Letters to a Sister : 13


This has been a fairly quiet week, the most eventful thing being Son’s graduation ceremony.

Before we went, we had to take younger son’s duvet to Morrisons to be washed. It has been sealed in a black bin bag since he got home from uni – trust me, it needed to be washed. When he removed it from the cover, a shower of feathers fell over the floor. We could not find an obvious hole, but it is clearly leaking. I cannot believe this will end well. Gave receipt to unsuspecting husband. When he collects his cleaning he can also collect empty duvet sack and a bill for having broken Morrisons washing machine with feathers.

But I digress. As I say, this week was Son’s graduation so we drove North. Stayed over night in a Premier Inn. I must say, I really like Premier Inns. They have nothing you don’t need, are reasonably priced and always seem clean and welcoming. The food is just ‘normal’, nothing special but not cheap rubbish – a few brand names go a long way with food. I like them.

The day of the graduation was sunny. A lot like the day, three years ago, when he first looked round the uni. He assures me that it has rained every single one of the days inbetween. I think he is lying.

The whole world was at the graduation, they are certainly a ‘multi cultural’ place. I eavesdropped a few Mandarin conversations but resisted the urge to join in (there is a level of ‘odd’ that my children will not accept from me. I have learnt this.)

Also a range of types of people. There were those in posh clothes, with posh voices, who walked around like they ruled the world and everyone was in their way. Then there was the man we sat behind, who had no suit, wore a baseball cap throughout but was clearly excited to be there, took copious photographs and was quite emotional when his child went forward. I know which people I prefer.

I was somewhat surprised, when needing the loo, to discover they have ‘male’, ‘female’ and ‘gender-neutral’ toilets at uni these days. Apparently gender is now a spectrum. I am completely comfortable that I am well within the ‘female’ end of the gender spectrum (I only have issues when deciding on gender for my cats, not humans.) However, I do think they are a good idea. Not as an extra option – anyone using them would get peered at I suspect, but why do we need gender separate toilets anyway? I am quite modest but I cannot think that peeing in a cubicle, completely hidden but next to a bloke in his own cubicle, would cause me any problems. It would also have made life a lot easier when my boys reached that age where they did not want to go into the ‘Ladies’ with me but I felt they were too young to go into the pervert ridden Gents on their own.

Son looked suitably handsome in his cap and gown. He got cross with how many photos I took and banned me. Had to take sneaky ones of his back after that.I have lots.

The ceremony began with a procession of dignitaries who walked to the front and then sat facing the audience. They all looked splendid in their colourful gowns and caps. Except for one. Who was the man who wore a checked shirt and no tie under his gown? He sat slumped in his chair, clearly unhappy to be there. Was he a stand in? Did they drag him from an afternoon in his garden when they had a no show? Not that he wasted the time, using it to give his ears a good clean out. Thankfully he left his nose alone – left the nose picking to the camera man at the back of the stage. Honestly, someone should tell people that IF they are on a stage facing 200 strangers, that is NOT the best time for face picking. Of any kind.

However, when the ceremony began, Professor Checked Shirt gave the most beautiful smile to the graduands, full of affection. All was forgiven in that instant and I decided I liked him after all.

I did not however, like the man who sat next to me. He did not clap for a single graduand and even, at one point during the ceremony, opened a bottle of water and had a drink. His wife had obviously tried though. She had matched her lipstick, eye-shadow and nails perfectly with her purple mobile phone. Not quite my thing but she had made an effort at least.

I was surprised by how young the graduands were. It was only yesterday that we were that age, all grown up, knowing everything and ready to conquer the world. The only real difference was that these graduands were requested to not take selfies when they accepted their certificates. Not a problem for us. Not sure mobile phones even existed.

Perhaps we are getting old after all. Though I feel exactly the same. Except I know less now than I did when I was in my twenties.

Take care,
Anne x

Can the Euro Survive?


Can the Euro Survive?

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      What will happen to the euro in the light of the Greek crisis? Does it have a long term future or will it disintegrate?

     I have no real opinion on this. So I listened in on a debate between two of my sources: an economist and a city worker. We will call them T (Tomato Source) and B (Brown Source). The words in italics are mine – either questions, or explanations of some of the terms used.

     Do you think the euro will survive for much longer?

T: No, because Germany will soon start to want it’s own monetary policy. At the moment, the eurozone has a monetary policy but Germany will decide it needs it’s own one soon. At present, if say Greece, France, Italy have slow economies, they will want to lower interest rates across the euro zone. Germany would have to comply with this, even if their own economy is over heating. (If you cannot remember what this means, read the article on interest rates published 11-7-15)

     The bigger point though is the opposite of this. When Germany wants to lower interest rates to increase consumption but most other economies are over heating. Then they will ‘stagflate.’ (This is not a form of indigestion, it means the economy is not growing but inflation is. It’s bad.)

B: I don’t agree. The currency wont inflate because it will always be balanced by those other economies. True, if Greece now had the drachma, it could use different techniques to the rest of the eurozone to sort out its economy. However, the USA works because it is centrally run. (Central government decides on tax, government borrowing etc for the whole country. Individual states decide on only some financial points.) A new ‘United States of Europe’ would work financially but all the countries would need to agree to be centrally run.

T: At present, if France, has a fast growing economy, they cannot lower interest rates unless all the eurozone agree. All they can do is change their fiscal policy. Classical economists think this cannot work.

Fiscal policy is what the government spends and what it sets taxes at. In the eurozone, the other measures to control the economy, like interest rates and the number of euros in circulation, are all agreed centrally. So, Greece could not decide to just print more euros when it ran out of money. Germany cannot decide to lower its own interest rates.

B: California is as big as a eurozone country and central policy works for them. Detroit went bust recently, but it works because they have more central control. The eurozone would work if they decided tax and government borrowing centrally, if it became a full union, like the USA. However, the citizens of the countries, the people who get to vote for governments, have never wanted this, they want the control to remain in the individual countries. This is why they have a sort of ‘half way house’, despite the theorists wanting a full union. That halfway situation is why it went wrong. They have now centralised the regulation and insurance of banks. This was an important step. The central bank (called the ECB) now controls all the domestic banks in all the eurozone countries.

So why weren’t the Greek banks protected? Haven’t they just gone bust?

B: It doesn’t stop them going bust. The insurance just protects the deposit, the money of the general public.

T: Another big problem is, monetary policy is effectively free, but it takes a long time to take effect. We’re in a recession. If I want to encourage people to spend more (and speed up the economy) I will lower interest rates. But that takes a long time to be effective. So the public feels its not effective at all (people tend to be impatient. Especially when their money is involved.)

     A faster way to speed up the economy, is through fiscal policy. The eurozone can only work if fiscal policy works. Everyone believes this. (Classical economists believe that fiscal policy does NOT work, therefore they believe the eurozone will NEVER work!)

     Whether or not fiscal policy works depends on two different things. It depends on:
1)the size of the multiplier effect
2)the scale of the crowding out

     Hmm, complicated terms! Economists love to use fancy phrases. We need to know what each of them means.

      Let’s look first at the ‘multiplier effect’. This refers to the GDP of a country. The GDP is simply the amount of ‘stuff’ produced annually in a country. It stands for ‘Gross Domestic Product.’ We’ll use China as our example because they have a big ‘multiplier effect’.

     Pretend the government decides to build a bridge. It pays £5,000 to the builder. (Yes, I know it wouldn’t be in £, but we’re trying to make this simple!) Now, that builder spends £3,000 in China on Chinese products, spends £1,000 on imports, saves £500 and gives £500 in tax.

      This increases GDP by £8,000. (Are you keeping up? It’s the government’s first 5,000 plus the builder’s 3,000 – all spent in China on Chinese stuff.)

     Now, the £3,000 of the builder was spent on a Chinese car. The car man then spends that money. He spends £2,000 on Chinese stuff, saves £500, spends £500 on imports and tax. So now we have another £2,000 spent in China on Chinese stuff, so their GDP increases again.

      That same money keeps multiplying the increase to their GDP (I am getting a hint as to how they chose that name now.) In fact, that original injection of £5,000 (from the government to the builder) increases GDP by £20,000.

     We used China as an example because in China, no one saves much, no one buys many imports (most things are ‘made in China’) and no one pays much tax. So, the ‘multiplier’ is much higher than somewhere like Belgium. Therefore, government spending in China is very effective.

     Now let’s look at ‘crowding out’. Pretend a government wants to build that same bridge and to raise the money to do so, it sells government bonds. These are in effect a way the government can borrow with interest. It borrows from banks and individuals (perhaps through National Savings Bonds) for a set period and then pays it back with interest.

     That money, when it is lent to the government, stops circulating, which slows the economy. (If I put £100 in Savings Bonds, then I am not using it to buy a new tele.) This is called ‘crowding out’.

     So, the ‘multiplier effect’ is the inverse of ‘crowding out’. (I wanted to write that it was the “opposite” of crowding out – because to my mind it is – but both my sources inform me that strictly that is not true, so we will stick with “inverse” knowing that for normal people that means “opposite”.) Whether or not fiscal policy works depends on which one – multiplier or crowding – is the most dominant

T: Therefore, fiscal policy will be less effective in places like Germany and France than somewhere like Poland. (Remember ‘fiscal policy’ is government spending and taxes.) So, even if the whole eurozone economy is slow, countries within the zone will disagree on how to speed it up, because fiscal policy will work better for some but not others. This is due to the diversity of countries within the eurozone. If they were all like France and Germany, then a central policy would be much more likely to be possible.

B: I don’t agree. In the USA, states have huge economic differences and yet a central policy works there.

T: That is because the culture across the states is broadly the same, the amount of stuff they import, the amount of tax they pay does not vary much between states. This allows a central policy.

B: Actually, I think it is because of central policy that they are similar. If all the countries across the eurozone accepted centralised government borrowing and taxation, then the euro would work. The Greek problem would probably never have happened.

     Politically, this is very unlikely to happen.

     So, can the euro continue?

B: The trouble is, politicians need to be popular to get votes. Democracy means that they are pressurised into continually borrowing as much as possible, so that life is good for the current population. They borrow from the future to keep voters happy today.

     This causes the temptation to behave rashly, to alleviate hardships today and to not live within their means. The euro takes away some of the consequences of over spending. Bad government decisions are spread across the eurozone. In the UK (not part of the eurozone) if the government overspends, then fairly soon it will face the consequences. Like Brazil had to. The countries in the eurozone can behave how they want and know that the other countries will bail them out.

     Maybe, the lessons learned in Greece will cause a change in behaviour. Maybe they will do things like set up a system of policing each other, auditing what is happening in each of the countries. Part of the Greece problem was caused because they lied about the amount of debt they had and no one checked. Even if they reject a central policy, they could introduce greater accountability. They could agree on tough consequences for governments who break the rules.

T: Whatever happens, I don’t think Germany will bail out another country. If Portugal follows Greece, I think the German people will just say no and Portugal would be forced to leave the euro. The eurozone would crumble.

     So, can the euro survive? If some new rules and tough consequences are introduced, then maybe. But it is far from certain…….

Letters to a Sister :12


So, this week we met Mimi’s new boyfriend (well, new to us.) All very scary. Was keen to make a good impression so asked what he liked to eat. Was informed he “is a vegetarian but doesn’t like vegetables very much.” Not so easy then.
Decided on a broccoli quiche (am good at making quiche. Must be all those quiches we ate at midnight as children after putting up the tent in Cromer on Wintery August nights. Oh, happy days.) Anyway, made quiche. Forgot the broccoli but decided he wouldn’t notice. Which he wouldn’t have IF helpful husband hadn’t thought it a good conversation topic on way from station.

Helpful husband had in fact been helpful all morning. He knew I was stressed so offered to vacuum clean the kitchen (just in case new boyfriend didn’t understand about dogs and copious amounts of hair shed every summer.) He did clean, unfortunately he did not put vacuum cleaner away, so it was in middle of kitchen floor when boyfriend arrived. Not such a great first impression.

Boys also helped. They cleared all the mess/stray socks/empty beer cans/sweet wrappers from the upstairs lounge (it becomes their hovel during uni holidays. I try to avoid going up there.) Unfortunately they thought the kitchen table was the best place to dump all their debris. Not sure why.

The boys had also devised a series of nicknames for boyfriend. They found it funny to substitute the middle consonant with a different one. Some variations WERE funny. Until I made a mistake and used one of the variations without realising. Very embarrassing (they found it hilarious.)

We did try to plan for the visit. Husband was given a range of topics (mainly ex-boyfriends) that he was banned from mentioning. He managed to mention them all I think.

Boyfriend seemed very nice. Mimi glared us all from time to time but seemed to cope. Not sure if they will brave another visit.

I have finally got round to clipping the ‘ducklings’ (now young adults) wings. They are happily on the pond. Except for one, which is matt brown and beautiful, so I have kept her with the parents in the aviary because I don’t want to lose her to a fox (added freedom also involves added risk.)
Most of them are males. They usually are. I am rubbish at telling their gender when they first hatch (it is incredibly hard to see and not especially nice for the ducklings) so I tend to wait until they are young adults. Then with call ducks it’s easy because the females shout really loudly and the males quack like they have a sore throat! You can’t tell from feather pattern with call ducks – one of my males has almost identical feathers to a female mallard. When they get older and are fully feathered, the males will all have curly tail feathers. This is true of all ducks, not sure of other birds, do you know?

Chickens have started pecking each other. No idea why, they never have before. I thought it was re establishing the pecking order when this years chicks became adults, but they’re still doing it. I now let them roam around the garden during the day, am hoping that will solve it (though their cage is big.)

Kia helps me round them up at night and to put the ducks back on the pond. She has got really good at it – spends a lot of time watching me to see where I need her to stand. Can see why farmers use them to herd animals, are very responsive (not like boys. Or husbands.)

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I took Milly and Molly to be spayed. The kittens also had their first vaccines. One of the ‘boys’ is a girl (clearly am also rubbish at sexing kittens! It is not as obvious as you might think.)

Vet told me to keep M and M quiet. Not sure how he expected me to do that. They were dismantling the cat box before we even reached home. I tried putting them in the bathroom but they spent the whole time leaping for the door handle or jumping onto the window sill. They also rearranged everything in the bathroom – not sure if they are the cat equivalent of interior designers (bad ones) or demolition men.

I gave up after a day and put them back in the garage with the kittens. After a week they can go in the garden. I’ll bring them in at night, just so they don’t forget that kittens are theirs and fight when they all move outside.

Take care,
Anne xx

P1080806PS. I have published my diary about Rio. Haven’t sent it to you because I included one of the letters I already sent. However, if you fancy reading it (now it has photos added plus some new content) the link is : https://anneethompson.com/travel/rio-de-janeiro/

Interesting Interest Rates


Interesting Interest Rates……

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       In the News this week, Janet Yellen (federal reserve chairwoman) has again said that the US central bank is likely to increase interest rates. Is this important? Will this affect you?

     Now, I have never met Janet Yellen. All I can tell you is that she has blonde hair and likes to wear dark lipstick. I can however, tell you a little about the Federal Reserve. This is the central bank of the US. It is the US equivalent of the Bank of England. So, what is a central bank?

     A central bank works for the country. In recent years, it has become acceptable for it to be independent of the government. It manages inflation and financial stability, in other words, it manages the economy. How? Well, that is a whole article in itself (not yet written but I’m working on it!) For now, lets just say that it sets interest rates.

      Now, people do not like to be shocked by what central banks do. Just like with the Swiss Pegg (see : https://anneethompson.com/the-mystery-of-money/the-swiss-peg-nothing-to-do-with-clothes-lines/) which changed the markets by 20% in a single day. They therefore usually very carefully give hints, in tightly scripted statements. So, if someone senior (like Janet Yellen) makes a statement – trying to avoid a sudden shock – the market listens very attentively. So should we.

     Anyone who is young, may not realise that at the moment interest rates are low. Very low. Possibly the lowest they have ever been. This is due to the financial crisis – the central banks have all lowered interest rates.

     I used to own a Mercedes C class coupe. It was beautiful. It drove like a dream. It also had a ‘super charge’ button which I loved (made me feel like James Bond.) When I was stuck behind something slow, I could press my super charge button and whiz past at super fast speed. The central bank, in effect, has a ‘super charge’ button, which is to lower interest rates. If it lowers interest rates people change their behaviour. They are less likely to save (because their savings wont go up in value) it costs less to borrow money, so the population goes shopping. This creates jobs, creates income, leads to economic recovery. For the last five years, every central bank in the world has done this.

      However, central banks hate high inflation. Everyone is worse off if there is high inflation. Your money becomes worth less (what you can afford to buy with a pound this year will be less next year) it slows the economy and they do not like it. One thing that encourages high inflation is low interest rates. So central banks want to raise interest rates before this happens.

     At the moment, the US economy is going relatively well, which is why the central bank will probably begin to nudge up interest rates, before inflation creeps in.

     The other reason is that those ‘super charge’ buttons have been pressed for about five years now. They only really work for giving an extra ‘umph’ when needed, they are a back-up plan. They need to turn them off before we go into a new recession. The central banks need to get everything back to normal (with slightly higher interest rates) so their ‘secret weapon’ can go back into reserve.

     How will this affect the UK? Mark Carney (who I have met, at a dinner. He seemed like a very nice chap) is in charge of our central bank. He is saying that “nothing will change for now.” However, he is also saying that if interest rates move it “would be an increase rather than a cut.” These are those carefully scripted hints that we mentioned earlier. People (you and me) need to plan for interest rates to start going up before too long.

     Interest rates today are very low. This means that even a small increase has a big impact, even a 1% increase means big changes. For example, if you have borrowed £200,000 for a mortgage you might be paying it back at 2% interest. If interest goes up by 1%, so you are now paying 3%, then your monthly payment would go up by £100. For a normal family, finding an extra £100 every month in order to pay the mortgage, would be hard. Interest rates on other borrowing would also go up. Do you owe money on your credit cards? Have a car loan? Be prepared for the repayments to increase.

     We need to be wise, to start planning now for what is likely to happen in the near future. Listen to the hints.

Letters to a Sister : 11


Letter to a Sister 11

Returned home from Brazil on Wednesday. Was a night flight, so very confused time wise.

At the airport, I decided to change my Duolingo app from Portuguese (no longer needed) to Japanese. Unfortunately, the only Japanese that Duolingo does is for Japanese people who want to learn English. So the lessons taught me how to say “boy”, “milk”, etc. As my English is already fairly good, it wasn’t particularly helpful.
However, I had not realised this until I had actually downloaded that bit of the app. All the instructions were now in Japanese. I had no idea how to get back to the menu bit of the app. I spent ages pressing random things in the hope I would return to the menu page.
Finally gave up and went in search of a Japanese person. Found a Japanese man hiding behind a newspaper in the lounge. Explained my problem (which he seemed to find amusing.) He then had a look at the app, spent a long time exploring the lessons, said they were very good, but was also unable to find the menu bit. Am suspicious that he was just pretending to be Japanese, was probably a Korean spy or something. I still cannot use the app.

Was pleased to find house still standing when we returned. Two boys (who are really men, but they will always be boys to me) had cleared away all evidence of wild parties and all my animals were still alive. There is a suspicious smell in the utility room but I cannot find the corpse.

The kittens are thriving. They’re still all living in the garage. They are named after my childhood favourites: Milly Molly Mandy (favourite book when I was three) and Mary, Mungo and Midge (favourite programme when I was three.) We gave Mary away and she is now called Minerva, which kinda fits with the theme.

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Mandy was born first. She is Molly’s only kitten, is bigger than the others and clumsy. I think she may be special needs – has bit of a ‘vacant’ expression.

 

 

 

 

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Mungo will be the house cat. She is very friendly, has long soft fur and purrs really loudly.

 

 

 

 

 

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Midge is the boy. He has wiry fur, attacks everything (have big hopes for him as a mouser). He also has this annoying habit of pouncing on your calves as you are about to leave the room and running up your leg. Painful if you are wearing shorts.

 

 

 

 

They are all pretty much weaned. Milly and Molly are driving me bananas (they’re in season again and desperate to go out and find a man.) They will be taken to the vets and spayed on Monday.

One chicken had gone broody when we got home. The boys had removed the eggs but she had collected six (a days worth) and decided that was enough to make a nest with. I turfed her off and took away the eggs (otherwise all the other hens will go broody too. I really do not need more chicks.) She was very cross and swears at me now whenever I go up to see them but I am unrepentant.

The ducklings are all full grown and beautiful. A real mix of colours (so those ‘pure’ silver call ducks I bought at the country fair were clearly not especially ‘pure’! Not that it matters, they’ll all just live on the pond.)
They are all still living in the aviary, when I get time I’ll clip their flight feathers and then let them onto the pond. Once they have learnt the pond is their home, it doesn’t matter if the feathers regrow and they start to fly, they still stay around the pond and garden and Kia helps me round them up each evening and put them back on the pond.

The ducks on the pond seem okay, though some are getting old now. The two black ones have white feathers coming (the duck equivalent of going grey.) I’m not getting any duck eggs because the horrible rats are back in force. Really need to get those cats back outside.

Take care,
Anne xx

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The Hiccups of the Chinese Stock Exchange


The Hiccups of the Chinese Stock Exchange

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     The Chinese economy is growing at 7% per year and has been doing so for a decade. It is a very healthy economy at the moment. Companies are doing well and China now has a good working stock exchange, so it is possible to buy shares in Chinese companies. So should we? Should we be taking advantage of the healthy Chinese economy and investing our money?

      We first need to understand about shares and the stock exchange. A stock exchange is simply the place where shares in companies are bought and sold. The average value of all the shares on the exchange tells you how companies are doing. If we look at the Chinese stock exchange, from July 2014 to May 2015, the average value of shares more than doubled in value. If you had invested £200 in July 2014, by the end of May 2015 it would have been worth over £500.

ImageSource: Bloomberg

     However, before you rush out to buy shares in a Chinese company, you need to know that today (July ’15) those same shares would be worth less than £400. The Chinese stock market is crashing. Why? What is happening? Their economy is growing steadily but their stock market seems to have hiccups – big jumps followed by big slumps.

     We first need to consider what actually decides the value of a share. Firstly, a share is part ownership of a company – a ‘share’ of the company. So if the company is doing well, the share should be worth more. So if you own 1% of the company (have a 1% share) and that company doubles its income in a year, then you will either receive your share of that profit in a dividend (a cheque in the mail) or your investment is worth more (you can sell it and make a profit.) So, if the Chinese companies are doing well (which they are) you would expect the shares to be also growing steadily in value.

      In the long term, this is likely to be true. The steady growth of the companies will be reflected in a steady overall increase in share values. However, in the short term it is more erratic. Why? What else influences share prices?

      The second influence on the value of prices is supply and demand. Confidence in the Chinese market pushes up prices of shares. (Refer back to the article on market places if you are unclear on this. Remember, it’s just like ebay. Something that is popular will go up in price.) Global confidence in the Chinese market pushes up share prices. The share prices might even be higher than the value of the company itself.

     An example of this (though not a Chinese one) is Uber. In London, only black cabs can be hailed. Regular taxis have to be prebooked. Uber has created an app whereby a customer wanting a taxi can ‘order’ one on their phone. Any taxi who is part of the Uber scheme can respond and pick up the customer. It links taxi drivers and passengers. Excellent idea. I predict the company will do well. Unfortunately for me, lots of other people also think it will do well. That has pushed up the price of its shares, because lots of people see it as a good investment and want to buy them. According to the share price, Uber is worth twice as much as Sainsburys (though Sainsburys is probably worth a lot more as a company.) If I want to make money on the stock exchange, I need to be ‘ahead of the pack’. When everyone notices the same trend, it pushes up the price of shares, which lowers the likely profit from a short term investment.

     Now, the Chinese stock market is unusual because the overwhelming majority of shares are owned by small time Chinese investors. It is a culture that likes to gamble. The share holders are not interested in long term investment, they want short term profit.

      The Chinese stock market is very new (has grown up in the last five years) so people have not really seen any big ‘crashes’. It is seen as a safe bet. This is a bit like when we bought our first house. We had only ever experienced house prices going up, we assumed that a house was a ‘safe’ investment. It was something of a shock when houses prices plummeted at the end of the 80s.

      At the moment, small time investors see the Chinese stock market as a ‘safe’ investment. A lot of people are investing in, gambling on, the stock exchange. The share prices have become driven by rumour and speculation as people try to predict the future value of companies. The stock market has become more linked to crowd behaviour and less to the real value of companies. This explains the hiccups.

Letters to a Sister 10


On Friday, we had quite an adventurous day!
At 6am, we met Alecs in the hotel lobby. We had booked a tour via the hotel to Ilha Grande ( ‘Big Island’.) We were told we would drive from the hotel to a village, get a boat to the island, then hike for three hours through lush forest to beautiful beaches.
This was all true. However, they omitted to tell us a few things:
1) Friday is the WORST day for traffic in Rio. It took us two hours to leave the city and about three hours to get back in the evening.
Alecs did a coffee and washroom stop ( nice clean facilities!) so it was okay, but it wasted a lot of the day.

As we drove we saw police had stopped vehicles in various places. They carried machine guns. There’s a VERY strong police presence in Rio. On the boat another passenger had a hand gun. Turned out he too was a policeman.
Also saw more amazing wall art/ graffiti.
2) When we met Alecs, he advised us to go back to room and change into sturdy shoes, long sleeves etc, needed proper hiking stuff.

3) The hike was long and steep. We basically walked/ scrabbled/ climbed for over an hour UP a mountain track. When we remembered to look up, it was beautiful but it was hard going, narrow paths, slippery clay covering rocks, very steep. Needed to concentrate on not falling.
We then walked/ slid for an hour down the other side.

Finally reached the beach to find the track ended on a ten foot high rock, with a rope. No other way down. Had to abseil down to the beach. Lots of screaming from Barbie, which was helpful as allowed me time to gather my thoughts and watch how to do it.

4) Beach beautiful and had cafe with loo. Only permitted a quick rest, then trekked for another hour and a half to next beach. No abseiling this time ( its surprising what you come to appreciate!)

It was not such a steep walk, though did begin with climbing a 45 degree slope of granite. Not so easy with tired legs and sand slippery shoes.
Made it with no major injuries, though I did slip at one point and jar my wrist. Luckily didn’t slip into one of the trees coated with four inch long spikes ( which they used to use in blow guns as weapons.)

Arrived at second beach. Saw black vultures ( prob waiting for exhausted hikers.)

The third, most beautiful beach, was a further hike, then a return to second beach for boat out. We opted to stay at second beach. Barbie and Ken went to third beach, said was big, beautiful, and they saw monkeys. I can live without seeing it.

5) Getting on boat back to island village involved two floating piers connected by a narrow walkway at 50 degree angle. Bit of a challenge.

6) Boat to island village small, on big waves in open sea. Not wearing life jacket, aware would sink like a stone in heavy boots.

7) Speedboat to mainland fast but cold ( needed a coat.) I was not overly reassured by ‘lookout’ man who was checking for floating debris because if we hit any we would flip over.

Also somewhat bemused by other passenger, a disheveled elderly man who closely examined our bags and then very slowly extracted a bic razor from his back pack. I was too exhausted to do more than giggle ( slightly hysterical by this point.) – Old man then slowly shaved his face as we went. Unexpected.

On way back to Rio, car ran over an abandoned cone ( heavy traffic, safer than swerving to avoid it.) Was removed from under car by man with shovel at petrol station.

Satnav kept recommending we leave the traffic jam and take a side road. Alecs said the route would take us through two favelas and might not be safe. I’m glad he didn’t, felt I had had enough adventure for one day.

Take care,
Anne xxx

Letter to a Sister: Brazil


Tuesday 23rd

Spent day in car, driving from Afogados to Recife. Six hours. Tried hard to not need washroom at the service stops, when finally relented it was the cleanest public washroom ever! Decided I need to start a ” World Wide Washroom” website, get people to grade toilets around the world. Will give it some thought.
Went to restaurant for lunch. Was a buffet. Unlike yesterday, this time I knew that I had to weigh the food BEFORE I started eating it, as it’s paid for by weight. ( Don’t ask about yesterday….)
Dropped some of the team at the airport. Rather sad the team is breaking up, it has been an intense few days but we all seemed to get along, no obvious tensions and lots of laughs.
Checked in at Cult hotel. Same room, duct tape still safely in place.
Walked along beach front. Despite the warnings everywhere, even behind every room door in the hotel, we did not see any sharks. There was even a man swimming and I waited for a few minutes, camera poised, but nothing, not even a fin.
Went to a market. Was either setting up or closing down. Bit naff. Didn’t buy a cushion cover. Ken didn’t buy a hammock. Walked back along front. It was getting dark but Luiz said in a lit area, a group would be fine. Started to rain, then poured. Very warm, so rather nice. Until we remembered were travelling the next day and had no way to dry clothing.
Ate pizza, then said goodbye to Luiz. Was sad saying goodbye, hope to see him again some day. He’s eighteen, has learnt English to a level whereby he can earn money translating. He lives in the favela with his family. When he left us, if the rain continued for more than a day, he would need to help move all their belongings onto tables to escape the flooding. His bit of the world is very different to ours, yet when he was joking with David, showing us round, discussing music, you realised that he was the same, was no different to our boys.
People like him are working hard to improve their lives, to live in communities that have a decent infra structure and less crime. The church is helping with the community – he told me that now, during daylight, there was no fear where he lives, they don’t have much stuff but they work together, growing up he has been surrounded by friends. Tearfund is helping with the infra structure, lobbying the government to improve flood control and provide amenities.

Wednesday 24th

Early flight to Rio. When we landed in Recife a few days ago, my bag was squashed and the zip damaged ( with tyre marks on it.) When we left, with the same airline, they made us sign a disclaimer, saying that said bag ( now secured with duct tape) would not be their responsibility if duct tape should fail. So wished my Portuguese was good enough to have explained that THEY caused the damage in the first place! Shall compose a letter when I am home. Cannot really recommend TAM airlines, not for customer service anyhow.
Bag arrived in one piece ( did not have to pick single items of clothing from conveyor belt. Taxi to Caesar Park Hotel. A few days holiday now.
Am really tired. I came up to room ahead of David. Pressed floor number in lift but we sailed past it to 23rd floor. Know that some lifts you need to wave room card above number, so did that but it still didn’t light my floor. Had visions of spending all day going up and down lift shaft. Thankfully another guest spotted what I was doing and showed me the slot where you have to put card before it will accept floor number. Will have a nap now I think.
Take care,
Anne xx

If you enjoyed this, you will love my new book: The Sarcastic Mother’s Holiday Diary.
I have always written a diary on holiday, so last Christmas, I decided to find all my old diaries and blogs, and make a book for my children. However, several other people also asked for a copy, so I have written a public version – it’s available on Amazon and has been described as “The Durrells meet Bill Bryson”!

Why not buy a copy today? I think it will make you laugh.

The US link is here:

https://www.amazon.com/Sarcastic-Mothers-Holiday-Diary-ebook/dp/B07N95281F/ref=sr_1_1?ie=UTF8&qid=1549015525&sr=8-1&keywords=the+sarcastic+mothers+holiday+diary

The India link is here:

https://www.amazon.in/Sarcastic-Mothers-Holiday-Diary-ebook/dp/B07N95281F/ref=sr_1_1?ie=UTF8&qid=1549015429&sr=8-1&keywords=the+sarcastic+mothers+holiday+diary

The UK link is here:

https://www.amazon.co.uk/Sarcastic-Mothers-Holiday-Diary-ebook/dp/B07N95281F/ref=sr_1_2?ie=UTF8&qid=1549014970&sr=8-2&keywords=the+sarcastic+mothers+holiday+diary

 

Letter to a Sister: Brazil


Monday 22nd June
Yesterday was a day off, which was good. Had hotel breakfast: melon, cake and something like a set egg custard. Not unpleasant.
Saw a capuchin monkey in a tree in hotel garden. Very cute. Then had lazy day. Drove around town, did very little. Didn’t go to a church as they were all a distance away and started at 7pm and Tearfund has a policy that you shouldn’t drive at night in developing countries for safety reasons. It gets dark really fast here. Dawn is 5am, dusk is about 5pm and it’s pitch black by 5:30. Same all year round. No seasons, except that June and July have more rain.
Today we drove to see three rural projects. The charity tends to work with women and teenagers. This is partly because there is a lot of domestic abuse and it helps to empower the women and girls if they have a trade, are not at home all day completely dependent. It helps them have a sense of self worth, have rights ( at the very least the right to not be abused.)
They have also found that when a woman earns money, she tends to use it to improve the whole family. If men earn money, they tend to get distracted and spend it on alcohol, gambling, etc.
The first project was a small farm. Originally it had provided food for just the family, sustenance farming. This left no safety net if crops failed, more money needed for improvements, etc. The charity provided knowledge and tools. The women now produce enough to provide for their families and also sell some. We saw a warehouse where they were preparing the food – fruits, bread, honey – for sale. Some goes to market, some is sold to the government for schools and hospitals and the proceeds then ploughed back into more charity work in the community.
We went to see Rosa ( so wish I could show you a photo of her house but cannot figure out this machine!) We sat on brightly coloured furniture in her little sitting room. The walls were bright red, strewn with pictures of Jesus and photos of her grandchildren. There was a large tele with a statue of Father Christmas on top ( wondered if her grandsons have the same sense of humour as my boys and they were ‘gifts’ or if she had chosen it.) The internal doorways had no doors, just curtains. There was no ceiling and you could see up to the roof tiles ( which had big gaps in them.) It wasn’t a bad house – as long as it didn’t rain. Not quite sure what happened to the tele when it did.
We went off round her garden. Saw lots of the normal crops ( onions, marrows) and also bananas, cashew nuts, medicinal herbs. Her kitchen had huge freezer where the produce could be crushed, bagged and frozen ( the charity had given her the crushing and bagging machines and helped sort out the irrigation system. It was a really dry area.)
Drove to next project. Saw big expanses of arid land with a few shrubs and tall spindly palm trees. Also saw lots of donkeys pulling carts of stuff and even two oxen pulling a cart of logs. Would be SUCH a cool photo. I have lots of blurry ones. Mainly of trees. Lots of animals as we drove: goats, hens, cats and dogs everywhere we go.
Went to San Jose do Egypt, which translates as ” Saint Joseph from Egypt”. They had never heard of the Technicolour Dream-coat musical and were somewhat bemused when Barbie started singing it to them (so were we.) Went to cafe for lunch. Everywhere much cleaner than I was expecting it to be. We were advised to not eat the salads, which was a shame as they looked fabulous.
Went to a bakery. Charity had again provided equipment and education. It was MILES. From anywhere. Was so glad they had a toilet ( very bumpy track to get there.)
We got out the van and the heat from the sun was boiling, so hurried into the bakery. Then we nearly melted. Was like entering a furnace. They keep the door shut so the flies stay out but opened them when we arrived ( so it immediately filled up with flies. Glad they don’t make currant bread.) Two girls and a teenaged boy worked there. They showed us how all the machines work, made some bread and cooked some rolls in the wood fuelled oven. We then ate warm loaves and coffee. The best coffee ever, even in a disposable plastic cup that burnt your fingers. Hot, black and sweet.
Luiz translated for us. We asked him to ask them what they had for lunch. Not bread. Bread is for dinner, pasta is for lunch ( was not the silly question we had all assumed.)
Drove to a bee farm. Luiz now censoring our questions. When David asked him to ask the Bruce Springsteen look alike farmer what instrument he played, he checked with me first if that was a serious question ( it wasn’t.)
Looked around the farm. Tearfund had provided funding for wells to be dug so production could increase ( it’s a semi arid area, lots of cacti) Saw the bees. Saw turkeys ( which really do ‘gobble’!)
Then had one of those horribly awkward moments when the granny on the farm called us all into her house and sat us down for drinks and snacks. She had prepared vats of juice for us, all prepared with local water which would have made us ill. Luiz had disappeared, she had gone to a lot of effort, we didn’t want to offend her nor be ill all night. I used my best Portuguese and apologised that we couldn’t drink it because….. had to mime last bit, my Duolingo app never taught me how to say that! Thankfully Luiz came back and explained a bit better. Felt bad. Difficult situation. Escaped to car.
We drove for miles on unmade tracks. Passed lots of small farms. They have no address, no street names. Also the area is about to be flooded as they are building a huge dam. All the farmers will have to be rehoused. (Our bee farmer and fruit juice granny will be okay, are out of range.)
Drove back to Ant Hotel.

Take care

Anne xx