Showing posts with label Thinking. Show all posts
Showing posts with label Thinking. Show all posts

Friday, 27 February 2015

Money and Gender

Have you ever thought of financial management in terms of gender stereotypes? I was recently considering which financial chores are difficult for me and which seem to come naturally and I discovered I think of 'male' and 'female' jobs. Not that my money is anyone's responsibility other than my own. I sometimes seek enlightenment from Bill about 'accountant-speak' or ask him to double check that I'm not missing any info off a form, but I don't ask him to deal with the bigger issues as much as I would sometimes dearly love to off load the responsibility.


Wallington Hall, May 2014; just because I like posts to have pictures and I like the tranquility of this one.

I find being frugal - not spending money, looking for good prices, doing things myself, is almost second nature these days. Having experienced financial instability at a young age, I'm much more comfortable keeping a good sized margin between me and the 'financial edge', the subject of one of Amy Dacyczyn's editorials in her Tightwad Gazette newsletter. Spending less, even doing without, isn't that hard for me. I'd rather have financial security than just about anything I can think of buying.

What I struggle with is the tax preparation and the management of investments. I didn't have that much problem with going out and making money during my working days, but I would probably struggle with going back to work after over seven years of retirement. I could do it if I had to, but I wouldn't like it. Which pretty much describes the other tasks. I do what I have to, but I really hate it.

It was in trying to outline the 'Getting Things Done' Project List that I became aware of this weirdness in my thinking. I'm practically 19th Century in looking at money jobs: "men's" work is making the money, investing, dealing with tax authorities, giving the "little woman" her household budget and setting other spending priorities.

"Women's work" is running the household for as little as possible and developing the skills necessary to save money. I don't enjoy all those skills, either, but they don't give me the headache that some of the financial stuff does. I suppose part of "women's work" is spending the money to provide food and household goods. I quite enjoy grocery shopping, but I hate buying things for the house, particularly decorating decisions.

Do you like some parts of financial management better than others? 

Friday, 17 January 2014

Glad It's Today

Yesterday was truly awful. You know it's a terrible day when your dentist appointment turns out to have been the high point.  At least I have healthy teeth and I finally seem to have found a dentist I like. He actually performed a check up, a scale and a polish.  And then he thanked me for taking good care of my teeth, saying it was nice to see that for a change.  




Just before going in, I'd got a receipt from a parking machine to display in the car window for an hour and a half.  I was perplexed by the date on the receipt and began to convince myself I'd gone in on the wrong day.  All the receipts along that road had the 14th instead of the 16th and I thought it very peculiar.  So I went into the library - it being run by the same people who do parking meters, the local authority - and reported this.  They didn't seem to feel it was their problem, but she lifted to phone to call upstairs to customer service so I could get on to my appointment.

When I was done at the dentist I went back to the library to make sure this was reported.  The man at the library front desk couldn't tell me anything.  I went upstairs and told the lady at the reception of customer service, but all she could tell me was to take a number and wait to be seen by the proper person.  It would be 15 minutes so I thought I could return some books and lighten my back pack.  

The lady at the upstairs library desk said there were only machines on that floor for checking out.  I would need to return to the ground floor for checking-in machines.  She could only help me if those machines were busy.  As I headed for the stairs I mumbled 'useless people!'  When I returned up the stairs I went to look for something to read to pass the waiting time.  The lady who'd sent me downstairs directed another person to the shelves I was perusing and she apologized that she hadn't taken my books for me. I thanked her.

I found a book, took a seat and waited to see a customer service rep.  I explained that the parking meter on the north side of the road had the wrong date:  every car along that side of the square had receipts for the 14th.  On the east side, the receipts had the correct date, the 16th.  My complaint was logged, she phoned the parking people as I sat there. She told me that if I did have a ticket to bring it straight back up and she'd take care of it.  By the time that was all done I didn't have enough time left on the meter to do anything else useful and so I drove up to Seaton Delaval to do grocery shopping.  

I went to three stores, first to one 8 miles away (where I managed to drop some eggs and break them) and then on to two other stores on the way home.  I had two near misses, one car seemed determined to side swipe me and some man stepped straight out in front of me in the car park, never even looking. Fortunately I was creeping along trying to decide where to put the car in this unfamiliar car park. I had little luck with the self-service check out machine.  Road works made the route home a maze to squiggle through.  I was trashed by the time I got home and unloaded the car.

When I went in, Bill was at the kitchen table eating his lunch. He apologized for not helping with the groceries but said he had a headache.  He had re-organised some things on the overhead shelves in his office.  The weight distribution was wrong apparently and the shelves came down on his head. Not directly I gather, but one shelf onto another and all the contents sliding off onto his head and shoulders and on to the floor around him.  He was just grateful his new computer hadn't been damaged.  I worried that he might have a concussion but he was sure he didn't and there was no blood anywhere.  He took the car keys off me and was going to a DIY shop to get supplies to fix his shelves.  

He came straight back in, grinning.  He said 'I know I shouldn't but I can't resist'.  He handed me the parking receipt and pointed out the time and date:  09:55 16 Jan 14. The right date after all.  I wasted all that time and effort to sort out a problem and all along it was me being dippy.  I did tell the clerk that 'when I saw the date was the 14th I thought I'd lost my mind'.  Well, it turns out that I actually had...

My only excuse is that stress makes me stupid. I'm sure I'm not the first idiot they've seen in that office.  I only wish I hadn't insisted on leaving my name and address so that they could make an official record of my foolishness.   

Did you ever have one of those experiences that makes you doubt your own mental faculties?


Friday, 23 March 2012

Sunk Costs

This is the last of the MBA Monday posts (via DailyLit) that I'm going to talk about, and this is about Sunk Costs:

Sunk costs are time and money (and other resources) you have already spent on a project, investment or some other effort. They have been sunk into the effort and most likely you cannot get them back.

Of course this doesn't just apply to businesses, but to everyday life.  I just have to look around the house, in my closet, at my bookshelves, my sewing stash (though most of it came to me free) and  my hoard collection of magazines to see prime examples! 

The important thing about sunk costs is when it comes time to make a decision about the project or investment, you should NOT factor in the sunk costs in that decision. You should treat them as gone already and make the decision based on what is in front of you in terms of costs and opportunities.

He goes on with another business example, but I know this whole idea of Sunk Costs haunts people when they think about clearing out their clutter.   They punish themselves for clothing mistakes, hang onto books they feel they 'should' re-read, treat magazines as a source of encyclopedic knowledge to be treasured.  A downside of being interested in re-fashioning is that every lovely piece of fabric looks like it has 'potential'.  (Have you worked out yet that for 'They', read 'Shelley'?).

Several major blessings of late have been that Bill's son and son-in-law have each got interested in running, so I could easily pull out all the Runners World magazines for re-distribution.  The local community centre where I go sewing is having a book sale in a few months.  As all our books had to be boxed up in preparation for Bill's painting project.  The process of re-placing those books in the shelves has presented the perfect opportunity for re-assessing ownership.  Even Bill has been culling his collection.  I have been offering my books to the sewing ladies first, in return for all the nice books and fabrics they have given me, then the rest go to the centre.  The ladies often read their selections and bring them back for donation the following week.

It has just occurred to me that, having decided that I don't do cross-stitch projects any longer, I could go through that drawer and pull out some items that a few of the sewing ladies would enjoy!  I might get over those Sunk Costs yet!

Do you look around and see a lot of Sunk Costs?

Friday, 16 March 2012

Opportunity Costs

This is another idea I gleaned from the MBA Monday posts from A VC via Daily Lit. 

It was about Opportunity Cost, defined as the cost of not being able to do something because you are already doing something else. He gives a business example based on a commitment to building a product that ties up staff who are then unable to respond to a better deal that comes along. This struck me because he quotes Gretchen Rubin, whose Happiness Project blog I read daily. She said,


I also try to ignore opportunity costs. I can become paralyzed if I think that way too much. Someone once told me, of my alma mater, “The curse of Yale Law School is to die with your options open” meaning, if you try to preserve every opportunity, you can’t move forward.



I got this graphic from Wikipedia, but my preferred picture would have
been this one.


I'm thinking I don't properly understand this concept, because it does seem to me that there are many applications of this principle for me, worth giving attention when making choices about my three limited resources: time, money & energy.
  • If I spend all my money on fun stuff, I may have lost the capacity to pay an unexpected bill.
  • If I spend all my time reading blogs, I may have lost the daylight to go for a run.
  • If I go for a very long run, I have to accept that I will likely not have much energy left for much else (at least until long runs are normal again).
Of course, these are all about things in the future that are easily foreseeable.  The unspoken part of the definition of opportunity costs seems to be about things one could never predict would come along, for example, never marrying because a 'better one' might be around the corner, which I think is a great example of Gretchen's idea of never being able to move forward.

I think the opportunity cost concept is looming larger for me of late because of getting older. I'm conscious that there will likely come a time when Bill and I are not up for long haul travel. I'm saving cruises for then, I think, where everything is done for you; assuming, of course, that we will still be able to afford them.

Do you find yourself using or ignoring the concept of "Opportunity Cost" in your everyday life?

Wednesday, 25 January 2012

Calling Cards

I have enjoyed the variety of newer commenters who have found their way over to Shelley's House (not that I didn't appreciate the commenters I already had).  I have the impression that, with some bloggers, if I leave a comment on their blog they will respond by coming over and leaving a comment on mine.   It doesn't work that way with all bloggers, but I seem to have stumbled onto a group for which it does, which is a lot of fun!


Buy It Now for Only $399

Aside from all this gadding about, I've spent large parts of the last week visiting Susan Tiner's blogs, Style Made by Hand  and her old one Financial Organising Dreams.  I feel as though I've returned to university, being introduced to so many ideas I've never before considered.  Some of the concepts strike my simple mind as fairly subtle, so I feel a bit out of my depth, but I still enjoy trying to understand even if I don't quite.  She writes about many things that interest me:  sewing, finding one's own style, her experience of growing up in the 60s and 70s (she's two years younger than I), genealogy and the mysteries of family stories.  She also writes about and links to articles about social class in America and about American values about money.  One of Susan's posts about Money Taboo - Filthy Lucre was particularly interesting as it referred to Emily Post's book on Etiquette from the 1920's, a glimpse into another time and way of life that I always find fun, and because I'd just read about Carolyn's having second thoughts about writing about the cost of the outfits she was sewing.

A steal at $550


Reading in Post's book about the rules of etiquette around the custom of leaving calling cards made me think of this recent exchange of comments on blogs.  Oddly, however, I must admit that when I opened Blogger one morning to find 8!!! comments to be 'moderated' my first thought was to wonder if I was in trouble!  Had I offended someone who was now haranguing me or had I attracted the unwanted attentions of a persistent spammer?  Very happily they were all nice comments from real bloggers, returning my visits, just as returning visits, with the appropriate coding of cards, was done by some in the past.

The idea of social class and the British idea of 'knowing one's place' came to my mind some time back when I found myself reacting negatively to a comment left on a blog I read fairly regularly.  It seemed to me at the time that the commenter was being sniffy and dismissive about the blogger's frugal ways.  The blogger didn't seem to take offence, so I thought I shouldn't either, but I struggled with it all.  The commenter writes a blog of a completely different genre, about luxury items and such.   The comment seemed inapproriate in the same way that any lecture I might leave about being frugal on a blog devoted to celebrating the more exuberent end of consumerism would be.  It struck me that if one is going to cross class or culture online, one should be extra considerate of the different viewpoints.  I found myself mentally muttering about 'folks knowing their place'!    Isn't blogland crackers sometimes!?  Or maybe it's just me being a bit mental.

Of course the widespread opportunity to improve 'one's place' is why many Brits say that the class system has gone and why some American's don't believe there is a class system in the US; I'm not so sure about that now.   The New York Times articles on Class Matters are quite revealing.  (One can read up to 20 articles for free per month.  I'm looking forward to picking up my reading again in February!) 

Anyhow, reverting to an age old love, the origin of words, I found this explanation in Post's book about the source of the term etiquette, yet another reason why the French seem to exert so much influence on our ideas of elegant living.

To the French we owe the word etiquette, and it is amusing to discover its origin in the commonplace familiar warning—"Keep off the grass." It happened in the reign of Louis XIV, when the gardens of Versailles were being laid out, that the master gardener, an old Scotsman, was sorely tried because his newly seeded lawns were being continually trampled upon. To keep trespassers off, he put up warning signs or tickets—etiquettes—on which was indicated the path along which to pass. But the courtiers paid no attention to these directions and so the determined Scot complained to the King in such convincing manner that His Majesty issued an edict commanding everyone at Court to "keep within the etiquettes." Gradually the term came to cover all the rules for correct demeanor and deportment in court circles; and thus through the centuries it has grown into use to describe the conventions sanctioned for the purpose of smoothing personal contacts and developing tact and good manners in social intercourse. With the decline of feudal courts and the rise of empires of industry, much of the ceremony of life was discarded for plain and less formal dealing. Trousers and coats supplanted doublets and hose, and the change in costume was not more extreme than the change in social ideas. The court ceased to be the arbiter of manners, though the aristocracy of the land remained the high exemplar of good breeding.



A bargain, at only $295

And just so I can have pretty illustrations to attach, I've visited eBay to share photos of calling card cases which, surprisingly, are more common on eBay.com than on eBay.co.uk.

Thursday, 23 December 2010

Winding Down

It's been a strange week or two around here.  I've been ticking through my Christmas list (surely everyone has one of those) as well as going through the usual routine.  

 

One by one, things have wound down:  the sewing group doesn't meet until the 4th of January, the bookbinding group the week after, the sport centre where the running club meets is shut, Bill went to work for his last day this year, just to do some odd jobs, so I went with him.  

 
He has worked the last few years as the manager of a residential care home for people with mental health problems.  The company that owns the home has been re-organised and is now privately owned.  

The Board has decided that homes providing care at this level aren't sufficiently profitable to keep and so the home is now closed.  

 

Bill has had a fraught time, making sure his residents all have new accommodation and supporting his staff in finding new jobs, but everyone is more or less taken care of.  

 

It had been Bill's own plan to finish work this next summer, so all they've done is move his plans forward a few months.  


It's a lovely old manor house that housed seventeen to nineteen residents, most with their own en suite bathrooms.  

 

One room had a small kitchen and laundry facilities for residents who were practicing their independent living skills before moving into a flat of their own, with some occasional supervision.   

 

I don't know any one's names or details and though I've met a few of them once on a previous visit I wouldn't be able to come up with names or recognise faces.  

 

The only reason I know the names of some of the staff is because they tended to ring here at all hours to hand Bill some of the most perplexing problems and get his advice.  


Heaven knows what would happen to his residents if they were in the US; I haven't any knowledge of this area of work in there, other than perhaps the few shorts years I spent working as a file clerk for the welfare department.  

 

I expect I typed some of their American counterparts' names on index cards and cross referenced their and their family members' welfare case numbers, writing the list on the inside of a brown folder that would hold the their welfare case papers.


I know from Bill's work that even living in what many would call a welfare state, bad things can happen.  

 

You can have a heart attack at a really young age, like in your 30s or 40s, so severe that your brain is deprived of oxygen for long enough that you are mentally handicapped from there on.  

 

You can have a mental illness, the cause of which isn't really known, that requires the use of strong medication so that you can even begin to pass for normal.  Some of the side-effects of the meds can be such that you could be forgiven for being unsure which state was preferable.  

 

You could come from parents so incompetent that the state took you into 'care' as a child and you grew up in 'care', which for the age of these residents, meant in an institution.  A few stories I've read in the newspapers about those sorts of places are chilling, particularly when one considers the vulnerability of the residents; some of them never managed to become competent adults and are still sorely vulnerable.   I gather the average age of Bill's punters was about 50-60.


One of Bill's last jobs with the NHS dealt with serious cases, many of them angry, testosterone-fueled young men admitted with psychoses resulting from drug-abuse.  Some of them conveniently admitted to a place where the police could not hold them accountable.   Bill decided eventually that he was too old for that malarky and gave it up for work in the private sector; it paid a bit less, but the quality of life at work was infinitely better.


That said, some of the residents were difficult, spilling things, leaking fluids, resistant to bathing.  Stains on the bare floors spoke of soaked carpets and some of the rooms had a peculiar smell overlaid with disinfectant.  

 

Bill always explained to the staff that residents must be made to bathe and wear clean clothes, because to not do so would invite trouble to them when they went into the community, as they routinely did, to the convenience store or the chip shop or over to visit a relative.  If they were smelly and unkempt, it would be considered that no one cared about them and they could more easily be the target of bullying.  

 

Residents were made to get up and be dressed before a certain time in the late morning, else they didn't get their spending money.  They had to participate in keeping their rooms picked up and their belongings put away, as the cleaner couldn't clean otherwise.   Bill kept an open door policy that applied to residents as well as staff, so they could always air their complaints with the management, so to speak.


Bill also mentored his staff, encouraging all of them to pursue qualifications that would let them apply for better paid jobs.  He pushed them to take more decisions and have more confidence, but then as manager the final responsibility was always his, thus the phone calls at 2 or 3 am when a resident went missing, the heating or electrics stopped or they found a major leak in a pipe in the basement.  One of the problems with lovely old manor houses is they require upkeep and until Bill, a former buildings surveyor, came along, the house got patched instead of mended. 

 

The likely fate of the place, sadly, is to be torn down and replaced by a block of flats.  That said, a similar plight befell a house not far down the road and it still has 'For Sale' signs up a couple of years on, so perhaps this is not a given.  As Bill went from room to room, checking and locking before we left, he outlined ideas for how the present structure could be turned into a block of six flats.  If I had a choice between a modern box and a place of character with grounds and walled garden, I know which way I'd go - assuming of course that it smelled nice.


How about you?

Thursday, 9 December 2010

Talking and Ruminating

This is still another chapter topic from Simple Pleasures.  

Apparently, there is a difference between conversation and discussion.  One is for  fun, the other for business.  I think I may still have more business discussions than conversations, in spite of being retired, which is a little strange.  Perhaps it's due to a somewhat solitary life, part of which is filled with committee-related e-mails (but then I think they are also fun).  Bill and I tend to 'discuss' the 'business' of running the house, having guests, Christmas plans, activities at weekends; I've no complaints about this whatsoever.  We have 'conversations', too,  generally when one of us comes across a new idea to share.  This is a good reason to have some separateness, if only to have something interesting to say to one another.  Otherwise we companionably read our books.

Another author writes about gossips vs. people of rigidly upstanding character (she calls them 'prigs') and is very clear that she votes for gossip.  It bonds friendships, has a element of trust, is a form of generous sharing and is just more fun.  She does set the boundary that it cannot be used for self-advancement, but I'm not sure what she means by this.  Personally, I divide gossip into 'malicious' and 'news about people who interest me.'  I have occasionally met a person who practically salivates when relating ugly stories about people they envy or hate.  I think these characters  are a bit scary and I cross the road to avoid meeting them, so to speak.  Then there is my question about 'How are John and Mary doing?' put to a common friend.  Last I heard their marriage was on rocky ground, for example.  I'm not looking for bad news to enjoy, I'd be thrilled to know they had patched things up.  I care about these people and I'm out of touch; I want information.  I will admit there are people in the world about whom bad news gives me no pain.  I just hope that I manage to mask my satisfaction sufficiently that folks won't cross the road.

If one has an excellent grasp of grammar, one can take pleasure in correcting others.  Spelling mistakes are another similar entertainment of one of the writers in this book.  I can only hope he has found his calling as a teacher or a proofreader and hasn't time to read this blog.  Why the editor chose to insert his essay into this chapter, I'm not quite certain; perhaps he was too intimidated to omit it altogether.

Then the authors seem to change the subject from talking to chewing thinking.  One writer told how excited she was anytime a business colleague cancelled a working lunch at short notice. It gave her time to think her own thoughts.  I did plenty of working lunches, though usually because of a day-long meeting ... .  Can I tell you how wonderful it is to be retired?

Note: she's not pregant, it was the fashion.  Can we have that fashion back, please, only without the head gear?
Another writer's piece is titled 'Portrait of a Marriage', which if Googled takes you to an altogether different, though fascinating, topic.  She's referring instead to the Arnolfini Portrait, on which many people seem to chew, and drawing comparisons with her own recent marriage.  [Note to self: read more about 'dagging'.]  The real point of her piece seems to be how pleasurable a place is The National Gallery, where she visits this painting like an old friend.  I can understand this, though the most permanant exhibit I've discovered at the Laing is the stained glass window; perhaps I should make friends with more of the pieces there.  My favourite place to ruminate is either right here at my computer or sitting with coffee in front of the fire with pen and a notebook.


'Wandering Lonely as a Cloud' clarifies that this is a pleasant occupation:  solitude is good.  No one ever needed to explain that to this only child.  Then someone talks about Meditation.  He approaches it in a very serious way, going to a School of Meditation and taking up yoga in India.  I like to think of meditation as 'sustained application of the mind to the contemplation of a spiritual truth' which can take place whilst sitting in an ordinary chair in your ordinary clothes, but each to his own.

The last author, of the Gratitude Diaries, tells how in a time of trouble a friend gave her a diary and set her the task of finding five things for which she was grateful, on a daily basis.  She's done this for many years now and her children will inherit the accumulation.  She noted that some of her previous entries would provoke curiosity, as she'd made single sentence entries, and that whilst it would make clear what in life brought her the most satisfaction, the journals weren't likely to be that interesting.  She clearly kept the diaries for her own benefit.  Sort of like this blog, then.  


Reminding myself of my blessings when I'm unhappy doesn't necessarily remove the unhappiness, in my experience.  Rather the blessings make my unhappiness seem less important and pull me above the present circumstance, if I'll just apply myself.   I hope her children appreciate their inheritance.

On the whole this chapter struck me as outlining some of the pleasures of company and some of the pleasures of solitude.  I revel in my solitude and will no doubt have to make some adjustments when Bill finishes work, but we have contentedly occupied different parts of the house in the past and I expect that will continue to some extent.  I'm particular about whose company I keep, so when I do meet up with friends, I really enjoy myself and we have lots to talk about.

Do you find simple pleasure in talking and in ruminating?

Thursday, 12 August 2010

Autobiographical Travel - Part I

It is sometimes hard for me to fathom the difference between the way I live now and the way I grew up.   Some things haven't changed much at all, but one of the main differences in my life then and now is travel.

I grew up in a pleasant enough suburb of Oklahoma City called The Village. It may not be as nice now, but it was a great place to grow up, with lots of kids on the block to play with and lots of stay at home Mom's offering homemade cookies. I wonder sometimes if the fact that the street names around me, such as Oxford, Carlisle, Sheffield and Essex didn’t determine in some odd fashion that I would eventually live in England. Mom and Daddy were self-employed portrait photographers and, though they did good work which is still displayed all over the posh areas of Oklahoma City, money was always tight and we never took a vacation and went somewhere else. Not once. 

Grandma and Grandpa would go up North to Minneapolis and such to visit family, but not Daddy. Mom had family in Shreveport, Louisiana, but we never went there either. The closest they came to a vacation when I was growing up was a day at the lake fishing or going to a drive-in movie; either of these activities involved a basket of home fried chicken and a six-pack of Schlitz beer.

There was a family friend who lived in Shawnee, Oklahoma (2000 population 28,692), about 50 miles away.  Jack and his wife Liz (with beautiful waist length black hair) had no children and I would sometimes get to spend a day out at their house playing with the endless supply of puppies. I had a great uncle Paul, who lived in Shawnee as well, and I remember visiting him once. I still have an uncle, John, who lives in Shawnee, funny enough. 

My best friend’s grandmother lived in Thomas, OK (2000 population 1,238; about 100 miles NW) and I would go along and get to sleep in a feather bed and ride 
 

View Larger Map



a borrowed bike up and down the 3-4 main streets of the town. That was the first time I ever saw anyone keep a refrigerator on their back porch.

It was about 1968, I was 12, the first time I ever left Oklahoma. My Aunt Rita took me with her to a friend’s wedding in Dallas. I still remember that she was driving a convertible; she always had great cars. That one was a Camaro, I think. As a teenager I remember going with friends of my Dad on holiday to Devil’s Den, Arkansas, to look after their children.   (Some folks here in England seem to think that 'Arkansas' is pronounced R-Kansas; maybe they think it's next to Kansas as well, like North & South Carolina, I don't know.  To be fair, though, I wouldn't swear even now that I pronounce all the names over here correctly).  I occasionally managed other trips with friends, like over the border into Texas or even once to Denver, Colorado.  We had a convoy of cars driving all night to get there for a day and all night to get home. It was an insane thing to do.

At 18, I took a Greyhound bus to see a boyfriend in the Army at Fort Leonard Wood, Missouri. That Greyhound bus trip was a cultural experience if there ever was one and deserves its own post.  A year later I flew for the first time, to see the same guy at Fort Bragg, North Carolina.  We drove on East  and I had my first sight of an ocean, the endless grey Atlantic. 

I still remember the outfit that Mom ‘made’ me wear to fly. It was a pale blue knit skirt and jacket with navy suede trim and the open toed sling backed heels were also navy suede. She was right, it was appropriate to dress up and I’d have embarrassed myself otherwise. The rest of my life then I lived in holey jeans and peasant blouses, so it was rather strange assuming this alternate identity and, considering how people dress to go on airplanes these days, I feel quite ancient remembering it.  

I broke up with that young man a couple of years later.  For quite a while I considered him to have been ‘the love of my life’, but it dawned on me not long ago that this is, in fact, Bill.

To be continued...

Saturday, 24 July 2010

Kind and Necessary Truths

Years ago I remember hearing the idea that before speaking a person should judge what s/he was about to say against three criteria:

Is it true?     Is it kind?     Is it necessary?

During the short periods when I managed to remember and practice this, I found that I had remarkably little to say!  I think I was a teenager at the time so I expect, for those near me, this improved the quality of their life immeasurably. 

Though I’ve generally always aimed to tell the truth, ‘Is it true’ filters out all sorts of gossip or hearsay, and though some of it might be true its verity is not always known, so one can’t really go there.  Another area where this shows up shabby words is where we apply stereotypes or blithely spout ‘accepted wisdom’ about people or events without first hand experience or closer investigation.  I can remember occasions when I’ve been caught out and corrected – and rightly so.  I try to be more certain of my facts and, if I can, learn about the history involved. 

‘Is it kind?’ is a criterion with which some would argue, saying that hard truths must be said and one can’t always be kind in the real world.  I think telling a hard truth is kind in a tough sort of way, though I would think long and hard to make sure I wasn’t justifying myself.  It is the snide little witticisms and sarcastic remarks that evaporate under this light, no great loss, really.  Also pointing out other people’s weaknesses and foibles, which of course allows us to congratulate ourselves for not having them.  It may well be true, but the world is not a better place for it having been aired.  Brits are fond of saying that they “Don’t suffer fools gladly”.  I’ve not heard those words in the States as often as over here; I’m sure Americans just phrase it differently.  I’ve yet to hear a person say this that I didn’t wonder if they a) felt they were suffering me; and b) didn’t perhaps think excessively well of themselves.  Thereafter I'm afraid I don't seek their company gladly.

‘Is it necessary’ was the part that really shut me up (and, I realize, if rigorously applied would end this blog)!  My dad always observed that the less you said, the smarter people assume you are.  Not a bad consequence, is it?  Mind, the things that survive all these tests are the practical bits of information that let us work together and help one another, the small courtesies and considerations that smooth the way between people and of course all those genuine expressions of affection and regard that may be neglected and lost for speaking the unnecessary.   I’m really glad I was reminded of this idea recently, so I could pull it out and try to use it again.

Have you ever consciously tried to be more careful about what you say, just as a matter of principle? 

Thursday, 11 March 2010

Economics Education

I'd be the first to admit I'm an economics idiot. The only claim I can make is that I'm reasonably good at not spending money when I don't want to and in large part this is bolstered by my natural tendency to procrastinate. This tendency has likely cost me a great deal as well, just not in the way of direct expenditure. Given my opportunities, a more self-disciplined person could have been far better off than I am now.

In my defense, I was never taught anything other than frugality and saving. The world of stocks and bonds, mutual funds and equities was and is murky water to me. Sure enough the one time I got involved with an 'Independent Financial Advisor' he turned out to be a major crook -- well, let's not flatter him -- call him a small time shyster. I'd flush my cash before I'd do business with him again.

Anyhow, the other day we were driving back from a visit to Manchester and I was reading from a (free) copy of
The Independent. I read that Gordon Brown (the current Prime Minister here in the UK -- I'm not assuming anyone else's political knowledge is much more advanced than mine, either) that (and I can't quote it exactly as Bill has recycled the paper) most of the spending in this country is done by lower income people. I read it a couple of times as the first time I took it as a slightly denigrating comment, but that's what he said.

I put the paper down and did some thinking, then I tried out some ideas on Bill:

  • Let's say there is a revolution that allows everyone to start out on an equal financial basis and to have a job to produce income for themselves.
  • Some people spend everything that comes to them, improving their standard of living to the fullest they can afford. They do not save. Let's call these 'A' people.
  • Other people tend to stay out of debt, buy only what they need for a decent lifestyle and not only save, but invest for an income. They may go into business for themselves so as not to work for someone else's profit, only their own. Let's call these 'B' people.
  • 'B' people come to own the businesses that A people buy from, either buying the company or through owning stocks. All going well, their investment income may eventually allow them not to work for someone else. This is one of my definitions of wealth, not going to work on a daily basis.
  • 'A' people have debts to pay, little or no savings against bad times, they live month to month, one paycheck away from the welfare line. That said, they have new cars, the latest iPod/mobile phone/slim-line TV with cable, season tickets for their football team and they wear the latest fashions from the High Street. Their credit cards are maxed and they live on their overdraft at the bank.
  • It looks to me like 'A' people's spending is what makes the 'B' people rich.
I'm aware that this is all very polarised classification and most of us fall somewhere between A and B. It is also a fact that not everyone is smart enough or healthy enough to do work well paid enough to do much saving. Less intelligent people -- unless they are very attractive or are gifted in a well-paid sport -- don't normally manage to change their fortunes.

I think what I'm saying is that I wish my early education had included better insight into being a 'B' person. Life - and observing my Mom taught me to be cautious about being an 'A' person, like my Dad; but neither of them knew much about 'B' type activities, aside from the fact that they had experience of being self-employed. Given that our standard of living and security greatly increased when my Dad got a 'real' job, it didn't give me a particularly high opinion of self-employment.

That leaves all those other 'B' things -- but then you have to pay people to do them for you...something I'm fairly loathe to do. Oh well, I'll try to keep it simple and do 'B' things in a very small way. I'm just not certain of getting the more advanced parts right.


I drafted this a long time ago, before the house of cards came crashing down, but when people first felt the breeze of change. I see bits here and there about financial education in schools, but I sometimes wonder if the lack has been deliberate (ever seeing a conspiracy). Are we getting better at teaching kids about money and how to make it work?

Thursday, 4 February 2010

Grownup-in-Training

One of my daily visit blogs is RealDelia. I like her blog because she is a 'real' writer (ie she makes a living from it), because she is an American living in England (Though in London where most people seem to go, not to the 'real' England like me (ha!). You know fine well, the tourist spots are not real America, either.) and because from her blog I find many other things on the internet that educate and amuse me.

In her post today she lists all the reasons she loves blogging and I have to nod my head to each and every one of them: finding a voice, getting more discipline, discovering new friends, learning loads and, best of all, I think, becoming more mindful.

It was also from this post that I found the Neverbloomer quiz and my test result was totally spot on, well, in a metaphorical way and except for the bit about General Hospital, I don't do soaps.

You are a Grownup-in-Training.
You may not yet be a full-fledged grownup, but you sure know how to find one when you need one. Your Yellow Pages are well dog-eared, as you are constantly adding the phone numbers of competent GrownUp professionals to your personal directory.

You are very aware of your inner-child, but aspire to at least become her responsible adult guardian sometime soon. People lean on you for advice, but you're still looking to others to teach you how to bloom.

You watch General Hospital for clues, and have concluded that while Laura may play the part, Luke is the grownup you most want to be like.
So, do you feel like a grown-up or, like me, are you still trying to raise yourself?

Saturday, 2 January 2010

Franklin's Wisdom

I plan to tell you lots about some of the wonderful things I got for Christmas. One of them was the Autobiography of Benjamin Franklin. It's been something I've wanted for a long time as it was recommended in another book I admire, Steven Covey's Seven Habits of Highly Effective People. In fact, looking for this among the biographical section of our local library was what got me started reading the women's biographies I found there. Unfortunately, Ben Franklin wasn't on their shelves, but I was reminded of this book by a mention in the Happiness Project and so added it to my Christmas wishlist.

The first part is the tale of his adventures as a young man. He doesn't portray these as adventures, rather he relates the nature of his relationship with his father and a brother and a bit about the customs of the day and then how things just happened that he moved from Boston to Philadelphia and became self-sufficient at a very young age.

Then there is a section that describes his efforts at self-improvement, both of his intellect and his moral character. For the latter he produced a list of qualities he felt important and gave each a specific definition. He then put them in order such that one would help him attain the next. Then he made a chart with those qualities down the left side and days of the week across the top. In the boxes he put marks for when he felt he failed to practice the quality of the week. His aim was to have a blemish free week for each trait before tackling the next one.

His list looks pretty straight-forward at first glance, I thought, but the definitions are killers.

  • Temperance: Eat not to dullness; drink not to elevation
  • Silence: Speak not but what may benefit others or yourself; avoid trifling conversations
  • Order: Let all your things have their places; let each part of your business have its time
  • Resolution: Resolve to perform what you ought; perform without fail what you resolve
  • Frugality: Make no expense but to do good to others or yourself; ie waste nothing
  • Industry: Lose no time; be always employed in something useful; cut off unnecessary actions
  • Sincerity: Use no hurtful deceit; think innocently and justly and if you speak, speak accordingly
  • Justice: Wrong no one by doing injuries, or omitting the benefits that are your duty
  • Moderation: Avoid extremes; forbear resenting injuries so much as you think they deserve
  • Cleanliness: Tolerate no uncleanliness in body, clothes or habitation
  • Tranquility: Be not disturbed at trifles, or at accidents common or unavoidable
  • Chastity: Rarely use venery but for health or offspring, never to dullness, weakness or to the injury of your own or another's peace or reputation
  • Humility: Imitate Jesus and Socrates
He said that in one year's time, he only made it through the list 3 times and in the next year even less. I don't know if he had to maintain the first qualities to continue down the list or if it was an exercise in 'practice' rather than 'perfection'.

Still, if you're lacking inspiration for your New Year's resolutions, these might provide a few ideas...

Friday, 3 October 2008

Dreams in the Dusk

Dreams in the dusk,
Only dreams closing the day



The rest of Carl Sandberg's poem is
lovely, but mournful.



I felt only peace and contentment at finding
such beauty outside my window.



DREAMS in the dusk,
Only dreams closing the day
And with the day's close going back
To the gray things, the dark things,
The far, deep things of dreamland.

Dreams, only dreams in the dusk,
Only the old remembered pictures
Of lost days when the day's loss
Wrote in tears the heart's loss.

Tears and loss and broken dreams
May find your heart at dusk.