This is Claire. Claire is 78 and still teaching ballet. I am approaching 65 and not remotely as able as she is. Of course I have a few extra physical problems being a paraplegic that make me wonder just what life will be like when I get to 78. I am not looking forward to it though that’s easy to say from the safety of my age. 13 years ago 65 was too far away to be of much concern; that’s not to say I didn’t think about it, I just wasn’t able to envisage what life would be like.
Getting old in Zimbabwe is especially problematic. Nobody is going to look after you if you don’t have the money or children and that’s not a given. The state certainly won’t help. You’d better have made a plan and Marianne and I don’t really have one. We do have a two bedroom cottage in the garden which we rent out and when the time comes we’ll move in there and rent out our house. If, or when (if I live long enough), Marianne or I need care we are going to have to make an uncomfortable decision. I am sort of hoping that I will not live that long but talking about one’s death is easy until it actually looms. Given the state of the driving in Zimbabwe it might well happen sooner rather than later. This afternoon on the way to a function we had to take evasive action after an oncoming pickup truck decided to overtake into our lane.
Marianne went this week to see a potential customer for the medical insurance she sells. An elderly lady with glaucoma, she lives in a rented flat in a nearby retirement complex. The management had told her that she would have to give up her accommodation and move into the frail care section. She was incensed and in the end decided to move to her children in South Africa. At least she had the option.
Old age has a checkered relationship with my family. My father was murdered in the Rhodesian war at 52 (he broke the rules and paid the ultimate price) and my mother died at 67 from a misdiagnosed melanoma. My sister died at 62 but my aunt (mother’s sister) turns 95 next month and is bright as a button and still lives in her own house 25 minutes away with a couple of domestic servants to help her. Her oldest brother lived to be 94 and, while still mentally active, ended his days miserable in a care home in the UK. Her other brother died of cancer in his 70s.
Last year after a series of “seizures” I underwent a battery of medical tests. They showed nothing untoward and the physician held up my results of the neck scans on my blood vessels and remarked; “Well, whatever eventually kills you it won’t be your heart – you have the vascular system of a teenager!”. I wasn’t sure if I was pleased or not. A number of friends over the years have succumbed to heart disease and from what I have heard it’s not a bad way to go. Here one moment, gone the next. Dementia and it’s variations; now that DOES scare me! The seizures, episodes of confusion and disorientation, were eventually put down to post-operative cognitive dysfunction (POCD) which was likely caused by the heavy general anaesthetic I’d received whilst undergoing lower back surgery, as a result of the original war injury, two years ago. The physician told me it could last up to two years.
The two years is up next month and the seizures have continued unabated. They come in clusters every six or eight weeks and can be very worrying. After a particularly intense one where I asked Marianne what the name of one of our dogs was and then couldn’t remember where a computer shop was near a bank I use, I decided it was time to go back to the physician. He listened to my account of the seizures, asked questions, and then said “That sounds a lot like temporal lobe epilepsy and, given the fact that last year’s scans showed up no abnormalities, I don’t have any idea what could have caused it”. I have been prescribed medication but it will take some time to work up to the full dose and then see if it works. Worldwide there are an estimated 50 million sufferers of the condition.
My mobility is dismal. After university I cycled across France, Switzerland and Germany then back to the UK (see Reflections on the first half). Then I went traveling around the world. I needed a walking stick and I could carry my own backpack and was independent. Now I need two walking sticks and if I fall over I struggle to get up again without help. I am very glad I went traveling whilst I could. I have come to accept that I am going to need a wheelchair in the near future. I customer did send me some photos of an electric golf cart which he thought might be useful for me to get around in at work but I thought it over the top.
I was never very concerned about falling over until Karole came to visit me at work recently. She was in the St Giles rehabilitation centre at the same time I was – she’d fallen off a horse and sustained spinal injuries that left her with a disability similar to mine. Having spurned walking sticks for years she now uses one and recounted how getting into her car recently she’d fallen over and fractured a hip. She showed me the X-ray, it was spectacular. It’s made me much more cautious to the point of paranoia which is not helpful.
I also met Terry in St Giles. He’d been paralysed in a military parachuting accident and, unlike me, had totally lost the use of his legs. We became good friends and he used to tease me and say that I was just a “weekend para”.
Also unlike Terry, I don’t suffer constant pain. Some days are bad though and I do remember the pain-free days, but in general I don’t have major issues. I do go to the gym four days a week, two under the supervision of a physiotherapist cum trainer, to try and slow down the rot but that’s all it does. For the moment I will rely on my dog Themba to keep me a bit younger.
Zimbabwe Absurdity 
Taxed if you do, taxed if you don’t
26 08 2023It had to be a mistake, I couldn’t possibly owe the tax department (ZIMRA – Zimbabwe Revenue Authority) that amount. Even if I converted it to US dollars it would amount to an impossible figure – about 17,500 at the unofficial rate and 23,000 at the bank rate. I checked the email address – it was from a person with whom I’ve corresponded over the years. Then there was the wording; FINAL DEMAND. Where were the other demands? I did what any sensible person would have done and contacted my bookkeeper in a state of panic.
Alison was more than a bit puzzled but told me she couldn’t do anything without seeing how they’d got the figures. “Your are entitled to see what’s going on” she said. “Ask them for the ledger”
The ledger was duly sent and the waters immediately became a lot murkier. It stated the figures were in US dollars and the numbers, if the currency was US dollars, were impossible. I sent it on to Alison. It was a while before she came back to me by which time my imagination had run riot. What if I really did owe 105 million dollars? I would have to buy it on the open market with my US dollars and would be left with no operating capital and nothing with which to pay wages. The company would be unlikely to survive.
Alison assured me that the figures on the ledger were Zimbabwe dollars and I probably did owe the 3,835,807 listed. She had no idea where the 105 million came from. “Ask them” she said. So I did.
The reply was abrupt; the 105 million was to be ignored (RTGS is another way of saying Zimbabwe dollars). The amount on the ledger was also incorrect as it didn’t account for some US$550 that I’d paid in presumptive tax (they are called Quarterly Payment Due or just QPD) which would have reduced the amount owed close to zero.
I speculated to Marianne that it was all just a bit of psychological bullying to get me to pay attention to the outstanding amount, then two days ago I bumped into Gary whose wife had had a strikingly similar experience.
Gary works for a seed company that occasionally uses my nursery to grow seedlings for various trials. They have a trial on ART Farm which is a neighbour to my nursery and I sometimes use it access my nursery so as to avoid the appalling direct road and take in a bit of soothing farm scenery on the way. Gary was having a look at one of their trials near the road so I stopped to chat.
We discussed various things then I related my experience with the tax authority. He said that Clare, his wife who works as a bookkeeper for a local church, had received a final letter of demand for payment from ZIMRA for an impossible amount about three months ago. She replied that as a church they were not liable for tax and any money made was given away to various charities and nothing more was heard. He agreed with me that as the government was desperate for money it was likely endorsing ZIMRA’s intimidation tactics to get in whatever money they could, maybe they were even giving a commission.
On getting to work I related the story to my senior foremen. They were decidedly cynical. “They are all on the take” opined Chingedzerai. “Yes”, added Fabian, “they see the rest of the government officials stealing and think that they should have some of the pie too. They see what they can bully you into paying and then split the extra between themselves”. It was obvious that they thought I was being naïve.
Marianne had been doing some questioning of her own and posted my problem on the local community WhatsApp group. Someone had responded with a name and phone number of a senior official at ZIMRA whom he thought would be able to help. I gave him a call and related my problem and asked if it was official ZIMRA policy to send out threatening demands based on nothing much at all. His indifference was striking; I should send him a copy of all the correspondence and documents and he’d forward it to the relevant manager. I duly sent him the copies but I am not expecting a reply.
It’s no secret that Zimbabwe is in deep financial trouble. Mismanagement, corruption and incompetence have seen our GDP plunge after the Mnangagwa government took power in a coup back in 2017.
At the time it was welcomed by the majority of the population who were relieved to be rid of the much hated and feared Mugabe regime but it was not long before the new government of E D Mnangagwa revealed its true colours of repression and corruption. Chingedzerai reminded me that the current administration has never bothered to investigate the estimated US$15 billion worth of diamonds that went unaccounted for from the Chiadzwa diamond fields in the east of the country in the latter part of the Mugabe era. More recently there was the gold smuggling exposé by al Jazeera that showed how top Zimbabwean officials were, with the highest approval, smuggling gold out of Zimbabwe and laundering the resulting cash. Indeed, for a country that is struggling financially, there is an eye-opening amount of property development around town. In the past this would have attracted the attention of ZIMRA who would have demanded to see the accounts of owners of expensive properties and made to account for the development. Now it’s easier, and more personally profitable, to send out threatening letters.
I paid wages on Tuesday. We chose the date years ago when getting cash from the bank at the end of the month meant enduring long queues and not getting the desired breakdown. Chingedzerai had heard the income tax limits had been increased and asked me to check on the internet before he entered the attendance and overtime figures on the computer. I was fairly sure it was only the Zimbabwe dollar tables that had changed but checked on the US dollar tables anyway (I have been paying my staff in the latter currency since August last year).
In Zimbabwe salaries are taxed monthly and the system is known by its acronym PAYE; Pay As You Earn. The rates are iniquitous. Wages are taxed from US$100 per month upwards! Given that the minimum agricultural wage starts at US$60 before any of the required allowances, most of my staff are taxed. Some do get age exemptions but the rest of them have to endure.
Such is the government’s demand for money that it has taken to taxing money transfers at 2% per transfer. It goes without saying that most transactions are cash though it’s not always possible. The government used to tax cash withdrawals from banks but gave up when it became evident that people were simply not depositing cash in order to avoid paying the tax.
Given the high cost of living and taxation in Zimbabwe one would assume that the majority of the population would be keen for a change of government. Indeed, given that we had a general and presidential election on Wednesday, one could be forgiven for thinking it imminent. With the recent exception of Zambia, southern African is not known for changing its governments and Zimbabwe is not about to become an exception too.
My foremen and I were all in agreement on this; the incumbent ZANU-PF party, which has maintained its grip on power since 1980 by means mostly foul, will certainly cheat its way to victory; only the level of the fiddle is not known. So far it’s been “limited” to delaying delivering voting papers to polling stations in regions known to be opposition strongholds, sending voters to polling stations where they found they weren’t registered, making sure one couldn’t check the online registration database and of course blatant intimidation. Few, if any, believe the logistical problems to be anything but deliberate. We remain cynical.
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Tags: corruption, general election, tax, ZIMRA
Categories : Blogroll, Economics, Social commentary