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LEARNING FRENCH

How to do small-talk in France

If you're spending a significant amount of time in France you will end up in a situation where you might need to - or want to - start a conversation with someone you don't know. But what are the rules of small talk in France?

How to do small-talk in France
Small-talk in the park in France? Photo: AFP

All countries have their own – usually unwritten – code when it comes to small-talk, from Scandinavian countries where exchanging pleasantries with strangers is regarded with deep suspicion to the USA where perky chat is practically compulsory with a wide range of people.

When it comes to small-talk, France lies somewhere in the middle – it’s not weird to offer a bit of chat with someone you don’t know, but the context has to be right. 

Greetings 

What France definitely does do, a lot, is greetings – it’s regarded as rude to start any interaction, even buying a baguette in the bakery, without a bonjour (or bonsoir if it’s evening).

You’ll be expected to greet people in a wide range of scenarios, from ordering in a shop or café to getting into an elevator and even walking into a doctor’s waiting room.

Explained: When you should greet people in France

However, the exchange of greetings does not necessarily mean it’s time to start small-talk – in the scenario of a crowded elevator for example, you would normally just exchange bonjours when you get in, and then add a bonne-journée (have a nice day) as people leave. No further chat is required or expected. 

Ca va

One thing to note is that ça va – which you’ll likely be taught in school – is not a greeting.

It means ‘how are you’ or ‘are you OK’ and it’s a genuine question and is reserved for people that you know – in addition to friends, you might add a ça va after your bonjour to colleagues, neighbours or acquaintances. If someone has asked if you are fine, it’s polite to ask them back. 

It’s a reasonably casual phrase, so if you’re meeting the bank manager you wouldn’t chuck in a ça va.

There are two ways to use ça va – the first is in passing, usually for people who don’t really know and who you’re not trying to start a conversation with.

In that case it goes

Ca va ?

Ca va. Ca va ?

Ca va. 

You’ve both asked each other if you are fine, been told that you are fine and then the conversation ends;

If you want to start more of a chat with a person who has asked you ça va ? you can reply how you are in a little more detail and then ask Et toi ? (and you?). 

Starting small talk

So when is it OK to start small talk? As in most countries, it depends on the situation and although there are always exceptions a general rule is that small talk is more likely to happen in villages or smaller towns than it is in big cities.

In a city it’s obviously impractical to greet everyone you see walking on the street, but you could try to chat with your neighbours in common areas (assuming you live in an apartment building).

In a village on the other hand, it’s normal to greet someone with a bonjour as they go past on the street, even if you don’t know them.

Likewise if you’re in a village or a small town it’s likely that small-talk will be exchanged in the shop, the bakery or the bar. You’re also far more likely to chat to your neighbours, who maybe become friends.

The international code of dog-walkers also applies – two people walking dogs can greet each other and exchange compliments about each other’s dogs. 

You might also do some small-talk in a bar or restaurant, at the hairdresser’s or in a taxi.

As in most countries, a bit of chat – often about holidays – is normal at the hairdressers, some taxi drivers like to chat (or rant about their preferred political theories) while some do not and it’s the same in a bar or restaurant – if you’re in an establishment that is run by the owner they will often come and make recommendations that can develop into a chat. 

If you are a parent, small talk in the school pick-up/drop-off area is also appropriate.

READ MORE: Crèche to cafés: How to make friends with other parents in France

What to talk about? 

So what’s considered a safe subject for small-talk in France? Firstly, beware of getting too personal – French people, especially of the older generation, can be quite reserved and you wouldn’t start asking personal questions of someone who have only just met or don’t know well.

Then there are the taboo topics – money, religion and sex – which should be saved for people you know well. 

Just as in England, the weather is a safe topic and if you’re in a village there are all sorts of general subjects to discuss – the upcoming fête, the state of the bus service and when the high-speed broadband might be coming (soon – it’s always ‘soon’).

Another safe topic is a bit of gentle complaining, in fact some French people will admit that their habit of complaining is just another form of small-talk – if you’re talking to a colleague you don’t know well or a neighbour then complaining about the weather, public transport, the latest strike, the fact the coffee machine isn’t working again are all good, safe topics. 

Another easy topic for foreigners in France is to ask questions – most French people are happy to explain things about their country to outsiders – why is November 1st a holiday, when does bonjour become bonsoir and what’s the cake with the gold paper crown on it all make for good ice-breakers. 

Pick-ups 

The other scenario when you might be chatting with someone you don’t know is if someone is attempting to chat you up. 

It’s not uncommon in France to be approached in a bar, café, bookstore or even the street by someone who likes the look of you and wants to start a conversation. If you’re not interested just politely say no and move on – if you like the look of them you could try one of these (cheesy) chat-up lines

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LIVING IN FRANCE

Are Canadian pensions taxed in France?

If you are considering retiring to France, you might be wondering whether you will still be able to access your Canadian pension and if it will be subject to French taxes. Here is what you need to know.

Are Canadian pensions taxed in France?

Before going any further, it is worth noting that this article is meant to give an overview of the pensions situation for people with Canadian pensions. It does not replace professional financial advice, and Canadians looking to retire in France should still seek out expert financial assistance as needed.

The first step is to determine whether or not you are a tax resident in France (you can look through our guide). All tax residents must fill out a yearly tax declaration, and they must report all global income, even if it is not subject to tax in France. 

You should also consider if you have a pension from another country besides Canada, as different rules may apply based on that country’s bilateral tax treaty with France. Here is the situation for British, American, and Australian pensions, and here is an overview of the system.

Where is my pension taxed?

In Canada, the pensions system includes multiple tiers of public and private schemes, but luckily the double tax treaty between Canada and France is explicit about where pensions are taxed.

The Local spoke with Isaac Barchichat, a registered CPA in France, Canada and the USA to understand the situation for Canadians in France. He is a managing partner at Monceau CPA, an international accounting firm based in Paris with offices in the US and Canada.

He told The Local: “Tax treaties usually follow the OECD model, which means that Article 18 is usually focused on pensions.

“Article 18 for the Canada-France treaty is very similar to the USA-France treaty. This means that pensions are taxed in the country that they are issued in,” he said.

As a result, any Canada-based pension – whether that is the Old Age Security plan, the CPP (Canada Pension Plan) or QPP (Quebec Pension Plan), or a private personal or employer plan (such as Registered Retirement Savings Plans, or RRSPs) – would be taxed in Canada, not France.  

Barchichat explained that Canadians in France should still declare their pension income in France. Like Americans, they will receive a tax credit from France attesting that they have already paid tax in Canada on their pension.

“People should still maintain proof that the pension was already subject to tax, in case of an audit,” he added.

Barchichat also recommended that Canadians resident in France can make use of the ‘mention expresse’ section in their French tax declaration.

“Sometimes French local tax authorities fail to assess foreign income properly. Using the ‘mention expresse’ allows you to specify to French tax authorities Article 18 from the tax treaty to ensure that they process your documents properly,” he advised.

All of this being said, Canadians should beware that their pension income could still count towards your total household income in France, even though it is not taxed here. As a result, it could end up pushing you into a higher tax bracket.

What about social charges?

In addition to taxes (impôts), France also requires people to pay social charges (prélèvements sociaux) on income. However, only specific types of income can be considered for social charges, such as the CSM charge (PUMa) for healthcare. 

The general rule is that pensioners and their spouses do not have to pay the CSM charge, but France specifically exempts people who have a pension from France, the EU, the EEA and the UK (people with S1 forms), as well as their non-working spouses.

There is some debate over whether American and Canadian private pensions ought to be treated as a pension (and therefore exempt from CSM) or as investment income (which can attract CSM charges). 

When it comes to Americans, tax expert Jonathan Hadida from HadTax told The Local: “Under the principle of equality amongst taxpayers, URSAAF has treated most US pensions/IRA distributions/401(k) distributions akin to a French/Swiss/European pension and have therefore exempted Americans with pension income.”

“I have called URSSAF, and I was told by the representative that they should be paying for PUMa. But in practice, I have not seen many American pensioners charged for it.”

It is likely that similar standards are applied to Canadians. 

Barchichat, who is licenced in both the US and Canada, said that in his opinion neither American nor Canadian pensioners should be charged for prélèvements sociaux

“If this happens, it is a mistake by tax authorities”, he added. You can learn more about contesting a CSM charge here.

READ MORE: Cotisations: Why you might get an unexpected French health bill

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