Querulous today

I read this somewhere, a while back, don’t know who wrote it –

From birth to 18, to live life to the fullest, a girl needs good parents.

From 18 to 30 she needs good looks

From 30 to 50 she needs good luck

After 50, she needs good cash.

And STILL my Premium Bonds aren’t spitting out that increasingly essential million pound payout.  In the not too distant past, one planned to fund life up to 70. Now life expectancy is over 80 and rising, and that’s downright scary. A couple of blogs ago I mooted a tontine but no-one seems yet to have forwarded it to the Chancellor. Tchah. I really don’t want to live to a great age if it involves being infirm, reliant on others, and / or poor. In fact between thee and me I don’t want to live to a great age at all. 10 or 20 extra years between 30 and 40, absolutely, but tacking them on at the end, eek, no. When vigour and agility and joy in living starts to diminish, who wants to still have a 20 year sentence to complete?

My daughter gets married next March and may produce a grandchild or two – she’s not promising anything. Maybe then I’d feel differently and want to stick around for as long as possible. Right now if the great cosmic bell rang in my ear and a voice intoned ‘we’ll get you to the wedding, but after that you’d better tidy the house every night before you go to bed because time’s nearly up’ I’d be pretty shaken but not devastated. In fact, sneakingly relieved. The definition of middle-aged keeps stretching, and I do both admire and wonder at people of 70-plus who call themselves middle aged. I’ve heard it said that middle age starts with the first mortgage. Does it end when that’s paid off? There’s another old saw – forties are the old age of youth. The fifties are the youth of old age.

Am I old? I worry about my finances, socialising gives me a headache, and I can’t run up a flight of stairs any more. I’ve never been great with names, but now I’m having occasional problems with faces, too. Sprinting for the train leaves dancing spots in front of my eyes. I’ve started getting ailments I never heard of, that I have to look up on the internet. Well, okay, just one, but it’s the thin end of the wedge. There are increasing streaks of silver in my hair – pretty soon I must choose between streaking or dyeing it, or just letting it pick its own colour. I’m seriously considering writing post-it notes to myself, to carry them from room to room, because it is so bloody irritating to forget what I was going for.  Any day now someone will offer me their seat on the train and I won’t know whether to simper gratefully or be resentful. (Who am I kidding? Both.) It doesn’t help that as a weathered South African living amid the superb Scottish skins I already look ten years older than my contemporaries.

Bette Davis is quoted saying, at 70 plus, ‘old age isn’t for sissies’. At 10, I’d have dared anything rather than be called a sissy. Now, I’m wondering whether I’m up for the challenge. You’re as old as you feel. Today that makes me about 97. Tomorrow – who knows. How’s your day going?

And now for something completely different

Here’s a question – I’m writing a series of detective stories which are breezy and wouldn’t bring a blush to your maiden aunt’s cheeks. You could recommend them to her without a qualm. (Do feel free to do so, by the way.  The more the merrier when it comes to readers. Details under About tab. Thanks) (smiley face)

But back to the question.  I’ve also written a sci-fi story which is about to go off for editing. I doubt your blushing aunt would like it, unless she likes sci-fi, plus it contains a lot of what in Scotland are called swearies.  That isn’t gratuitous, it establishes the characters firmly by type, and the story is funny and lively, not even completely free of raunchy, BUT as far from the Grasshopper Lawns stories as they could be, considering they’re written by the same person.  Obviously I’m going to put it out under a different name but the question, you knew I’d get there eventually, is do I keep them completely separate?  For instance I could put into my author profile on Amazon that I also write under the other name. Or refer each to the other in a note at the end.

There won’t be many of this type (certainly no series) and as a stand-alone it will struggle.  So there is a temptation to link them and be offering a bigger general range in a very crowded market. However they are so different that one of my beta readers gave up after 10 pages, whereas a new beta reader enjoyed it but is completely uninterested in the Grasshopper lot. There’s not going to be much overlap.

So I’d really appreciate some advice here, especially from someone who has had the same genre-jumping issues, or from anyone who likes both types. It can’t only be me, can it?

Time for the tontine

Some people are gifted wordsmiths and could sell ice cubes at the North Pole. I’m anti-gifted, I couldn’t give away water in the desert. That’s why I’m putting this forward to writers, because there’ll be some convincing and hard-talking needed.  Just sift through my ramblings and see if you also think tontines are the best hope for our financial futures, eh?

Author Thomas Costain wrote a book in 1956 called The Tontine, which as its central thread tracked four characters in their late teens and early twenties. Their parents invested the – at that time enormous – figure of one hundred guineas each in a tontine set up after the battle of Waterloo, with the capital finally to go to war veterans.  The venture caught public interest and millions of pounds were invested. Three of the characters were to be the final three survivors, and in their eighties were receiving annual interest cheques worth, in modern terms, hundreds of thousands of pounds.   The book covers sixty years of dramatic change in England and abroad, through the Industrial Revolution and the emancipation of women, and is fascinating, you should read it, but the point of this blog is, isn’t it time to bring back a tontine system for old age?

The tontine took its name from Italian banker Lorenzo de Tonti, and at its simplest, one buys in to one’s age group, the funds are invested for a tontine period which usually equates to pensionable age (so those investing at age twenty would be in for a forty year investment period) during which all interest would be reinvested. When the tontine matures, the annual interest is instead divided every year between the survivors.  Wikipedia describes it as a combination of a group annuity and a lottery. The older you live, the better off you will be – a dramatic alternative to the future facing most of us now.   You are gambling on living longer – and it is the word ‘gamble’ that ended the tontines originally. Gambling on the outcome became so heated that the last few survivors had to be guarded 24/7 so that bookies couldn’t nobble the favourites!

The first tontine was in the Netherlands in 1670, and over the next century there were state tontines in England, France, and some German states. They were optional, not obligatory, and therefore not fully subscribed, which was eventually their downfall – to be truly appealing, the capital has to be huge.  I believe the answer is for a government itself to pay in for every registered citizen (maybe, if the ID system is really to go ahead in the UK, as a carrot dangled in front of a reluctant population?) and for people to have the option to increase their stake.

Personally I’m at the age where I couldn’t hope for a tontine period of longer than 10 years (unless I bought into a group with a longer period to run) but I really wish there was one. In my direct line, only one ancestor has failed to make it to eighty. My maternal great-grandmother cleared a century with ease. These bones are built to last, but oi, my finances.  Will they stretch another twenty, thirty years? Offer me anything where my investments would improve by the year, and I’m in.  A thousand pounds, absolutely. Five thousand? Er – gulp – okay.  If I was really, really sure I’d make it through to the final stages I’d beg, borrow or steal to invest every penny I could, to get a bigger percentage of those huge final payments.

If I got knocked over by a car two days after committing the funds, too bad.  Them’s the breaks.  If I died one day before an annual payment, I lost out for that year and so did my heirs, but then of course I wouldn’t care because my financial worries would be over for good.  It is the most personal investment you could ever make.

The Waterloo Tontine of the book was privately run and turned out to be a fraud, but was intercepted and run properly. (Really. Read the book. It’s huge, but fascinating.)  Governments, however, really should be looking at bringing back the state tontine.   With increasing longevity the tontine for twenty-somethings would potentially only run out of survivors in eighty years, but in the meantime there’s a huge cash injection from the twenty somethings, thirty somethings, forty somethings, etcetera – all the different groups.  Those already over pension age would probably start receiving interest payments immediately on their group’s capital, but even for them living the longest would pay off the best.

Anyone with me on this? Who wants a tontine system for themselves, and their kids?  If this has caught the eye of just one person who can talk well, and spread the word, that’s a step towards assuring a future for old me.  She’ll be ever so grateful.

Random memories – me being a threat to US security –

Top US security guards are surprisingly large. I mean surprisingly large. It was like being hemmed in by two suspicious Hummers – but I am getting ahead of myself.

A long, long time ago in a country far, far away, I worked for an elite catering company, co-ordinating events. One of our most prestigious regulars was the US Embassy and the owner of the company was very chuffed when we were booked for a particularly high-profile cocktail party at the Embassy. It would be huge – 600 guests – and security was even tighter than usual. Dinner would also be required in an upstairs room for a small party of VIVIPs. We were to submit ID numbers for all 25 participating staff for security checks and a few of us – the owner, the chef, two serving staff, me – would need top level clearance.

Two weeks before the event the owner was whisked into hospital for major brain surgery. There was no way he’d be back in the saddle in time, but after an emergency meeting the Embassy decided they would go ahead anyway rather than start the whole security thing again with another caterer.

A frisson of excitement ran through the entire company when we realized President Bill Clinton was visiting SA at the same time. So that was why the security was so much stricter! The Embassy cagily confirmed the President’s party would be the dinner guests and our Austrian chef Albert threw himself into an orgy of preparation. I even booked my daughter, then 14, as one of the general waitresses looking after the cocktail party – come on, the President of the USA? She’d worked functions before, would never have forgiven me if I hadn’t included her, and at least I knew she wasn’t a security risk.

It was a roaring success. With the main rush over Albert and I retreated for a brief celebratory smoke break. He wanted to shake hands, but I’d been caught that way before – the man was a handshake sadist with a grip like a mangle – so we settled for high-fives, then noticed a security guard pointing us out to a worried-looking man. Uh-oh. He came over to say the President was also to meet a group of 60 prominent American businesspeople, but the caterers had let them down. The President, he said, would take it as a personal favour if we could help out.

We said promptly that we’d be delighted, when was it?  The worried man looked even more worried. The party, he said, was starting now –

For security reasons no-one is allowed to leave any event before the Presidential party does, so you may imagine the looks the tiny task team got as we were escorted out by by security guards. My daughter looked particularly dumbfounded and said afterwards she assumed we’d been caught doing something horrendous and she’d never see me again.

We raced back to the kitchen and while Albert and Thandi started performing miracles assembling canapés and finger snacks from anything they could find in a kitchen all but stripped for the big event, Bheka the driver and I put together the most basic bar in the world from stock left over from previous functions – half a bottle of gin here, a third of whisky there, anything measuring more than four fingers went into the crates. I’d take my own car so I could stop to buy ice and bags of crisps and peanuts en route, and we had a fair assortment of wines, beers and mixers. Last to be packed into the van went the glasses, still steaming from the glass washer.  From the time of the request at the Embassy to the van’s arrival in Market Street was an hour and fourteen minutes – probably record-breaking for us, a very long wait indeed for 60 hungry, thirsty and extremely disgruntled guests.  I arrived first, in the car, and opted to wait outside until the van arrived rather than walk into that angry room carrying only three big bags of ice and some crisps ….

Our welcome was, you can imagine, ferocious.  Finger sandwiches and hastily-garnished crackers were grabbed by the fistful by the starving guests, still-warm egg halves were wolfed down. Olives, cocktail sausages, ham cornets, crisps with dips, even the crudité went as fast as we could put trays out. Thandi got mobbed every time she started out to circulate with a tray of snacks and settled for rushing them out to scattered tables, hotly pursued, then running back to get the next, looking scared. With only two bottle-openers we simply couldn’t open bottles fast enough, but I knew I had more openers in the car – I always carried a Boy Scout backup kit – so left mine with Albert and slipped out to get another. I didn’t bother to dig for it, just grabbed the whole bag. As I rushed back in two huge security guards stopped me and wanted to go through the bag. They agreed to let the bottle openers be handed through to Thandi, who was hopping from foot to foot just inside the door, but wanted to know exactly why I was trying to smuggle in carving and boning knives? Before I could explain, the Presidential cavalcade arrived and I was pushed up against the outside wall by those human Hummers while the party went through. Only when they left again, twenty minutes later – and I could see by the way Bill Clinton was massaging his fingers that he’d shaken hands with Albert and the others – was I released.

The owner said afterwards, quite rightly, we should have refused rather than risk a sub-standard performance, but I’m pretty sure if he’d been there he wouldn’t have refused the US President a personal favour.

I’m not as sure that the President personally rubber-stamped the letters of thanks sent to Albert and me, but I’m still pretty proud of mine.

Home again

In my last blog I was dreading driving a total 800 + miles to spend a few days down South with a ‘crazy dug’ (sic) (Scots say dug) and you know what? She was great. Oh, she groaned a lot, and shifted around a lot, and it was four hours (no, seriously, FOUR HOURS) before she sat down for the first time – but no barking, yelping, or trying to attack passing cars through the windscreen, side windows, and back window.

On the way back she sat down for the first time only two hours into the journey and by the time we bypassed Glasgow she had started taking two-to-three-minute catnaps, so she’s really becoming quite the traveller.  Dear me, though, she is very glad to be home, as you can see in the photo.

wedding dress 020

 

The catnaps were wonderful because she stopped panting and this dog can pant louder and for longer than any dog in the history of travel. Not just hah hah hah hah, either. She manages to add bulldog sounds to it.  Sort of gnhHAH gnhHAH-HAH gnnnggnnnnhhahHAHgnn.  She particularly liked to sit next to the Satnav and pant at it, steaming up the screen, until The Voice icily asked her to desist.  Oh yes. I distinctly heard it.

Turn around, it told her firmly, when possible. So she did.

 

 

Dog days – lazy hazy crazy days of summer travelling with a dog

I’m insane. Potty. A couple of sandwiches short of a picnic. Missing on at least one cylinder. Nuts. A bampot.

I am about to tackle a 400 mile drive with a dog that hates cars. Not my car, she quite likes driving to local parks for walks. She’s good as gold when I leave her in it to do shopping, or pay for petrol. What she really resents is cars coming up alongside, or behind, or in front.  And trucks? She really hates trucks. Not keen on buses. Iffy about motorbikes.

She’s a bulldog, and she weighs twenty kilograms, and if I clip her in to her safety belt harness she hurls herself from side to side and barks, howls, barks, whimpers, barks, whuffles and, don’t know if I mentioned, barks.  If I release the harness – or, more accurately, when she releases herself – she jumps from back seat to passenger seat to back to front to back to front.  Wherever possible she digs her claws into my thigh in passing for good purchase – that’s twenty kilograms behind stubby claws. When we first met we drove from Cornwall to Scotland. She started the trip in a dog carrier but managed to break out after two hours. I kept thinking she would get bored, settle down, sleep – she didn’t. She was absolutely exhausted by the time we got here (fifteen hours, because of all the stops for my head to stop ringing, and to get her back in her harness), and sounding a bit hoarse, but still barking. And jumping.

She has three barks. There’s a yappy bark, which would suit a Jack Russell better than a bulldog, pretty piercing. Drills straight through the head. There’s a bulldog bark, steady, firm, which she can keep up for hours on end. And there’s the Rottweiler snarling bark, which she saves for cars or pedestrians that come into her ‘space’ (anything within ten feet) which startles even me.  Every time.

Oh, I know exactly what you’re thinking. Because she hates kennels, that’s why. She is a rescue dog and there are Real Issues there. She hates dogs, all dogs, and when she was handed into the rescue centre she turned her face to the wall, wouldn’t eat, wouldn’t drink, and apart from occasionally hurling herself passionately against the wire at the sight of another dog, settled into prolonged hunger strike. She was finally coaxed to take a treat by a volunteer, but had to be hand-fed for weeks. Most of her fur fell out with the stress. So if this trip is the disaster I’m fearing, she can expect to starve her way through a kennel stay in future, and with summer coming up, going bald isn’t too much of a problem.

Yes I could pay someone to stay in the house and look after her and the cat, but she’s a bit odd with people. Unpredictable. Hates casual visitors and has to be locked outside for nearly all. Houseguests – she was graciously welcoming to my daughter, who came to stay for a few days, for the first five hours. Then she attacked her, snarling bark and teeth, and bit her so hard through her trainer it left a bruise. Next morning, back to gracious. One reason I’m taking her is to introduce her to the rest of the family, specifically the ones assuming I’m exaggerating or handling her wrong. There’s a really, really good dog whisperer in Scotland, I had to wait weeks for an appointment and he laughed when he saw her and said we’d soon sort out my little dog. She threw a tantrum, flung herself around, then bided her time and bit him.  It’s practically impossible to bite a dog handler who deals with problem dogs all the time, they’re just too quick, but he did stop underestimating her after that.  He did her a power of good, too, but we never covered car manners, which I am now realising is a real oversight.

I asked the vet for dog valium, but they don’t like to give it to bulldogs as there are recorded fatalities due to their very odd breathing arrangements. He gave me an odd look when I said I was prepared to take the chance, and still wouldn’t give me any.

So what I’m really hoping is that when I get back I’ll write another blog saying she was fantastic and we had a wonderful time.  She will be travelling in a thundershirt, with the windows blacked out, her bed sprayed with calming spray, having taken her herbal calming tablet. If you should happen to be on the motorways between Scotland and Berkshire and notice a small white car with steamed up windows and a bulldog with redrimmed bulging eyes, give us a wave. You’ll know it’s us – you’ll hear the snarling rage as you pass.

 

A-Z Challenge – Yes

This was the hardest of the Challenges – most were plotted  a week or more in advance, but I’d updated  Wedding Fever on my blog before the post arrived and finally gave me my Y.

I’ve spontaneously said yes a lot of times in my life when I should have put a lot more thought into my answer.   Some of the questions were frankly rhetorical, some would have had a different answer if I’d only known then what I know now, some have never been regretted.

Do you want a baby brother or sister? Definitely rhetorical.
Want to try a cigarette? Oh, if I had only said no.
May I buy you a drink? Unlike the above, this didn’t lead to a long-term addiction. As a pick-up line, though, it was asked a lot.  Sometimes yes was the wrong answer.
Voulez-vous coucher avec moi?  In retrospect, I could have said yes a few more times to the many variations of that question.  And one yes, with the 20-20 vision of hindsight, should have been a no.
Will you marry me? Three times I said yes .
Do you take this man in holy matrimony? Other huge questions also asked only once – would you move to Scotland for your job?  Would you consider buying instead of renting?

At the start of this month I put my CV back on the market and on Friday the post brought a letter offering me a good job, well paid, with hours that will work well with my part-time life. It has been quite a while since the last time I had this kind of decision to make. All the experience gained over all the years, and it turns out I still have no idea whether this is a big yes, one that will change the rest of my life, or a little yes that will affect a year or two at most.  On balance, though, the ayes have it.

Yes.

A-Z challenge – X-ray disappointment

My A-Z autobiography in this blog switches from the life overview to peering very specifically at a point on my anatomy – my knee. From the time I was nine, I’ve had an interesting knee. Until I was nine it was pretty standard issue – bony, jointed, occasionally scabbed. One day a pony I was riding went under a low branch in a quite deliberate attempt to sweep me from its back – ponies having a fairly unsophisticated sense of humour – and I ducked down, my knee stuck out, and I was impaled briefly on a snag of tree trunk.  Fairly standard stuff for a nine-year-old, and another nice little scab to pick at. Within months, though, it stopped working properly – folding under me at unexpected intervals – and eventually I went into surgery, and emerged several hours later with a refurbished joint, an artificial kneecap, a plaster cast that would be replaced frequently for the next year, and a truly impressive scar. It was one of the first operations of that type ever performed and for a few years I had to resign myself to showing my doctors my knee before whatever ailment had actually brought me into their consulting rooms would be treated.  Time and surgical brilliance moved on and the work done became commonplace, then outdated, and finally forgotten by everyone but me.

About five months ago I tripped over the dog and fell, landing squarely on the bad knee, which made quite a fuss about the whole thing. My doctor sent me for x-rays, as excited about seeing the ancient work as an archaeologist would have been about unearthing an artifact. Guess what?  The artificial one has been almost totally absorbed by natural bone regrowth. The body’s ability to regenerate is apparently virtually limitless and my lasting claim to fame is no more –  still got the scar, though. That’s something.

Yes I know this a boring blog. Considering the general theme is autobiography, and X is quite a challenge, I thought it was at least fractionally more interesting than the x-rays of my teeth, or the time I punched a would-be mugger on the jaw and the hospital nurse insisted I had to open my hand and stretch out my fingers for the x-ray. If I could do that, I tried to explain, I wouldn’t be here for x-rays. Life is a learning curve. Don’t punch bone, whatever the provocation. Don’t ride close to trees. Keep your knees tucked in at all times. And try not to trip over the dog.