moon phases

Started this before change to "New Blogger", as backup in case of trouble with digiphoto blog "In a Small Dark Room", or rants & links blog "Hello Cruel World" . Useful - at one stage Dark Room was there, but like the astrophysical Dark Matter, we could't see it ... better now, but kept Just In Case.

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There is nothing. There is no God and no universe, there is only empty space, and in it a lost and homeless and wandering and companionless and indestructible Thought. And I am that thought. And God, and the Universe, and Time, and Life, and Death, and Joy and Sorrow and Pain only a grotesque and brutal dream, evolved from the frantic imagination of that same Thought.
Mark Twain (letter to Joseph Twichell after his wife's death)
[me, on a bad day]

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WRITER'S LINKS
Absolute Write Paypal donation button:

Absolute Write is one of the leading sites for information on writing and publishing, especially the scam versions thereof. It has a broad, deep online community with an enormous message base going back years. Now it needs help. See the details and discussion here
Preditors and Editors
Everything you wanted to know about literary agents
On the getting of agents
Writer Beware
Miss Snark
Writer's Net

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(and my Wish List)

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Fun & Fantasy in Bloomington, Minnesota  

Just In Case someone is reading this, here's some information about something you might enjoy, if you're able to be there.
Fourth Street Fantasy Convention (see www.4thstreetfantasy.com)

I’ve heard tales, … I know people who traveled to [it] … It is a place where conversations have depth, and plant seeds of thought, sometimes even seeds of creativity. A place with music which opens up vistas that words cannot. A place of companionship, small and comfortable, but varied and lively.
One unique thing about programming at Fourth Street Fantasy Convention is that there’s just a single track of programming, that way we’re all part of the same ongoing conversation.
I’ve gotten together many of the people who made Fourth Street Fantasy Convention happen before, and asked them to help me make it happen again.

From 1986 to 1995, Steven Brust and his friends put on a deep, intelligent, and intimate convention on the literature of the fantastic. In 2008, it will return.

June 20 - 22, 2008 at the Holiday Inn Select Airport Hotel in Bloomington (Minneapolis), Minnesota.

One of the people whose Livejournal I look in on a fair bit is having a party there, with readings and a book launch. Perhaps that will tempt you along, if that's physically possible.

Labels: information, links, science fiction, USA

More ... [permalink] posted by Mez at 7:33 pm

 
Budget 2005: Tax Cuts - Squandering our Future  

Tax Cuts - Squandering our Future

Australia is living off two great sources of capital laid down earlier, but we are not renewing or building them up - a bad sign for the future. The bulk of any surplus should be re-invested in these, to help tide us over future difficulties.

One is our natural resources: fertile topsoil, clean fresh water, fisheries & so forth. Only recently I think there was an estimate of $10 Billion to restore them to function on a long-term, sustainable basis after the damage done over a couple of centuries.

The other is the massive public (& private) investment in our infrastructure: water & sewerage systems, transport (not just roads) for goods & people, energy generation & distribution, as well as health systems, education & other vital parts of our society's structure. Many were developed from mid-to-late Victorian times into the first half of the 20th Century, & have barely been maintained since.

Now we have a chance to repair & improve these, learning from earlier mistakes. This is what will give a good foundation for our descendants to improve their lives, instead of scraping by, regretting lost opportunity.

Like the mutual building sculpture above Martin Place showing how a man can't break the bundle of sticks bound together, though each could be broken with ease one-by-one, the point of government is to bundle together our money and effort to do the things that singly are very difficult (how many of us can buy or build a new train or hospital?). And private companies are run for profit, not to provide a service.

For instance, a well-built sustainable water collection, distribution & purification system will take some maintenance over time, but will last without huge extra investment. The same for improving energy or transport systems (eg fixing/rebuilding bridges or taking freight off roads, which reduces road damage bills). A big push into reforming (in the genuine use of the word) agricultural practices & land-use, or ways of building cities can lay a good foundation for centuries of advance instead of continuing decline.

An educated person might be lost to their particular profession, but it's not likely they'll lose all their skills, they may return to it, otherwise they'll probably go to a different, but still skilled & worthwhile job. I've lost my skills as a biologist & medical researcher over the last 20 years, but work in a useful skilled job in a different field (though I'd prefer to feel I was contributing more to society &/or the world).

If 12% of Australians are in the current top tax bracket, 88% are lower. The majority of us know that if we strike trouble - like my recent medical & family crises - we will need social support. Not just trustworthy & affordable health care, but someone to help the aged mother I care for, meals on wheels, community nurses who aided my convalescence, etc.

Even if you have help from family or friends, that other support stops the total ruination that you too often see in both the third world & the US when a crisis hits someone. That's why there's community support for spending on services - even if people doubt that spending will go towards what they most value.

There could be a lot more said on this, which I won't go into.

EXCEPT those who say: "You'll spend it all and we won't have anything left when there isn't any surplus."
NO! I wrote about putting the investment into things, both physical & social that will stay.

AND: for the furphy about "Oh, these are State, not Federal issues".
Just where do the States get the majority of their funding? Most of the money is collected by States and by the Commonwealth, put into the "kitty", then split up & distributed, some via State, some via Federal, trickling down to Local government. Remember that fuss last year about NSW's share being cut? There are also several bodies which co-ordinate Commonwealth & States to look after particular issues either nationwide or like the Murray-Darling or Great Barrier Reef.

2004 Budget; same problem (4-May-2004)
A couple of related posts: Uses of Universities (13-May-2004); Annoyingly repetitive tax rate misconception (12-May-2004); Public good; public lands; public service - see my contribution

Labels: information, money, society, tax, Taxation, thoughts

More ... [permalink] posted by Mez at 8:01 pm

 
A Persistent Taxation Myth (sorta repeated)  
A Persistent Taxation Myth

I keep hearing this myth of "they're taking away half my income" once you move into the highest tax bracket, in fact Sally Loane's finacial person this morning alluded to it. The only people who ever "lose half their money in tax" are very low earners who may lose large amounts of benefits by earning a small amount.

You only pay the marginal rate on **the money you get _above_ the limit**.

Last year I did this calculation, using the ATO figures in the table below, to show you need to be earning well up in the multiple $100,000s per annum to get close to 50%.

For 2003-2004, you'll pay a total of $16,182 tax at $62,500 -- that's 25.9% -- then start paying 47 cents of any dollar above that (not counting fancy bits off or on).

To get close to paying 47% of your total income you have to be getting much, much more, e.g. 42% tax on $262,500; 46% tax on $962,500.

Of course the "average" (i.e. the Mean) income is a bit over $50,000 pa, while the "average" that's closer to the one earned by most people (i.e. the Mode) is several thousand lower than that, so there's a very tiny group earning even only $100,000, or more. [Of course if a couple is earning that much combined, they each get the advantage of a tax-free zone and lower brackets, greatly reducing the amount of tax taken out compared to the same amount earned by one person.]

The total of ALL the people -- not just those *very* high earners -- who are in the highest bracket is only 12% of the whole population (not just taxpayers) meaning that 88% of Australians are on lower rates -- virtually all of whom would be using government supplied infrastructure & services.

Without the structures and services funded by taxes, the cost of living would be very much higher, and that 80-90% would find life considerably harder. I suspect even fairly wealthy people would find themselves with less truly-disposable income without the kind of often-forgotten foundation that public works & service provide.

The majority of us know that if we strike trouble - like my recent medical crises - we will need social support. Not just trustworthy & affordable health care, but, say, someone for the aged mother I care for, community nurses who aided my convalescence, meals on wheels, etc.

Even when you have help from family or friends, that support stops the total ruination that too often you see in both the third world & the US when a crisis hits. That fellow in the news tonight with a nail in his head just got a $US80,000 medical bill, and, being a self-employed building worker, he naturally can't afford full medical insurance. There's a big health-lending market there. That family has decades in unexpected debt that will drag them back in very many ways.

____________________________________________________________
Tax rates 2001-02 and 2002-03
Taxable Tax on
income this income
$0 - $6,000 .............. Nil
$6,001 - $20,000 .... 17c for each $1 over $6,000
$20,001 - $50,000 .. $2,380 plus 30c for each $1 over $20,000
$50,001 - $60,000 .. $11,380 plus 42c for each $1 over $50,000
Over $60,000 .......... $15,580 plus 47c for each $1 over $60,000

Tax rates 2003-04
Taxable Tax on
income this income
$0 – $6,000 ............. Nil
$6,001 – $21,600 ... 17c for each $1 over $6,000
$21,601 - $52,000 .. $2,652 plus 30c for each $1 over $21,600
$52,001 – $62,500.. $11,772 plus 42c for each $1 over $52,000
Over $62,500 ........... $16,182 plus 47c for each $1 over $62,500

None of these include assorted general rebates to deduct, nor the Medicare levy to add.

Source: the Australian Taxation Office web site at www.ato.gov.au/individuals/content.asp?doc=/content/12333.htm&mnu=5053&mfp=001
( www.ato.gov.au/ in general)

Labels: information, money, politics, reference, resources, society

More ... [permalink] posted by Mez at 3:25 am