Monday, November 17, 2014

Winter is coming

Europe went on standard time before the US did, so maybe the impression that winter is on its way is more entrenched. It's cold and wet. When the sun does come out, it's beautiful, but mostly it's cold and wet. The grass in the yard doesn't seem to dry out during the day, even on a dry day. This being the Paris region, I'm not talking about snow cold, no, not yet, just uncomfortable cold.
Yesterday, I took a photo out of an old post and updated. That seems to have sent out an email to those of you who get these blog posts via email. Sorry. There was nothing new in it.

13th century St. Blaise bridge at Najac


Najac
What's new? Well, we went down to the Tarn-et-Garonne and visited Emma and Gabriel for a couple of days. We stayed at a different hotel in Najac, the Oustal del Barry -- up at the top, at the entrance to the medieval town. The hotel is fine, but the cuisine is over-rated. Najac is a town built on the crest of a hill, so it's one street that goes along the ridge, up and down and up again to end at the castle. There's a gigantic church at the bottom of the last down part before you go up to the castle and we've never made it past the church. The church was built during the reformation, as punishment for Protestant sentiment in the town, the authorities made the townspeople finance and build it, and then, attend it. At the entrance, where the hotel is, there is an almost flat length, with arcades and a square, then you start downhill and find the old center with the town hall and more shops, then uphill with some Renaissance buildings. It's empty in November and packed in summer. In fact, our hotel closed for the winter after the long Nov. 11 weekend.
We also went up to Villefranche-de-Rouerge, a 13th century fortified royal town. This was on the frontier of the Comte de Toulouse's territory and the King of France's territory during the Cathar period. Each of them built these fortified towns on the frontier, guaranteeing settlers a town (protected) residence, fields outside the walls, and tax-free status. It's one of the things that brought the end of feudal states. The town is still a main city for the Aveyron area -- very busy on a Saturday morning, even in November and even if it wasn't market day.
Emma and Gabriel are busy doing their renovation work. While we were there, they were still digging the trenches to lay the pipes for water, wires, and whatever else. The problem is they are on a hill top and the trenches are in rock, not dug in earth. It's hard work to break the rock about 50 cm. deep. Since our visit, that seems to be done; the rubble has been move to one of the fields and they'll use that to create terrace walls on the slope. They'll finish filling in the trenches and get on with finishing the floors of the "gite" (closest thing in English is a "holiday home" where the owner lives close by) and installing the last door window. The aim is to be able to move into that for the winter. Then they can start working on the rest of the site and the main house. They are well and working hard. They also have fun. They've got lots of neighbors, not all that close that you would just walk over, but close enough, so that they do get together and it's not lonely.
We went to Saint-Antonin-Noble-Val for the Sunday market and had a lovely Sunday lunch at the Auberge des Sens. I did my marketing before lunch -- so much less expensive than here in Nogent and most of the stands were producer, not retailer. The market was crowded, hard to get down the single lane street with stands on each side and people milling around. This is where neighbors meet and talk. Emma was telling us the street was almost empty, but it sure seemed full. Again, it must be packed in summer. And with the movie Recettes du Bonheur having been filmed in St. Antonin, there have already been more American tourists.
Saturday afternoon, we spent a pleasant time walking around the center of Toulouse, completely oblivious to the demonstrations that were going on until we were on our way out and heard the helicopter circling above and then we couldn't t take the normal route out of the city center because of police blockades, and once we got on an alternative route, we saw the tear gas flowing in our direction. We did manage to leave without getting the fumes in the car, nor any other excitement.

Saturday, November 1, 2014

Trying to get back to the rhythm of posting

I know I just posted a spurt of several posts, but I really should get back to the rhythm of posting every two weeks. My calendar reminded me that this week was one of those weeks, so I may as well write.
I haven't written about FATCA and all that headache for some time. To be frank, I'm sick of the subject. I'm waiting for my banks (two) and other financial institutions to get in touch with me to send them the W-9 form. And I'm waiting, and waiting. I have no qualms about giving them the W-9 form; after all I've been declaring these FFIs (foreign financial institutions) all along. The accounts will not have to be reported by the FFIs, anyway, since they do not hold the threshold declaration amounts. Some banks are on the ball and have filtered their customers, either by asking them directly if they are US persons, or by mining their customer data for birthplace information or other indications of US personness. Mine, apparently, have not.
Some institutions have eliminated US persons from their clientele; that's their way of being compliant -- having nothing to declare. It's all very weird and a lot depends on the country of residence, too. The result is that the backlog of Americans living abroad waiting for appointments to renounce their US citizenship is reported to be so long that the next available appointment in Toronto, for example, is in mid-2015. That is in spite of the renunciation fee having gone up from $450 to $2350. Some say that it'll just be even more expensive down the line.
Most of these people are not tax evaders. They pay their taxes. Many are accidental Americans, unaware of their US citizenship and the declaration obligations until now.  Many are dual citizens and want to be able to live as normal citizens of wherever they happen to live (and have citizenship). They want to be able to get a mortgage (denied to US persons and their Swiss spouses in Switzerland), have the standard retirement plans in their country, and so on. US citizenship has become a burden. Many US persons are not even citizens; they may be people who lived in the US at one time and have a greencard.
Now, something that bugs me, personally. I don't have a US checking account. That was denied me because, although I am a citizen, I don't live in the country. With my old Fidelity account, I had check-writing privileges, so that was not really a problem. But Fidelity, along with all the other brokerages, changed the rules and even if I still have check-writing privileges, I cannot trade, so I no longer have much money in that account. I have moved to another brokerage that allows trading (a good thing for a brokerage to do, I think), but does not accord check-writing privileges. It  had enough cash at hand without needing me to sell anything, so I wanted to deal with my last IRS estimate from this account. Like a child, I had to ask my asset manager to please take care of it before the end of 2014, rather than in January. So, why not now? And he took care of it. But the firm used overnight delivery for $20! It's not due until mid-Jan. 2015. It did not require overnight delivery! I do not need to spend an extra $100 each year for the delivery of my estimate checks and the final amount due! The explanation was to make sure it got there. I think that the appearance of the deduction in the account takes care of that. And if it doesn't show up, then we can worry. We have time.
'Nuff said.
We babysat last week. Sacha is wonderful to listen to. We can understand more and more and he's even trying out some English with me. Chloé is growing soooo fast. (I better update the family pictures to share!)

A week in Malta - 1

(Je ferais un autre article en français)
This is a special trip for us. Paul and I met at the Pierwige Hotel (it no longer exists -- it's private apartments with a bank on the ground floor, now) in 1970. Paul was an engineering student in a program at the school next door. Other students at that school were also living at the hotel. J-P, already engaged to R, who lived with her parents but who spent most of her free time with the Pierwige group; F, who was already engaged to C, but she was not living in Paris, yet; G, and Y. They were not the only ones, but they were the core and they've kept in touch with one another, while we lost contact until a year or so ago, when I was scanning our negatives and came across a trove of Paul's photos from that time, before I came on the scene. I googled and found a phone number for one of J-P and R's sons and we were able to reconnect with J-P and R. At a dinner at their home, we saw with F and C for the first time in 40 years. So, it was decided we'd all go on a trip together: 5 couples.
From the rampart near the hotel. (Look at the photos in the wikipedia links below for better pictures than mine.)
We decided to go to Malta. October is an ideal time to visit Malta. It's hot, but not as hot as in summer. There are far fewer tourists, although there are enough to keep restaurants full. Y and M arrived separately from Lyons; the rest of us met up at Orly for the flight from Paris. It was a late flight, so it was already dark when we arrived. Y and M had arrived early and had already cased out Valletta and found a restaurant for our first dinner all together.
We made some elementary tourist mistakes. We are 5 couples, 10 individuals, not a group of 10 with a tour guide. We decided to buy 2-day tickets for one of the hop-on, hop-off bus tours, but the receptionist at our hotel sold us one ticket for 10, which meant we all had to hop on and hop off together. Of course, in a group of 10, not everyone wants to do the same thing at the same time, and discussions about where to eat and what to do can drag on, but on the whole, we all got along and there was a lot of give and take. It wasn't a problem, but it would have been easier on me, the ticket holder, if each couple were responsible for its ticket. For any readers planning on visiting Malta, if you want to take the hop-on, hop-off tour, don't get the tickets from the hotel; there are at least two competitors, so you may want to choose which company you take, and if you're traveling with friends, you might want to be more independent so that you don't wait around or make them wait for you. Then again, you might consider not taking the tourist bus and getting a day ticket for the public bus service -- much, much less expensive (only €1,50). Since distances are so short, you can always find a bus to get you to the same sites as the tourist bus, and not have to wait so long for the next bus to come by.
The first day, Monday, we took the southern tour. Malta is tiny; there's not much distance to cover, but you can't hop-off at each stop because you won't really be able to visit. We didn't get off at the Tarxien ("x" is pronounce "sh") temples, which we thought we'd visit later, nor at Marsaxlokk, a beautiful little port known for its fish menus, which were not really calling us at 10 something in the morning. We got off at the blue grotto, not to visit the grotto, but to just to get off, walk around, and have a drink, which meant getting the next bus, or maybe the one after. I don't remember. We got off, again, at the next stop to visit the Hagar Qim and Mnajdra temples.
These two temples date from about 3600 BC, with evidence that the site was used for some rites even as far back as 4000 BC; that's almost 6000 years. That's about 1500 to 2000 years older than Stonehenge! They are definitely structures that were built for religious rite; the main doors and inner openings line up with the summer solstice and other openings with the equinoxes. They are made of huge blocs of stone that seem to have been transported by placing them on round stones that are found around the sites. Other stones are rutted and seem to show that the round stones rolled somewhat, like ball bearings. The temple layout is the same all over Malta and Gozo -- a main entrance with two round inner chambers, then another passage and two more round inner chambers. The stones that mark the doorways have handles carved into them that probably held rope for cloth to close off the passage. The decoration is simple, dots, but sometimes these dots form spirals. In other instances, the dots seem to form a counting system, maybe a calendar. There are altars and indications of fire, perhaps for animal sacrifice (they found animal bones, too). There are indentations for the feet, where there were once large statues of women -- Botero-like women, very buxom and hefty (we saw them, later, at the Archeology Museum). At the site of the older of the two temples, Mnajdra, the one down the hill, closer to the sea, the archaeologists found the evidence of bones, even dwarf elephant bones, going back to 4000 BC. So, Hagar Qim is deemed the more recent site.
Needless to say, this was a long and interesting visit. By the time we all finished, it was well past lunch time, but just across the parking lot was a restaurant and, for a place where you feel you are a captive customer having no choice to go elsewhere, it was very good! We managed to hop on the next to last bus back to town. Just remember that if you want to visit, you can get a public transport bus from Valletta to the site. They only thing you'll miss out on is the commentary.
Once back in Valletta, we cleaned up, rested, and met later for dinner.
Links to Wikipedia articles that might be of interest to you:
Malta, general article
Valletta
Hagar Qim
Mnajdra