Category Archives: Rants&Rambles

Shortfall

It’s amazing what happens when you meet the right person. All of a sudden lifestyle and family choices that seemed totally daft become a possibility.

So like lots of women, but certainly not according to the plans of my younger self, I had children, and having had the children when the work became less fun and the kids became more (basically toddler+ for me but everyone has their own ideas) I stopped working and stayed home to look after the kids. Well, look after the kids, play lots of tennis, have a good time and manage an investment portfolio.

It wasn’t quite the stereotype I had in mind as a kid, but close enough for strangers making deliveries to feel entitled to query my title and expect me to wait in on them.

Ho hum.

In the UK we have a system whereby you pay tax known as national insurance which entitles you to amongst other things, a state pension.

The UK state pension is amongst the most miserly in Europe, at just £6,200 per annum, but it’s index-linked and to buy a comparable annuity would cost me something more than £250,000. An asset worth quarter of a million pounds is worth having.

Whilst working, I was obviously contributing. Whilst looking after the kids, I acquired credits towards my state pension up until the youngest became sixteen and then, not unreasonably, they assumed I could go back out to work and start paying again.

Around the same time, 2016,  they also changed the number of years a person has to work from 30 to 35 in order to accrue the full state pension.

Long story. Short conclusion: I have a shortfall, a gap in my contribution schedule that can be made by making a voluntary contribution.

Each year that I failed to pay is priced slightly differently for no obvious reason but most seem to end up costing around £700. For that £700 I will be entitled to an extra £4 a week, index linked on my pension i.e. an extra £208 a year. To be worthwhile, I would need to survive 4 years post pension age, which in the UK , has also been moving ever further away.

All of this was determined after many phone calls to HMRC and to the pensions help line department. In order to determine my shortfall I had to ask for and receive an NIC statement. Before allowing me to pay any shortfall, HMRC insisted that I ask for and receive a state pension statement which predicts what my pension would be with a full contribution record, and with what I’ve already paid in. Interestingly they’re predicting the state pension will be worth around £8,500 when I retire, assuming they don’t push back the date even further.

At some stage in the telephone tree there’s a really annoying attempt to move you onto voice recognition software for security, without offering you a choice, just an assumption. If you want to refuse the option, your only choice is to stay silent when asked to repeat the stock phrase.

Ho hum.

For a woman of my generation, I can claim state pension from the age of 67. Average life expectancy in the UK for women is around 83 years old though there are huge local variations. As a white, middle class woman with no obvious health problems and no really bad habits (smoking, drinking regularly to excess etc) I could quite plausibly last to 90, but let’s assume the average age.

I will have a shortfall in my contributions for 12 years, which will cost me around £8,400 to make up, and gain me an extra £2,496 each and every year I survive past 67. If I make it to 70 then I’m making a profit. If I reach the average life expectancy, I’ve gained £14,976 at a cost of £8,400.

But of course most women aren’t in anything like as good a financial position. Most will have neither the cash set aside in their own name to pay this, nor the skills to go back into employment to a job that pays them a good salary. They may not have a clue as to how their state pension is calculated, how much they will be entitled to and whether it’s a good investment. They may be relying on their partner to provide for them in their old age, unaware of the rise in late life divorce, the impact of bereavement etc.

The UK state pension is arguably a pitiful amount, yet as a couple, it starts you off with a combined income of £ 12,400. Assuming that you’ve paid off your mortgage, it means you are unlikely to starve. You should be able to heat the house. Add into the mix a defined benefit pension from your employer, and maybe a defined contribution pensioner two from your partner to top up, and it should (fingers crossed) provide a good standard of living.

There are apparently three stages of retirement: Saga, named for the retiree travel company, when you basically live the dream of active retirement, travelling and having all of those adventures that you’ve promised yourself; AGA where you start to feel your age, still in good health but living life closer to home and less adventurous;and, gaga, when dementia sets in for at least one third of us, and your savings are used up paying for care in an often inadequate care home.

Back to that investment management…

Purpose

My teenage daughter told me she’d been thinking about the purpose of life. Cue internal recoil and “Oh no, where is this going? Are we going to have the God talk?”

Don’t get me wrong, I am as interested in the next person in the question, but I’ve never found an answer; I’ve never found a useful answer. Instead we went down a rabbit hole conversation best described as “all about me”.

My youngest is not traditionally big into introspection, and at times I’ve definitely worried that she understands herself so little, that she sees to be so out of control of her own reactions. But as she’s grown out of her toddler tantrums, and into a lovely young woman, kind and quick, with her own moral compass.

Still, should she be thinking more about who she is, why she reacts the way she does and whether those reactions are useful to her and to those around her.

Turns out introspection of that kind is counterproductive.

There have been a number of  studies looking at the relationship between self-reflection and outcomes like happiness, stress and job satisfaction. The people who scored high on self-reflection were more stressed, depressed and anxious, less satisfied with their jobs and relationships, more self-absorbed, and they felt less in control of their lives. What’s more, these negative consequences seemed to increase the more they reflected.

We can spend endless amounts of time in self-reflection but emerge with no more self-insight than when we started.

University of Sydney psychologist Anthony M. Grant discovered that people who possess greater insight — which he defines as an intuitive understanding of ourselves — enjoy stronger relationships, a clearer sense of purpose and greater well-being, self-acceptance and happiness. Similar studies have shown that people high in insight feel more in control of their lives, show more dramatic personal growth, enjoy better relationships and feel calmer and more content.

However, Grant and others have also come to realize there’s no relationship between introspection and insight.

This means that the act of thinking about ourselves isn’t necessarily correlated with knowing ourselves. And, in a few cases, they’ve even found the opposite: the more time the participants spend in introspection, the less self-knowledge they have. In other words, we can spend endless amounts of time in self-reflection but emerge with no more self-insight than when we started.

Why does this matter? After so many years of researching the subject of insight, it seems that the qualities most critical for success in today’s world — including emotional intelligence, empathy, influence, persuasion, communication and collaboration — all stem from self-awareness (TEDxMileHigh talk: Learning to be awesome at everything you do). If we’re not self-aware, it’s almost impossible to master the skills that make us stronger team players, superior leaders and better relationship builders, either at work or in the rest of our lives.

Introspection is arguably the most universally hailed path to internal self-awareness. After all, what better way is there to increase our self-knowledge than to look inward, to delve deeply into our experiences and emotions, and to understand why we are the way we are? When we reflect, we might be trying to understand our feelings (“Why am I so upset after that meeting?”), questioning our beliefs (“Do I really believe what I think I believe?”), figuring out our future (“What career would make me truly happy?”) or trying to explain a negative outcome or pattern (“Why do I beat myself up so much for minor mistakes?”).

Introspection can cloud and confuse our self-perceptions, unleashing a host of unintended consequences.

But other study results, along with Grant’s and others, appear to show this kind of self-reflection doesn’t necessarily help people become more self-aware. One study examined the coping style and subsequent adjustment of men who had just lost a partner to AIDS. Although those who engaged in introspection — such as reflecting on how they would deal with life without their partner — had higher morale in the month following their loss, they were more depressed one year later. Another study of more than 14,000 university students showed that introspection was associated with poorer well-being. Other research suggests that self-analyzers tend to have more anxiety, less positive social experiences and more negative attitudes about themselves.

In truth, introspection can cloud our self-perceptions and unleash a host of unintended consequences. Sometimes it may surface unproductive and upsetting emotions that can swamp us and impede positive action. Introspection might also lull us into a false sense of certainty that we’ve identified the real issue. Buddhist scholar Tarthang Tulku uses an apt analogy: when we introspect, our response is similar to a hungry cat watching mice. We eagerly pounce on whatever “insights” we find without questioning their validity or value.

The problem with introspection isn’t that it’s categorically ineffective, but that we don’t always do it right. When we examine the causes of our thoughts, feelings, and behaviors — which we often do by asking ourselves Why?questions — we tend to search for the easiest and most plausible answers. Generally, once we’ve found one or two, we stop looking. This can be the result of our innate confirmation bias, which prompts us to lean towards reasons that confirm our existing beliefs.

Asking “why?” in one study appeared to cause the participants to fixate on their problems instead of moving forward.

Another reason that asking why is not always so beneficial is the negative impactit can have on our overall mental health. In one study, after British university students failed what they were told was an intelligence test, they were asked to write about why they felt the way they did. Compared to a control group, they were more depressed immediately afterward, and these negative effects persisted 12 hours later. Asking why appeared to cause the participants to fixate on their problems and place blame instead of moving forward in a healthy and productive way.

So if asking why isn’t so helpful, what should we ask? A study by psychologists J. Gregory Hixon and William Swann arrived at a simple answer. The researchers told a group of undergraduates that two raters would evaluate their personality based on a test of “sociability, likeability and interestingness” they’d taken earlier in the semester, then they asked the students to judge the accuracy of their results. What the students didn’t know was that everyone’s results were the same: one rater gave a positive evaluation, while the other gave a negative one.

But before making their accuracy judgments, some of the participants were given time to think about why they were the kind of person they were, and others were asked to think about what kind of person they were.

The why students, it turned out, were resistant to the negative evaluation. As the paper’s authors muse: “Presumably, participants who focused on why used their reflection time to rationalize, justify and explain away the negative information.” The whatstudents, on the other hand, were more receptive to the same data and to the notion that it could help them understand themselves. The lesson here: Asking what could keep us open to discovering new information about ourselves, even if that information is negative or in conflict with our existing beliefs. Asking whymight have the opposite effect.

In the course of one research project,  a group of 50 self-awareness unicorns were identified: people we found who were rated high in self-awareness (both by themselves and by others) but who had started out with only low to moderate self-awareness. When we looked at their speech patterns, our unicorns reported asking what often and why rarely. In fact, when we analyzed the transcripts of our interviews, the word why appeared less than 150 times, but the word what appeared more than 1,000 times.

One unicorn, a 42-year-old mother who had walked away from a career as a lawyer when she finally realized that there was no joy for her in that path, explained it this way: “If you ask why, [I think] you’re putting yourself into a victim mentality …. When I feel anything other than peace, I say ‘What’s going on?’; ‘What am I feeling?’; ‘What is the dialogue inside my head?’; ‘What’s another way to see this situation?’ or ‘What can I do to respond better?’”

So when it comes to developing internal self-awareness, we should use a simple tool: What Not Why. Why questions can draw us to our limitations;what questions help us see our potential. Why questions stir up negative emotions; what questions keep us curious. Why questions trap us in our past;what questions help us create a better future.

In addition to helping us gain insight, asking what instead of why can be used to help us better understand and manage our emotions. Let’s say you’re in a terrible mood after work one day. Asking “Why do I feel this way?” might elicit such unhelpful answers as “Because I hate Mondays!” or “Because I’m just a negative person!” Instead, if you ask “What am I feeling right now?” you could realize you’re feeling overwhelmed at work, exhausted and hungry. Armed with that knowledge, you might decide to fix yourself dinner, call a friend or commit to an early bedtime.

However, there is one important exception to What Not Why.

When you’re navigating business challenges or solving problems in your team or organization, asking why can be critical. For example, if a member of your team drops the ball on an important client project, not exploring why it happened means you risk recurrences of the problem. Or if a new product fails, you need to know the reason to ensure that your products are better in the future.

A good rule of thumb, then, is that why questions are generally better to help us understand events in our environment and what questions are generally better to help us understand ourselves.

Liar Liar

President Trump, arguably the most powerful man in the world, the leader the free democratic world etc told public lies or falsehoods every day for his first 40 days

By the conservative standard of demonstrably false statement, Trump told a public lie on at least 20 of his first 40 days as president. But based on a broader standard — one that includes his many misleading statements (like exaggerating military spending in the Middle East) — Trump achieved something remarkable: He said something untrue, in public, every day for the first 40 days of his presidency. The streak didn’t end until March 1.

Since then, he has said something untrue on at least 74 of 113 days. On days without an untrue statement, he is often absent from Twitter, vacationing at Mar-a-Lago in Florida, or busy golfing.

The end of May was another period of relative public veracity — or at least public quiet — for the president. He seems to have been otherwise occupied, dealing with internal discussions about the Russia investigation and then embarking on a trip through the Middle East and Europe.

Sometimes, Trump can’t even keep his untruths straight. After he reversed a campaign pledge and declined to label China a currency manipulator, he kept changing his description of when China had stopped the bad behavior. Initially, he said it stopped once he took office. He then changed the turning point to the election, then to since he started talking about it, and then to some uncertain point in the distant past.

Trump has retained the support of most of his voters as well as the Republican leadership in Congress. But he has still paid some price for his lies. Nearly 60% of Americans say the president is not honest, polls show, up from about 53%t when he took office.

 

Sons

I have always been grateful to have my daughters. Perhaps even more, I have always been grateful to NOT have sons. raising boys to be human, to be caring empathetic people that you would want to spend time with, to talk to and engage with, just seems like really hard work.

It’s a job that in many ways involves a fight against societal norms that parents can never win.

Social

One of the reasons that the Tories won considerably less well than they were expecting in the last election, and why the decision to call an election at all may well come back to bite, was a seemingly poorly planned announcement during the campaign about adult social care in the UK.

Like most developed countries around the world the UK has an ageing population, a situation likely to accelerate once the Uk leaves the EU and it’s ready made source of young, fit healthy workers dries up.

Around one in three elderly people require expensive long term (i.e. more than a year) adult social care in a home, often because they develop dementia or have some other illness that requires complex day to day support. If you develop cancer, you will be treated in hospital courtesy of the NHS. If you develop Alzheimer’s Disease, attempts will be made to park you back at home or in an adult care home.

In the election, it was announced that the elderly would be expected to pay for their own social care if required upto £100,000 of the value of their assets including their homes. It was stressed that no one would be forced to sell their house before they died (no mention was made of dependents, mind) but the announcement was immediately named the “dementia tax” and may have been the reason why numbers of the over-60s turned out in fewer numbers than usual to vote Tory.

Not only did the furore about the “dementia tax” u-turn (“This is not a u-turn” being the most obvious alternative fact of the election) potentially undermine the Prime Minister and her overall credibility, it also revealed a media almost entirely ignorant of the harsh reality  faced by local authorities, older people and their families as a result of current national social care policy.

In addition, none of the 3 main political parties even came close to recognising this in their manifestos or to providing anything approaching a solution.

The excessive media focus on the possibility that older people may have to sell their own homes in order to receive care at home missed the central point:  social care is in crisis because of a lack of public funds. Leaving aside the £6.5 billion a year spent by the taxpayer on social care for younger people (i.e those under 65) the percentage spend on social care for older people is less than 0.6% of GDP. On top of this, since the spending review in 2010 the local authority social care budgets have been reduced by around 9% due to central government cuts.

As many families and carers up and down the country know, getting access to publicly-funded social care is extremely difficult – at a time when the population is getting older and the needs of the older population are becoming more complex an estimated 400,000 fewer older people received social care services over the last 5 years.

In addition, in order to make money go further, local authorities have limited the amount that they pay to the mainly for-profit care sector, which has resulted, over time in a decline in quality and care companies going bankrupt.

Around 25% of care homes are currently deemed inadequate, whilst care staff often get paid below the minimum wage, and are expected to deliver highly intimate home care services to older people in 15 minute time slots.

Publicly funded social care has now become a residual service. Local authorities have nowhere near the amount of money to deliver a service which enhances the health, wellbeing and independence of older people, and also prevents them from entering unnecessarily into the acute hospital sector. In fact, the last government legislated for national rationing criteria which restricted social care only to those deemed to have ‘substantial’ care needs.

As a result, anyone whose care needs fall outside that definition is left to rely on their families or fend for themselves – irrespective of their ability to pay. Yet, even though local authorities have reduced social care provision to such a residual level, they don’t even have enough funds to provide this – it is estimated that local authorities will need around an additional £2.5bn a year by 2020 just to provide care for those most in need.

It is this rationing of social care on the basis of need rather than ability to pay which many media commentators and analysts overlooked during the election. Despite the furore over “death taxes”, it is highly likely that the extension of the means test to include housing wealth – as is currently the case for residential care – would have a limited impact on the numbers of people who would have to pay for their own care.

It wouldn’t work anyway.

What is clear from all of this is that the Dilnot cap which all 3 main parties now appear to support is not the answer to the social care funding crisis on its own, as it promises no extra funds to raise the coverage of publicly funded care. Indeed, the idea of capping the liability of individuals and families so that they are not subject to so-called “catastrophic” care costs in old age was based on the policy assumption that there would be no substantial increases in public expenditure to expand the provision of social care for older people.

Instead, the solution to additional funding was thought to lie in the private insurance market – insurance companies would be incentivised to offer affordable insurance cover to older people as they would know that their liabilities would be capped to no more than £72k for each older person (or policy holder) who needed a substantial amount of care.

Once an individual (or their insurance company) had paid £72k for their care, the taxpayer would then pick up the rest of the bill. In addition, Dilnot also proposed that the amount of an individual’s wealth which could be taken into account when determining whether they were eligible for state care should be capped at £100k – thus protecting the inheritance of those whose parents had built up significant amounts of housing wealth but had been unfortunate enough to have needed care in old age.

The Dilnot cap – which the last coalition government put on the statute books, but never introduced –  is, in the short term at least, costly, inequitable, and would do little to address the current difficulties faced by older people in accessing publicly funded social care.

It may reduce the government costs in the long term by transferring some of that cost to the private insurance sector. The wealthy would take out insurance when young and they would be taken out of the state budget, at least to the level of the capped expense (presumably an amount that would rise over time).

The Department of Health impact assessment of the policy in 2013 found that it would benefit 100,000 mainly wealthy older people; it would amount to a taxpayer transfer from the state to this group of around £2billion a year; it would cost around £200m to administer; and would require the additional assessment of 500,000 people (on the basis that means and needs tests for all potentially eligible older people would have to be undertaken).

This huge expense – which is more than all major parties committed in their manifestos to giving to the NHS – would not expand publicly funded coverage to include those who had moderate needs as the policy assumes that access to publicly-funded care would be restricted to those with substantial needs. Nor would it lead to an increase in the amount that local authorities could pay social care providers – it would, in effect, lock in the current level of quality into the system. Nor would it prevent the looming collapse of the care home industry and now also some home care providers. In fact, the only benefit which the impact assessment could claim to deliver was “peace of mind” for mainly richer older people.

It was the previous Conservative government who realised that this policy had too many costs and too few benefits and so refused to introduce the legislation introducing the cap. It was also because the cost benefit analysis weighed so firmly against implementation that the policy was excluded from their manifesto – the Prime Minister and the Health Secretary indeed made this case during the election.

But, because of the lack of media understanding and the u-turn forced on the Conservatives during the campaign, the Dilnot Cap with all of its problems is now back on the agenda and being presented as the solution to the crisis in social care.

However, until all 3 major parties recognise that social care requires a significant injection of public funds to move from being a residual public service to one which enhances the lives of older people – and which pays care workers a decent wage – the crisis will continue to worsen.

Surprise Surprise!

Well that was a bit of a shock. Having called a snap election in order to increase her majority and having been predicted a landslide at the outset, here we are, no majority to speak of and chaos behind the scenes.

So now although she leads the largest single party, there’s no overall majority and she’s forced to go cap in hand to the Irish DUP a party that believes in banning abortion and homosexuality amongst other retrograde views, as well as being affiliated with known terror organisations in the Troubles.

I have never know a losing party, the socialist labour Party, seem so happy and triumphant, and it’s important to keep hold of the idea that they lost. They performed better than expected but still lost. In Scotland, the gains made were by the Tories thanks to a strong performance by the local leader. In Wales, Labour held onto tricky seats largely thanks to an absent Jeremy Corbyn.

In England, the Labour vote was damaged in areas of strong brexit voting but not by enough. They were seen to benefit in areas voting remain. Corbyn has successfully motivated the young vote which turned out at record 72%, voting primarily Labour.

The result is heralded as a return to two party politics, a return to spend and tax policies within the Labour Party versus low taxes and crappy welfare from the Tories.

There will be plenty of time for more detailed analysis but one thing seems clear, and is enough to dismay traditional Labour voters as well as Tories: Jeremy Corbyn is here to stay.

For Goodness Sake

Another day and another terrorist attack, this time some guys in a hired van driving through crowds then picking up knives to go for a rampage. 7 dead according to the latest news.

And the thing that really winds me up (and millions of Brits posting on twitter) is the shameless tweeting of the American president, posting and mis-quoting our mayor Sadiq Khan yet again. WTF.

What is his problem? Does he really think that the situation would have been better if those guys had access to semi-automatic guns rather than carving knives? Is he a total nut job? Does he think it is right or reasonable to try to make political gain from peoples dead relatives?

Why did the American newspapers feel a need to describe the UK as “reeling” (thank you NYT) when we’re basically getting on with the show?

To be lectured on violent crime by Americans is just gob-smackingly unreasonable. In the 3 months to March 2017, 6,000 Americans died as a result of gun crime. In the 12 months to March 2017, around 500 Brits died from any crime, including terrorism. Our streets are significantly safer than most. Maybe Americans should consider relocating over here to improve their life expectancy?

To be told we need to arm up our police force when their excellent response meant the whole incident was over almost before it began is just ridiculous. We have no appetite for routinely armed police. No appetite for the kind of routine shooting of civilians by the police that seems to happen in the States. It’s bad enough that the BAME community is stopped and searched disproportionately; no one wants to add guns into the mix.

To be told that we need to close our borders when inevitably the guys involved will turn out to be home-grown British boys disaffected and cut-off from their families and communities just beggars belief.

There is no other way to say this: Donald Trump is a twat, a dick of the first order and by that I mean small and mean-minded.

Populism

Populism works. It works as a method of gaining and sometimes holding power.

The recipe is universal. Find a wound common to many, someone to blame for it and a good story to tell. Mix it all together. Tell the wounded you know how they feel. That you found the bad guys. Label them: the minorities, the politicians, the businessmen, the media. Cartoon them. As vermin, evil masterminds, flavourless bureaucrats, you name it. Then paint yourself as the saviour. Capture their imagination. Forget about policies and plans, just enrapture them with a good story. One that starts in anger and ends in vengeance. A vengeance they can participate in.

That’s how it becomes a movement. There’s something soothing in all that anger. Though full of hatred, it promises redemption. Populism can’t cure your suffering, but it can do something almost as good—better in some ways: it can build a satisfying narrative around it. A fictionalized account of your misery. A promise to make sense of your hurt. It’s not your fault. It is them. It’s been them all along.

But if you want to be part of the solution, the road ahead is clear: Recognize you’re the enemy they need; show concern, not contempt, for the wounds of those that brought the populist to power;  be patient with democracy and struggle relentlessly to free yourself from the caricature the populists have drawn of you.

Changing the Story

Power is something we are often uncomfortable naming and talking about explicitly. In our everyday talk, power has a negative moral vibe: power-mad, power-hungry, power trip. But power is no more inherently good or evil than fire or physics. It just is. The only question is whether we will try to understand and harness it. In the culture and mythology of democracy, power is supposed to reside with the people.

Here’s a simple definition of power — it’s the capacity to ensure that others do as you would want them to do. Civic power is that capacity exercised by citizens in public, whether in elections or government or in social and economic arenas. Power in civic life takes many forms: force, wealth, state action, ideas, social norms, numbers. And it flows through many conduits: institutions, organizations, networks, laws and rules, narratives and ideologies. Map these forms and conduits against each other, and you get what we think of as “the power structure.”

Story is the catalytic agent for changing the status quo.

The problem today is that too many people aren’t able to draw, read or follow such a map. Too many people are profoundly illiterate in power (TED Talk: Why ordinary people need to understand power). As a result, it’s become easier for those who do understand how power operates in civic life to wield a disproportionate influence and fill the void created by the ignorance of the majority.

The powerful tell tales about why they deserve their status, so that they can feel better about it. So do the powerless. Together, these two sets of stories form an unseen prison of the imagination that shrinks everyone’s scope of possibility about alternative arrangements and allocations of power.

When you want to challenge the powerful, you must change the story. You can use story to organize people and then allow them to organize themselves into the story. Your narratives have to offer an alternative to the dominant story line of why things are the way they are. You have to stir up a new sense of “us”; provide an overarching explanation for who has what and why; and awaken the hero’s spirit in every citizen. Story is the bonding agent in social cohesion. It is the catalytic agent for changing the status quo.

Organizing people centers on telling three nested narratives: the story of self, the story of us, and the story of now.

Marshall Ganz,  learned his art as a civil rights worker in Mississippi in the 1960s, then went on to organize migrant farmworkers with Cesar Chavez. He developed the organizing tools and strategies used by the first Obama presidential campaign and has mentored countless social-justice organizers around the planet. He teaches now at Harvard, where, 28 years after dropping out of college, he returned to finish his degree and get a doctorate. He is the quintessential teacher-as-learner.

Everywhere he goes, Ganz uses a method for organizing that centers on three nested narratives: the story of self, the story of us, and the story of nowHe teaches organizers entering into any setting to start not with policy proposals or high concepts like justice but with biographies — their own, and those of the people they hope to mobilize.

What are the stories you tell about yourself? Why do you tell them that way? How can we find connections across our stories of origin that build trust and common cause? That work then flows into the story of us: the collective narratives of challenge, choice and purpose that emerge from any community — that, in fact, help define it.

This is how in a place like New Orleans after the flood or Detroit after the crash, residents can develop a shared identity of resilience and reinvention. It’s how a political party is able to motivate and mobilise for change.

Once that shared narrative is activated, the organizer can connect it to the fierce urgency of now: a story about why this is the “movement moment,” when individual and collective motivations converge, and when action is needed and possible. Why this and no other time is the time for change. This is how “Yes We Can” became more than a slogan in 2008, as “Morning in America” did in 1980. Or “Make America Great Again” did in 2016.

Stories are weapons in an endless contest for legitimacy.

Of these three stories, the middle one — about us — is crucial. Any effort to exercise citizen power depends on creating new answers to the question: Who is “us”? During the campaign for a $15 minimum wage in Seattle, one of the most potent speeches was from a woman named Evelyn, a sixty-something Filipina immigrant who cleans rooms at a Sea-Tac Airport hotel.

It was a fund-raising event for the campaign, and this was her first public speech. And though she’d never heard of Marshall Ganz before, in her short and blunt remarks she intuitively hit each of his marks. She talked about how a higher wage would enable her to catch up on her bills (self). She talked about why this was a unique opportunity to make gains for working people (now). But she was at her most effective when she talked about what kind of Seattle we wanted to be, and why the city would be stronger if the people who do the thankless work could afford to live there, too. In short, she redefined us. She redrew the circles of identity, not as low-wage workers versus high-wage workers but as people who hold true Seattle values of inclusion versus those who don’t.

This redrawing of the circles is also how “deep canvassing” — intensive face-to-face front-porch conversations based on personal storytelling — can change minds and win adherents on contentious issues like gay and transgender rights. 

Two young political scientists, Joshua Kalla of Berkeley and David Broockman of Stanford, have conducted pioneering field experiments on deep canvassing. One of the strategies that they found most effective was “analogic perspective taking,” in which canvassers would invite citizens to talk about times when they’d been treated unfairly for seeming “different.” From there, the canvasser could pivot to what those citizens had in common with gay or transgender people, and could often awaken enough empathy to reduce bias.

This is more than stepping into someone else’s shoes — it’s stepping into the story of how someone else came to be wearing those shoes. 

If you are trying to convince your neighbors that a nearby church should be allowed to host a temporary homeless encampment, how do you deploy story? Sometimes, it might be by deriding the selfishness of those who resist. More often, it will be by appealing to the better angels of all, so that even resisters can join without losing face.

Either way, you are crafting an imagined us in order to create a real majority. In a town with excellent schools that attracts young families, how do you deal with the divide between the newcomers who are driving up property values and the old-timers who don’t have school-age kids and want lower taxes? Again, you create a story of us, of common interest, that will either transcend that divide or sharpen it in a way that isolates the holdouts.

Such stories are weapons in an endless contest for legitimacy. 

The forthcoming General Election is already over, not won by the Conservatives so much as lost by Labour who have allowed the Tory narrative to prevail.

“We can do better. We can be better. Now.” Is essentially the Labour narrative. It is now and always has been the same story and Labour needs to stick to it rather than [playing the fear blame game that the Tories prefer.

We can do better by our elderly, better healthcare, better social care. Because my nan deserves better and so does yours.

We can do better by our children, better schools and universities. because my children got to university and so should yours, or maybe to an apprenticeship scheme, or straight into a job because that’s what was right for them.

We can do better by our friends and neighbours. We don’t have to be aggressive and nasty to our neighbours, our trading partners in the EU. We can be kind, gentle and generous to the newly arrived amongst us because we are better than the alternative.

We are better than mean and nasty.

Retirement

He says that at the end of the year when this contract comes to an end, he plans to retire. Hmm.

Economist James Banks of the University of Manchester says retirement can be good or bad for your health depending on what you have come from and what you are going to.

If you have had a highly paid, high-status job but little time or inclination to cultivate social activities or friends outside work, then retirement could be a negative step even if you have a huge pension pot. “You may walk all day and do sudokus all night once retired, but still miss the social and intellectual stimulation of the workplace,” he says. However, if you have given up a physically demanding and hazardous manual job, or one with little control and lots of stress, then retirement may be a positive step.

UK, European, US and international studies show a mixed picture; it depends on an individual’s change of status when they leave the workplace. And it is possible it may not even change your life much; if you can maintain your standard of living, interactions and sense of purpose, then retirement may not have an impact on your quality of life.

Academic Gill Mein, at St George’s, University of London, worked on the Whitehall II study, which looked at the social determinants of health among British civil servants. She has two tips for a “good retirement”. One is to develop a hobby or interest while still employed, which you can build on when you leave work. The other is to involve your partner/spouse in your change in role at home once you retire. “I met some couples where one person was used to being at home all alone day and found it difficult to adjust to both being at home and with each other 24/7.”

Professor Deborah Schofield, of the University of Sydney, says: “Moving into a planned retirement from choice is very different from having to leave because of illness. Control over your plans – such as paying off the mortgage, building up some savings and waiting for kids to leave home – are thrown into disarray, you may have less income and also fewer plans. You can find yourself at a loose end without companionship.”

There is a relationship between income and reported satisfaction with life; money may not make you happy, but it helps to be able to afford the necessities of life and a few luxuries. Schofield adds that divorce can hit women particularly hard as they often have lower savings than men. And the three main causes of early retirement because of ill health – pain, arthritis and mental illness – are poorly treated and resourced compared with other conditions such as cancer.

So since he has relatively good health, certainly none of the above issues, it bodes well. Since, between us, we have good pension provision and good levels of savings, plus the house bought and paid for, we should be well placed financially which always gives people choices.

There are said to be three stages to retirement: SAGA. AGA and GAGA that is, an adventurous start, a phase where home is best and a quieter life, followed by the decline into dementia and care homes. In my family experience, whatever age we live to, the last two years will be tough. The average life expectancy for my generation is around 80, but there are serious variations by geography, a fairly obvious proxy for wealth in the UK.

Geriatrician Dr Jeremy Jacobs, of the Hebrew University of Jerusalem, says research into a cohort of Jerusalem residents has suggested old people who rate their health as being poor are more likely to be lonely, depressed, poor, obese or have back pain. “Loneliness is common, but it doesn’t kill you,” he says. Once you take financial security out of the equation, culture, country of origin and ethnicity seem to play a very minor role in how you age.

People over 90 stop reporting pain as a problem; no one knows exactly why.

To live longer and with good quality of life you need to sort out vision and hearing problems (cataract surgery and a hearing aid), take measures to prevent falls (nail down the carpet), avoid taking siestas, eat a decent amount and range of food (not vitamin supplements – they may increase mortality) and, above all, keep moving and stay engaged.

“Adverse life events don’t affect longevity, but if you sit at home all day doing nothing, you will deteriorate. You need to leave the house every day even if you’re in a wheelchair. And keep mentally, socially and physically active at whatever level you can manage. You don’t have to stay in paid work; volunteering is fine too,” says Jacobs.