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2016

You are currently browsing the yearly archive for 2016.

indexI am habitually to be heard at around this time of year bemoaning the sorry reality that the weather has turned against us, that the nights are drawing in, that everything natural is dying and that this be my least favourite time of the year (at least until the following February or March; which months frequently offer strong competition). Shortly after voicing such jeremiads I am highly likely to be heard again – apologising to those for whom November is their birth month and as a result the main event in a much loved season!

Since our arrival in Victoria last year I have been obliged to modify this inveterate impression somewhat. The Victorians – presumably as a means of counteracting similar bouts of ennui – appear to have chosen this particular quantum of the pre-Christmas season to stage a wide range of quite unmissable events. Thus is was that over the weekend just passed we found ourselves with no less than four delectable entertainments to attend in five days.

In a post from early October last year I wrote:

“Friday found us back at the Mary Winspear Centre for another charity event for which the Girl’s best friend was helping to organize the silent auction. The most worthy cause on this occasion was the raising of funds to support the excellent work done by ‘THRIVE Malawi‘.”

This year’s equivalent fell a month and a half later – but still on a Friday. The main attraction was also a repeat performance:

“The centrepiece of the event was a concert by local ensemble – The HiFi. All you need to know about this assemblage of musos – who describe their schtick as “New Orleans, West Coast brouhaha” – is that not only are all concerned amazingly talented musicians, but one of them is actually an internationally reknowned boogie pianist appearing under a pseudonym for contractual reasons. Anyway, they all appeared to be having a lot of fun – as were we!”

We have now seen The HiFi twice and – frankly – we love them most dearly. If you live around Victoria do keep an eye out for them at Hermann’s Jazz Club, where they are regular – if infrequent – performers. Should you appreciate good music in any form you would surely find it difficult not to be impressed.

On the subject of the ‘dearly beloved’ – come the Saturday night we were back at the Mary Winspear to catch Barney Bentall and the Cariboo Express. Barney Bentall was a leading figure in Canadian music in the 90s and had a string of hits with his band – The Legendary Hearts. Of The Cariboo Express Barney’s website reveals the following:

“The Cariboo Express is a one-of-a-kind variety show cast with renowned Canadian musicians, led by Canadian superstar Barney Bentall, along with Ridley Bent, Dustin Bentall, Kendel Carson, Matt Masters, Wendy Bird, various special guests and a backing band comprised of some of Canada’s finest musicians. Each of the core members have music careers of their own, but every November the group convenes to raise funds for various worthy charities in the spirit of song, community and giving back to society.”

Saturday was our second time with the Express and it is difficult to put into words just how much fun this show can be. With up to fourteen musicians on stage at any one time – each of them having a seriously good time – no audience could possibly resist.

We didn’t even try!

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Image from Pixabay…of optimism – if I may (though not, sadly, for the short term!).

Political events on either side of the Atlantic over the past months have left those of centre and left of centre persuasions reeling. The next few years are going to be bloody; there is no getting away from it. There is also, sadly, little that can be done to improve matters in the short term.

It is, however, time to start looking beyond this immediate grim future… and therein – I believe – will be discovered the tender shoots of optimism. By way of explication of this unlikely notion I must first needs muse a while on that oft abused ‘philosophy’ – Neoliberalism.

Neoliberalism has its roots considerable further back than the 1980s, but it was during that harsh decade that it reappeared renewed in its most virulent and corrosive form. The petrol crisis of the early 1970s that ended the long boom of the post war years led directly to the 1973/74 stock market crash and the 1974/75 recession. The years of discontent that followed unbolted the door to conservatives on both sides of the pond and they gleefully kicked it in. Carried to power on a now familiar wave of populism Thatcher and Reagan led the forces of the right on a rampage through the economies of UK and the US respectively – slashing regulation, selling off the family jewels, disposing of the unions and setting in motion the destruction of long established manufacturing industries.

So powerful was this tidal flow that in the UK the left was swept away on a tsunami of free market ideation. For a decade and a half it looked as though there would never again be a route to power for left and centre left parties. In the end the Labour party re-imagined itself (as did the Democratic Party in the US – though it had considerably less far to travel) as a party of the centre by adopting much of the ideology of the right. The much vaunted ‘third way‘ claimed to offer the benefits of both sides – the market discipline of the right with the social conscience of the left. Once the Tory Party in the UK had succumbed in its usual manner to avarice and corruption this cocktail brought New Labour victory in three successive elections.

The problem was that the ‘third way‘ was not actually a third way at all, but one of the original two ways with a slightly better user interface. In fact the centre parties on both sides of the pond had actually swallowed Neoliberalism hook, line and sinker. It may perhaps be that some thinkers on the left (and of the centre) thought that the creature could be tamed. They were to discover to their cost that it could not.

Though the true nature of the beast might have been determined from the start had anyone looked closely enough it took the financial crash of 2008 to finally bring home the repellent side effects. By opening the world to unfettered global trade (much aided by advances in technology) Neoliberalism enabled corporations and individuals to effectively detach themselves from individual nation states and thus to remove themselves from political influence and control. This trend has had many unpleasant consequences, not the least of which is that those concerned now pretty much only pay taxes when, where and to whatever level they feel inclined. This inevitably only increases the ever growing divide between the less than 1% and the rest of us.

The financial crash itself was enabled by totally inadequate regulation of the worldwide financial system; a result of decades of compromise and of paring back. This only encouraged the arrogant beliefs on the part of those immediately concerned that the credit bubble by which means growth had been ‘sustained’ into the new millennium might be extended indefinitely through sharp practice…

…which brings us smartly up to date with Brexit and the US Presidential Election. The unexpected outcomes of those ballots were not only the result of the lost millions expressing their anger at being left behind by the ever increasing inequality, but more so that those souls (along with many others who might themselves actually have done reasonably well) were left feeling utterly powerless to influence events through the democratic process, since that process itself – as a direct result of the Neoliberal agenda – was no longer able so to do. Little wonder then that when an opportunity presented itself to raise a finger (or two) to those seen as representatives or lackeys of the ‘elites’ the electorates grasped the chance with both hands.

 

Yes – I do realise that this peroration has thus far not exactly exuded optimism. Well – here’s the nub…

What has transpired this year has been a massive wake-up call. In neither the UK nor the US can politics carry on being ‘business as usual’. That model is broken. What now needs urgently to happen is that the centre and the left of centre must start over and build themselves completely afresh – learning not only from what has happened, but also from how and why it happened. This represents a huge opportunity – such perhaps as has not been presented since the end of the second world war. And – concerning that prospect – I feel optimistic.

Thinking caps on…

…flame off!

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Leonard Cohen

1934 – 2016

 

Image from Pixabay

I heard there was a secret chord
That David played and it pleased the Lord
But you don’t really care for music, do you?

Well, it goes like this, the fourth, the fifth
The minor fall and the major lift
The baffled King composing Hallelujah

Hallelujah

Well, your faith was strong but you needed proof
You saw her bathing on the roof
Her beauty and the moonlight overthrew you

She tied you to her kitchen chair
She broke your throne and she cut your hair
And from your lips she drew the Hallelujah

Hallelujah

Baby, I’ve been here before
I’ve seen this room and I’ve walked this floor
I used to live alone before I knew you

I’ve seen your flag on the marble arch
But love is not a victory march
It’s a cold and it’s a broken Hallelujah

Hallelujah

Well, there was a time when you let me know
What’s really going on below
But now you never show that to me, do you?

But remember when I moved in you
And the holy dove was moving too
And every breath we drew was Hallelujah

Well, maybe there’s a god above
But all I’ve ever learned from love
Was how to shoot somebody who outdrew you

It’s not a cry that you hear at night
It’s not somebody who’s seen the light
It’s a cold and it’s a broken Hallelujah

Hallelujah

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“And I rose in a rainy autumn
And walked abroad in a shower of all my days”

Dylan Thomas

Following a gloriously dry, hot summer it was probably inevitable that – when the weather finally broke – Autumn would offer a complete contrast. It has accordingly thus far been emphatically wild, wet and windy. When it has not been raining the skies have – in the main – resembled more closely those with which I am familiar from the old country.

Every now and then, however, something shifts and we awake to find a sunrise such as this:

Photo by Andy Dawson Reid…or end the day with a sunset like this:

Photo by Andy Dawson ReidLast weekend we ventured north to Nanaimo to pay a visit to the Kickass Canada Girl’s mother. As is our wont we took the shorter but slower (and considerably more relaxed) route via the Brentwood Bay/Mill Bay ferry. That particular day was not sunny!

Photo by Andy Dawson ReidPhoto by Andy Dawson ReidPhoto by Andy Dawson ReidPhoto by Andy Dawson Reid

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Image from PexelsAnd you may ask yourself
What is that beautiful house?
And you may ask yourself
Where does that highway go to?
And you may ask yourself
Am I right?…Am I wrong?
And you may say to yourself
My God!…What have I done?!

“Once in a Lifetime” – David Byrne, Brian Eno, Chris Frantz, Jerry Harrison and Tina Weymouth

I have not been averse – within the bounds of these jottings – to venturing occasional comment on matters relating to current affairs. My motivation for so doing – it must be said – is usually engendered by feelings akin to horror and even despair at the manner in which at least some of the inhabitants of this fragile planet choose to conduct their (and by extension our) affairs.

I have made no comment thus far on the 2016 American Presidential Election. In common with many on this side of the border I find myself watching in fascinated horror the interminable slow-motion train wreck that has been what feels like the longest electoral contest in history. How can the observer not be rendered slack-jawed at the effect on the campaign of the extensive computer hacking by unidentified foreign agencies – or of the farcical on-again/off-again (but very public!) enquiry by the FBI into the modus operandi of one of the candidates?

In a race in which neither of the leading contenders inspires much in the way of confidence there is – amongst many to whom I have spoken here –  frank disbelief that the Republican candidate could even have qualified to stand for office – given the outrageous and frankly libelous nature of many of his pronouncements – let alone to be yet in the race for the presidency.

It does make one wonder at the hordes of apparently immutable devotees who seem so determined to deal a blow to the American political system that they could be so utterly blinded to the nature of the beast that they intend to install in the White House. It seems that no logic – no rational debate – no reasoning can get through to them. Truth is meaningless to those capable of holding contemporaneously such totally antithetical beliefs.

It is impossible not to compare the situation in the US with that in the UK, which has itself appeared over the last few years equally determined to self-harm to the greatest degree possible. I have ventured previously some horrified comments on the apparent willingness on the part of a small majority of the population to take a gigantic and unprecedented gamble on the economic and social future of the nation – again apparently based on the hazy notion of turning itself into some chimerical wishful-thinking fantasy version of the country that never was, nor ever could be.

The latest twist in this self-destructive saga came at the end of last week when the UK High Court ruled that the British Parliament should be consulted and hold a vote before Article 50 (the mechanism that would lead to Britain leaving the European Union) could be triggered. The executive had intended to put this into effect without any such consultation. This piece of democratic common sense was greeted by some of the more repellent UK newspapers with headlines such as “Enemies of the People” over images of the judges involved. The deep irony that a key feature of the Brexit campaign was supposedly the return of sovereignty to the British Parliament was utterly lost on those apparently unable to think clearly through the fog of their own rage.

Given the real tragedies that are being played out in the Middle East and elsewhere it seems wrong to fixate on the political idiocies of first world nations – however much their antics may cause us to rend our garments and tear our hair.

Bah!

Enough seriousness, though. My next post will feature photos of BC in the autumn (fall!).

Promise!

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Image from PixabaySo Long, and Thanks for All the Fish

Douglas Adams – Book title

Pace the promise at the end of my last post (the final part of a trilogy on my tax transition from the UK to Canada over the last year) this unexpected fourth part details the delightful process of completing a reasonably complex UK tax return. The gentle reader will be relieved to know that I am going to skip all of the obvious bits and just concentrate on that which is out of the ordinary.

Completion of this particular return was complicated by the fact that – having been resident in the UK for 104 days from April 6th to July 19th 2015 – I was considered by HMRC to have been a UK resident for tax purposes for the whole tax year. To avoid being taxed in both countries for the period from July 19th 2015 (our date of landing) to April 5th 2016 (and having already paid my Canadian taxes up to December 31st) I needed to meet the criteria for a ‘split year treatment‘ for 2015/16, under which I would pay taxes in whichever country I was resident at any given point.

There are eight sets of circumstances under which one is deemed to have met the criteria for ‘split year treatment‘. The only one that applied in my circumstances was Case 3 – ‘Ceasing to have a home in the UK’. The HMRC’s ‘Tax Return Notes’ give a fair bit of information on the criteria as a whole but cheerfully send one off in search of document RDR3 – ‘Guidance Note: Statutory Residence Test (SRT)’ for further detail on each specific case. Herewith the relevant sections for Case 3:

Case 3:  Ceasing to have a home in the UK

5.22  In this instance, you may receive split year treatment for a tax year if you leave the UK to live abroad and you cease to have a UK home.

You must:

– be UK resident in the tax year
– be UK resident for the previous tax year (whether or not it was a split year)
– be non-UK resident for the following tax year
– have one or more homes in the UK at the start of the tax year and at some point in the year cease to have any home in the UK for the rest of the tax year.

5.23  From the point you cease to have a home in the UK you must:

– spend fewer than 16 days in the UK
– in relation to a particular country, either:

– be present in that country at the end of each day for 6 months, or
– have your only home, or all your homes if you have more than 1, in that country within 6 months

Hmmm! That is all as clear as mud…

The other portion of the return that I had not previously encountered was that concerning Capital Gains Tax – for which the sale of our UK property made us potentially liable. The basic rules regarding Capital Gains Tax on property sales at the time that we sold the apartment were thus:

  • Capital Gains Tax could be subject to Private Residence Relief (PRR)
  • PRR was 100% if the property was one’s prime residence and was lived in for the whole time that it was owned
  • PRR might be reduced if the property was let for more than three years
  • no tax was payable in any case for the final 18 months of ownership

Our apartment in Buckinghamshire (which I had owned for more than fourteen years) had been let for more than three years at the point at which we sold it. We thus had to work out the level of PRR for which we might still be eligible. This was calculated by determining the profit made on the sale (the agreed selling price less the original purchase price) and by determining the percentage of months for which PRR might be applied. I had owned the property for 176 months, I/we had lived in it for 130 months and it had been let for 41 months. Given the exemption for the final 18 months of ownership this meant that I could apply for PRR to cover 84% of the capital gain.

That would yet have left a chunk of tax owing, but there were – fortunately – a couple of other reliefs that could be applied:

  • Selling costs (estate agent and legal fees) could be set against the profit
  • We could apply for Letting Relief for the period that the apartment was actually tenanted
  • There was a general Capital Gains Tax allowance of £11,000

A tortuous calculation led us to the conclusion that all of the potential taxes and reliefs fundamentally cancelled each other out – leaving us after all nothing to pay on the sale of our home. The tax return was duly completed and sent to the United Kingdom at the start of June this year. Shortly before I started writing this series of posts I was finally in receipt of a further rebate from HMRC, though they also sent a note which somewhat unkindly suggested that this refund had been based on my calculations – which they claim not to have checked! I suspect that this is just to give them some wiggle-room should they find any way that they can claw back some of what they paid me.

We shall see…

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tax“Taxation is legalised extortion and is valid only to the extent of the law.”

Ed Troup (now Head of HMRC – in a 1999 newspaper article)

This final installment in a trilogy of posts detailing the transition of my tax affairs from the UK to Canada over the last year (previous episodes here and here) may seem somewhat dry reading, but it might also provide at least some useful information for those who find themselves in the same boat.

As mentioned previously I had taken advice from HMRC in the UK before we left for Victoria. One of the suggestions that they had made was that I should write to them setting out in detail our intentions and proposed schedule. This I did – if for no other reason than that it is always a good idea to get such things down in writing and to file a copy for posterity.

Income tax in the UK is collected through a Pay As You Earn (PAYE) system which relies on each individual being ascribed one or more codes which determine how much tax is deducted each time an income is payed. My income before retirement fell into a higher tax bracket, which in turn meant that the two pensions that I was already drawing at the start of the 2015/16 tax year were also taxed at that level. When I retired and started receiving my third and final pension (but stopped receiving a salary) the tax codes for all three pensions should have been changed to reflect the fact that my income no longer merited being taxed at the higher level. Once we had become Canadian tax residents the codes should have been changed again to ensure that I was no longer taxed in the UK at all.

Naturally, ensuring that these codes were all corrected at the appropriate times proved to be far from simple. They should have been updated as a result of communications from my final employer when I retired, but in the event I still had to spend some considerable time on the phone from Canada to the HMRC arguing the case before all three pensions were finally being taxed at the basic rate. HMRC then had to pay me a rebate for overpaid taxes – which they duly did.

Once my tax status as a resident of Canada had been confirmed by Revenue Canada and the consequent paperwork forwarded to HMRC there followed another round of ‘negotiations’ before all three pensions finally became un-taxed in the UK. I had by this point already been taxed in Canada for the year to December 31st and I was looking forward to recovering the monies that had been deducted in the UK since our departure in July. A further conversation with HMRC made it clear that this wouldn’t happen until I had completed and submitted a tax return for the 2015/16 tax year in the UK.

Filling out that tax return was quite a mission in itself and entailed another couple of hours of phone calls to HMRC before I was satisfied that I had accurately particularised our situation.

Having ventured thus far with my explication I firmly intend to document that process as well – though I fear that so to do will entail a fourth post. Ah well!

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Photo by Andy Dawson Reid“Tax is not a four-letter word; rather, it’s the price we pay for the country we want.”

Alex Himelfarb

My last post went some way towards explaining the vexatious complexity of our tax affairs upon leaving the UK last year and heading across the pond to Canada. I promised – for those who simply could not sleep without knowing how the issues had been resolved – to reveal all. As I am (mostly) a man of my word…

I had, naturally, taken the trouble to consult Her Majesty’s Revenue and Customs (HMRC) well in advance of our departure from the UK to discover exactly what steps would need to be taken to ensure that I ceased paying tax in the UK on our departure and started so doing in Canada. A most Helpful Young Chap had given me chapter and verse… though as it turned out not all of the chapters and rather less verse than he might have!

He did advise that I should acquire – from the HMRC website – “Form Canada-Individual” (for those seeking this document it should be noted that it does not – unlike most other HMRC forms – have a form number!). At the bottom of the first page of this document there is a box labelled “For use by Canada Revenue Agency” and the guidance notes helpfully state that once completed the form should be sent to the “Tax Services Office of the Canada Revenue Agency for the area in which you reside“, for them to stamp and to sign. The HYC from the HMRC was unable to elaborate further on this instruction so I figured I would have to wait until we got to Canada and to ask questions there.

A few days subsequent to our arrival I paid a visit to the Revenue Canada building in Victoria, thinking that this would be the best way to find out whom I should approach. The Canada Revenue office may well be open for business but the building itself certain isn’t – not to the public at any rate. There is no open foyer or reception desk – just tight security and locked doors. I was forced to resort to the InterWebNet instead and – taking what seemed the best bet – sent my “Form Canada – Individual” to the Revenue Canada office in Vancouver.

Nothing at all happened for two months but eventually a reply limped into our mailbox. According to Revenue Canada Vancouver my application could not be processed because I had not provided them with my Social Insurance Number (SIN). This was – of course – because I had not been able to ascertain from anyone what the correct procedure was. I duly added the requested information and resubmitted the whole application – as directed by Vancouver – to Ottawa.

This time a mere month elapsed before Revenue Canada once more returned my application. Apparently they did not have the required information to determine that I truly was now a Canadian Resident for tax purposes. I would needs complete and return Form NR74 – “Determination of Residency Status (Entering Canada)” along with my resubmitted application before they could proceed.

Manfully resisting the temptation to enquire as to why Revenue Canada could not have sent me this form the first time they returned my application, I duly completed it. I could not help but notice that the information requested was mysteriously similar to that already submitted on “Form Canada – Individual” – but thought it best not to point this out either.

Another hiatus ensued.

Eventually – some six months after setting the whole process in motion – I finally received from Revenue Canada the duly stamped and signed copy of “Form Canada – Individual“, which I promptly sent back to HMRC in the UK. I was now registered as a tax payer in Canada – effective from the date that we landed.

Now – the Kickass Canada Girl has a long-standing relationship with a tax accountant in Victoria, who agreed to handle my tax affairs as well as the Girl’s. She was most helpful to us both in completing our tax returns following the end of the 2015 tax year on December 31st. Our attention was drawn to some highly beneficial rebates of which we would not otherwise have been aware and – as a result – my tax bill was considerably less scary than it might have been.

All that remained was for me to persuade HMRC to stop taxing me a second time (or first – if you see what I mean) in the UK and to return any excess tax that they might already have deducted.

The tale of how that went must – however – wait for next time.

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pieter_brueghel_the_younger_paying_the_tax“The hardest thing to understand in the world is the income tax.” 
Albert Einstein

I have been meaning for some little while now to draft a brief disquisition on the subject of taxes – with particular reference to the effects thereon of relocating to a different continent. Though circumstances are – in term of taxation – really quite different from case to case, it is yet possible that my recent experiences in the field may be of some small use to someone somewhere.

That I have not until now carried out the electronic equivalent of putting pen to paper can be readily explained. Our situation featured certain complexities which have complicated the transition considerably. It is only very recently that we can state with reasonable confidence that our tax affairs have now been put in order. We have yet to receive final written confirmation that this is the case, but the omens have a propitious look about them.

It is a basic principle of income taxation that the norm is for all such to paid in one’s country of residence. There might well be exceptions should one be in receipt of income from territories other than that in which one resides, unless there exist between said nations a reciprocal tax agreement. The United Kingdom and Canada have just such an agreement.

On moving from the UK to Canada there is a supposedly relatively simple procedure to follow to ensure that one stops paying tax in the former and commences so doing in the latter. Of course, such things rarely turn out to be simple in practice, though that has much to do with the degree of tax complexity to which one is subject.

In my case the situation was complicated by the following factors:

  • I retired part way through the 2015/2016 tax year. I paid income tax at above the basic rate on my salary until that point.
  • I was already drawing two of my three employer’s pensions from the start of the year. These were also being taxed at the higher rate.
  • When I retired my final pension kicked in, though of course my salary stopped at the same time. I was still being taxed at the higher rate even though my income no longer merited such.
  • Two weeks after retiring we moved to Canada and I became a tax resident here. My pension incomes are all paid in the UK and transferred monthly to Canada, but because the UK uses PAYE (Pay as you earn) I was still seeing tax deducted at source in the UK. I was thus for a period being effectively taxed in both countries – though in Canada (which does not have PAYE) payment was not due until the end of the tax year.
  • We sold our property in the UK a week before leaving the country. Normally the sale of one’s primary residence in the UK does not attract capital gains tax. We had – however – been living in a rented apartment for our last four years in England, and had tenants in our apartment. In such circumstances the rules are different and capital gains tax can come into play.
  • The UK and Canadian tax years do not coincide. In Canada the tax year runs quite logically from January 1st to December 31st. In the UK – as you might expect – the situation is quite different and the year runs from April 6th to the subsequent April 5th.

I fear that I can only subject myself to a certain level of tax contemplation at any one sitting. A subsequent post (or posts!) will thus be necessary to guide the gentle reader through how the process of tax transfer was effected in our case.

Something to look forward to!

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Three storms

Image by NASAHot on the heels of the first storm of the season – mentioned just a couple of posts back under the banner ‘Pillaging just for fun‘ – the end of last week found the coastal region of BC under threat of attack from three more storms. These vigorous systems were the tail end of Super Typhoon Songda that had tracked across the Pacific, making landfall on the northwest coast in waves on Thursday, Friday and Saturday last.

Environment Canada were taking no chances with their forecasting – predicting that each storm would be stronger than the last, climaxing on the Saturday night with winds approaching 100km/h (62mph) – one of the severest weather events over southern Vancouver Island for a decade or more.

Now – we Brits have form when it comes to the forecasting – or mis-forecasting – of serious weather conditions. Weatherman Michael Fish made something of a career out of having infamously told a lady caller that the rumours that she had called to report of a hurricane approaching the south of England one evening in mid-October 1987 were false – the night that trees over swathes of the south east were laid waste by winds gusting to 130km/h (81mph). Ever since that night the Met Office have – to all appearances – tended to exaggerate the potential for damage rather than run the risk of getting caught out again. As a result Brits tend to take these things with a hefty pinch of salt.

I was not altogether surprised when some of the dinner guests we were expecting for Saturday evening cried off during the morning – sensibly not wanting to get caught out in the storm. Given the regularity with which BC’s pole-carried power lines are taken out by tumbling timber (and of course the fact that pretty much everything in our home operates courtesy of BC Hydro) it also seemed sensible to purchase a few precautionary items from Canadian Tyre… a propane cooking stove and some battery-powered lamps for example. I was a bit taken aback upon reaching the store, however, to find that the shelves were largely empty of such items. It would appear that everyone else hereabouts was also taken by surprise by what is, after all, a pretty common occurrence. I took the last propane stove and improvised with some garage (shop) working lights.

Back at home and well into late afternoon the nearest of the Gulf Islands abruptly disappeared from view and the pines and firs surrounding our small estate started to pitch and toss vigorously. The weather channel played continually on the TV as we waited for the power to cut out at any second. We fired up our new gas log fire and hunkered down to sit it out.

Within half an hour all was suspiciously quiet again. The nervous looking weathermen continued to predict the apocalypse to come – but outside our windows the weather stubbornly refused to play ball. The weather system had apparently had a change of heart and buggered off further up the coast.

Anyone need a propane stove and some battery-powered lamps?

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