Society

What would you save from a fire? For many people, it’s their mobile phone

We Brits love a good anniversary – and a round number. This year we’re celebrating, among other things, the bicentenary of Charlotte Brontë’s birth and the 400th anniversary of Shakespeare’s death. It’s also been 350 years since the Great Fire of London, the devastating blaze which burned for four days and in the process wiped out more than 13,500 homes and 87 churches in the capital. Its destruction was such that it is credited with creating the modern property insurance industry and, in turn, the fire service. Thanks to the plethora of insurance plans on offer in the 21st century, we’re no longer reduced to burying cheese in the back garden in the

Debt, investment, car insurance and savings

After a glorious Bank Holiday weekend, there’s depressing news for young people this morning: more than a third of them have debts of almost £3,000 and experience significant concerns about money. A survey of 2,042 people aged 18 to 24, conducted for the Money Advice Trust by YouGov, found that they borrowed using credit cards, overdrafts and loans from family and friends. Just over half said they regularly worried about money, with 32 per cent feeling their debts were a ‘heavy burden’. Women were much more likely to worry about money than men, the survey found. The average debt of £2,989 excludes student loans and mortgages. The average student loan balance is

Ross Clark

The ‘pay to stay’ council house policy ignores the reality of the housing market

Instinctively I feel I ought not to feel sympathy for the 70,000 council house tenants earning more than £40,000 a year in London (£30,000 outside London) and who are going to be made to pay an average of an extra £1000 a year to stay in their subsidised council homes. They are better off than average and at a level of income at which they ought not to be reliant on the charity of the state. There was a time early on in my working life when I earned substantially less than the average earnings, and not for a minute would I have dreamed of applying for social housing. But

Why negative interest rates are mad, bad – and dangerous

What should we think about negative interest rates? What kind of Alice in Wonderland world are we living in when companies and households are paid to borrow and charged if they save? Seemingly crazy, negative interest rates are spreading nonetheless. Implemented by central banks in Europe, Japan and elsewhere, they now apply in countries accounting for a quarter of the global economy. Should we be worried? Could we see negative rates in Britain? Earlier this month, the Bank of England cut interest rates for the first time in seven years, from 0.5 per cent to a new record low of 0.25 per cent. Quantitative easing was also restarted, with the

Rod Liddle

The Olympics proves it: we are not all equal

An almost worldwide survey on penis length — the sort of thing I always read with a sense of trepidation and inadequacy — suggested that the countries boasting the largest of these flawed and devious appendages are all located in Africa. Especially West Africa, from the DRC down to the humid and still pristine jungles of Gabon. This suggests to me one of two things — either that the old racist cliché is absolutely true, or that Africans tell bigger lies than anyone else on the planet. Either or both of these explanations are likely to get me into trouble, so I suppose I’d better stop digging. Thing is, I

James Delingpole

George Osborne’s gone, thank God. So why’s Mark Carney still around?

Did you see that odd photo of George Osborne looking shifty, queuing up in the Vietnamese jungle for the chance to fire an M60 machine gun? I found it interesting for a number of reasons. One, obviously, is that it’s probably the first time in five years Osborne hasn’t been pictured wearing a hard hat and goggles. Another is what it tells us about his earnings prospects on the US speaker tour circuit: those guns can fire up to 650 rounds a minute — so at the local tourist rate of £1 a bullet that’s quite an expensive cheap thrill. Mainly, though, what struck me about that snap was just

Spectator competition winners: authors’ appendages

In the latest competition you were invited to supply a poem about a body part of an author of your choosing. This challenge was inspired by the engaging title of a book by John Sutherland: Orwell’s Nose. In 2012 Sutherland permanently lost his sense of smell. Shortly thereafter, he set about rereading the works of George Orwell’s and was struck by how obsessed Orwell was with what things smell like. The only noses in the entry, Gertrude Stein’s and Anna Akhmatova’s, had to share the limelight with Belloc’s bottom, Byron’s balls, Jane Austen’s breasts and Freud’s penis. In a palmary entry bursting with wit and invention Paul Evans, Christopher Boyle, Ann

Tom Goodenough

The Spectator Podcast: Marriage for one | 27 August 2016

An increasing number of women are entering into the institution of marriage with their dream partner: themselves. In her cover piece this week, Ariane Sherine investigates the women who have brought a new literalism to saying, ‘I do’. But is this just a quirky fad? Or are we witnessing a profound social change? Lara Prendergast speaks to Ariane and Spectator editor Fraser Nelson on this week’s Spectator podcast. Ariane tells Lara: ‘There are an increasing number of women who have decided, because they don’t have a man – or maybe some of them don’t want a man – that if they can’t find Mr Right, well, I’m going to embrace

Cheer up, you’re better off than you think

‘I’m not loaded, I’m just ordinary,’ protested a wealthy friend of mine, when another chum teased him about his money. ‘Oh yes,’ his tormentor responded wryly, ‘you’re one of those ordinary millionaires, not one of the rich ones.’ It made me smile, and it also made me think. Many of us, like my well-cushioned chum, have a skewed notion of how well off we really are. Most of us probably think we are normal, typical, ordinary, average – but often have little idea what average actually is. When we see headlines about FTSE 100 chief executives earning millions, it makes those of us languishing well below that bracket feel a

So it St Louis

From the humble status of wild-card entry at St Louis last year, the US Grandmaster, Wesley So (formerly of the Philippines) has rocketed to first prize laureate this year and also overall leader in the Chess Grand Tour standings. Final scores in St Louis were: So 5½; Anand, Aronian, Caruana and Topalov 5; Vachier-Lagrave and Nakamura 4½; Ding Liren 4; Svidler 3½; Giri 3.  The overall standings in the Grand Chess Tour are:   Player Points Prize Wesley So 30 $120,000 Magnus Carlsen 23 $67,500 Lev Aronian 21.75 $66,250 Hikaru Nakamura 21.5 $62,500 Fabiano Caruana 16.75 $58,750 Viswanathan Anand 14.75 $51,250 Veselin Topalov 10.75 $51,250 Maxime Vachier-Lagrave 17.5 $40,000 Anish

no. 423

Black to play. This is from Vachier-Lagrave–Anand, Sinquefield Cup, St Louis 2016. White has played to win a pawn but what has he overlooked? Answers to me at The ­Spectator by Tuesday 30 August via email to victoria@­spectator.co.uk. There is a prize of £20 for the first correct answer out of a hat. Please include a postal address and allow six weeks for prize delivery.   Last week’s solution 1 f6 Last week’s winner Dennis Owen, Urmston, Manchester

Letters | 25 August 2016

Golden age problems Sir: Johan Norberg’s ‘Our golden age’ (20 August) is absolutely right — we do live in a golden age; antibiotics still work, we have less starvation, the world is open for trade, with all its benefits. But there is a fly in the ointment: human overpopulation. Global warming (if you believe in it), degradation of the environment, extinction of species, all are consequences of it. It is a result, in fact, of our success. The only country to have grasped the nettle — China — is now having second thoughts. Perhaps wind and solar power can provide for our needs when we are 70 million in these islands; but what when

Diary – 25 August 2016

To Edinburgh for the book festival, where I am to explain Fools, Frauds and Firebrands to respectable middle-class Scots, who have an endearing way of suggesting to me that I, like them, am a thing of the past. They queue to buy the book, which is nice of them; however, the publisher has failed to deliver any copies, so the need to part with a few quid for politeness’ sake slips painlessly over the horizon. Only the students in the queue awaken me from my complacency. Where do we turn for comfort, they ask, when our reading lists are gibberish about which we can understand only that it is all

High life | 25 August 2016

OK sports fans, the Games are over, Uncle Sam and Britain hit pay dirt, and the prettiest girl of the Olympics was Morgan Lake, a black Brit high jumper who wins the High life gold medal for looks and proper demeanour. Here’s a tip for ambitious mothers: take a lesson from Morgan Lake — the name is perfect, no agent could have made it up — and instead of sending your daughters to Hollywood, where they’re more likely to end up as high-class hookers, you should guide them towards athletics and the high jump. Morgan Lake is café au lait, has a perfect body, and a very sweet innocent face.

Low life | 25 August 2016

Next week I’m going to Ladakh for a travel gig. Me neither — never heard of it. So I heaved out my Victorian world atlas and found it at the apex of India, northwest of Kashmir, and sharing a border with Tibet. Then I went online to find books about the place. Choice was limited. I bought A Journey in Ladakh by David Harvey (‘Extremely entertaining, a classy travel book and a palpitating fragment of a spiritual autobiography’ — David Mitchell, New Society); I bought Ancient Futures by Helena Norberg-Hodge (‘The book that has had the greatest influence on my life… about tradition and change in a remote corner of

Real life | 25 August 2016

‘How did I get here?’ I think dazedly. I am sitting in the Big Yellow Self Storage in Balham being interviewed, there is no other word for it. The person interviewing me is a relentlessly cheerful girl who wants to know everything, there is no other word for it, about me before she rents me a storeroom. But not only that, she wants to know everything about something she is ominously calling ‘my storage needs’. As I deliberate on the prices and options, she announces: ‘This is about making sure it’s the right decision for yourself.’ I want to store a piano for a month. I’m not choosing a pension

Long life | 25 August 2016

The 6th Duke of Westminster, who died this month, was living support of the claim that wealth doesn’t make you happy. He was as rich as can be, but said he wished he hadn’t been. The dukedom, and the billions of pounds it brought with it, came to him unexpectedly. He had been brought up on a farm in Northern Ireland and wished he had stayed there and become a beef farmer. Instead, he inherited a great property empire in England and around the world, as well as various estates that allowed him the pleasure of game shooting, but otherwise gave him little but grief. He was overwhelmed by the

Bridge | 25 August 2016

There’s been a fair amount of moaning about the English Bridge Union’s decision to move the week-long ‘Summer Meeting’ — one of the most popular events in the bridge calendar — from Brighton to Eastbourne. The decision was purely financial: Brighton is far more expensive. On the other hand, Brighton is a buzzy, vibrant town and was hugely popular with our younger players, who we desperately need to encourage. Whereas Eastbourne… let me put it this way: a couple of years ago, Eastbourne became the first place in the country to have an average age of over 70. The jury is still out, but I’ve just come back from the

Pelican pie

Revisers of OED have made a pig’s ear of pelican pie, I fear. I’ve been reading for pleasure Peter Gilliver’s The Making of the Oxford English Dictionary (reviewed last week). I’m up to 1904, when James Murray complains he ‘could have written two books with less labour’ than it took to compile the entries for pelican and penguin. Pelicans enjoyed life for centuries without the British seeing one. John Trevisa, a sort of 14th-century John Aubrey, wrote in 1398 that there were two kinds: one a water bird, the other loving the wilderness. He got this indirectly from St Jerome’s commentary on Psalm 102: ‘I am become like a pelican in