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I was reading an old newspaper (as you do!) yesterday and saw this article about the taxman and our esteemed Chancellor!  Mmm, interesting!!! It also reminded me of how much I battled to file my blessed return on the internet. One would think it would be straightforward…but no, it ain’t.  Have a query….phone this number!!! Right on>  I tried for 4.5 hours at a cost of over £4 and still, all I got was a voice message to say “our advisors are very busy right now, please phone back at another time!!!   Enough said or else I will go purple 🙂

Anyways here is the article…abbreviated.  It was a newspaper article and very long:

“10.12.09 Yesterday, Mr Darling (such a misnomer), put out his plans for our future.  He raised future taxes for anyone earning more than £20,000 to fund schools and hospitals and postponed tough decisions on spending cuts.

The budget deficit runs at more than £170billion with public debt set to double to £1.5 trillion.   Promising to have the budget in an – ‘orderly way’ within 4 years he ducked decisions on where to make most of the cuts.

Frankly when reading the large amounts of money they toss about like so much straw in the wind, it makes me feel quite ill.  And what exactly does he mean by ‘orderly way’?   Why is the budget not in an orderly way now?

Although Mr Darling outlined £5billion of cuts by reducing IT projects, reforming legal aid, privatising prison management (is this a good idea?) and cutting the cost of residential care, he is not specific about the amounts in question for those and leaves big questions about where the rest of the money will come from unanswered.   Perhaps the Politicians ‘claims’ would be a good start.

Of course it comes as no surprise that the budget was a bit of a patsy, considering that May2010 marks an election, with the Conservatives accusing Labour of losing it’s ‘moral authority to govern’ by putting electioneering ahead of fixing the economy.  On the news last night they even mentioned the dreaded ‘T’ word…..some people even went so far as to say that the present government will reduce Britain to a Third World Country!!!

With what the Times calls a ‘bingo budget’, the Conservatives seized upon the point that Labour considered anyone earning over £20,000 as well off, due to the .5% rise in National Insurance from 2011, this on top of the .5% already announced.   Apparently the middle classes (odd that we still have a class system in this country!) have the most reason to squeal as the NI increases will be almost the equivalent of a penny on income tax in 2011.  A penny!!!! Goodness gracious!

In addition to this, more people will be brought into the 40p rate of tax as a result of the one-year freeze in the threshold of 2012.   The Treasury admitted that the 2-year cap on public sector pay rises at 1% was effectively a cut due to inflation rising above 1%.   It would appear the ‘Public Sector’ workers, many of whom are low-paid would have to pay the price for a crash they did nothing to cause, and yet the Bankers are set to receive massive bonuses despite the fact that we the public had to bail them out with our hard earned taxes.   Why is that?

According to ‘The Treasury’ 95% of the NHS budget would remain constant; meaning a £3.7billion rise on 2012-2013.   This would be a good place for them to start if they want to save money.   Have a look at the atrocious waste of medications and equipment that drains through the plughole that is the NHS.   I have personally seen massive amounts of wastage in my career as a Carer.   Many of the homes I visit have 2, sometimes 3 zimmer frames floating around.   When you enquire about this they, the client say that Oh, Yes that was given to me by the NHS, but I dont use it anymore.   So return it for goodness sake.   When you raise the question with the District Nurse or the Occupational Therapists, that are all NHS provided the answer usually comes back as: ‘that is not our department’.   So who is responsible for recovering all this redundant equipment that ends up in the skip in the long term.

And medication!   I have never seen such a massive wastage of anything as there is with medication.   The system dictates that once prescribed, and even if incorrectly prescribed, once the medications have been boxed and handed over the counter, if returned, untouched and unused they are binned.   These medications cost thousands most assuredly it would be incumbent on the medical staff and Doctors to ensure they prescribe the correct meds and dosages in the first place.

Then there is the ‘free’ side of the NHS.   It is not free!   We pay for it out of our taxes.   I am absolutely certain that if they introduced a fair and equitable system of payment for the medical services in this country, not only would that save a massive amount of money, but people would be less careless about how they use it, and with the money saved they would be able to not only pay the Nurses etc a decent salary, but they would be able to train and employ more to take the strain off the very understaffed hospitals.

Millions of pounds are spent on Consultants doing checks on hospitals to see if they achieve the correct guidelines for cleanliness and health, and yet the money and staff needed in order to achieve those targets is not available, before the fact.

Going back to the pre-budget budget, Mr Darling was forced to admit that the recession had been worse than he predicted last year.   The economy would shrink by 4.75% in 2009 compared with his Budget estimate in April of 3.5%.   Apparently public finances were also deeper in the red with a deficit of £178million this year – £3billion more than he had predicted.   So what does he base his predictions on and as the …… most assuredly he should be better able to ‘budget’ and ensure he has the correct figures on the table.  Perhaps he should have the pay-cut that he is fond of handing out to those who do a good job and can ill afford one.

mmmmmm????

What is Personal Development and what does it mean to you?

Personal Development takes many forms and is not necessarily just about attending a course or seminar.  It can be learning to drive a car or raising funds for charity.

How do you know if and when you need Personal Development and why?   What would be the point of engaging in a given course of action?   What would be the steps you need to take?   And why would you even want to start?   When you engage in a given course of ‘Personal Development’, what are the components needed?

Say for example on the 1st of January as one of your New Year’s resolutions you decide to run in a marathon, where do you start.

First of all think about why you want to do the marathon and what is the result you want to achieve.

Are you competing or participating?   Do you see yourself actually completing the course?

Are you doing the marathon to raise funds for charity, and what is your objective?

If you are raising money for charity, is it a cause you feel passionate about and how much would you want to raise?   Will you advertise to raise funds, depend on your friends and family or seek corporate sponsorship?   Will you raise a lump sum or a set a goal per kilometre?

Are you doing the marathon as part of a group or on your own?

Or are you running in the marathon because you think you need to get fit and lose weight?

Are you already fairly fit or are you an ex-couch potato?

Did your Doctor suggest the programme or is this something you just want to do for yourself and why?

Will you have a buddy to keep you motivated?   Who will you buddy with and what is their objective?   Is it someone you know will stay the course?

Identifying your motive, where you are now and your end result will help you to clarify your objectives, and set the parameters of action steps to take.

What date is the marathon?   If it is 6months away and you are really unfit, how much time do you need to invest per day, and how many days per week?

Do you need to give up anything in order to start the programme?

What level of fitness do you have to achieve in order to last the course?

Do you have to make changes to your routine and or home life in order to participate?   What equipment do you need?   Do you have to change your eating habits and give anything up?

Before you start on any programme of Personal Development it helps to identify your reasons, what will motivate you and keep you going, what will you need in order to overcome the challenges that lie ahead?   Do you have the time to participate and what do you have to give up in order to set that time aside?

Lets assume you want to learn to drive a car and get a Driver’s Licence.

Why do you need to learn to drive?   Is it just because you want to, or because you have to?

How will learning to drive make your life different once you have gained your license?

Will you hire a Driving Instructor or arrange for a friend to teach you?

Do you have a deadline for achieving the license?

How will this help the people around you and what are the benefits to you?

In order to achieve any objective as part of a Personal Development plan, it helps to identify your motivations, your desires, your objections, the challenges, your final goal, and how will it affect the people around you?   Are you prepared to make the commitment needed, and most importantly, when times get tough, as they do, what is it that will get you to continue?

As with any course of action, having a solid reason and a plan for doing it will help you to achieve what you set out to do.

quote# “Whatever course you decide upon, there is always someone to tell you that you are wrong. There are always difficulties arising, which tempt you to believe that your critics are right. To map out a course of action and follow it to an end requires courage.’’  Ralph Waldo Emerson – Poet and Essayist

So, you’ve been back to work for just on three weeks now, and already it seems like months.   Do you have the January blues?  If you do, then now is the time to book that DreamTrip. To help you decide which country suits you best, here is a guide to the number of sunny days, the average rainfall and approximately how long it will take to get there – (barring any delays)!!! Happy holidays

Average number of sunny hours in a January day:

Algarve:            6

Tunis:               5

Cyprus:            5

The Gambia:            9

Dubai:              8

Egypt:               8

Sharm El Sheik:  8

Cape Town:            11

Mombasa:            9

Maldives:            8

Mauritius:            8

Phuket: 9

Orlando:            7

Barbados:            9

St. Lucia:            9

Tenerife:            6

Fiji:                   7

Inches of rainfall in January:

Algarve:            2.7

Tunis:               3.1

Cyprus:            3

The Gambia:            0.5

Dubai:              0

Egypt:               0

Sharm El Sheik: 0

Cape Town:            1

Mombasa:            1

Maldives:            3

Mauritius:            10

Phuket: 1

Orlando:            2

Barbados:            3

St. Lucia:            5

Tenerife:            2

Fiji:                   12

Flight times, in hours:

Algarve:            2.5

Tunis:               2.5

Cyprus:            4

The Gambia:            6

Dubai:              7

Egypt:               6

Sharm El Sheik: 6

Cape Town:            11.30

Mombasa:            8.30

Maldives:            10.30

Mauritius:            12

Phuket: 14

Orlando:            9.30

Barbados:            6.30

St. Lucia:            8

Tenerife:            4

Fiji:                   21

Saw this in a magazine the other day: it’s cute, so decided to share it with you:

Cycling burns 555 calories an hour, and pedalling your bike for just 20 miles a week is enough to reduce your risk of heart disease to less than half.

Hup, two, three, four, stomachs in and touch the floor!  According to recent reports, one in 3 of us will be obese by the time of the 2012 Olympics, and that’s not a good place to be.   So it make sense to arm every couch potato with a timely reprint of “Exercises for Gentlemen: 50 Exercises to do with your suit on” First published in 1900, the “practical course in physical culture was designed to keep chaps in tip-top condition, especially those with ‘no inclination to disrobe’.  Anova £6.99

wear your Nike’s

I subscribe to the Daily Insights email and often receive lovely stories which are uplifting and thought provoking.  I receive this last week (am still working through the 400 or so emails I had in my inbox (down to 70 now) hooray!  anyways back to the story; I loved this and wanted to share it with you in case you had not read it yourself. –

DO YOU HAVE YOUR NIKES ON?
by Darcy Keith

When running in the race of life, what kind of shoes is on your feet? Are they high-heeled stilettos, loafers, house slippers, or tennis shoes? While we may be concerned with what is on our feet and how comfortable they are in the situation, if we don’t have the right type of shoes on, we may not succeed.

I mean, a runner doesn’t wear a pair of wrestling shoes if he is running a marathon. He wears the most appropriate running shoe that will go the distance. When you prepare to run, one of the first things you do is stretch to warm your muscles. If not, your body isn’t prepared for what you are about to do.

But what about the race of life? There are many things, which come up for which we may not be prepared. You may be stressed out, suffering, and not know how to handle the situation. But, there is HOPE. Hope that you can overcome whatever you are facing and be victorious.

As my pastor, Randy Gilmore, says, “Hope is confidence in present resources and ultimate good.” The word, Nike, is Greek for ‘victory’ or ‘overcoming’. In the race of life, I want to have my Nikes on. For those of you who have heard one of my motivational presentations and me talk about my “shoe issues”, when I tried out for the girls’ basketball team in eighth grade (I couldn’t find shoes big enough to fit me in the women’s section, so I had to go the men’s shoe area to find a pair), guess what tennis shoes I picked out? A new white pair of Nike hightops with a red swoosh. Though I didn’t know if I would make the team, I had hope in wearing my Nike tennis shoes as I was prepared to do my best.

In the middle of life’s storms where you may feel stretched, stressed out, are suffering, or something else may be going on in your life, Hope lifts our spirits as we go though the storm. God has generously provided a way to carry you through it. Having hope protects our minds, like a helmet.

Hope provides us a way out of our struggle and shields us, like an umbrella. Hope lifts our spirits from the storms in life, which may be dampened. Hope is having your Nikes on when facing your situation, as we are overcomers and victorious. There is power in hope!

Here are three thoughts to keep in mind when running in the race of life:

1. Look for hope in your present resources.
2. Surround yourself with friends and family who support you.
3. Seek guidance and assistance from others who can help you along your journey to reach the finish line.

Be victorious and have your Nikes on!

ABOUT THE AUTHOR

Darcy Keith is a national award-winning professional speaker and author, and is an expert on overcoming challenges. She has presented before various corporations, associations, service organizations, churches, and universities, as well as being featured on various television and radio venues including ABC, CBS, and FOX. Visit her website, www.DarcyKeith.com

p.s. if you want to subscribe to the Daily Insights newsletters etc you can find a link on my website http://www.notjustagranny.com

good things are worth repeating 🙂

Memory was something that you lost with age!

An application was for employment!

A program was a TV show!

A cursor used profanity!

A keyboard was a piano!

A web was a spider’s home!

A virus was the flu!

A CD was a bank account!

A hard drive was a long trip on the road!

A mouse pad was where a mouse lived!

And if you had a 3 1/2 inch floppy…..

….you just hoped nobody found out!

When do you touch someone? Or more importantly when don’t you?  Why do you touch someone and why don’t you?   What is the etiquette of greeting people?   How well do you have to know someone, before you kiss them hello? Do you kiss them on the cheek once? Or twice!

It’s a social minefield.  The truth is that we have become a nation of touchy-feelies, a nation of huggers.   Not that hugging is a bad thing – after all there is nothing wrong with a little human warmth.

How do you remain private when everyone else wants to touch you?

In a society where genuine warmth has been replaced by the pretence of warmth, you protest at your peril.   Wanting to keep your own personal space is increasingly being seen as a bit cold, unfriendly and uptight.

In the past, people didn’t kiss, or openly hug or rub each other’s shoulders.   But it’s all changed.   Men and women greet each other and members of the opposite sex with a physical warmth that would have been unacceptable even, a decade or so ago.   In the past, men shook hands with other men in a formal fashion – then they shook hands with the ladies they were introduced to.

Watch any TV show these days and you will notice a lot of hugging going on between the hosts and the participants.   It has become a common practice to hug on stage when someone wins a prize, arrives for a show and even heterosexual men have now become far less uptight about giving and receiving hugs.

In a way, we’ve all become more Euro-centric in that sense.   People living in countries such as Italy, France and Spain have always kissed each other hello.

In 1959, psychologist Edward T Hall defined personal space as an ’emotionally charged bubble of space which surrounds each individual’ and added that anything closer than 5ft was to close for anyone other than intimate relations.

Current estimations of the accepted distance in the U.S. now ranges from 18ft to 4ft, and endless experts study this subject – it is called the study of proxemics.

….making out a cheque for a fraction of the amount owed and writing ‘PAID IN FULL’ on it?

A popular myth that has long been doing the rounds is the one that says writing out a cheque for a fraction of the amount owed will clear a large debt, provided that it has a note saying ‘paid in full’ attached to it.   This is not true, and will be seen as acting in bad faith, which will just make things worse.

The rumour may have popped up as a result of some creditors being willing to accept a smaller amount than that originally owed – after all, some payment is better than no payment – but this only works when there is an agreement between creditor and debtor.

Prepare yourself for fame.  We’ve all tried to imagine what it would be like to be famous.  Going to the shops in a chauffeur-driven limo, treated like royalty and waited on hand and foot.  These days, being a celebrity is a job in itself – it can happen to almost anyone and some people are truly awful at it.   So don’t be negative about your ambitions to be rich and famous – just make sure that when you get there, you know how to behave and not make a fool of yourself.

When you are famous and you’re walking down the red carpet at a film premier and people are screaming at you for an autograph, you should have your signature practised to perfection. Make it suitable flamboyant and never refuse to give it to someone.   Practise your superstar walk too!

10 Useful steps for your New Year budget:

1)  Think before you spend.

Stick to a realistic budget that includes everything.

2)  Keep a tally of what you spend.

It is very simple to set up a spreadsheet; enter all your purchases and you will soon see where you could cut back on impulse buys

3)  Avoid impulse buys.

Plan your birthday calendar; think ahead of who you wish to buy a gift for and when you find something suitable, buy it then rather than an overspend at the last minute.

4)  Use cash for your small purchases.

Set aside a specific amount each month for those quick buys, saves interest on the credit card.

5)  Find ways to make rather than buy.

Try making your own greeting cards for special occasions.

6)  Generate extra money.

We all have a skill we can use to earn extra cash.

7)  Download free software such as skype.

Many people these days have computers – using skype to skype could save you a fortune on overseas calls.

8)  Save up for special treats.

Pick a coin value e.g. £1 and every time you get one in your change put it into a money box, you’ll be amazed how quickly they add up.

9)  Cut back on transport costs.

Make use of oyster cards or similar; walk if you can, wherever you can.

10)  Put the money you save into an ISA and start saving for next Christmas or that special holiday.

Self Propelled

Self propelled adventures through life; blogging on cycling, touring, micro-adventures, general shenanigans, and environmental news

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