Pay and PAYE again

In the news at the moment are letters from the taxman, telling us that we got it wrong.  Some paid too much tax, some paid too little. 

Because we are each responsible for our own tax burden, it is our responsibility to ensure that we pay the correct amount of tax.  If we are not paying enough, it is our duty to inform the tax office and correct the matter.

Yeah, right.

The PAYE system was introduced to make it easier for the majority of people to pay their tax.  You go to work, you put in your 30/40/60 hours, and at the end of the week/month you get a payslip.  On the payslip, it tells you what you earnt, how much the taxman has stolen, and what is left for you to buy a stale crust with.

As an employed person under the PAYE scheme, your only ‘duty’ is to give your employer your P45 when you start working for them.  Any tax code notices are then sent to your employer, and the employer and taxman between them work out your tax liability.

So what went wrong?  They changed their computer system.  And the new system said ‘hang on, this doesn’t add up.’  The tax letters are only concerned with the last two tax years – but they haven’t said a word about how long the errors were in the system…  They’ve just found the errors, and are correcting the situation.

It’s possible that somebody out there has been overpaying their tax for all their life.  They could be owed hundreds of thousands of pounds – because, you see, the tax office charges a very high interest on late payments, and they have to pay the same interest on refunds.  Only they don’t, because they don’t want to.

The tax office has screwed up.  So it’s our fault, and we need to pay to put it right.  Six million voters are going to get letters telling them that they need to prove that it wasn’t deliberate.  Yes, you have to prove that you weren’t trying to cheat the system.  Innocent until proven guilty does not apply if it’s the government making the accusation.

And to top it all off, there are emails and telephone calls doing the rounds, where idiots are told they’re due a refund, so could they please reveal their bank details…?

Sorry to say, a lot of people will fall for these scams.  Is it so hard to realise that the taxman knows certain things about you that the average scammers don’t?  Unless you’re a total moron, scammers will not know your date of birth, N.I. number, address, tax-code, place of employment, wife’s maiden name, etc. 

Oh, hang on, you have a facebook account, don’t you?  Sorry, they do know all that, then.

Let’s face it, the idiots we have in charge only get the jobs because they went to the ‘right’ school.  We had a school like that when I was growing up – we sent all the special children there…

They are sending out letters demanding money that they know we can refuse to pay.  If you underpay your tax, and get away with it for one full tax year, you can have your debt written off.  For once, a handy bit of law created for the rich will work for the poor, too. :)

Don’t you just love british politics?

The ten commandments

I’m really going out there with this post, I’m afraid, so please accept my word that I mean no insult to anybodies beliefs.  As far as I’m concerned we should each form our own belief system, and respect those of others.  My partner and I have widely different beliefs, yet we each fully support the other – we bend around the others needs, as long as it does not conflict with our own.

Okay, that said, let’s take a look at the ten commandments.  As we all ‘know’, these were handed down by the lord our god, and form the core of our moral compass.  Or do they?

After a little research, I’ve chosen to base todays post on the article at http://en.wikipedia.org/wiki/Ten_Commandments, so you can check up on what I say – I do not claim that this is the last word on the matter, simply that it is as good a base as any.

There may be some disagreement with this, but… from what I’ve read of the bible, Judaism is the chosen religion of god.  Certainly, it’s the only religion I remember hearing about in the Old Testament.  Whether that is ‘true’ or not, I’ve chosen to take the Judaic version of the commandments, with a brief translation/explanation from in brackets:

1. You shall have no other gods before me.
2. Do not make any image or any likeness of what is in the heavens above.  (No idols, no statues to/of god.  Why doesn’t this apply to Jesus on the cross?)
3. Do not swear falsely by the name of the lord. (Do not take the lords name in vain – no Jesus, Godalmighty, etc, as well as being true to your word when you swear in his name: take an oath.)
4. Keep the sabbath holy.
5. Honour your father and mother.
6. Do not murder
7. Do not commit adultery.
8. Do not steal.
9. Do not bear false witness. (No lying, no turning a blind eye to something.)
10. Do not covet your neighbours wife. (Or his house, car, job, etc.)

This next bit surprised me when I read it, and I hope it raises some questions in your minds.

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Aint technology great

Every day, in every way, technology finds new ways to help us.

I’ve just (well, for a month or two now) had a small problem with my car.  It’s nothing major, really – my remote key only works when it feels like it.  You drive to the shops, get out, and the car won’t lock; or you get back from the shopping, and the car won’t unlock.

Ah well, these things happen, I suppose.

Only… the car is less than six months old.  And there is no way to lock the car if the remote doesn’t work.

That’s right.  If the remote fails, the car will not lock.  You can put the key in, and lock the drivers door physically; same with the passenger door; but the rear two doors and the tailgate?  No keyhole, no locking mechanism.

My car was outside, on a public street, with all my fishing tackle in the back, all night, unlocked.  Guess how well I slept. 

Luckily, I can see the car from my bedroom window, so checking every five minutes wasn’t too hard.

I assumed, as one would, that it was just me: I was an idiot for being unable to work it out, and there was a way to lock the car without the remote. 

As an old friend always used to say: ‘I was wrong once; I thought I’d made a mistake, but I hadn’t…’  It wasn’t me being an idiot – there is no way to lock the car without the remote!

Now, is it just me, or do some of you agree that that is just plain stupid?  Yes, by all means make our life easier with remote central locking – but for pity’s sake don’t remove the sensible key locking arrangement!  There is a ‘lock’ button on the dashboard, is it so hard to link that to the drivers door lock?

In what techno world does it make sense for a device that relies on a battery to be the only method of doing something? 

I took the car to the garage this morning.  The guy there said that all modern cars were the same.  I’m appalled, but at least I’m not cursing now for choosing the wrong brand of car.

Of course, when I got to the garage, the remote worked.  It didn’t work when I got in the car at home, but it worked when I got out at the garage.  When the guy came out to look, it worked to unlock the car, and I just knew it was a wasted journey – but then he tried to lock it again, and it wouldn’t.  Phew.

He tried the spare key with the same result.  So he put the key in the ignition, turned it on for a few seconds, swapped keys and did it again, then shut the door, and both remotes worked. 

‘That’s it,’ he said, ‘it just needed the SIM’s to re-recognise the keys.  It’ll be fine now.’

Sorry to say I laughed out loud when he clicked the remote to demonstrate, and nothing happened.  ‘Ah…um… I guess we’ll need to get the car in for a look.’

So now I have to get up early and take the car in, and hope that my intermittent fault is there when they look at the car, and not there when they say it’s done…

As for locking the car… there’s a button on the dashboard that locks all the doors, but it only works if they’re all shut; the key only physically locks the door it’s in.  I asked the guy what I was supposed to do…

“Well, there is a way you could do it, but I’m not allowed to tell you what it is.”

“What is it that you can’t tell me?”

“I can’t tell you that if you open the window, shut the door, put the key in the ignition and turn on, press the locking button on the dash, press the button to close the window, and get the key out before the window cuts your arm off, the car will be locked with you outside holding the key.”

“Okay, don’t tell me how to do that.  Thanks…”

You know, I’ve just worked out how I can lock my car: if I open the window, close the door…

A ’special’ offer

When I took up fishing again, just over a year ago, I bought various magazines.  Then I settled on one in particular, that seemed to have the right mix of basic and advanced material for me.

Every month, there was a different offer to tempt readers into subscribing, and I finally succumbed to one.  One of the cheap reels I’d bought to start with broke, and they offered me a decent reel as a gift if I subscribed.  Now, they said the reel was worth £44, and the subscription would only be £36 – which is a bit of a no-brainer, really.

Of course, I knew they were lying to me - and I proved it a few weeks later by buying another of those reels for £22.50 – but it was still a good deal: I got my subscription for just under £14, really, after taking off the cost of the reel.

I was happy with the deal.

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I’ve never met you, but I think you’re perfect…

As you know, I play a lot of online games, ranging from MMO’s to simple point-and-click browser games.  I have done for many years, and I’ve noticed a strange phenomenom during this time.

Most of these games provide a ’social’ element: you can normally chat with other players, and there is usually some form of ‘club’ available.  In Everquest it was a guild, in WoW it’s a clan, in The West it’s a town – whatever the name, it serves the same function: it allows players to create a family of like-minded players.

I’ve had a lot of pleasure from guilds/clans/supergroups (I’ll call them all guilds from now on) in my years of playing.  At one time or another I’ve held every post available, from prospect to leader, and I’ve made some very good friends.

A good guild provides help, support, and a sense of community.  It’s a great feeling to log into a game and have a dozen or more players immediately say Hi to you.  In some instances, it’s been as long as half an hour before I’ve been able to do anything for myself, because of the sheer volume of public and private conversations dropped in my lap.

If you need a particular item, a call to the guild normally gets a result: either a member has one you can have, or a group will form to go and get it for you.  I’ve known times when a dozen or more level 60 players have taken over an area and equipped every level 10 player with a great piece of gear.  Not just every player in our guild – every player online at the time.

If you have a difficult task to complete, a call to your guild usually results in more help than you can handle.  Again, I remember an instance when I asked for help and had to turn players away – seven different guilds were there to help me.  I never did quite work out why I was so popular… :?

So, that’s the good side of guilds.  You have a family of players who share your values, who share your humour – who will be there to help you, as you are there to help them.

Then there’s the other type of guild. 

The type of guild made up of players who want things from the guild, but don’t want to give.  These are actually the biggest guilds, normally.

Why are they the biggest?  Because they will invite anybody to join. 

Players in these guilds never join because they agree with their policies.  They never care about policies.  They want to know that the guild is big enough that the player can hide in a crowd while doing their own thing.  They want to know that the guild has a ‘bank’ where members can help theirselves to good items of gear.

Joining these guilds is really easy: all you have to do is stand still for five minutes.  Every game I’ve played where it is possible, I have had a guild invitation pop up on my screen without warning.  And when I say without warning, I mean it’s an invite from somebody you’ve never seen, met, or spoken to.  Usually, if you look around, you can’t even find them – they may be miles away from you.

How they do it is beyond me: the only thing I can come up with is that they just look at the list of players and invite everybody on it.  Sort of like picking up the telephone directory and calling everybody in it.

It really confuses me, though. 

How do their minds work?  Anybody who would accept an invitation like that is exactly who I would not want to be in a guild with.  A guild of players like that very quickly becomes infamous – if you see that guild name, you know the player is to be avoided.

I’ve known guilds that I refuse to associate with: meet somebody from the guild and refuse to have anything to do with them beyond informing them that their guild is the reason.  ‘Sorry, but as long as you’re in XXXX you are not welcome in my group.’  ‘I don’t help XXXX guild, ever.’  ‘Ah, when I said you could have that, I didn’t realise you were in XXXX’

You do get a lot of hassle, taking this kind of stance – because they are the largest guilds in any game – but it’s worth it.  I’d rather play alone than be associated with that kind of guild.  Strange, isn’t it, that being in a minority is the right thing to do?

I believe in democracy, in essence – but when the majority want to do something that is clearly wrong, I believe it’s our duty to stand up and be counted.  Since when was a lynchmob ever right?

Sorry, I’m rambling again.

I just got tired of all the random invitations I keep getting.  But I guess that’s the way society is going: join facebook, myspace, etc, and total strangers will ask you to be their friends.  Any facebook user with less than 10,000 friends is a failure.

Me, I’d rather have one real friend than a million facebook ‘friends’ – and I’d rather play alone than join a guild that uses random invites.

But that’s me.

Thanks for the help, now get lost…

Headline story today: RBS has made a profit!  Yes, the Royal Bank of Scotland has finally started to make money again.

This is great news for us all.  Isn’t it?  I mean, we do own 80% of that bank.  Our Government spent a lot of our money, bailing them out when they made a mess of things, and in return we got 80% of the business.

The deal was that we bail them out, and they lend money to british businesses – to get the economy moving.  It was a good deal all around.

Only…

They didn’t lend money out.  Not to british business, anyway.  Apparently, only 20% of the loans made go to british business, the other 80% went overseas.

And now, well… The bank bosses ‘honestly’ believe that the best thing for the government to do now is sell their shares.  Yep, they want us to give up our stake in the business, now that they are starting to make a profit.

I’m curious, though.  Just how much interest would they charge, if they lent out that amount of money to a business with that history of risk and bad business practice?  Would they even lend it in the first place? 

Let’s see, you pay huge bonuses to your staff whether they deserve it or not; you are in debt spiral; your business is losing vast amounts; and you want us to bail you out?  Sorry, we don’t lend to anybody who needs the money.

I’d like to say that we, as a people, are not stupid enough to sell our shares – but I’m sure it will happen fairly soon.  In fact, I would be very surprised if there weren’t already arrangements in place for the Politicians to buy the shares at a discounted price – now that the price is going up again.

The rich get richer, and the poor get shafted.  Same as always.

Road rage

I’ve not posted for a few days because I’ve been away.  I travelled 200+ miles to attend a family christening, and made use of my time away to get in a fishing trip with my father.

I drove up, and it was motorway all the way.  The first 30 miles took well over an hour to cover – bloody tourists.  I made a big mistake, and set off at noon on Saturday.  Worst possible time, in retrospect, and I really wish I’d just thought for a minute before leaving.

You see, We live at the gateway to the South West.  All the traffic for Devon and Cornwall goes past our door.  And if you stay in a hotel, B & B, caravan, or even self-catering, they expect you to vacate the premises by 10am. 

So you leave at 10, and you reach the motorway where I live at around 12…  And I set off at 12.  Oh joy, hundreds of bloody tourists jamming up my road!

Research has proven that the best course of action in a traffic jam on the motorway is to stay in your lane. 

Those who swap lanes to try and steal a few yards don’t arrive any quicker, but they work hard all the time, constantly looking for a gap to force their way into, checking which lane is moving fastest and worrying how to get there, etc.

Those who sit in their lane, and go with the flow get there just as quick, but arrive relaxed.

Guess which camp I fall in.  That’s right, I arrived all stressed out and angry.  I tried staying in my lane, I really did.  But… When you see a lorry in your lane swap lanes, pull past you, then swap back to your lane and pull away, you realise there’s something wrong.  When a stream of traffic pulls out of your lane behind you, then pulls back in ahead of you, you get annoyed.  When you finally swap lanes yourself, and see that ten cars ahead of you is an idiot who is letting everybody in… 

Yep, ten cars were sat there, in the outside lane, while the entire motorway passed on the inside and pulled in front of a ‘considerate’ driver.

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You get what you pay for, don’t you?

Talking to a friend today,  a chance comment set me off.  I didn’t say anything to her, but after she left I had a good old moan to my partner.

This friend has just had a photo she took printed in the local paper.  It’s a nice shot, taken from her upstairs window, and it shows a lovely view. 

Where she lives, they have no streetlights, the police never patrol, there is no recycling service, there are no real ’services’ at all.  It’s a quiet area, out in the country, and it’s an ideal place to live – but the only service the council provides is a weekly rubbish collection. 

Our friend is the ‘greenest’ person we know – so she spends money on petrol taking most of her rubbish to a recylcing centre.

Now for the bit that got me angry:  her council tax bill is enormous!  She pays a fortune to the council.  Not for any service that they provide – but for the view she has from her upstairs window.  The downstairs windows look out on nothing but her own garden, or outbuildings. 

I never realised that you were required to pay the council for the privilege of having a view. 

It’s a nice view.  I’d love to have a view like that.  But if I was given a choice between no view with a tax bill of £100, and a nice view with a tax bill of £500 – I’d choose the no-view.  We spend most of our time looking at screens, anyway! 

I’d take that £400 difference, and put it towards a holiday in the Lake District – and have a real view for a week or two.  Or use it to pay for a better house.

I find it disgusting that the council can charge exorbitant fees for something that they did not supply.  (I know Politicians think they’re gods, but I’m afraid I don’t believe in them.) 

Isn’t it about time our council tax bills told us exactly what we were paying for?  Imagine being able to say ‘Sorry, I’m not paying that for recycling – I’ll do it privately.’  Or ‘you want how much to empty my bins?’

Let us pay for the services we use, in the proportion we use them.  Charge us 50p per bag for garbage collection, and allow private firms to offer to do it for 40p.  

Force the drunks who make a police presence on the streets essential pay for that presence.  Why should those who sit at home quietly be expected to pay the bill for controlling a gang of drunken louts?  I’ve had little ‘need’ of the police, really.  At least, nothing that I have done has required the police.  The only need I’ve ever had of the police is to stop other people being stupid.

Why should law-abiding citizens pay the police for protection?  That’s what it is, in essence, you know.  It’s a protection racket: pay us, or we won’t stop them.

What a lovely idea: make the criminals pay for the police services they utilise!  Put them in factories, and make them work to pay off their debts.  ‘You owe us £5,000 for catching you; £35,000 for the trial; and £100 a day for the prison factory.  You need to work an 80 hour week for ten years to pay off your debt.’

Never happen, 0f course.  It’s easier (for them) if we foot the bill while the criminals get degrees in Prison.

A real challenge…

I just caught a news story on the lunchtime news (I just happened to go into my partners room when the story came up.)  The story was about ‘cyber-security’ and how there is a shortage of skilled people.

There’s going to be a competition, apparently.  Step one will be solving a puzzle.  Later steps would involve viewing a website and pointing out mistakes or flaws; and defending a network against attack.

Sounds fun.

There’s a slight problem, though.  I’ve just discovered that the people running the tests are stupid. 

After a news story, or when you launch a promotion, the first thing you would expect (at the very least, you hope and pray for – or there’s absolutely no point doing it) is a response. 

Tell a nation of internet users about an internet security website, and how many guesses do you need to predict what they will do?  In my case, it’s one: they will visit it.

They will find the address for the site, type it into their browser of choice, and try to visit the website in the story.

That’s what I did. 

I’ve no idea what the site looks like, because the site couldn’t handle the response.  There were too many requests for the page.

So, the people behind the search for internet geniuses failed to predict that people would be interested in the search.

I was interested.  I would actually have had a go at it, though with little expectation of getting far – I have never tried to hack a website, and have never made any attempt to find out how to do so. 

My security is based on the fact that I have no interest in 99% of the garbage infects the internet – all the ‘popular’ stuff that attracts the bad guys.  Think about it: if your aim is to ‘infect’ the maximum computers, you base your attack around the most popular sites. 

I never even visit facebook, youtube, freindreunited, or any of those – and I firmly believe that an email is text-only, not a pretty paper, and coloured text, and images and sound and any of the other garbage that gets added nowadays.  By these simple rules, I’ve reduced my risk by 95%.

As far as I’m concerned, direct marketing by ‘legitimate’ companies is a greater problem than all the hacking, phishing, and virus attacks I see.  And direct marketing will never be a part of any security upgrade, so what do I care?

I couldn’t get on their site when I wanted to, and I’ll probably never bother to try again.  I wonder how well this initiative will go?  How many others will take the same attitude as me.

The world is full of idiots

I think I’m an intelligent person.  (I’m probably as much an idiot as anybody, but I just can’t see that…)

My attitude to life is that any day you fail to learn something is a day wasted.  It may only be a better way to tie my hook onto the line, or how they make shopping trolleys, but I will learn something every day, given half a chance.

And once I’ve learnt something new, I love to share it with anybody I can trap.  I’m sure people see me as a ‘knowitall’ who loves to show off – but that’s not really me.  No, I love to learn things, and I’m convinced that everybody else is the same…

A large part of my persona, though, is sharing my knowledge.  I love to be able to answer questions, which is why I spent so many years – as a volunteer – teaching computing to the elderly.  We did monthly drop-ins where I would try to answer any questions they came up with.

It seems, though, that I’m unusual in this.  I know my father is like this: we always joke about his ‘lectures’ on any subject under the sun – but this is the same as my answering questions.  (I think we share the same fault, too, in that we give far more information than is wanted. :( )

And this is where the title of this post comes in.  My last post was about adding the privacy policy to this site, and the problems I had finding the information I wanted.  There are two other ‘experiences’ I’d like to briefly share, too.

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