I was on my way, driving to London, to see my Dad when the hospital called to say he'd died. After I'd had a sob in a village car park en-route, I continued to London and to the hospital to collect his things, also to see his doctor. Only to have to wait around for over an hour because the Dr wasn't available, which wouldn't have mattered had I not told the car park attendant I'd only be about quarter of an hour (so when I got back, the attendant had moved my car to somewhere inaccessible for me so have to hang around for another hour waiting to be able to get to my car and drive away). After Dr and moi chatted and I thanked him for looking after Dad, I was just about to leave the hospital when the receptionist asked how I'd like to pay the invoice. I provided my address and asked it to be sent to me. Shock horror: his BUPA membership hadn't covered him for what had unfolded so what with the cost of a private ambulance to take him from the old people's home and the ensuing medical bills, the whole lot came to getting on for 20K.
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Do differently? It was only the other day I was thinking about that. Now that we (including Mrs Bnc) are planning to move, the prospect of the cost of transporting my book library (mostly reference books and non-fiction) and whether to remove net of things no longer needed or gross and prune after moving sprang to mind. Looking at the books I've never read but bought for the future, I concluded that as not only do I rarely have time to read anything like as much as I used to and second-hand books are effectively worthless, I would've done better to have spent the money on buying shares instead. At least with shares even if they go down from what I paid there is no physical occupation that costs on removal. Glancing around and estimating around £5,000 on books, plus several thousand more on other things for which i don't have time to get my money's worth out of, I could, for example had I followed through some advice I was given years later to have bought shares in Greggs on the IPO at about the same time as I started writing my newsletter to clients, 1000 shares at circa £1.35 would have first risen to £35 a share, then split 1 for 10 risen again to £24, in all around I estimate fifty grand. Over the years, i've earned more than 50K from work received from my newsletter but that's not the point. The books haven't paid dividends and I did not forsee, perhaps no one other than in the IT world, just how much useful info could be had on-line at the touch of a button.
Talking of shares another thing I would've done differently is not venture into the high risk world of junior mining companies. Yes, I shouldn't have sold some to buy Mrs Bnc's Christmas present only to find day after selling the sp rocketed. But really I shouldn't have got sentimental about Gippsland but sold when I got my money back rather than hold on for better days ahead, only to lose out when the Egyptian government seized the assets. Where there's hope there's life :
https://icsid.worldbank.org/en/Pages/cases/casedetail.aspx?CaseNo=ARB/18/22Women? No regrets, different packaging and innumerable permutations but fundamentally the same so having had more than enough, but not as many as Tony blackburn's rumoured 500. I am content to be faithful to Mrs Bnc, whilst running a mental slide rule over a prospect and leave it at that. I still keep in touch with the first Mrs Bnc, pretty good I reckon to remain on friendly speaking-terms after 41 years since divorce.
Health-wise, my long term approach has held me in good stead. For example, i avoid getting emotional about the weather. 'Twas 32C when I drove into town earlier, adorned in my usual heavy jacket, sweater and t-shirt, trousers, pants and socks, shoes. Actually the jacket itself is light, what makes it heavy is what I keep permanently in the pockets: for example umbrella, secateurs, camera, tons of loose change, torch, etc. Only the other day after I'd taken from a pocket a heap of coins to pile in my outstretched hand so that a shopkeeper could take some money to pay, I was asked if they could have more of the change. I declined saying that if the weight in that pocket were reduced then I might keel over from the weight of the other pocket
The only thing I occasionally tinge of is that my misspent financial youth and failure to live within my means means that I cannot afford to retire. i don't want to retire but it might've been nice to have had a choice. Looking back when others were working and I took the occasionally day off during the week to visit a National Trust property or a long weekend holiday somewhere I was young enough to over-spend, enjoy the experience and be able to find a parking space. Whether I should let it be known that Mrs Bnc and I have lunched in the regular haunt of Sir Philip Green in Monaco is something else to think about. Heigh ho! "Premium Bonds" means never having to say you're not looking forward to next month.