Category Archives: Blog

General thoughts on life, the universe and everything. Stuff that doesn’t fit in the other categories!

Digital Age

This post is a rant. I can offer no solutions, no help. Some sympathy perhaps but that’s not terribly useful.

The story: we’re moving house. So we need to deal with lawyers and mortgage companies. For sound reasons, they both need to prove that we’re not laundering money.

Frankly, until I had to do a number of anti-money laundering courses at work I would have had no idea how to launder money. I’d be stuck like the characters in Office Space looking up the definition in a dictionary. Or, more to the point, looking it up online.

We’re not laundering money in case there was any doubt. But these days it’s really tricky to prove otherwise.

They ask for a record of your funds that is less than three months old, official and with your name, account number and address shown. This doesn’t sound unreasonable until you actually look in your files.

My bank doesn’t send me statements. The online version does not include my address. I can change my address but I can see no record of my current one.

My investments statement shows all the required details but they only send them once a year, so for three-quarters of the year they are not suitable. The numbers are available online but include none of the details and no date.

Only one of the financial services companies that I use has monthly statements with all the details they ask for. Of course, that’s the account that I don’t really need for this transaction.

Much of what I do is online these days, much at the behest of the same banks that make this whole process so complicated. Can they not see that their own customers are unable to provide the details that they are legally required to obtain?

2012 in review

I don’t normally do this kind of thing but I’ve been blogging a little less than usual this year so I thought it might be worth jotting down a few notes about what I have been up to. With pictures, obviously, as I’m never far from my camera or iPhone.

The theme, in case you missed, it is my son who grew from a tiny, sleeping-eating… thing to a walking, playing and noisy toddler.

Fist bump

This made January, our first month with the little chap, a bit of a blur. Sure, I was at work, but I don’t remember much of it. The California contingent were over and that helped enormously while we figured out what to do.

In February the pattern continued though with added snow and generally cold weather.

February snow

The main feature of March was work. With a major release going badly, I spent much of the week before Easter in the office. Even with fewer days in the week I still worked significantly more than a normal forty hour week and spent most of the holiday weekend recovering. Not a pattern I wanted to repeat through the rest of the year — and one that I managed to (mostly) avoid.

Working dinner

By April Junior was increasingly alert, figuring out how to manipulate his environment, playing with things and pushing anything not actually tied down straight into his mouth.

Junior and the teething ring

We’d spend the first few months of the year in London. Perhaps the longest time I’ve spent in one place for years! By May we decided to take a bit of a road trip up to see my family in Yorkshire and then on to the Lake District. Since we don’t own a car and Junior has only spent a few minutes at a time in various taxi’s, we were a little nervous how he would travel.

Road trip

In the end he travelled like a champ. We had expected to have to stop every few minutes but on the way to Yorkshire. In fact we only stopped once and that was because we were tired. He slept pretty much the whole way. Once Up North we had a good, if somewhat damp, trip. By the time we were heading back to London he had started rolling over (a significant milestone).

A little later we decided to up the complexity and fly to Norway. This was harder both in the sense of distance and in the sense that he was now crawling.

Tiny Viking

Again, Junior was a star. He slept most of the flight and loved the large wooden floor in the apartment we stayed in — finally somewhere new to crawl around and explore. Oslo was, unfortunately, very wet and miserable but we still had a good week.

We had better luck the following month when I finally managed to redeem a Christmas present from the previous year: an afternoon driving sports cars. I picked a Ferrari, a Porsche and a Lamborghini. Everyone asks which was best and all I can say is that they were different. All fun but in different ways.

Ferrari

Juniors increased mobility meant that we had to childproof the flat much earlier than we’d planned. And that meant little things like eating dinner at the table rather than sat on the sofa. Little hands were increasingly quick… I’m not sure we should be feeding him chips, even though, by this point, he was eating solid food.

I'm coming for your chips.JPG

The next few months passed in a whirl. The Olympics. More crawling and exploration of dirt and every nook and cranny of our flat.

Olympic London

Enjoying the dirt

After warming up (metaphorically if not literally with the terrible weather) with trips to the Lakes and Norway, October was the Big Trip to California to see his cousin and parents and grandparents. Last time they’d met, Junior was only a few weeks old a his cousin just eight months.

IMG 0880

This time there were both advanced enough to interact, though that was mostly limited to P offering things to Junior and Junior taking them, or Junior just taking P’s things anyway. I hope P becomes a little more assertive and Junior a little more willing to share next time they meet.

It was also on this trip that Junior started mimicking more effectively. P would scold him, “No, no, no, no,” while shaking his head. Junior quickly learned to copy that (though maybe not the context or why it was being said to him so often). He also took his first few steps; pretty good going for a ten month old.

Birthday robot cupcakes

December is birthdays and Christmas. This picture is of a cupcake taken using my iPhone 5 with an Olloclip. Christmas itself was quiet. We went up to Yorkshire but we were all ill at various points.

In most years travelling and work (and travelling with work) make a much more prominent showing, but this year it was all about the little guy. That’s no bad thing.

Better out than in

Today marks “Juniors” nine month “birthday,” so, unless you want to be pedantic and count the exact number of weeks, he’s been “out” for as long as he was in utero.

Stephen and Junior straight after birth

His progress has been well documented elsewhere so I won’t go into detail, but it’s fair to say that it’s been an eventful few months.

It’s been a big learning experience for everyone.

Junior and the teething ring

Amongst other things I’ve learned that some postcards are tastier than others; that the MagSafe connector does not live up to its name in some respects; that more things than you think are within the reach of someone less than a metre tall; that parrots can be green and have squeekers; that boys are drawn to buttons and remote controls; and that most food can be eaten lukewarm if the alternative is small hands swiping it and then smiling at you.

Bath time

I’m sure that there will be a lot more to learn as he starts to walk and grows to the point where even the higher shelves are accessible…

Doesn’t add up

Today the Telegraph had an article claiming that “the top one per cent of British earners are now paying almost 30 per cent of all income tax.” It’s then painted as a bad, unexpected revelation. But I’m not sure that should be the case. In one of my mini-Ben Goldacre moments, I think it’s one of those areas where your intuition and the numbers don’t necessarily align.

This post isn’t about politics or fairness or even, really, taxes. Instead it’s about maths, because what the story fails to say is that you would absolutely expect a small number of high earners to foot most of the bill.

Let’s make some silly assumptions and see how the numbers work out:

  • Everyone pays the same 20% tax rate. We’re ignoring the tax-free component so that should work out to be considerably less than the rich pay but more than almost everyone else
  • We’ll say that 90% of people earn £20000. The national average is higher than that, but there are a lot of people who work part time and pay no income tax at all
  • And we’ll say the last 10% earn £60000. I don’t know how realistic that is as an average, but it’s nearer high-rate tax band cut-over than it is the millions that some CEOs and bankers get and it’s still a long way from the 50p tax rate

How do the numbers work?

The people on the lower income each pay £4000 in tax and the more comfortable pay £12000. But there are nine of the average people for every one of the rich, making the total take £4000 * 9 + £12000 * 1, or £48000.

So the high earner pays £12000 of the complete tax take of £48000, which is 25%.

(If you increase the tax rate on our hypothetical higher earner to 30% he ends up paying a third of all income tax.)

As I say, I don’t want to get into the fairness of it all, but a little maths, some wild assumptions and no research shows that, actually, the rich probably should be paying a reasonable percentage of the total income tax bill.

Going Rental

Apparently the movie studios are placing further restrictions on rentals in order to promote the purchase of shiny disc. Marco Arment says this won’t work because:

If I’m adding a movie to my Netflix queue, I’ve already decided not to buy the DVD. I’m adding it because it looks mildly interesting and I’d like to watch it sometime.

I take the opposite approach. I am unlikely to buy a movie unless I have previously rented it. Why would I buy it if I don’t know whether or not I like it?

I don’t mention this to suggest that Marco is wrong. Quite the opposite. What I’m saying is that I can’t think of any use cases where this strategy would work. Whether you’re not buying it because you don’t want to buy it or not buying it because you don’t know whether you’ll like it, the common thread is that no purchase is involved. The studio would make more money in both these anecdotes if they allowed rentals.

But it’s not really about making money, as bizarre as that might seem. It’s about control.

Movie studios look to the music industry and are trying to learn from their mistakes. Unfortunately they’re taking completely the wrong lessons. Rather than seeing customers buying music instead of taking free copies from P2P networks, they see Apple being in control and able to dictate “unfavourable” terms to them.

To an outsider, “unfavourable” is an odd word as it mainly seems to involve more people paying for more content.

In this battle between the studios, the content providers (Amazon, Apple and NetFlix) and consumers there are no winners. Consumers either miss out on seeing films they want to see or end up making illegal downloads. Amazon, Apple and NetFlix all have to disappoint their customers with seemingly arbitrary additions and removals from their catalogue. And the studios continue to leave money on the table.

Personally I see that as the most “unfavourable” outcome, but what do I know?