Tag Archives: website

Review – ATO’s myTax

Is there such a thing as minus one? -grinds teeth-

In a nutshell, the ATO [Australian Taxation Office] website functioned quite well, and by that I mean the way the computer side of things worked. If you are familiar with the general workings of a complex website, you should be able to follow the logic fairly well. The problems arise from the content, in particular the terminology.

Any teacher will tell you that the single biggest hurdle to learning is new terminology. Not only does the student have to learn new terms specific to the subject matter, they often have to learn new meanings for familiar words and phrases used to describe very unfamiliar concepts.

The best software programs deal with the problem of terminology by having context sensitive lookups. For example, if a question is about ‘Sole Traders’, there will be a little [?] at the end that can be clicked. Clicking that lookup displays a short definition of the term.

Lookups are a great idea…if they’re executed properly, and that’s where assumptions come in. Experts have so much knowledge of their areas that they cannot put themselves in the shoes of someone who knows nothing. So many basic terms do not have lookups because… “It’s obvious, isn’t it?”

Duh no, it isn’t obvious. Not unless you’re a tax accountant.

I’m not a tax accountant. That’s why it took me well over two hours to lodge a couple of years’ worth of returns. The first was relatively easy because I was doing it as a normal person. The second was much harder because I was doing it as a ‘Sole Trader’. Basically, Sole Traders are people who work for themselves with a company name and an ABN [Australian Business Number]. Casual tutors like me often work as Sole Traders.

But all Sole Traders are not equal. Working out what variety of Sole Trader I was involved yet more terms I didn’t understand. I used every lookup, accessed Help, tried the so-called online chat help [basically just an algorithm] and even tried DuckduckGo. Despite all that, however, some of my answers were the better of two bad choices. In other words, pretty much guess work.

Surely there’s a better way?

Yes, there is. It’s called paying for a professional tax accountant.

Decades ago when I could afford the money, I actually had a tax accountant. These days I have to DIY and hope for the best.

I can’t be the only person having issues with the ATO’s myTax software because there is a real live group of volunteers who have been trained to ‘help’ with myTax! Whether they just help with the website side of things or the actual tax side I don’t know. What I do know is that myTax is a major disincentive to retirees thinking of working for themselves.

One exhausted retiree signing off.

Meeks

p.s. While I’m in a venting mood, here’s one for the Guttenberg developers – it’s really annoying when you go back to edit a paragraph and the floating toolbar covers up part of what you’ve written. This seems to happen when the paragraph is at the top of the screen area:


How to save $$ in Victoria [Australia]

This post is for Victorians on a tight budget – i.e. people on Newstart, the Age Pension, Disability Pension or young people working in the GIG economy – and concerns energy bills such as gas and electricity.

The first, critical step to saving on your energy bills is to understand that utility companies bank on us being too busy to go out and actively look for better deals. The new initiative by the Victorian government only means that energy retailers have to inform you of their best deals. But those best deals could still be very expensive when compared to the rest of the marketplace.

To give you an example, I changed my gas supplier about a year and a half ago. At the time, my new gas supplier offered the best deal according to the Victorian government’s own comparison website:

https://compare.energy.vic.gov.au

This morning, when I did a fresh comparison, my existing gas supplier was close to the bottom of the list, and their best deal was over $400 more expensive [per year] than the new ‘best deal’. As a result, I got on the phone [contact details supplied by the government website], made sure the quote was still accurate and…signed up:

When AGL’s best is no longer the best, I’ll move my gas account again.

Gamers would recognize this as ‘churn’. The term refers to how gamers move from one ISP to another to get the best deal. I don’t ‘churn’ often, but since I became an age pensioner, I’ve learned that loyalty simply doesn’t pay. These days I ‘churn’ my gas, electricity and comms suppliers on a regular basis.

So what’s involved in comparing prices?

Once you land on the government’s comparison website, you’ll be asked a series of questions about how you use your gas [or electricity]. It pays to make your answers as accurate as possible so dig out your most recent bill and keep it handy. After you’ve completed all the relevant questions, the website will do some kind of general comparison and present you with a list of the best matches for your circumstances.

Gas pricing is a mess with about five different rates in both the ‘peak’ and ‘off peak’ categories, but don’t let it scare you. One easy thing to compare is the daily supply charge. Essentially this is the amount you pay for the privilege of having a gas connection. In other words, even if you don’t turn the gas on at all, you’ll still be charged that daily supply charge.

All retailers charge you for supply, but the amount varies. AGL’s daily supply charge is 62 cents. Another retailer I looked at [not one of the most expensive ones] was charging 83 cents. Assuming the rates don’t change for 365 days, that’s $226 vs $303 per year [or a saving of $77 per year].

When the cost of living means you have to think twice about buying that latte, a saving of $77 is nothing to be sneezed at. And when you add that small saving to the actual cost of using the energy, the savings really do add up.

So please, bookmark that government comparison website and check it out, at least once a year. Doing your homework and making a change will probably take an hour, all up, but the way I see it, I’ve just earned over $400 for that hour. Not a bad hourly rate, don’t you think?

And finally a word about keeping all your eggs in one basket. Energy retailers that supply both gas and electricity will try to convince you to move both utilities to them. Doing so may be more convenient. It may also be cheaper, sometimes. But…a cheap gas price does not automatically mean the electricity price will be the best available price as well.

Remember, the best price a retailer offers is not necessarily the best price from all retailers. Compare…and save.

cheers

Meeks

 

 

 

 


Still plodding along…

Apologies for being a bit slack with posts this last week. I’ve been very focused on the iVokh model, plus work, plus sorting out my new email client, plus hardware issues, plus life….

Ahem, enough excuses! On the creative side, this is the most recent concept of the iVokh’s second, mostly hidden arm. First the skeleton:

As you can see, it’s very much like the arm of a bat:

One major difference, though, is that the iVokh hand has a ‘real’ thumb. This is what the hand looks like once it has some skin:

It doesn’t look like much, but it’s a lot better than my first attempt:

According to the Offspring, this one looked more like a duck’s foot than a wing…

When I looked at that first attempt without my rose coloured specs, I realised the Offspring was right. Don’t you hate that? lol I won’t bore you with a blow-by-blow of how hard it was to create the illusion of ‘folds’. Moving on.

I mentioned some time ago that I was having email issues. Well, they all stem from the fact that I refused to give up my personal email address. That email dates back to the time when I hand coded my own website, using a graphical interface that looked great, imho, but wasn’t all that user friendly:

Okay, maybe it didn’t look that great, but it was back in 2002 and clicking on one of those images took you to a new page with info specific to that image – i.e. clicking on the guitar took you to ‘music’ while the newspaper took you to ‘news’. -sigh- The website was a failure, but I’m still proud of what I did.

Anyway, in order to have a website back then, you had to have a ‘domain’. Think of a domain as a digital anchor. Once you have one, you can attach it to a web hosting service. The hosting service provides the actual ‘real estate’ on which you build your website. Once you have a website, you can use it to create email addresses. Remember, this was long before Gmail etc.

Now we get to email clients. An email client is a program [app] that sits on your computer and ‘talks’ to the server where your email lives. Outlook is an email client, and so was Opera Mail. I used Opera Mail for years until it stopped being supported. Then I paid, in advance, for one, long year using Microsoft 365 via Outlook….

-cue happy music-

That year is over, and I am now using Fastmail. 😀 Fastmail is web-based, but when I have the energy, I’ll set it up with Thunderbird [the Firefox email client]. The beauty of using Thunderbird is that it will check Fastmail for me and download any new emails…without me having to log in and out all the time! I know that sounds lazy, but I used to check my emails multiple times a day. With 365 I’d only check once a day because of the hassle. I’m really looking forward to using my email properly again.

And finally, my hardware problems have been sorted too, thanks to the Offspring. I’ll be taking one of the Offspring’s old computers into work to use as my demonstration machine which will free up my laptop for one of the students to use [during class]. -dance-

All’s well that ends well, and I hope your week was as productive as mine. 🙂

cheers

Meeks

 

 

 


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