Foreign Perspectives

Archive for the ‘Society’ Category

Mum had a fall a few months ago and managed to land that little bit too heavily and consequently broke her hip. That in turn led to a new hip so the fall actually helped her in that she now has the new hip that she needed but would otherwise have needed to wait a couple of years to get. That then led to was an extended stay in what’s called an intermediate care home which is basically an annexe to the hospital in all but name and she’d been there almost six weeks now.

That “almost six weeks” means that last week I was called to what’s essentially a discharge meeting where all the social work people along with a representative from the care home to discuss what her situation was now and what should happen next. It’s almost six weeks because six weeks is the maximum amount of time that the local trust will pay for recuperative care and after that, well, that’s a good question as it turns out.

It was very clear from what was said about her current condition that our house just isn’t suitable for her and neither would we be able to offer the level of care that seems to be necessary, even were we to accept what would be a very high degree of care on offer from the trust. Actually, the level of care on offer was something that we’d had offered before and when we thought through the consequences, it just wasn’t going to be viable. Moreover, now they’re saying that it’s pretty much round the clock care that she needs which isn’t on offer and wouldn’t really be practical for us even if it were.

Anyway, that in turn meant that we we felt that a nursing home was the way to go. But is it a “nursing home” or a ” residential home” that she needs? That’s a good question and one that I couldn’t answer. Neither could the people at the meeting, at least not in a definitive way. Would it be permanent or temporary? Another good question although in that old people always get older I’d say that permanent would be a good guess.

A rather interesting question is who pays for it all. As far as the social worker group were concerned it was around £540 from them (in itself consisting of all but £22 of Mum’s pension and allowances) and the top-up of (for that home) of £70 from me. That was if the money was available in the budget which, of course, it may not be. A chat with Age Concern (OK, AgeUK, but really, who calls them that?) it was quite a different story. For one thing they appear to have to find the money from the budget and I don’t have to pay a top-up either as only someone “willing and able” to pay would have to pay (she can’t pay herself as it needs to be a 3rd party).

Until we found all that out we were running around everywhere trying to find a home that we could afford (of which there were none) and that had spaces (also none). Who knows what’ll happen on Monday when the six weeks are up though as I’ve not been able to get in touch with any of the social worker team.

Northern Ireland has had a variant of the Alternative Voting scheme for many years and in the vote today one of the biggest downsides of it is very plain to see.

In place of what was once a relatively short voting paper were two around two feet long with around 20 candidates on each. Even reading down the list takes a while and with two elections and the ballot for the AV system today, the queues are somewhat longer than usual. Is that a fairer system? Well, it would be, if people paid as much attention to their vote as politicians always seem to think that they do. In reality, people just don’t do that and thus the system probably ends up producing a result that’s less representative of “the people” than what went before. Picking one person that you’d quite like to represent you is much easier than choosing two or three amongst a much longer list of people.

Having said that, it’s more likely that people will add a name or two as a protest which they couldn’t do if there was only one person that they could vote for. Thus in response to the widespread dislike of the mass immigration that we’ve experienced one could expect that the BNP will pick up some protest votes.

Although it can take longer (a lot longer) to produce a final result from AV, that’s something that only happens every four or five years so is probably the weakest argument on the anti-AV campaign.

Is it worth having to give the potential for a protest vote? Maybe, but for me the biggest downside is that it makes it a good deal more difficult to use your vote effectively and that more than cancels out any advantage of protest vote potential.

For the most part, the relative valuation of currencies isn’t something that affects day to day life for most people.

After all, outside holidays, how often do you directly buy something from overseas? Even with Internet sales sites as numerous as they are, in reality most people buy from their closest outlet for the simple reason that to do otherwise would add to the shipping costs. Even when that’s not so much the case it needs a major price disparity to make it worthwhile shipping internationally for most products.

However, that all changes when it’s a major transaction such as a house. Which is why we find ourselves wonder just what’s going to happen to the sterling/euro rate over the next six months or so.

Frankly, most ways of predicting the future direction of exchange rates are little more than gambling. However, looking at it historically the rate has been between 1.50€ to about 1.05€ over the last five years and around 1.10€ to 1.25€ over the last year. Perhaps more importantly though is that the Euro is clearly overvalued a lot. For example, the Big Mac Index puts the over-valuation at 30% (ie the 1.50€ from getting on for five year ago is the right one); the problem is that it can take a long time before a currency reaches its correct exchange rate, however one might define that.

So what’s a person to do?

In practice most people do nothing which leaves them wide-open to what can be massive exchange rate differences. For example, that 15% change over the last year might not sound like much but translate that into a house price of, say, 200,000€ and you could be looking at a change of around 30,000€ which isn’t small change obviously.

Second choice is to translate the prices into your own currency at the current rate and build that into the sale contract. A reasonable option for you, if you can convince the other party into running with it. Chances are that in reality this is going to be a non-runner.

Finally, there’s the option of using one of the currency exchange places and fixing the exchange rate in advance. There are a whole lot of options with this route but the principle differences are between committing yourself to buy/sell at the rate quoted and getting an option to buy/sell at that rate. It’s much, much better to run with the option as, of course, the exchange rate could move in your favour. With an option, you can change your mind and exchange at the better rate.

Are you going for the sexy undies again or are you going to buy your girl some chocolate this time?

The downside of the undies is that men tend to buy something sexy whilst women are looking for something comfortable. The two rarely meet in the middle. Sexy stuff is generally tight and made of thin material but women are looking for comfy and this time of year thin material generally doesn’t cut it.

But why do they like chocolate so much anyway? These days a lot of it is to do with the marketing by the chocolate companies, hence the mass of those little heart shaped chocolates that you see around Valentine’s Day.

However, there are also chemical reasons behind the attraction of chocolate. It’s a sweet and we are all attracted to sugary things for a start. However, it also contains triggers for your endorphins (the “feel good” chemicals) which other sweets don’t. Finally, specifically for the women it contains phenylethylamine which is related to chemicals peaking during orgasm.

It’s been over six months since I last heard from my previous employer (who I’m still notionally working for) so I was a bit taken aback to get a phone call telling me of two potential jobs.

Even more oddly, both seem quite reasonable jobs too and not wildly out of line with my previous experience either which is itself quite unusual.

The first one seems like a normal systems analyst job for the most part. I’m a bit wary of it though as some parts of the job description seem to indicate that it’s aimed at an insider so I don’t really rate my chances with it.

Slightly oddly given my own situation the second one is a secondment which I’m sure will complicate life a bit and also has the problem that there’s an end date for it with no obvious route “back”. That said, it’s an almost perfect fit for me or seems to me to be anyway. Whether it’ll seem so to them is, of course, a different matter.

Whatever the result, if nothing else it shows that they’ve not completely forgotten about me.