A FEW DEFINITIONS

Understanding The French System     l     Examples of Reimbursements

Hospitalization     l     Key Words     l     Usefull Phrases

 

Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

Examples of reimbursement:  

 SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

"Prise en charge"
Possible on demand even for Optical and Dentistry.

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

Hospitalization / Hospitalisation:

The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".

If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your medical history - "antécédents médicaux ou chirurgicaux".
 You will be asked about any medication you are taking – "Quel est votre traitement actuel / courant/ en cours?"
 They will ask about your diet – "Avez-vous un régime spécial?"  Without salt – "Sans sel"   Without sugar – "Sans sucre"   Gluten free – "Sans gluten"

A FEW DEFINITIONS

Understanding The French System     l     Examples of Reimbursements

Hospitalization     l     Key Words     l     Usefull Phrases

 

Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

Examples of reimbursement:  

 SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

"Prise en charge"
Possible on demand even for Optical and Dentistry.

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

Hospitalization / Hospitalisation:

The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".

If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your medical history - "antécédents médicaux ou chirurgicaux".
 You will be asked about any medication you are taking – "Quel est votre traitement actuel / courant/ en cours?"
 They will ask about your diet – "Avez-vous un régime spécial?"  Without salt – "Sans sel"   Without sugar – "Sans sucre"   Gluten free – "Sans gluten"

Expat Financial Advisors

Contact Brian Furzer  Tel: 05.46.48.97.73 Mob: 06 25 36 30 65  brian.furzer@spectrum-ifa.com

Why use Currencies Direct? - the benefits.

Challenging traditional banking conventions, Currencies Direct guarantees to beat any retail bank both in price and service. From the moment we were established our aim has been simple. To provide a personalised service and save our clients money from dealing with traditional banks.

• Increasing your spending power. Because we deal directly with the currency markets we can offer the best foreign money exchange rates that the banks find hard to beat. These great foreign currency exchange rates mean that you get more for your money.
• Saving you money. We want to make sure that you get the best forex deals you can so that's why we offer all our clients free transfers (over £5,000) and charge no commission. Plus, Currencies Direct does not charge lifting/receiving fees on forex transfers.
• Tailored to your circumstances. As specialist foreign exchange brokers we are able to offer a number of product choices for foreign exchange including spot deals, forward contracts and limit orders. Which one is right for you will depend on your circumstances, foreign currency needs and timing.
• Easy to deal with. You can trade in forex with us by phone, talking directly to a currency specialist, electronically or by fax. The first step is to become a registered private or business customer. Our registration process is second to none. You can register with us online and be ready to trade in minutes.
• Make regular payments overseas. Mortgage, maintenance, insurance - whatever your reason for making regular money transfers Currencies Direct's Overseas Regular Money Transfer Plan can save you money. With free forex transfers, great foreign exchange rates and low minimum amounts we really make is easy to keep benefiting from our great service. Click here for more information.
• For businesses, we are committed to delivering excellence in customer service and solutions to help your business grow and compete more effectively within the global market place.

Currencies Direct Limited is a leading payment technology solutions company and it was one of Europe's first independent foreign exchange specialists in 1996 to recognise the need in the market for an expert secondary Foreign Exchange provider to traditional banks. Its innovative approach is based on dealing directly with the currency markets and matching buyers with sellers thus eliminating intermediaries and giving it a competitive edge in pricing foreign exchange. Twelve years on Currencies Direct is now one of Europe's largest foreign exchange specialist with a head office and operations across 5 continents, with 2,000 strong franchise network of business partners and is part of the Azibo Group.

 Trust a specialist to Get it Right on Overseas Transfers 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose. 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free. 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates. 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers. 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus. 

Written by Karl Sieha,  Currencies Direct 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

A FEW DEFINITIONS

Understanding The French System     l     Examples of Reimbursements

Hospitalization     l     Key Words     l     Usefull Phrases

 

Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

Examples of reimbursement:  

 SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

"Prise en charge"
Possible on demand even for Optical and Dentistry.

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

Hospitalization / Hospitalisation:

The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".

If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your medical history - "antécédents médicaux ou chirurgicaux".
 You will be asked about any medication you are taking – "Quel est votre traitement actuel / courant/ en cours?"
 They will ask about your diet – "Avez-vous un régime spécial?"  Without salt – "Sans sel"   Without sugar – "Sans sucre"   Gluten free – "Sans gluten"

Expat Financial Advisors

Contact Brian Furzer  Tel: 05.46.48.97.73 Mob: 06 25 36 30 65  brian.furzer@spectrum-ifa.com

Why use Currencies Direct? - the benefits.

Challenging traditional banking conventions, Currencies Direct guarantees to beat any retail bank both in price and service. From the moment we were established our aim has been simple. To provide a personalised service and save our clients money from dealing with traditional banks.

• Increasing your spending power. Because we deal directly with the currency markets we can offer the best foreign money exchange rates that the banks find hard to beat. These great foreign currency exchange rates mean that you get more for your money.
• Saving you money. We want to make sure that you get the best forex deals you can so that's why we offer all our clients free transfers (over £5,000) and charge no commission. Plus, Currencies Direct does not charge lifting/receiving fees on forex transfers.
• Tailored to your circumstances. As specialist foreign exchange brokers we are able to offer a number of product choices for foreign exchange including spot deals, forward contracts and limit orders. Which one is right for you will depend on your circumstances, foreign currency needs and timing.
• Easy to deal with. You can trade in forex with us by phone, talking directly to a currency specialist, electronically or by fax. The first step is to become a registered private or business customer. Our registration process is second to none. You can register with us online and be ready to trade in minutes.
• Make regular payments overseas. Mortgage, maintenance, insurance - whatever your reason for making regular money transfers Currencies Direct's Overseas Regular Money Transfer Plan can save you money. With free forex transfers, great foreign exchange rates and low minimum amounts we really make is easy to keep benefiting from our great service. Click here for more information.
• For businesses, we are committed to delivering excellence in customer service and solutions to help your business grow and compete more effectively within the global market place.

Currencies Direct Limited is a leading payment technology solutions company and it was one of Europe's first independent foreign exchange specialists in 1996 to recognise the need in the market for an expert secondary Foreign Exchange provider to traditional banks. Its innovative approach is based on dealing directly with the currency markets and matching buyers with sellers thus eliminating intermediaries and giving it a competitive edge in pricing foreign exchange. Twelve years on Currencies Direct is now one of Europe's largest foreign exchange specialist with a head office and operations across 5 continents, with 2,000 strong franchise network of business partners and is part of the Azibo Group.

 Trust a specialist to Get it Right on Overseas Transfers 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose. 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free. 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates. 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers. 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus. 

Written by Karl Sieha,  Currencies Direct 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

 If you're thinking of buying a property in France, you can't afford to miss
The French Village at A Place in the Sun Live on  

28th-30th September 2012, NEC Birmingham 

 The experts on France, French-Property.com, work in association with A Place in the Sun to host the boutique French Village at our forthcoming exhibition. 

The French Village at London's Earls Court

French-Property.com will be hosting their popular ‘French Village’ at A Place in the Sun Live exhibition at London's Earls Court, 30th March - 1st April.

A Place in the Sun Live is the largest overseas property exhibition in the UK and our French Village is a major display area at the event.

As well as offering a selection of properties from agents and private vendors across France, there will be an opportunity to hear from a range of specialist speakers on buying property and living in France.

Amongst the exhibitors will be Halo Financial, Siddalls Financial Advisors Ltd, Leggett Immobilier, Furley Page Solicitors, Soficas Medical Insurers, Richard Immobilier, International Private Finance, Le Bonheur Immobilier, Charente Immobilier, and Move Vitesse Removals

There is a packed seminar programme for the three days of the show, with rolling presentations from expert speakers, together with ‘Ask the Experts’ panel sessions.

The seminars will cover some of the key issues of concern to French property buyers:

• Legal process of Buying Property
• French Taxation and Inheritance
  
• Health Cover
  
• Currency Management
• Living in France
• Getting a Mortgage
  

The seminars will be overseen by David Yeates, News Editor of French-Property.com.

They will be free to attend on a first come, first served basis.

French-Property.com will be offering a free ‘Guide to Buying Property in France’, and visitors will also be able to meet the team to discuss their French property needs and aspirations.

French-Property.com is one of the leading Anglophone sites for property listings in France, with around 13,000 properties and over 100 agents on our site.

In recent years we have also developed an authoritative source of information and advice on buying property and living in France, through our Guides to France and Newsletter. 

 French Village Shines at A Place in the Sun Live NEC 2011

A strong turnout last weekend at the French Village, A Place in the Sun Live, does suggest that the tide may well be turning on interest in buying property in France.

Pat Monk, Managing Director of French-Property.com stated, 'This was the fourth occasion when we have hosted the French Village at the APITS property exhibition. Given the current climate, it was also one we approached with a fair degree of apprehension.

So it was with great delight and surprise to find that when the doors to the exhibition opened on Friday morning we were quickly overrun with dozens of visitors looking for a property to buy, and for further information on living in France.'

Over the whole of the three day event, we estimate between 1500 and 2000 people called in on the French Village.

Not only were there particulars available on hundreds of properties for sale, but also estate agents and experts on hand to discuss all aspects of buying property and living in France.

A large number of the seminars we ran over the three days were completely full, with standing room only in many cases.

Perhaps of as much interest as the turnout was the quality of those who came along to the show, with the vast majority of visitors clearly very interested in relocating to France, determined to learn as much about how best to do it and what to expect.

John Richardson of French mortgage brokers International Private Finance Ltd, one of the exhibitors in the French Village, stated that, ‘Despite the negative headlines currently dominating the press it was refreshing to see first-hand the enthusiasm that remains amongst potential buyers of second homes in France.’

‘The show also provided a great opportunity to speak to potential buyers face-to-face and understand what information they are looking for, where they are looking to buy, and concerns they may have regarding the process and the availability of French mortgages,’ he stated.

A similar view was expressed by 
Tony Mason of medical insurance brokers Soficas.
’We were amazed to at the size of the turnout for our seminar presentations and the clear level of interest that those who attended expressed in finding out more about their health insurance options when they relocate to France’, he stated.

For Sarah Bogard of solicitors Furley Page 'The exhibition is a major event in the calendar and the Birmingham show was once again a great success. Our legal team met many people to talk about their ambitions to move over to France to live, as well as a good number in search of a holiday home. We find the French Village a fantastic one stop shop for all the key information required for anyone considering such a life changing move.'

Sally Stone of property management company Les Bons Voisins stated, 'Our company prides itself on doing what it says on the tin, so I can only say how pleased we are to be part of the French Village at A Place in the Sun exhibitions. Under the overall umbrella of French-Property.com the breadth of information and assistance available to visitors is second to none.'

David Johnson, Director of Halo Financial Ltd, currency brokers and sponsors of the French Village also considered that there was a definite increase in interest in buying property in France.'We took more enquiries on the first day of the exhibition than we did over the three days of the London exhibition in March. There is no doubting it; despite the uncertainty that is around, France is getting back on track.’

A FEW DEFINITIONS

Understanding The French System     l     Examples of Reimbursements

Hospitalization     l     Key Words     l     Usefull Phrases

 

Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

Examples of reimbursement:  

 SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

"Prise en charge"
Possible on demand even for Optical and Dentistry.

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

Hospitalization / Hospitalisation:

The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".

If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your medical history - "antécédents médicaux ou chirurgicaux".
 You will be asked about any medication you are taking – "Quel est votre traitement actuel / courant/ en cours?"
 They will ask about your diet – "Avez-vous un régime spécial?"  Without salt – "Sans sel"   Without sugar – "Sans sucre"   Gluten free – "Sans gluten"

Expat Financial Advisors

Contact Brian Furzer  Tel: 05.46.48.97.73 Mob: 06 25 36 30 65  brian.furzer@spectrum-ifa.com

Why use Currencies Direct? - the benefits.

Challenging traditional banking conventions, Currencies Direct guarantees to beat any retail bank both in price and service. From the moment we were established our aim has been simple. To provide a personalised service and save our clients money from dealing with traditional banks.

• Increasing your spending power. Because we deal directly with the currency markets we can offer the best foreign money exchange rates that the banks find hard to beat. These great foreign currency exchange rates mean that you get more for your money.
• Saving you money. We want to make sure that you get the best forex deals you can so that's why we offer all our clients free transfers (over £5,000) and charge no commission. Plus, Currencies Direct does not charge lifting/receiving fees on forex transfers.
• Tailored to your circumstances. As specialist foreign exchange brokers we are able to offer a number of product choices for foreign exchange including spot deals, forward contracts and limit orders. Which one is right for you will depend on your circumstances, foreign currency needs and timing.
• Easy to deal with. You can trade in forex with us by phone, talking directly to a currency specialist, electronically or by fax. The first step is to become a registered private or business customer. Our registration process is second to none. You can register with us online and be ready to trade in minutes.
• Make regular payments overseas. Mortgage, maintenance, insurance - whatever your reason for making regular money transfers Currencies Direct's Overseas Regular Money Transfer Plan can save you money. With free forex transfers, great foreign exchange rates and low minimum amounts we really make is easy to keep benefiting from our great service. Click here for more information.
• For businesses, we are committed to delivering excellence in customer service and solutions to help your business grow and compete more effectively within the global market place.

Currencies Direct Limited is a leading payment technology solutions company and it was one of Europe's first independent foreign exchange specialists in 1996 to recognise the need in the market for an expert secondary Foreign Exchange provider to traditional banks. Its innovative approach is based on dealing directly with the currency markets and matching buyers with sellers thus eliminating intermediaries and giving it a competitive edge in pricing foreign exchange. Twelve years on Currencies Direct is now one of Europe's largest foreign exchange specialist with a head office and operations across 5 continents, with 2,000 strong franchise network of business partners and is part of the Azibo Group.

 Trust a specialist to Get it Right on Overseas Transfers 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose. 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free. 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates. 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers. 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus. 

Written by Karl Sieha,  Currencies Direct 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

 If you're thinking of buying a property in France, you can't afford to miss
The French Village at A Place in the Sun Live on  

28th-30th September 2012, NEC Birmingham 

 The experts on France, French-Property.com, work in association with A Place in the Sun to host the boutique French Village at our forthcoming exhibition. 

The French Village at London's Earls Court

French-Property.com will be hosting their popular ‘French Village’ at A Place in the Sun Live exhibition at London's Earls Court, 30th March - 1st April.

A Place in the Sun Live is the largest overseas property exhibition in the UK and our French Village is a major display area at the event.

As well as offering a selection of properties from agents and private vendors across France, there will be an opportunity to hear from a range of specialist speakers on buying property and living in France.

Amongst the exhibitors will be Halo Financial, Siddalls Financial Advisors Ltd, Leggett Immobilier, Furley Page Solicitors, Soficas Medical Insurers, Richard Immobilier, International Private Finance, Le Bonheur Immobilier, Charente Immobilier, and Move Vitesse Removals

There is a packed seminar programme for the three days of the show, with rolling presentations from expert speakers, together with ‘Ask the Experts’ panel sessions.

The seminars will cover some of the key issues of concern to French property buyers:

• Legal process of Buying Property
• French Taxation and Inheritance
  
• Health Cover
  
• Currency Management
• Living in France
• Getting a Mortgage
  

The seminars will be overseen by David Yeates, News Editor of French-Property.com.

They will be free to attend on a first come, first served basis.

French-Property.com will be offering a free ‘Guide to Buying Property in France’, and visitors will also be able to meet the team to discuss their French property needs and aspirations.

French-Property.com is one of the leading Anglophone sites for property listings in France, with around 13,000 properties and over 100 agents on our site.

In recent years we have also developed an authoritative source of information and advice on buying property and living in France, through our Guides to France and Newsletter. 

 French Village Shines at A Place in the Sun Live NEC 2011

A strong turnout last weekend at the French Village, A Place in the Sun Live, does suggest that the tide may well be turning on interest in buying property in France.

Pat Monk, Managing Director of French-Property.com stated, 'This was the fourth occasion when we have hosted the French Village at the APITS property exhibition. Given the current climate, it was also one we approached with a fair degree of apprehension.

So it was with great delight and surprise to find that when the doors to the exhibition opened on Friday morning we were quickly overrun with dozens of visitors looking for a property to buy, and for further information on living in France.'

Over the whole of the three day event, we estimate between 1500 and 2000 people called in on the French Village.

Not only were there particulars available on hundreds of properties for sale, but also estate agents and experts on hand to discuss all aspects of buying property and living in France.

A large number of the seminars we ran over the three days were completely full, with standing room only in many cases.

Perhaps of as much interest as the turnout was the quality of those who came along to the show, with the vast majority of visitors clearly very interested in relocating to France, determined to learn as much about how best to do it and what to expect.

John Richardson of French mortgage brokers International Private Finance Ltd, one of the exhibitors in the French Village, stated that, ‘Despite the negative headlines currently dominating the press it was refreshing to see first-hand the enthusiasm that remains amongst potential buyers of second homes in France.’

‘The show also provided a great opportunity to speak to potential buyers face-to-face and understand what information they are looking for, where they are looking to buy, and concerns they may have regarding the process and the availability of French mortgages,’ he stated.

A similar view was expressed by 
Tony Mason of medical insurance brokers Soficas.
’We were amazed to at the size of the turnout for our seminar presentations and the clear level of interest that those who attended expressed in finding out more about their health insurance options when they relocate to France’, he stated.

For Sarah Bogard of solicitors Furley Page 'The exhibition is a major event in the calendar and the Birmingham show was once again a great success. Our legal team met many people to talk about their ambitions to move over to France to live, as well as a good number in search of a holiday home. We find the French Village a fantastic one stop shop for all the key information required for anyone considering such a life changing move.'

Sally Stone of property management company Les Bons Voisins stated, 'Our company prides itself on doing what it says on the tin, so I can only say how pleased we are to be part of the French Village at A Place in the Sun exhibitions. Under the overall umbrella of French-Property.com the breadth of information and assistance available to visitors is second to none.'

David Johnson, Director of Halo Financial Ltd, currency brokers and sponsors of the French Village also considered that there was a definite increase in interest in buying property in France.'We took more enquiries on the first day of the exhibition than we did over the three days of the London exhibition in March. There is no doubting it; despite the uncertainty that is around, France is getting back on track.’

VIP Invite 

Soficas are proud to be part of the premier expat event coming to your local area.
We’d love you to be part of an exciting FREE event on the expat calendar in September.
Le Tour de Finance is an event for British expats looking for information on a range of different financial products and services from investments to pensions, healthcare to international transfers and banking to taxation.
You can find out everything you need to know about the different tax laws, expat regulations and how to make the most of your money, while chatting to like-minded people from your area over lunch and refreshments.

  ·         Free entry   ·         Free expert seminars   ·         Free lunch and refreshments

Dates and Venues

Wednesday 12^th September    Golf de Saint Junien 87200 Saint Junien

Thursday 13^th September    Golf de la Marterie 24260 Mortemart

Format

11.45   Welcome to guests

12.00   5 companies giving 10-15 minute presentations at certain points during the 3 course meal.
Only one company will represent a specialist area i.e. banking, pensions, healthcare, mortgages etc

14.00   Questions and chat to the speakers, Prize draw and Carriages 

 If you’d like more information or you’re able to attend please email: letourdefinance@currenciesdirect.com or call Pippa Maile on tel: +33 (0) 489 829 206 or mobile +33 (0) 672 096 495.
We will email you the full agenda and directions to your local event. 

.        

A FEW DEFINITIONS

Understanding The French System     l     Examples of Reimbursements

Hospitalization     l     Key Words     l     Usefull Phrases

 

Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

Examples of reimbursement:  

 SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

"Prise en charge"
Possible on demand even for Optical and Dentistry.

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

Hospitalization / Hospitalisation:

The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".

If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your medical history - "antécédents médicaux ou chirurgicaux".
 You will be asked about any medication you are taking – "Quel est votre traitement actuel / courant/ en cours?"
 They will ask about your diet – "Avez-vous un régime spécial?"  Without salt – "Sans sel"   Without sugar – "Sans sucre"   Gluten free – "Sans gluten"

Expat Financial Advisors

Contact Brian Furzer  Tel: 05.46.48.97.73 Mob: 06 25 36 30 65  brian.furzer@spectrum-ifa.com

Why use Currencies Direct? - the benefits.

Challenging traditional banking conventions, Currencies Direct guarantees to beat any retail bank both in price and service. From the moment we were established our aim has been simple. To provide a personalised service and save our clients money from dealing with traditional banks.

• Increasing your spending power. Because we deal directly with the currency markets we can offer the best foreign money exchange rates that the banks find hard to beat. These great foreign currency exchange rates mean that you get more for your money.
• Saving you money. We want to make sure that you get the best forex deals you can so that's why we offer all our clients free transfers (over £5,000) and charge no commission. Plus, Currencies Direct does not charge lifting/receiving fees on forex transfers.
• Tailored to your circumstances. As specialist foreign exchange brokers we are able to offer a number of product choices for foreign exchange including spot deals, forward contracts and limit orders. Which one is right for you will depend on your circumstances, foreign currency needs and timing.
• Easy to deal with. You can trade in forex with us by phone, talking directly to a currency specialist, electronically or by fax. The first step is to become a registered private or business customer. Our registration process is second to none. You can register with us online and be ready to trade in minutes.
• Make regular payments overseas. Mortgage, maintenance, insurance - whatever your reason for making regular money transfers Currencies Direct's Overseas Regular Money Transfer Plan can save you money. With free forex transfers, great foreign exchange rates and low minimum amounts we really make is easy to keep benefiting from our great service. Click here for more information.
• For businesses, we are committed to delivering excellence in customer service and solutions to help your business grow and compete more effectively within the global market place.

Currencies Direct Limited is a leading payment technology solutions company and it was one of Europe's first independent foreign exchange specialists in 1996 to recognise the need in the market for an expert secondary Foreign Exchange provider to traditional banks. Its innovative approach is based on dealing directly with the currency markets and matching buyers with sellers thus eliminating intermediaries and giving it a competitive edge in pricing foreign exchange. Twelve years on Currencies Direct is now one of Europe's largest foreign exchange specialist with a head office and operations across 5 continents, with 2,000 strong franchise network of business partners and is part of the Azibo Group.

 Trust a specialist to Get it Right on Overseas Transfers 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose. 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free. 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates. 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers. 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus. 

Written by Karl Sieha,  Currencies Direct 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

 If you're thinking of buying a property in France, you can't afford to miss
The French Village at A Place in the Sun Live on  

28th-30th September 2012, NEC Birmingham 

 The experts on France, French-Property.com, work in association with A Place in the Sun to host the boutique French Village at our forthcoming exhibition. 

The French Village at London's Earls Court

French-Property.com will be hosting their popular ‘French Village’ at A Place in the Sun Live exhibition at London's Earls Court, 30th March - 1st April.

A Place in the Sun Live is the largest overseas property exhibition in the UK and our French Village is a major display area at the event.

As well as offering a selection of properties from agents and private vendors across France, there will be an opportunity to hear from a range of specialist speakers on buying property and living in France.

Amongst the exhibitors will be Halo Financial, Siddalls Financial Advisors Ltd, Leggett Immobilier, Furley Page Solicitors, Soficas Medical Insurers, Richard Immobilier, International Private Finance, Le Bonheur Immobilier, Charente Immobilier, and Move Vitesse Removals

There is a packed seminar programme for the three days of the show, with rolling presentations from expert speakers, together with ‘Ask the Experts’ panel sessions.

The seminars will cover some of the key issues of concern to French property buyers:

• Legal process of Buying Property
• French Taxation and Inheritance
  
• Health Cover
  
• Currency Management
• Living in France
• Getting a Mortgage
  

The seminars will be overseen by David Yeates, News Editor of French-Property.com.

They will be free to attend on a first come, first served basis.

French-Property.com will be offering a free ‘Guide to Buying Property in France’, and visitors will also be able to meet the team to discuss their French property needs and aspirations.

French-Property.com is one of the leading Anglophone sites for property listings in France, with around 13,000 properties and over 100 agents on our site.

In recent years we have also developed an authoritative source of information and advice on buying property and living in France, through our Guides to France and Newsletter. 

 French Village Shines at A Place in the Sun Live NEC 2011

A strong turnout last weekend at the French Village, A Place in the Sun Live, does suggest that the tide may well be turning on interest in buying property in France.

Pat Monk, Managing Director of French-Property.com stated, 'This was the fourth occasion when we have hosted the French Village at the APITS property exhibition. Given the current climate, it was also one we approached with a fair degree of apprehension.

So it was with great delight and surprise to find that when the doors to the exhibition opened on Friday morning we were quickly overrun with dozens of visitors looking for a property to buy, and for further information on living in France.'

Over the whole of the three day event, we estimate between 1500 and 2000 people called in on the French Village.

Not only were there particulars available on hundreds of properties for sale, but also estate agents and experts on hand to discuss all aspects of buying property and living in France.

A large number of the seminars we ran over the three days were completely full, with standing room only in many cases.

Perhaps of as much interest as the turnout was the quality of those who came along to the show, with the vast majority of visitors clearly very interested in relocating to France, determined to learn as much about how best to do it and what to expect.

John Richardson of French mortgage brokers International Private Finance Ltd, one of the exhibitors in the French Village, stated that, ‘Despite the negative headlines currently dominating the press it was refreshing to see first-hand the enthusiasm that remains amongst potential buyers of second homes in France.’

‘The show also provided a great opportunity to speak to potential buyers face-to-face and understand what information they are looking for, where they are looking to buy, and concerns they may have regarding the process and the availability of French mortgages,’ he stated.

A similar view was expressed by 
Tony Mason of medical insurance brokers Soficas.
’We were amazed to at the size of the turnout for our seminar presentations and the clear level of interest that those who attended expressed in finding out more about their health insurance options when they relocate to France’, he stated.

For Sarah Bogard of solicitors Furley Page 'The exhibition is a major event in the calendar and the Birmingham show was once again a great success. Our legal team met many people to talk about their ambitions to move over to France to live, as well as a good number in search of a holiday home. We find the French Village a fantastic one stop shop for all the key information required for anyone considering such a life changing move.'

Sally Stone of property management company Les Bons Voisins stated, 'Our company prides itself on doing what it says on the tin, so I can only say how pleased we are to be part of the French Village at A Place in the Sun exhibitions. Under the overall umbrella of French-Property.com the breadth of information and assistance available to visitors is second to none.'

David Johnson, Director of Halo Financial Ltd, currency brokers and sponsors of the French Village also considered that there was a definite increase in interest in buying property in France.'We took more enquiries on the first day of the exhibition than we did over the three days of the London exhibition in March. There is no doubting it; despite the uncertainty that is around, France is getting back on track.’

VIP Invite 

Soficas are proud to be part of the premier expat event coming to your local area.
We’d love you to be part of an exciting FREE event on the expat calendar in September.
Le Tour de Finance is an event for British expats looking for information on a range of different financial products and services from investments to pensions, healthcare to international transfers and banking to taxation.
You can find out everything you need to know about the different tax laws, expat regulations and how to make the most of your money, while chatting to like-minded people from your area over lunch and refreshments.

  ·         Free entry   ·         Free expert seminars   ·         Free lunch and refreshments

Dates and Venues

Wednesday 12^th September    Golf de Saint Junien 87200 Saint Junien

Thursday 13^th September    Golf de la Marterie 24260 Mortemart

Format

11.45   Welcome to guests

12.00   5 companies giving 10-15 minute presentations at certain points during the 3 course meal.
Only one company will represent a specialist area i.e. banking, pensions, healthcare, mortgages etc

14.00   Questions and chat to the speakers, Prize draw and Carriages 

 If you’d like more information or you’re able to attend please email: letourdefinance@currenciesdirect.com or call Pippa Maile on tel: +33 (0) 489 829 206 or mobile +33 (0) 672 096 495.
We will email you the full agenda and directions to your local event. 

.        

Trust a specialist to Get it Right on Overseas Transfers

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose.

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free.

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates.

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers.

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus.

Written by Karl Sieha,  Currencies Direct

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.