Episodios

  • A banking tip for new residents of France
    Sep 5 2025
    Whether moving as a citizen of the United States or from any other country to reside in France, one of the first steps is to establish a French bank account. It’s very likely that in certain contexts—such as in obtaining a property lease—having a French bank account is a non-negotiable requirement. Some might anticipate this and open an account with a French international bank (such as BNP Paribas) before making their move to ease their entry to France, others will do so soon after arrival (and U.S. persons will learn about FATCA in the process, if they haven’t before). It’s likely your account will be called a compte courant, or “current account,” which is intended for support of everyday financial transactions.But there are a couple things to be aware of as you get settled in and become tax resident in France.Taking up residenceAt the time you open an account with a French bank, you might not yet be verifiably fiscally resident (also referred to as being tax resident) in the country. That is, you will not yet have met the conditions necessary for being fiscally resident, which are:* Your home is in France (where “home” would also potentially include a spouse, a recognised civil partner, and children)* Your main place of stay is France (i.e., you stay in France or its overseas territories for at least 183 days of the year)* You work in France (it is the place where your employment provides the bulk of your income)* The centre of your economic interests is France (it is where your major investments have been made, or it is the place from which you manage your principal activities)But once you have evidence of fiscal residency, based on the above, you might find yourself in the position of being able to get a better deal on your compte courant at the bank, and other banking services might become available to you.To formally recognise that you’re fiscally resident in France, however, a bank is likely to require concrete evidence, for example, a signed and dated lease agreement (un bail) or a justificatif de domicile (proof of address) obtained from your power utility. In addition, a bank might also look for evidence of your having submitted a tax declaration to the French tax authority, the Direction générale des Finances publiques (DGFiP) and of having obtained a tax ID before accepting that you are fiscally resident.Here’s the banking tipOnce you have sufficient evidence of fiscally residency, and certainly after you’ve received your tax statement and numéro fiscal, make an appointment with your bank counsellor to review the terms of your current account. Bring with you the French tax statement (avis d’impôt) and tax number, your passport(s), your justificatif de domicile, and documentary proofs of income.The tax statement gives incontrovertible evidence that you are a bona fide tax resident of France, with intentions of remaining in the country, and would generally be the document that banks prefer. Once submitted, the bank should update your status in its records accordingly. Your status as fiscally resident implies that you represent a lesser risk to the bank and, depending on your bank, some tangible banking advantages might arise as a result:* Lower maintenance charges on current accounts;* A wider range of banking options: savings or investment accounts might become available, for example;* Enhanced access to credit: an option for a debit card (carte bancaire) with a higher monthly limit, or for a credit card (carte bleue);* Access to insurance products that are off-limits to those not fiscally resident in the country, including the popular life insurance (assurance vie) policies that enable growth-oriented investment and certain tax advantages, especially with regard to inheritance tax.Benefits available will vary depending on the individual bank, but once you’re settled and have sufficient proof that you are fiscally resident in France, it’s probably worth your while to go back to your bank to determine how your updated status might translate to enhanced benefits. It might save you money, give you more banking options, and make your life easier. Get full access to Seeking Tranquillity in France at leavingamerica.substack.com/subscribe
    Más Menos
    5 m
  • Recalling boys' magazines of yesteryear
    Aug 15 2025

    Growing up I loved to read. There were always books to explore at home, many of them had been bought for my father when he was a child. Some of them I read over and over. I especially liked the books by Thornton W. Burgess which told of the lives of many colourful animals who lived near “The Smiling Pool” and were forever teased and tested by Old Mother West Wind. Old “Grandfather Frog,” sitting on his lily pad, often told tales that explained the origin or the nature of things. Before beginning his stories he would smooth his yellow waistcoat and say “Chugarum!”

    It also seemed that there were always a few magazines kicking around that were intended just for boys. My family didn’t subscribe to them, but they found their way into our home somehow; others were on the tables in the paediatrician’s waiting room. The one I remember best was called Boys Life. It was a publication of the Boy Scouts of America, which didn’t mean much to me. But I enjoyed reading it for some of the stories, for the comics, and especially for the advertising—which is what I recall best about it. I also had an aunt who lived in Boston, and at the corner pharmacy on her block there were racks of many comic books. Whenever I’d visit she’d give me a dime or two so I could buy one or two comic books, and over time these came to comprise a small library in her apartment. They had similar advertisements to what I’d seen in Boys Life, and I’d re-read them whenever I visited.

    In fact, looking back, it is a bit difficult to differentiate some of the articles from the advertising. I had an interest in shortwave and amateur radio which was stoked by the frequent articles that made it sound exotic and interesting. I also spent time looking at the radio equipment that was advertised, brands with intriguing names like “Hallicrafters,” dreaming of one day actually owning such a thing.

    Other products and services that were advertised made a big impression, too—a testimony, I suppose, to the ability of advertising to imprint upon the minds of children.



    Get full access to Seeking Tranquillity in France at leavingamerica.substack.com/subscribe
    Más Menos
    15 m
  • My favourite bilingual (and trilingual) dictionaries. Really!
    Jul 25 2025
    I’ve always enjoyed learning languages. As children my siblings and I were expected to learn French, at least up to a point. It was fun, and memorable—my sister and I recently spoke of those times and about the children’s books we read in French and how much we enjoyed them. Later, I found French classes in school a boring and repetitive chore, but eventually in high school the grammar drills ended and we started reading real literature. That got me re-engaged and restored my fascination with languages. We also had to respond to essay questions in French on examinations and homework assignments. So having a bilingual dictionary became indispensable.At university I discovered that the library held an extraordinary range of language dictionaries, monolingual as well as bilingual, that were essential for some of the challenging reading assignments we received. I bought myself several “serious” dictionaries before graduation (Latin↔English; German↔English, and French↔English, Latin↔English) as well as a couple pocket dictionaries for on the go. But I always found them challenging to use. Some words have several meanings, depending on context, and the meaning can change when used figuratively or in an idiomatic expression. I would scan the various numbered meanings to find the one that fit—this worked well when reading or trying to understand a recorded text, but when writing, things felt more hit-or-miss. I’m sure some things I wrote at the time must have been hilarious to my teachers.Dictionaries can also be useful in understanding which prepositions to use with which verbs—something that easily trips up beginning language learners. But they might not be so helpful with the actual spoken or written use of language, where changes of tense, number, mood or voice mutate the form of the verb. So, tools such as the Bescherelle Conjugaison volumes for French (or Le Figaro’s online Le Conjugeur) are an indispensable adjunct to even the best dictionaries. In some languages, certain verbs are associated with changes of case with nouns, pronouns and adjectives (e.g., “eines guten Mannes,” German for “of a good man,” here showing declensions in genitive case); some dictionaries can also be useful in this context, but this is a place where understanding the grammar of a language kicks in.Moving to Germany in the late 1970s was a test of my linguistic adaptability, even after two years of college German and four weeks of intensive study at the Goethe Institut. Although I had become capable in day-to-day language (other than the sometimes opaque Bavarian Mundart, or dialect, that I heard when working in Munich), writing always left me feeling insecure. I’d post letters that took two hours to write still worrying that I might sound like some kind of nincompoop. No surprise that I’d find myself in the wonderful Munich bookstores standing in the reference section, eyeing the language materials.Particularly striking was the series of dictionaries published by Duden, called “Deutsche Sprache in 12 Bänden” (German Language in 12 Volumes). It was a virtual linguistic rainbow, with colourfully bound volumes dedicated to Rechtschreibung (spelling/orthography), conventional word meanings, words borrowed from other languages, grammar and etymology, and much more. My book budget was almost non-existent—my academic stipend was insufficient, and my income from work at the Munich’s Großmarkthalle and Hotel Vier Jahreszeiten left little room for discretionary spending.Two volumes, though, were irresistible. The first was the Stilwörterbuch—a dictionary of style, i.e., a guide to the usage of German vocabulary. I don’t think I’ve ever written more than a couple paragraphs in German without consulting this volume, which gives extensive examples of the appropriate use of German vocabulary. If you wonder whether the word you know is the best possible choice, check it here. If you know a couple words that, to you, are perfect synonyms, the Stilwörterbuch will clarify the precise meaning they convey and how to use them. Not sure of which preposition follows, or of more complex idiomatic usages, this is the place to go. By the time that volume had become too brittle and loose to retain, the pages were well thumbed and sheer sentimentality made it hard for me to bid it farewell.The other book I purchased with my hard-earned D-mark was the Bildwörterbuch (picture dictionary). Before buying it I found myself returning to the bookstore several times to make use of it. Working in the kitchen of the Hotel Vier Jahreszeiten there were things I could not identity—sometimes I didn’t even know the nomenclature in English! But the Bildwörterbuch identified everything visually. Page after page showed automobile parts, dentist offices, kitchens, factory assembly lines, gardens, power plants, Renaissance buildings, and Greek temples, with each component carefully identified with the best German...
    Más Menos
    8 m
  • God, human folly and laughter
    Apr 25 2025
    “There are three things which are real: God, human folly and laughter. The first two are beyond our comprehension, so we must do what we can with the third.”—John F. KennedyI don’t recall precisely when I read these lines for the first time, but since that day, long ago, the words have never left me. From time to time I’ve wondered about the context in which Jack Kennedy spoke them, and was surprised to learn recently of their origin. They were written, not spoken, and were inscribed on a silver mug presented as a birthday present to a friend, Dave Powers, Special Assistant to President during the Kennedy administration, on his birthday in 1962.As a Massachusetts boy raised in the Catholic tradition, with an Irish mother, I was keenly aware of Kennedy and the challenges he faced in winning the presidency. Family members provided us children with campaign buttons; one of them read “If I Were 21, I’d Vote for Kennedy.” I don’t recall actually wearing them, particular not to school in our overwhelmingly Protestant town on the South Shore of Massachusetts. At school our young classmates echoed the prejudiced words they no doubt had heard at home about “the Pope running the country.” They even asserted that a tunnel would be built between Washington D.C. and the Vatican to facilitate the Pope’s takeover of the U.S. At a time when named telephone exchanges still existed, a frequently voiced joke was that the White House phone number would be changed to “Et cum Spirit - 220.”In retrospect, Kennedy’s election and the reality of his incomplete term in office did not eradicate such prejudices. I was at home, sick, the day of Kennedy’s assassination, but when my siblings returned home they reported that the reaction to the announcement at school of the President’s death included cheers from some of their classmates. Still, the issue of Catholicism as a barrier to national elected office does appear to have been eliminated in the aftermath of Kennedy’s demise, the remnant of these days being the moral/political question of abortion.Kennedy was from a wealthy family, and it was common knowledge in Massachusetts that not all that wealth had been earned simply through hard and honest work. However Jack Kennedy and his family claimed the high ground culturally, and his time in office came to be characterised as “Camelot”—a time of glamour, of progressive thinking and bold new endeavours, and a celebration of the arts.I think of the words Kennedy had inscribed on the gift to his friend frequently.When I think of human folly now, the connection with politics is paramount. What folly to deny what Mother Nature tells us, in ever more desperate tones, that we are destroying out planetary home? What folly to promote hatred over love, anger over reason, greed over human equality and need?I also question myself: is it folly to allow oneself to become attached, as observer or contributor, to the daily onslaught of assertions, ripostes, and indignation? Is it folly, to succumb, fret or respond as one can? Or is there perverse succour in such engagement?I worry actively about the state of our world and the state of the country where I was born. Yes, it might be foolish to suppose it makes a difference, but I share my views from time to time on the issues that concern me most—above all the tragedy of healthcare in the United States and the culture that has incubated and cultivated it. It need not be that way, if only we could, as a society, contemplate our human condition and value empathy over wealth, and place the common good above selfishness.I worry, too, about education in the United States, at all levels. Adult reading levels are of deep concern, of course; the disappearance of civics in school curricula and a lack of understanding of the functions of government has visible consequences. But should we not worry equally about the decline of the humanities? Many areas of the humanities have fallen victim to fiscal belt-tightening, and indeed to the notion that they do not contribute tangibly to workforce development. I say that is true folly.Engagement with the humanities—including the arts—teaches us to pause, reflect, contemplate and evaluate, fostering critical faculties that provide moral clarity, enable critical thinking, and the capacity to contemplate the best that human creativity has given us. They bind us to our human past, to its glories and to the depths it too often sinks. They give us the ability to focus, to sustain attention, to appreciate. Does not the ability to reflect and perceive beauty and meaning have some relationship to the capacity for empathy, for caring, and to want some sense of community and shared common values? To enable us to interpret and better understand political speech and screed? To enable us to recognise our common humanity and to behave accordingly as individuals and as a society?Laughter. I grew up with laughter. My father was a ...
    Más Menos
    8 m
  • Le jour où mon ombre m'a parlé
    Apr 17 2025

    Vivre dans un climat tempéré tend à éliminer les excuses pour quitter l’appartement et faire de l’exercice en raison du temps médiocre. Depuis que j’ai déménagé à Nice, j’essaie de profiter du climat agréable pour faire plus de marche aérobique—mes « marches rapides, » comme je les appelle parfois en sortant de chez moi. Le meilleur itinéraire que j’ai trouvé pour cela est de monter la Colline du Château depuis le port de Nice, puis de redescendre du côté opposé, pour arriver au pied de la Tour Bellanda, une ancienne tour défensive devenue aujourd’hui un site touristique prisé, offrant depuis son sommet des vues splendides sur la ville, le Port et la Baie des Anges.

    J’ai fait cette promenade de nombreuses fois, en m’arrêtant souvent dans le parc au sommet de la colline pour boire un peu d’eau ou même un café avant de redescendre. Du printemps à l’automne, mon itinéraire de retour me conduit généralement de la Tour Bellanda à travers la Vieille Ville, en empruntant la rue Droite, puis en traversant la Promenade du Paillon (un parc aménagé sur la rivière couverte du Paillon), en direction de notre appartement, situé dans le quartier de Carabacel.

    Cet itinéraire permet d’éviter le Cours Saleya, un quartier souvent encombré, aménagé autour de l'ancien Marché aux Fleurs de Nice, dont les nombreux étals de fleurs, nourriture, boutiques, cafés et restaurants attirent une foule immense de touristes pendant une grande partie de l’année. Un matin ensoleillé de fin de printemps, cependant, j’ai remarqué qu’il y avait relativement peu de monde—il devait être encore assez tôt—et j’ai traversé le marché, le trottoir devant moi dégagé et le soleil dans mon dos.

    C’est alors que mon ombre m’a parlé.

    J’ai baissé les yeux et j’ai remarqué, distraitement, le mouvement d’une ombre—quelqu’un qui marchait avec une démarche que je ne reconnaissais pas. En l’observant, j’ai lentement réalisé que c’était moi, c’était ma propre ombre—et pourtant elle semblait étrangère, à part, distincte, inconnue. Je ne l’ai pas reconnue même après avoir réalisé qu’il s’agissait de mon propre reflet ombragé. C’était la silhouette sombre d’un homme âgé, dont la démarche trahissait une douleur ou une blessure, ou peut-être simplement le prix naturel du vieillissement. Je me suis arrêté et j’ai réfléchi un instant, comme si j’essayais d’accepter que mes observations étaient réelles, puis j’ai repris ma route, incapable de détacher mon regard de l’ombre qui me précédait. La malaise de ses mouvements persistait, même lorsque j’essayais d’en modifier.

    Il y a des façons de l’expliquer, je suppose : des blessures à la hanche après un accident de vélo, l’usure corporelle ordinaire qui survient après plus de sept décennies de vie. Mais le manque initial de reconnaissance, suivi de la prise de conscience qui m’est venue lorsque mon ombre m’a parlé, était déconcertant. Ce sentiment persiste depuis.

    Je ne sais pas ce qui est le plus inquiétant : la conscience de moi-même qui m’est venue dans un murmure, ce matin ensoleillé, ou le fait que c’était une ombre qui détenait plus de savoir que moi.

    Pour recevoir de nouveaux articles, pensez à devenir un abonné gratuit ou payant.



    Get full access to Seeking Tranquillity in France at leavingamerica.substack.com/subscribe
    Más Menos
    5 m
  • The day my shadow spoke to me
    Apr 10 2025

    Living in a temperate climate tends to erase excuses to get out and exercise because of bad weather. Since moving to Nice I’ve tried to take advantage of the pleasant climate to do more aerobic walking—my “power walks,” as I sometimes say when heading out the door. The best route I’ve found for that is to ascend the Colline du Château (Castle Hill) from Nice Port, then descend from the opposite side, emerging at the base of La Tour Bellanda, an old defensive tower that is now a favourite tourist site, offering from its apex splendid views of the city, the port and the bay.

    I’ve made this walk many times, often pausing in the park atop the Colline for some water or even a coffee before descending. From late Spring through Autumn my route homeward generally takes me from the Tour Bellanda through the Vieille Ville (Old City) along the rue Droite, crossing the Promenade du Paillon (a parkland built over the covered Paillon River), heading to our home in the Carabacel neighbourhood.

    This route avoids the often congested Cours Saleya, an area built around the old Nice flower market whose numerous food stalls, shops, cafés and restaurants attract vast crowds of tourists during much of the year. On one sunny late Spring morning, however, I noted that there were relatively few people around—it must have been quite early—and I walked through the market area, the pavement ahead of me clear and the sun at my back.

    It was then that my shadow spoke to me.

    I glanced down in front of me and noticed, distractedly, the movement of a shadow, someone walking with a gait I did not recognise. As I observed I slowly realised that it was me, it was my own shadow—and yet it seemed a stranger, apart and distinct, unfamiliar. I did not recognise it even after I realised it was my own shadowy reflection. It was the dark silhouette of an older man whose gait betrayed pain or injury, or perhaps simply the natural toll of ageing. I stopped and thought for a moment, as if trying to accept that my observations were real, then continued on, unable to look anywhere other than at the shadow that preceded me. Its awkwardness persisted, even when I tried to change it.

    There are ways to explain it, I suppose—injuries to a hip from a bicycle accident, the ordinary corporeal wear and tear that comes from surpassing seven decades of life. But the initial lack of recognition, then the awareness that came when my shadow spoke to me, was discomfiting. The feeling has lingered since.

    I do not know what is more uncomfortable, the self-awareness that came to me in a whisper on that sunny morning, or that it was a shadow that bore greater knowledge than I.



    Get full access to Seeking Tranquillity in France at leavingamerica.substack.com/subscribe
    Más Menos
    4 m
  • A French service for streamlining bureaucratic processes - really!
    Mar 27 2025

    It’s one of those lasting stereotypes of life in France—coping with French bureaucracy. French residents and citizens complain about it, and it’s a commonplace among writers in the why-not-move-to-France cottage industry.

    But the Administration française actually provides an online tool to make one of the routine nuisances of managing bureaucratic tasks easier: changing one’s address, whether moving within the country, or moving to a location beyond its borders. It’s called the Changement d'adresse en ligne, or simply the “Online Change of Address” service.

    The online tool allows one to change one’s address (and in many cases one’s phone number and/or email address) with a number of public- and private-sector services:

    * energy suppliers (EDF, Engie, ENERCOOP);

    * France Travail (the French national employment bureau);

    * social security agencies: health insurance (including CPAM, the national health insurance provider), family allowance and retirement funds;

    * Service des Impôts (French tax authority);

    * the SIV, the service responsible for motor vehicle registration.

    The service is available to all bona fide residents of France, not just French citizens.

    To use the service you’ll need to login using either your local credentials for ServicePublic.fr or the FranceConnect authentication service. The site will then guide you through the process, consisting of verifying personal information, submitting details on changes to be made, identifying the services where you wish the changes to be made, indicating the date the changes go into effect, and finally a page that verifies all changes indicated prior to submission.

    Then you’re done!

    There might be those who assert that the invention of a service to mitigate time spent on bureaucratic functions is really just a testimonial to the oppressiveness of French bureaucracy. But the next time, as a French resident, you move and lurch from one corporate or government website to another to change your address or contact details, pause for a moment and think about how it might not have to be that way. It seems that somebody in the Administration française had that thought, too.

    Thanks for reading Seeking Tranquillity in France! Subscribe for free to notifications of new essays, commentary and stories.



    Get full access to Seeking Tranquillity in France at leavingamerica.substack.com/subscribe
    Más Menos
    3 m
  • Reflections on Bureaucracy and Daily Life in France
    Mar 20 2025
    A few decades ago while working in Massachusetts, I had an employee who was an Italian citizen, but a permanent resident of the United States. In fact, he was born in Italy to Italian parents who already lived in the U.S., and he had lived almost his entire life in America. It was his personal choice to not become an American citizen. He therefore had to make periodic visits to the immigration office to renew his residency and work permits—and everyone in the office heard in detail about the bureaucratic nightmare that confronted him on these occasions—an undignified combination of complexity and dysfunction.Moving to Ireland from the U.S. my family got a taste of similar bureaucratic processes: obtaining green cards, annual visits to the Garda National Immigration Bureau (GNIB) to renew our visas, and all of the other issues that involve some kind of public service in the country. These included getting a PPS number (Personal Public Service number—the Irish equivalent of a Social Security number), applying for a Drugs Payment Scheme (DPS) card, etc. We even had to take driving lessons and pass a rigorous driving test to obtain driving licences (I failed my first road test). Then of course there were annual interactions with the tax authority, the social welfare office, and more.Visas and work permits aside, these are mostly normal things that have counterparts in the U.S.—it’s just that in the U.S. they come at you over the course of time and aren’t compressed into a relatively short transitional period. The biggest nuisance we faced as newcomers in Ireland was the full day it would take each year to renew our visas—sometimes it took three hours of queuing outside just to enter the building. And it got more expensive every year. We were naturalised as citizens after five years and one of the advantages thereafter was not having to make the dreaded annual trip to the GNIB. Apart from this we found the bureaucratic systems in Ireland to be, if anything, simpler and easier to negotiate than their U.S. equivalents. Being citizens of an E.U. country also made our eventual transition to living in France in retirement easier than it would have been otherwise.France has an undeniable reputation for having a demanding bureaucracy. Indeed, it is sometimes identified as the country that defined the modern bureaucratic state. French people embrace the stereotype and sometimes complain resignedly about it. Many expatriate commentators and consultants in the ever-growing move-to-France cottage industry also highlight this as both a necessary hurdle in moving to France from outside the European Union, and as a way of life thereafter.But I’m happy to to say that, to me, the hype about oppressive French bureaucracy hasn’t lived up to its reputation, at least not for us.I admit: part of this is because as a citizen of Ireland and therefore of the European Union we enjoy freedom of movement within the E.U.—we do not require special permission to live and work in France, so no need for visas or a carte de séjour. We do not plan to operate a business. We also qualify for the benefits of the national health insurance system, the Assurance Maladie, by simply transferring our health benefits in Ireland to France, accomplished by completing a standardised E.U. form (Form S1). Other than this our transition involved a minimum of government bureaucracy—all that comes to mind is the process of exchanging our Irish drivers licences for French ones.Bureaucracy also exists in the private sector, of course, and settling in France involves managing a range of things that, again, have their American counterparts. In our case these involved leases, insurance policies (including our “top-up” insurance or mutuelles to cover the share of medical expenses not paid by the national health insurance framework—the Assurance Maladie), setting up contracts for utilities and phone service, etc.The only truly difficult issue in this domain is the much-discussed challenge of obtaining a bank account. International banks are obligated to report to the IRS on the bank holdings of U.S. citizens (thanks to FATCA) and on this basis private banks often refuse to open accounts for American citizens. (Think of this as a situation where public-sector American bureaucracy gets layered upon private-sector French bureaucracy.) Once you have identified a bank willing to accept you as a customer, the bank will also require of you a full disclosure of your income and assets. This invariably takes the uninitiated by surprise. (Some are also surprised that getting a loan from a bank can be nearly impossible without income sourced in France or a contrat de travail à durée indéterminée, or CDI.)So yes, there are a number of bureaucratic processes to attend to when one transitions to France from another country. We did not find the transition any more challenging than moving to Ireland, other than the bank account issue (admitting ...
    Más Menos
    17 m