11 May 2013, 11:15pm
living intentionally:
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  • The joy of observing the quotidian…

    The philosopher G. I. Gurdjieff was of the opinion that most humans live their lives in a state of hypnotic “waking sleep” 1 ; one of the aims of a life well lived was to snap out of it and wake up. One of the simple joys of being retired is to be a little more aware of the world, to take the time to wonder a little more.

    Perhaps work did that hypnotic sleep thing for me, the routine dulled the senses, it’s still a little bit sad to think of the wasted years of consciousness. Now, even in observing the quotidian, I wonder if I just missed stuff in the real world. Some of the greater awareness almost throws back to childhood times ;)

    I try and do is get out and wander around the immediate area every day, I’m lucky in having a few quiet streets with a rec and a cemetery nearby, places where I can observe Nature going about it’s everyday business. At the moment the walk is livened by the lovely sound of blackbirds in full song.

    Is there always such a profusion of dandelions at this time? Is that just something that happens at this time of year and I never noticed, because I was too busy looking at screens than at the Real World™? How did I miss that for 20 years…

    This is what happens if you don't dig 'em out of the lawn

    This is what happens if you don’t dig ‘em out of the lawn

    I thought of the fellow above whose ‘lawn’ I pass every day, as I dug my own Löwenzähne out of the grass. The German word for dandelion is ‘Lion’s teeth‘ translated literally, a more poetic term. If they didn’t spread like crazy (see above) they’d be attractive flowers in their own right.

    Not so much pushing us daisies as pushing up dandelions

    Not so much pushing us daisies as pushing up dandelions

    They look quite pretty...

    They look quite pretty…

    Gurdjieff was right. How did I miss this minor spectacle for 20 years? If this kind of living on automatic pilot only made me miss this sort of thing then it’s not the end of the world. But drifitng through life means we live by other people’s values, standards and agendas. That isn’t a way to lasting inner peace. Thoreau put it well

    If a man does not keep pace with his companions, perhaps it is because he hears a different drummer. Let him step to the music which he hears, however measured or far away.

    Thoreau, Walden

    Some of those values and agendas are buying stuff because it makes other people richer, not because it delivers inherent value for you. It’s a bittersweet tragedy that working, which enables you to earn more money to buy more Stuff, steals away our consciousness at the same time unless we are unusually vigilant and alert to the distant drummer, and so we spend more of what we earn on Stuff that doesn’t always deliver value for us.

     

    Notes:

    1. I’ve somewhat brutalised his philosophy for the sake of pithiness, more at the Gurdjieff society, Wikipedia,
    18 Apr 2013, 9:37pm
    living intentionally simple living:
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  • Retirement isn’t like a long weekend, or a long vacation

    Something I’ve discovered is that many people who have been working for some time find it hard to imagine what life is without work, and occasionally fear the void. I’m not talking about someone who has found their vocation and genuinely enjoyed most of it. I observe that most often in the self-employed at the entrepreneurial end of things, be that in DW at The Oak Tree Farm, or the driven creative entrepreneur, or hell, even Diamond Geezer Bob ex of Barclays ;) . That’s fine – but some of the rest of us wage slaves occasionally look at our lives, look at the bits that aren’t work (weekends, vacations) and subtract work to think ‘is that all there is’? with a little shiver down the spine at an imagine life of long weekends and extended vacations. For some, it seems to lack meaning and purpose.

    It isn’t how it will be, but it’s an understandable mistake. When you have retired, life is not like one long weekend, or even a long vacation. Yes, the weekends are less different to the working week, obviously, but therein lies the clue. For people working 5 days a week, the two-day weekend is a brief respite, a chance to recharge the batteries, to take a break. You don’t need to do that when you have control of your own time, so your weekends are different! it still staggers me how I became almost zombified as energy drained, whole swathes of weeks merged into grey blocks of time compared to the kaleidoscope of variety. Don’t get me wrong, there was much more busyness then, but the ancient Greeks identified the problem with their concepts of Kairos and Chronos. You must live time, not just watch the hands sweep over the face of the clock. That means paying attention and doing things with respect.

    Retirees still have to take some regard of the weekends, of course, because meeting up with others who are working is usually easier. Just as steam gives way to sail you need to respect other people’s time pressures. Nevertheless, life retired isn’t one long weekend, because there’s no need to decompress from the stress of work or to pack all the stuff into the two days that you couldn’t do in the other five days. It’s hard to say exactly how that is different, but it is – it is much more relaxed and more fun. Your weekends are no longer the bassline to the strident demands of work, they are part of a greater harmony.

    It’s not one long vacation, either. Unless you’re very rich ;) Even if you are, ask yourself whether an endless vacation isn’t perhaps the grown-up version of the kid who only wants to eat ice cream all the time. A life well lived has dynamic contrast, moving between different poles. A lot of your vacations while working are expensive because you are packing in a lot of stuff to make it as different from work as you can. You are usually time-constrained, too. I can’t really put this much better than GOP from this comment:

    One change since I retired relates to travel. I used to go on far-flung holidays ranging from Bolivia to Bhutan which I thoroughly enjoyed but which also satisfied a need to get as far away from work as possible in every sense. Since retiring, although I can still afford to do it and my partner would be happy to let me, the need has somehow gone and I’m content with more local travel which, preferably, does not involve flying.

    Now I am somewhat constrained at the moment in that I have no income, so I’m not going to spend large amounts on travel right now, but that won’t last forever. I still feel similarly to GOP – I travelled reasonably well with work when I was a single man and had a penchant for trying to take longer but travelling overland. Most of the time I love my fellow humans but that doesn’t extend to seeing them milling around in airports, or pretty much anywhere where a whole load of people have to line up all in one place. MMM may have put his finger on the problem with a Peak life is lived Off-Peak.

    One of the key Principles of Mustachianism is that any and all lineups, queues, and other sardine-like collections of humans must be viewed with the squinty eyes of skepticism. Because if so many people simultaneously decide to do something that they are forced to stand or drive in a queue to do it, there’s a good chance it is something that is not worth doing.

    He’s got a point. Don’t travel at the same times as the rest of humanity if you can. Sometimes that means don’t travel at all ;) Often it’s as simple as travelling midweek, sometimes it means travelling at night. Similarly if you have to queue to buy something, it’s probably a carefully orchestrated shortage (think anything made by Apple, Christmas toys where the supply, marketing and demand are carefully managed to engineer a shortage and pester power that keeps sales up well after Christmas).

    Food. Overpriced and aspiration next to overpriced and junky. I'll pass on that, thanks all the same

    Food. Aspirational but dearer than if you made it at home and brought it to work

    Your life will change post-retirement. When you’re working more than half your time is owned by someone else, and in a hard twist that means you often have to pay other people to do things for you because you don’t have the time, be that Starbucks to get you coffee, some deli in London because you didn’t make sandwiches or calling in a plumber because you don’t have the time to fix the problem yourself or understand and learn what needs doing.

    The other thing, for which I have to thank GOP for introducing me to, is Herbert Marcuse, and his critique of capitalism, which is even more true now than when he wrote it :

    The people recognize themselves in their commodities; they find their soul in their automobile, hi-fi set, split-level home, kitchen equipment,” meaning that under capitalism (in consumer society) humans become extensions of the commodities that they buy, thus making commodities extensions of people’s minds and bodies.

    You are not what you buy or use. Your soul is to be found in the space between your ears, in the web of life with other sentient beings, in your love of life, and of others. It has no barcode; there is none other like it. Never lose sight of that in the mesmerising maelstrom of marketing messages. Thoreau had some point when he said

    “A man is rich in proportion to the number of things which he can afford to let alone.”

    For a more direct dissection Jacob ERE gives it to us straight between the eyes with both barrels.

    In general, if you ask the average consumer what enjoying life is all about, it distills to the following trifecta: buying tickets, going to restaurants, and shopping.

    That’s it. Those three things are all there is to enjoying life. The uninformed opinion is that if you don’t have these these three things in your life, your life sucks. I know, because that’s what I used to think. And it’s also what consumers keep bringing up.

    Gulp. The Ermine has been known to darken the door of a restaurant occasionally ;)

    It is a little over three years since I started this blog. The first real transmission was this one. It’s hard to picture your life retired when working – I found even the financial issues hard to envisage and they are among the more tractable and quantifiable changes. Nobody bangs the drum for things after the change – because nobody has the experience of being retired before they are retired ;) Looking at that post, it was quite prescient. Illich had a point when he said choose a life of action. I spend more on tools and things to investigate stuff and make things happen. I don’t spend money on DVDs and video games. I’m fiddling about with finding out how to post a graph of the temperature of some chickens, and a polytunnel on Cosm. Because it’s a challenge. The secret to retirement is to be curious. Become like a child, always ask the question why.

    1304_flowers_P1040805

    I took a rotten shot of some flowers I passed because I’ve seen them before, and I figure it’s time I knew enough about my world to know what they are called. It’s one of the things that the gift of time gives you – you don’t have to live life on autopilot any more. Take joy in the quotidian as well as the unusual. I hear the song of the blackbirds slowly becoming more accomplished as time goes on. I learned about how to use json for data interchange.

    It was easier for me to not fear the void, because my work experience had deteriorated, and I was seriously stressed, not by what I was doing but by the stupidity of the system. In life you should generally try to run towards the light rather than away from the darkness. But sometimes it simplifies things. For someone who doesn’t have serious issues at work, there is much to be said for taking some time. I can’t recommend highly enough scaling down your expenditure to match what you expect to retire on, and do that for a year at least. The decision to retire, and if so to retire early, is one that is important, though not urgent. You have to make time to consider it. I was seriously motivated to retire early, but it still took me three years to get to the right point for me. The delay wasn’t for the want of trying to convince myself I could do it earlier.  And you have to be prepared to take some leap of faith, because you have no clear idea of what it will be like. Sometimes in life it is good enough to do the best you can with what you have to hand ;)

    It won’t be an endless weekend, or even an extra long vacation. Like sculpting anything, crafting a good life free of ‘work’ is a matter of having a general idea in your mind’s eye, and then taking the first steps. It won’t turn out exactly like the mental picture, and that’s fine. It won’t solve all your problems either, because remember that every place you go, still yourself you see in the mirror, and it is still your shadow that the lamp throws on the wall. Issues that lie within will retire with you. You may have more time to ruminate on how to work on them, but you won’t leave them behind as you hand in your mobile phone, computer and access card. Possibly for the first time you will be in charge of most of your time. Carpe diem – and may it serve you well.

    I spent a lot of time thinking about the money aspects of retirement. I overshot somewhat – I don’t spend now as much as I’d get if I drew my pension early right now. Getting the money straight is a prerequisite, and I would urge anybody thinking of retiring early to inform themselves about the financial aspects of retirement as much as they could. But money isn’t the whole story.

    Finance is necessary to crafting a decent retirement. But it isn’t sufficient. Your setting is just as important – who you will spend your time with, where you are, who is in your life, what your connections with the wider community is. Early retirees have some extra challenges in this area (most of their current social circle will probably be still at work) but they have other advantages unique to them too. They are younger, and probably more adaptable too. In the end I only retired eight years early, so I am not that unusual, compared to, say, Retirement Investing Today or Mr Money Mustache. There is a big difference in retiring in your early forties compared to early fifties. While the principles are the same – basically spend less than you earn, the scale is very different.

     

     

    14 Apr 2013, 11:01pm
    living intentionally rant:
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  • Why is everything Apple so easy and so hard at the same time?

    Note this post is a random musing of an ermine poking an inquisitive snout into a wrinkle of the world that interested him. Nothing made by Apple can ever be described as frugal, there’s no personal finance angle and it’s definitely not simple living ;)

    The Ermine has avoided everything to do with Apple in life so far. I didn’t own any Apple hardware, don’t own AAPL stock, never understood the fandom. It all started badly when I began work at The Firm – everyone in the office used the little squiffy mac classic/plus computers to write reports, and there was an Apple Laserwriter laser printer.

    A Mac classic. Nasty little things, where the obvious way to shut theb uggers down is - wait for it- drag the floppy disk into the trash icon. Obvious, innit. Stupid human for thinking this neans "Computer - erase all my shit, NOW."

    Mac classic

    Much was made of the intuitive nature of the Mac, compared to the arcane command line of the PC. I didn’t find it intuitive at all. F’rinstance how d’you turn one of these off? The obvious way to shut the bugger down is – wait for it- drag the floppy disk into the trash icon. Obvious, innit? Stupid human for thinking this means “Computer – erase all my shit, NOW.”

    Unfortunately at that time you couldn’t do anything useful with a Mac as an engineer, y’know, like run circuit simulation software or the like. I had a great big 286 PC that could do this. I was able, via the Appletalk network and a shockingly expensive PC Appletalk card, to copy the output of a SPICE circuit simulation file to the office LaserWriter. I shouldn’t be too hard on Apple about the cost, this was in the late 1980s, where Novell Netware ran a piece of software on their servers for the sole purpose of counting up the number of connected network cards and kicking people off if there were more simultanous users than there were network connection licenses. Cheeky blighters. TCP/IP and the Internet came along just in time to save us from this sort of rent-seeking usury, Apple at least just collected their rent from the high cost of the network cards. However, Apple never allowed me to me print that document, because if I wasn’t in the Apple ecosystem I was Unworthy to touch their printer. I was able to get the file onto the printer, but without some sort of fork file to attach the file to something to make it do something I was stuffed.

    Every so often one of these macs would have a hissy fit and the EHT would start to flash over. We’d take it into the lab and pull it apart. We were electronics engineers, don’t try this at home. You could usually get it going again by pulling off the anode cap 1 and getting some isopropyl alcohol and cleaning round it. It was then that I was exposed to my first experience of fanboidom. Everyone crowded round to observe the most vainglorious piece of narcissistic codswallop I have seen in any piece of gear. Apple thought they were so Really Great they inscribed the signatures of the design team in the plastic moulding of the inside of the case, and everyone cooed about how marvellous this was. It was all I could do not to chunder in the wastepaper bin.

    I ended up with a deep dislike for everything Apple ever since :) When I buy a piece of equipment I own the damn thing, not the manufacturer, and this seems to be a simple fact that the Apple corporation doesn’t get. What else does a printer expect to do when it receives a PostScript file other than print it, FFS? HP got this, but Apple specifically made their printers slightly nonstandard so they would only work with Apple kit. When you buy a piece of Apple hardware, you get to check in your balls with Apple. You do it their way, or you feel the squeeze…

    So how do people use smartphone screens then?

    Fast forward 25 years, I have no smartphone. It was a struggle for me to imagine how people use any sort of website on a poxy little two inch wide screen, and in portrait mode. And I needed to understand this, else I would be authoring stuff that would really hack my users off, and in the end the user is always right, even if they’re mad as a bag of spanners. So the Ermine was in the market for an iPod touch, which does most of the things a smartphone does, but using wifi, so without tying me into a phone contract and feel the squeeze of a different corporation on my parts – the Ownership of my bank account via a mobile phone contract for the next three years.

    Now I have to say that the experience of unboxing the device, sparking it up and connecting to my wifi network was the best ever user experience of connecting a piece of computer kit I’ve ever had. The various programs look nice and run well. Since this is the Apple universe you get to call programs Apps, and they tend to be single-function. I was quickly able to run up the browser and learn what I needed to learn about the website design – and that my use of a folding CSS structure did indeed sort of track iPod and presumably smartphone screens. Thank you Skeleton CSS for doing the grunt work and saving my ass while I was authoring blind ;)

    And I discovered I was getting old :( I had lost my last pair of glasses so I was slumming it with the pair from before, on an old prescription from 10 years ago. But the iPod scales websites down if they are too wide for the screen. As you get older the short focus of your eyes drifts out. Mine was different in each eye, and I could not read the roughly 4pt text with both eyes unless I held the device so it was too far away to read. So I either read it with one eye and get a splitting headache, or do without. Getting this machine has cost me about £400 so far – £160 for the iPod and the rest because I have to accept I need varifocals and reading glasses. In the optician at least I was able to read the smallest grade of text so I will be able to read the iPod rendered website and develop with it. I can’t blame this on Apple ;)

    This is the bees knees for the job I bought it for. I can see how stuff looks like on a smartphone like screen, I now know why I get headaches using the computer and what to do to fix this, and the iPod fires up in a couple of seconds so it’s easy to see the weather, email and stuff like that. The share price screen even works well, though I was reminded of the original vainglorious streak when I see the first example stock is AAPL. The iPod doesn’t owe me anything now – I was able to finish the job and the project has already earned me more revenue than the capital cost of the iPod. And I understand how teenagers can use the web on a small screen, because the screen has a finer dot-per-inch resolution that a regular computer screen. Although the total number of picture elements is still larger on a laptop or desktop, the iPod screen picture elements are closer together, so the loss of quality isn’t as much as I had expected from the smaller physical screen size. But you do have to be under 35, or equally short-sighted in both eyes if older, to be able to see the screen well enough to use that resolution without visual aids, and you’d look kinda daft on the bus looking at your smartphone with a magnifying glass!

    How to you use this thing for music then?

    Then I thought I’d try and put music on it. This, apparently, is the primary purpose of an iPod after all, though I didn’t buy it for that reason. Now I have it, I may as well use it ;)

    First, some background. I’ve loved music over the years, and it is one of the pleasure I used to have in life. I never used portable music players in a big way – with a car commute of 20 minutes each way there’s no need. I don’t have the death-wish of cycling plugging up my ears and losing situational awareness. Call me chicken-hearted, but I like to know if a great big truck is coming up behind me, even in rural Suffolk.

    a detour into hearing

    As a result the ermine is still capable of hearing up to about 12kHz though I have to be careful to use hearing protection with power tools. The mammalian ear is strangely and poorly designed in that there is a mechanical amplifier inside. The ossicles couple the high impedance of the air to the low impedance of the fluid-filled works inside the snail-shaped cochlea, using three bones to the eardrum. Then you get to the outer hair cells, which act as chemically powered-mechanical amplifiers, they do not send signals to the brain. This cochlear amplifer is the damnedest way of getting amplification and very susceptible to damage from loud sounds, but this preamplifer gives the ear remarkable sensitivity if working right. Then you get to the inner hair cells, which occupy a tapered shape, resonating at the input end for high frequencies and further in for low frequencies, acting as a coarse spectrum analyser. As you get older you lose some of the ability to adjust tension in the eardrum and the ossicles which reduces the damaging effects of loud sounds, so you need to be  more careful to avoid exposure to excessively loud sounds from 40 onwards.  ‘Cos otherwise you start to trash the hairy preamplifier, and you get to know about that eventually, because it has a stupendous amount of amplification- about 50dB or 100,000 times power gain. Lose or seriously damage that and you are deaf as a post. Young’uns should note that you’re not immune to the damage, it just takes a little more loudness to do it. From what I hear on the Tube and on the street, some of you are doing fine wrecking that sucker. Please, for God’s sake read this and take the test. If you are below 40 and it indicates any problem whatsoever then you may want to re-evaluate your relationship to music. I am well over 40 and do fine on the test, and there are a lot more miles on the clock in my case.

    Music isn’t particularly a threat to my hearing as when I listen there is a convenient device called a volume control, and I don’t go to that many live concerts. I stopped using portable audio devices on planes  (then called a Walkman not an iPod :) ) after I got off a LHR to LAX flight and fired up the walkman in the hotel room, to be greeted by a hellaciously loud volume I’d never normally listen at. A jet plane is a stupendously loud environment already, running at 80-85dBA 2, there’s no real headroom to make any music heard safely above the engine roar unless you are using noise cancelling headphones. 80dBA is considered the danger level so you don’t want to add too much more noise to your ears inside a plane.

    Using tools and transportation which is probably my main noise risk. I use hearing protection even for things like hammering, now, and definitely for any use of power tools. I may look like a jerk, but so what. There’s not much more I can say to the young, but it saddens me when I walk on one side of the street and can hear what track someone is playing on the other side of the street from their earbuds. There is no cure for deafness, and if you are young now and start to lose your hearing before my age you are likely to spend half your life in a silent world cut off from the rest of humanity’s preferred way to communication. My Dad once worked in a glass bottling factory and was very hard of hearing towards the end of his life. It was no fun at all for him.

    back to music

    1304_1940_family_radioI grew up with actually sitting down to listen to music. Yeah, I know it sounds kinda funny now, like a family gathering round the wireless to listen to the news on the Home service. Part of this was determined by the media of the day – record players were never portable in any useful way, and I’d have never played mine on anything crappy. Each time you play a record, a little piece of it dies, and the capital cost of the record collection was by far the greatest investment in audio entertainment, even for a hi-fi nut, so I didn’t take risks.

    Cassette tapes were noisy, unclear and all round ghastly, and I was unlucky enough to be oversensitive to speed instability. I was eventually reasonably happy with CDs, and more recently have moved to a Slimserver (now Logitech) media server and streaming players, playing losslessly compressed data from the CDs (ie the player gets exactly the same digital data as was on the CD). All of these work entirely within my four walls. I don’t do Cloud anything, for the simple reason that I hate third-party dependency for anything I put effort into. Cloud is fine for something you don’t need, or only need for a few weeks, and you don’t put any effort into. My music collection has been with me for thirty years and I’d like to hang on to it…

    Getting CDs into a digital music library is something that costs a lot of effort, leastways if you start off with a few hundred CDs. Transferring my CDs was a project that took me two years using multiple PCs and CD drives, sometimes running EAC on two drives at once, ripping the CDs to lossless FLAC and Cue files, which the SlimDevices/Logitech kit can play. It’s a long, tedious and soulless job ripping CDs. You only ever want to do that once, though I had to do it one-and-a-half times because I discovered why you should not split CD albums into tracks as soon as I ran into my first live album, and reinforced again when I ran into my first classical album. It’s a bastard when you get a gap between the first and second movements of a symphony that wasn’t there on the CD, or the applause hiccups between tracks on a live CD.

    And then work went bad and other things went wrong. In a twist of fate something that had given me joy for decades came to hold no meaning for me, and there is a gap of about three years when I bought no CDs and listened to hardly anything at all, and even that with jaded perception. Although I love the idea encapsulated in Miranda Sawyer’s lovely Observer article about the power of music to score our lives, and lift spirits in adversity I didn’t find the same. Until the spell was broken earlier this year, and the music came back to life.

    Now in trying to sort this out I discover much has changed in the three year intercession. Some people actually pay for digital downloads. When it comes to information I don’t pay for what I can’t touch, and in many cases the CD is actually cheaper these days if you take it secondhand, but yes, you do need to wait for it in the post. It seems there is some unholy digital download battle between Apple/iTunes AAC and the rest, led by Amazon MP3, with cloud streaming systems like Spotify throwing in a wildcard. I don’t want any of that shit. I grew up with a standalone audio system depending on only power and what’s within my four walls. Sometimes I am going to run a party in a field with no phone service or mains electricity. No Cloud service, no tunes.

    I managed to use the iPod without trouble for everything but music. When it comes to music, there seems to be a world of hurt in store for me, because I am not a new-born come to Apple to sort my life out. I have a perfectly good existing  digital music collection, held in a free open source losslessly compressed form specifically because I don’t want any company to be able to control my usage or suddenly render my collection useless. It seems the way you are meant to get music onto an iPod, iTunes, wants to control me 100%. It wants to say how and when I can listen to my own music, and how and where I can move it. I’m not having that at all. I didn’t rent this iPod, I bought the damn thing, and  I want to use my existing music collection without handing over the keys, so iTunes is right out. I’m happy to accept compression on a portable, but not the lock-in, and as for saying what I can or can’t do with my own data, sod that for a laugh. I say what I can do in my own four walls, not Apple.

    How to get music onto an iPod without installing iTunes

    I did finally crack how to do this, without installing the infernal iTunes. I have a desktop computer with a load of electronics software, kept on XP which I have to use for ripping CDs because EAC doesn’t work on Windows 7. The last time I installed iTunes on this XP machine it installed half the contents of Steve Jobs’ control-freakery ecosystem without having the decency to ask if that really was what I meant to do. Not just iTunes but bonjour which confused the hell out of my existing streaming system, Quicktime, Apple updating service, the lot. Not an exercise I wanted to repeat.

    Because I still think in terms of albums and not tracks, I use foobar2000 to split the CD image files into tracks and convert to MP3 for the iPod, which, though proprietary is at least a widely supported standard. Somehow foobar2000 was smart enough to tell the MP3 files that they are part of an album and tell them the track number, and the iPod is bright enough to take note of this and present me the music in terms of albums again. I used CopyTrans to do the job of shifting the MP3s to the iPod. Foobar2000 can also embed the cover art, which helps brighten up the selection process on the iPod somewhat. Both programs are free though only one is open source.

    CopyTrans had to download iTunes and use some part of the guts of it, but other than that I have snatched control of my own hardware back from Apple, without making the Beast angry by jailbreaking it. It kinda scared the hell out of me when I pressed play without headphones to hear a truly nasty tinny rendition of the track sodcasted to me from the internal speakers. It’s funny to think that forty years of technological innovation has brought us a poorer portable loudspeaker reproduction quality that the first transistor radio I ever owned, because at the portable level it’s all about the size of the enclosure that baffles the out-of-phase back output of the speaker. This was nasty, tinny, distorted and unclear. It was fine when I jacked in my headphones. I’m still not sure I have the clarity/resolution of playing back on my hi-fi, but it’s entirely fit for purpose as a portable ;)

    Apple products are great and easy to use as long as you are prepared to stay in the walled garden. Do as the nice man says and use the Apple ecosystem in the way prescribed, which in my case presumably would mean paying for several hundred CDs from the Apple store again or losing another two years of my life to ripping them into a compressed format that is locked to one PC and one iPod. And it will all work a treat, in general attractively, smoothly and without serious problems apart from the hurt to your wallet. That’s the easy part of the Apple universe.

    If I’d wanted a portable music player as such, I should probably have got anything other than Apple, where you can simply dump the MP3s onto the player as a mounted mass storage device, and the player sorts it all out. However, I needed to understand the smartdevice and Apple world and this the iPod has done for me. I do like some of the one-task programs, the share prices, the weather app and, to be honest, the music player itself with the cover art. So I can accept the hoops I have to jump through to make this device work with my existing digital music library. However, it’s another example of how Apple makes life hard for free-thinking customers. I’m not particularly tempted to buy an iPad after this experience if and when my existing laptop cashes in its chips. That’s the hard part of Apple.

    I was left with a greater admiration for Apples’ craftiness and the quality of their customer experience. And a greater dislike for the company at the same time for trying to turn an Ermine into a consumer zombie. A lot of the developments in computing, information technology and telecoms at the moment are trending towards making us good little consumers who don’t have any control or creative output. You can’t write code or write books or articles on a tablet computer 3, an iPod or a Kindle, but they’re great for consuming the work of others. We are all consumers now, it seems, and soon the act of creating content, which was democratized by the general-purpose personal computer in the 1980s, will be professionalised and locked down again, by the simple act of not allowing the user to install non-approved programs ;)

     

    Notes:

    1. really don’t do this at home. You have to short the CRT to ground after removing the cap, but dielectric absorption means the some of the charge on the CRT comes back while you’re not looking, ready to give the unwary a shock ;)
    2. Passenger noise environments of enclosed transportation systems, US Office of noise abatement and control
    3. not fundamentally impossible, but without a real keyboard your productivity sucks
    29 Mar 2013, 7:56pm
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  • So how did this early retirement lark work out in the end

    It’s coming up to about nine months since I retired about eight years early from work – that’s eight years than the normal retirement age for The Firm. Truth be told, I retired for negative reasons rather than positive, but I’m not going to go on about those particularly. Because people just don’t bang the drum for the positive things that happen when you are retired. Like everybody else, I assumed it was all about the money. That’s everybody’s greatest fear. What you don’t hear about is the multiplicity of little things that all add up to a far better experience of life.

    I caution that to make these work for you, you must eliminate debt, and that means all debt. Yes, your mortgage too 1, and that means doing without a lot of consumables while working, and probably having a reasonable amount of luck at times. You don’t borrow money from a bank, you borrow it from your future self, and if your future self will have less income than your current self, it makes no sense to be in debt.

    So what does life retired look like? It’s all about owning your own time. It was given you as your birthright but was taken away from you early in life. Somebody said to me that time is the ultimate consumer good. He has a point, though I had to live it to know it, and also to have enough time to crawl from the wreckage of my curtailed career.

    Owning your own time is delightful – you have the choice of what to do and when to do it. Before retiring it pays to prepare your human setting too, who will you know and spend time with, and that’s worth giving some thought to that before you retire. It’s particularly important for early retirees because a lot of their existing friends and acquaintances will still be working, some people I knew who retired even earlier than I did felt lonely, particularly those that retired in their mid forties, and I learned from their experiences – these were typically single guys, it took me longer than for them. Give thought to how you will maintain and develop your human connections, because as you get older it is Who is in your life that matters, not so much What is in your life.

    The upside – my skin looks better and younger, the bags under the eyes fade, I slowly lose some of the weight that accumulated over my years behind a desk and in the lab. I walk more and bike more. I hear the birdsong, if there’s a good blackbird I will sit and listen to him for a while. I sit down for meals at a table rather than scoffing overpriced sarnies at my desk, I have more time to spend with the people I care about, I can read books, I can build things, learn how do use woodworking tools better, enjoy the company of people more, listen to people better, learn more, play more.

    I watch less TV than I did while working. I tolerate no ads – I use ad-block plus on the Internet and less TV cans that at source, on the occasions I do watch TV I use a PVR and fast forward over the ads. If I have a requirement that may need buying something I use google – I buy things on my own terms, not because somebody is creating a desire in my head for shit I don’t need. I don’t buy anything on impulse, I wait at least a couple of days to see if the want is really a want. But if it is, and it fits my values, I buy it. If an offer has gone and I need to pay 10% more, so be it, that’s the price of living on my own terms and agenda. I don’t piss about with low-rent stuff like quidco and cashback, I have three credit cards but if I use them I pay them off in full. I’ll never get another credit card because I have no wage income, just investment income so I presumably look like a deadbeat living under railway arches on a credit check. Do I care? No – if the existing cards kick me off then I’ll pay by debit card or by cash, because I Don’t. Borrow. Money. ever since discharging my mortgage.

    I can’t recommend early retirement enough. But you do need to be prepared to make the ‘sacrifice’ of living on less. I surrendered eight years of income when I retired, if you add all that up it’s a lot of money. I was happy to pay the opportunity cost, because that’s also eight years of life I’ll never live again. For me that was the right call – indeed perhaps I should have looked ahead and done it earlier.

    Early retirement means I have less Stuff in my life. But I have more joy. Early retirees needs to speak up for it, because where are the ads on TV for Earn Less and Buy Less but Live More? We in Britain are so much richer now than we were thirty years ago, when I started my working life, I heard an estimation on the radio we have about twice as much disposable income as people had then. Stuff rather than Time seems to have got the thick end of our extra income. I am in my early fifties – the London I grew up in used coal fires and many houses had no central heating, some still had outside toilets. Cold and damp and the associated aches and pains were prevalent in the adults, so when I hear the Joseph Roundtree Foundation talk in terms of needing Sky TV to take an active part in society I wonder if perspective hasn’t been lost. We really have so much now. Ivan Illich called it out well in Tools for Conviviality in 1972. We are so much richer now than we were then, but are we any wealthier, I wonder? You are wealthy when more money wouldn’t massively change where you live, and how you live…

    For each of us the sands are running through the hourglass, one day at a time. Making the call on as to where you place the balance between More Stuff and More Life is one of those things that is Important but not Urgent, so it always goes to the back of the to-do list. It’s worth dusting that question off and taking the time out to work through the options. You can measure more Stuff, and you can measure More Money. You can’t measure More Life. And I’ll stick my neck out and say Tom Peters was absolutely full of shit when he said you get what you measure. It works a peach in business, maybe. But in Life, it causes you to prioritise the measurable, the ‘how big is my…’ insert KPI here. And yet, when people look back on their life at the end of it, it is often the immeasurables – seeing their children grow up, and who they spent time with – or didn’t’ spend enough time with. The days are long, but the years are short. Though it’s schmaltzy in a uniquely American way, Gretchen Rubin nailed it. Don’t forget to live in the moment, because those moments are precious and they are running out.

    My eventual projected annual expenditure is about a fifth of what I was being paid at The Firm, and I have a better quality of life – because I determine what a day looks like. There are other things that are odd about being retired. I have deliberately and intentionally avoided the whole work issue. I toyed with claiming JSA but figured a) I’m not looking for work and b) the stress of wanting to lamp some pipsqueak in the Jobcentre wasn’t worth the £1500 that six month’s contributions based JSA is worth, particularly as I’d have to pay tax on it.

    Managing personal finances after work is enormously different to when you are working. While working, my income was single valued and knowable. Now, it comes from multiple volatile and erratic streams. I have the ISA income, which I reinvest. A similar sized lump of non-ISA shareholdings, that I have to capital gains spring and shift to the ISA over the years. And then cash holdings. These are horrendously different from what they were when I was working. What you must not do, when you retire early is to look at these accounts, and go Wow, I am rich. It is the lottery winner’s curse – most people have been used to a regular income and virtually zero savings all their working lives. So suddenly when it’s all savings and no income they see Big Numbers in their bank accounts and think they are rich, and lose their heads.

    They’re not rich. Capital is worth about 5% as income, so divide all those numbers mentally by 20, high-roller. So unless you have half a million in the bank, then you aren’t even going to be living on the UK average wage. I don’t have anywhere near that much in the bank, BTW, though I don’t have the parasitic housing costs most people have because I paid down my mortgage. And if you do have half a million pounds in the bank then you need to remember what happened to the good people of Cyprus recently, and make sure you don’t have it all in one place, because you will probably be called upon to help with the national debt at some stage.

    When I left work, I started to see those big numbers, and it is hard to explain just how scary and unreal they seem. I froze, and tried to keep the headline networth figure from falling. I’ve never worried about networth before, indeed there is no figure for house networth in my accounts, whereas this evanescent figure seems to be all that my fellow-Brits seem to concern themselves with. Maintaining networth was not the design aim of the plan, but there is a visceral aspect to money. All of a sudden I see strange numbers, and the power is cut, there is not steady income. The analytical solution I had designed over the preceding years was correct, but I found it hard to live it at first, to surrender a little bit of networth each month, in a long glide path for about three years. Even at the planned rate of descent, I would have half the nominal value of the capital, though more would be in ISAs by then.

    I consider myself a reasonably hardened investor. I flew into the 2009 storm, in both AVCs and ISA savings. I’ve seen individual stocks plunge by over half, and recover, first on a total return basis and then on a nominal basis. But I quailed when faced with living a plan I had designed and was going slightly better than planned, because it was so alien to my experience of handling money. Don’t underestimate that effect of losing an income, even if you amass large amounts of capital compared to your mortgage-paying wage-slave life. Perhaps I was overly irrational etc, but I believe that it is not possible to be successful and totally rational about money. It is crystallised human work, a claim on other people’s effort. I must be involved to animate the plan and couple intention with action. And it still took me months to overcome the resistance to doing what I had planned myself ;)

    I recently discovered I have been working without knowing about it, fortunately in time to stop getting paid before the tax year ends ;) In times gone by I was interested in sound recording, and made a few field recordings which I added to a microstock agency. I’m not talented enough as a photographer or a recordist to make headway in that sort of this as Ermine photography. But microstock works for me – I don’t have to deal with people or rights and all that, the agency sorts that for me. The downside, of course, is you expect to make the price of a couple of pints of beer on it, or maybe a decent meal out.

    I haven’t bothered to track any of this for a while. It appears that these firms are making me significant money, and I also have a few website estates that bring in a fair amount of Adsense revenue (this isn’t one of them ;) ). I have told all these guys to hold payment till mid April to forestall creeping over the personal allowance this year. It is, however, very sobering to find that this stuff, which I had forgotten about, is actually making me about the same amount of income as my ISA, which has received by far the greatest part of my attention. My field recording equipment lies on a shelf covered in dust now, because the river of creativity dried for a few years as I focused all energy on getting out of The Firm.

    I had a strange experience a few  weeks ago, I travelled to London to listen to a concert by a singer whose records once kept the thin thread of the young ermine’s fire alive through a long night until the break of dawn during a difficult time at university. The past is a foreign country – thirty years ago there were no mobile phones, indeed without phones at all in the typical sort of crummy bedsits I rented them. If you passed midnight then you had to reach the break of day before assistance could be raised if you couldn’t haul your ass up the stairs and into the cold city night with no Tube service.

    As I heard the song once again it resonated across the years and changed something. In reminding me of that turning point it invoked another and the dead hand that jammed the creative centre unblocked, and the spark flickered into life once again.

    For several years I fell back and fell back, trying to save enough money to derisk the financial issues. I had saved enough money – I still have no pension income, and my run rate is a little bit lower than originally designed. But I also focused a lot of effort on trying to understand the financial conundrum of how to make money out of money. That was reasonable, because towards the end of working for the Firm, the flame of creativity flickered and failed. The accumulated financial capital was all the resources I could count on, because my human capital had fallen to zero – without the creative spark I could not drive things forward. I would look at code and it would all swim before my eyes and have no relation to other bits, my photographs were technically okay but pedestrian. I would hear things that once meant something to me and they did not lift my spirits. It was too easy for projects to end up as half a page of scribbled lines or half a circuit board and nothing else. I’m not going to sell my time to another employer – I am too old to be employed at a level that would meet what I would charge for my time. That means I would have to create value, and doing that without a creative spark just doesn’t happen.

    However, when I discover that two lots of legacy activities are now passively earning me more return than my multi-year and reasonably well performing ISA is then it begs the question on whether I have the focus right for the me now as opposed to the me 12 months ago. Money is not the only way to buy passive income, and the tragedy is you can only buy about £500 worth p.a. of tax-free income in an ISA every year. And obviously it costs you 10 grand a go, though this is ideally not a sunk cost. I can probably beat that income without breaking a sweat with a bit of improvement ot the website and some recordings. I could blow the dust of my Sound Devices 702 field recorder and Sennheiser microphones and get out in the field are record interesting sounds. I think people use the sounds in video games, I haven’t played video games since the 1980s but I got a book out of the library to see how people master audio for games when I discovered this.

    I don’t miss work. One little bit. I don’t miss the Calvinist sense of purpose or all that sort of garbage. I have no time for the ‘find the work you love’ brigade. I’m with the Mexican fisherman. That isn’t to say that I spend my days lying in bed – the world has plenty of wrinkles enough to keep an inquisitive Ermine’s mind entertained.

    There is the lovely story of the flight of the sparrow through the mead hall by the Venerable Bede’s Ecclesiastical History of the English People

    the present life of man upon earth, O King, seems to me in comparison with that time which is unknown to us like the swift flight of a sparrow through mead-hall where you sit at supper in winter, with your Ealdormen and thanes, while the fire blazes in the midst and the hall is warmed, but the wintry storms of rain or snow are raging abroad.

    The sparrow, flying in at one door and immediately out at another, whilst he is within, is safe from the wintry tempest, but after a short space of fair weather, he immediately vanishes out of your sight, passing from winter to winter again. So this life of man appears for a little while, but of what is to follow or what went before we know nothing at all. If, therefore, this new doctrine tells us something more certain, it seems justly to be followed in our kingdom.

    Work is somehow like an inverse of that – the young sparrow starts in childhood from the warmth of the mead hall, then enters the life of work, where he battles the wintry storms of other people having control of his time and purpose, until perhaps later on he re-enters the warmth of the mead hall, in control of his own resources and destiny, perhaps for the first time.

    I didn’t particularly dislike work for the vast majority of my working life. But work isn’t what life is about. It’s a means to an end. It’s far too easy to lose sight of that, on the long journey through the wintry tunnel of work, and it’s too easy to build must-haves into life to compensate for the long winter. But the tragedy is that these must-haves – the extra house square-footage, the chichi holidays and city breaks, they all add up. And so you can find that your winter holds no spring, and the sparrow must fly onwards till he falls out of the sky.

    Work. It’s overrated compared to Life IMO… Each to their own, but I hear a lot of grumbling about work. And for sure, I’ve done my fair share of grumbling too, but at least in the end I took the fight to the enemy. It’s not all all about the money. It’s also about the time. You can save money, sort of. You can spend less of it. But you can’t save time – try spending less than seven days over the next week. That’s why you need to think about living in the moment. The Moving Finger writes; and, having writ, moves on…

     

    Notes:

    1. an exception can be made for this if you are saving tax-free in a pension with the aim of using the 25% pension commencement lump sum to pay off the mortgage in full on retirement. In my view this isn’t the clear-cut win for early retirees who will defer their pension for 5 years or more, but IFAs seem to recommend it for many people.
    10 Feb 2013, 7:08pm
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  • the real thing that we’re missing with the horse for beef swap is…

    …that nobody picked it up by tasting the difference. Even at 100% horse.

    NB not a post for committed vegetarians ;)

    where you're supposed to start with a beef lasagne

    where you’re supposed to start with a beef lasagne (OK so they’re actually dairy cows)

    It’s a rum old world, eh? One upon a time people knew what beef tasted like. I’ve knowingly eaten horse in France because I don’t have any hangups about it, and while I can see the generic big herbivore similarity it isn’t that close – much leaner and a stronger taste than beef.

    Nowadays we eat an awful lot of ‘mechanically recovered meat’ which is the processed to look like real meat. Take a look at Tesco sliced ham in packets. Looks real enough, apart from the occasional few mm hole where an air bubble in the process shatters the illusion. They even work hard enough to make it look like there is structure and differences in the regions of the ham, rather than the universal pink slime favoured in the fast food trade.

    Industrially processed food is crap. It doesn’t have to be for fundamental reasons, but it is crap for economic reasons. It favours the greedy and the money-grabbing, because it anonymises the product time and time again. Every time you test humans on the test

    What would you do if you knew nobody was watching

    You get the answer – anything to make life easier, make more money and to hell with concern for the health and safety of our fellow humans or abstract notions like animal welfare. Gordon Gekko doesn’t just occupy Wall Street – Greed is Good runs throughout business where suppliers don’t know and see their customers. This is just what you get if you Manage By Objectives rather than manage your firm by Values – you incentivise profit objectives, and you get it.

    Meat being of highest perceived value gets the most adulterated because that’s where the profit margin is. It’s not the only reconstituted product – I was intrigued to read in Fresh that baby carrots were pieces of full grown carrot sanded down ;)

    Just a really fit cow, really ;)

    Look at it as just a really fit cow;)

    In the long supply chains favoured by cheap industrial food, there is room for abuse all along the chain, from the US meat processors who can’t be bothered to butcher their carcasses properly so they wash them in ammonia to render the shit less hazardous to human health to the anonymous horse for beef swappers somewhere along the line to FindusTesco, Aldi et al.

    The trilemma – You can have it cheap.You can have it good. You can have it as it says on the tin.

    - but only one or two of those at a time, never all three. In all the hyperventilating and bizarre conspiracy theories, nobody has stopped to ask the simple question

    why the hell did nobody notice that the beef is a bit funny in this lasagne/burger whatever?

    The answer, sadly, is that very little industrial chow tastes of much, and very rarely does it taste of anything in particular. This is because the long supply chains mean that things aren’t fresh when they get to us, so much of what gives something taste has broken down, and the extensive mixing and grinding up makes what taste is left an amorphous average.

    Industrially raised meat starts off wrong because it does stupid things. You’ll observe the cows in the picture above are on grass, which is how humans have run cows for centuries. Most of the cows raised nowadays are fed on corn derived feed, often in massive feedlots like this one. You don’t get pictures of cows in cornfields because they never evolved to do that, and pasture fed cows taste better in terms of beef and milk products.

    The French still know that, insisting that Camembert AOC has to be pasture fed. So industrial food doesn’t exactly start off with the finest ingredients selected for their taste. There’s nothing fundamentally wrong in that if people want to buy cheap meat, but the fact it has little significant flavour makes substitution harder to observe. It’s been a long time since I’ve eaten a fast food burger, but I don’t recall it tasting particularly of beef. The Ermine dislikes relish and despises mustard, so the usual way of making fast food taste of something, ie to slather on sugary chemicals isn’t open to me.

    We have become so deracinated that much of our food is a step up from baby food. It’s been minced and ground and cut with fillers and pumped full of water and artificial taste improvers. To be honest if you’re going to eat industrial meat, perhaps it would be better to have it grown in a lab, rather than trekking the carcass thousands of miles from one part of the long supply chain to another.

    You, the consumer, can do something about this

    Don’t want to eat horse without knowing it? Stop being such a cheapskate. Meat is a piece of an animal’s body, and it should look like one.

    I knew it as a pig

    I knew it as a pig

    And you should know what your carnivorous treat looks and tastes like.

    I had some of this last night

    I had some of this last night

    Don’t eat it as burgers, or Mickey D’s or ready meals that can hide a multitude of sins. Avoid mince unless you get it from a butcher that you can trust; in the past they used to make it on the premises.In fact generally, avoid long supply chains, that means supermarkets, fast food, industrially produced food. Demand that your meat looks like a piece of animal.

    Shorten the supply chain for better taste

    If you want it to taste better then go local – shorten that supply chain and deal with people you can get to know and trust. That means taking more time about it and usually paying more money. In Ipswich I can recommend Lux Farm – I used to drive past their herd of belted Galloway cows every day, and the shop is on the farm, Eileen and her team are very helpful and they know their stuff – and they knew their stock when it was on the hoof. She won’t sell you horsemeat – I can guarantee you that. Even if someone swapped one of the cows for an old nag at the slaughterhouse it wouldn’t get to you, because she knows what her cows look like and they butcher the carcasses on the farm when they come back from slaughter. Even if they didn’t, she knows what beef smells and looks like. As an added bonus her beef tastes far better than the anonymous industrial beef from Tesco, because the cows are pasture-fed – you can see them on the side as you drive in. I’ve talked about Richardson’s smokehouse before – again, go local – there you can see the stuff being smoked out the back on your way in. It has flavour and distinctiveness. But it comes at a price premium.

    Take ownership and control

    Take some responsibility for what you shove into your gob. We got beef made out of horseflesh because we want it cheap. We also got here because we seem to be less able to accept that meat comes from animals these days, so the children’s market in particular hides the fact that this is a piece of animal. Unlike cats, humans aren’t obligate carnivores, so there’s a perfectly good, if more time-consuming and less flavourful IMO alternative.

    Milling meat finely into a puree lacks honesty, which is why it is so beloved of industrial food processors. So does pressing it into cute shapes so your kids don’t realise that this

    Dino chicken nuggets, WTF?

    Dino chicken nuggets, WTF?

    has a theoretical and intellectual relationship to this

    1302_chicken_IMG_7586

    Though it never pays to make the assumption unreservedly with industrial food products.

    Previous generations only ate meat once a week, it’s inherently more expensive than food from plants. If you want to eat it every day you’re either going to have to be rich or you’re going to have to accept industrial meat. Or follow Mrs Ermine’s advice and eat offal which is nutritious and cheap, but nowadays often thrown out or fed to cats and dogs.

    More regulation is not the answer

    The Grauniad, bless their cotton socks, recommend more regulation as the answer. I’m not so sure. Regulation just seems to encourage the ‘it’s not me, I wasn’t there, I wasn’t the only one, if it was me it was the fault of people i had no control of, and  lessons will be learneddefence. How do you make regulation stick across four countries and even more companies? What’s wrong with the regulation we have already – last time I looked it was illegal to pass one thing off as another. I’d say we need shorter supply chains and a bit more human integrity in those suppliers. It’s the sheer number of companies and subcontractors  that the ingredients are relayed through that is the problem – it is asking for trouble, and at each handover information is lost about where the food came from.

    Vertical integration is the only way to get enough control over the variables, and that fell out of fashion in the 1970s. The alternative is to shorten the supply chain by going local, buying from farmer’s markets and the like, but while than usually improves quality no end, it doesn’t come cheap.

    In the end this is the choice of the consumer. Want to eat a lot of cheap meat? You’re going to be eating industrial processed meat, and every so often you’re going to be eating something other than you think you’re eating. But hey, the price is right! What has happened is the problem described by Ellen Ruppel Shell in Cheap. Modern capitalism hollows out the middle ground and polarises the market, because like good little consumers we generally focus on the ‘for money’ side of the value for money equation, ignoring value. So we all crowd down the bottom end of the market, leaving a few intrepid souls who do care to hold up the top end of the market.

    Britain is a rich country, but we had better fresh food when we were poorer but didn’t buy everything from supermarkets

    Obviouly if you’re a top end consumer shopping at farmer’s markets or chi-chi London gourmet stores you’ll get much better food than we used to have in the 1960s and 1970s, but for the average British consumer quality has dropped – average and even poor consumers had access to better, fresher food then because the supply chains were shorter.

    Not so long ago we used to have a method that drew an acceptable balance between quality and price, indeed even offering a range of price points that the customer could choose between, even for a big world city like London where I grew up. London used to have wholesale markets – Smithfield for meat, Covent Garden for fruit and veg and Billingsgate for fish. These supplied the butchers, greengrocers/market stallholders and fishmongers where my mother bought food in the 1970s.

    These markets and retailers are virtually irrelevant to retail buyers now, because from the 1980s onwards we decided that food wasn’t something we wanted to spend time bothering with, either preparing or taking time to buy, so we turned to the supermarkets to supply our food. And so the inexorable slide down in quality and, to be fair, price, began. Supermarkets taught us to value looks and convenience over quality and taste, because this is what they could deliver, consistently and to a price. They pretend to care about quality, but it is more consistency and ease of handling they value. If you actually sit down and take it out of the packaging, there’s not that much between most ‘value’ and ‘taste the difference’ ranges in terms of taste.

    I don’t know who the London markets supply now, but they seem a shadow of their former selves in the London I grew up in – I went to see one once. The functions they provided now go on in anonymous warehouses and distribution points by the sides of European motorways. No Smithfield market trader would dare try and pass off horse as beef in the 1960s and 70s, because the butchers he was selling to knew what beef looked and smelled like. If caught out, his reputation would be trashed in the market and he’d be ruined.

    Some of the outrage and hoo-hah about the horsemeat scandal are because it shines an unkind light on the deracination of modern industrial food. It’s generally serviceable, it is cheap-ish, it doesn’t usually make anybody ill, but it isn’t good. That fact that nobody seems to be asking the question why this has to be picked up by DNA testing rather than those strange knobbly bits all over people’s tongues shows our expectations of industrial food aren’t really that high. In that case, does it really matter what it’s made of? Perhaps we need to stop kidding ourselves, and just label things ‘meat’ or ‘herbivore mammal’ and ‘pig’ and accept whatever the market can bring cheapest at the time. It’s not like anyone seems to be able to tell the difference what a ready meal is really made of ;)

    17 Jan 2013, 11:16am
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  • The wheel of the year turns, and a pause for reflection

    The Ermine household took itself to the West country at the beginning of the year, for a time of rest, and reflection on the year passed and the year to come. The culturally preferred way of doing that in the UK is to get hammered on the last day of the old year and welcome in the new with a humdinger of a headache and hazy recollections of indiscretions. Nothing wrong in that in itself, but it gets tougher on the constitution as you get older ;) So happy new year to y’all if you’re still here!

    It so happened that Mrs Ermine wanted to go the the Oxford Real Farming conference. That’s an alternative to the conventional Oxford Farming Conference, where Owen Paterson told the assembled mass of agri-business that he was going to pay for PR to convince the recalcitrant refuseniks of  the Great British Public that GM food is good for them. Really it is. I’ve offed the GM rant to later as it isn’t the main topic here.

    So we stayed at a lovely campsite near Oxford for a couple of days. Oxford looked pretty much like it did three-and-a-half decades ago when I went up there for an interview, only the tourists have changed,

    old-worlde building graced by asian lady

    old-worlde building graced by pretty Asian girl wrapped up against the British weather. Time moves slowly in Oxford; Photoshop her out, fade to grainy black and white and it could be the same as my 1978 photo

    Wandering around the city you can practically smell the old money oozing from the stones

    old money keeping this gilded gate nice. It would be shabby if paid for by an Austerity Britain council

    old money keeping this gilded gate nice. It would be shabby if paid for by an Austerity Britain council

    Then it was time to move on, to Glastonbury in Somerset, for a period of reflection on the year past and the years to come. The weather was kind to us – we were prepared to eat the cost of a lost booking if the weather had turned all snowy,  since  our FWD camper van is back-heavy and handles poorly in the snow. We had a lovely few days in a magical environment, though I fear a 1970s revival seems on its way by some of the garb on show.

    on the tor, I'm sure there's a 1970's revival in there somewhere

    on the tor, I’m sure there’s a 1970′s revival in there somewhere

    We stayed at a self-catering cottage near the town, and ate well from the slightly off the beaten track greengrocer and the fine town butcher, both near the market cross.

    alrternative shopfitting for this greencrocer, but their stuff was good

    alternative shopfitting for this greencrocer, but their stuff was good

    Although it’s ringed by the usual rash of out of town shopping and supermarkets, the people in the town have enough non-clone-town concerns to support a decent number of shops, and not the usual rash of casinos (not one I recall) and charity shops that infest the hollowed-out High streets of many market towns.

    Yup. Think we get the message of what's important to some folk round these parts ;)

    Yup. Think we get the message of what’s important to some folk round these parts ;)

    Recession? What recession? We don't do that round here

    Recession? What recession? We don’t do that round here

    I love city streets in the rain, okay so it's cheesy and Thomas Kincade but so what

    I love city streets in the rain, okay so it’s cheesy and Thomas Kinkade but so what, it’s kind of magical. And no chain stores, no clone – town Britain

    You can’t really talk about Glastonbury without a reference to the eponymous Tor so here it is. It’s still a right grunt to get up it, though it is easier now than it has been for me in the past.

    Glastonbury Tor

    Glastonbury Tor

    One of the joys of this holiday is we rented a really characterful stone cottage in nearby Butleigh that dated from the 1500s, though we had the advantages of modern plumbing and electric heating. There was a wood stove in an enormous inglenook, but this was more for the atmosphere than a useful source of heat as it was leaky as hell and tiny. It made me appreciate the quality of my own wood stove, but hell, it added character and we had electric heating to do the real work ;)

    wood stove

    So where’s the personal finance angle? Well, it was also a good time to look back at six months since leaving work, what happened, what is likely to happen, where I want to go.

    what happened since leaving work

    • I lost some weight. That is not a bad thing. I haven’t consciously tackled this, it seems that the stress while working had negative physical effects.
    • I drink less coffee – often just in the morning. Hell, I can even code without it, despite it being the software writer’s legal drug of choice.
    • I drink a little bit less booze. Okay a lot less compared with the immediate end of my working life. That stress thing again I guess ;)

    One of the things that became clear, is that I started my journey unprepared, particularly psychologically. I had expected to get to 60, retire normally and get on with life. In 2009 I discovered I needed to do that 8-11 years short. In times of need the Ermine will fight, and so I chose to fly into the storm, accept the rotten work environment but save madly.

    Unwisely I assumed that the primary risks were financial, that I would be kicked out. In retrospect this was not the case. I had already accumulated significant capital, unlike everybody else in Britain is seems I paid down my mortgage rather than going on holidays and buying cars with the increased house prices. And indeed lived significantly below my means, accumulating capital in terms of housing and some shareholdings, as well as the usual rainy day fund. I measured this against income, but in fact it makes more sense to measure it against outgoings, which made it bigger in effect.

    The financial risks were overblown. I could probably  have made it bailing in 2010, because I had projected my outgoings to be the same as while at work. A life retired is one where you can take joy in things that are free and low cost, those which take an investment of time, or improving skills, becoming self-critical and honing one’s art rather than searching for the technological quick fix or having to pay over the odds to pack everything into the weekend.

    One of the gifts that not working has done for me is that I can aim to do things with respect, or not do them at all. When I was working I had to do all sorts of things ‘just because’. I couldn’t respect anything to do with the stupid performance management system. WTF is the point of a performance management system – my performance showed in what I did. The back of house guys in the Olympics could see what was going on in real time, because of the efforts of me in high-level design and the subcontractors in mid and low-level and getting boots on the ground. I didn’t need some stupid prick ticking boxes or not. And indeed all due respect to my last and final line manager who got the balance on this right, it was the previous one who was the box-ticking prick. But I had to do PM, ‘just because’ some management consultant twits on an MBA said that was the way to do things. Where the hell were these guys when the West was built, funny how they only showed up as it is being lost!

    There are very few things I have to do just because somebody says so now. So when I do something, I try and take time, to address the job in hand, reflect a few moments, and then engage properly, indeed to live intentionally. Whether it’s roasting a chicken, cutting a piece of wood or designing a piece of kit. While working I sleepwalked like an automaton through stuff that needed to be sleepwalked through, but also through things that needed to be done with respect.

    I missed two risks. No man is an island, entire of itself. In flying into the storm of organisational values that had become so disconnected from mine, the Ermine’s brilliant white pelt was tainted as I had to run with some of the stupidity and pretend to agree with what I believed to be arrant rubbish. I paid for being so at odds with the values New Lean and Mean Firm. Overtly, by nearly being ejected for struggling after parting the ways with DxGF. And covertly, because in retrospect pretending to be something I wasn’t for so long seriously damaged my physical and mental health.

    In 2007 I came to Glastonbury with a couple of pals. And failed to climb the Tor, I got too out of breath and abandoned the attempt. Which is piss poor, the path rises 80m in about 400m linear distance. Now I can’t say that I raced up it this time but I was okay, stopped a few times to gather strength but the recovery was a couple of minutes, not tens of minutes then fail as it was five years ago. And not too many people overetook me ;) . I am sure that Mr Money Mustache would consider that a really low grade performance but I’m not him, I’m probably twenty years older. And I don’t have the physical fitness fetish. Decent for my age is what I want. His original weight target is what I’d like, it’s roughly what I weighed at 21, and at least  it isn’t so bad I’d have to lose half my body weight to get there. I have absolutely no comprehension of why he wants to become heavier. Good luck to him, I’m sure he’ll get there by the end of the year!

    I want to be able to cycle up the grade from Tuddenham on an ordinary road bike at more than walking speed without feeling like shit for fifty yards afterwards. I’d like to be able to cycle from Ipswich to Minsmere and back again. Pumping iron and being able to lift cars single handed – nah. Life’s too short for that, even if doing that makes it a little bit longer. Each to their own.

    So much for physical health, but not living my values cost me mental health too, it robbed me of hope and fire to illuminate my world, to choose life and direction. When I left, I gained by the removal of much of what was wrong. It looked good, and for some time I did not miss the hole – the absence of agency and direction that should have been there but wasn’t. I followed the originally designed financial plan, but the greatest fear was running out of money. So, like an unconscious pilot slumped at the controls, the plane to run on autopilot, and it did well ,the original flight plan was sound. I tried to wrestle against my net worth falling, but that was a fight I can’t win. By various synchronicities events conspired to make it look as if I could win, but it won’t be possible in the medium term. It doesn’t need to be, I don’t need to satisfy Micawber’s rule over the next few years, and my original plan did not demand that. It had two requirements – that I should not run out of cash, and that I allocate my ISA allowance each and every year for several years to come.

    Hope is a fragile thing. DW played for time, and guided the inspirationless ermine across the gap until the spark of the internal flame could strike and hold again. There are times in life when one must be prepared to fall back and fall back until somewhere, like Albert Camus in Return to Tipasa, in the midst of winter you learn of the invincible summer that lies within.  Somewhere in Glastonbury this happened. It is time to ease back into the pilot’s seat and survey the controls. Not necessarily time to do anything yet, but to look and see if anything has changed that the flight plan needs to take into account.

    GM rant

    My personal objection to GM food isn’t that it’s bad for you. I mean, some variants will no doubt turn out to be bad for you and/or the environment in general. But there’s plenty of regular millennia old stuff out there that’s bad for you. Try making wine out of ivy or eating foxglove, or most fungi. Plants are aggressive bastards, out to kill you with strong poisons 1 in the fight for Darwinian supremacy. Vegetables have feelings too and don’t actually want to be eaten by great hairy apes. Fortunately a whole host of humanity has gone before to ID or learn how to cook the nasty stuff. We didn’t need GM to make a mess of the environment – DDT, the non-decaying plastics waste choking the oceans, there’s more than enough mess made perfectly conventionally. more »

    Notes:

    1. if you have ever tried eating red kidney beans without boiling the suckers for ten minutes you get to know this up close and personal. I saw the results in a student flat when one guy sampled a couple of red kidney beans on the stove. The results were dramatic, he didn’t make it to the bog before chundering violently
    3 Oct 2012, 3:04pm
    frugality living intentionally:
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  • Don’t Just Sit There Moaning about TV, Do Something

    Daytime TV has no reason to exist in my view. It wasn’t just my opinion either – TV companies used to be of the same opinion, and helpfully transmitted testcard signals and the like, so that young Ermines could while away the slack time in the lab of my first company trying to fix a TV. And learning that a 26kV belt from the anode cap makes you end up lying on your back looking at the lab ceiling with stars  in front of your eyes. It confirmed the power supply and LOPT worked okay and the problem lay elsewhere, but I’ve been leery of TV since then ;)

    The testcard signals were at least something useful, if not interesting, on TV in the daytime up to the early 1980s. The testcards have quite a following, as indeed does the testcard music, I was surprised to see. I recall it as light entertainment with all strings and no vocals, like muzak, but clearly it has its aficionados. Whereas apparently what they use the time for now seems to be upsetting people, particularly some shift-workers and retired people who are getting incensed because the BBC is showing a load of antique and auction programmes in the daytime. This was news to me, because life is too short to watch TV most weeks. Even if it is the case, so far in my life I’ve never come across a TV without one essential function. You sometimes have to look hard for it, and in the olden days when you actually had to get up to change channels on the TV  manufacturers had a pesky habit of combining it with the volume control. I’ve located it on my TV and helpfully arrowed it :)

    Welcome to the Off button, Disgusted of Tunbridge Wells. It is your friend…

    It’s called an off switch. If you ever find some piece of consumer electronics that is meant to be entertaining you fails in this task, press that and the problem is instantly sorted. Nondestructively, too. There are other ways of solving the immediate problem should you find an antique show not to your liking.

    This switches off most things and some people, but it does have problematic side effects

     

    Let’s take a closer look at all this upset. Viewer #1, presumably of sound mind and hale of heart, gripes

    ‘I work in the evenings, so all I see all day on the BBC are constant shows like Homes Under The Hammer, Cash in the Attic [and] Bargain Hunt. I sit down to dinner and I see Flog It, Put Your Money Where Your Mouth Is, Antiques Road Trip [and] Antiques Roadshow. Do you really need so many of these types of shows?’

    to which the obvious riposte is “Don’t be such a frickin slob.” Your food died for you. At least do it the honour of sitting down and paying it full attention while you eat it. You might find it tastes better, because humans only have so much sensory bandwidth. And if it doesn’t taste better then you could use some of the time you’re not watching crap on TV to cook something more nourishing!

    While he’s at it, I have news for him. Starting somewhere about the mid Seventies, people invented something called the video recorder, explicitly to timeshift TV programmes. These have been refined over the years to a high art, as epitomised in my Humax Foxsat HDR. This was a massive upgrade to a Sky TV dish because it got rid of Rupert Murdoch’s blood funnel inserted into my wallet, and it means you can record TV shows and watch them later, like when Antiques Roadshow is on in the daytime! Ain’t technology wonderful? Go on, Disgusted of Tunbridge Wells, knock yourself out with one of those.

    Viewer #2 seems to have a more intractable problem

    Another said: ‘Being retired now, and because of the awful summer this year, I’ve spent more time at home than usual. These cheap and nasty [home and auction] programmes definitely aren’t aimed at me, or if they are, they are way off target.

    Day after day of the same pointless, boring, mind rotting junk is insulting to anyone’s intelligence.’

    Not sure there’s any intelligence to insult here, pal. We’ve sent a search party out for it and came to the conclusion that it’s MIA because you failed to make use of that on/off switch and go and do something more useful with your time.

    I’ve been retired for three months and watch less TV than I did when I was working, because without the pain of working breaking up your day guess what? You can really get a run at something, and y’know, focus on it, or learn how to do something. I have focused on mimimising my outgoings at the moment because at this early stage of retirement maximising my capital is important so that I don’t deplete my future income. I haven’t been bored though – it’s a big wide world and the magic of Google means you can find out about all sorts of stuff and creating things. I’ve been learning how to code in Ruby, saved £300 by fixing a broken camera lens. On an off I try and make this motley collection of parts do something for me, though I know I ought to get on and build it properly once it covers more than half a solderless breadboard.


    Now that the library has a decent search systemwhere you can order books online I’ve been reading Cheap. Heck, I’ve even discovered how to make the Amazon widget vaguely relevant/useful to this post. It’s really quite remarkable what you can do with the time that would otherwise be dedicated to watching Antiques Roadshow.Maybe these guys didn’t watch enough TV as kids. As the erstwhile TV show said, Why Don’t You Just Switch Off Your Television Set And Go Out And Do Something Less Boring Instead?

    23 Sep 2012, 9:59pm
    living intentionally simple living
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  • Simple Living is about more than money…

    It’s about living well. Welcome to a guest post from Mrs Ermine on some of the finer aspects of living well

    How, you may ask, does the Ermine household keep itself in high style on a modest budget? Mr and Mrs Ermine like to eat well, but don’t like to fill the coffers of large food corporations. Fortunately good food and industrial food are two very different things.

    So while Mr Ermine prepares his next post on financial wizardry, or perhaps another of this rants about the state of modern Britain, why not come and join me in the Ermine Towers kitchen on my new blog Simple Eating in Suffolk? The kettle is on (with just the right amount of water, of course) and right now there is something with a distinctly South Indian theme being prepared… a fine dish which Mr Ermine enjoys, and which costs just a few pence.

    15 Sep 2012, 12:48pm
    living intentionally personal finance:
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  • Agency – it’s what matters

    One of the  key things about sentient beings is agency - self direction. This struck me particularly when I read this Do Britons feel rich or poor? article in the Guardian. The Surrey PR lady who doesn’t feel rich  on far more than I have ever earned wants a slap round the chops with a wet fish.

    “Considering my husband works 6.30am-10pm, and I’m also working three days a week, you’d expect to have your own home. We’ve got a car that’s nearly 10 years old; we can’t afford holidays. [...] we’ve been to university, we’ve both worked our backsides off, and we’re not seeming to get the rewards for it.

    Earth to Surrey PR – take a step back, ask yourself what you’re doing and why it makes you feel pissed off like that. What the hell is the point of putting up with the stress of earning all that money if you don’t get enhancement of quality of life from it ;)

    In contrast, the high-rolling piano-playing business woman knows what she wants and she knows how to get it. She is living her values and can express them well.

    “To me, money is a form of expression. I need nothing. Do I want? Hell, yes.”

    I salute the lady. That’s a different kind of intentional living. If you’re going to earn a shitload of money, then know why you’re doing it, and enjoy it FFS. Her story is couched it terms of agency, whereas Stuff Happens to the disaffected PR and the 34 year old MD.

    Lest you say it’s easy for our piano player who has a household income of 1,000,000 a year, well yes. Her agency speaks in her history – single mum on divorce, prepared to sell her jewellery, take a lifestyle hit and teach yoga to pay her kids’ school fees. That’s agency – and it speaks in where she is now.

     

    Intern – she provided the most balanced and objective asessment

    You don’t have to be rich to have agency. Look at the 20-year olds. The intern and the call centre worker seem to be much more balanced than the PR lady and the MD with a 120k. The singles seem to have a better handle on things too.

    The homeopath has agency, even with the cheesy “Pay the deposit and the universe will supply the balance” mantra, but at least it sounds like it’s hers, and she is living her values. That’s agency. It shows in many of the other people in that study, the lawyer, the call centre op, the teacher. What’s notable is they aren’t all rich. Some would be classified as poor in money terms.

    Agency. It matters in a sentient being. If Stuff happens to you in the world, then you’re on the wrong track and losing the capacity to shift yourself onto the right one. And yes, I know. My job went bad as a result of Digital Taylorism. Stuff happened to me too, doctor heal thyself and all that. It’s a fair cop, though in my defence I did do something about it in the end. I’m just sharing a little bit of insight from the other side ;)

    The ermine – Renaissance symbol of nobility

    ‘Ermine’ – Peacham’s Emblem 75

    The ermine was a mediaeval symbol of nobility, because it was believe it prized the purity of its white fur so highly it would face death rather than defilement. That’s agency too – agency is choosing your path. Because it is an archetypal symbol of agency, the whole story is larger than life, and Peachem was then to admonish the nobles to make like the noble Ermine and step up to the plate

    Me thinkes even now, I see a number blush,
    to heare a beast by nature should have care
    to keepe his skinne, themselves not care a rush,
    with how much filth their minds bespotted are
    Great Lordes and Ladies, turn your cost and art
    from bodies’ pride, t’enrich your better part

    Choice isn’t just about what to buy next in the shops. It’s also about the things that matter in life. Believing you are a function about where you’ve ended up in life surrenders agency, because though you can’t alter how you got here, you can change where you’re going next. From that Guardian article, it seems to also affect how rich/poor you think you are.

    One of the things that advertising and consumerism does to people seems to be it denies their agency – to become happier you need to buy this product etc. We have a stupendous quality of life compared to even the Britain I grew up into.

    That article showed just how much it was to do with how much agency people felt they had as well as how much money. There were two people there with a lot more coming in than I’ve ever had who were seriously pissed off, because they felt they had no agency in their lives.

     

     

    12 Sep 2012, 10:27am
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  • net worth fears and intentional living reflections

    This is a part 2 to getting perspective. It’s a strange world we live in in the West. To see just how strange, you have to step outside it for a moment, and I seem to have inadvertently done that in my attempt to retire early..

    As I grew older the nature of what mattered to me gradually changed, turning from the outside world and Stuff into trying to understand what mattered and has value to me. There’s some evidence that this isn’t particularly specific to me – I find resonance in Carl Jung’s description of the process of individuation as one of the primary developmental aims of the second half of life.

    Jung understood individuation to be something that began in the second half of life, when individuals reach the zenith of their lives and suddenly find themselves facing an unknown vista or some unforeseen upheaval. Sometimes this turning point takes the form of a crisis: such as a financial failure, a health problem, a broken relationship, or a change of residence or profession – something which upsets the status quo. Sometimes this experience assumes the form of a profound self-doubt, a loss of meaning or religious conviction, a questioning of everything previously held so dear. Sometimes it presents itself as a deep yearning or a call to change direction

    In some of these respects my story follows that path, meaning began to drain from what I had pursued before. This showed particularly in respect of the value of Stuff to me. For example, amongst financial bloggers I have probably shifted past MMM towards what ERE pre-return-to-work was (and maybe still is!) in terms of spending. I don’t have ERE’s intensity of purpose, nor do I have his material minimalism as a result of a lifetime’s accumulated material wealth, so that isn’t to say I follow an ERE lifestyle. I have neither MMM or ERE’s physical fitness mania, for instance, which seems to be a common thread in low-spending PF writers.

    a random walk over psychology and investing

    Many people prize the intellectual aspects of mind in personal finance, treating finance as an analytical problem. It is true that a lot of issues arise because people don’t pursue their goals rationally, indeed PsyFi has created an entire blog on the foibles and inconsistencies that separate people from implementing their financial dreams. This leads to a subtle confusion, because intellectual and analytical treatment can improve the how in personal finance. However, it is almost silent on the why, and some of the biggest wins are to be had in changing what is of value to you.

    Money is a great medium of interchange and a mediocre store of value. How you allocate money and invest is important, but even more important is why you allocate the fruits of your labour to the various facets of life. There is a time to buy jewellery and a time to save for retirement.

    We don’t really do enough on the why in the personal finance blogosphere, probably because this is such a subjective call fraught with individual variance. Some people would look at my drop in spending on Stuff and feel heck, the Ermine is living all in the past and the future, not enough jam today. For them, the call is right – spending now is what matters more. Breaking the binding chains of consumerism is hard, and even harder after you’ve been at it for a couple of decades.

    The emotional centres of the psyche give empathy, but they also animate the ability to determine values and intentional living IMO. With only the intellect available after getting to see the wall of the doctor’s surgery a year and a half ago, I focused mindlessly on achieving a narrow goal, trying not to let my networth fall. It is a daft goal, because taken to the limit it will make me the richest guy in the cemetery, but it was simple enough to focus on. It’s easy to specify and hard to do – save 20 x my outgoings and job done. Obviously that’s a fair sized ask, and in practice you do that by slashing outgoings. This is not easy if your sense of value is externally based or you need to see yourself in the reflection of others.

    I don’t really need much Stuff to inquire within, though I have bought a copy of Jung’s Red Book for an insight on his journey through the transition, which is them most I’ve ever spent on a book! That’s by no means the first place to start for an introduction to his work, his autobiography Memories Dreams Reflections is probably a good place to start.  John Betts’ free podcasts are good, but the organisation of the podcasts is a hellacious mess. The first one (intro) is here, about halfway through the list.

    Knightley in A Dangerous Method

    Many people, particularly of a highly intellectual/analytical bent find Jung’s work overly mystical. That’s fine – his model matches enough of my life experience so I’ll go with it, other models may suit other people better. The recent movie A Dangerous Method featuring Keira Knightley is sensationalist twaddle IMO ;)

    preserve networth or reduce income fluctuations

    Anyway, in pushing my costs down, I generated an projected income profile something like the blue line (the x-axis is the zero income reference for the y axis, and the numbers on the x axis are years with 1=2012)

    That line would preserve my(numerical)  net worth, as  I spend the income from my ISA and non-sheltered shareholdings plus the income from cash. Notable is that this blue line is some way above the current level of jobseeker’s allowance and tax-free (well actually tax-pre-paid due to the unusual tax treatment of dividend income in the UK).

    JSA is £71 a week, so to produce at least this income I had to save, outside the pension system, 71 x 52 x 20 = £74000-ish. In practice there are subtle distorting factors – more half of this ended up in cash, a form of investment that I despise and that gives paltry returns these days as well as quietly dying into the night due to the depredations of the Bank of England’s QE. So in practice I saved a bit more, compensating for the rotten return on cash and ending up with a higher income.

    It’s an interesting exercise, when people grouch about the paltry level of JSA, exactly how much capital the taxpayer has to raise to pay it. Even on that, my lifestyle is higher than most people on JSA because I don’t get to pay rent/mortgage out of it, and have to some extent prepaid some household expenses from capital.

    Nevertheless, according to the Joseph Roundtree Foundation, I am stuffed. Doomed. Boracic lint. Insufficient spondoolicks.

    Straight between the eyes, no? You do not have enough to live on

    Note their definition of a minimum standard of living is a little bit more than what I would imagine

    “A minimum standard of living in Britain today includes, but is more than just, food, clothes and shelter. It is about having what you need in order to have the opportunities and choices necessary to participate in society.”

    Presumably that includes Sky TV and a flat screen telly to watch it on, neither of which I have ;) Although as an INTJ type I am probably less gregarious than most I don’t feel I am totally out of touch with society.

    Last weekend’s party. Even INTJs don’t totally shun their fellow human beings…

    I had to fudge some of the inputs to the minimum income standard calculator, like subtracting the amount allocated to rent and income tax and NI because these don’t apply. Plus some handwaving to try and split out this household calculation to make it more specific to me. Presumably the help links go to somewhere where the Fairness Fairy is going to wave her magic wand and sort all this out for me.

    I may hit up the tax and benefits system to get the £1800 worth of contributions-based JSA I am owed (26 weeks x £71) before Universal Credit stymies that due to the £16k capital ceiling in April next year. But after that I am done with the benefits system, and it’s hardly like I am making a profit on the deal, I’ve paid more than that this tax year alone! Presumably there’s some way of winning the excess back from HMRC as I worked really hard to avoid earning over this year’s tax threshold, though I had to lose income into pre-tax employee share schemes and pension AVCs to do it.

    Most retirees have an income from their pension, so I am probably not the typical subject for the JRF. However, I was surprised at some of the line items making up their minimum required. F’rinstance, when I was drinking  the JRF’s £16 worth of alcohol a week I was also somewhat over the NHS recommended limits because I was compensating for not living my values. I came to the conclusion this needed to get knocked on the head in the interests of health. Okay so some of the households JRF modelled will be spending in pubs and clubs where the unit rate will be higher, but a fair number will be downing wife-beater at 5.2% in front of the big flat screen TV at home. Tesco runs 20*440ml cans at £16 (less on a special offer from tomorrow!)

    20 cans of Stella at 5.2% is 44 units of alcohol. Don’t try this at home

    so some of our JRF households are getting seriously hammered on 44 units per person a week, running about twice the NHS recommended limits for a man at 21.

    I could meet the JRF requirements if I run down some of the cash over the eight years before pension age. Preserving my networth gives me a 1:5 ratio of income pre and post pension, running the cash down softens that somewhat to 1:3. I should also add to that the income from the pension AVCs, but there’s only so much what-iffery it is worth doing after the ‘enough’ bar is reached. I’ve done too much Excel in a past life ;)

    avoiding tax is all about being able to spend less than people of a similar income

    Looking at this perhaps it would have been more rational to accept paying more tax over the last 3 years to have a larger capital stash now to reduce the variation in income. However, as I tried to save to retire early the amount of tax I was paying started to really piss me off, particularly when it exceeded what I was living on. So to hell with it – I lived my values in keeping more of my income out of the rapacious maw of the Government even if I had to accept a large income variation. Indeed, being able to eat a high income variation by living below your means seems to be the key element in being able to minimise tax liability. As a result these tax breaks accrue to the people that either earn much higher than the norm or who can drive down their costs much below the norm for their income cohort. I fall more into the latter camp than the former. Most people, who spend > 80% of their disposable income get particularly rocked by the tax system with no opportunity to beat it.

    So far so good, then what?

    However, more to the point is that having destroyed the hold of consumerism over my life, do I really want to re-enter the fray by increasing spending to JRF levels? I have other work to do, to self-actualise, to get my ass onto a bike more, to get to know the different plants that inhabit the hedgerows. I want to witness another stoat fight in the long grass, to record the changes in the dawn chorus over the coming springs.

    All these things don’t need me to spend loads of money, but in some of them I may find more of myself. This is the freedom I needed. I accept that to do it means I forego some of the pleasures that money can buy – travelling to see New Zealand is probably a fantastic experience, and I tip my hat to people who make it something they really want to do. But for now, I will leave things like that. I will travel a bit, but I won’t do it to run away from myself or to blot out the negativity of the daily experience of life in an office working for The Man.

    As I look back over the recent years, I start to feel that the original narrative of the story, that this was something that came to pass as a result of external forces, in particular The Firm transiting from ‘a truly great place to work gone bad‘, may be only a partial explanation. In this (somewhat technical) article on individuation there is a passage

    She went through the expected crisis of losing confidence in her highly developed and refined social identity, and she also came to question many of her previously held convictions and opinions

    where I see analogues with my experience – the sudden change, where previously held forms fracture and spall under no obvious provocation. There are more hints in some of the synchronicities. I had more than my fair share of luck in being able to get out, but only when the time was right.

    The right answer will probably be a slow ramp, perhaps with a small peak at the beginning in setting myself up. I spent a couple of hundred pounds on getting my bicycle sorted properly to reflect the type of journeys I use it for. I may get a Hameg 2024 oscilloscope at some point in the future to further some engineering interests.

    I gained power over personal finance by realising there is a time for everything, and trying to roll with it. Now is the time of the lean years, though less lean than the last three, and the time for a much higher quality of life due to the elimination of The Firm. I have some influence over the profile of these years and a reasonable amount in reserve. Once again, I am reminded of the advice of the Delphic Oracle – Know thyself.