All Day All Year by Sisley

If creams are so expensive I have no hope of ever buying them, it makes me nervous. Who wants to fal

£179, 50ml

Launched: 2005
Tested: throughout 2007 and 2008
Stockists: 020 7591 6380.

Ingredients

: Sisley will not provide full disclosure of ingredients saying that “All ingredients are listed on product packaging so it’s (sic) easily obtainable by customers.”

This day cream is aimed at those over the age of 25. The premise is that it provides protection (SPF 8) from UVA and UVB, but not 100% (in fact, 90%). The idea being that 100% protection eventually leaves the skin unable to defend itself. This protection also lasts for eight hours, hence the All Day part of the name. The All Year bit refers to the fact that even in winter our skin needs protecting from sun, wind, pollution.

When I was handed this cream to test, I knew it was expensive (at the time I think it was ‘only’ £150) so I hesitated. If creams are so expensive I have no hope of ever buying them, it makes me nervous. Who wants to fall in love with the unattainable? Unfortunately, this cream is excellent. To really know if it works of course, one would have to do a more scientific test: one half of the face wears it the other doesn’t. What I can tell you is that it made a significant different to the texture and condition of my skin almost immediately, and in secondary testing (on a separate person) the results were visible. I love the fact that you don’t have to worry about sunscreen, you just put this on of a morning but sadly the cost is such that it’s out of the reach of most people, me included. However: highly recommended.

Annalisa Barbieri was in fashion PR for five years before going to the Observer to be fashion assistant. She has worked for the Evening Standard and the Times and was one of the fashion editors on the Independent on Sunday for five years, where she wrote the Dear Annie column. She was fishing correspondent of the Independent from 1997-2004.
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In your 30s? You missed out on £26,000 and you're not even protesting

The 1980s kids seem resigned to their fate - for now. 

Imagine you’re in your thirties, and you’re renting in a shared house, on roughly the same pay you earned five years ago. Now imagine you have a friend, also in their thirties. This friend owns their own home, gets pay rises every year and has a more generous pension to beat. In fact, they are twice as rich as you. 

When you try to talk about how worried you are about your financial situation, the friend shrugs and says: “I was in that situation too.”

Un-friend, right? But this is, in fact, reality. A study from the Institute for Fiscal Studies found that Brits in their early thirties have a median wealth of £27,000. But ten years ago, a thirty something had £53,000. In other words, that unbearable friend is just someone exactly the same as you, who is now in their forties. 

Not only do Brits born in the early 1980s have half the wealth they would have had if they were born in the 1970s, but they are the first generation to be in this position since World War II.  According to the IFS study, each cohort has got progressively richer. But then, just as the 1980s kids were reaching adulthood, a couple of things happened at once.

House prices raced ahead of wages. Employers made pensions less generous. And, at the crucial point that the 1980s kids were finding their feet in the jobs market, the recession struck. The 1980s kids didn’t manage to buy homes in time to take advantage of low mortgage rates. Instead, they are stuck paying increasing amounts of rent. 

If the wealth distribution between someone in their 30s and someone in their 40s is stark, this is only the starting point in intergenerational inequality. The IFS expects pensioners’ incomes to race ahead of workers in the coming decade. 

So why, given this unprecedented reversal in fortunes, are Brits in their early thirties not marching in the streets? Why are they not burning tyres outside the Treasury while shouting: “Give us out £26k back?” 

The obvious fact that no one is going to be protesting their granny’s good fortune aside, it seems one reason for the 1980s kids’ resignation is they are still in denial. One thirty something wrote to The Staggers that the idea of being able to buy a house had become too abstract to worry about. Instead:

“You just try and get through this month and then worry about next month, which is probably self-defeating, but I think it's quite tough to get in the mindset that you're going to put something by so maybe in 10 years you can buy a shoebox a two-hour train ride from where you actually want to be.”

Another reflected that “people keep saying ‘something will turn up’”.

The Staggers turned to our resident thirty something, Yo Zushi, for his thoughts. He agreed with the IFS analysis that the recession mattered:

"We were spoiled by an artificially inflated balloon of cheap credit and growing up was something you did… later. Then the crash came in 2007-2008, and it became something we couldn’t afford to do. 

I would have got round to becoming comfortably off, I tell myself, had I been given another ten years of amoral capitalist boom to do so. Many of those who were born in the early 1970s drifted along, took a nap and woke up in possession of a house, all mod cons and a decent-paying job. But we slightly younger Gen X-ers followed in their slipstream and somehow fell off the edge. Oh well. "

Will the inertia of the1980s kids last? Perhaps – but Zushi sees in the support for Jeremy Corbyn, a swell of feeling at last. “Our lack of access to the life we were promised in our teens has woken many of us up to why things suck. That’s a good thing. 

“And now we have Corbyn to help sort it all out. That’s not meant sarcastically – I really think he’ll do it.”