have lived in France. Then you have the form to fill out and you must provide a R.I.B.<em> relevé d&#8217;identité bancaire </em>detailing your French bank account information and your IBAN in order to receive reimbursements.<br/>Obtaining the French social security number is a direct consequence of having registered with CPAM. One of the most important documents needed before it can be issued is a clean translation of your full birth certificate, as much of the number comes from your date and location of birth.<br/></p></div></a></div>



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<div id="kt-info-box_b6d390-ec" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-blocks-info-box-media-container"><div class="kt-blocks-info-box-media kt-info-media-animate-none"><div class="kadence-info-box-image-inner-intrisic-container"><div class="kadence-info-box-image-intrisic kt-info-animate-none"><div class="kadence-info-box-image-inner-intrisic"><img decoding="async" src="https://www.jeantaquet.com/wp-content/uploads/2022/08/qetA-01-300x153-1.png" alt="" width="300" height="153" class="kt-info-box-image wp-image-1870"/></div></div></div></div></div><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">QUESTION<br/><br/><em>THE PARIS PREFECTURE PROCEDURE FOR SPOUSES OF EU CITIZENS<br/></em></h2><p class="kt-blocks-info-box-text"><em>I am an American citizen and I had my titre de séjour convocation on October 5th with my EU wife at the Parisian prefecture “en qualité de conjoint d&#8217;un citoyen de l&#8217;UE”. The location mentioned on the document was on Rue Truffaut in the 17th district.</em><br/>We arrived with all of our documents and translations, etc., and were told that “we only assist foreigners from Morocco, Algeria, etc.” We were turned away and told that we needed to get another appointment, which they created for us, for December at the prefecture in Place Louis Lépine.<br/>I believe we were rejected at our original appointment for the wrong reasons, and that there was no reason why they were not able to help us.<br/>We followed all the guidance and links online and booked at the correct prefecture for where we live (8ème). It led us to Rue Truffaut and they told us they could not help us because I am an American citizen and not from northern Africa.<br/><em>Can you explain what our next course of action should be?</em></p></div></a></div>



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<p>Understanding the intricacies of the Parisian prefecture should help you deal with the situation now and for the duration of your stay in France. The Paris prefecture is now making extensive use of various pages on its website to communicate with the public, especially foreigners who need to go through immigration procedures. Things are pretty much the same way at all other prefectures as well. But one thing is specific to Paris: the number of locations throughout the city (there are nine) that handle immigrants and are open to the public. There is strict organization regarding who goes where and why.</p>



<p>The trend of having the procedures done online started a few years ago and was quickly accelerated by the COVID pandemic. Now almost all communication regarding immigration goes through the website up to the scheduling of the appointment, which is always held in person. This helps many people whose status is simple, but it can also create nightmares for people who do not fit the right profile.</p>



<p>Two branches specialize in issuing appointments for people who do not have a visa when they entered France. They are called<em>&nbsp;centres de réception des étrangers (C.R.E.).&nbsp;</em>One is on Rue Truffaut, the other on rue Charcot in the 13th district.</p>



<p>To explain what happened to you, I need to describe what existed before this procedure was done online and then what happens now.</p>



<p><strong>Before</strong><br>All foreigners holding an initial entry visa, as well as those who entered France without a visa, including undocumented aliens, went to a<em>&nbsp;centre de réception des étrangers&nbsp;</em>to start the immigration procedure by asking for an appointment at headquarters – in Paris, that meant the prefecture on the Ile de la Cité, on Place Louis Lépine – to request a<em>&nbsp;carte de séjour</em>.</p>



<p><strong>Now</strong><br>Only undocumented aliens have their appointments at one of the two<em>centres de réception des étrangers.</em>&nbsp;A very specific procedure allows this. It starts with acknowledging an illegal stay in France by submitting valid documents proving a significant period of having lived in France without leaving. The second part of the file depends on the grounds for one’s request for the<em>&nbsp;carte de séjour,&nbsp;</em>i.e., being an employee and therefore sponsored by an employer, or a private life situation. The complete file entitles the person to ask for an appointment at a<em>&nbsp;centres de réception des étrangers&nbsp;</em>as the first step. Once their file has been reviewed, if the request is accepted, the person get an appointment at the Cité headquarters to seal the request and have the card issued.</p>



<p>This explains what you were told when you showed up at the Rue Truffaut branch. Clearly you did not fit the profile of foreigners seeking this procedure.</p>



<p>Regardless of whether you enter France with or without a visa as an American citizen, the treaties signed among the EU member countries, and consequently French legislation, grants you a legal stay in France. From what you described, you initially entered France without a visa, as was your right. This explains why you were handled electronically by the Rue Truffaut branch initially. At the same time you claimed you had a right to French immigration based on your spouse’s nationality and your joint residency in France (Paris). Thus you did not belong to the group that would go to Rue Truffaut to get your appointment.</p>



<p>Now, because the computer system has superseded the previous in-person procedure, the appointment confirmation you received stated that it was issued by the Rue Truffaut branch and the appointment was at the Cité headquarters, since there was no need for an initial investigation because you have a legal right to a French immigration residency. The fact that it was issued by Rue Truffaut was shown in the upper left corner and the location was mentioned in the square in the middle of the page.</p>



<p>I did not mention any specific nationalities other than American, as in theory all nationalities can go to Rue Truffaut; the last time I went to a<em>&nbsp;centres de réception des étrangers&nbsp;</em>was with an American who had been illegally in France for more than ten years. That qualified the person for the unconventional procedure of proving a long illegal stay in order to obtain a legal one.</p>



<p>I hope this explanation reassures you that everything the prefecture did was right. By issuing you a new appointment, they helped you by protecting your rights and you did not need to do the procedure by yourself.</p>



<p>I would like to add that having an EU spouse grants you the right to stay in France, so the vast majority of the file is about your spouse and your communal life together, with very little about you. This may seem counterintuitive since you are the applicant.</p>
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<div id="kt-info-box_dfba3d-bc" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-blocks-info-box-media-container"><div class="kt-blocks-info-box-media kt-info-media-animate-none"><div class="kadence-info-box-image-inner-intrisic-container"><div class="kadence-info-box-image-intrisic kt-info-animate-none"><div class="kadence-info-box-image-inner-intrisic"><img decoding="async" src="https://www.jeantaquet.com/wp-content/uploads/2022/08/qetA-01-300x153-1.png" alt="" width="300" height="153" class="kt-info-box-image wp-image-1870"/></div></div></div></div></div><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">QUESTION<br/><br/><em>RENTING AN APARTMENT IN PARIS<br/></em></h2><p class="kt-blocks-info-box-text"><em>We are an American couple and we are experiencing great difficulties in renting an apartment in Paris, probably because of our employment status. We have ample means in the USA and even though we are both artists, our steady income can easily cover the rent on the apartment we are looking at. We think that we have an excellent profile even though we do not have a conventional employer. Is there a way for us to rent in Paris, outside the Airbnb market?</em></p></div></a></div>



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<p>Sadly, this is a common situation for people with your profile. Renting a home in France, especially in Paris, starts with a crucial observation:</p>



<p>It takes about three years to expel a non-paying tenant who uses all the available procedures to delay the inevitable outcome.</p>



<p>Most foreigners do not know this, so they misjudge the situation, often thinking it is discrimination or fear of renting to a non-French person. Regardless of the size of the apartment, the amount of the rent and the revenue shown by the candidate, to a French landlord everybody looks like a potential stiffer. Renting out property entails a high level of financial risk, not counting the cost of an eventual court case. Therefore, the landlord and management agency look at two things above all:</p>



<p>1. What is the candidate’s assured revenue?<br>2. How strong a guaranty do they offer?</p>



<p>Down the years, many programs have been created to help ease this legitimate concern. But they have almost exclusively been available to people who are employed in France. Thus you have not access to these public guarantor programs. Clearly you need to find another way to offer the landlord sufficient guarantees, since you cannot radically change the nature of your income. The only reasonable way to do this in France is to have your French bank be your guarantor. This system has huge flaws but it is the only way that makes sense.</p>



<p>Setting this up means having two different contracts, combined into one.<br>1. You start by transferring a substantial amount of money to France, enough to cover between six months and one year of rent. Then you invest this money in a mutual fund account with your bank after discussing and reviewing with your banker the financial products most compatible with your needs. Since you know more or less how much the rent is, you should be able to set this up without too much difficulty.</p>



<p>2. Before you visit apartments, when you contact agencies or owners, always give them a complete file introducing you and including a copy of the mutual fund statement, along with a note from the bank stating that it is ready to set up the guaranty agreement, which can only be done after you sign the lease. The bank then creates a link between the mutual fund account and the landlord-agency. This service is not free; the bank will charge you a small fee for the entire time of the rental.</p>



<p>To repeat, this means moving a large sum of money to France: If the rent is 2,000€ to 4,000€ a month, you will need 12,000€ to 24,000€ for six months, 24,000€ to 48,000€ for a year. This will almost certainly mean paying capital gains taxes in the USA and related bank fees. It may be a difficult idea to swallow at first, although you might look at it as an opportunity to diversify your global assets, and in the end it may not be as expensive as it first looks.</p>



<p>Finally, note that there are different Parisian rental markets:</p>



<ul class="wp-block-list"><li>1. For short term rental of the Airbnb type, there is no need for a guarantor.</li><li>2. For a secondary residence, usually a furnished apartment with a fixed-term non-renewable lease, rarely for more than a year, there may not be any need for a guarantor.</li><li>3. To obtain a lease for a furnished property, silently renewable every year, with you as tenant having the right to give notice, you need a guarantor. Once you declare your worldwide income in France, the lease becomes protected as the apartment is considered your primary residence, even though the original lease was drafted differently.</li><li>4. An unfurnished apartment lease is so protected that a guarantor is a must, often for a long period.</li></ul>



<p>To sum up, for realistic expectations of finding the right accommodations, chances are you will either have to go through all the above steps – or hire an apartment hunter, a real estate professional who will find your new home, and therefore will get you a primary residence lease.</p>
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<div id="kt-info-box_f44d54-65" class="wp-block-kadence-infobox"><div class="kt-blocks-info-box-link-wrap kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">DISCLAIMER<br/><br/></h2><p class="kt-blocks-info-box-text">Please forward this message to all those who would be interested in its contents. The information contained in this newsletter is intended only as general information. I strongly urge readers to seek professional guidance concerning the legal and tax matters mentioned. This newsletter is intended as a general guide and is not to be taken as professional advice.<br/></p></div></div></div>
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		<title>With a little help from my friends</title>
		<link>https://www.jeantaquet.com/with-a-little-help-from-my-friends/</link>
		
		<dc:creator><![CDATA[Jean]]></dc:creator>
		<pubDate>Fri, 01 Oct 2021 08:45:04 +0000</pubDate>
				<category><![CDATA[2021]]></category>
		<category><![CDATA[Daily allowance]]></category>
		<guid isPermaLink="false">https://www.jeantaquet.com/?p=2179</guid>

					<description><![CDATA[October 2021 This month’s title song is by the Beatles, from their 1967 album&#160;Sgt. Pepper’s Lonely Hearts Club Band.&#160;The following year, Joe Cocker’s soul-style cover became a hit single and was further boosted by his performance of it at the Woodstock music festival. Like many people, I am always mesmerized by Joe Cocker’s performance of [&#8230;]]]></description>
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<h5 class="wp-block-heading"><em>October 2021</em></h5>



<p>This month’s title song is by the Beatles, from their 1967 album<em>&nbsp;Sgt. Pepper’s Lonely Hearts Club Band.&nbsp;</em>The following year, Joe Cocker’s soul-style cover became a hit single and was further boosted by his performance of it at the Woodstock music festival.</p>



<p>Like many people, I am always mesmerized by Joe Cocker’s performance of this song, even though I am not a true fan of his. It is always fascinating to see the level of energy among the artists who played at Woodstock. They seem to be carried by a force that unites them not only with one another but also with the public.</p>



<p><strong><span style="color:#5182FF" class="color">THE FRANCO-AMERICAN RELATIONSHIP&nbsp;</span></strong><br>For much of the past few weeks, the French media has talked about France’s loss of a submarine contract with Australia and how the USA “stabbed France in the back”. It has turned into a diplomatic incident, with the French ambassador in Washington DC being called back to Paris for the first time ever. To me, the notable thing about the situation is what happened after that. Both countries’ presidents talked on the phone and agreed to schedule meetings between their diplomats and between them personally. I liked seeing this. President Biden is known to be Francophile, and President Macron’s English is excellent, but I am not sure that alone explains how quickly the crisis de-escalated. Maybe the long-lasting Franco-American friendship has something to do with this.</p>



<p><strong><span style="color:#5182FF" class="color">UNIFICATION OF THE FRENCH SOCIAL SYSTEM CONTINUES&nbsp;</span></strong></p>



<p>One consistent policy of President Macron since he took office has been to unify the entire social system known as the Sécurité Sociale, which includes such well-known divisions as the Assurance Maladie (health coverage) and the Assurance Vieillesse, with the Caisse Nationale d’Assurance Vieillesse as the equivalent of the US Social Security Administration.</p>



<p>To give a little background: the Régime Social des Indépendants (RSI), which supervised the health coverage of the self-employed, was terminated in 2018, and since January 1st, 2020, the self-employed and employees have had exactly the same coverage, issued by the Caisses Primaires d’Assurance Maladie (CPAM). Everybody was happy about this, since the self-employed were getting better service.</p>



<p>Many living in France will remember the government’s attempts to unify all retirement regimes. After strikes and huge demonstrations, COVID happened and the plan was put on hold. It had been controversial largely because of the choice to put everyone on the self-employed regime, which is significantly worse than that enjoyed by employees.</p>



<p>Recently another aspect of unification occurred, which did not make headlines anywhere: the system of employee sick leave has been duplicated for the self-employed.</p>



<p>This is a huge breakthrough that goes against a long-standing French tradition. The organization of labor into employed and self-employed, the division of the latter into the categories of<em>&nbsp;profession libérale, artisan&nbsp;</em>and<em>&nbsp;commerçant,&nbsp;</em>and the establishment of the legal concept of a corporation as a&nbsp;<em>personne morale&nbsp;</em>all date back to Colbert, the prime minister under Louis XIV from 1661 until his death in 1683. Ever since, there has been a sharp distinction between employees, the good guys who need state protection, and business owners, the bad guys, legally assumed to be potential crooks requiring state oversight and auditing. More than 300 years later, a lot has finally changed. With the newer fiscal status of<em>&nbsp;micro-entreprise</em>&nbsp;and&nbsp;<em>auto-entrepreneur,&nbsp;</em>the stigma has significantly diminished. Yet owners still had to accept the risk of being in business and covering themselves against illness or loss of the business. President Macron wanted to give them the same protection all workers in France had and erase this distinction. The stimulus payments given to business owners probably helped in implementing this new policy. Now the self-employed get some compensation when they go on sick leave. Below is my translation of the guidelines in an email I received from URSSAF on September 24th.</p>



<p>“As of July 1st, 2021, people with<em>&nbsp;profession libérale&nbsp;</em>status can receive daily sickness benefits in the event of work stoppage. All information on the terms and conditions of this benefit is available on the&nbsp;<a href="https://ameli.fr/">https://ameli.fr</a>&nbsp;website.</p>



<p>The introduction of this benefit entails an increase in the rate of social contributions of between 0.1% and 0.2%, depending on your situation. All information relating to the change in the contribution rate is available on the&nbsp;<a href="https://ymlpcl1.net/72c04yebafaeweqqaaahbmadajsew/click.php" target="_blank" rel="noreferrer noopener">autoentrepreneur.urssaf.fr</a>&nbsp;website.</p>



<p>Your new contribution rate will be applied automatically at the time of your turnover declaration for the 3rd quarter of 2021, available online from October 1st, 2021.</p>



<p><strong><span style="color:#5182FF" class="color">WHAT ARE THE CRITERIA FOR BEING COMPENSATED IN THE EVENT OF ILLNESS?</span></strong><br>Craftsmen, traders, entrepreneurs, micro-entrepreneurs and spouses who collaborate with their mates can benefit from daily allowances under certain conditions. To be able to claim sickness compensation for your professional activity, you must prove at least 12 months of continuous participation in this activity.</p>



<p>Note: if the 12-month requirement is not met, your sick leave may, under certain conditions, be eligible for compensation due to the maintenance of rights from your previous activity: check with your CPAM.</p>



<p>To receive daily sickness benefits during a work stoppage, you must meet three conditions:<br>• you are temporarily unable to continue or resume a professional activity due to illness;<br>• you have a work stoppage&nbsp;<em>(arrêt maladie)&nbsp;</em>order from your attending physician, who has noted this inability to continue or resume a professional activity;<br>• you have stopped your activity.</p>



<p><strong><span style="color:#5182FF" class="color">DAILY ALLOWANCE: WHAT IS IT?</span></strong><br>A daily allowance is paid to you by your CPAM to compensate for your loss of income during sick leave. Under certain conditions, you can receive daily allowances after a three-day waiting period. They are calculated from your assessed income and are paid every 14 days on average. Please note: your daily allowance statements also validate your retirement rights. Keep them indefinitely.</p>



<p><strong><span style="color:#5182FF" class="color">HOW MUCH WILL YOUR DAILY ALLOWANCE BE?</span></strong><br>The daily allowance you will receive during your sick leave is equal to 1/730th of your average annual activity income (RAAM). This is calculated on the average of your assessed income for the three calendar years preceding the date of your work stoppage.</p>



<p>Your income is taken into account within the limit of the annual social security ceiling (PASS) in force on the day of the medical finding of incapacity for work, i.e., 41,136€ gross (as of January 1st, 2021). Even if your average annual activity income is greater than 41,136€, your daily allowance cannot exceed the maximum amount of 56.35€ gross set on January 1st, 2021.</p>



<p>If your RAAM for the three calendar years preceding your work stoppage is less than 10% of the average of the annual value of the PASS in force during the years considered (4,046.40€ in 2021), the amount of your daily allowance is zero.</p>



<p>For the self-employed, the MICRO annual taxable income corresponds to the annual turnover less the standard allowance (71% for the activities of BIC Vente, 50% for BIC Prestations, 34% for BNC).</p>



<p><strong><span style="color:#5182FF" class="color">PAYMENT OF DAILY ALLOWANCES</span></strong><br>Daily sickness benefits are due from the fourth day of sick leave. Your reimbursement statement can be viewed in your Ameli account.</p>



<p>During the first three days of your sick leave, no daily allowance is paid to you; this is called the waiting period. It applies at the start of each work stoppage except in the following cases:<br>• if you benefit from an extension of your work stoppage after resuming activity for up to 48 hours between the end of your initial stoppage and the start of the extended stoppage;<br>• your stoppage is due to a long-term illness, in which case the waiting period is retained only for the first work stoppage (valid for three years).”</p>



<p><a href="https://www.autoentrepreneur.urssaf.fr/portail/accueil/sinformer-sur-le-statut/toutes-les-actualites/creation-dun-dispositif-dindemni.html">https://www.autoentrepreneur.urssaf.fr/portail/accueil/sinformer-sur-le-statut/toutes-les-actualites/creation-dun-dispositif-dindemni.html</a></p>



<p><strong><span style="color:#5182FF" class="color">ANOTHER AIRBNB COURT DECISION IN PARIS</span></strong><br>I have translated this article to remind my readers that the Airbnb fight in Paris is not over. While the pandemic stopped tourism for two summers in a row, tourists have started coming back to Paris, though the numbers are still low. I am sure it will take a year or two for the French tourism industry to get back to where it was before COVID.</p>



<p>This court decision concerns a situation that began in 2017. The pandemic took many apartments out of the short-term rental market, which may be one reason average Parisian real estate prices lost about 1% in a year.</p>



<p><strong><span style="color:#5182FF" class="color">THE ARTICLE</span></strong><br>“The noise of rolling suitcases being dragged in the middle of the night by tourists looking for their ‘furnished Airbnb’ haunts the residents of some apartment buildings. But how can one oppose this nuisance if the condo bylaws do not expressly prohibit seasonal rentals?</p>



<p>That is the question that recently arose for co-owners of a Haussmann building in Paris’s 8th arrondissement.</p>



<p>On June 5th, 2017, the general assembly of co-owners agreed to allow the division of the fourth floor into six lots for use as offices. On January 3rd, 2018, the SCI that owned the lots sold them to two other companies, which decided to list them on tourist rental sites (Airbnb,&nbsp;<a href="http://hotels.com/">Hotels.com</a>,&nbsp;<a href="http://booking.com/">Booking.com</a>, etc.) Soon the residents were complaining of incessant comings and goings, noise at night, and the ‘guests’ parties.</p>



<p>On June 20th, 2019, the general assembly decided to take the matter to court in an effort to obtain an order against hotel activity.</p>



<p>The case was heard on September 8th, 2020. The co-owners’ file included several documents showing evidence of the complaints: photos of suitcases piled up in the entry and corridors and damage done to the staircase by suitcase wheels, along with letters and certificates. In a letter dated February 1st, 2020, a co-owner mentioned ‘display of panties and bras on the balcony,’ damage in the elevator, and ‘regular vomiting’ in the common areas.</p>



<p>Several people reported having filed complaints up to the beginning of the 2020 lockdown. The concierge testified that she could no longer sleep, that she was insulted by tourists when she protested their incivility but that the manager of one of the SCIs forbade her to speak to them. He even complained to the co-owners’ group of ‘serious misconduct’ on her part.</p>



<p>The co-owners argued that the six disputed lots were meant to be used as offices and that the hotel operation contravened the co-ownership regulations. The SCIs countered that under the terms of the regulations as amended in 2008, when online rental platforms already existed in France, that ‘each apartment can be assigned to bourgeois, professional or commercial use’ and that this meant that commercial activity was allowed.</p>



<p>The co-owners then argued that the regulations prohibited the nuisances generated by this activity, as they stipulated: ‘Each co-owner will have the right to enjoy, use and dispose of their premises &#8230; , provided that they do not harm the owners of the other lots’ and that their use of the premises ‘must not be dangerous or annoying for the other co-owners through, among other things, the noise of the reception of many customers.’</p>



<p>The by-laws further specify that ‘no co-owner or occupant of the building shall encumber the entrances, vestibules, stairs, landings, corridors, or any other common parts of the buildings.’</p>



<p>The presiding judge ruled on May 12th, 2021, that ‘authorized commercial activity is framed by the co-ownership regulations’ and could only be allowed if it was ‘not inconvenient for the other co-owners.’ As it appeared from the documents submitted that it ‘causes repeated nuisances,’ with the occupants of the rented lots ‘disturbing the other occupants, in violation of the stipulations of the co-ownership regulations, these facts constitute a manifestly unlawful disturbance.’</p>



<p>The judge put an end to the ‘manifestly unlawful’ disorder by ordering the SCIs to cease their activities ‘for a period of sixteen months,’ or roughly the waiting period for a judgment on the merits; … the order states that ‘the final ban &#8230; requires an interpretation of the co-ownership regulations falling solely within the power of the trial judge.’ In the meantime, the residents can sleep again.”</p>



<p><a href="https://www.lemonde.fr/argent/article/2021/06/19/un-juge-interdit-la-location-touristique-dans-un-immeuble-de-standing-a-paris_6084777_1657007.html">https://www.lemonde.fr/argent/article/2021/06/19/un-juge-interdit-la-location-touristique-dans-un-immeuble-de-standing-a-paris_6084777_1657007.html</a></p>



<p><strong><span style="color:#5182FF" class="color">MY BUSINESS HAS A NEW FACEBOOK PAGE</span></strong><br>Over the holidays, my assistant, Sarah, took an interesting initiative and created a new Facebook page. It is a good move for her since she and I both moderate it. She can show off her expertise and her ability to give good advice and clearly explain solutions. She does this in French, leaving the queries in English to me.</p>



<p>Since I am already active in a few Facebook groups and my website is my main showcase, I did not feel I needed such a page. On the other hand, it will no doubt benefit her. I do not have the time to monitor this forum and so far, it has been fairly quiet. Sarah is still figuring out how to handle this new task, being quite busy herself. I am sure it will be a great space for exchange, and hope it will pick up in the near future.</p>



<p>You are welcome to join:<br><a href="https://ymlpcl1.net/97d95yewanaeweqqaiahbmafajsew/click.php" target="_blank" rel="noreferrer noopener">https://www.facebook.com/rattachement</a></p>



<p><strong>OFFICE CLOSED FOR CHRISTMAS</strong><br>The office will close for three weeks over the Christmas holidays, starting on Friday December 17th in the evening and reopening on the morning of Monday January 3rd. As always, I will be reachable by email for emergencies and important matters. The service I offer of receiving mail for clients will continue while the office is closed. Of course, Sarah or I will honor prefecture meetings already scheduled, as well as a couple of other engagements.</p>



<p>Best regards,</p>



<div id="kt-info-box_92907f-9c" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-left kt-info-halign-left kb-info-box-vertical-media-align-top"><div class="kt-blocks-info-box-media-container"><div class="kt-blocks-info-box-media kt-info-media-animate-none"><div class="kadence-info-box-image-inner-intrisic-container"><div class="kadence-info-box-image-intrisic kt-info-animate-none"><div class="kadence-info-box-image-inner-intrisic"><img decoding="async" src="https://www.jeantaquet.com/wp-content/uploads/2022/08/JeanTaquet-2.gif" alt="" width="147" height="132" class="kt-info-box-image wp-image-1932"/></div></div></div></div></div><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title"></h2><p class="kt-blocks-info-box-text"></p></div></a></div>



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<div id="kt-info-box_9ee5fb-4e" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-blocks-info-box-media-container"><div class="kt-blocks-info-box-media kt-info-media-animate-none"><div class="kadence-info-box-image-inner-intrisic-container"><div class="kadence-info-box-image-intrisic kt-info-animate-none"><div class="kadence-info-box-image-inner-intrisic"><img decoding="async" src="https://www.jeantaquet.com/wp-content/uploads/2022/08/qetA-01-300x153-1.png" alt="" width="300" height="153" class="kt-info-box-image wp-image-1870"/></div></div></div></div></div><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">QUESTION<br/><br/><em>RENTING A SUBSTANDARD PLACE AND GETTING THE MONEY BACK<br/></em></h2><p class="kt-blocks-info-box-text"><em>We are trying to get our money back in the amount of 593€. The owner of a gîte cheated us and caused us a great deal of stress as we had to search for another gîte in July for my daughter and our grandchildren, who had already booked their flights and were so excited to come.</em><br/>I asked the owner, who ignored us after having been abusive to us in a long email, if we could please have our money back as soon as possible because we had to search for another gîte and needed the money for it and he ignored that communication, too.<br/>Also, we found this owner through a site and we told them and sent emails to ask if they would help us, but they would not. When we emailed him, we also forwarded and emailed all the correspondence to that site.<br/><em>We were not allowed in the house before making a payment, but he insisted we give him 600€ (7€ got used in the bank transfer, which is why the amount he owes us is 593€). We went to France on June 9th and saw the property on June 10th as arranged, and we did not want to rent his property because it was unsafe for our grandchildren. As agreed, we had the right to say no, but he kept the money because he said he had to prepare.</em></p></div></a></div>



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<div id="kt-info-box_471bf9-bd" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">ANSWER<br/><br/></h2><p class="kt-blocks-info-box-text">Your case raises several basic issues:<br/>1 &#8211; In France, if a request is not sent by registered letter it is as if you never made the request. It is never a good idea to send emails, text messages and so on, although the initial exchange can be by email in a case where the issue can be solved amicably. But if the place is in the awful condition which you described, the owner can be considered a crook and sending an email will do nothing. The best thing is to waste no time but send a registered letter within a couple of days.<br/>2 &#8211; Even if you send a registered letter, the owner has no good reason to answer you. He has your money and he thinks your decision was unreasonable, so the burden of proof is on you. Therefore, a second registered letter should be ready to send on the day mentioned in the first letter as the deadline for reimbursement. The second letter should mention that a lawsuit is pending; if possible, mention the name of a law firm (with permission). Be sure to send supporting documents both times. Ideally, you take pictures of the place, even though that might seem counterintuitive. Instead of leaving right away, visit the entire house and document every room. Also, be sure to copy the photos posted on the site to prove the obvious discrepancy.<br/>3 &#8211; You need to think of some kind of leverage so that he has something to lose by not replying. I see only two possibilities:<br/>a. Inform the management of the site, making clear that you hold them liable for what he did because it is false advertising and they are responsible for that.<br/>b. Write bad reviews on the site to discourage other renters.<br/>Note that either action could be considered defamation unless you have documents, such as pictures, to back you up.<br/>Be ready for a violent and menacing reaction. Do not answer threatening messages from the owner. Make it clear to the site that you are ready for a lawsuit considering the evidence you have collected and the support of the law firm.<br/>4 &#8211; You have signaled your intention to file a complaint with a local court. Remember that renting out French real estate makes the related income taxable in France. What are the chances that he is not declaring the money you have paid him, and maybe not declaring at all? Just the threat of a French court decision detailing his rental business could have a real impact on his reaction.<br/><br/><strong>Here are the steps you need to take:</strong><br/>1 &#8211; Gather evidence and documentation of the condition of the place and why you claim it was improper for a normal vacation rental with children. Keep in mind that the burden of proof is on you; that is why you start with this.<br/>2 &#8211; Draft and send an initial letter/message to each party. After a short time, inform the management of the site what you are doing. Write bad reviews on the site to discourage other renters as the owner has a financial interest in having a good reputation. The management of the website loses credibility and therefore business if a negative evaluation stays too long on the site without being addressed.<br/>3 &#8211; I know from experience that the initial reaction from each party may be brutal. This is when you need to mention the possibility of a court case, with enough details to make clear that you have a serious, well-thought-out case ready to be filed.<br/>Let’s hope the matter will then be settled, because I cannot advise you to file in court without having seen enough evidence to determine whether your case would hold up in court.<br/></p></div></a></div>



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<h2 class="wp-block-heading">QUESTION<br><br><em>RENTING A SUBSTANDARD PLACE AND GETTING THE MONEY BACK</em></h2>



<p><em>I left my partner in Paris to go back to Indonesia to get an immigration self-employed visa. We lived together in Paris for over a year but it was not enough to secure any viable immigration status. During the initial appointment with VFS Global, they were very firm and truly rude, stating that this visa did not exist or at least was not currently issued. The French consulate in Indonesia confirmed that they were processing all types of visas again, so the application for the profession libérale visa should go through this time. We continue to be very worried. Would the visa long séjour “visiteur” 4 à 12 mois be a better choice? After that, once in Paris, I could apply at the prefecture for profession libérale status. When the visa request was filled in, the&nbsp;<a href="https://france-visas.gouv.fr/en_US/web/france-visas/ai-je-besoin-d-un-visa">https://france-visas.gouv.fr/en_US/web/france-visas/ai-je-besoin-d-un-visa</a>&nbsp;the visa application wizard for profession libérale generated a long list of documents that do not seem relevant: lease-management agreement, credit guarantee, etc. Should we worry about those?</em><br></p>
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<p>There are a lot of issues to address here.</p>



<p>1 &#8211; Sadly, VFS Global is doing a poor job regardless of the country where the visa request is submitted. I am familiar with this situation because it has happened in numerous countries, including some branches in the USA, although it is now becoming less frequent. Therefore, before any meetings with VFS, it is necessary to know your file thoroughly, as well as the legal grounds for the visa. VFS staff members are still capable of telling you that such and such a visa does not exist or is not documented this way. Continue the discussion until they reach the point where they say they need confirmation from the French consulate, as you did, so that you can get back to them once you receive the endorsement of the French administration. As far as I know, all immigration visas defined in the CEDESA code are being issued everywhere in the world, based on the experiences of clients living in different countries whom I have recently helped with this procedure.</p>



<p>2 &#8211; Always ask for the right visa. For years now and probably for the foreseeable future, it is pretty much impossible to change the immigration status at the prefecture to something other than what the visa states. The most recent procedure is impossible to derail because everything goes through either OFII or an email sent to the prefecture. It is no longer possible to meet with someone early in the procedure. A self-employed<em>profession libérale&nbsp;</em>is by definition a VLS-TS (<em>visa de long séjour valant titre de séjour</em>), and once in France, the first step for the holder is to register with OFII. Then it is possible to register the business with URSSAF.</p>



<p>As for a<em>&nbsp;visiteur&nbsp;</em>visa valid less than a year, note that it does not bear the word<em>&nbsp;visiteur&nbsp;</em>but is called a VLS, or<em>visa de long séjour.&nbsp;</em>You do not go through the OFII procedure so you do not get a foreign ID number and hence cannot register a business with URSSAF. Thus, as a general rule, always ask for the right visa, regardless how complicated it is to put together the file. Choose wisely when you consider what to ask for.</p>



<p>The only possible exception concerns some<em>&nbsp;passeport talent&nbsp;</em>subcategories linked to business creation or international fame; if there is insufficient French support, choosing<em>&nbsp;profession libérale&nbsp;</em>to enter France and working for a couple of years before asking for the<em>passeport talent&nbsp;</em>could be a viable strategy.</p>



<p>3 &#8211; The consulate and prefecture sites deal with the generic terminology<em>&nbsp;“micro-entreprise”&nbsp;</em>visas. Consequently, there is almost never a distinction made between<em>&nbsp;profession libérale,&nbsp;</em>on the one hand, and<em>artisan&nbsp;</em>(craftsman) or<em>&nbsp;commerçant&nbsp;</em>(merchant), on the other. The documents you mention, such as the lease-management agreement, make sense if you need a shop to sell from as a merchant or a studio in which to work with equipment and tools as a craftsman. But they make no sense for, say, a consultant working from home. This is the only list on those sites, and it does not say much about what is really needed. I have long used a list I drew up myself. A lot of fine tuning is still required, as each project is different, but it is a decent starting point.</p>



<p><strong>ID – the applicant</strong><br>Passport<br>Proof of address (in Indonesia, in your case)<br>Birth certificate<br>Health insurance valid in France<br>Proof of address in France (affidavit of lodging from your partner)</p>



<p><strong>The project – the business</strong><br>Cover letter in French outlining the services offered and relevant experience<br>Résumé/CV<br>Diploma related to the work<br>Proof of experience in the field<br>Letters of interest in your work by French residents<br>Bank statement showing the equivalent of about 22,000€, to be on the safe side, or an affidavit of support from your partner<br>Your Indonesian income tax documents if you have them</p>



<p><strong>Glitter</strong><br>Media coverage</p>



<p>Focus on building a strong file and take the time to do it right. It is always faster and simpler when the file requires no additional documents or just tiny details to address.</p>
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<div id="kt-info-box_dfba3d-bc" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-blocks-info-box-media-container"><div class="kt-blocks-info-box-media kt-info-media-animate-none"><div class="kadence-info-box-image-inner-intrisic-container"><div class="kadence-info-box-image-intrisic kt-info-animate-none"><div class="kadence-info-box-image-inner-intrisic"><img decoding="async" src="https://www.jeantaquet.com/wp-content/uploads/2022/08/qetA-01-300x153-1.png" alt="" width="300" height="153" class="kt-info-box-image wp-image-1870"/></div></div></div></div></div><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">QUESTION<br/><br/><em>A NEVER-ENDING WATER LEAK IN A PARISIAN APARTMENT<br/></em></h2><p class="kt-blocks-info-box-text"><em>For a long time I have owned an apartment in Paris which has given me very little trouble throughout the years. Suddenly, there are water leaks coming from upstairs and neither the tenant nor the landlord is willing to comply with the French insurance procedure. As I live in the USA, the situation becomes even more difficult when my helper does not get any answers from either of them. Since one of the leaks was major and went throughout the apartments all the way down to the bottom of the building, the syndic sent its plumber and fixed that leak. Since then the landlord of the apartment above has been accusing the syndic of being responsible for the rest of the leaks. Bottom line, my apartment needs repair. My insurance company is waiting for the estimate from the contractor, and the last thing I want is a new leak as soon as the repairs are done. Is there any solution to avoid this?</em></p></div></a></div>



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<h2 class="wp-block-heading">ANSWER</h2>



<p></p>



<p>I do not know any way to reassure you that the plumbing problems have been fixed, but let’s break down this complex situation so I can address what is happening.</p>



<p><strong>1 &#8211; A normal water damage insurance claim</strong><br>The tenant upstairs and you should sign a<em>&nbsp;constat amiable de dégâts des eaux&nbsp;</em>containing the minimum information needed for each party to open a claim. One question asked is if the leak has been repaired.</p>



<p>Each party gets an estimate for repairing the damage and submits it to their respective insurance company. Since June 1st, 2018, according to a new protocol in the French insurance industry called the<em>&nbsp;Convention d’Indemnisation et de Recours des Sinistres Immeuble (IRSI),</em>&nbsp;if the repairs cost less than 5,000€ (without TVA), the insurance companies pay for the repairs without seeking compensation from the party responsible. Above that, the insurer(s) of the victim(s) of the leak ask for compensation from the insurer of the apartment where the leak started.</p>



<p>This is why it is important to get an estimate, as it determines which procedure applies. Note that getting an estimate says nothing as to when the repairs will be done.</p>



<p>Usually each insurance company names an expert to review the estimate. Ideally the experts meet on the premises, i.e., your apartment, to reach an agreement and allow the compensation to be paid. Then each insurance company pays the amount set by the expert, less TVA, which will be paid once the work is finished and the contractor paid.</p>



<p>All this can happen only once the leak is identified and fixed, so that the damage does not continue.</p>



<p><strong>2 &#8211; Prerogatives of the syndic (property manager)</strong><br>The syndic only deals with the common area and has no role regarding the apartments themselves, which are private property and also someone’s domicile. Getting in without authorization would be trespassing on private property. Still, when a situation jeopardizes the building as a whole, such as gallons of water going through all the apartments, the syndic has the right to get in without authorization and ensure that the leak is stopped. This usually happens when either no one is there at the time or the person does not see the leak because the pipes are hidden.</p>



<p>The syndic pays the repair bill and asks the apartment owner for reimbursement if it is a private leak. If the leak came from a pipe that is part of the common area, it is the syndic’s responsibility to start with.</p>



<p>Therefore, the landlord making such claims sounds wrong to me. In any case, the syndic should send you a copy of the bill so you can inform your insurance company that the leak was fixed.</p>



<p><strong>3 &#8211; The unknown situation upstairs and what you should do</strong><br>This is where things become complicated. From an insurance point of view, you are only concerned with leaks from upstairs that go through the ceiling or walls of your apartment. Someone with an eagle eye should regularly inspect your apartment. Although you live in the USA, your helper can do this – perhaps more often than usual for a while, in case there are still leaks upstairs.</p>



<p>The question is, if there is a new leak, does it increase the existing damage? If so, you must file a claim so that you are covered for that, too.</p>



<p>Finally, although it might be a lot easier said than done, stay away as much as possible from the dispute between the landlord upstairs and the syndic, and, by extension, the<em>&nbsp;copropriété.&nbsp;</em>Being just underneath, yours is the first apartment where the leak appears. So you need to be extremely careful to file new claims when the leaks occur without having the<em>&nbsp;constat amiable de dégâts des eaux&nbsp;</em>filled out by both parties due to the aggressive attitude of the tenant and the landlord of the apartment above. Therefore you need to stay away as much as possible from the party responsible for the leaks.</p>



<p>Sadly, the renovation might not be possible for a long time unless you take the risk of getting it done and having to go through the same procedure shortly thereafter.</p>
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<div id="kt-info-box_f44d54-65" class="wp-block-kadence-infobox"><div class="kt-blocks-info-box-link-wrap kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">DISCLAIMER<br/><br/></h2><p class="kt-blocks-info-box-text">Please forward this message to all those who would be interested in its contents. The information contained in this newsletter is intended only as general information. I strongly urge readers to seek professional guidance concerning the legal and tax matters mentioned. This newsletter is intended as a general guide and is not to be taken as professional advice.<br/></p></div></div></div>
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		<title>Dreamboat Annie</title>
		<link>https://www.jeantaquet.com/dreamboat-annie/</link>
		
		<dc:creator><![CDATA[Jean]]></dc:creator>
		<pubDate>Wed, 01 Sep 2021 08:25:13 +0000</pubDate>
				<category><![CDATA[2021]]></category>
		<category><![CDATA[Bank]]></category>
		<category><![CDATA[carte de sejour]]></category>
		<category><![CDATA[COVID]]></category>
		<category><![CDATA[MEDICAL]]></category>
		<category><![CDATA[METRO]]></category>
		<guid isPermaLink="false">https://www.jeantaquet.com/?p=2203</guid>

					<description><![CDATA[September 2021 Dreamboat Annie&#160;was the band Heart’s first album. A reader challenged me to use this title for the September issue. Two ago, with the July 2019 issue, I faced a similar challenge with the title “Father and Son” by Cat Stevens. Before going on vacation, I had a few ideas about what to write [&#8230;]]]></description>
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<h5 class="wp-block-heading"><em>September 2021</em></h5>



<p><em>Dreamboat Annie&nbsp;</em>was the band Heart’s first album. A reader challenged me to use this title for the September issue. Two ago, with the July 2019 issue, I faced a similar challenge with the title “Father and Son” by Cat Stevens.</p>



<p>Before going on vacation, I had a few ideas about what to write in order to rise to the challenge. Now the summer vacation is over for many, including for myself. During those weeks, I never thought about sailing a boat, being able to have that kind of leisure. When I thought of a boat, it was as a way to escape, especially to get away from continuing uncertainty. This summer was a time of good and bad news about COVID-19 in both the USA and France; on TV, the news programs managed to give both a few seconds apart. What is most unsettling for people is the uncertainty, not knowing what will happen or what to expect. Maybe this is the kind of dreamboat a lot of people think about.&nbsp;<br>As the lyrics state:<br><em>Warm wind caress her, her lover it seems<br>Oh Annie, dreamboat Annie<br>Ship of dreams<br>Oh Annie, dreamboat Annie<br>Little ship of dreams</em></p>



<p>The song has nothing to do with an actual boat. It is about going away with a lover. Aside from what is happening in Afghanistan, the main preoccupation once again in many parts of the USA as well as in France is going back to school. This is what I wrote in my September 2020 issue titled<em>&nbsp;School’s Out.</em>&nbsp;It was the fifth studio album by American rock band Alice Cooper, released in 1972:<br><em>“The issue of whether to reopen schools was covered by the media every day in July. ……..</em></p>



<p><em>As is common these days, school reopening has become a binary issue: one side says it is completely safe and children do not get sick; the other side sees schools becoming centers of infection, propagating the virus throughout the community. Children, whether they become sick with COVID-19 or not, can pass it on to teachers and parents, and thus to the community at large. Students of all ages do indeed congregate, and classrooms make it difficult for them to stay away from each other.”</em></p>



<p>This applies almost perfectly to what is happening today, as if nothing has changed in one year. So many things have changed. To state some obvious, the USA has a new president and France is getting into the presidential election campaign things. In both countries, today, vaccination is readily available.</p>



<p><strong><span style="color:#5182FF" class="color">NAMING THINGS </span></strong><br>French language has a couple of words for a common type of mixed-race people:<em> mulâtre </em>and<em> Eurasien(ne). </em>This vocabulary might seem like a tiny detail of no consequence. The word<em> mulâtre </em>is first recorded in the French language in 1544. A related word exists in English. As Wikipedia notes:</p>



<p>“The English term and spelling<em>&nbsp;mulatto&nbsp;</em>is derived from the Spanish and Portuguese<em>&nbsp;mulato.&nbsp;</em>It was a common term in the Southeastern United States during the era of slavery. Some sources suggest that it may derive from the Portuguese word<em>&nbsp;mula&nbsp;</em>(from the Latin<em>&nbsp;mūlus)</em>, meaning mule, the hybrid offspring of a horse and a donkey. The Real Academia Española traces its origin to<em>&nbsp;mulo&nbsp;</em>in the sense of hybridity; originally used to refer to any mixed-race person. The term is now generally considered outdated and offensive in non-Spanish and non-Portuguese speaking countries, and was considered offensive even in the 19th century.”</p>



<p>In 1858, France began founding colonies in Southeast Asia. French Indochina, at its peak, included Vietnam, Laos and Cambodia. The word<em>&nbsp;Eurasien(ne)</em>&nbsp;appeared at about that time. When writing this issue, I discovered that a similar word, which I had never before heard nor read, exists in English: “Eurasian.”,</p>



<p>In the most recent French census, at least 40% of respondents reported having at least one grandparent born as a foreigner. This indicates how much France continues to be a melting pot. France is experiencing racism on several levels. I could describe countless situations illustrating this problem. One small way to illustrate it is the story of the father of Alexandre Dumas, author of<em>&nbsp;The Three Musketeers.&nbsp;</em>Thomas-Alexandre Dumas, a general in Napoleon’s army, was of mixed race. Wikipedia has this to say about him:</p>



<p>“Born in Saint-Domingue, Thomas-Alexandre was the son of Marquis Alexandre Antoine Davy de la Pailleterie, a French nobleman, and Marie-Cessette Dumas, a slave of African descent. He was born into slavery because of his mother’s status, but his father took him to France in 1776 and had him educated. Slavery had been illegal in metropolitan France since 1315 and thus any slave would be freed de facto by being in France. His father helped him enter the French military.”</p>



<p>And in French Wikipedia:<br>&#8220;Mulâtre de Saint-Domingue, il est le premier général de l’armée française ayant des origines afro-antillaises. Il fit la campagne de Belgique, la guerre de Vendée (1793-1796), la guerre des Alpes, la campagne d’Italie (1796-1797) et la campagne d’Égypte (1798-1801).&#8221;</p>



<p>Today in French the word<em>&nbsp;métis&nbsp;</em>refers to mixed-race people in general. I have an interest in languages, and I find it interesting that in the USA there is no equivalent word to describe mixed-race people, even though there have been several different terms for African Americans in the past 60 years or so.</p>



<p>Having such a word would almost certainly not improve the situation, but does its absence reveal any differences between how race is regarded in France and the USA? Maybe to a few people. If there were an accepted word for people of mixed race, would it help the situation? Considering the growing number of mixed-race couples having children, it might be time to think about it, unless I misunderstand the issue.</p>



<p><span style="color:#5182FF" class="color"><strong>THE NEW LOGO FOR MY PRACTICE</strong> </span><br>Sometimes something good comes out of a bad accident. I moved to my new office near Nation almost five years ago, in mid-September 2016. At the time, my son gave me a stele he had carved all by himself. It has been in the courtyard near the entrance door of my office. This spring, it fell and about a third was shattered, making it impossible to repair.</p>



<p>My son had set aside a week or so in August to redesign the stele and make a new piece of art. After having drawn his motif, he worked in the courtyard for an entire week. He had noticed that in my previous issue, I expressed a desire that starting in September I would have a workload more compatible with my age. Now the new stele stands close to my office door, which should make it a strong reminder of this good resolution. Currently, I am managing to maintain somewhat stricter control over my schedule, which I have filled up to mid-October. My office has only been open for two weeks and I have kept my lunchtimes clear of meetings.</p>



<p>When Eric finished the stele, I published the picture of it on Facebook, where it got a lot of reaction. I also received an email about it from a client, who drew my attention to the word “kit” and recalled the idea of a military kit and the expression kit and caboodle. The email continued, “I liked the word ‘kit’. And I thought it was nice how the words were truncated to look nicer. Like Sur viv al kit made it poetic. I think it is truly a wonderful piece. And the part I am curious about is the flower, a certain kind of flower or an imaginary flower? Anyway, I thought the sculpture was great.</p>



<p>I answered:<br>“He has been following the evolution of my business as well as my desire to make those changes. So this sculpture illustrates or even symbolizes my future aspiration. Also, there is a lot of wordplay between French and English here. His first idea was to carve four feathers to symbolize writing as an author. Its translation in French is<em>plume,&nbsp;</em>which in French refers to a writing tool, often a fountain pen as well as a feather. So this sculpture evokes my desire in the future to write and maybe get published. As he was looking for inspiration, he saw the plants we have in the courtyard and they also look like leaves. In French, the translation is<em>feuille,&nbsp;</em>the word for a sheet of paper. So this is another way to symbolize the desire to write more as well as my everlasting love of writing. As for the choice Eric made in how to write the name of the corporation, he used the small space below the sculpture and was forced to dismantle the words.”</p>



<p><a href="https://www.facebook.com/jean.taquet">https://www.facebook.com/jean.taquet</a></p>



<p><strong><span style="color:#5182FF" class="color">NEWS ABOUT IMMIGRATION: ONE PAGE OF THE GOVERNMENT WEBSITE FITS ALL THE PROFESSIONAL CHANGES OF STATUS</span></strong><br>In the May 2021 issue, I detailed how the procedure had changed regarding immigration applications for getting a job as an employee. About two months after the new regulation went into effect, the immigration authorities decided to also put requests to become self-employed and obtain the<em> passeport talent </em>status on the same platform. I do not have enough of a track record with those procedures in the new system to say whether it is easier or harder to be approved, or whether the small number of initial documents requested is all that is needed or whether they will get back to you and ask for more. Here is how the procedure now goes:<br>1. Submit the request.<br>2. Get it approved and send the approval to a special email address: <a href="mailto: p&#112;&#x2d;&#x64;&#x70;g&#45;&#54;&#x62;&#x2d;c&#104;&#97;&#x6e;&#x67;em&#101;&#x6e;&#x74;&#x2d;d&#101;&#x2d;&#x73;&#x74;a&#116;&#117;&#x74;&#x40;i&#110;&#116;&#x65;&#x72;ie&#117;&#x72;&#x2e;&#x67;o&#117;&#118;&#x2e;&#x66;r.">&#x70;p&#x2d;&#100;p&#x67;&#45;&#x36;&#98;-&#x63;&#104;&#x61;&#110;g&#x65;&#109;&#x65;&#x6e;t&#x2d;&#100;e&#x2d;&#115;&#x74;&#97;t&#x75;&#116;&#x40;&#105;n&#x74;&#101;&#x72;&#x69;e&#x75;&#114;&#46;&#x67;o&#x75;&#118;&#46;&#x66;&#114;.</a></p>



<p>This is the site where you now carry out this procedure:&nbsp;<a href="https://ymlpcl1.net/4391fqysavaewebyalaqqqadajsew/click.php" target="_blank" rel="noreferrer noopener">https://administration-etrangers-en-france.interieur.gouv.fr</a></p>



<p><strong><span style="color:#5182FF" class="color">CURRENT REGULATIONS ON THE FRENCH HEALTH PASS</span></strong><br>I am almost afraid to write anything about this, as it feels that even with the vaccination program and the health pass, the regulations seem to change daily. That is an exaggeration, but it definitely feels that way.</p>



<p>I translated the guidelines the government issued in mid-August, on the various situations allowing one to obtain a<em>&nbsp;pass sanitaire.&nbsp;</em>I just hope some of it will still be pertinent when I send out this issue.</p>



<p>1. The first way to get the health pass is to be fully vaccinated. Vaccination is considered complete for those in one of the following situations:</p>



<ul class="wp-block-list"><li>7 days after the second injection for double injection vaccines (Pfizer, Moderna, AstraZeneca).</li><li>28 days after injection for a single injection vaccine (Johnson &amp; Johnson, aka Janssen).</li><li>7 days after a single injection of vaccine for people who previously had COVID-19.</li></ul>



<p>The certified vaccination certificate, or<em>&nbsp;pass sanitaire,&nbsp;</em>can be obtained by going to this site:&nbsp;<a href="https://ymlpcl1.net/333d5qyuazaewebyataqqqaiajsew/click.php" target="_blank" rel="noreferrer noopener">https://attestation-vaccin.ameli.fr</a></p>



<p>Since May 27, all vaccinated people have been able to collect their vaccination certificate from this site. In addition, any healthcare professional can find a vaccination certificate and print it upon request.</p>



<p>2. Proof of a negative test result fewer than 72 hours old (or 48 hours for antigen tests in the context of trips to certain destinations, such as Corsica, French overseas communities and the European Union)</p>



<p>All RT-PCR, antigen tests and now self-tests under professional supervision generate proof as soon as the result is entered by healthcare staff in SI-DEP, the new<em>&nbsp;système d&#8217;information de dépistage,&nbsp;</em>or COVID screening information system. The test result can be printed immediately for antigen tests and self-tests, under supervision of health professionals, and can also be made available to the patient after an email and SMS notifies them to retrieve it from the SI-DEP portal.</p>



<p>The patient then imports the results to the TousAntiCovid app. You can either scan the QR code located on the paper or PDF document issued by SI-DEP to accompany the test result, or click on a link in the SI-DEP portal, which allows the test result to be imported directly into TousAntiCovid.</p>



<p>The time limits of 72 or 48 hours for test validity, depending on the type of test, are supposed to be strictly observed when, for example, one enters the site of an event requiring a health pass.</p>



<p>For trips to Corsica, overseas communities or EU countries, self-tests under professional supervision are not admissible. Only RT-PCR and/or antigen tests are accepted.</p>



<p>3. A positive result from a RT-PCR or antigen test, attesting to recovery from COVID-19, dated from at least 11 days and less than 6 months previously. Such results indicate a limited risk of reinfection with COVID-19.</p>



<p>The health pass has been used in France since June 9, 2021, and makes it possible to check the holder’s vaccination status, test result or the certificate of recovery.</p>



<p>Here is the website where I found this information:&nbsp;<a href="https://ymlpcl1.net/0de88qyeafaewebyafaqqqazajsew/click.php" target="_blank" rel="noreferrer noopener">www.gouvernement.fr/pass-sanitaire-toutes-les-reponses-a-vos-questions.</a></p>



<p><strong><span style="color:#5182FF" class="color">MY BUSINESS HAS A NEW FACEBOOK PAGE</span></strong><br>Over the holidays, my assistant, Sarah, took an interesting initiative and created a new Facebook page. It is a good move for her since she and I both moderate it. She can show off her expertise and her ability to give good advice and clearly explain solutions. She does this in French, leaving the queries in English to me.</p>



<p>Since I am already active in a few Facebook groups and my website is my main showcase, I did not feel I needed such a page. On the other hand, it will no doubt benefit her. I do not have the time to monitor this forum and so far, it has been fairly quiet. Sarah is still figuring out how to handle this new task, being quite busy herself. I am sure it will be a great space for exchange, and hope it will pick up in the near future.</p>



<p>You are welcome to join:<br><a href="https://ymlpcl1.net/5724fqymafaewebyataqqqacajsew/click.php" target="_blank" rel="noreferrer noopener">https://www.facebook.com/rattachement</a></p>



<p>Best regards,</p>



<div id="kt-info-box_92907f-9c" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-left kt-info-halign-left kb-info-box-vertical-media-align-top"><div class="kt-blocks-info-box-media-container"><div class="kt-blocks-info-box-media kt-info-media-animate-none"><div class="kadence-info-box-image-inner-intrisic-container"><div class="kadence-info-box-image-intrisic kt-info-animate-none"><div class="kadence-info-box-image-inner-intrisic"><img decoding="async" src="https://www.jeantaquet.com/wp-content/uploads/2022/08/JeanTaquet-2.gif" alt="" width="147" height="132" class="kt-info-box-image wp-image-1932"/></div></div></div></div></div><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title"></h2><p class="kt-blocks-info-box-text"></p></div></a></div>



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<div id="kt-info-box_9ee5fb-4e" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-blocks-info-box-media-container"><div class="kt-blocks-info-box-media kt-info-media-animate-none"><div class="kadence-info-box-image-inner-intrisic-container"><div class="kadence-info-box-image-intrisic kt-info-animate-none"><div class="kadence-info-box-image-inner-intrisic"><img decoding="async" src="https://www.jeantaquet.com/wp-content/uploads/2022/08/qetA-01-300x153-1.png" alt="" width="300" height="153" class="kt-info-box-image wp-image-1870"/></div></div></div></div></div><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">QUESTION<br/><br/><em>HOW DOES MICRO SELF-EMPLOYED STATUS WORK?</em><br/></h2><p class="kt-blocks-info-box-text"><em>A few months ago someone in Australia hired me in a very “casual” way, i.e. no contract, etc., to help her find and buy items and furniture to be sent to her in Australia. She offered to pay me €30 per hour, on an eight-hour-a-week basis. Instead, I chose to be a self-employed trader – a second-hand dealer in France. I pay for each purchase and then I resell them to her for a small profit.</em><br/><em>The problem is that with my auto-entrepreneur status I can only report the total I charged and I cannot deduct the amount I spent. How can this be normal? I need a solution urgently, as I have some shopping for my employer and I want right now to deduct this from my taxes. For example, if she puts money in my account and I pay for the purchases with her money and I ask for the invoice in her name and not mine, I imagine that might work.</em></p></div></a></div>



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<div id="kt-info-box_471bf9-bd" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">ANSWER<br/><br/></h2><p class="kt-blocks-info-box-text">I would pretty much need to write a book about the legal and fiscal status of independent workers in France to give you a complete explanation. So I will just focus on the different ways of calculating taxable profit.<br/><br/>You have the status of a trader since you buy to sell as a primary activity and you give advice and get paid by the hour as a secondary activity. So your fiscal and legal status is<em> commerçant </em>and your income tax is based on industrial and commercial profit<em> (bénéfice industriel et commercial, </em>or BIC). This entails three different types of possible status, each with its own way of calculating profit and related accounting obligations:<br/><br/><strong>1 &#8211; Micro</strong> has a limit of 176,200€ for activities involving the sale of goods, sale to be consumed on the spot, or commercial rentals. A standard deduction of 71% for sales activities covers the expenses of running the business. Thus if you earn $100 (you have sold an item and received $100), the business expense related to that purchase is $71 and your profit is $29. You cannot itemize expenses with this status, its built-in standard deduction.<br/><br/><strong>2 &#8211; Réel simplifié</strong> is applied between 176,200€ and 818,000€ in sales (before VAT/TVA). The calculation of the profit is done by itemizing the business expenses.<br/><br/><strong>3 &#8211; Réel normal </strong>concerns entrepreneurs who achieve annual turnover excluding tax (CAHT) exceeding 818,000€. Taxation under this regime is also based on itemizing the business expenses.<br/><br/>You need to make a basic choice based on what is most important to you as well as what makes the most financial sense. In practical terms, if you can earn enough with the<em> micro </em>ratio of 29% profit and 71% business expenses, stay with it, as it involves virtually no paperwork.<br/>If calculations reveal that itemizing your expenses would decrease your profit and therefore allow you to pay less income tax and social charges, then make sure to add all the extra expenses that come with hiring an accountant to do your books, plus the time you will spend and the aggravation of having to do this administrative work.<br/>The calculation ends up being quite complex, and sometimes peace of mind is worth a lot more than financial gain.<br/>The other side of the issue should be reviewed, as it could be to your benefit. You are right about one thing: if your Australian partner pays the invoice directly to the merchant and the paperwork is in her name, nothing goes through your books. This means that she never sends you this money. As a consultant, you can always charge a fee, which would be what you see to be your profit as you defined it. In one way it secures the sale as you are not paying for it. At the same time, you need to invoice her for your compensation and you may run a risk of not being paid. I do not see this way as significantly better. The risk is different.</p></div></a></div>



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<div id="kt-info-box_5877a9-34" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-blocks-info-box-media-container"><div class="kt-blocks-info-box-media kt-info-media-animate-none"><div class="kadence-info-box-image-inner-intrisic-container"><div class="kadence-info-box-image-intrisic kt-info-animate-none"><div class="kadence-info-box-image-inner-intrisic"><img decoding="async" src="https://www.jeantaquet.com/wp-content/uploads/2022/08/qetA-01-300x153-1.png" alt="" width="300" height="153" class="kt-info-box-image wp-image-1870"/></div></div></div></div></div><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">QUESTION<br/><br/><em>WHO PAYS THE TAXE D’HABITATION: THE TENANT OR THE LANDLORD?</em><br/><br/></h2><p class="kt-blocks-info-box-text"><em>I came to Paris in 2015 on a titre de séjour étudiant and completed my studies in 2019. At that time, I converted to a Recherche d’emploi/Création d’entreprise carte de séjour, which lasted one year and was not renewable and expired in November 2020.</em><br/><em>Back against the wall, as I never got a job offer, I made a “plan B” appointment at the prefecture to change my status to entrepreneur/profession libérale. I had a business plan and I had registered with URSSAF as an auto-entrepreneur. The prefecture granted me one carte de séjour; I am still in shock that my request was approved.</em><br/><em>At first, I did not make enough to pay rent. I withdrew money from my American accounts to support myself here while I looked for work. They wanted to see that I made at least the SMIC for the year in an account in France, so a girlfriend of mine got me a good waitress job that paid twice the SMIC.</em><br/><em>A few days ago I was at the prefecture showing all the work I did. I saw an unhelpful woman at the guichet who told me to write in “Salarié” on the form, indicating my change of carte de séjour. I am concerned that this will interrupt my ability to do my freelance work. I wanted to add salarié, like my French boyfriend has done. I learned the other day that my future employer has since gone online to submit the 8-step form.</em><br/><em>I have been in France for six years now, got my master’s here and have now, finally, found an employer. I want to work as an employee and I would like to have my business helping anglophones relocate here to Paris at the same time.</em><br/><em>I am looking for any feedback, good or bad, about being able to keep both statuses.</em></p></div></a></div>



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<h2 class="wp-block-heading">ANSWER</h2>



<p>First of all, the starting point is deeply wrong. The tenant always pays the<em>&nbsp;taxe d’habitation.&nbsp;</em>The tax is owed by whomever occupied the lodging on the 1st of January of a given year. You pay the primary residence rate if you declare your worldwide income to France in May of the same year. The only case in which the owner pays the<em>&nbsp;taxe d’habitation&nbsp;</em>is if no one lives there (which means the owner could use it as a secondary residence). In Paris, the tax for a secondary residence is quite high. Thus your lease made you pay the secondary residence rate, since your landlord paid it. The most common reason to do this is that the owner is not declaring his/her rental income to the tax office and the best way to hide it is to have all utilities and internet included in the monthly payment so that nothing is in the tenant’s name. What must have happened is that either you registered a consulting business at this address, or the previous year you filed a French income tax declaration from it. I would not be surprised if his demand is motivated by wanting to get even with you for having done this and probably creating difficulties for him with his tax office.</p>



<p>Knowing this background should help you handle the situation as smoothly as possible. The only document that can achieve what you need is the<em>&nbsp;bordereau de situation fiscale (modèle P237),&nbsp;</em>often just called the<em>bordereau P237.&nbsp;</em>It is issued by your tax office upon request. It lists all the taxes you owed, the payments you made, and any balance remaining.</p>



<p>It can take a few days to get it in the mail. Sometimes you can get it right away in your<em>&nbsp;espace particulier,&nbsp;</em>your tax office account as a private individual.</p>



<p>My advice is to inform the agency that you have asked for it, saying you will submit the original document upon receiving it. See what happens. It might be their last request, in which case you will know if they want to play fair and their request for this proof is legitimate, or if they want to keep some or all of your security deposit.</p>
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<div id="kt-info-box_f44d54-65" class="wp-block-kadence-infobox"><div class="kt-blocks-info-box-link-wrap kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">DISCLAIMER<br/><br/></h2><p class="kt-blocks-info-box-text">Please forward this message to all those who would be interested in its contents. The information contained in this newsletter is intended only as general information. I strongly urge readers to seek professional guidance concerning the legal and tax matters mentioned. This newsletter is intended as a general guide and is not to be taken as professional advice.<br/></p></div></div></div>
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		<title>When I’m Sixty-Four</title>
		<link>https://www.jeantaquet.com/when-i-m-sixty-four/</link>
		
		<dc:creator><![CDATA[Jean]]></dc:creator>
		<pubDate>Thu, 01 Jul 2021 09:41:33 +0000</pubDate>
				<category><![CDATA[2021]]></category>
		<category><![CDATA[apartment]]></category>
		<category><![CDATA[elections]]></category>
		<category><![CDATA[Prefecture]]></category>
		<category><![CDATA[visa]]></category>
		<guid isPermaLink="false">https://www.jeantaquet.com/?p=2208</guid>

					<description><![CDATA[July-August 2021 I would like to wish you all you a great summer and a very nice vacation,&#160;enjoying the freedom of the moment.I will start mine in ten days&#160; When I get older, losing my hair,Many years from now,&#160;Will you still be sending me a Valentine,&#160;Birthday greetings, bottle of wine?&#160;If I&#8217;d been out till quarter [&#8230;]]]></description>
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<h5 class="wp-block-heading"><em>July-August 2021</em></h5>



<p><strong>I would like to wish you all you a great summer and a very nice vacation,&nbsp;enjoying the freedom of the moment.<br>I will start mine in ten days&nbsp;</strong></p>



<p>When I get older, losing my hair,<br>Many years from now,&nbsp;<br>Will you still be sending me a Valentine,&nbsp;<br>Birthday greetings, bottle of wine?&nbsp;<br>If I&#8217;d been out till quarter to three<br>Would you lock the door?&nbsp;<br>Will you still need me, will you still feed me,&nbsp;<br>When I&#8217;m sixty-four?&nbsp;<br>You&#8217;ll be older too<br>And if you say the word,&nbsp;<br>I could stay with you.&nbsp;<br>I could be handy, mending a fuse<br>When your lights have gone.&nbsp;<br>You can knit a sweater by the fireside,&nbsp;<br>Sunday mornings go for a ride.&nbsp;<br>Doing the garden, digging the weeds<br>Who could ask for more?&nbsp;<br>Will you still need me, will you still feed me,&nbsp;<br>When I&#8217;m sixty-four?&nbsp;<br>Every summer we can rent a cottage<br>On the Isle of Wight, if it&#8217;s not too dear.&nbsp;<br>We shall scrimp and save.&nbsp;<br>Grandchildren on your knee:&nbsp;<br>Vera, Chuck and Dave.&nbsp;<br>Send me a postcard, drop me a line,&nbsp;<br>Stating point of view.&nbsp;<br>Indicate precisely what you mean to say,&nbsp;<br>Yours sincerely, wasting away.&nbsp;<br>Give me your answer, fill in a form,&nbsp;<br>Mine forever more.&nbsp;<br>Will you still need me, will you still feed me,&nbsp;<br>When I’m sixty-four?</p>



<p>Well, not quite – I just turned 62, the ripe age to retire in France. Some days I feel as old and in as bad shape as the song states. By the way, we do not have grandchildren yet! My birthday was yesterday.</p>



<p>After over two difficult years, I am seriously looking forward first to my vacation, starting in a few days on July 9th, as well as decreasing my workload starting in September so it is compatible with my age. One thing needed is stricter control over my schedule. Way too often I meet clients at lunchtime so I can accommodate their urgency. In retrospect, I realize this is no longer sustainable.</p>



<p>Even though there should be no more curfew or confinement in the foreseeable future, I have enjoyed getting home in time for dinner, and will make sure I continue to do so.</p>



<p>I am happy that I continue to have projects I want to do and the desire to get a few things done, both personal and professional. I have no intention of retiring but I have come to terms with the fact that I need to slow down. I also count on the pandemic being pretty much behind us: even though it will be a new normal, things will likely settle down to the extent that I can put together robust plans for my clients, knowing the rules and regulations are no longer liable to change overnight.</p>



<p><span style="color:#5182FF" class="color"><strong>EXPECTATIONS ABOUT BEING OLD</strong> </span><br>Another song sung by the young about being old and at the end of a career, like “When I&#8217;m Sixty-four,” is a French one. “Quand j&#8217;étais chanteur” (when I was a singer) came out in 1975, when the artist, Michel Delpech, was only 29 years old. It is a bold move by young artists, early in their career, to sing about its end. The vast majority of people do not like to think about getting old and what it means in terms of staying fit physically and mentally.</p>



<p>Western culture glorifies youth, being athletic, having a perfectly toned body. Asian and African cultures, by contrast, traditionally value older age, which they associate with knowledge, wisdom, authority.</p>



<p><span style="color:#5182FF" class="color"><strong>HANDLING CULTURAL DIVERSITY</strong> </span><br>I have been a fan of John Oliver since his debut with The Daily Show. His Wikipedia bio states:</p>



<p>“John William Oliver (born 23 April 1977) is a British-American comedian, writer, producer, political commentator, actor, and television host. Oliver started his career as a stand-up comedian in the United Kingdom. He came to wider attention for his work in the United States on<em>&nbsp;The Daily Show with Jon Stewart&nbsp;</em>as its senior British correspondent from 2006 to 2013. … Since 2014, Oliver has been the host of the HBO series<em>&nbsp;Last Week Tonight with John Oliver.”</em></p>



<p>I watch this program online the Monday after it airs, when it becomes available on YouTube. Recently Oliver addressed two topics that resonated with me personally.</p>



<p><strong>“hair, specifically black hair” on May 10th&nbsp;</strong><br>The first was “hair, specifically black hair.” I have been a member of the African Fellowship of the American Church in Paris since 2003. I have learned a lot and continue to be honored to feel I belong there. This connection has led to many interesting situations stemming from cultural differences and my need to quickly adapt. Oliver’s commentary in his May 10th segment called “Hair” was 100% right: Either you were born with it or you have no idea what it means, unless you have been personally confronted with the issue. I was amazed how balanced the program was. Although this white, British-born man admitted he had no grounds for addressing the issue, he managed to explain its many facets in a caring way.</p>



<p>Like him, I am a complete outsider. I had no idea about this issue until I was faced with it. About 15 years ago, I met with a friend from Zimbabwe one Saturday afternoon in Paris’s Chateau Rouge neighborhood, which is largely African. Most everything from the continent is available, and almost as much business is done on the sidewalk and even the street itself as in the shops. Eventually we went into beauty product shops. She went in first and I followed. What I was used to seeing, regarding hair care, was not there. Instead, I discovered a new world. Even the topics of discussions were different.</p>



<p>Eventually, I walked into one such shop first, momentarily blocking my friend from view. “A fish out of water” would be a major understatement. I was met by the saleswomen with total disbelief. It was inconceivable that I could have any business there. Clearly, I did not belong. A few seconds later, my friend stepped up and the situation went back to something more normal.</p>



<p>That is how I became familiar with this issue and with the huge disconnect between the standard hair care industry in the Western world and what it means to have black hair.&nbsp;<br>You can watch the segment here:&nbsp;<a href="https://youtu.be/29lXsOYBaow" target="_blank" rel="noreferrer noopener">www.youtube.com/watch?v=Uf1c0tEGfrU</a></p>



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<p><strong>“Asian Americans” June 7th&nbsp;</strong><br>About a month later, Oliver’s main topic was Asian Americans. My wife and I used to be active members of the Multicultural Couples group at the American Church, which was started about 15 years ago. The members were often Franco-American couples, but not always. I remember a Spanish-Russian couple who had to do everything twice – wedding, baptisms – since their families were traditional and religious, so the ceremonies had to be first Catholic and then Orthodox. Stuck in the middle, this couple had to deal with all kinds of issues, the most obvious being juggling how and when to celebrate Christmas and Easter.</p>



<p>Another couple who caught my attention were both East Asian. Their story was a true eye-opener, and still fascinates me all these years later. In both cases, their parents came from the area of Wenzhou, a port city in Zhejiang province, China. Thus they spoke the same dialect, ate the same food, were raised with similar parental styles in the same culture and traditions. During their courtship, they felt they had everything in common and there were no cultural differences for them. Only after they married and had lived together for a while did they realize how far apart they were culturally. The husband was born and raised in Canada and the wife in the Belleville neighborhood of Paris. One was a Canadian citizen, educated in Canada, with Canadian reflexes. The other was French, with French schooling and everything that goes with it. Unlike the other couples in the group, they had never expected to have to adapt to each other’s culture and deal with obvious differences.</p>



<p>On June 7th, John Oliver’s segment titled “Asian Americans” dealt with the diverse population in the USA with origins in Asia, especially Southeast Asia. Along with Chinese immigrants, with whom they are often conflated, these people have been the victims of racist aggression in recent years, especially since the beginning of the pandemic. John Oliver discussed the stereotypes associated with Asian Americans. Regardless of whether they reflect reality, stereotypes are hurtful.&nbsp;<br>Once again, I was impressed by how easy he made it seem to explain complex issues in detail:<a rel="noreferrer noopener" href="https://ymlpcl1.net/108caqwyacaeweujazaueapajsew/click.php" target="_blank">www.youtube.com/watch?v=29lXsOYBaow</a></p>



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<p>Recalling these episodes of<em>&nbsp;Last Week Tonight&nbsp;</em>was an attempt to choose some lighter topics and stay as far as possible from the political issues of the moment. It is aligned with my job which is, among other things, to adapt to the cultural differences, which I face while trying to help foreigners living in France.</p>



<p><strong><span style="color:#5182FF" class="color">FRENCH LOCAL ELECTIONS</span></strong><br>On consecutive Sundays, June 20th and 27th, France held elections for the regional and departmental levels. Turnout is always lower in local elections than in national ones, which involve presidential elections. This time, the vast majority of eligible voters stayed away, setting a record low of 33.28% voters. Of course, everybody has an explanation and blames others for the situation. I do not believe there is just one reason or one person to blame. But a particular reason I have heard makes sense to me, although I am sure it is not the only one and may not be the most important.</p>



<p>France’s regions have their roots in provinces that were formed after the fall of the Roman Empire. They have always had strong cultural identities. Even today, some have their own languages, not always with Latin roots. Law No 2015-29 of January 16th, 2015, turned 22 historical provinces into 13 regions, thus aggregating areas that often had little in common except being next to each other. In American terms, it would be like joining Texas and Louisiana in a single unit just because they share a border. True, Brittany and Corsica were left alone in the reorganization. Both had suffered terrorist attacks in the 1970s in campaigns for independence from France. This may have deterred the central government from changing their status. These two exceptions could make my comparison with Texas and Louisiana less pertinent.</p>



<p>The real issue is that one motivation for voting is to feel engaged in matters. Ideally, it is things like knowing the candidates personally and having an opinion on local projects that draw people to the voting booth.</p>



<p>Also, there were two elections at the same time, as the one for the<em>départements&nbsp;</em>had originally been scheduled during the pandemic. The structure of the<em>&nbsp;départements&nbsp;</em>has scarcely changed in 200 years. I cannot remember France ever conducting elections for two levels at once, though this is the norm in the USA, with multiple ballots.</p>



<p>Many think the French democratic system is in crisis. If the low turnout in June proves to be an isolated incident, COVID-19 may be one of the main reasons. But I am not convinced of it.</p>



<p><strong><span style="color:#5182FF" class="color">ALL TYPES OF VISA ARE NOW AVAILABLE</span></strong><br>For a long time, I was asked almost daily when the French consulate in Washington, DC, and VFS Global’s offices would fully reopen. Now information I am getting through my clients indicates that things started to move after June 9th, and it seems that everything was back to normal by the 21st. That is so recent that I do not know how easy the visa issuance is, the timeframe for each type of visa, and so on. Overall, though, this is going to facilitate my work a lot, making it much easier to help clients plan their immigration projects.</p>



<p><strong><span style="color:#5182FF" class="color">CONSEQUENCES OF BREXIT AT THE PREFECTURES</span></strong><br>Advice on French administration websites says if you could prove you settled in France before December 31st, 2020, you had to file your request for an EU card by June 30th, 2021. Then the actual <em>carte de séjour </em>must be available before September 30th. Those who settled after December 31st have no EU card available and they have to prove grounds for residency as defined by the six types of <em>cartes de séjour:</em></p>



<ul class="wp-block-list"><li><em>– visiteur</em><em></em></li><li>– étudiant<em></em></li><li>– salarié<em></em></li><li>– vie privée &amp; familiale<em></em></li><li>– commerçant &amp; artisan<em></em></li><li><em>– passeport talent</em></li></ul>



<p>Hence, I strongly advise British people to ask for immigration status immediately by booking an appointment with VFS Global. The challenge is to put together a file corresponding to one of the choices above. In my experience, many British people got used to coming and going, having part of their life in France, while never establishing solid roots that would enable them to obtain a<em>&nbsp;carte de séjour.&nbsp;</em>It will be a rude awakening to find out that they need to ask for a visa and give a reason in order to spend more than three months in France!</p>



<p><strong><span style="color:#5182FF" class="color">TENANTS LEAVING AN APARTMENT UNOCCUPIED CAN LOSE THE LEASE</span></strong><br>The tenant of a primary residence is well protected and almost nothing can be done to jeopardize the right to stay there. As almost everybody knows, it can take about three years to expel a non-paying tenant. I have reported on a case where a tenant lost their right for running an Airbnb rental business, and common sense indicates that engaging in criminal activities and living in deeply unsanitary conditions would also affect the right to stay.</p>



<p>Now a court decision has shed light on a more obscure provision: occupying the premises. One would think it is evident that a person would only pay rent for a long time if they live there. But the pandemic led to situations where people left their rented lodgings vacant for a year or more. Even if such a pandemic occurs only once a century, situations where rent is paid for months or even years, without anyone staying there, exist more often than one would think.</p>



<p>The tenant of the main residence must occupy it “effectively and continuously,” i.e., at least eight months a year, failing which the lease may be terminated. The Cour de Cassation, the French Supreme Court, in a ruling on May 6th, 2021, shed some interesting light on this issue. It involves the terms of the standard lease, which state that the tenant must occupy the lodging. This is also a provision in French law.</p>



<p><em>Obligation du locataire d&#8217;occuper effectivement et personnellement le logement. Lorsque le logement est occupé à titre de résidence principale, le locataire est tenu d&#8217;user paisiblement des locaux loués suivant la destination qui leur a été donnée par le contrat de location (loi du 6.7.89 : article 7).</em></p>



<p>In other words, “The tenant is obliged to effectively and personally occupy the dwelling. When the dwelling is occupied as a principal residence, the tenant is obliged to use the rented premises peacefully according to the purpose assigned to them in the rental agreement.&#8221;</p>



<p>Here is a summary of the case in question: In 2014, the landlord wondered if the tenant still occupied the premises, even though the rent was paid. He went to court to obtain the right to verify the tenant’s presence. A bailiff forced the lock and observed that the apartment “had not been inhabited for a long time.&#8221; This was confirmed by the minimal water consumption and the presence of unopened mail dating back to 2008. The tenant lost the lease as a result.</p>



<p>I am sure it is extremely rare for a tenant to pay rent on an apartment left empty for years. Still, many foreigners are unaware of the importance of the primary residence, and therefore of choosing one. The primary domicile address is the cornerstone of a large part of the French legal system, despite the fact that in 2021 hardly any postal mail is still delivered.</p>



<p><a href="https://ymlpcl1.net/7d206qqsaraeweujaiaueagajsew/click.php" target="_blank" rel="noreferrer noopener">www.lemonde.fr/argent/article/2021/06/05/immobilier-le-locataire-qui-s-absente-trop-risque-l-expulsion_6082950_1657007.html</a></p>



<p><strong><span style="color:#5182FF" class="color">MY BUSINESS HAS A NEW FACEBOOK PAGE</span></strong><br>Over the holidays, my assistant, Sarah, took an interesting initiative and created a new Facebook page. It is a good move for her since she and I both moderate it. She can show off her expertise and her ability to give good advice and clearly explain solutions. She does this in French, leaving the queries in English to me.</p>



<p>Since I am already active in a few Facebook groups and my website is my main showcase, I did not feel I needed such a page. On the other hand, it will no doubt benefit her. I do not have the time to monitor this forum and so far, it has been fairly quiet. Sarah is still figuring out how to handle this new task, being quite busy herself. I am sure it will be a great space for exchange, and hope it will pick up in the near future.</p>



<p>You are welcome to join:<br><a href="https://ymlpcl1.net/58926qquaaaeweujazaueacajsew/click.php" target="_blank" rel="noreferrer noopener">https://www.facebook.com/rattachement</a></p>



<p><strong><span style="color:#5182FF" class="color">SUMMER VACATION: THE OFFICE WILL BE CLOSED JULY 9th to AUGUST 23rd</span></strong><br>The office will be closed for a month and a half, starting Friday, July 9th, and reopening on Monday, August 23rd. As always, I will be reachable by email for emergencies and important matters. My service of receiving mail for clients will continue while the office is closed.</p>



<p><strong><span style="color:#5182FF" class="color">THE SEPTEMBER ISSUE ALREADY HAS A TITLE</span></strong><br><em>Dreamboat Annie </em>was the band Heart’s first album. A reader challenged me to title the next issue this way. Two years ago, for the July 2019 issue, I was faced with the same challenge with “Father and Son” by Cat Stevens. This time the challenge is much more difficult.</p>



<p>I would like to remind everyone that there will be no August issue.</p>



<p>Best regards,</p>



<div id="kt-info-box_92907f-9c" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-left kt-info-halign-left kb-info-box-vertical-media-align-top"><div class="kt-blocks-info-box-media-container"><div class="kt-blocks-info-box-media kt-info-media-animate-none"><div class="kadence-info-box-image-inner-intrisic-container"><div class="kadence-info-box-image-intrisic kt-info-animate-none"><div class="kadence-info-box-image-inner-intrisic"><img decoding="async" src="https://www.jeantaquet.com/wp-content/uploads/2022/08/JeanTaquet-2.gif" alt="" width="147" height="132" class="kt-info-box-image wp-image-1932"/></div></div></div></div></div><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title"></h2><p class="kt-blocks-info-box-text"></p></div></a></div>



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<div id="kt-info-box_9ee5fb-4e" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-blocks-info-box-media-container"><div class="kt-blocks-info-box-media kt-info-media-animate-none"><div class="kadence-info-box-image-inner-intrisic-container"><div class="kadence-info-box-image-intrisic kt-info-animate-none"><div class="kadence-info-box-image-inner-intrisic"><img decoding="async" src="https://www.jeantaquet.com/wp-content/uploads/2022/08/qetA-01-300x153-1.png" alt="" width="300" height="153" class="kt-info-box-image wp-image-1870"/></div></div></div></div></div><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">QUESTION<br/><br/><em>IS SELF-EMPLOYMENT IN FRANCE &amp; EMPLOYEE IN THE USA COMPATIBLE?</em><br/></h2><p class="kt-blocks-info-box-text"><em>Following your answers read on Facebook, I&#8217;m just asking a follow-up question. With a micro-entrepreneur permit in France, as a consultant, I leave France for a year or two to take up a job in country X. During that time, I pay micro-entrepreneur related taxes to France and job-related taxes to X. At this time, I’m a fiscal resident of France but since I don’t have a physical residence in France, will that be a problem if I want to count this time of absence towards my applying for residency (= ten-year card) in France? I noticed that in your answer, you mentioned legal and fiscal residency is needed even though one lives abroad. So what constitutes legal residency?</em></p></div></a></div>



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<div id="kt-info-box_471bf9-bd" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">ANSWER<br/><br/></h2><p class="kt-blocks-info-box-text">I would like to answer the legal question and then add some scenarios showing some obvious problems with your premises.<br/>Being self-employed in France, with a SIRET ID number, makes you a full resident of France, which means you legally and fiscally reside in France, regardless of where you are physically located. No matter where you are, you have a legal obligation to declare to France all payments your self-employed work generates, all over the world. This income is taxed in France. You can on occasion hold employee positions in foreign countries where you have the right to do so, either because you are a national or because you obtain the right. This is compatible with the self-employed French immigration status that excludes being an employee in France, as the job is in a foreign country where France has no jurisdiction. Being eligible for the<em> carte de résident </em>means having to prove a minimum of five fiscal years in France. Holding French self-employed status allows you to prove that.<br/><strong>1 &#8211; Holding a four-year carte de séjour</strong><br/><strong>a &#8211; Several missions as a consultant and two years outside of France</strong><br/>During this entire time, you pay French income tax and French social charges (to URSSAF). You declare your entire income to France. Nothing here threatens your French residency. You need to make sure that you keep a French address and that someone handles your postal mail and has a postal power of attorney so they can pick up any registered letters<br/><br/><strong>b- Several missions as a consultant and a part-time employee position outside of France</strong><br/>You have an employee position that demands that you spend time outside of France. It does not affect your French business, as you still report enough income to France. The prefecture, at renewal time of your immigration status, sees that your French business secures your right to stay legally in France. By the way, such missions can be done in France or elsewhere; it does not make much difference.<br/><br/><strong>c &#8211; A full-time position in a foreign country lasting a year or more</strong><br/>This situation would most likely create a dangerous situation for you. It is not working full time that creates the problem but rather the fact that your French self-employed activity could decrease significantly, putting your immigration status in serious jeopardy. Your<em> carte de séjour </em>was issued and renewed because you had a taxable income at least equal to the minimum wage. If your French income dives below this minimum for a year or more, you de facto legally lose the right to your French immigration status. Even if you maintain your French income above the minimum but it drops by half or more, the prefecture will ask you for a detailed explanation, especially since your foreign employment income will appear on your French tax documents. If your foreign salary exceeds your French income, how can you prove that your French business is your anchor in France, where your primary residence is and, in this case, is supposed to be?.<br/><br/>Your focus at all times must be on ensuring that your French business, at the very least, generates the majority of your income. The second focus is on maintaining steady French business and, if there is a dive, being able to explain it with business reasons, such as loss of a client, poor health for a few months, and so on.<br/><br/><strong>2 &#8211; Holding a one-year<em> carte de séjour</em></strong><br/>In this case, you must be in France to submit the request for renewal of your immigration status and again to pick up your card. The annual scrutiny by the prefecture makes this incompatible with working for a year or more in another country as an employee. Your passport will show your travels in and out of France. Your spending pattern as reflected in your French bank account statements will show if you are in France or not. Although usually you would only have to show professional account statements, if the prefecture questions your presence in France, it will ask for your personal account too.<br/>To conclude, you have<em> auto-entrepreneur profession libérale </em>fiscal status. This means your annual sales must stay below 70,000€. All things considered, this is a low amount to take a foreign job without jeopardizing your French immigration status. I would also remind you that the prefecture has direct access to many databases of divisions of the French administration, including URSSAF. Therefore, even if you hold a four-year card, the prefecture can learn about your French business decrease and send you an appointment to demand an explanation, with very little notice. In short, while the scenario you describe is legally possible, in your case it is virtually impossible. Again, your French self-employed business is the only thing enabling you to hold the<em> carte de séjour profession libérale.</em></p></div></a></div>



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<div id="kt-info-box_5877a9-34" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-blocks-info-box-media-container"><div class="kt-blocks-info-box-media kt-info-media-animate-none"><div class="kadence-info-box-image-inner-intrisic-container"><div class="kadence-info-box-image-intrisic kt-info-animate-none"><div class="kadence-info-box-image-inner-intrisic"><img decoding="async" src="https://www.jeantaquet.com/wp-content/uploads/2022/08/qetA-01-300x153-1.png" alt="" width="300" height="153" class="kt-info-box-image wp-image-1870"/></div></div></div></div></div><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">QUESTION<br/><br/><em>OWNING AND SELLING REAL ESTATE IN FRANCE: CAPITAL GAINS AND PRIMARY RESIDENCE</em><br/><br/></h2><p class="kt-blocks-info-box-text"><em>I own an apartment in Paris in full. I finally got in there after almost two years of being blocked. I never want that to happen again. I need to secure my stay in France once and for all. My apartment is quite spacious and therefore great for a family of three children in the 16th arrondissement. Now that I am single and an empty nester, I need to downsize some and get to a livelier neighborhood. My children want to keep a place to stay in Paris, but I am afraid of French estate taxes. Right now I am even more afraid of the capital gains tax I will pay when I sell the apartment</em></p></div></a></div>



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<h2 class="wp-block-heading">ANSWER</h2>



<p>You raise a lot of different issues, which have an impact on each other, making it difficult to sort out and explain. So I will go chronologically, which should make it easier to answer.</p>



<p><strong>1 &#8211; The long stay<em>&nbsp;visiteur&nbsp;</em>visa and related<em>&nbsp;carte de séjour</em></strong><br>Now that this immigration status is now being issued again, the next time you are back in the USA, go through VFS Global and then the French consulate to get the long-stay<em>&nbsp;visiteur&nbsp;</em>immigration visa. It requires you to prove means, a French address, and health coverage in France. A year later you submit your request to the prefecture and get a<em>&nbsp;carte de séjour.</em></p>



<p><strong>2 &#8211; Becoming a French fiscal and legal resident</strong><br>You have a huge financial interest in declaring your Parisian apartment as your primary residence as soon as possible. This means you have to declare your worldwide income to France and you might have to pay a professional to do this declaration. But here are the benefits you getting by doing so:</p>



<p>The<strong><em>&nbsp;taxe d&#8217;habitation,</em>&nbsp;</strong>the local tax paid by the tenant, which I assume was between 3,000€ and 4,000€ a year, will be less than 1,000€ for sure and maybe as low as 500€. A primary residence gets a significant discount, while a secondary residence is punitively taxed.</p>



<p>The<strong>&nbsp;wealth tax&nbsp;</strong>starts being owed when the value of real estate owned in France reaches 1.3 million euros, and I am pretty sure that you are paying it. Claiming the place as your primary residence allows you to discount the market value of the apartment by 30%. At the very least, it means a substantial decrease in the amount of tax to be paid, and you might not have to pay it at all, as this reduction could put it below the threshold.</p>



<p>When it comes to<strong>&nbsp;capital gains tax,&nbsp;</strong>France does not tax the sale of the primary residence. The main requirement is to prove that you have had your primary residence there for a minimum of two years. This should not be too difficult to do while you look for a new place.</p>



<p><strong>3 – Buy the new place through an SCI and have your children be shareholders with you</strong><br>This requires a complex decision, but the scenario I have in mind would address your priorities, let you pass the apartment to your children, and minimize estate taxes and other gift taxes.</p>



<p><strong>Creating an SCI<em>&nbsp;(Société Civile Immobilière)&nbsp;</em>with your children presents two major issues.</strong></p>



<ul class="wp-block-list"><li>a &#8211; Should you wish to sell, you would not benefit from the above-mentioned tax break even though it is your primary residence, because the owner is the SCI and not you. This should not be a problem, however, as you plan on passing it onto your children.</li><li>b &#8211; Because you will be a French legal and fiscal resident, there is a limit on how much you can give your children tax-free, and the gift or sale of shares must be recorded with the local business court, the<em>&nbsp;greffes du Tribunal de Commerce.</em></li></ul>



<p>It also has considerable advantages, however.&nbsp;</p>



<ul class="wp-block-list"><li>a &#8211; You can gift the shares without going through a<em>&nbsp;notaire&nbsp;</em>and therefore do it at reduced cost.</li><li>b -Since the ownership is split among the partners, the risk of having to pay the current real estate wealth tax is slim.</li><li>c &#8211; You can be a minority shareholder, even with a tiny portion, and still have a preferential or even perhaps exclusive right to live there during your lifetime.</li><li>d &#8211; Because of this flexibility, you can pass on the ownership of the shares in such a way that it reduces the net worth of your estate.</li><li>e &#8211; The bylaws should be drafted in such a way that no new shareholder can come in except with a complex unanimous vote, which keeps your children’s spouses out of the SCI. Normally the expenses occurred by the SCI should be split according to ownership ratio. But if you have its exclusive use, you may bear all costs, such as like the condominium charges and local taxes such as&nbsp;<em>taxe foncière</em>(property tax).</li><li>f &#8211; The SCI is an excellent legal set-up should you all decide to rent out the place: It is a corporation, it can itemize expenses, and one can even draw a salary managing it. The profit is then split among the shareholders.</li></ul>



<p>This is a solution that should be seriously considered, for all the reasons above. It should give you a long-term plan of action that covers just about all your goals and concerns.</p>
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<div id="kt-info-box_f44d54-65" class="wp-block-kadence-infobox"><div class="kt-blocks-info-box-link-wrap kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">DISCLAIMER<br/><br/></h2><p class="kt-blocks-info-box-text">Please forward this message to all those who would be interested in its contents. The information contained in this newsletter is intended only as general information. I strongly urge readers to seek professional guidance concerning the legal and tax matters mentioned. This newsletter is intended as a general guide and is not to be taken as professional advice.<br/></p></div></div></div>
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		<title>AWAKENING</title>
		<link>https://www.jeantaquet.com/awakening/</link>
		
		<dc:creator><![CDATA[Jean]]></dc:creator>
		<pubDate>Tue, 01 Jun 2021 08:07:31 +0000</pubDate>
				<category><![CDATA[2021]]></category>
		<category><![CDATA[Bank]]></category>
		<category><![CDATA[Brexit]]></category>
		<category><![CDATA[EU]]></category>
		<guid isPermaLink="false">https://www.jeantaquet.com/?p=2214</guid>

					<description><![CDATA[June 2021 Thunder awoke me I sat up my feet on the floorSilver the lightning that shattered the lock on my doorFeel like I’ve lived my life longJust waiting for this day to dawn Racing through time toward the lightWe just do what we mustWe’re more than just ashes our spirits are more than just [&#8230;]]]></description>
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<h5 class="wp-block-heading"><em>June 2021</em></h5>



<p>Thunder awoke me I sat up my feet on the floor<br>Silver the lightning that shattered the lock on my door<br>Feel like I’ve lived my life long<br>Just waiting for this day to dawn</p>



<p>Racing through time toward the light<br>We just do what we must<br>We’re more than just ashes our spirits are more than just dust<br>Ancient we stood in the sun<br>Older when time first began<br>Now by the light shining through from within<br>We’ll find our way back to the stars once again</p>



<p>“Awakening” is the fourth song on<em>&nbsp;Freedom at Point Zero,&nbsp;</em>the fifth album by Jefferson Starship, released in 1979.</p>



<p>I could have chosen the similarly titled Alice Cooper song, “The Awakening,” from the album&nbsp;<em>Welcome to My Nightmare,&nbsp;</em>released in 1975. But since I wanted to allude to the almost overnight revival of Paris and France in general, the latter was surely not the right choice. I believe there is a lot more to say by juxtaposing “Awakening” and<em>&nbsp;Freedom at Point Zero.&nbsp;</em>In our current context, this should spark some interesting discussion.</p>



<p>On May 19th most lockdown limitations were lifted and, in a matter of a couple of days, Paris woke up and was alive again. Such a radical change in such a short time made a significant impression on me. As I rode my bicycle home in the northern part of the 11th arrondissement, people crowded the cafés, the sidewalks and, in some places, even the streets. Earlier in the day, the shops had opened again. I have seen and heard many people use the expression “Paris woke up,” and it describes exactly what I saw.</p>



<p>France’s vaccination campaign is gaining in momentum and it is possible there will be no new wave of infection as the number of vaccinated people increases.</p>



<p><strong><span style="color:#5182FF" class="color">FRENCH BORDERS ARE SLOWLY REOPENING – IT IS A START!</span></strong><br>Considering now how close it is, it can be assumed that on June 9th vaccinated Americans will be allowed to visit France using only their American passport with proof of vaccination and other sanitary documents that might be required. The French authorities refer to<em>&nbsp;accueil des touristes étrangers avec passe sanitaire.&nbsp;</em>This applies to all non-EU foreigners and not just to Americans. In the USA and other countries, people talk about a vaccine card or vaccine passport. Governments are promoting – and, in France, implementing – the principle that to regain total freedom of movement, travelers must be able to prove they have been vaccinated. Some see it as a form of coercion, which it is. In France, this is a common way of implementing policies.</p>



<p>This is a significant change in immigration policy and I believe it signals that French consulates are likely to resume handling all types of visa requests sometime this summer. I do not have a specific date – unfortunately, as I am asked about this almost daily.</p>



<p>I should be able to give more details in the July-August issue, just before vacation.</p>



<p><strong><span style="color:#5182FF" class="color">THE UK, BREXIT AND PROOF OF LODGING</span>&nbsp;</strong></p>



<p>There have always been two ways to provide an affidavit of lodging when submitting a visa request for France:&nbsp;<br>1 &#8211; a document signed only by the person making the request or&nbsp;<br>2 &#8211; a document issued by the town hall where the person will be staying.</p>



<p>Recently, questions arose regarding a communication from the UK government on foreign travel advice for France at&nbsp;<a href="https://ymlpcl1.net/8b332qbmaraewuqbanaehqaoajsew/click.php" target="_blank" rel="noreferrer noopener">www.gov.uk/foreign-travel-advice/france/entry-requirements&nbsp;</a>. The Foreign Office put out this alert about the post-Brexit, post-lockdown rules for short visits by British nationals to France. In addition to advising British visitors to consult information on travel requirements posted on French governmental sites, it notes.</p>



<p>“At French border control your passport may be stamped on entry and exit. You should also be prepared to … show proof of where you intend to stay for example, a booking confirmation or proof of address if visiting your own property (e.g., second home).” It specifies that if staying with friends or family, “you may be requested to provide an<em>&nbsp;‘attestation d’accueil’&nbsp;</em>(welcome invitation) from your host,” and links to&nbsp;<a href="http://www.demarches.interieur.gouv.fr/particuliers/attestation-accueil">www.demarches.interieur.gouv.fr/particuliers/attestation-accueil</a>.</p>



<p>There is a considerable difference between the affidavit of lodging<em>&nbsp;(attestation d&#8217;hébergement)</em>&nbsp;and the<em>attestation d´accueil.&nbsp;</em>The affidavit of lodging<em>(attestation d&#8217;hébergement)&nbsp;</em>comprises at least three documents:&nbsp;</p>



<ul class="wp-block-list"><li>a statement signed by the person hosting.</li><li>a copy of an official ID, such as a passport or national ID card</li><li>a proof of address less than three months old, usually a utility or internet provider bill or a home insurance statement.</li></ul>



<p>This set of documents is commonly used at the prefecture and the consulate when asking for a long stay visa, regardless of type.</p>



<p>The ‘welcome invitation’ or<em>&nbsp;‘attestation d´accueil’&nbsp;</em>is a document issued by the local town hall in France after inquiries about the premises where the visitors are staying. It has to be requested in advance, and can be denied. It is used for short stays in private homes by nationals of countries not benefiting from the Schengen visa waiver program, which allows travel in the EU without a visa.<br><a href="https://ymlpcl1.net/32b5bqbjaaaewuqbalaehqarajsew/click.php" target="_blank" rel="noreferrer noopener">www.thelocal.fr/20210519/attestation-daccueil-why-you-may-need-to-register-your-british-guests-at-your-local-french-town-hall/</a>.</p>



<p><strong><span style="color:#5182FF" class="color">MOST EUROPEAN COUNTRIES HAVE LESS BALANCE OF POWERS THAN THE USA</span></strong><br>Since the publication of my first column in March 1994, I have received my share of critical responses. Sometimes people get angry regardless of how hard I try to stay neutral in what I present. I often remind my readership that I am French, living and working in France, and one of my main objectives is to share my analysis on issues I find striking to illustrate the differences and similarities between how things work in France and elsewhere, hoping to encourage better understanding.</p>



<p>In recent years, a lot of issues have deeply polarized the US population. Addressing some of them can bring vehement responses. Across the entire spectrum of US news media, something they all refer to frequently is the balance of power between the executive, legislative and judicial branches of government. Many consider this the best structure to ensure the most democratic system possible. But it is also an oddity compared to much of the world, where the executive branch usually has more control over the other two.</p>



<p>The US political system uses the constitution the Founding Fathers drafted, with only slight modification over the centuries. By contrast, in the same period most European countries have changed their political regimes several times. The only French attempt to have such a perfectly balanced set-up was during the Second Republic, from February 24th, 1848, to December 2nd, 1852. It ended when President Louis-Napoléon Bonaparte staged a coup and became Emperor Napoléon III, whereupon the French democratic system disappeared once again. The current system, the Fifth Republic, was established by General de Gaulle on October 5th, 1958. The leader of the opposition at the time, François Mitterrand, wrote a book about the new system called<em>&nbsp;Le Coup d&#8217;État permanent&nbsp;</em>– which can roughly be translated as “ongoing military coup,” and indeed so it appeared to many.</p>



<p>Thus, France’s attempt to duplicate the US balance of powers lasted less than five years. Throughout most of its history, France has either had a visibly strong leader or was longing for one. One possible reason the Fifth Republic has lasted so long is that it took this preference into consideration and established a presidential regime in which the scales are heavily tilted in favor of the president.</p>



<p>As a Frenchman, I took great interest in studying the 45th US president, who differed considerably from his predecessors, seeming closer to a French president in his approach to power. It had nothing to do with being liberal or conservative, or trying to position myself on the American political spectrum.</p>



<p>Below, in two parts, is a message from a reader, which is what triggered my desire to explain my vantage point when I titled my April 2021 issue “Magic Man.” Receiving this type of message reminds me how wide the spectrum of my readership is. Again, I do make a conscious effort to address issues in a non-partisan way.</p>



<p><strong><span style="color:#000000" class="color">MY READER’S MESSAGE – part 1</span></strong><br><em>Your choice of word “idolatry” describing the Trump followers made me pause. Since Hillary Clinton&#8217;s comments characterizing the Republicans as “a Basket of Deplorables,” I am aware of the left contempt for the right. They have attacked them physically and verbally, they have ridiculed and called them stupid, not sophisticated, mid-westerners, and other insults. Just putting this idolatry aside for one moment, how do you call the millions of people who elected a feeble, senile, lying career politician as Commander in Chief who mumbles, “I don&#8217;t know what I am signing, but I&#8217;m gonna sign these Executive Orders”? On top of everything he can&#8217;t take his hands and his lips off girls and women (just watch the videos of women trying to get away from his embraces). Magic Man would not work for Biden, creepy old man will do! This guy should be in assisted living not the President of the United States! Trump seen as a Magic Man is ridiculous. He was not a politician for sure, he is a builder, and that&#8217;s what people who voted for him wanted: 1. No more corruption from Washington. 2. Rebuild America. 3. Treat it as a business, in which Trump excelled at. 4. Give a voice to the hard-working Americans or any hard-working average guy who just want to achieve the American Dream: raise children, have house in the proverbial white picket fence around it for the dog. Let’s assume that Trump supporters idolized their man because he put America first and back to work with the lowest unemployment in decades (including minorities). Where is Obama advocating for Black people not to resist arrest and just calmly comply with the police, show a license and proof of insurance instead of a gun or a knife or running away?</em></p>



<p><strong><span style="color:#5182FF" class="color">THE US POLITICAL SPECTRUM IS ABOUT HALF AS WIDE AS EUROPE’S, ESPECIALLY ON THE LEFT</span></strong><br>Each European country has a different political spectrum. One determinant is which political party has elected representatives at the national level. This makes an especially significant difference when there are only two main parties, as in the UK, as opposed to the situation in, say, Italy with more than ten. The political spectrum of the countries in continental Europe is a lot more like the Italian model than the British one. Recent developments throughout Europe have shattered the old model of two alliances, conservatives versus progressive, so it has become more difficult to position political life in these countries along those lines.</p>



<p>One thing that seems obvious to me is that the US spectrum, as exemplified by Congress, is about half as wide as that typically found in continental Europe. The left side of the US spectrum, compared to that of western Europe, is nearly non-existent. This is nothing new; even the more liberal US presidents have fallen between moderate conservatives and centrist liberals by European standards. The fact that all European countries have a strong social net fundamentally changes which issues separate conservatives and progressives.</p>



<p>The American expat community in European countries seems to alternate between criticizing European bureaucracy and applauding the astonishing benefits all residents get. Both of those aspects are the consequence of widespread social programs. Europe no longer has prominent political parties espousing Marxism, but it did between 1950 to 1980. I have yet to identify any US political leaders even remotely connected to Marxism in the sense of the political philosophy defined by Karl Marx.</p>



<p><strong><span style="color:#000000" class="color">MY READER’S MESSAGE &#8211; part 2</span></strong><br><em>Last year incidents that caused all this unrest and Marxism uprising in the US (what the left call peaceful protests) involved Black people who had warrant arrests, criminal charges, and were known drug addicts and/or traffickers. Hopefully, the above will give you another perspective of some stories – not the ones that you might get (by design) on the French liberal channels and newspapers. I am not sure why and how you get your inspiration of writing your professional, legal comments on your otherwise very interesting subjects from some songs. Just curious. Is it where we are in France? No intellectual curiosity anymore? How about philosophical, historical quotes? “Hard times create strong men. Strong men create good times. Good times create weak men. And weak men create hard times” would be very à propos.</em></p>



<p><strong><span style="color:#5182FF" class="color">LENDING MONEY TO A FRIEND IN FRANCE</span></strong><br>French banks have a monopoly on lending money to the public, so the legal requirements regarding loans between friends and relatives are not widely known. When the debtor borrows over 5,000 euros, he has to report it to the tax office. (Before September 27th, 2020, the limit was 760€.) It does not matter whether the loan is recorded in writing or whether interest is expected. If a<em>&nbsp;notaire&nbsp;</em>or lawyer draws up the loan contract, they take care of the declaration.</p>



<p>A person can lend more than 5,000 euros as a global amount through small loans i.e., less than 5,000 euros each to multiple individuals in a given year. Because each debtor has borrowed less than the limit, he/she does not have the obligation to declare. Now because the total of these sums comes to more than 5,000 euros, the creditor must declare all those loans, and must include the names and addresses of both parties; the date; the amount and the loan conditions, particularly the duration; the interest rate, if any; and the terms of repayment.</p>



<p>If the loan is granted at interest, the lender must declare the interest received on the annual tax return. Except in the case of a global option for the progressive income tax scale, interest payments are subject to the single flat-rate deduction of 30% (12.8% for income tax and 17.2% for social).</p>



<p>This described the fiscal obligation. There is also a legal obligation. For any amount greater than 1,500 euros, the civil code requires submission of a written document to prove it is a loan and not a gift. This document can be an acknowledgment of debt (I.O.U.) signed by the borrower or a formal loan agreement signed by both parties. It is registered at the local tax office and costs 125 euros. The main purpose is to certify the date of the transaction, which makes it more difficult to contest.</p>



<p><a href="https://ymlpcl1.net/6f1c1qbbaiaewuqbaoaehqaiajsew/click.php" target="_blank" rel="noreferrer noopener">www.lemonde.fr/argent/article/2020/10/13/faut-il-declarer-aux-impots-l-argent-prete-par-un-proche_6055800_1657007.html</a>.</p>



<p><strong><span style="color:#5182FF" class="color">MY BUSINESS HAS A NEW FACEBOOK PAGE</span></strong><br>Over the holidays, my assistant, Sarah, took an interesting initiative and created a new Facebook page. It is a good move for her since she and I both moderate it. She can show off her expertise and her ability to give good advice and clearly explain solutions. She does this in French, leaving the queries in English to me.</p>



<p>Since I am already active in a few Facebook groups and my website is my main showcase, I did not feel I needed such a page. On the other hand, it will no doubt benefit her. I do not have the time to monitor this forum and so far, it has been fairly quiet. Sarah is still figuring out how to handle this new task, being quite busy herself. I am sure it will be a great space for exchange, and hope it will pick up in the near future.</p>



<p>You are welcome to join:<br><a href="https://ymlpcl1.net/3dd97qbhataewuqbakaehqagajsew/click.php" target="_blank" rel="noreferrer noopener">https://www.facebook.com/rattachement</a></p>



<p><strong><span style="color:#5182FF" class="color">SUMMER VACATION: THE OFFICE WILL BE CLOSED JULY 9th to AUGUST 23rd</span></strong><br>The office will be closed for a month and a half, starting Friday, July 9th, and reopening on Monday, August 23rd. As always, I will be reachable by email for emergencies and important matters. My service of receiving mail for clients will continue while the office is closed.</p>



<p>Best regards,</p>



<div id="kt-info-box_92907f-9c" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-left kt-info-halign-left kb-info-box-vertical-media-align-top"><div class="kt-blocks-info-box-media-container"><div class="kt-blocks-info-box-media kt-info-media-animate-none"><div class="kadence-info-box-image-inner-intrisic-container"><div class="kadence-info-box-image-intrisic kt-info-animate-none"><div class="kadence-info-box-image-inner-intrisic"><img decoding="async" src="https://www.jeantaquet.com/wp-content/uploads/2022/08/JeanTaquet-2.gif" alt="" width="147" height="132" class="kt-info-box-image wp-image-1932"/></div></div></div></div></div><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title"></h2><p class="kt-blocks-info-box-text"></p></div></a></div>



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<div id="kt-info-box_9ee5fb-4e" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-blocks-info-box-media-container"><div class="kt-blocks-info-box-media kt-info-media-animate-none"><div class="kadence-info-box-image-inner-intrisic-container"><div class="kadence-info-box-image-intrisic kt-info-animate-none"><div class="kadence-info-box-image-inner-intrisic"><img decoding="async" src="https://www.jeantaquet.com/wp-content/uploads/2022/08/qetA-01-300x153-1.png" alt="" width="300" height="153" class="kt-info-box-image wp-image-1870"/></div></div></div></div></div><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">QUESTION<br/><br/><em>EVALUATING PASSEPORT TALENT CATEGORIES FOR CREATING A FRENCH BUSINESS</em><br/></h2><p class="kt-blocks-info-box-text"><em>We are a family of 6 people with four kids. We would like to apply for the passeport talent for creating a business, with our history of creating and owning here in CA a successful fitness and wellbeing studio. We would like to move to France and open a studio there under the same business name. I would love to know what the process is looking like now with COVID. Is that passeport talent for creating a business available to apply for as of now?</em></p></div></a></div>



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<div id="kt-info-box_5303f9-ab" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">ANSWER<br/><br/></h2><p class="kt-blocks-info-box-text">I see you have done some serious research about the various types of French immigration status. Still, I need to describe some fundamentals related to immigrating to France so as to identify the types of status you could choose from before leaving the final decision to you, as well as explaining what is normally available and what can be asked for at the moment. Your project must be looked at from a couple as well as family perspective, keeping in mind that<em>passeport talent </em>immigration status comes with benefits for spouse and the children.<br/>1. In normal circumstances, there are six categories of immigration status available to non-EU citizens:<br/><em>• visiteur</em><br/>• étudiant<br/>• salarié<br/>• vie privée &amp; familiale<br/>• commerçant &amp; artisan<br/><em>• passeport talent</em><br/><br/>Each has several sub-categories. The best way to proceed is to start with a professional project in France. Once done, this eliminates most of the possibilities and narrows the choice down to the few linked to the project.<br/><br/>2. In creating a business in France, there has traditionally been a huge difference between three types of professional status:<br/><em>• profession libérale</em><br/>• artisan<br/><em>• commerçant</em>.<br/><br/>As part of President Macron&#8217;s general policy of modernizing France, these differences are fading away. But there are still differences regarding registration process, immigration procedure and taxation. Thus it is critical to know where your project fits in. So here are some definitions:<br/><em>Profession libérale</em><br/>The professional is paid for services rendered; these services cannot involve any sale of physical items. Sometimes, rendering the service includes leaving things with the client. As long as the fee paid is announced as a total price, it complies with the regulation.<br/>For example, a consultant offers the service of registering French corporations, including publication of an ad in a special journal of legal announcements. Part of the overall service is running the ad and buying several issues of the publication, which are then given to the client. This is not a “buy to sell” transaction but part of the consultant’s mission.<br/><br/><em>Artisan</em><br/>The<em> artisan </em>is someone who has mastered a craft or trade acquired through extensive training. It involves performing tasks, such as carpentry, plumbing, hairdressing or baking. What is sold determines which sub-category it fits in.<br/><br/><em>Commerçant</em><br/>The merchant buys things to sell without modifying them. The category mainly concerns shops, but also applies to such activities as hotels, public transport – and fitness clubs. Your description leads me to believe that your activity fits in this category.<br/><br/>3. Which visas are currently available? For your profile as defined above, only the<em> passeport talent </em>offers the sub-categories you will want to choose from. Here are the 10 sub-categories:<br/><em>• jeunes diplômés qualifiés salariés ou salariés d&#8217;une jeune entreprise innovante</em> (does not apply in your case)<br/><em>• travailleurs hautement qualifiés (carte bleue européenne) </em>(does not apply)<br/><em>•</em> <em>salariés en mission</em> (does not apply)<br/><em>• chercheurs </em>(does not apply)<br/><em>• créateurs d&#8217;entreprise </em>(could apply)<br/><em>• porteurs d&#8217;un projet économique innovant </em>(does not apply)<br/><em>•</em> <em>investisseurs économiques </em>(could apply)<br/><em>•</em> <em>mandataires sociaux</em> (could apply)<br/><em>•</em> <em>artistes interprètes </em>(does not apply)<br/><em>•</em> <em>étrangers ayant une renommée nationale ou internationale (domaine scientifique, littéraire, artistique, intellectuel, éducatif ou sportif) </em>(does not apply).<br/><br/>And here are the requirements of the three that apply in your case.<br/><em>Créateurs d&#8217;entreprise</em><br/>In addition to the standard demand that the project be viable, the French administration has two extra requirements:<br/><em>•</em> spending 30,000 euros in the first year of business in France<br/><em>•</em> proving that you have a master&#8217;s degree or five years of experience in the field.<br/>Your business model requires renting commercial space to open a studio, the rent for which alone would likely cost more than that even before taking into account the equipment and decor. Thus your focus must be on an excellent business plan, proving your ability to finance it and enough savings to survive about a year with few clients.<br/><br/><em>Investisseurs économiques</em><br/>The main requirement is to invest 300,000 euros in a French business, either an existing one or one you establish. The business plan here, too, is critical but the focus is different. You need a French bank account statement showing this sum credited to the account. The file must show where the money comes from, as it has a foreign source. The business plan shows what it will finance. Note that once you add up rent, salaries, equipment purchase and other costs, this seemingly large amount is not that huge anymore. I consider it a viable option unless proven otherwise. If you have the means to make this possible, I strongly advise picking this one. As the saying goes, “Money talks” – which may be one reason the number of documents to present the project and the business is much lower than for the previous one. This sum of money proves for the most part the initial viability of the business.<br/><br/><em>Mandataires sociaux</em><br/>To open a fitness studio, you will need a limited liability structure. Even with the best professional insurance, if someone gets hurt, a million-dollar lawsuit could result. Thus a corporation is formed to limit the liability of running the activity to the corporation itself, alleviating liability against the individuals involved. In France, this means creating a<em> personne morale, </em>which in this case can be translated as a corporation.<br/>You will see a few acronyms once you do some research:<br/><em>EURL = a one-person corporation that can be the subsidiary of an American corporation<br/>SARL = a minimum two-person corporation (they can be spouses)<br/>SASU = a one-person corporation that can be the subsidiary of an American corporation<br/>SAS = a minimum two-person corporation (they can be spouses).</em><br/><br/>The person identified as holding the senior management position of one of these corporations has the status of<em> mandataire social. </em>Thus, this status may be better for you, since you need to create such a corporation because of the nature of your project.<br/><br/>4. What are the benefits of each, and why choose one over another? There are major differences between the three, even though they are all part of the<em> passeport talent </em>category. One feature they all have is that, since the status they confer is<em> vie privée &amp; familiale, </em>which includes unrestricted work rights, the so-called “trailing” spouse has the right to work. This is a major benefit: the spouse can work in the business, including as an employee, as well as for any third party.<br/>Another feature is that the<em> carte de séjour </em>issued once the process is complete can last up to four years. There is no guarantee of this, but<em>investisseurs économiques</em> and <em>mandataires sociaux </em>virtually always get four-year cards.<br/>The other one<em>, créateurs d&#8217;entreprise, </em>will be scrutinized more by both the French consulate and the prefecture, which both have a history of skepticism regarding this category. Hence it is more difficult to get the related visa and there are fewer chances that the card will be valid for four years. The prefecture hardly ever believes the business will last that long.<br/>Now that you know all that, you have a strategic decision to make. You need to decide your priorities in correlation with your means and the amount of work you want to put into this procedure.<br/></p></div></a></div>



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<div id="kt-info-box_f44d54-65" class="wp-block-kadence-infobox"><div class="kt-blocks-info-box-link-wrap kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">DISCLAIMER<br/><br/></h2><p class="kt-blocks-info-box-text">Please forward this message to all those who would be interested in its contents. The information contained in this newsletter is intended only as general information. I strongly urge readers to seek professional guidance concerning the legal and tax matters mentioned. This newsletter is intended as a general guide and is not to be taken as professional advice.<br/></p></div></div></div>
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		<title>Riders on the Storm</title>
		<link>https://www.jeantaquet.com/riders-on-the-storm/</link>
		
		<dc:creator><![CDATA[Jean]]></dc:creator>
		<pubDate>Sat, 01 May 2021 08:22:52 +0000</pubDate>
				<category><![CDATA[2021]]></category>
		<category><![CDATA[carte de sejour]]></category>
		<category><![CDATA[COVID]]></category>
		<category><![CDATA[EU]]></category>
		<category><![CDATA[PERMIT]]></category>
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					<description><![CDATA[May 2021 Riders on the stormRiders on the stormInto this house we’re bornInto this world we’re thrownLike a dog without a boneAn actor out aloneRiders on the stormThere’s a killer on the roadHis brain is squirmin’ like a toadTake a long holidayLet your children playIf ya give this man a rideSweet family will dieKiller on [&#8230;]]]></description>
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<h5 class="wp-block-heading"><em>May 2021</em></h5>



<p>Riders on the storm<br>Riders on the storm<br>Into this house we’re born<br>Into this world we’re thrown<br>Like a dog without a bone<br>An actor out alone<br>Riders on the storm<br>There’s a killer on the road<br>His brain is squirmin’ like a toad<br>Take a long holiday<br>Let your children play<br>If ya give this man a ride<br>Sweet family will die<br>Killer on the road, yeah<br>Girl, ya gotta love your man<br>Girl, ya gotta love your man<br>Take him by the hand<br>Make him understand<br>The world on you depends<br>Our life will never end<br>Gotta love your man, yeah<br>Riders on the storm<br>Riders on the storm<br>Into this house we’re born<br>Into this world we’re thrown<br>Like a dog without a bone<br>An actor out on loan<br>Riders on the storm<br>Riders on the storm<br>Riders on the storm<br>Riders on the storm<br>Riders on the storm</p>



<p>I have already used this title for the November 2016 issue. “Riders on the Storm” is a song by The Doors from their 1971 album&nbsp;<em>L.A. Woman.</em></p>



<p>I am sure I am not the only one feeling that we are riding a storm. There are many reasons for that. Among them are issues raised by the Covid vaccines and constant changes in the sanitary guidelines. We are being given so much information so rapidly that it can seem that people are contradicting themselves. I am fully aware that the situation is evolving quickly. Pausing a vaccine rollout to check the health implications makes perfect sense and should be very reassuring; I just wish it actually felt that way.</p>



<p>Now some people feel they no longer have to worry and can resume having a more normal life. They are riding the storm with confidence. Things are still rocky here and there, but they are staying on top.</p>



<p>Others still feel like the storm is sweeping them off their feet and they are being carried away, still not controlling much in their life and feeling like they are getting contradictory information that makes it seem the country is doing better and worse at the same time. They get financial assistance but still no job in sight.</p>



<p>It is clear that in the USA things are moving, with both sides of the aisle adopting policies at the federal and state levels. From afar it seems like a race in which each side is hoping to score enough points to secure the lead.</p>



<p>For different reasons, I, too, am dealing with uncertainties, making it difficult to have a smooth work environment, due to the continual, eleventh-hour modifications to my schedule. The prefecture can be quite unpredictable and this is not always for the better. Between last-minute changes by the French government and the uncertainty over what the rules will be next week or next month, it is complicated to plan the next visa request or upcoming change of status, whether for those going to the USA or coming to France. In my experience, even when the rules are very harsh, one can adapt if it is that way for a long time because it is predictable. When the environment starts to change, especially for the better, it often creates a lot of emotional trouble as hope and fear collide inside people.</p>



<p>This is a different kind of storm that is always difficult to deal with. Let us hope that the current changes take us all to a more secure and safer world overall. Right now, being patient may be the hardest thing to do.</p>



<p><strong><span style="color:#5182FF" class="color">RIDING A BICYCLE IN PARIS AND OTHER MAJOR FRENCH CITIES</span></strong><br>For over a year, I have been using my bicycle to travel almost everywhere in Paris and its immediate suburbs. Since the beginning of the pandemic, I have seen a steady increase in the number of cyclists, especially those I consider professional people.</p>



<p>Many, like me, get to work by bicycle. There are also food delivery people on duty day and night. A new phenomenon is the cargo bikes that compete with small delivery trucks. They are big in all directions, as much as 153.5 cm (5 feet) high and 200 cm (6.5 feet) long, weighing some 20 kg (44 pounds). With cargo volume of around 570 liters (20 cubic feet), they can carry 60 kg (132 pounds). I remember seeing such vehicles for the first time in Copenhagen, delivering cases of Tuborg beer, in the early 1970s.</p>



<p>Any significant change in Paris leads to animated debate on the part of both public and elected officials. I see major improvements regularly being made to the areas of the streets dedicated to bicycles of all sizes. While Paris for bike riders is not yet comparable to any small city in a Nordic country, I still enjoy the fact that it is increasingly safer to ride. At the same time, so many people are cycling that traffic is catching up with the improvements. At rush hour in some parts of the city, I have seen what I call cyclist traffic jams with 15 or more bicycles stopped at traffic lights. On the Right Bank, what was meant to be an inner-city expressway was opened in December 1967 but has been limited to pedestrians and cyclists since September 2016. Every day I ride up and down the streets flanking the Canal St-Martin, which are closed on Sunday to the regular traffic, and now there are hardly any cars, even during the week.</p>



<p>My appreciation of this trend is in contrast, of course, with the strong opposition of people who drive in Paris, who are disadvantaged by the situation. But the trend is here to stay, so people have to adapt to an environment they may not like. The car has symbolized so much for so long that a world or just a city without cars is unthinkable to many. One change is already visible in the way the car industry advertises new models. When I was young, it was all about power and speed. Then it was about comfort, safety and fuel efficiency. Today, finding the right message is complicated. Should one push electric cars or hybrid models? Can one promote huge SUVs without backlash on social media?</p>



<p>The thoughts that I have when I am cycling are much more mundane: I am aware of the traffic around me, hoping to be on time for my next appointment, and so on. This travel time has become one of reflection, planning my day, thinking about various clients’ cases. Occasionally my thoughts wander here and there.</p>



<p><strong><span style="color:#5182FF" class="color">A NEW PROCEDURE FOR THE EMPLOYEE WORK PERMIT</span></strong>&nbsp;<br>To explain the recent radical change, I need to describe the previous procedure, how it is different now and what the consequences can be.</p>



<p><strong>I &#8211; BEFORE</strong><br>There were two procedures, depending on whether the foreigner already lived in France or did not yet have a French immigration status.</p>



<p><strong>For a foreigner living in France</strong><br>1 &#8211; The applicant was responsible for putting together the file asking for the work permit and submitting it to the prefecture. Such files were often considered sensitive, as they gave details of the company ownership and the payroll, amounts of sales tax and social charges paid, and so on.</p>



<p>2 &#8211; After the first appointment, the prefecture could sit on the file for anywhere from a couple of weeks to several months, even though the regulations assumed that action would be taken right away. That aspect of the procedure was already bad even before the pandemic brought horrendous, disproportionate delays in issuance of the permits, leaving the foreigner incapable of getting things moving. Often the prefecture would say, “The file is not here anymore; check with DIRECCTE,” and DIRECCTE would answer, “We never received the file – the prefecture has it” because the file, being on standby, was technically not with the prefecture anymore.</p>



<p>3 &#8211; DIRECCTE (the Direction Régionale des Entreprises, de la Concurrence, de la Consommation, du Travail et de l’Emploi) had two months to answer but there were no consequences if it took longer. Some branches were known to stay more or less on schedule but others were notorious for taking way too long.</p>



<p><strong>For a foreign applicant outside of France</strong><br>1 &#8211; The employer would submit the file to DIRECCTE and the answer would come more reliably.</p>



<p>2 &#8211; The file would end up at the French consulate nearest where the prospective employee lived, and the visa would be requested.</p>



<p><strong>II &#8211; NOW</strong><br>Before, there was a DIRECCTE in each<em>&nbsp;département.&nbsp;</em>On April 1st, 2021, they were replaced by DREETS, which stands for Direction Régionale de l’ Économie, de l’Emploi, du Travail et des Solidarités. The new body resulted from a merger of DIRECCTE and the<em>&nbsp;services chargés de la cohésion sociale.</em></p>



<p>DREETS does not include the office called Main d’Oeuvre Étrangère, which formerly issued the right to work as an employee. As a matter of fact, this department no longer exists! Currently a different office in the French administration is in charge of issuing employee work permits. Now it is only the employer who submits the file through a national website. This change could be excellent news, as the employer is in charge from A to Z. This means there should be a lot less resistance to giving out these documents. Of course, some employers distrust the administration and will never volunteer to give this kind of information to an office in charge of reviewing the situation, as it is too much like an audit.</p>



<p>However, on paper at least, the change fixes two of the issues that most affected prospective foreign employees. True, there is no track record yet on how the new procedure works, especially in regard to the length of the wait for a response. It would be good to know whether the guidelines have changed, as it can be assumed that the employees of DIRECCTE were not transferred to the new division of the French administration.</p>



<p>Here is how it is supposed to go on now:<br>1 &#8211; The employer requests the work permit on a dedicated web page (see below).<br>2 &#8211; An automated email is sent to the employer confirming that the request has been submitted.<br>3 &#8211; If the answer is favorable, the employer and future employee receive the work authorization by email.<br>4 &#8211; The future employee attaches the permit to the long-stay visa application or<em>&nbsp;carte de séjour&nbsp;</em>request.</p>



<p>These are the main pages concerning the procedure.<br><a href="https://ymlpcl1.net/9fc25qmqadaewubqakaubearajsew/click.php" target="_blank" rel="noreferrer noopener">https://administration-etrangers-en-france.interieur.gouv.fr/particuliers/#</a></p>



<p><strong><span style="color:#5182FF" class="color">VACCINATED US CITIZENS SHOULD BE ALLOWED TO TRAVEL TO EUROPE SOON</span></strong><br>At the time of publication, all I know is that the French government plans a May 3rd announcement on several changes regarding travel restrictions, following a decision taken at the EU level.</p>



<p>Below is a translation of the beginning of a Le Monde article about the current state of affairs.&nbsp;<strong>Covid-19: European Union ready to open its borders to vaccinated American tourists&nbsp;<em>This is a “recommendation” from Ursula von der Leyen, president of the European Commission, which has yet to be approved by member states.</em></strong></p>



<p>Tourists from the United States will be allowed to visit the European Union (EU) in the coming months provided they are vaccinated against Covid-19, European Commission President Ursula von der Leyen said on Sunday April 25 in an interview with The New York Times.</p>



<p><a href="https://www.lemonde.fr/planete/article/2021/04/26/l-union-europeenne-prete-a-ouvrir-ses-frontieres-aux-touristes-americains-vaccines_6078051_3244.html">https://www.lemonde.fr/planete/article/2021/04/26/l-union-europeenne-prete-a-ouvrir-ses-frontieres-aux-touristes-americains-vaccines_6078051_3244.html</a></p>



<p><strong><span style="color:#5182FF" class="color">BRITISH CITIZENS ASKING FOR A CARTE DE SÉJOUR</span></strong><br>Something that happened this month at the prefecture illustrates a change I had not seen coming. Since the prefectures reopened in May 2020, the trend has been to rely heavily on email exchanges and pages on the official website, in Paris and virtually all over France. I have grown used to sending a complete file, or sufficient documents to secure an appointment, as attachments. I also make sure the documents are printed and ready in the file when the meeting starts. The rule has always been that the applicant comes with the complete file.</p>



<p>I have already mentioned that since January of this year, the procedure for British people has been a lot simpler and they get a five-year residency pretty much automatically. The documents sent must prove their identity, address and the date when the residency in France began. As I noted earlier, this can be problematic since many live in both countries.</p>



<p>With one recent client, the appointment came soon after we sent the request by email. I assumed that the client understood that what we sent needed to be in the file the day of the appointment. But the person showed up at the prefecture with only passport and pictures, no file. I became quite anxious, trying to figure out how we could get all the documents we were going to be asked for. Our number was called, and the conversation started with a request for the passport. That was all, for the moment. The prefecture had printed everything and considered it sufficient. The meeting continued with fingerprinting and signing of the form. Then we were asked to provide a document proving residence at the Parisian address in 2020 (i.e., before Brexit took effect). We went back to the waiting room and spent some time finding access to utility accounts. Finally, we got a couple of documents, which were accepted. I honestly admit that I felt unsettled the entire time we were in the prefecture. I still strongly advise my British clients to have the file ready, including proof of presence of about one year. But be aware that you might leave the prefecture with your file unopened.</p>



<p><strong><span style="color:#5182FF" class="color">MY BUSINESS HAS A NEW FACEBOOK PAGE</span></strong><br>Over the holidays, my assistant, Sarah, took an interesting initiative and created a new Facebook page. It is a good move for her since she and I both moderate it. She can show off her expertise and her ability to give good advice and clearly explain solutions. She does this in French, leaving the queries in English to me.</p>



<p>Since I am already active in a few Facebook groups and my website is my main showcase, I did not feel I needed such a page. On the other hand, it will no doubt benefit her. I do not have the time to monitor this forum and so far, it has been fairly quiet. Sarah is still figuring out how to handle this new task, being quite busy herself. I am sure it will be a great space for exchange, and hope it will pick up in the near future.</p>



<p>You are welcome to join:<br><a href="https://ymlpcl1.net/317c3qjsaiaewubqalaubeaaajsew/click.php" target="_blank" rel="noreferrer noopener">https://www.facebook.com/rattachement</a></p>



<p><strong><span style="color:#5182FF" class="color">SUMMER VACATION: THE OFFICE WILL BE CLOSED JULY 9th to AUGUST 23rd</span></strong><br>The office will be closed for a month and a half, starting Friday, July 9th, and reopening on Monday, August 23rd. As always, I will be reachable by email for emergencies and important matters. My service of receiving mail for clients will continue while the office is closed.</p>



<p>Best regards,</p>



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<h2 class="wp-block-heading">QUESTION<br><br><em>WHAT IS FRENCH IMMIGRATION STATUS?</em></h2>



<p><em>I am seeking your advice or counsel on the French visa process, having attended the Nomadic Network events featuring your recommendations about moving to France in the past.I came to Bordeaux on a tourist visa to reunite with my French “life partner” after Covid separated us. We have since applied three times for the Formulaire 1 visa found on <a href="http://www.gironde.gouv.fr/">www.gironde.gouv.fr</a> to acquire a long-term stay visa. Based on the responses we have received, it appears I do not fall under the currently allowed categories.At this time, I am still employed full-time in the United States and meet the financial requirements to support myself, but I just cannot seem to figure out the perfect combination to stay here.Ultimately, I want to acquire a visa so I can live with my partner and ensure free travel back and forth between the United States and France, as France is now becoming my home country.Do you know of an agency, counselor, or lawyer who could help advise me and my partner on the best course of action? Do you know of other options?</em></p>
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<h2 class="wp-block-heading">ANSWER</h2>



<p>I see several issues that must be addressed differently. Right now you do not have permission to stay in France and the Covid-19 pandemic is the only reason you have not been told to leave ASAP. Since you are romantically involved with a French citizen, you could be interested in obtaining permission to stay on grounds of your private life. It is impossible to obtain a “long-term stay visa” from the prefecture, as it issues only residency cards, the normal procedure for which starts with getting a visa from the consulate via the company VFS Global. Showing proof of working in the USA as an employee, while signing under oath that you will not work in France, could create some serious problems in terms of obtaining a visa. You are much better off showing proof of sufficient savings and getting an affidavit of lodging and support.</p>



<p>The bottom line is that either you organize your stay in France as an undocumented alien, planning to obtain private life immigration status, or you go back to the USA to get a visa. I would like to detail your situation and the solutions.</p>



<p><strong>1 – In the immediate future</strong><br>You are in France without an immigration document. You will not get a<em>&nbsp;carte de séjour&nbsp;</em>right away, even if you qualify for one. The fact that you qualify for<em>&nbsp;visiteur&nbsp;</em>immigration status does not mean you will get it. The only thing you can get – if you qualify – is an<em>&nbsp;autorisation provisoire de séjour</em>&nbsp;(APS). It requires you to demonstrate that you are “stuck” in France for health reasons, that you fear for your life should you be forced to go back to the USA. Given how recently you arrived in France, it might be possible to convince the prefecture that you need one. Your age and current medical condition are among the elements taken into account.</p>



<p>What is critical is your ability to prove that you cannot go back to the USA, not the fact that you have arrived in France and would like to stay as an immigrant.</p>



<p>Without an APS, your stay in France will be seen as illegal and you will not be able to request immigration status unless you are in a situation that allows<em>&nbsp;régularisation d’un(e) sans-papiers</em>&nbsp;(legalizing an undocumented alien).</p>



<p><strong>2 – What do you do until you can request immigration status?</strong><br>There are two ways to approach this question:</p>



<p>a) If you plan to marry or form a civil union (PACS), you can stay in France the entire time so you qualify for regularization, either under a PACS plus solid proof of living with your partner for a year, which can start before registration of the PACS, or marriage plus solid proof of living together for six months, exclusively after the wedding. Note that the regularization procedure takes a while but you do not have to go back to the USA to ask for an immigration visa.</p>



<p>b) If you plan to go back to the USA and ask for a visa when the consulate fully resumes its work, note that the<em>&nbsp;visiteur&nbsp;</em>visa may not meet your needs. If you eventually get married or PACSed, you will become a French fiscal resident, so earning at least some of your money in France will make more sense and will give you access to the French social system, including health coverage.</p>



<p>You may have chosen<em>&nbsp;visiteur&nbsp;</em>to make things simple and easy, knowing that it would give you a year to get PACSed or married.</p>



<p>As you can see, the sooner you decide as a couple what is best for you two, the easier it will be to plan the months or years to come.</p>



<p>Note that, from what I can see, undocumented Americans living in France need not fear deportation so that is not something you have to worry about.</p>



<p><strong>3 – What are your choices of immigration status?</strong><br>a)<em>&nbsp;Vie privée&nbsp;</em>(private life) grants unrestricted right to work and so is seen as the best status to obtain – and, accordingly, the prefecture is very strict concerning the proof of living together. Few documents qualify. You must prepare well in advance to be sure to have the right documents. You will need, at a minimum, one document per month with both your names on it: internet provider bills, all utilities, tenant insurance policy, etc. The prefecture prefers a joint bank account but if you follow my advice you can do without it.</p>



<p>b) Your employment in the USA allows you to earn money while being physically in France. Yes, this is somewhat compatible with<em>&nbsp;visiteur&nbsp;</em>status, but emigrating to France as you have done transforms your life, and sooner or later you may want to change this situation. If it is not your private life that anchors you in France, it can be your work.</p>



<p>In that case,<em>&nbsp;visiteur&nbsp;</em>status could be seen as a way to obtain a legal stay while buying time to decide which choice to make.</p>



<p>One type of<em>&nbsp;carte de séjour,&nbsp;</em>called<em>&nbsp;passeport talent,&nbsp;</em>has 10 subcategories, allowing you to put your professional plans first, knowing there will be a related immigration status.</p>



<p>Now, having said all that, let us review your email. I believe you are referring to the visa waiver program, also called the Schengen program, which allows you to come to France as a tourist (not as an immigrant) and stay for 90 days. You do not have an immigration visa.</p>



<p>The website&nbsp;<a href="https://ymlpcl1.net/052aaqjuaiaewubqaxaubeazajsew/click.php" target="_blank" rel="noreferrer noopener">www.gironde.gouv.fr</a>&nbsp;essentially states what I explained above:<br>“To request an appointment at the prefecture: form n°1. You entered France legally with a short-stay visa, a long-stay visa bearing the mention “temporary exemption” or without a visa.</p>



<p>“You are exempted from applying for a residency permit for the duration mentioned on your visa or up to 90 days if you are exempted from a visa or hold a residency permit from another European Union country. After this period, you must not remain in France illegally. If you wish to reside in France permanently, you must contact the French consular authorities in your country of origin, or in any other country where you are legally entitled to reside, to apply for a settlement visa.</p>



<p>“Please note that under these conditions, you can only apply for the following residency permits: Spouse of a French national, Parent of a French minor child, Entered before the age of 13, 10 years of presence in France (Algerians and Tunisians only), Family member of a foreigner holding “EC/EU long-term resident” status (the application must be submitted within 90 days of entry into France), Family member of a European national, Victim of domestic violence or trafficking in human beings, Sick foreigner/accompanying a sick foreign minor, Foreigner fulfilling the conditions for acquiring French nationality, Veteran, Born in France, Exceptional admission to a residency.” Please note that what the website calls<em>&nbsp;admission exceptionnelle au séjour&nbsp;</em>corresponds to regularizing an undocumented immigrant and refers almost exclusively to private life situations.</p>



<p>You want your immigration status to come in the form of a long-stay visa, carte de séjour and récépissé, among the more common documents issued by the French administration.</p>
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<div id="kt-info-box_f44d54-65" class="wp-block-kadence-infobox"><div class="kt-blocks-info-box-link-wrap kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">DISCLAIMER<br/><br/></h2><p class="kt-blocks-info-box-text">Please forward this message to all those who would be interested in its contents. The information contained in this newsletter is intended only as general information. I strongly urge readers to seek professional guidance concerning the legal and tax matters mentioned. This newsletter is intended as a general guide and is not to be taken as professional advice.<br/></p></div></div></div>
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		<title>Magic Man</title>
		<link>https://www.jeantaquet.com/magic-man/</link>
		
		<dc:creator><![CDATA[Jean]]></dc:creator>
		<pubDate>Thu, 01 Apr 2021 13:58:25 +0000</pubDate>
				<category><![CDATA[2021]]></category>
		<category><![CDATA[Bank]]></category>
		<category><![CDATA[CPAM]]></category>
		<category><![CDATA[Prefecture]]></category>
		<category><![CDATA[Tax]]></category>
		<guid isPermaLink="false">https://www.jeantaquet.com/?p=2225</guid>

					<description><![CDATA[April 2021 Cold, late night so long ago,When I was not so strong you know,&#160;A pretty man came to me.&#160;I never seen eyes so blue.&#160;You know, I could not run away it seemedWe&#8217;d seen each other in a dream.&#160;Seemed like he knew me, he looked right through me, yeah.&#160;“Come on home, girl” he said with [&#8230;]]]></description>
										<content:encoded><![CDATA[
<h5 class="wp-block-heading"><em>April 2021</em></h5>



<p>Cold, late night so long ago,<br>When I was not so strong you know,&nbsp;<br>A pretty man came to me.&nbsp;<br>I never seen eyes so blue.&nbsp;<br>You know, I could not run away it seemed<br>We&#8217;d seen each other in a dream.&nbsp;<br>Seemed like he knew me, he looked right through me, yeah.&nbsp;<br>“Come on home, girl” he said with a smile.&nbsp;<br>“You don&#8217;t have to love me yet, let&#8217;s get high awhile.&nbsp;<br>But try to understand, try to understand<br>Try, try, try to understand, I&#8217;m a magic man.”&nbsp;<br>Winter nights we sang in tune,&nbsp;<br>Played inside the months of moon<br>“Never think of never let this spell last forever.”&nbsp;<br>Well, summer lover passed to fall,&nbsp;<br>Tried to realize it all.&nbsp;<br>Mama says she&#8217;s worried, growing up in a hurry,&nbsp;<br>“Come on home, girl,” Mama cried on the phone.&nbsp;<br>“Too soon to lose my baby yet, my girl should be at home.”&nbsp;<br>“Try, try, try to understand, he&#8217;s a magic man, Mama, ah,&nbsp;<br>He&#8217;s a magic man.”</p>



<p><strong>Wikipedia:</strong><br>“Magic Man” is a song by the American rock band Heart released as a single off their debut album, <em>Dreamboat Annie. </em>Written and composed by Ann and Nancy Wilson, the song is sung from the viewpoint of a young girl who is being seduced by an older man (referred to as a Magic Man), much to the chagrin of her mother, who calls and begs the girl to come home. In an interview, Ann Wilson revealed that the “Magic Man” was her then boyfriend, band manager Michael Fisher, and that part of the song was an autobiographical tale of the beginnings of their relationship.</p>



<p>I saw this band in the summer of 1981 at Radio City Music Hall in New York, and I believe I own just about all their albums. As I was going through the biography of the band recently – which in effect means the lives of these two sisters – I realized how autobiographical and intimate the lyrics were.</p>



<p>Nevertheless, the lyrics are timeless, describing a situation that must have occurred time and again ever since the origin of the human race.</p>



<p>The choice of “Magic Man” as a title has nothing to do with romantic love. Rather, I am following with great interest the way former President Trump is still seen as a magic man. The American tradition has been that the former president disappears from the media and starts a new chapter of life as a private citizen. Both Mr. Trump’s decision to stay in political public life and the idolatry I see with many Trump followers are unusual departures from the past. Note this statement made on March 14th 2021 by Dr. Anthony Fauci on the “Fox News Sunday” program. Asked whether vaccination numbers among Republicans would increase were Trump to encourage inoculation, Dr. Fauci said: “I think it would make all the difference in the world. Trump is a such a strongly popular person &#8230; it would be very helpful for the effort for that to happen.”</p>



<p>Since the March issue, titled “Lean on Me (Tonight),” I have continued to be interested by the evolution of politics in the USA, France and several other countries: Policies, long-term visions for the country, political stands – in short, what used to fuel the political debate – seem to be declining. Today, way too often, I hear world leaders saying things like, “Trust me, I know what I am doing and I am taking care of you, I am protecting you.”</p>



<p>Considering how low the ratings of politicians and journalists are, it is clear that public trust is at an all-time low. Many believe this is a direct effect of the Covid-19 pandemic. Although it is true the pandemic has greatly corroded people’s confidence in their representatives and politicians in general, I think the problem has existed for a long time.</p>



<p>People should not believe in a magic man – or magic woman, for that matter. The only exception might be teenaged hearts beating with romantic love for the first time: young people are entitled to live this kind of love at least once in their life. That is why I find Heart’s lyrics so vividly depict that reality.</p>



<p><strong><span style="color:#5182FF" class="color">THE PARIS PREFECTURE IS REFUSING THE PUMA CPAM STATEMENT</span></strong><br>The issue regarding PUMA and CPAM has never been properly solved. It stems from what was clearly an error in drafting the law. The basic rule is that people insured under PUMA currently pay a premium of 6.5% of worldwide income. But for some reason the law excludes foreign retirement income. The system does not charge anything if the declared income is less than 9,032€.</p>



<p>The very popular<em>&nbsp;visiteur&nbsp;</em>immigration status requires proof of either income or assets equal to at least minimum wage, which is 14,772€. So it would follow logically that all foreigners with&nbsp;<em>visiteur&nbsp;</em>status should pay something toward their health coverage. However, almost all of them are retired people receiving pensions and Social Security as the majority of their income, and those sources of revenue are excluded from the calculation, sometimes with the addition of royalties, rents, trust funds and the like. As a result, the income from earned income rarely exceeds the 9,032€ limit, even though the global income is considerably over this limit. So the system puts them in the same category as indigent people and both groups pay nothing for health coverage.</p>



<p>The prefecture requires proof of payment of the related health coverage premium to be submitted in the file. In normal circumstances this is a totally legitimate request. As I have explained above, if the foreign retirement income were included in the calculation, there would be no problem.</p>



<p>Since PUMA has existed, the Paris prefecture has vacillated between accepting and refusing the Assurance Maladie coverage issued by CPAM. The visiteur immigration status is issued when the applicant complies with the legal requirements, providing proof of sufficient means as described above, plus the address of the primary residence in France and comprehensive health coverage valid in France. When it is impossible to prove that the applicant is paying for such coverage, the request is refused.</p>



<p>That is what is happening at the moment. Concerned applicants then have to purchase a private policy duplicating the coverage they already have. Since most are retired and hence usually over 65, the premiums of such policies are expensive by French standards and few insurance companies issue them. Furthermore, what the prefecture is asking applicants to do is illegal: once a person is covered by Assurance Maladie, French law forbids their being covered by a private policy. It is also illegal to terminate public coverage in order to take out a private policy.</p>



<p>A few times over the years, the prefecture has demanded proof of termination of Assurance Maladie coverage, which impossible unless one moves away from France permanently and therefore loses the French immigration status.</p>



<p>For the time being, there is no good solution; the best thing is to purchase a private policy and make sure it can be cancelled once the<em>&nbsp;carte de séjour&nbsp;</em>is retrieved. In the past, the prefecture’s refusal to grant<em>&nbsp;visiteur&nbsp;</em>status in such cases has seldom lasted for long. Thus, when it is time to renew the card a year later, chances are that the policy have once again been reversed. I saw this latest change occurring in September 2020. I have no idea what triggered it.</p>



<p><strong><span style="color:#5182FF" class="color">THE LATEST ON BREXIT’S CONSEQUENCES AT THE PREFECTURE</span></strong><br>Both common sense and a communication from the prefecture held that it was better to request French immigration status before the end of 2020, when the UK was still in the European Union, than in 2021. Last year after the prefecture reopened, I accompanied British citizens and helped them submit files showing whether they had been in France for more than five years or less. This was sometimes difficult to establish, as many people went back and forth, never really securing the status of France as their primary residence.</p>



<p>Since January 2021, the procedure has radically changed. The prefecture asks for the usual identification, proof of address and proof of means. There is no longer any question of proving seniority in France. Before, the issue was whether the<em>&nbsp;carte de séjour&nbsp;</em>would be valid for one or five years, but today everybody gets a minimum of five years. Furthermore, the<em>&nbsp;carte de séjour&nbsp;</em>is issued free of charge, as if the British citizens were still in the EU. That being the case, the card is sent in the mail by registered letter.</p>



<p>What surprises me the most is how easy the procedure has become. One reason is that now, to get an appointment at the Paris prefecture, the applicant sends the basic documents by email, so when the appointment is given, the documents are put in the file the prefecture prepares. Still, there is often a need for an update, so it is critical to bring all the documents requested just in case. I have no idea what will happen on July 1st 2021 when the current six-month transition period is over.</p>



<p><strong><span style="color:#5182FF" class="color">FRENCH INCOME TAX: IT IS ALMOST TIME TO DECLARE!</span></strong><br>Regarding the more mundane topic of income tax, I would like to remind everybody that paper versions of the 2020 income declaration must be filed in France by<strong> 20th 2021</strong>midnight. The declaration forms are available at <a rel="noreferrer noopener" href="https://ymlpcl1.net/5eed4quyanaewumsaiahuwanajsew/click.php" target="_blank">www.impots.gouv.fr</a> on April 8th. That is also the day you can start filing your declaration on the same website. To do so, you need your tax ID number <em>(numéro fiscal) </em>and some access codes.</p>



<p>First-time income declarations to the French tax office should be prepared using the paper form, and the “first time” box on the CERFA #2042 form where it says<em>&nbsp;Vous déposez une déclaration pour la première fois cochez”&nbsp;</em>must be checked. It is possible to obtain the needed information from the tax office to declare for the first time electronically, but I tend to advise against this, because it is a lot easier to see and hence understand how the system works if the filer is looking at paper documents.</p>



<p>Note that if you file online, the deadline is later. The schedule depends on your postal code:</p>



<ul class="wp-block-list"><li><em>départements&nbsp;</em>01 to 19 must file by midnight on May 26th.</li><li><em>départements&nbsp;</em>20 to 49 by J by June 1st.</li><li><em>départements&nbsp;</em>50 or higher by June 8th.</li></ul>



<p>An important reminder: If you are a French fiscal resident (i.e. if you hold a<em>carte de séjour&nbsp;</em>or an immigration visa validated with an OFII stamp, and comply with the requirements), you must declare your worldwide income to the French authorities even if you have no income in France and do not have the right to work in France. There is no penalty for neglecting to file, but not meeting this obligation is illegal and can have consequences.</p>



<p>You are a French fiscal resident if you:&nbsp;</p>



<ul class="wp-block-list"><li>stay in France 183 days in a calendar year, whether you have legal immigration status or not</li><li>have immediate family members (spouse and/or minor children) living in France</li><li>have a French employer</li><li>run a French business, even something like tutoring schoolchildren in English.</li></ul>



<p><strong>Reminder: if you are self-employed in France, the quarterly declarations sent to URSSAF do not constitute income tax declarations, which must be sent to the tax office. Many foreigners are convinced that the quarterly declarations are their only fiscal obligation.</strong></p>



<p>Now that income tax is deducted at the source, the amount owed is often low, sometimes even zero. But a problem may arise because the prefecture wants to see the income tax bill from the tax office, the<em>&nbsp;avis d’imposition sur le revenu,&nbsp;</em>before issuing almost any immigration status.</p>



<p>Unfortunately, the tax office is slow to send the<em>&nbsp;avis</em>, mainly because :<br>1 &#8211; The page dedicated to the declaration on the website is not open all year long, so very late declarations must be done on paper, slowing down the process.<br>2 &#8211; Once tax season has ended, if no tax is owed, there is no incentive to prepare the<em>&nbsp;avis</em>&nbsp;quickly.</p>



<p><strong><span style="color:#5182FF" class="color">WHAT IS A FRENCH BANK?</span></strong><br>Until recently the answer to this question had a very easy answer. A French bank corporation was registered in France with headquarters in France; was a member of the Association des Banques de France; had physical locations where clients could go; had an International Bank Account Number (IBAN) starting with FR; and so on. Then two things happened.</p>



<p><strong>SEPA</strong><br>The first was that all EU countries became members of the Single Euro Payments Area (SEPA) on February 1st 2016.</p>



<p>Wikipedia: The aim of SEPA is to improve the efficiency of cross-border payments and turn the previously fragmented national markets for euro payments into a single domestic one. SEPA enables customers to make cashless euro payments to any account located anywhere in the area, using a single bank account and a single set of payment instruments. People who have a bank account in a eurozone country can use it to receive salaries and make payments all over the eurozone, for example when they take a job in a new country.</p>



<p>In other words, there is now a European banking system using the same currency, the euro, which allows transactions, mainly automatic payments and wires, to occur throughout the system automatically, without banking fees. This involved French utilities in 2016, asking clients to sign new SEPA-compatible forms to enable automatic payments to continue.</p>



<p><strong>Internet banking</strong><br>The first online bank, the Dutch bank ING Direct, was established in France in 2000. Over the years, more and more online banks have opened. Some are subsidiaries of traditional banks, but not all. They give French residents access to full online banking services from non-French banks. They are all in the private sector, with healthy competition regarding service quality and costs.</p>



<p>The IBAN of an account is linked to where the banking corporation is registered. It starts with the country code – FR for France, DE for Germany, and so on. The French administration was not ready for that, and it has created a serious problem whenever the administration needs to make a payment to the bank account of an individual living in France. Their system is so antiquated that it blocks all payments to any accounts that do not have IBANs starting with FR.</p>



<p>With online accounts having become so popular, the consequences are catastrophic, especially for those unfortunates who are dependent on their regular payments from the Caisse d’Allocation Familiales. The administration is doing its best to fix this situation but is having trouble because the requirement of French residency prevails. With all European countries in the SEPA system, an IBAN not starting with FR is seen as an indication that the account holder lives in a different country, even if the entire file shows French residency and a French physical presence. Unlocking the system after verification could be possible.</p>



<p><strong>The position of the prefecture</strong><br>By definition, the prefecture is concerned about where an applicant lives. As everybody knows, virtually the first document asked for is proof of address dated less than three months back. So the issue of non-French online banks is again a problem. For many types of immigration status, applicants have to show bank statements. For&nbsp;<em>visiteur&nbsp;</em>status, for instance, the applicant must prove that he/she spends at least the amount of minimum wage in France, and this sum has to be deposited in the French account from a foreign source. A similar requirement holds for all types of immigration status based on self-employed activity registered in France. Payments received must match amounts invoiced, and the prefecture asks for the transactions to be highlighted on a copy of the statement, submitted in the file, to make them easier to identify. For a<em>&nbsp;profession libérale&nbsp;</em>status the applicant must show a minimum of 23,000€ in annual billing, of which 65% is taxable: 23,000 x 0.65 = 14,950€. (The minimum wage is 14,772€, so 23,000€ is an easy target to keep in mind.)</p>



<p>All this is easy to demonstrate as long as it is shown in a French bank account, which brings us back to the same problem. I have never asked the Paris prefecture which banks are accepted and which are not, although I recently found out that TransferWise, now called Wise is not considered a French bank for the<em>profession libérale&nbsp;</em>immigration status. The current rules significantly narrow the choice of banks for opening a professional account since it will be scrutinized by the prefecture. Sooner or later I will have to ask the prefecture for a list of acceptable internet banks, given the problems this issue causes!</p>



<p><strong><span style="color:#5182FF" class="color">GUIDELINES ON LOCKDOWN AND INTERNATIONAL TRAVEL</span></strong><br>I wish the available information on lockdown and international travel would remain valid long enough for me to give my readers reliable advice. We are living through challenging times, and almost all Western countries are prone to rapidly changing their policies order to better fight the Covid-19 pandemic. On March 18th, the French government announced a strict lockdown, with complex rules on what activities gave inhabitants the right to be outside. This policy was pretty much abandoned on March 20th, the day after it went into effect. The restrictions no longer constitute a lockdown, since there is no limitation on travel within a radius of 10 km (6.2 miles). The government announcement on March 18th envisioned these restrictions stopping on April 20th if the infection rate was under control by then. But in the current situation, reaching that goal seems unlikely in the Paris region and several other areas.</p>



<p>International travel has also been severely affected. The official governmental position is that the borders are sealed unless you can show exceptional and truly compelling reasons to leave or enter. But I know of large numbers of non-French people who have been leaving or returning to France, none of whom had problems at the airport, so I question how well this policy is enforced. I am aware of just one case, in which a 20-year-old Tunisian national and Italian legal resident, coming to France to visit his father for spring break, was denied entry. The reason was that he had no proof of means, i.e., he was traveling with hardly any money. He did not have valid proof of the address where he planned to stay and could not prove that it was his father’s residence. In short, it had nothing to with to do with the restrictions imposed due to the Covid-19 pandemic. Under normal circumstances, any EU resident (which he was) has an automatic, undisputed right to travel to another EU country. Travel within the Schengen zone is supposed to be equivalent to domestic travel.</p>



<p>So, please take the following information with a grain of salt:</p>



<p>Guidelines issued on March 12th:<br>1 &#8211; It will no longer be necessary to have a compelling reason to travel to or from Australia, Israel, Japan, New Zealand, Singapore, South Korea or the United Kingdom.</p>



<p>For travel to and from those countries, other restrictions on movement remain in force: among other things, it is still necessary to present a negative PCR test result done less than 72 hours before departure.</p>



<p>2 &#8211; The list of compelling personal reasons has been extended to include all family relationships and add new situations linked to family separation for:</p>



<ul class="wp-block-list"><li>married couples and couples in civil partnerships (PACS), where one member lives abroad for professional reasons.</li><li>minors attending school in France whose family home is abroad.</li><li>separated couples with children where adult lives in France and the other abroad.</li><li>students taking competitive examinations and those returning to their main residence in France.</li></ul>



<p>Templates for exceptional international travel declarations will be updated at&nbsp;</p>



<p><a href="http://www.interieur.gouv.fr/Actualites/L-actu-du-Ministere/Attestation-de-deplacement-et-de-voyage">www.interieur.gouv.fr/Actualites/L-actu-du-Ministere/Attestation-de-deplacement-et-de-voyage</a><a href="https://ymlpcl1.net/2c216qesaiaewumsalahuwalajsew/click.php" target="_blank" rel="noreferrer noopener">www.interieur.gouv.fr/Actualites/L-actu-du-Ministere/Attestation-de-deplacement-et-de-voyage</a></p>



<p><strong><span style="color:#5182FF" class="color">MY BUSINESS HAS A NEW FACEBOOK PAGE</span></strong><br>Over the holidays, my assistant, Sarah, took an interesting initiative and created a new Facebook page. It is a good move for her, since she and I both moderate it. She can show off her expertise and her ability to give good advice and clearly explain solutions. She does this in French, leaving the queries in English to me.</p>



<p>Since I am already active in a few Facebook groups and my website is my main showcase, I did not feel I needed such a page. On the other hand, it should no doubt benefit her sooner than later.</p>



<p>You are welcome to join:<br><a href="https://ymlpcl1.net/68713qeuadaewumsadahuwanajsew/click.php" target="_blank" rel="noreferrer noopener">https://www.facebook.com/rattachement</a></p>



<p><strong><span style="color:#5182FF" class="color">SUMMER VACATION: THE OFFICE WILL BE CLOSED JULY 9th to AUGUST 23rd</span></strong><br>The office will be closed for a month and a half, starting Friday, July 9th, and reopening on Monday, August 23rd. As always, I will be reachable by email for emergencies and important matters. My service of receiving mail for clients will continue while the office is closed.</p>



<p>Best regards,</p>



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<h2 class="wp-block-heading">QUESTION<br><br><strong><em>COMING BACK TO FRANCE LEGALLY WITH A VISITEUR VISA</em></strong></h2>



<p><em>I am an American and I have always intended to get some kind of long-term permission to stay/reside in France. Sadly, I procrastinated… and I am now kicking myself.</em></p>



<p><em>I want to apply for a carte de séjour. Have you heard anything about the border opening to allow Americans to travel to France in the near future? Pre-Covid, I traveled to France 3-4 times a year to stay in my Parisian apartment, but since I never overstayed the 90-day limit visitor, I didn’t concern myself with getting a visa.</em></p>



<p><em>If it seems that France is ready to open her borders to Americans, I might take a chance and book a ticket soon, knowing I might have to cancel it. Or should I wait until you feel it is time to go over everything I need to do to prepare for my arrival? For example, friends have told me in the past that they had to register as much as six months in advance for their in-person appointment to apply for the carte de séjour. I would like to secure an appointment by August or September at the prefecture after my arrival on the ground in Paris.</em></p>



<p><em>Would it be worth trying to get an appointment before I travel? Or would I be able to make an appointment only after I arrive in Paris?</em></p>



<p><em>Also, I would like to know what the difference is between a long-term visitor visa and a carte de séjour. And what is the difference between a carte de séjour visiteur and a carte de séjour residence? These are the questions that are causing me to hesitate.</em></p>



<p><em>1. Do any of these residency or visitor status change the holder’s right to travel into and out of France?</em></p>



<p><em>2. Fiscal residence – does the carte de séjour residence make one an automatic fiscal resident? And for the visiteur</em></p>



<p><em>3. Is the carte de sejour visiteur a prerequisite to applying later for the normal carte de sejour residence?</em></p>



<p><em>4. Applying for visiteur: is it likely that France would open to tourists before the consulate started accepting applications for the visiteur visa? Or would it be automatic that they would occur at the same time? If the consulate is not accepting visa applications, and France opens its borders to US citizens (I am now 65 and fully vaccinated) would I then just travel on my US passport and hope that I can apply for the visiteur status when I am on site in France?</em></p>
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<h2 class="wp-block-heading">ANSWER</h2>



<p>I need to review some fundamental aspects of French immigration law. But first I must stress that right now that no&nbsp;<em>visiteur&nbsp;</em>visas are being issued. I constantly get asked when the French consulates will resume full service, but I do not know and have learned to stop making projections.</p>



<p><strong>1 &#8211; The law and procedure</strong><br>There are three levels of residency status in France, either by nationality (French and EU nationals) or as an immigrant holding a<em>carte de résident,&nbsp;</em>or&nbsp;<em>carte de séjour</em>. carte de résident, but there are six types of&nbsp;<em>carte de séjour</em>.</p>



<ul class="wp-block-list"><li><em>Visiteur</em></li><li>Étudiant</li><li>Salarié</li><li>Vie privée &amp; familiale</li><li>Commerçant &amp; artisan</li><li><em>Passeport talent</em></li></ul>



<p>Each of the six has subcategories, which we do not need to deal with.</p>



<p>All six categories involve first getting a long-stay (immigration) visa bearing one of the names mentioned above.</p>



<p>What you call<em>&nbsp;“carte de séjour&nbsp;</em>residence” does not exist. No<em>&nbsp;carte de séjour&nbsp;</em>bears that name. Some rights of French residency, however, are conveyed by some of the<em>&nbsp;carte de séjour&nbsp;</em>types named above.</p>



<p>Henceforth I will only talk about the<em>&nbsp;carte de séjour visiteur,&nbsp;</em>which is the one mostly likely to be of interest to you.</p>



<p>You will be starting from scratch, which means going through all of the following steps.<br>1 &#8211; Prepare a file to submit to VFS Global, the company to which several countries subcontract the initial review of requests for visas.</p>



<p>2 &#8211; Go online and fill out the two forms, one for VFS and the other for the French consulate. This will get you an appointment with the VFS branch nearest you in about one month, or even sooner depending on the season. (The vast majority of visas are for students and are issued in August and September.)</p>



<p>3 &#8211; At the appointment you submit the original of your passport, your file and proof of payment of a non-refundable fee.</p>



<p>4 &#8211; All this goes to the French consulate in Washington, DC, for review. In normal circumstances, you would get your passport about a week later with the immigration “D” visa, marked VISITEUR and noting that you need to register upon arriving in France. This visa, called&nbsp;<em>VLS-TS (Visa de Long Séjour valant Titre de Séjour),&nbsp;</em>is valid for one year.</p>



<p>5 &#8211; Soon after your arrival in France, go online and give the requested information to the Office Français de l&#8217;Immigration et de l&#8217;Intégration (OFII) to validate the visa and get a physical appointment to make sure you are in good health.</p>



<p>6 &#8211; OFII normally gives two responses: first it approves your registration, acknowledges payment and issues an identification number; later you get a medical appointment in an OFII facility, after which you go to the office another day to pick up your personal documentation.</p>



<p>7 &#8211; Two to three months before the visa expiration date, contact the prefecture to secure an appointment to renew your immigration status and ask for a<em>&nbsp;carte de séjour visiteur.</em></p>



<p>I always go back to this issue: moving to a new continent is no joke. It requires extensive preparation, which can take months or, more often, years.</p>



<p>8 – At this meeting, your request is approved and you get a<em>&nbsp;récépissé&nbsp;</em>(a temporary ID) that is valid until the plastic card is ready.</p>



<p>9 &#8211; After buying a fiscal stamp, go to the prefecture one more time to pick the plastic<em>&nbsp;carte de séjour</em>&nbsp;card.</p>



<p><em>Visiteur&nbsp;</em>status can serve as entry-level immigration status. Despite its name, it has nothing to do with the tourist status you are used to. So far you have been traveling with only your passport, taking advantage of the Schengen visa waiver program that allows you to stay within the Schengen area up to 90 out of every 183 days.</p>



<p>Although I will not detail the entire procedure, it is possible to register with a<em>&nbsp;caisse primaire d&#8217;assurance maladie&nbsp;</em>(CPAM), which enables you to be covered by the French health care program called PUMA as part of the services that Assurance Maladie (the French health care system) provides.</p>



<p><strong>2 &#8211; The consulate is partly closed</strong><br>Right now the very popular<em>&nbsp;visiteur&nbsp;</em>immigration status for people with your profile is not being issued, so you need to wait. There is no indication that this service will resume anytime soon. Both countries have made significant progress in the fight against Covid-19. Once the pandemic is under control, I am pretty sure the facilities will be reopened.</p>



<p>Keep in mind that once you gain immigration rights for France, you will have the right to come in even when the borders are closed. It is only at times like now, when the borders are under very tight control, that it is truly difficult to travel in and out. Given the number of people traveling in and out of France, it is clear that travel prohibitions are not really being enforced, at least for North Americans.</p>



<p>To sum up, I understand and respect your frustration and your regret at not having gone through the procedure long before the pandemic. Now, sadly, your choice is simple. You could try to create conditions allowing you to get a visa that is available now. For instance, how much time, money and energy would it take to comply with the requirements of a<em>&nbsp;passeport talent&nbsp;</em>subcategory? This would mean, for example, submitting a convincing plan to create a business in France. But your objective is not really compatible with this type of visa.</p>



<p>Or you could be patient and wait until the French consulate again offers all types of long-stay visa. I know how unpopular it is to propose “wait” as a solution. While normally there are ways to sneak in, betting on the lenient treatment North Americans tend to get, we are living unusual times. So all people who manage to enter France as foreigners now hold an immigration title and should travel with significant proof of both a strong anchorage in France – ideally French income tax documents and other tax documents for the France side – and documentation of the seriousness of their situation in the USA, meeting the definition of “exceptional hardship”.</p>



<p>Try to consider this waiting period as an opportunity to prepare the file for the French consulate requesting the visa, so you will be ready as soon as it is possible to submit it.</p>
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<div id="kt-info-box_f44d54-65" class="wp-block-kadence-infobox"><div class="kt-blocks-info-box-link-wrap kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">DISCLAIMER<br/><br/></h2><p class="kt-blocks-info-box-text">Please forward this message to all those who would be interested in its contents. The information contained in this newsletter is intended only as general information. I strongly urge readers to seek professional guidance concerning the legal and tax matters mentioned. This newsletter is intended as a general guide and is not to be taken as professional advice.<br/></p></div></div></div>
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		<title>Lean on Me (Tonight)</title>
		<link>https://www.jeantaquet.com/lean-on-me/</link>
		
		<dc:creator><![CDATA[Jean]]></dc:creator>
		<pubDate>Mon, 01 Mar 2021 14:39:49 +0000</pubDate>
				<category><![CDATA[2021]]></category>
		<category><![CDATA[CESC]]></category>
		<category><![CDATA[COVID]]></category>
		<category><![CDATA[Prefecture]]></category>
		<category><![CDATA[RENTAL]]></category>
		<category><![CDATA[Tax]]></category>
		<guid isPermaLink="false">https://www.jeantaquet.com/?p=2229</guid>

					<description><![CDATA[March 2021 Lean on meI&#8217;ll be thereWhenever you need someoneTo share in every prayerIn every dreamYou&#8217;ve left somewhereTill tomorrowWill be just like it was when we were young&#8216;Cos tonightI&#8217;m gonna take you whereI&#8217;ve never taken you beforeLean on meI&#8217;m everywhereWherever you look I&#8217;ll beForever yoursThe northern lightsThe southern crossI&#8217;ll give to youTill tomorrowWill be just [&#8230;]]]></description>
										<content:encoded><![CDATA[
<h5 class="wp-block-heading"><em>March 2021</em></h5>



<p>Lean on me<br>I&#8217;ll be there<br>Whenever you need someone<br>To share in every prayer<br>In every dream<br>You&#8217;ve left somewhere<br>Till tomorrow<br>Will be just like it was when we were young<br>&#8216;Cos tonight<br>I&#8217;m gonna take you where<br>I&#8217;ve never taken you before<br>Lean on me<br>I&#8217;m everywhere<br>Wherever you look I&#8217;ll be<br>Forever yours<br>The northern lights<br>The southern cross<br>I&#8217;ll give to you<br>Till tomorrow<br>Will be just like it was when we were young<br>&#8216;Cos tonight<br>I&#8217;m gonna take you where<br>I&#8217;ve never taken you before<br>If you&#8217;re lonely<br>You know where you can find me<br>You know there&#8217;s no escape when you are on your own<br>And if you&#8217;re worried<br>And you can see your world slip through your fingers<br>I&#8217;ll reach out for you in my heart<br>There&#8217;s no more dancing in the dark.</p>



<p>I remember listening to the Moody Blues ever since my cousin Pierre brought their album<em>&nbsp;A Question of Balance&nbsp;</em>to our family home. That could also have been a pertinent title for today’s world. I want to promote a caring message, which is indispensable for a population desperately in need of healing.</p>



<p>Both in France and the USA, I sense a desire to lean on someone for protection. In some cases this desire is fulfilled, while other people feel they are left stranded, unattended. I can be completely cynical when it comes to political leaders, questioning the real motives behind what they say and do. During the weather crisis the state of Texas recently experienced, there were people you could lean on and people who were absent. In France right now, more and more professions feel totally abandoned, including musicians and performing artists in general. A foreigner new to France and feeling lost may be longing for a reassuring presence, a person who protects and guides, whom one can lean on and feel safe with. Too often, the quest for reassurance leads to horrendous situations, with such people falling victim to crooks.</p>



<p><strong><span style="color:#5182FF" class="color">PREFECTURE SCHEDULES AND LUCRATIVE APPOINTMENT TRAFFICKING</span></strong><br>For several years there have been complaints about appointments with prefectures regarding immigration status being difficult to secure. The CODIV-19 pandemic has forced all prefectures to restructure their system for handling the public and issuing appointments. The system is quite complicated, for several reasons. Schedules are established at the last minute, so the first available appointment is often after the expiration date of the document needing renewal. Prefecture websites may work well with a particular browser one day but not the next. For example, I have stopped using Safari to get on these websites, as Firefox seems slightly more reliable.</p>



<p>Furthermore, appointments for some types of immigration status seem to be harder to secure than others, perhaps because the number of people trying exceeds the website capacity. People working at the Paris prefecture acknowledge that this is the case. Someone determined to get through may need to block a couple of hours for the task.</p>



<p>Beyond these issues, the current design of the system has led to a particular situation that often makes it impossible for an individual to get an appointment. An article in Le Monde explains that well-informed crooks snatch all available appointments as they are released. Then they sell them to individuals. Undocumented aliens<em>&nbsp;(sans-papiers)&nbsp;</em>may be especially vulnerable; under French law, some of them have the right to submit a request for a legal stay in France if they meet strict guidelines. They may not have the hours it takes to get an appointment, or they lack access to a computer, and so on. Of course, the crooks offer their services to anyone who cannot get an appointment any other way.</p>



<p>In my July-August 2019 issue, titled<strong>&nbsp;Father &amp; Son,&nbsp;</strong>I wrote about a similar criminal scheme. Such situations make me really angry. I help people who fully qualify for procedures at the prefecture. They often spend about six months trying to get an appointment before giving up and paying for one. I strongly condemn the crooks who steal appointments to sell. And yet I fully understand that some foreigners feel they have no choice but to use such a scheme, given their risk of being caught by police – especially now, with a pandemic curfew being strictly enforced and people often working odd hours. Getting a legal stay sooner rather than later is critical for such people.</p>



<p>A full translation of the Le Monde article is attached, in hopes that the information will circulate as much as possible. Here is the link to the original article published on February 13th 2021:&nbsp;<br><a href="https://ymlpcl1.net/63dbcqsjazaewsyyadahsjacajsew/click.php" target="_blank" rel="noreferrer noopener">www.lemonde.fr/societe/article/2021/02/13/titres-de-sejour-le-trafic-lucratif-des-rendez-vous_6069858_3224.html</a></p>



<p><a href="https://www.jeantaquet.com/wp-content/uploads/2021/03/Lucrative-appointment-trafficking-translation-PB.doc">Lucrative-appointment-trafficking-translation-PB.doc</a></p>



<p><strong><span style="color:#5182FF" class="color">URSSAF AND THE TAX OFFICE INCREASINGLY SHARE INFORMATION</span></strong><br>The French and US tax systems are so different it can be difficult to explain to Americans how the French one works.</p>



<p>I will not go into the history of the French social system that was set up after WWII, with endless variations on health coverage and retirement per profession. President Macron has pushed a general policy of unifying the retirement program, which has led to violent demonstrations in the streets of Paris for the last three years or so.</p>



<p>Retired foreigners living in France saw one change quite vividly, as it affected them directly. When covered by the public system in the old days with the<em>Couverture Maladie Universelle&nbsp;</em>(CMU), the insured person would file an annual declaration with URSSAF so the 8% premium on worldwide income could be calculated.</p>



<p>In 2016, the<em>&nbsp;Protection Universelle Maladie&nbsp;</em>(PUMA) was set up to replace the CMU. One of the most problematic differences with the old system was that URSSAF now gets its information from the tax office to calculate the 8% premium. The way it was calculated also changed, which resulted in a difficult situation for many foreigners living in France.</p>



<p>It is a huge oversimplification, but I tell my clients that the<em>&nbsp;centre des impôts&nbsp;</em>is like the IRS and URSSAF is like the Social Security Administration. They are always amazed, as they are used to seeing the two American organizations working together, while their French equivalents pretty much ignored each other until recently – and that was better than the old days, when they distrusted each other to the point of never sharing information</p>



<p>A milestone will soon be reached in this regard. In May 2021, when it is time to declare income in France, self-employed people will only declare their income once, to the tax office. Starting with 2020 revenue, URSSAF will get the information from the tax office and there will no longer be any need to make two declarations. In short, the<em>&nbsp;Déclaration Sociale des Indépendants&nbsp;</em>(DSI) is no longer needed.</p>



<p>A recent URSSAF statement says:<em>&nbsp;“A partir de cette année, vous n’aurez plus qu’une seule déclaration à faire pour la déclaration de vos revenus 2020 sur&nbsp;<a href="http://impots.gouv.fr/">impots.gouv.fr</a>. C’est cette déclaration unique qui sera utilisée pour le calcul de vos cotisations et contributions sociales personnelles et de votre impôt sur le revenu.”</em></p>



<p>Here is a translation of the complete press release:<br>“From this year, you will have only one declaration to make to declare your 2020 income on&nbsp;<a href="http://impots.gouv.fr/">impots.gouv.fr</a>. This single declaration will be used to calculate your personal social contributions and your income tax. The income that serves as the basis for personal social contributions will be entered directly in your personal income tax return (declaration No. 2042). It will be supplemented by a specific “social” component. In the 2020 income statement, specific sections have been provided to allow you to declare your eligibility for contribution reductions set up in the context of the health crisis (first period of health emergency in spring 2020 and second period of health emergency in autumn 2020). Once your tax return has been validated, the necessary elements will be sent automatically by the tax administration to your Urssaf or Cgss. As in previous years, upon receipt of the elements of your 2020 tax return, your Urssaf or Cgss will adjust your 2021 provisional contributions and regularize your final 2020 contributions. It will also send you a payment schedule update, which will take into account the exemption from contributions under the reduction mechanisms put in place in the context of the health crisis, if you are eligible. Urssaf or Cgss remains your contact for the management and payment of your personal social contributions.”</p>



<p><span style="color:#5182FF" class="color"><strong>WIDESPREAD USE OF TEXT MESSAGES FOR SECURITY</strong>&nbsp;</span><br>I remember when my bank first added a second level of security for access to accounts online – issuing a payment, transferring money – by sending a text message to my cellphone so I could be identified a second time. I particularly like this feature when I make purchases on a website, as it reduces the chance of fraud. It might make sense to force as many merchants as possible to include this feature on their sites. I fully understand that this is as much an issue with the bank as it is with the merchant, except the bank has an interest in limiting fraud, which costs it money.</p>



<p>Many merchant sites now also have this feature to enter the site if you have a personal account with them. It would be an exaggeration to say it is becoming a standard feature, but it feels like it is nearly one. Maybe I will get used to it someday, or manufacturers will find a way to have the computer and phone talk to each other automatically – who knows?</p>



<p>Recently this mundane procedure took on epic proportions because of a last-minute change of policy and COVID-19 preventing people from traveling. One of my clients was on a mission in Eastern Europe. The COVID-19 pandemic caused the stay to be extended for many months past the client’s scheduled return to France. This client, like several of my American clients, does not have a French cellphone, as their American phones can be used worldwide. Pretty much overnight, their bank added the text security feature for access to their accounts. This meant the client had to buy a French phone or at least a SIM card, and give the French number to the bank.</p>



<p>To make a long, complicated story shorter, about this client, I bought a pay-per-use SIM card and activated the number so any phone could use it. Then I mailed the SIM card across most of Europe so the client could put it in his phone when connecting with the bank. Registering the phone number with the bank was the true challenge, but finally it got done. The final episode would be laughable if it had not been a serious problem. My client needed printed bank statements, and he could not have access to them due to some technical glitch with the SIM card. His CPA needed them to prepare tax declarations. The bank demanded an original signature on a letter requesting that the statements be printed, and charged a hefty price for this service. The last straw was that it would only send them to the client’s Paris address. Thus I had to pick up that letter, scan the documents and send them to the client. Some rules to safeguard clients’ interests take us back a century!</p>



<p>Another bank offered a different solution to the cellphone problem. It agreed to send the security text messages to a US phone number, for an extra charge of $5 a month. The client concerned has a French cellphone but it does not receive text messages from France. I can see this becoming a serious problem for clients who are outside France most of the time, and the many who are stuck abroad because of the pandemic.</p>



<p>As my client said to me, “with the continued need to use a double verification process for banking and other accounts, this might be worth mentioning … in one of your next columns. Not everyone who does banking in France has a French phone and can receive text messages from other countries without adding this feature to their accounts. Granted it is $5 extra per month but worth it.”</p>



<p><strong><span style="color:#5182FF" class="color">UPDATE ABOUT THE FRENCH SANITARY STATE OF EMERGENCY</span></strong><br>Note that the state of emergency due to the pandemic has been extended until June 1st:&nbsp;<em>“Face à l&#8217;aggravation de la propagation de l&#8217;épidémie de Covid-19, l&#8217;état d&#8217;urgence sanitaire en place depuis le 17 octobre 2020 est prolongé jusqu&#8217;au 1er juin 2021 inclus. Initialement, il devait prendre fin le 16 février 2021. La loi prorogeant l&#8217;état d&#8217;urgence sanitaire est parue au Journal officiel le 16 février 2021.</em></p>



<p>(Faced with the worsening spread of the Covid-19 epidemic, the health state of emergency in place since October 17th, 2020 has been extended until June 1st, 2021, inclusive. Initially, it was to end on February 16th, 2021. The law extending the health state of emergency was published in the<em>&nbsp;Journal officiel&nbsp;</em>on February 16th, 2021.</p>



<p><strong><span style="color:#5182FF" class="color">FOREIGN RENTAL INCOME DECLARED IN FRANCE</span></strong><br>Paris being one of the touristic hubs of the world, there are numerous foreigners owning apartments here and renting them through Airbnb and similar organizations. I have referred to this many times in past columns: rental income earned in France is declared and taxed in France even when the owner is not a French fiscal resident. It is then declared to the IRS as income already taxed.</p>



<p>One of my clients, however, has properties she rents in the USA and declares in France as income already taxed. She lives and files in France as a French fiscal resident. She recently received a letter from URSSAF that stunned me. It took me some time to understand what had happened.</p>



<p>The letter asked for her SIRET number, a French ID number for a person running a business. My client is retired, holds a visitor’s<em>&nbsp;carte de séjour&nbsp;</em>and has never registered a business in France. The request had to have originated somehow with the French administration. My client’s American rental income had surged last year, to the point that it went over the threshold that would force this type of registration if the rentals were in France. The system must have undergone a serious malfunction, taking the American income as French, and acted accordingly. Once identified, the problem was easy to fix.</p>



<p>I am more familiar with a different computer bug, whereby the French tax office tries to collect the CSG-CRDS taxes on American income declared in France. That bug was identified well over 10 years ago and is now rare. I still see it, but much less frequently.</p>



<p><strong><span style="color:#5182FF" class="color">CESC PARIS HAS INVITED ME TO SPEAK ON MARCH 1st VIA ZOOM</span></strong><br>The Council for the English Speaking Community in Paris (CESC Paris) first invited me to speak in September 2003. Then and now the topic is &#8220;Non-profits in France.&#8221; I will cover the legal and practical issues that non-profits [often] encounter. My experience as a member of several non-profits, including holding the post of vice-president for one of them, adds first-hand knowledge to my training as a<em>&nbsp;juriste droit économique&nbsp;</em>and to what I have learned while advising non-profits as part of my consulting activity.</p>



<p>Here is the announcement the CESC put out:<br><strong>Dear CESC Paris Community,</strong><br>Are you the head of a non-profit association? Our guest speaker will be Jean Taquet and our next meeting is going to focus on the loi 1901, questions about running non-profit associations and some of the current or ongoing issues we are experiencing due to the fallout from Covid 19 pandemic. We won&#8217;t be able to answer all your questions, but the idea is to gauge areas of interest and concern and then organize further discussions with more experts within and outside of the CESC community to help facilitate these discussions in the coming weeks and months.</p>



<p><strong><span style="color:#5182FF" class="color">MY BUSINESS HAS A NEW FACEBOOK PAGE</span></strong><br>Over the holidays, my assistant, Sarah, took an interesting initiative and created a new Facebook page. It is a good move for her, since she and I both moderate it. She can show off her expertise and her ability to give good advice and clearly explain solutions. She does this in French, leaving the queries in English to me.</p>



<p>Since I am already active in a few Facebook groups and my website is my main showcase, I did not feel I needed such a page. On the other hand, it should no doubt benefit her sooner than later.</p>



<p>You are welcome to join:<br><a href="https://ymlpcl1.net/34e11qsbaoaewsyyarahsjarajsew/click.php" target="_blank" rel="noreferrer noopener">https://www.facebook.com/rattachement</a></p>



<p><strong><span style="color:#5182FF" class="color">SUMMER VACATION: THE OFFICE WILL BE CLOSED JULY 9th to AUGUST 23rd</span></strong><br>The office will be closed for a month and a half, starting Friday, July 9th, and reopening on Monday, August 23rd. As always, I will be reachable by email for emergencies and important matters. My service of receiving mail for clients will continue while the office is closed.</p>



<p>Best regards,</p>



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<div id="kt-info-box_9ee5fb-4e" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-blocks-info-box-media-container"><div class="kt-blocks-info-box-media kt-info-media-animate-none"><div class="kadence-info-box-image-inner-intrisic-container"><div class="kadence-info-box-image-intrisic kt-info-animate-none"><div class="kadence-info-box-image-inner-intrisic"><img decoding="async" src="https://www.jeantaquet.com/wp-content/uploads/2022/08/qetA-01-300x153-1.png" alt="" width="300" height="153" class="kt-info-box-image wp-image-1870"/></div></div></div></div></div><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">QUESTION<br/><br/><em>ASKING FOR A VISA DURING THE COVID-19 PANDEMIC</em><br/><br/></h2><p class="kt-blocks-info-box-text"><em>There appears to be much discrepancy between VFS Global and the Washington DC embassy regarding requests for the passeport talent visa. This status appears to be the only way to obtain a real immigration visa that is renewable, and valid up to four years, with work permits from the get-go. VFS says one thing; the embassy says something different. For example, many individuals who are choosing between all the “flavors” of passeport talent might be self-employed, working as authors, artists, sometimes with a national or international reputation in a specialized field, and often holding high-level degrees, diplomas, etc. Yet it appears that the embassy wants French contracts, French employment by French companies with French clients, etc. If you do not have any of these, you can apply for a long-term visitor visa… but this visa is not currently available due to COVID restrictions. On the other hand, VFS says that those who can prove sufficient funding through forms, documents, etc. and who are working on a project that benefits France in some way, can apply for the passeport talent.</em><br/><em>What happens if your visa is rejected? All that work and time preparing your move &#8211; selling cars, furniture, looking for lodging in a country that appears to have an incoherent visa policy. If France is serious about accepting talented folks to improve the community, then perhaps the administration needs to take these passeport talents visas seriously and get to work vastly improving their horrendous ‘system’.</em></p></div></a></div>



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<div id="kt-info-box_471bf9-bd" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">ANSWER<br/><br/></h2><p class="kt-blocks-info-box-text">Your points are well taken and I agree with many of them. VFS Global and the consulate do say different things. The sad part is that VFS Global, a private company, does not know much about what its job is supposed to be, in my opinion. So I differ with you on that: VFS Global should know everything about all the visas currently available so that they are able to properly evaluate every applicant’s file. This is the job they are supposed to do, and they are not doing it.<br/><strong>The consulate is still partly closed</strong><br/>I would like to look at two issues you have raised. First, the COVID-19 pandemic has disrupted international travel for a year now. When borders are closed, there is no need to issue visas. The situation is more complex than that, however: the consulate first took care of French people and families returning to France. Then other visas gradually became available – but for the past six months, it seems that no new visas have been made available to the public. Hence the popular<em> visiteur </em>immigration status is not accessible and this has a huge impact on the lives of people who, as you point out, may have prepared for years to move to France and cannot do so because the status they need is not currently offered by the consulate. I am asked daily to predict when the entire situation will go back to normal. Every time I have made an estimate, thinking that I am being conservative, I have been way off. Nevertheless, clearly the issue for France and its economy concerns what decisions are made on dealing with the pandemic during this coming summer. Can the country survive another summer with virtually no tourists?<br/>The other point where I disagree with you is France’s need right now for talent. The country is entirely focused on controlling the pandemic and blocking the virus’s spread. Everything else is of lower priority. President Macron is not interested, for the moment, in welcoming scientists, businesspeople, professors, researchers and so on.<br/><br/><strong>All ten types of<em> passeport talent </em>demand a strong anchorage in France</strong><br/>You referred to the category often called “internationally famous”. This category of<em> passeport talent,</em> No. 10, is of course more complicated than that. Here is how I describe it:<br/>1. It starts with a description of a strong personal and professional project that has to carried out in France. That determines how I describe the project in the initial cover letter. The letter starts by describing the person’s early career in the USA and their growing success.<br/>2. The letter goes on to explain that the career has run into limits and plateaus because the person’s artistic project does not fit American taste. I have worked with several musicians whose music mixes genres and cannot be classified as country, folk, rock, classical, jazz, blues, or what have you.<br/>3. I end up describing the necessity for the artist to go where the public for this kind of music, or art, etc. is. It happens that Europe is much more open to artistic flexibility. I may continue the description if the person concerned has a crossover career, such as the singer of German opera, Nina Hagen, who also has a career in punk rock or heavy metal.<br/>4. After a few trips to France and meetings with a lot of people, the person now has French professional contacts who recognize the pertinence of the professional project to France. They help by opening doors and providing the file with a decent number of documents which prove that the person is ready to start a French career.<br/>5. The next element is more intangible but it is supposed to be part of the file submitted to the consulate: the project brings something of value to France, beyond the financial aspect. It is often described as tightening the ties between the two countries.<br/>All this shows why French contracts, a schedule of French events, description of French projects, etc. must be secured before France will grant a category 10<em> passeport talent </em>visa. I am sure if VFS Global were to explain that the file must look like this, there would be fewer disappointments.<br/>Your comment about the risk of a negative answer from the consulate needs to be addressed more extensively. To start with, I personally believe the consulate should refuse to issue Passeport-Talent visas for poorly-designed projects. Significant planning is necessary to prepare a geographical move, even within the same country or city. Moving to a different country, especially one on a different continent, and even with a plan that has been worked on for years and apparently covers all possible eventualities, is a project that requires a leap of faith even for the most-hardy individuals. The best preparation will anticipate only a fraction of the difficulties and problems that will arise after the move. I believe the French consulate is doing many applicants a favor by refusing poorly-conceived projects.<br/>Sometimes making a move requires managing extreme risks. Moving a family with small children to a foreign country located on a different continent can be seen as taking such a risk. It is well-nigh impossible to evaluate and foresee the difficulties and dangers of living in a new culture. So putting in place a comparable undertaking means living with risk for many years to come.<br/>In the grand scheme of things, the risk of not receiving a visa is very small compared to the other risks. Indeed, the chances of successfully acquiring the coveted visa can be increased by improving the quality of the file. This means that the guidelines of the consulate must be scrupulously followed. The second line of defense is to have a Plan B, i.e., the applicant must be willing to send a new request after fixing what went wrong with the first one. The applicant can also prepare a second application for a different visa that is easier to obtain. So this is all about getting organized to be ready and in control of the situation. Therefore your description – “What happens if your visa is rejected? All that work and time preparing your move &#8211; selling cars, furniture, looking for lodging in a country that appears to have an incoherent visa policy.” – is inaccurate.<br/>The Passeport-Talent visa, with its ten categories, offers enough choice for applicants to have a Plan B ready. If you have Plans A and B ready at the same time, you have mastered the situation and you can schedule your arrival in France with much more precision. The category Nº5, business creator<em>, créateurs d’entreprise, </em>of the Passeport talent, will most probably be the most user-friendly alternative.<br/>I always go back to this issue: moving to a new continent is no joke. It requires extensive preparation, which can take months or, more often, years.</p></div></a></div>



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<div id="kt-info-box_5877a9-34" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-blocks-info-box-media-container"><div class="kt-blocks-info-box-media kt-info-media-animate-none"><div class="kadence-info-box-image-inner-intrisic-container"><div class="kadence-info-box-image-intrisic kt-info-animate-none"><div class="kadence-info-box-image-inner-intrisic"><img decoding="async" src="https://www.jeantaquet.com/wp-content/uploads/2022/08/qetA-01-300x153-1.png" alt="" width="300" height="153" class="kt-info-box-image wp-image-1870"/></div></div></div></div></div><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">QUESTION<br/><br/><em>WHAT DOES A PRENUPTIAL AGREEMENT COVER?</em><br/><br/></h2><p class="kt-blocks-info-box-text"><em>I moved here for my French fiancé, and in doing so, I gave up a very lucrative career. My fiancé owns a company and some real estate in France. His real estate company owns the home in which we plan to live in after the marriage. He wants me to sign a marriage contract stating that all property before and after the marriage remains separated. I am not in agreement after giving up a really well-paid job to relocate and I know I will not be able to earn nearly as much in France without speaking the language.</em><br/>My fiancé owns 99% of real estate company; the other 1% belongs to his mother. Is there a way to write up a contract to have equal “shares” of our future family home? Can we transfer the real estate company in part into my name to avoid having to purchase shares?<br/>Is there a way to edit the marriage contract to say that I would not get any of his principal business but just half of the family home? Can any of the three types of marriage contracts in French be adjusted or they are straight boilerplate documents with unchangeable terms?<br/><em>My next question is whether it would be possible to draft a separate document that would provide some sort of financial security – an agreement to get a sum of money in case of divorce or the transfer of half the family home in spite of the fact that it is owned by the company rather than by my fiancé – simply for investing sweat equity in building a family with him and making improvements towards the family home, etc.</em></p></div></a></div>



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<h2 class="wp-block-heading">ANSWER</h2>



<p>If only all couples could have a crystal ball so they would know the future and could make these decisions more easily! Since it is impossible to know the future, however, such situations are complex, involving critical interests that may be mutually exclusive. When a prenuptial agreement is drafted, many hope it is possible to both share assets and separate debts.</p>



<p>The three standard contract types are:<br>1. Universal community, where everything is shared by virtue of the marriage, including everything brought into the marriage from the past.</p>



<p>2. Total separation, where nothing is shared by virtue of the marriage, even everything that will exist in the future.</p>



<p>3. Partial community, where nothing from before the wedding is shared but everything is shared for the future by virtue of the marriage. This is the default French marital regime,<em>&nbsp;la communauté réduite aux acquêts.</em></p>



<p>In my view, a combination of the following is the best way to achieve what you want:<br>1. Choose the total separation regime, which makes sense for both you as it protects you from possible liability stemming from running a business in France, and it needs to be applied selectively.</p>



<p>2. Work with the existing<em>&nbsp;société civile immobilière (SCI),&nbsp;</em>a corporation that owns real estate. Its advantage is that it is extremely versatile and shares can easily change hands between shareholders.</p>



<p>3. Conclude a contractual agreement that takes into account the longevity of the marriage.</p>



<p>With this setup, nothing is shared by virtue of the marital agreement, although there will be some waivers to that rule. Systematic sharing will occur exclusively within the real estate portfolio, where there are assets with little debt, and you plan on reinforcing this sharing over time.</p>



<p>The total separation regime is important when one spouse runs a business, especially if there is any risk of going bankrupt. This regime creates a powerful shield protecting personal assets (including the home) from business creditors. Furthermore, whether you become a French professional, just a consultant or even an employee, your professional liability will never be comparable to his. Your assets are behind the shield, while his are exposed.</p>



<p>That brings us to the SCI. Creditors could demand his shares, but the bylaws should prohibit any third party acquiring shares without prior approval of the existing shareholders, thus forming another strong shield protecting any real estate owned by the two of you. The combination of the prenuptial agreement and the SCI bylaws are a powerful way to protect your interests.</p>



<p>Note that it is possible to jointly own things outside the SCI if both of you sign joint ownership contracts.</p>



<p>To finalize this setup:<br>1. Sign the prenup as well as an agreement on the gift of shares in the SCI, whose number needs to be agreed upon by the spouses.<br>2. The prenuptial agreement or SCI regulations can include a contractual agreement providing for regular, probably annual, transfer of shares from him to you throughout the duration of the marriage. (No taxes are owed when spouses give to each other!) The agreement would say something like this:</p>



<p>“Each January 1st, the wife is to be granted the gift of x shares of the SCI until each spouse owns an equal number of shares.”</p>



<p>That way it is automatic as long as you are together. The lawyers would add various scenarios that would stop the automatic gift: filing for divorce, permanently leaving the domicile, official romantic relationship with a third party, etc. The lawyers should also define who does the registration of the change of ownership, the deadline for doing so and the consequences of defaulting on this obligation. In short, the lawyers need to do their job to properly seal such an agreement.</p>



<p>Another aspect of the situation that will be critical to you is protection of the family domicile regardless of who owns it. That does not need to be in the bylaws or contract, however, as filing the income declaration to the tax office in France is always done jointly and the address that defines the<em>&nbsp;foyer fiscal&nbsp;</em>(fiscal residence) is the<em>&nbsp;domicile conjugale,&nbsp;</em>and since it is automatic, not much more is necessary. In fact, moving to a different home would nullify such a provision in the bylaws or contract.</p>



<p>Throughout my career, I have seen how most people misunderstand what a prenuptial agreement does. This is my definition:</p>



<p>It defines ownership of assets and debts, as it addresses the three issues of&nbsp;<strong>who&nbsp;</strong>owns<strong>&nbsp;what&nbsp;</strong>and&nbsp;<strong>why.</strong></p>



<p>There is a need to address this ownership issue when:<br>– an estate is formed, as it is critical to know what constitutes the estate&nbsp;<br>– a gift of assets is made, regardless of the identity of the beneficiary<br>– a divorce takes place, so each spouse retains what the prenuptial agreement has defined as his or hers.</p>



<p>One last thing, which my expertise does not cover: your fiancée needs to agree to all this.</p>
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<div id="kt-info-box_f44d54-65" class="wp-block-kadence-infobox"><div class="kt-blocks-info-box-link-wrap kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">DISCLAIMER<br/><br/></h2><p class="kt-blocks-info-box-text">Please forward this message to all those who would be interested in its contents. The information contained in this newsletter is intended only as general information. I strongly urge readers to seek professional guidance concerning the legal and tax matters mentioned. This newsletter is intended as a general guide and is not to be taken as professional advice.<br/></p></div></div></div>
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		<title>The Muppet Show: Statler and Waldorf</title>
		<link>https://www.jeantaquet.com/the-muppet-show-statler-and-waldorf/</link>
		
		<dc:creator><![CDATA[Jean]]></dc:creator>
		<pubDate>Mon, 01 Feb 2021 14:49:11 +0000</pubDate>
				<category><![CDATA[2021]]></category>
		<category><![CDATA[COVID]]></category>
		<guid isPermaLink="false">https://www.jeantaquet.com/?p=2235</guid>

					<description><![CDATA[February 2021 First of all, I would like to wish all of you a very happy and prosperous 2021!It has to be better than 2020, an annus horribilis by just about everybody’s account. French custom dictates that New Year’s wishes can be expressed until the end of January,&#160;so I have managed it a few hours [&#8230;]]]></description>
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<h5 class="wp-block-heading"><em>February 2021</em></h5>



<p><strong>First of all, I would like to wish all of you a very happy and prosperous 2021!<br>It has to be better than 2020, an annus horribilis by just about everybody’s account.</strong></p>



<p>French custom dictates that New Year’s wishes can be expressed until the end of January,&nbsp;<br>so I have managed it a few hours before the deadline.</p>



<p>Now that Joseph Biden has been sworn in as the new US president, tension has considerably decreased. For many, Senator Bernie Sanders stole the limelight: the picture of him trying to stay warm at the inauguration ended up pretty much everywhere on social media. To me he looked like a family elder, the grandfather figure looking over the ceremony with what appeared to be a grumpy face.</p>



<p>This reminded me of&nbsp;<em>The Muppet Show –&nbsp;</em>specifically, Waldorf, one of two elderly men sitting in the balcony constantly criticizing and mocking what is happening onstage.</p>



<p>Wikipedia:<br>Statler and Waldorf are a pair of Muppet characters known for their cantankerous opinions and shared penchant for heckling. The two elderly men first appeared in<em>&nbsp;The Muppet Show&nbsp;</em>in 1975, where they consistently jeered the entirety of the cast and their performances from their balcony seats.</p>



<p>Of course, it might just be my imagination but I had the feeling that Senator Bernie Sanders was not just there as the elder, happy to be present as he celebrated the installation of President Biden, but that he was also checking him out in case the Biden policies were not to his liking. The senator is known for passionate speeches that often sound a little like a parent scolding children.</p>



<p>None of this is meant to express my political opinions. It was truly refreshing to be able to experience humor and irony while watching the Biden inauguration. Also, I am not sure when my caustic mind will have another opportunity to play like this when so many dramatic situations need to be fixed. I just hope the situations in the USA – and France, for that matter – significantly and rapidly improve.</p>



<p>It is obvious to me that, even once the pandemic is completely under control, none of us will be able to return to what the life was before. I just hope that a new normal comes sooner rather than later, and that major world economies do not collapse.</p>



<p><strong><span style="color:#5182FF" class="color">THE GOOD THINGS I GOT FROM 2020</span></strong><br>This past year was terrible in many ways and I went through some pretty difficult moments because of the COVID-19 pandemic and its consequences in several aspects of my life. Like many, I could list those and complain about them. But instead I would like to talk about the benefits I got from the year. I am not a masochist; some really nice things resulted from the strict regulations with which we have had to live.</p>



<p><strong>Spending time with my daughter</strong><br>Lucille came back from South Korea a couple of weeks before the first lockdown began on March 17th. After missing her for about a year, my wife and I managed to live in close company with her, without going out much. Thus we got an extended time with her before she left for the UK, from where she will probably go back to South Korea. We knew her plans and thus did as much as we could to make the most of our lockdown time together.</p>



<p><strong>Being in better physical shape</strong><br>As soon as I realized the first lockdown would last several weeks, I knew if I did not have the discipline to do some exercises every day, I would gain weight and might not be able to handle the strict confinement that well. This activity gave some structure to my day and I managed to alternate work and family time. Even though I did not leave the apartment the entire time, I lost some weight.</p>



<p>After that lockdown ended, I decided to ride my bicycle everywhere and no longer take public transport, which also had the benefit of avoiding a possible source of infection. More important for me was that, even though I am 61, I managed in a few days to regain enough energy and strength to enjoy this new lifestyle, as so many Parisians were doing at that time. Hence I am starting 2021 feeling physically much better and weighing significantly less than a year ago.</p>



<p><strong>Taking advantage of an early curfew</strong><br>With the kind of work I do, leaving the office at 5:30PM is unsustainable, so I do my best to work some when I am at home. This radical change has led to a complicated situation professionally. But, at the same time, it means dinner at home every day and a different rhythm of life, which I welcome at my age. For quite a while I had looked into various ways to spend more time at home, but without much success. Yet this desire, combined with the strict regulations, means I now enjoy more family time.</p>



<p>I am fully aware that I am quite fortunate to have the means to do this. I have been helping people in very bad situations, which ended up being even worse either because of being isolated for so long or having survived COVID-19 but in worse physical condition than before. I make sure to count my blessings and stay aware of what others are going through.</p>



<p><strong><span style="color:#5182FF" class="color">THE VACCINATION CAMPAIGNS</span></strong><br>Over the holidays, so many topics addressed in the media, both in France and in the USA, mingled public health and political issues, which in my view should stay separate. Now the discussions about vaccination and the campaigns going on in the USA, France and other countries involve heated debates. When I was a child, vaccination programs were part of the school system and there was never any discussion about it. Even in the 1990s, when my children were born and vaccinated in France, there was no discussion in the media. I do not intend to address the many reasons the debate is now so heated. I saw a meme on Facebook in which 2020 was represented by a mask and 2021 by a syringe. The fact that it was posted by so many people shows how important the topic is. Still, a vaccination campaign could be illustrated in many ways, so the choice of the syringe is symptomatic of the fear people have about what is going to be put inside their body.</p>



<p>That made me think of a couple of songs from artists I like:</p>



<p>Wikipedia<br>“The Needle and the Damage Done” is a 1972 song by Canadian-American singer-songwriter Neil Young. The lyrics describe the effects of heroin addiction on musicians Young knew, including his friend and Crazy Horse bandmate Danny Whitten, who would die of an overdose the same year the song was released.</p>



<p>“The Needle and the Spoon” is found on<em>&nbsp;Second Helping,&nbsp;</em>the second studio album by Lynyrd Skynyrd, released April 15, 1974. It featured the band&#8217;s biggest hit single, “Sweet Home Alabama”, an answer song to Neil Young&#8217;s &#8220;Alabama&#8221; and “Southern Man”.</p>



<p>Of course, these songs are about heroin addiction, not vaccination. What drives the global push to get the coronavirus vaccination done as quickly as possible is the hope of freeing people from a deadly pandemic. Yet at the same time sadly there is widespread fear that what is being put in the body could be deadly, like heroin.</p>



<p>I have yet to see anyone else address the issue from this angle. Coming up with those songs says a lot about my taste in music.</p>



<p>I wish that scientists, those in the medical profession, and drug manufacturers had the same weight and authority in serving the public interest as in the 1960s when I was getting all my shots. Vaccination will almost certainly dominate the media discourse in 2021.</p>



<p>I promised myself that this year I would stay even farther away from politics, especially US politics. Yet on the night of the inauguration, just for a second, I had an image of all those people standing before the Capitol listening to fans of Neil Young and Lynyrd Skynyrd singing their old tunes about how hard life can be for the working class. It was a very refreshing vision, totally unrealistic yet soothing to my soul, especially after the horrendous images of the Capitol a week earlier.</p>



<p><span style="color:#5182FF" class="color"><strong>A MESSAGE FROM LA POSTE</strong> </span><br>For a long time the French post office required a tiny green form to be filled out whenever a package was sent outside France. Basically it listed the contents, their weight and value, and perhaps most importantly, whether they were a gift. This form, glued to the box, was the only document needed to clear customs inspection.</p>



<p>This declaration, like so many other government forms, must now be done online and much more information is required to fill it out. Among other things, packages consisting of gifts or property belonging to the recipient must be identified as private, not business, transactions. Packages sent by private individuals are not supposed to be subject to VAT and customs duties. I wonder, if one buys a new product and sends it in its original wrapping as a gift to a family member, is it still seen as private shipping? So, yes, now instead of a green sticker there is a four-page online form, but it may make it easier to avoid paying unjustified taxes.</p>



<p>FROM LA POSTE<br>“We inform you that any customs declaration must henceforth be made online so as not to expose yourself to a customs blockage of your goods. You can access the customs declaration form via this link:<br><a href="https://ymlpcl1.net/42b6bwyuacaewswmatamqqaxajsew/click.php" target="_blank" rel="noreferrer noopener">www.laposte.fr/formulaire-douane&nbsp;</a></p>



<p>“You are required to complete these formalities for your shipments outside the European Union but also to Great Britain and Northern Ireland from January 1, 2021.</p>



<p>“We thank you for your understanding.”</p>



<p><strong><span style="color:#5182FF" class="color">A READER’S ACCOUNT OF COMING TO FRANCE DURING THE PANDEMIC</span></strong><br>I wanted to elaborate on what happened at the Chicago airport. We flew Air France and they called us July 31st, the day before we were scheduled to fly, and said F., our fourteen-year-old son, needed a French passport. So many people wanted a French passport because of travel restriction that we were unable to get an appointment until September 24th. It took four weeks for his passport to arrive. While we were at the French consulate, I was told that I needed a visa also. I called the appropriate center to request a visa. I left ten polite messages over the next two weeks and never heard back. I was told by the French consulate staff that the center’s personnel took several months to return a call. So I essentially gave up. I was reassured that by having a<em> livret de famille </em>and a<em> carte de séjour, </em>even an expired one, I could travel. At Air France the woman in charge told me I could not travel. A French man overheard the situation and said that he was satisfied with my documents. I was very relieved. I was asked again for a visa at customs, but ignored the question and I was not asked again. The official just stamped my American passport and F.’s French passport. So, I was extremely lucky, including for my expired<em> carte de séjour. </em>Note: during our flight, we were asked for Covid-19 negative test results, which we had. I was asked for these negative test papers four times: at Air France, at boarding, at customs and in a random check outside customs. I would say the majority of the French passengers did not have a test and had to wait in a huge long line at customs before entering. Also the flight appeared to be only about 40% full. Anyway, we were really lucky. So, I think I might have needed a visa, but that I was able to travel because a nice Air France agent took pity on me. I had made arrangements to stay another month in our apartment in the USA in case we were turned away but we made it through. I am very grateful to be back with my husband and our son F!</p>



<p><strong><span style="color:#5182FF" class="color">MOVING TO THE OTHER FRANCE</span></strong><br>Many foreigners are settling outside the Paris region and some choose some very rural places. It used to be that people living in farm country were hostile to newcomers, that it took decades before one could bond with the rest of the population. Now some of those places have so few inhabitants that they welcome those from the city, even foreigners. The Dordogne region has long been known for having a lot of British residents. I had this exchange recently with a reader who lives there.</p>



<p><strong>READER</strong><br>Jean, a very interesting letter. I was taken by your description of the ‘Bones’ series, particularly the episode about the Chinese women. The Chinese, also the Vietnamese, but particularly the Chinese, bring over illegal women and young people to work in their ‘Chinese’ restaurants. They have their very own mafias. They have been in existence for as long as they have been in the US. We call it ‘people laundering’. The immigrants live in small quarters amassed mostly with women, usually young women. I have been to many restaurants in the US where this is true, not only in the big cities. Their importation supposedly gives them a start in life, but I do not know how much money they ever see from waiting on tables and washing dishes. I stopped going to the restaurants, as it was all too obvious and terribly sad. They treat their own this way. Not Americans. By the way, not all Chinese restaurants do this. There are many upstanding Chinese in America who have brought their culture to share with us. They are respected.</p>



<p>Jean, I really understand what you are saying. In the West, many just write a check and think they have done their duty. It helps, but not in the long run. I guess my not going to Chinese and Vietnamese restaurants was my protest. It was the best I could do at the time that was continuous and not giving up.</p>



<p>I also see the young Moroccan population entering our towns, many staying together, and having their own slogans, such as Berber vs Islam. Can you explain this? I have a man who picks up cartons of things arriving at my apartment. He is a Berber. It is fascinating. He came today to help a man deliver a large carpet to me.</p>



<p>M., my Berber handyman, asked me to go on eBay for him and order a silver Berber cross. I did. It has arrived and I will give it to him this week. They live here under the radar, no papers, etc., but work very hard and have great senses of humor! There is so much to learn about France that a trip to Paris does not give you. I love it here.</p>



<p><strong>ME</strong><br>Thank you for your message. There are many different topics to address.</p>



<p>Our family church, the American Church in Paris (ACP), has had a Filipino Fellowship for about 30 years. When I was just a new member without any responsibilities, I attended their lunch and meeting every Sunday for about two years. I raised their awareness of the risk their undocumented members faced in those days.</p>



<p>Once this was done, I proposed a project to protect them from bad employers. They were against this. The reason was that they needed the employers so as to earn money. I was often told that you do not bite the hand that feeds you. They explained that their solution was to inform the community about the bad employers so they could be avoided. It took me a long time to come to terms with the situation, but I finally did so by acknowledging that they had found ways to handle the consequences of moving to a Western country and that they accepted their plight.</p>



<p>Unfortunately, undocumented aliens are exploited even more than legal immigrants. So this shifted my attention, and caused me to address and sometimes get involved in extreme cases involving those without papers. Very early on, as part of this group, I became aware of the existence of modern-day slavery in Western countries on an individual basis.</p>



<p>I remember vividly the reaction of a woman from Mauritius to the 1995 World Conference on Women, which was held in Beijing that year. Many Western feminists were upset due to China’s poor record on women’s and human rights. This woman was elated that the meeting took place in China; she thought that was wonderful! She said many developing countries would attend without facing the massive criticism they encountered in the industrialized countries where meetings had been held previously. The developing countries’ national medias would cover the conference, she said, and added that this could be the first time many women learned about the existence of women’s rights. Her reasoning pierced my heart, and gave me a different way of looking at things. Meetings under these conditions could potentially lead to more progress than just bringing awareness to developing countries as well as developed ones.</p>



<p>One point that should not be overlooked is that there are exchanges occurring alongside the official agenda at such conferences. A common criticism of aid to developing countries is that the reality of their societies is ignored and Western methods are used, often doing more harm than good. The changes the industrialized world wants to see in developing countries can only occur from inside and therefore through voluntary and progressive policies. A country alone, or an alliance of countries, or, at a lower level, one person, cannot suddenly impose change, which is almost always unwelcome and lead to resentment. The most recent trend is to provide resources and guidance tailored to local conditions. That way countries can build their own infrastructure meeting their own specific needs.</p>



<p>This woman’s reaction illustrated for me the disconnect between human rights legislation and the dialogue surrounding it in developed and developing countries and taught me to listen more before proposing any solution. I have concluded that developed countries and activists often miss the point when dealing with situations outside what they consider normal.</p>



<p>I take no issue with patronizing a Chinese restaurant, for example, even though I know there is a chance of human rights violations occurring in the kitchen. Also, I have come to terms with the fact that only the community in question can change the situation. Therefore, my mission has become to find people in these groups and help them address such situations their way.</p>



<p>It is only quite recently that I have been involved with people from North Africa. I took a crash course in their history and culture, which existed before the Roman Empire. The historical situation is complicated. In French, the term “Berbère” can designate tribes, an ethnic belonging, or a culture called Amazigh, which is found in the Kabyle region of Algeria. This term comes from the ancient Greek language (from βάρβαρος, which is also the root of “barbarian”). It literally meant “people who say blah blah” (i.e., people whose language the Greeks could not understand).</p>



<p>At its peak, the Berber kingdom extended over all of northern Africa, from Morocco to Egypt. It became Muslim when the Arabs went to conquer Spain and passed through Berber territories in the 7th century. Today, around 90% of the people of Morocco, Algeria. and Tunisia are ethnically Berber, but a majority of them speak Arabic and consider themselves Arab and Muslim. However, in the last twenty years there has been growing demand to have the Berber-Amazigh language, culture, heritage, and religion recognized. In 2011, Morocco made Amazigh an official languages alongside Arabic. Algeria followed in 2016. These late dates show how much the rulers of these countries resisted recognizing their own cultural diversity. This is currently a problem in both Algeria and Morocco. My assistant is Algerian and she taught me the essentials on this subject.</p>



<p>One thing I discovered that was a true eye opener regarding the complexity of this situation is that it is generally agreed that Saint Augustine of Hippo, one of the first great Christian theologians, was a member of a family that had been Berber at the time Rome conquered Numidia.</p>



<p>Wikipedia<br>Augustine of Hippo (Latin:<em>&nbsp;Aurelius Augustinus Hipponensis;&nbsp;</em>13 November 354 – 28 August 430), also known as Saint Augustine, was a theologian, philosopher, and the bishop of Hippo Regius in Numidia, Roman North Africa. His writings influenced the development of Western philosophy and Western Christianity, and he is viewed as one of the most important Church Fathers of the Latin Church in the Patristic Period. His many important works include<em>The City of God, On Christian Doctrine, and Confessions.</em></p>



<p><strong><span style="color:#5182FF" class="color">MY BUSINESS HAS A NEW FACEBOOK PAGE</span></strong><br>Over the holidays, my assistant, Sarah, took an interesting initiative and created a new Facebook page. It is a good move for her, since she and I both moderate it. She can show off her expertise and her ability to give good advice and clearly explain solutions. She does this in French, leaving the queries in English to me.</p>



<p>Since I am already active in a few Facebook groups and my website is my main showcase, I did not feel I needed such a page. On the other hand, it should no doubt benefit her sooner than later.</p>



<p>You are welcome to join:<br><a href="https://ymlpcl1.net/5a424wyeaaaewswmagamqqalajsew/click.php" target="_blank" rel="noreferrer noopener">https://www.facebook.com/rattachement</a></p>



<p>Best regards,</p>



<div id="kt-info-box_92907f-9c" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-left kt-info-halign-left kb-info-box-vertical-media-align-top"><div class="kt-blocks-info-box-media-container"><div class="kt-blocks-info-box-media kt-info-media-animate-none"><div class="kadence-info-box-image-inner-intrisic-container"><div class="kadence-info-box-image-intrisic kt-info-animate-none"><div class="kadence-info-box-image-inner-intrisic"><img decoding="async" src="https://www.jeantaquet.com/wp-content/uploads/2022/08/JeanTaquet-2.gif" alt="" width="147" height="132" class="kt-info-box-image wp-image-1932"/></div></div></div></div></div><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title"></h2><p class="kt-blocks-info-box-text"></p></div></a></div>



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<div id="kt-info-box_9ee5fb-4e" class="wp-block-kadence-infobox"><a class="kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-blocks-info-box-media-container"><div class="kt-blocks-info-box-media kt-info-media-animate-none"><div class="kadence-info-box-image-inner-intrisic-container"><div class="kadence-info-box-image-intrisic kt-info-animate-none"><div class="kadence-info-box-image-inner-intrisic"><img decoding="async" src="https://www.jeantaquet.com/wp-content/uploads/2022/08/qetA-01-300x153-1.png" alt="" width="300" height="153" class="kt-info-box-image wp-image-1870"/></div></div></div></div></div><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">QUESTION<br/><br/><em>THE RESIDENCY REQUIREMENT FOR THE CARTE DE RESIDENT</em><br/><br/></h2><p class="kt-blocks-info-box-text"><em>One question seems to come up repeatedly on a Facebook forum to which I cannot find a definitive answer, although I have tried searching online. One requirement for obtaining a carte de résident is implied in the statement: « Après 5 ans passés en France, de façon légale et <strong>ininterrompue. </strong>»</em><br/><em>So, here is the question. What is the definition of ininterrompu? Perhaps the core question is even more basic. If a person holds a short-term/temporary titre de séjour, such as a VLS-TS or a carte de séjour temporaire “visiteur,” is there a limit to the amount of time they may be out of France during 365 consecutive days and still qualify for a renewal?</em></p></div></a></div>



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<p><em>Ininterrompu&nbsp;</em>can be translated as “uninterrupted,” but that does not help, since what really matters is what constitutes an interruption..</p>



<p>Let’s look at several situations linked to different types of immigration status.</p>



<p>1 &#8211; Not residing fiscally in France<br>According to the law, almost all kinds of immigration status require a French income tax statement. If a year is missing, residency in France is considered to have been interrupted. You mention requesting a<em>carte de résident,&nbsp;</em>the equivalent of the US “green card,” and the necessity of proving five fiscal years in France. If one year is missing, the calculation of the five years resets the following year with a French income tax statement. This means the<em>&nbsp;“visiteur” carte de séjour&nbsp;</em>holder must submit an income tax declaration and ideally on time, which is during April and May when the declarations are normally filed. This year it should be between April 19th and June 11th, 2021. Back filing for foreigners holding<em>&nbsp;visiteur&nbsp;</em>status has become increasingly difficult.</p>



<p>2 &#8211; Spending six months outside France per calendar year while holding<em>&nbsp;visiteur&nbsp;</em>status<br>In a given calendar year, the person must stay in the country more than six months to qualify as a French fiscal resident. The foreigner must declare worldwide income to France, regardless of where it is taxed. Under the Franco-American treaty, all unearned income is taxed in the USA, and there is no income tax to be paid in France on this money. Many do not understand that owing no tax in France does not exempt one from the obligation of filing a declaration in France. Furthermore, the French tax office, unlike the IRS, does not issue fines to those who do not file declarations. The prefecture checks one’s presence in France and can refuse to renew the status if the length of presence has been insufficient.</p>



<p>3 &#8211; Exceptions to the six-month presence</p>



<ul class="wp-block-list"><li>Holding French self-employed status allows you to stay outside France for pretty much the entire year if you can prove it was for professional reasons. Since your business is anchored in France, your fiscal residence is secured this way.</li><li>Holding family status, which requires living with a French spouse or partner, for example, limits the absence to three months. If the absence is longer than three months, the prefecture may suspect the couple does not live together anymore.</li></ul>



<p>4 &#8211; Requirements to obtain a<em>&nbsp;carte de resident</em><br>The<em>&nbsp;carte de résident&nbsp;</em>first and foremost requires French fiscal residence of at least five years’ duration. The necessary income is mentioned on the<em>&nbsp;avis d’imposition sur le revenue,&nbsp;</em>which is the statement the tax office sends in late August or early September. It must be at least the French net taxable minimum wage (SMIC), which is about 15,000€ a year.</p>



<p>The prefecture looks at those fiscal documents to see if the applicant qualifies. Then a more general analysis is done.</p>



<p>I remind you that the law itself does not go into that much detail on the requirements to obtain a<em>&nbsp;carte de résident.&nbsp;</em>It simply says the level of integration in French society is sufficient to obtain the card.</p>



<p>From there, the Ministry of Interior has defined the requirements as follows:<br>The applicant must hold a<em>&nbsp;carte de séjour.&nbsp;</em>The immigration status of ‘student’<em>&nbsp;(carte de séjour étudiant)</em>&nbsp;and that of ‘expat’<em>&nbsp;(carte de séjour, passeport-talent &#8211; salarié en mission)&nbsp;</em>do not count towards the five-year stay.</p>



<p>Your stay in France must have been uninterrupted, but certain absences are authorized (maximum absence of six consecutive months for a total of ten months of absence) and taken into account in the calculation of the five years.</p>



<p>You must pay for public or private health insurance.</p>



<p>You must have stable, sufficient and regular means of supporting yourself, which means at least the SMIC, which is currently 1,554.58€ gross monthly, 18,654.96€ gross yearly.</p>



<p>The prefecture evaluates what it considers to be your republican integration into French society, which goes beyond an A2 level of French. It also includes your commitment to respect the principles governing the French Republic and compliance with these principles. To assess your integration, the prefect asks the mayor of your municipality of residence for an opinion.</p>



<p>This description indicates a very in-depth and rigorous review. Often the incredibly preferential treatment by the prefecture, especially in Paris, of North Americans (US and Canadian citizens) gives a false impression. They are almost never asked to show any tax documents to renew their<em>&nbsp;visiteur&nbsp;</em>immigration status. And yet this should be a must, as there is a true legal obligation for it. North Americans are thus misled into thinking they have no obligation to declare in France until they ask for the<em>&nbsp;carte de résident&nbsp;</em>and are asked to show their<em>avis d’imposition.&nbsp;</em>Even then, on very rare occasions, they obtain the<em>carte de résident&nbsp;</em>without showing French fiscal documents.</p>



<p><a href="https://ymlpcl1.net/84df0wymakaewswmadamqqazajsew/click.php" target="_blank" rel="noreferrer noopener">www.service-public.fr/particuliers/vosdroits/F17359</a></p>
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<p>You are enduring a phenomenon that is familiar to many social workers and people working with NGOs that help the homeless and destitute. It is the fact that financial help does not gradually diminish as earnings increase, but rather stops when a set limit is reached, so that the situation is better with a lower income than with just a little bit more. The situation you have experienced discourages many people going through this transition. It takes a lot of dedication and determination to overcome this hardship. It means you have to earn somewhat more, until that the aid lost is less than the increased earning power.</p>



<p>Explaining why it happened does not help much. But at least if you understand how the system works, you can be prepared for the next phase if your situation continues to improve.</p>



<p>I believe this is what happened to you:</p>



<p><strong>You have declared an annual income exceeding 9,032€ or 12,193€.</strong><br>CMU-C&nbsp;<em>(couverture médicale universelle complémentaire)&nbsp;</em>covers 100% of your medical cost for free without any limit, with no copayment, as long as it is medically prescribed. In the system’s view, anyone earning so little does not have the means to pay for public medical coverage. This program is often linked to receiving the RSA<em>&nbsp;(revenu de solidarité active),</em>&nbsp;the equivalent of basic welfare in the USA. This subsidy is paid by the CAF<em>&nbsp;(caisse d’allocations familiales)&nbsp;</em>because at one time you either received it or your annual earnings as a single person were below the limit of 9,032€. If you earn less than that, the CAF pays the balance. This is why there is a quarterly declaration of your earnings and unearned income. Once your income exceeds the limit, this information is passed on to CPAM. The result is that you are out of the CMU-C program and are told you can sign up for another, less advantageous one called ACS<em>&nbsp;(aide au paiement d&#8217;une complémentaire santé).&nbsp;</em>In fact, those two programs were merged on December 1st, 2019, becoming the<em>&nbsp;complémentaire santé solidaire.&nbsp;</em>The transition from one to the next is now automatic. The maximum level of earnings for the ACS is 12,193€.</p>



<p>You say you work at minimum wage for 32 hours weekly. Since full time is 35 hours, a ratio of 32/35=0.9143 is used. The net taxable annual SMIC for 2020 was 14,614.60€. Multiply that by 0.9143 and you get 13,261.92€. Thus, your current income just exceeds the ACS limit, which is probably why you lost the benefit.</p>



<p>You might get some tiny satisfaction from knowing that your employer must pay for secondary health insurance, known as a<em>mutuelle,&nbsp;</em>which may not cover as well as CMU-C but should be quite close – or even better, perhaps; who knows?</p>



<p>As for the 75% discount on the cost of the Navigo pass, Paris Solidarité Transport handles this program for people with very low income. The pass may be free or 75% off. The program is directly linked to the CAF and CPAM, so people benefiting from the RSA and CMU-C get the discount automatically. Once you are no longer eligible for these benefits, you also lose this transportation benefit.</p>



<p>I would remind you that your employer must pay half the cost of your Navigo pass as part of your compensation, so you are not losing everything by having a job.</p>



<p>Your employer incurs costs for your<em>&nbsp;mutuelle&nbsp;</em>and half of your transportation. But I understand if this does not make up for feeling that programs you have benefited from for years have been stripped away from you.</p>
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<div id="kt-info-box_f44d54-65" class="wp-block-kadence-infobox"><div class="kt-blocks-info-box-link-wrap kt-blocks-info-box-media-align-top kt-info-halign-left"><div class="kt-infobox-textcontent"><h2 class="kt-blocks-info-box-title">DISCLAIMER<br/><br/></h2><p class="kt-blocks-info-box-text">Please forward this message to all those who would be interested in its contents. The information contained in this newsletter is intended only as general information. I strongly urge readers to seek professional guidance concerning the legal and tax matters mentioned. This newsletter is intended as a general guide and is not to be taken as professional advice.<br/></p></div></div></div>
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