Are the French right to ban the word "hashtag"?

Cultural anxiety on twitter.

Last Wednesday, the French government’s snappily-named General Commission for Terminology and Neology issued a recommendation that French social media users should shun the term “hashtag” in favour of French alternative mot-dièse, or "hash word".

The recommendations of the Commission, which was created in 1996 in order to combat the influx of Anglo-American words, have been met with widespread criticism. The proposed term mot-dièse has been accused of not being Twitter friendly (it is longer than "hashtag" and contains an accent), and of being inaccurate– dièse actually denotes a musical sharp symbol (♯), rather than a hash sign. The outlawing of "hashtag" is also seen by many social media users as reactionary and futile; it has variously been described as a “Frankenstein word”, “ridiculous” and, fittingly (or ironically), it has been branded  an #epicfail on Twitter.

On first glance, the recommendation may seem ill-judged or even risible, but it begins to look a little more raisonnable when put in the context of a more general cultural anxiety. In the last fifty years, English words have become increasingly ubiquitous in French day-to-day life. This is largely thanks to the import of a great deal of American – and some British – television programmes and films, which are watched in VO (version originale) with subtitles. American music is also very popular in France; nothing is guaranteed to fill a French dance floor like the opening bars of the Black Eyed Peas hit I Gotta Feeling, though clubbers will sing along to only a few selected lyrics: “up!….off!… masel tov!… good, good night!”.

French governments of all political colours have fought to protect their culture from being dominated by a tradition alien to their own. Whilst Chirac’s conservative government introduced the terminology Commission in 1996, it was France’s much-revered socialist president, François Mitterrand, who created the “cultural exception”, which necessitated ‘cultural goods’ to be treated differently to other commercial products, encouraging the autonomous production of French art.  Mitterrand also introduced the controversial radio quota that necessitates that at least 40 per cent of music on France’s airwaves is in French. For the British, who tend to find patriotism a little embarrassing (though the Olympic Games proved an exception), this cultural approach may seem a little precious. But it is worth remembering that we too grumble about the "Americanisation" of the English tongue, despite the fact that we, at least, share the same language as our U.S. counterparts.

The proliferation of Anglicisms is particularly present in the world of beez-ness where terms like “debrief”, “meeting”, and “manager” are d’un common. In recent years, Paris metro carriages have been splattered with adverts for courses to learn "Wall Street English", depicted on the posters is a tanned man in a business suit, his mouth opened wide to reveal a tongue decorated with the stars and stripes. Little wonder, then, that many French people are often anxious about, what writer and French culture expert Lucy Wadham terms, the “relentless advance of Anglo-American capitalism.”

The dominance of English-based terms is nowhere more prevalent than in the ever-developing world of technology. The same Commission that coined mot-dièse has fought since the birth of the internet to preserve French terminology; along the way it has tried to promote French alternatives for ‘the web’ (la toile) and ‘email’ (courrier-électronique). But is it realistic, in a domain where new products, systems and concepts are being developed and created all the time – and therefore where words signify completely new phenomena – to seek translations for digital terminology? Speaking to The New Statesman, David Carzon, the web editor of French cultural magazine Télérama suggested that there is a distinction to be made between official and colloquial language. “[The state] cannot control colloquial language; "courrier éléctronique" is widely used in official communication , whilst "email" remains the preferred term in everyday language.”

He adds that “ultimately, it is [Twitter] users that will decide if mot-dièse will replace hashtag.” According to a survey this week, only thirty percent of a cross-section of 300  said they intended to start using the term, whilst 67 per cent said they would stick with "hashtag".

Carzon, however, does not view the adoption of English words as necessarily worrying for French culture. “French culture doesn’t seem to have been changed radically by the adoption of foreign words. Users are capable of appropriating their own language and integrating it in to their own culture without becoming "colonised".” For him, the internet is a symbol of cultural “mixing”, rather than hegemony. And he has a point – it is not anglais that the French have so taken to using, but franglais – a language in which English terms are adapted, used and mis-used to fit with French grammar, sensibilities and convenience. The hybrid term for a car-park, un parking, is a good example of this, as is the French adoption of le week-end, and the adapted French verb for texting, textoter —   which can be conjugated in every which French tense and mood, including the subjunctive. English film titles are often re-translated for their French release with "The Hangover" being re-named "Very Bad Trip", and 2010 rom-com "No Strings Attached" becoming the rather more blunt, "Sex Friends."

In any case, whether mot-dièse catches on or not – in spoken French at least – "hashtag" will never sound American or British; though the French use English words, they are always pronounced as if they were French. It is not really a question of mot-dièse vs hashtag, but rather mot-diese vs. ‘ache-tague’, so really la belle langue always wins in the end.

Photograph: Getty Images
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Stability is essential to solve the pension problem

The new chancellor must ensure we have a period of stability for pension policymaking in order for everyone to acclimatise to a new era of personal responsibility in retirement, says 

There was a time when retirement seemed to take care of itself. It was normal to work, retire and then receive the state pension plus a company final salary pension, often a fairly generous figure, which also paid out to a spouse or partner on death.

That normality simply doesn’t exist for most people in 2016. There is much less certainty on what retirement looks like. The genesis of these experiences also starts much earlier. As final salary schemes fall out of favour, the UK is reaching a tipping point where savings in ‘defined contribution’ pension schemes become the most prevalent form of traditional retirement saving.

Saving for a ‘pension’ can mean a multitude of different things and the way your savings are organised can make a big difference to whether or not you are able to do what you planned in your later life – and also how your money is treated once you die.

George Osborne established a place for himself in the canon of personal savings policy through the introduction of ‘freedom and choice’ in pensions in 2015. This changed the rules dramatically, and gave pension income a level of public interest it had never seen before. Effectively the policymakers changed the rules, left the ring and took the ropes with them as we entered a new era of personal responsibility in retirement.

But what difference has that made? Have people changed their plans as a result, and what does 'normal' for retirement income look like now?

Old Mutual Wealth has just released. with YouGov, its third detailed survey of how people in the UK are planning their income needs in retirement. What is becoming clear is that 'normal' looks nothing like it did before. People have adjusted and are operating according to a new normal.

In the new normal, people are reliant on multiple sources of income in retirement, including actively using their home, as more people anticipate downsizing to provide some income. 24 per cent of future retirees have said they would consider releasing value from their home in one way or another.

In the new normal, working beyond your state pension age is no longer seen as drudgery. With increasing longevity, the appeal of keeping busy with work has grown. Almost one-third of future retirees are expecting work to provide some of their income in retirement, with just under half suggesting one of the reasons for doing so would be to maintain social interaction.

The new normal means less binary decision-making. Each choice an individual makes along the way becomes critical, and the answers themselves are less obvious. How do you best invest your savings? Where is the best place for a rainy day fund? How do you want to take income in the future and what happens to your assets when you die?

 An abundance of choices to provide answers to the above questions is good, but too much choice can paralyse decision-making. The new normal requires a plan earlier in life.

All the while, policymakers have continued to give people plenty of things to think about. In the past 12 months alone, the previous chancellor deliberated over whether – and how – to cut pension tax relief for higher earners. The ‘pensions-ISA’ system was mooted as the culmination of a project to hand savers complete control over their retirement savings, while also providing a welcome boost to Treasury coffers in the short term.

During her time as pensions minister, Baroness Altmann voiced her support for the current system of taxing pension income, rather than contributions, indicating a split between the DWP and HM Treasury on the matter. Baroness Altmann’s replacement at the DWP is Richard Harrington. It remains to be seen how much influence he will have and on what side of the camp he sits regarding taxing pensions.

Meanwhile, Philip Hammond has entered the Treasury while our new Prime Minister calls for greater unity. Following a tumultuous time for pensions, a change in tone towards greater unity and cross-department collaboration would be very welcome.

In order for everyone to acclimatise properly to the new normal, the new chancellor should commit to a return to a longer-term, strategic approach to pensions policymaking, enabling all parties, from regulators and providers to customers, to make decisions with confidence that the landscape will not continue to shift as fundamentally as it has in recent times.

Steven Levin is CEO of investment platforms at Old Mutual Wealth.

To view all of Old Mutual Wealth’s retirement reports, visit: products-and-investments/ pensions/pensions2015/