Are retired people allowed to have opinions?

Now that I have been retired for two years, I realise that when I was working I was unconsciously biased against retired people. I believed that they should not have opinions about business, politics, or pretty much anything else. There are two reasons for this – retired people have outdated ideas and they no longer contribute to society. And therefore their views have no value and should be ignored.

Now that I am retired it will not surprise you that my beliefs have changed. I like to think my own opinions are relatively progressive, and while my tax contribution may be less than when I was working, I have time to think, perspective and experience. If I were to follow my own stereotype I would also now be believing that young people’s opinions have no value. For instance, how can a 16 year old have the vote (which they do in Scotland) when they have no understanding of life, and are distracted by adolescence?

In reality I am trying hard to balance all my ageist biases with tolerance. Telling everyone which pronouns I want seems odd to me, but I understand that it is fundamental to some. Continuing to rally behind Brexit despite the economic evidence, seems nonsensical to me, but I understand that for some, it is the basis of British sovereignty. Keeping a narrowboat on a 48 hour mooring for a week is against the rules and therefore makes me judgy. But it is January. Does it really matter?

I conclude that retired people like me are allowed opinions. And so are young people, middle aged people, people of different faiths, races; people that are very like me and people that are quite different.

Or is having an opinion so important, I should not be tolerant of the contrary view. What do you think?

Ten reasons Christmas is my favourite day of the year

Christmas is my favourite day of the year. Always has been. I wonder why.

My tree
  1. I love the anticipation. Probably more than the day itself, I love the run up – getting things prepared, making plans, organising.
  2. For a little while everyone seems friendly. When I am out walking the dogs, strangers greet me with a “Happy Christmas” instead of ignoring me. People all seem to smile a little more, be more patient.
  3. I like food. I like drink. I realise it can be excessive, especially the Christmas lunch. But there is a generosity in excess that I love.
  4. So many happy memories of Christmases past. As a child excited to find out what Father Christmas had left. As an adult making it just right for my own children.
  5. I love the carols and ceremonies. My Dad was a vicar, and even just the smell of a church at Christmas reminds me of the time when we came out of a midnight service to find snow falling on Christmas Day.
  6. I love the decorations, the tree bedecked with baubles and tinsel, the cards around the rooms, the lights.
  7. I love hearing from distant friends. Even if it is just a note in a Christmas Card once a year, it maintains the connection. We had a visitor from New Zealand this week, who we had only seen once in the past 30 years. But we had stayed in touch at Christmas and it made this week’s visit possible and memorable.
  8. Cold is good. I much prefer cold weather to hot weather. Last week in particular was crisp, bright and very cold. Nothing better than going out for a bracing walk, and then returning to a warm house and a wood burning stove.
  9. I really like Christmas films. I am a real weeper for soppy films and they don’t get much more soppy than at Christmas.
  10. It is all about family. We are fortunate enough to have our sons with us this year, and I am so looking forward to our time together – playing games, eating, drinking, chatting, slobbing.
My fire

On the narrowboat, the dogs food is kept in an old Christmas tin, with the label “It’s the most wonderful time of the year”. Hardly a day goes by through the summer, when I don’t hum the song to myself, because for me it is true.

To my blog followers and readers, whatever your faith, I wish you a very merry Christmas and hope you too enjoy a bit of seasonal magic this year.

Is there any point in a static narrowboat?

This week we are back at the narrowboat, moored in a marina near Chester. The weather is very autumnal – strong winds and rain. So we are not travelling. We have the warm stove on, are watching Christmas movies and walking the dogs.

You may wonder what the point is in coming to the boat of we aren’t travelling. Well I don’t really understand why, but when we arrive we immediately relax. Even the dogs find a comfy spot and curl up. Years ago we used to part-own a static caravan and that had much the same feel. It is as if all the worries of the world are left at home and we can chill.

Some canal boaters never move their boats. I heard this week of a new “wide beam” coming to this marina, which is too wide to travel through the bridges from here, so will be marooned. The owners don’t care. They just like staying on the water. The marina owners also recently installed five floating pods which can be hired by anyone. They are booked out at weekends, even at this time of year.

So I do get it. And I am really enjoying this week. But I confess that a little part of me can’t wait till the spring, when we will be off on our travels again. It’s like people that enjoy cruise ships. Some just want to stay on the ship. Others enjoy the facilities but want to see new things, meet new people.

Which would you prefer?

How important is central heating?

It has been cold this week – around 3°C. Unfortunately our boiler broke down – no heating and no hot water. Fortunately we have a service contract and so were able to call an engineer out. Unfortunately his temporary fix only lasted overnight. Fortunately we have a wood burning stove. Unfortunately it is not working very well because the chimney has not been swept for four years. Fortunately, with new kindling and some TLC we have managed to light it. Unfortunately it does not heat the water or the radiators.

Error 43 – no continuous flame

When we are in the house we get very used to utilities always working. You turn on a switch and the lights come on, open a tap and there is fresh clean water, click on your phone and the Internet is available. And without thinking the house is warm when it needs to be, and you can have a shower whenever you like. It is all very easy and when something does not work we get resentful, angry, confused.

It is very different on the narrowboat. There are three ways to heat the boat – the engine, a diesel stove or the Webasto boiler. The reason there are three ways is that often one or two ways are broken or inconvenient to use. The electricity is always on our mind. The solar is great in the summer but not in the dark, cloudy winters. The engine charges the batteries well but only easily when we are travelling. There is a mains hook up where we are moored in a marina, but we have to remember to top it up, or we will be cut off. And water is not always available. We have to remember to find a working canalside tap every couple of days to fill up, and once a year to disinfect the tank. As to the Internet, things are massively better than even a few years ago. We have a mobile powered WiFi router and can also tether to either of our phones which we have deliberately contracted with different networks, to maximise coverage. But it ain’t “always on”.

I wonder, is it better to have the ease and comfort of living in a house, with the consequent panic when something does fail. Or to live off grid on a boat, where it is harder work, but you understand it better. I’m not sure. I just know I don’t like being cold.

Fortunately the engineer is back today with lots of spare parts. And if that does not work, we can go back to the boat.

What is your view? Perhaps you believe that with sufficient layers of clothes, we do not need heating?

Going on a road trip

While we have been travelling on the narrowboat over the past two years we got to visit a lot of friends and family we had not seen since lockdown. But there were a few we missed out so this week we set off on a road trip. I am writing this in a cozy pub hotel near Stratford on Avon. This morning we are off to Hove in Sussex to see one of our sons. Then from there we travel to Surrey to stay with our sister in law, and then on to a vast mansion on the south Devon coast, where some friends are house sitting. From there it is to the far end of Cornwall, to stay at the Pig Hotel, where our other son is working. Back via Salisbury to see my Mum, and then to a village near Cambridge where Mandy’s Aunt lives. Finally we stay with Mandy’s brother in Lancashire and then home to Scotland via our friends in the Yorkshire Dales.

It will be quite an adventure and a good run out for our new car. Our old Qashqai had served us well for five years but was costing us more to maintain than it was worth, so after much prevaricating we have opted for a 2019 Kia Sportage. It is absolutely fine to drive but petrol heads will be disappointed that the main criteria for purchase were space in the boot for our dogs’ crate, and lots of “toys” inside like sat nav, apple play, parking camera. Immediately after signing for the car, I felt a bit of post purchase dissonance – would an XC40 have been more sensible, could I have negotiated a better deal, would a 2020 model have been better? But now we have had it for a few days, I am happy. It will do us very nicely.

Some of the route aligns with canals we have traversed this year. Journeys that took us several weeks in the boat are completed in a few hours. I prefer boating because you see so much more on the way but I admit I am enjoying being able to go left and right as well as straight on, as we do on a canal. When we see friends from the boat, they sometimes suggest meeting at some pub in the countryside, and we have to point out that the narrowboat is not great across land!

So on with the trip. It may not be Route 66, or even the Highlands North Coast 500, which we enjoyed a few years ago, but I am excited. I quite enjoy this retirement lark.

Getting my eyes tested

It is over three years since I last got my eyes tested, so this week I popped over for a test to my friendly optician – Robert Callendar in Linlithgow. The good news is that my eyes remain healthy and my prescription is unchanged. I was happy because I thought I could keep my existing glasses, but Robert was in sales mode and persuaded me otherwise.

I was born short sighted and wore glasses till I was about 40, when I had my eyes lasered to get 20-20 vision. I loved not having to wear specs, and I still would rather not. But a few years ago I realised that I could not read small print, and got some reading glasses. Then, when I had my last test, I found my distance vision was also deteriorating, so I got some glasses for driving and watching TV. Now I have the two pairs, but most of the time I do not wear any.

The optician suggested I get some varifocals, so that I could wear them all the time, without worrying about where they are, but I am holding onto my identity as someone who does not wear glasses. If my prescription had changed I would have been persuaded, but I did not want to spend money. This is where my salesman optician got smart. Rather than continuing to argue for varifocals he just asked whether I had been wearing sunglasses on the narrowboat this year. Apparently not wearing them at my age on sunny days can lead to cataracts. That did make some sense and when I mentioned we were hoping to go skiing this year his eyes lit up.

So I have ended up ordering some fancy Bolle prescription sunglasses, with rose-blue lenses which apparently are best for bringing out contrast on the piste.

I do feel as if Robert has stolen my wallet, but I am pleased my eyes have not deteriorated these past few years, and I am looking forward to testing out my new sunglasses. As Huey Lewis said, “The future’s so bright, I gotta wear shades”.

Why have a financial advisor?

In the UK we have had a pretty volatile week in the markets after what seems like a crazy mini budget, giving away millions in tax cuts, funded by massive borrowing. In a country usually noted for financial sobriety, it has been a shock to feel like a banana republic. This crisis coincided by chance with the six monthly visit from our financial advisor, Neil. We have worked with Neil for about six years. We pay him quite a lot for his advice, You might ask why we would do that, when post retirement, we have reasonably simple finances. No money coming in, and the savings pots not changing very much. The reason we work with Neil may surprise you. We value his life advice as much as his money advice.

When we started working with Neil, his main questions were not about things like our risk appetite and pension valuations. Yes he dealt with all that stuff, and we have done a mix of things with our money. But – the questions were about what we wanted to do with our lives. He would then work to make our money fit our choices. Our answer was that we had always talked about retiring early and owning a narrowboat. He told us that the disappointing thing was that many people have dreams about retirement, but very few actually fulfil them. The temptation of working just a few more years is too high, either to get more money, or because they don’t want to let go of the status work gives them, or simply because of habit.

Around this time, a very good friend passed away suddenly. He was younger than either of us, and it was a shock that reinforced Neil’s advice. If we had this dream, why not follow it. So we bought the boat pretty much immediately. And we put a date in our minds for retirement – end of 2020. I did wonder if having made that decision, work would start becoming boring as I trudged through it to retirement. But in fact it reinvigorated me and my last couple of years working were amongst my most fulfilling and successful. In the final three months I started reducing my hours to get myself ready, and on 2nd January 2021 I retired and we set off on our new adventures.

It was good advice from Neil, and that is still what we get. When we met him this week we were talking about moving house, something we have talked about for a few years. We have prevaricated because we could live anywhere and it has been hard to choose. We seem to be narrowing down on the North West of England but are not sure. Neil’s suggestion is to sell up, rent somewhere where we think we want to live, and take our time to see if it is right for us. With likely falling house prices, we are unlikely to lose. He also told us not to scrimp on what we spend on a new house because it is “just changing asset classes”.

Good advice. Mind you, after this week’s mini budget, maybe we would be better off living outside the UK. What do you think?

What is a night at the museum really like?

Last weekend we spent a couple of days at a very special mooring. Ellesmere Port is a run down small industrial town, on the south bank of the river Mersey and next to the Manchester Ship Canal. It does not have much to commend it, but it does have one gem. It is home to the National Waterways Museum. The old port is at the end of the Shropshire Union canal, where is meets the ship canal to the sea. It was once a thriving area, employing hundreds of people loading and unloading goods. After years of neglect, in the 1970’s a group of volunteers got together to clean it up and turn it into a boat museum. They did an amazing job and today it houses several acres of old buildings, exhibitions, boats and history. And best of all, we got to moor overnight in the middle of it.

We stayed for a couple of nights, and during the day got to visit all the exhibits and look around the town. But even better, in the evenings, the staff locked up the museum gates and we were left all alone. We had a special key so we could get in and out, but I loved wandering around the museum with the dogs, taking a close up look at the old terraced houses, the heavy port equipment, the boats themselves. It was kind of spooky although I did not see any ghosts. I could, however, imagine the dock workers busy in the docks, and the boat owners, living in their tiny cabins, behind a large barge full of coal or grain.

We are nearing the end of our six month narrowboat trip for this year, and this was a great experience to add to the memories. A night at the museum may not have been quite like in the movies but it was something very special nevertheless.

Welcome to the wonderful city of Chester

This week we took the Shropshire Union canal down into Chester, an ancient city that grew up from a Roman garrison settlement called Deva. The Romans built it here because it was roughly in the middle of the area of the UK they had conquered, it had good Roman road connections, and at the time it had good access to the sea through the river Dee. After the Romans, it continued as a successful medieval port city, and the Normans developed it further with a castle, a large cathedral and extended city walls.

Along the city walls, overlooking the canal.

These walls are possibly what Chester is most famous for. I walked a couple of times all the way around them, there are fine views across the countryside up to the Wirral and down to Wales. You can look down on Chester racecourse. You can see the Roman amphitheatre and ruined columns in a garden. The north side has the canal running alongside, utilising what once would have been a moat.

We moored up in a basin near the city centre, and just across from Telford’s Warehouse, a large pub, based in the headquarters of Thomas Telford, who built this canal. We had a fine meal with excellent craft beers, and even more excellent company of two of our nieces and a new boyfriend, who had to undergo a full inquisition from me and Mandy, testing for suitability. He passed!

The weather has turned this week and it has become wet autumn. But we have slowed down our travelling as we near the end of our summer on the boat, so a bit of rain can usually be avoided. And that has given more time for visiting Chester. Next year we plan to do a little less travelling and a little more visiting. Perhaps after two years, we are realising that retirement is more a marathon than a sprint.

Lovely city, Chester.

Should pubs change?

As I have travelled the world I have been in many bars, but have never found anything quite like a British pub. There are caricature “Irish Pubs” in many a city, but they just aren’t quite the same. Perhaps it is the inclement British weather that means we desire cosiness and that is what is different. Perhaps it is our unusual taste for warm beer. But today let me tell you about my favourite pub.

The Anchor Inn, High Offley, Shropshire

In 1987 we were on one of our first narrowboat holidays, doing the Four Counties Ring with friends. We stopped one night in the middle of nowhere and came across this pub, the Anchor Inn. The postal address is High Offley, a little village in Shropshire, but in reality it sits by itself, next to the canal. Presumably it was a farmhouse that started serving drinks when the canal was built, around 1830.

Although it looks reasonably large on the photo, the pub itself is just two small front rooms in the house. When we first found it, all drinks were fetched from the cellar. Nowadays they have electricity and chilled lager and cider on tap, but if you want a pint of real ale or scrumpy, they still go down into the cool cellar to get it.

Since 1987, we have visited maybe ten times. It is far too out of the way to be a regular haunt. But a few times making a special effort driving, and of course whenever we travel the Shropshire Union Canal, we go to see if it has changed. Sadly, Olive, the landlady for over 50 years, passed away last year. But her daughter has taken over and it is just the same. This week, the conversation in the pub was all about narrowboating. Where have we been this year? What have we seen? And the Wadworth’s 6X was served perfectly.

I know that over the years British pubs have had to change to survive. Most now serve good food, and have light, airy spaces. I do like those pubs. But sometimes it is nice to find favourites that have not changed, and the Anchor is one of them,.

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