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201505 CM May

The CICM journal for consumer and commercial credit professionals.

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THE farm where I spent the lion’s<br />

share of the summer of 1966 nestles<br />

at the top of a densely overgrown<br />

lane on the outskirts of the tiny<br />

hamlet, Bohola.<br />

Steeped in ancient Gaelic history,<br />

Bohola, located in the far west of County<br />

<strong>May</strong>o, Eire, with a population of a little<br />

over 200 mostly agrarian workers, survived<br />

plague, famine and long centuries of<br />

indifference to its fate.<br />

It has changed little since my mother<br />

was born on that same farm in 1918, just as<br />

the First World War was coming to a close. I<br />

don’t know exactly which day or month she<br />

was born, for accurate local parish records<br />

did not exist back then.<br />

When I travelled with my mother via<br />

an early Aer Lingus flight to Bohola as a<br />

child the farm was running a modest dairy<br />

operation, overseen by Uncle Bernie, one of<br />

my mother’s eight brothers. Like my mother,<br />

they are now all long gone, but with the<br />

recent passing of a family member on the<br />

Irish side of my family, I was reminded of an<br />

event which took place on the farm all those<br />

decades ago.<br />

You could say it was my first insight<br />

into the machinations of capitalism – or<br />

perhaps more accurately, how the long<br />

reach of capitalism serves even the tiniest<br />

of outposts.<br />

As a commercial centre, Bohola has<br />

little going for it. A solitary public house<br />

serving cold Guinness to farm workers at<br />

the end of a long day in the fields. And a<br />

village shop, administering the basic needs<br />

of the community. There is a Catholic<br />

church of course, and many a stern sermon<br />

has been addressed to the tiny Bohola<br />

populace from its pulpit over the centuries.<br />

In order to secure anything more than<br />

the everyday bits and pieces, you’ll need<br />

to travel the seven miles or so to the small<br />

town of Kiltimagh, a beautiful spot, terribly<br />

ravaged by the Great Potato Famine of the<br />

1840s.<br />

Which is what I ambitiously decided to<br />

do back in that long, drowsy summer of<br />

1966.<br />

England had just won the World Cup<br />

– not that the news travelled particularly<br />

quickly to the farm on which I found<br />

myself that year, for there was no means of<br />

receiving news from the outside world.<br />

I was baffled by the fact that there<br />

was no radio, and further mystified by the<br />

worrying absence of a television. Nothing.<br />

There was not even a toilet. I remember<br />

when I first enquired as to the whereabouts<br />

of the loo in the rambling old farmhouse,<br />

only to be met with lots of chuckling and<br />

rolling eyes and thumb pointing outside<br />

gestures.<br />

So outside in the fields was where you<br />

had to go to relieve yourself. <strong>May</strong>be find a<br />

spot in one of the outhouses if the weather<br />

was inclement.<br />

You get used to it, cackled my Aunty<br />

Bea, toothlessly beaming through a fog of<br />

Sweet Afton cigarette smoke.<br />

I doubted I would ever get used to<br />

crouching down in a field under the<br />

mournful, watching eye of the dairy herd,<br />

but as the days passed and the summer<br />

ebbed and flowed, sure enough I began to<br />

adjust to the rural ways of this mythical part<br />

of Ireland, where leprechauns were said to<br />

congress with fairies, and heroic knights<br />

once fought against invaders from many<br />

foreign lands.<br />

And where many children and their<br />

parents starved to death in their thousands<br />

in the pitiless famine that decimated the<br />

local population between 1845 and 1852.<br />

On the day I set out to Kiltimagh, on a<br />

bicycle so ancient and rusted I had little<br />

faith it could support the 14 mile round<br />

trip, the children in the farmhouse were in a<br />

state of heightened excitement.<br />

Cousin Bernard is coming down from<br />

Dublin and he’s bringing a picture box<br />

with him. A picture box! Who would have<br />

thought such a thing, they sang and<br />

chattered all around the farm.<br />

I had no idea what a picture box was –<br />

what on earth could they be referring to, I<br />

wondered. But, as the miles crawled past<br />

on my epic trip to the town of Kiltimagh, I<br />

thought less of the mysterious picture box<br />

and more of the Victor comic I hoped to<br />

pick up that morning – assuming I made it<br />

there and back, of course.<br />

As luck would have it, the comic was in<br />

stock, and the old bone shaker held up for<br />

the long cycle ride back to the farm.<br />

When I finally arrived, exhausted, back<br />

at the ranch, the yard – normally alive with<br />

the sound of many young children yelling<br />

and shouting – was oddly quiet.<br />

Where, I wondered, was everyone? Not<br />

even a chicken pecking at my feet. How<br />

strange.<br />

On entering the farmhouse, it all became<br />

clear. Sitting proudly on the kitchen table,<br />

a somewhat fuzzy black and white picture<br />

weakly penetrating the gloomy stone floor<br />

and walls, was a television, a huge aerial<br />

protuding ostentatiously from<br />

its rear.<br />

A television, transported all<br />

the way from a tiny warehouse<br />

in Dublin, to a farmhouse in the<br />

back of beyond which did not<br />

even have an outdoor toilet, let<br />

alone an indoor one.<br />

Sat spellbound in front of the<br />

box were assembled children,<br />

quiet for once, looking as if they<br />

had been visited by a magician.<br />

Which in a way they had, in the<br />

form of my cousin Bernard, who<br />

had come down on a surprise visit<br />

with his miracle gift.<br />

Bernard, who was eventually<br />

to become one of the UK’s<br />

most successful businessmen, building<br />

up and selling the construction company<br />

he inherited from his father – my uncle –<br />

had lavished what was then an unearthly<br />

amount of money in Ireland, a country<br />

where television sets were, in the mid-60s,<br />

as rare as hen’s teeth.<br />

And this is where capitalism will always<br />

win, reaching out, feeling and probing for<br />

demand for its goods and services in the<br />

most unlikely of places.<br />

You can call the story of my cousin<br />

Bernard and the television a parable of<br />

sorts. We had both made journeys that day.<br />

Me to the paper shop in Kiltimagh, and<br />

Bernard from Dublin to the miniscule hamlet<br />

of Bohola. But I will remember cousin<br />

Bernard’s visit for another reason.<br />

Unbeknown to me, when I was glued to<br />

that television set along with all the other<br />

kids, Bernard had felt the irresistible call<br />

of nature, and had crept out to one of the<br />

barns to relieve himself.<br />

Like televisions, toilet paper was scarce<br />

in that part of Ireland in 1966: well, there<br />

were hardly any toilets, were there?<br />

I later found my unread Victor comic in<br />

the barn. Well someone has found a use for<br />

it, I thought grimly as it was buzzed by flies.<br />

But no-one would admit to purloining it,<br />

leaving me with one of my earliest lessons,<br />

that investments, no matter how small and<br />

desirable, are never guaranteed to bring any<br />

dividends whatsoever.<br />

I recall my howls of anguish at finding<br />

the comic in that barn. A comic I had<br />

sweated for – exchanged my labour for, in<br />

a way – on a windy day long ago in the far<br />

west of Ireland.<br />

Bernard was well on his way back to<br />

Dublin by the time I had made him for the<br />

culprit. Probably never gave it another<br />

thought.<br />

And just as it was an early lesson for<br />

me, it was also an example of one of the<br />

primary edicts of success in business. Seize<br />

the opportunity when it arises. Because you<br />

may not get another chance.<br />

The recognised standard in credit management<br />

www.cicm.com <strong>May</strong> 2015 23

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