Monday, April 26, 2010

In Memory of M. Titoukh

This isn't a jolly story - and it's quite long - but I hope you'll read it.

Close to our house, the Rue Bourbon is an odd mixture of the almost new, and the very, very old. On our side of the street, the gardens of the houses run down to the slender remains of the moat and the great gated ramparts that formed part of Cardinal Richelieu's grand design for a perfect city at a time when a perfect city necessarily included gates, ramparts, a moat, and arrow slits in the otherwise windowless out-facing walls. The steps that lead down from the houses into the gardens are stone and - like the wooden stairs inside the houses - the steps have been worn away by countless feet over countless years so that they all have dips in the middle. Inside or out, no floor is level on this side of the street.

On the other of the street, though, there's a small block of flats. It's fairly new - in fact it's the only new building in the whole town - so all its steps and all of its floors are straight, and it hasn't yet started to lean this way or that. When it does, it will probably just fall down. It definitely wasn't built to lean, last, or grow gracefully old, picturesque, and inconvenient.

M. Titoukh lived in the flats, and his flat was directly opposite our house, so we saw him often, standing on his balcony watching the street.

He was a 'local' person, and like most 'local' people he would probably have preferred to live inconveniently and coldly moated on our side of the street rather than wrapped in warm breeze block on his side of it - and he would almost certainly have been better off had he had the freedom to go out into a garden - but he had no choice of accommodation. M. Titoukh was never very well, so he lived where local government put him: isolated in a flat one floor up from the street and a world away from it and everything else that would have made his life more interesting and more worth living.

For the first three or four years that we lived here, we never saw M. Titouhk outside his flat - and we observed that he had no visitors save for the woman (sent by the excellent French health service) who came to clean the flat for him. We spoke to him, of course - we and all our immediate neighbours - he above and we on the street below, and we were all very pleased when, last year, he seemed suddenly to get a lot better.

Last year M. Titoukh got a ginger cat. He got an old bicycle and rode it. He went out and shopped. He played boule under the plane trees on the wide boulevard on the other side of the ramparts. He went to the Cardinal's wonderful park that is all that is left now of the Cardinal's once magnificent palace. He began to smile and talk - and he became a known person and an accepted neighbour to all of us, and (at last!) an important part of the street-level life of the Rue Bourbon.

Whenever M.Titoukh had to go into hospital for this or that - which was quite often - he fell into the habit of putting the cat Caramel out into the street. We assumed that he did that because he had no one else to call upon to look after it, so we fell into the habit of looking after it amongst ourselves - Madame Vallee, Madame Pariat, my next door neighbour Christine and me - until he came back. No one minded - least of all the cat. Caramel enjoyed the fuss, the houses, the gardens, the moat and the lizards on the walls - and he certainly liked being overfed. But nothing could replace M. Titoukh for Caramel. At the first sign of M. Titoukh, Caramel would disappear into the flats - incarcerated until the next time.

A couple of weeks ago M. Titouhk came home from the hospital in a taxi as usual, and collected Caramel from his usual lunchtime spot in one of my window boxes. He let the cat out onto his balcony, fetched his bicycle and set off down the Rue Bourbon. A hundred yards away from his own front door, M.Titoukh fell off, and died in the street. He was less than 50 years old.

To everyone's surprise, M. Titoukh turned out to have had a great many relatives - all of whom lived at La Coupure du Parc, less than a kilometre away from Richielieu. His father arrived that day to take Caramel away, and last weekend a lot of people turned up to take away the remains of M. Titoukh's life.

Where on earth were all those people - all those noisy, laughing, healthy relatives with their cars and their trucks and their trailers - when M. Titoukh was spending his summers and winters (and every Christmas!) alone in his flat, visited only by a professional carer, spoken to only by people who did not know him very well? Where were they when he was going to and from the hospital by himself - expensively! - in a taxi? Where were they when he felt that he had to put his cat - and Mr Titoukh certainly loved his cat - out in the street to fend for itself or rely on the good nature his neighbours?

Actually, it doesn't really matter - save that it might, one day (I hope!) matter a great deal to them. M. Titoukh's sudden absence has left a surprisingly large hole in the fabric of the life of the Rue Bourbon. We remember him - and will always remember him - with affection. We miss him - and he died amongst friends.

There are a great many M. Titoukh's in this world - and helping people (and having them help you to learn and grow and understand) isn't always quite as cut, dried, and straightforward as it's often made out to be. And perhaps you aren't as badly off as you think you are.

Emily - http://www.therapypartnership.com/

Wednesday, April 21, 2010

Amazon's Digital Text Platform - and What You Might Do With It

If you've got a book in your desk drawer - or even just in your head - take a look at Amazon's Digital Text Platform .

The text platform allows you to publish your own book - and have it appear for sale on Amazon.com - as a Kindle book.

There are various things that you need to do on-line to produce a Kindle book - design a cover, type your manuscript in the prescribed form, check it for errors, set a price for the book, fill in the forms (and design your author page!) - but it's all free, and it's not difficult to do.

The book you produce will not be available as a 'paper book'. It will only be a downloadable e-book readable only on a Kindle machine. Don't let that put you off. Kindle machines were originally only available in the United States. Now you can buy them in Britain and Australia - and wherever Kindle goes, Kindle books go too. And whilst publishers don't, these days, take too many chances on new authors, they do keep an eye on what's going on around them - which means keeping an eye on Amazon.

Amazon offers opportunities to self-publish in other ways that would allow you to produce 'paper' books - but it costs money. The Digital Platform is a good FREE place to start - and it will begin to teach you how to produce e-books that you can sell on your own site.

I've produced a couple of Kindle books. I haven't earned a fortune out of them - but I learned a lot. And any money is better than a smack round the chops with a wet fish!

If you think you have a book in you - check it out. It takes time to Kindle a book - but I think it's time well spent.

Emily - http://therapypartnership.com/

Monday, April 19, 2010

She Told Me She Was a Princess - And That Most of the Money Was Mine

Over a period, Rose Khalifa and I have almost become friends. She writes often - e-mails that set out the same long, sad, story with the same hook on the end of it that is supposed to hook me into giving her the number of my bank account.

I was, though, a bit surprised to find messages from Rose turning up on my Naymz account - but I think I was being just a tad naïve there. After all, Russian tarts proposition me on Twitter all the time, and I don't know them either.

I think it was inevitable really that the Rose Khalifa's and the tarts of this world would eventually seize upon things like Naymz, or LinkedIn - or Facebook - and try to use them to their own advantage, but I can't find in my heart to be angry with any of them.

I do, though, get very angry with people who try to use social media outlets to push out subtler, much more tempting, and even less realistic hooks.

There was a discussion today posted on LinkedIn by a so called 'Independant Financial Services Professional'. It offered mortgage loan help and unsecured lines of credit to people with bad credit records. Oh - and you can apparently get help there to clear your criminal records as well.

Really? Well. I shall put my next loose tooth under my pillow and wait for the Tooth Fairy to bring me my sixpence... And no, I'm not giving you the link.

Geoff - http://www.metlissbarfield.com

Wednesday, April 7, 2010

Improve Your Credit Status - Register to Vote

Registering to vote doesn't only mean that you can register approval or disapproval for a particular Party, or have your say about which Party will be running the country after the upcoming election.

Being on the Electoral Roll improves your credit status. In fact, if you are not on the Electoral Roll, you might find it difficult to get any form of credit, simply because Credit Reference Agencies use the Electoral Roll to verify a person's identity.

There are a number of factors that contribute to a person's credit score, and determine whether or not that person is 'creditworthy'. However, credit and ID fraud remains a major problem, so lenders place considerable importance on Electoral Roll data to verify identity.

Whether you intend to vote in the upcoming election or not, make sure that you register to vote. Your name on the Electoral Roll is a fast and easy way of giving your credit score a boost, and could make it a lot easier to get a mortgage, a loan, a credit card, or insurance.

Geoff - http://www.metlissbarfield.com

Monday, April 5, 2010

Beware of Credit Debt Solutions That Involve Paying Out Money

I think we've all warned people about going down this route before, but I think it's worth reiterating what one or the other of us has already said - if only because my own inbox is once again full of e-mails talking about 'debt settlement programs'.

The latest one - which I received today - does actually carry a 'health warning' in that it clearly states that "Debt elimination programs are not cheap and choosing the wrong option could serve to exacerbate financial difficulties later on."

Actually, 'choosing the wrong option' when you are looking to get yourself out of that kind of a hole is approaching the sort of organisation they are advertising in the first place.

If you have problems keeping up with your credit card payments - or any other of your bills - go to a recognised Charity for help. You should defintely NOT be paying for help to get out of trouble.

If you need to find reputable - and free - advice and assistance, go to Talk About Debt where you'll be able to find out which Charity to call first, learn which seven mistakes you must not make if you want to get safely out of debt, and (perhaps!) win £250 by writing (in confidence) about your own debt experience.

You'll also see a whole list of statistics - all of which make it clear that you are not alone with your problem, and that it's sensible to get help immediately rather than waiting and hoping that things will improve.

Geoff - http://www.metlissbarfield.com/