291 posts • joined Wednesday 30th June 2010 15:07 GMT
But if you do own the rental property outright, and you're in the 40% tax bracket, then you're treated rather harshly for tax purposes.
Let's assume you own your house outright and rent it out, while working in another city where you rent from a landlord. Assume that both houses cost the same in rent. Your rental income only covers 60% of your rental cost because the rest goes on tax.
The only way to avoid this is to take out a mortgage on the first property and use it to buy a home in the city where you work. The current tax system actually encourages you to load up on debt so as to minimise your tax bill. A cynic might suggest that that is a deliberate feature, not a bug.
Imagine if this strategy was rolled out across government. The police could survey members of the public, asking if they have committed any crimes recently. Makes sense, since we can always trust the bad 'uns to incriminate themselves.
Re: Landfill devices
Not a fanboi. The Samsung Galaxy S4 also commands a premium in Australia; but the budget Samsung Galaxy Ace Plus S7500 is actually cheaper in Australia ($189 at Kogan) than in the US ($249 at Best Buy).
Yup. Apple charge over the odds for the iPhone down under, but there's no "Australia tax" on unloved landfill Android devices. They've worked out that Australians are willing (and able) to pay more for premium products.
Thanks to your higher wages you still end up better off. Whinging Aussies....
These patches wouldn't be half as annoying if Windows could update files that are currently in use. Mac OS X achieves this, most of the time. Having to close my dozens of applications with their carefully-positioned windows is a significant pain point.
On the absence of leaks
Presumably there is no new hardware to leak, since the iPhone 5 isn't really due a refresh until autumn.
Is SQL injection really still a problem? Any half-baked coder knows to use parameterized queries. What's more, their proposed solution sounds ridiculously complex.
But cloud computing is making storage invisible. As storage (and computing power) become commodities, the interesting action moves higher up the stack.
Then again I'm a developer, so I would say that....
Re: "get annoyed when their Facebook friends share inane details"
There's a big difference between sharing your personal details such as name, home town, school, date of birth; versus posting inane updates like "I'm eating a ham sandwich". It's only the latter that annoy.
Re: EC1 ~ £600pd, E1 ~ £??? @Buzzword
You're assuming that the supply of skilled workers is fixed - when in fact we have a highly flexible labour force and we can import workers from the rest of Europe. If salaries in Shoreditch aren't enough even to attract an unemployed Spaniard or Greek, then they're definitely not paying enough.
There's no such thing as a lack of skilled workers. There's only a shortage at a given price. In other words they just aren't paying enough. Shoreditch's start-ups have to compete for talent, and they're up against the City's well-paid financial sector next door. I've never heard a City bank complain of a shortage of developers.
No new roads?
But not all work time is of equal value. Your businessman might be worth £50 an hour on average, but the work he can do in the train or the driverless car isn't the same work that he can do in the office. In my experience the work you can do on the train is of much lower value, e.g. sorting your inbox, adding animations to your Powerpoint presentation, or dashing off quick emails like "I'll get back to you when I'm back in the office".
Putting these numbers into the mythical cost/benefit spreadsheet would still give HS2 a lower benefit than assuming no work at all is done on the train; but a higher benefit than assuming that all work is equal.
There is of course a uniquely British disease of saying that what we've got is good enough, and that rather than build more we should just charge people more to use it. This applies to trains, airports, housing, water, energy, etc. I'd be glad to have HS2 just to prove that we're capable of pulling our collective finger out.
Re: Ooh, I can safely store my credit card and passport scans on it!
I did once use an online copy of my passport, displayed on my smartphone, as proof of ID to rent a car. I don't think it was standard procedure though :)
(it was in my "sent mail" box, having recently been sent to a recruitment agent)
Pedantry alert: A4 measures 210 by 297mm, or 8.3" by 11.7", so the diagonal is 14.3". The 13.3" screen will fit A4 as long as there is at least a 1cm margin on all four sides.
Private companies DO do this
Want to rent a flat in London? Letting agencies regularly ask for 3-6 months of bank statements as proof of income. Recruitment agencies also ask for scans of passports. To rent a car using just a debit card (not a credit card), at least one major car rental company asks for not only a driving licence, but also a passport and a proof of address such as a utility bill or a bank statement.
There's nothing particularly unusual in Apple wanting to check the identity of their customers.
Just give us voice quality
There are only two features that I demand from a modern phone, over and above it's 1950s equivalent:
- Caller ID
- HD voice
Amazingly, many companies still don't bother sending out the true caller ID; at best you get the ID of the reception desk. In this day and age it's inexcusable.
As for voice quality: In the last two companies I worked for, the phones themselves were perfectly capable of supporting HD voice, but the option hadn't been activated at the switchboard / server level. Why manufacturers don't enable it by default is beyond me. They're deliberately making their own products look bad.
Re: Windows Phone+ is a poor name
Here's the full list of Microsoft's trademarks: http://members.microsoft.com/library/toolbar/3.0/trademarks/en-us.mspx
Personally I quite like the name "Digital Anvil" for a slab-based OS.
14th May event?
There is a Nokia event scheduled for 14th May in London. It wouldn't make sense to announce a Verizon-compatible phone in the UK, so there must presumably be more to it.
Price: Quantity vs Quality
The problem is the price. For £2,000 you can give your engineers one Toughbook, or you can buy eight netbooks. Unless they're particularly clumsy, or working in inhospitable environments, they're unlikely to chew through eight netbooks in a four year period.
Most Toughbook users only ever use them inside their vans or site offices; they aren't pressing buttons in heavy rain. For those people, a cheap netbook is a better value proposition than a Toughbook. (Obviously if you do need to press buttons in the rain, then stick with the Toughie.)
Just kill Metro and bring back the Start menu. There, that's everything fixed for Microsoft.
When you say 3,500 hours, do you mean that he started the project last November and he spent the odd spare hour here or there working on it? Or do you mean 3,500 hours of solid work, which is near enough two years of full-time employment?
This leaves two questions:
1) What fast-growing industry would you recommend to school-leavers today?
2) What should those of us left in IT do to protect our wages?
As for #1, it seems obvious that youngsters should steer clear of IT if they want a (financially) rewarding career.
But #2 is less clear. Is now the time to take a permie position in a government department, safe in the knowledge that your wage will never fall? Or should we branch out, learn lots of skills, and try to find ways to use them all in our day jobs so as to keep our CVs looking good? Or just progress up to management and spend all day shouting at the poor folk who were too foolish to ignore #1 ?
As yet there is no option to edit public transport lines. This is a shame, as their tube map is particularly shoddy. In most places they've just drawn a straight line between two stations, even in the above-ground areas where you can see the tracks in satellite view.
For the UK consumer, the timeline looks like this:
1996: H.262 (MPEG2)
1998: ONdigital, which became ITV Digital
2002: Freeview, from the ashes of ITV Digital
2003: H.264 (MPEG4)
2009: Freeview HD
Given the current track record of taking six years from tech spec to product launch, can we pencil in the launch of Freeview 4K or Freeview HD+ in 2019 ?
Re: We already have a system that you pay more the more you drive...
"drivers are heavily subsidised"
Err, what? On the contrary, drivers subsidise the exchequer to the tune of some £20bn per year. Revenues from fuel duties and vehicle excise duty amount to £31.5bn; yet the government only spends £9.9bn on road maintenance. (2009 figures).
In other words, they only started thinking about innovation when faced with the prospect of losing their cosy monopoly.
Amazon's notable advantage is its network of Amazon Lockers. These reduce delivery costs by an order of magnitude compared to delivering directly to homes or businesses, and yet they are incredibly convenient. Trying to compete on last-mile deliveries is like an exercise in futility.
Didn't a certain vulture-themed IT news website recently add a very similar "Highly Rated" feature to its comments? :)
Dead business model
Their time in the market is over. A few years ago we had dozens, perhaps hundreds of suppliers all offering PDAs and semi-smart phones of various flavours. Expansys was the #1 shop to find unusual creatures such as the HP iPAQ, the O₂ XDA, the Dell Axim, or the lesser-spotted offerings from HTC, Dopod, Qtec, Fujitsu, Palm, etc. They also sold sat-navs from a myriad of companies. (In fact I look back on such times fondly, when Windows Mobile was the dominant OS.) Today everyone just wants an iPhone or a Samsung Galaxy, and they can buy those from their local Phones4u. Expansys no longer offer anything different.
For true security, these high-roller private rooms should be enclosed within a Faraday cage. No leaking of Wifi, 3G, Bluetooth, ham radio, or indeed anything. It's the only way they can be sure.
Why is the hacking contest held in affluent Vancouver? They'd surely get far more hacks if they offered a half-million dollars in prize money in China or Russia. These two countries are also the source of much of the world's most advanced hacking, so they'd be drawing on a knowledge pool that is both wide and deep.
"check the status"?
"You’ll be able to check the status of your car long before you slip in behind the wheel."
What's a car's "status"? I can't think of anything that I want to ask my car before I get in. No doubt the car will just reply: "It's complicated".
Voice recognition + Google translate?
Maybe technology can help address the shortfall?
Re: What am i missing here ?
Plus a criminal record, which will be a headache when it comes to getting a new job when they come out of prison.
According to the source article in the Telegraph, he also has an £80,000 Jaguar E Type in the garage. It's hardly grinding poverty now, is it? With the proceeds from that and his state pension, he'll be perfectly comfortable.
Re: year + arbitrary digits + check digit
Check digits are useful if people are typing or reading the digits manually. A decent check digit will catch one or two mistakes in other digits.
Your debit or credit card includes a parity check - search online for the Luhn algorithm. Amongst other things, it means websites can check that you've typed it correctly before sending the number to the payment processing company.
Natural Key vs Surrogate Key
If only they had used GUIDs, then there'd be none of this trouble.
It just rolls of the tongue!
Those contractors on NHS projects - how hard can it be to keep them on? The company gets paid £600 a day, the contractor collects £200 a day, deduct some money for overheads and expenses, and you've just created a profitable company. The administrators can spin this off and use the money to pay debts due.
Why are American prices so much higher?
Is it because the networks genuinely incur higher costs, or is the market simply less competitive? There are also a myriad of hidden charges, from 999 fees to state and local wireless taxes. The government and private companies both seem intent on picking the poor customer's pocket, and doing so with a maximum amount of confusion.
Re: Flat tax
The hardest part of a flat tax is working out which expenses are deductible.
When is a train ticket a tax-deductible expense? The current rules say that short business trips are tax deductible, but your regular commute is not. Unless of course you're a contractor, in which case commuting counts as one long business trip. (Even that is an over-simplification of the current rules.)
There's no obvious way to make it simpler. If nothing is deductible then companies can't deduct legitimate expenses, and you might as well just have a flat tax on income or turnover (which would be disastrous). If everything is deductible then I'll do my weekly supermarket trip with the company credit card, and nobody will ever pay tax.
There's a decent explanation of the expenses / deductions issue on Wikipedia:
I vaguely recall that it wasn't possible to use the £ sign in the original Lotus 1-2-3, and that some enterprising young Brit made a decent wodge of cash selling a hack to replace the dollar sign with a pound sign. That same Brit went on to become a half-decent tech entrepreneur. Can't remember for the life of me what his name was though.
Re: Looked good...
4GB might be enough today, but if your shiny new laptop is expected to last 4 years, will 4GB still be enough by then?
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