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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Exciting Picture News  
Wheeeee!! Not only am I getting an acknowledged* publication (small, down the back) of that photograph from the previous post (informally titled Dust Day Laundry) in a Quick & Dirty, but pretty, MagCloud occasional issue of pix from the Great Sydney Dust Day called Strange Light: Photos from the Great Australian Dust Storm (very entrepreneurial of Mr Powazek), but made my very first public photo sale! (Through my CafePress store) Haven't seen pic on paper yet, I do hope it prints up OK. There's $US0.50 somewhere in that system that's mine, mine!, mine!!, allllll mine!!! Ha ha ha ha ha ha ha!!
(OK. <quick sigh> Actually, it's ~80% mine after tax, but the full 50c has, like, total personal gloating rights, heh.)

I'm wondering if this might be one example of The Future of Publishing — The post next to that one on Derek Powazek's blog is entitled: How to Publish a Magazine in a Day and a Half. OTOH, it's pretty much a modern version of those early broadsheets about notable events, e.g. a celebrity hanging. On the gripping hand, there are discussable differences as well as similarities.

* Me, bitter about unacknowledged use of my stuff over the years? Certainly.

Labels: dust storm, money, photos, publishing

More ... [permalink] posted by Mez at 12:53 pm

 
Shielded with smoke, bedazzled by mirrors  

Budget puts tax burden on average workers
Matt Wade Economics Writer
May 15, 2007
www.smh.com.au/ news/ national/ budget-puts-tax-burden-on-average-workers/ 2007/ 05/ 14/ 1178995079809.htmlor
www.smh.com.au/ articles/ 2007/ 05/ 14/ 1178995079809.html
or
www.smh.com.au/ text/ articles/ 2007/ 05/ 14/ 1178995079809.html (text-only version)

Labels: money, politics, society

More ... [permalink] posted by Mez at 10:38 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

 
Taxes: Building Our Future  
Taxation for the 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. These sorts of "public goods" have, in history, been badly served by private investment, and taxes are needed so they can be invested in these, to help tide us over future difficulties.

One type of capital is our natural resources: fertile topsoil, clean fresh water, fisheries, etc, etc, etc. Recently there was an estimate of $10 Billion to restore them to function on a long-term, sustainable basis. (We have only begun to recognise how important some of the unseen supports like this are once we'd knocked a few out, eg, the multiple causes and effects of salination.)

The other is the massive public (& private) investment in our urban and rural infrastructure: water & sewerage systems, transport (not just roads) for goods & people, energy generation & distribution, communications, as well as health systems, education, firefighting services, etc, etc. Many were developed over the century from mid-Victorian times to the middle of the 20th Century, & haven't been maintained much since.

Now we have a chance to repair and, indeed, *improve* these, learning from earlier mistakes and using more efficient, less toxic methods. This will give a good basis for our descendants to improve their lives, instead of scraping by, slowly getting worse, regretting lost opportunity.

Most of these projects, public or private will need some sort of support from public funds, either directly or through rebates or deductions. Now every tax rebate or deduction has to be made up from somewhere; either cutting someone elses' services or raising their tax (that's why I don't claim my charitable donations). Thus anything attracting such support should be really making a contribution outweighing that if you use "triple bottom line" accounting which takes into account the usually-hidden impacts on those two capital resources, and on the social structure.

A skilled population, whether it's tradespeople, engineers, doctors or nurses, is a valuable resource in itself, and an investment for the future. Yet the present PM, reported in Hansard introducing a training bill, actually described the training part of a person's time as not "productive". Doesn't bode well for his government's support of improving our workforce.

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 energy or transport systems (eg fixing/rebuilding bridges or taking freight off roads, thereby reducing 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.

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

More ... [permalink] posted by Mez at 3:37 am

 
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

 
Supply and Demand (Goose & Gander Sauce)  
Supply And Demand
Wednesday, July 21, 2004
http://respectfulofotters.blogspot.com/2004_07_01_respectfulofotters_archive.html#109043406521044247

I'm still catching up on blog reading, so I almost missed Kevin Drum's hilarious economics contest (http://www.washingtonmonthly.com/archives/individual/2004_07/004329.php ) (also see below):

Supply and demand. Yes indeed. The labor market is a slave to supply and demand just like any other market, right?

Odd, then, that CEO pay rose 27% in 2003 ( http://moneycentral.msn.com/content/invest/extra/P83603.asp ), isn't it? Did the supply of CEOs shrink last year? Did demand skyrocket?

What's more, compared to average workers, who remain stuck in the invisible grip of Adam Smith, CEO pay has increased about 3x since 1990 and about 7x since 1980 ( http://www.commondreams.org/news2004/0414-10.htm ).

Is this the free market at work? That's what I'm told. So I have a contest in mind: a prize for the least laughable explanation for why CEO pay has gone up 7x since 1980 based on supply and demand ...

http://www.washingtonmonthly.com/archives/individual/2004_07/004329.php
July 18, 2004

WORKING CLASS WOES — PART 1....The New York Times reports that the working class isn't doing too well these days:

On Friday, the Bureau of Labor Statistics reported that hourly earnings of production workers - nonmanagement workers ranging from nurses and teachers to hamburger flippers and assembly-line workers - fell 1.1 percent in June, after accounting for inflation....In June, production workers took home $525.84 a week, on average. After accounting for inflation, this is about $8 less than they were pocketing last January, and is the lowest level of weekly pay since October 2001.

...."There's a bit of a dichotomy," said Ethan S. Harris, chief economist at Lehman Brothers. "Joe Six-Pack is under a lot of pressure. He got a lousy raise; he's paying more for gasoline and milk. He's not doing that great. But proprietors' income is up. Profits are up. Home values are up. Middle-income and upper-income people are looking pretty good." ...

Labels: money, society

More ... [permalink] posted by Mez at 5:32 pm

 
Barefoot Doctors & Bush Lawyers  
Uses of Universities - some kind of tunnel vision?
I hear a few people, and see letters to the paper, say: "I never went to Uni, but my taxes are subsidizing these students". Maybe they've taken Maggie Thatcher's "There's no such thing as society" just a bit too literally. We are all interdependent on many others.

Would these persons (or their young children or aged parents) be happy to
be treated by nurses & doctors & pharmacists who did a quick 3-month course by correspondence, like the barefoot doctors?

How would they feel driving on roads, freeways & bridges constructed by engineers who learnt it all from a book & by talking to a council worker who'd worked on some roads?

Wouldn't it be fun using the water supply & sewerage system (or living downstream of a dam) if those designers & engineers were self-taught too? Or being near a factory, refinery or similar complex dealing with toxic chemicals, high temperature & pressure not designed & checked by someone qualified to?

What about walking through the city with its skyscrapers if none of the architects had been certified for anything larger than a 3-storey walk-up that they'd learnt about by being a builder's labourer?

Check with the inhabitants of some of the cities where sudden collapses of blocks of flats happen every year (tho' much of that devastation is said to be because of poor inspection & enforcement of those naughty bureaucratic regulations).

And if you did want to sue for injury caused by faults with these, you'd
have to settle for a Bush Lawyer, I guess.

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

More ... [permalink] posted by Mez at 5:26 pm

 
Tax Cuts - Squandering our Future?  

Tax Cuts - Squandering our Future?

My entry in a guestbook asking for comments on recent speculation that this Budget will spend a large expected surplus on giving large tax cuts - which would mostly benefit higher-income people. There could be a lot more said on this, which I won't go into.

EXCEPT for the furphy about "Oh, these are State, not Federal issues".
And 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 government, trickling down to Local. Remember that fuss just recently about NSW's share being cut? There are also several bodies which combine Commonwealth & States to look after particular issues either nationwide or like the Murray-Darling or Great Barrier Reef.

AND: "You'll spend it all and we won't have anything left when there isn't any surplus." First, note that I wrote below about putting the investment into things, both physical & social that will stay.

A person educated as an engineer or doctor or nurse or teacher might be lost to that profession, but it's not likely they'll lose all their skills immediately, they'd probably return if they have to change for a short while, otherwise they'd probably - if the government-controlled circumstances allow - 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 fairly skilled (if averagely-paid) job (though I'd prefer to feel I was contributing more to the world).

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 energy or transport systems (eg fixing/rebuilding bridges or taking freight off roads, thereby reducing 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.

---

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 to them.

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. Many were developed in late Victorian times, into the first half of the 20th Century, & haven't been maintained.

Now we have a chance to repair & *improve* these, learning from earlier mistakes. This will give a good basis 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.

If 12% of Australians are in the top tax bracket, 88% are lower. 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 you too often see in both the third world & the US when a crisis hits someone. That's why there's support for services - even if there's doubt that spending will go towards what you most want.

Labels: money, society, tax, Taxation, thoughts

More ... [permalink] posted by Mez at 12:57 pm