超越加稅1.25%嘅咁簡單
(前言:作為一個國民、一個選民、一個納稅人,對於政府加稅嘅關注,應該係天經地義嘅事。講緊加稅呀,至少我有份比,特別係自己有份選嘅政府,緊係要到清楚點加,點解加,加咗洗响邊,相信呢個係公民責任嘅一部份,至少我係咁覺得。)
尋日响Patreon大概講過下英國政府內部關於加National Insurance 1.25%嘅風,今日首相肥波正式公布詳情,用意同後續影響比尋日傳媒分析嘅更加深遠。1.25%呢個加幅同預料嘅係一樣,但係短期同長期性質就好有分別,等同加多一個稅基超闊嘅稅項,咁就唔只係加NI解決疫情後醫療滯後咁簡單。重點不在乎嗰1.25%,而係面對人口老化嘅退休褔利政策改革。
由明年四月開始,無論傭主同傭員嘅National Insurance都會加1.25%,呢1.25%嘅主要用途,正如之前放風咁講,响2023年前係用黎解決NHS响疫情後積壓嘅個案。重點就係2023年4月之後,呢個1.25%就會變身成為獨立於National Insurance、入息或利得稅嘅「徵費」(levy),可以理解為全新稅項。呢個徵費連在職退休人士、做生意、受雇,理論上返工嘅都要比,覆蓋率可以話僅次於銷售稅(VAT),用黎支付未來需要改革嘅退休福利政策。
咁即係唔只針對疫情對NHS影響嘅支出咁簡單,而係一次過要國民面對人口老化,總有一天要處理嘅退休福利難題,呢個就係今日肥波公布政策之後,全國爭議嘅核心。老實講,1.25%對大部份人黎講話多唔係多,要短期解決疫情製造出黎嘅醫療滯後亦人之常情。但將呢個變成獨立稅項(叫levy(徵費)只係好聽啲),加埋肥波同時宣布嘅Social Care老人護理改革,咁就令好多人質疑得係向勞工階層同年輕納稅人開刀,保障擁有物業嘅老人家財產。
大家都知英國納稅人只要一生中供National Insurance到特定年期,响法定退休年齡之後就有資格每個月攞退休金,不過呢啲退休保障並唔包括需要長期護理費用,例如日間護理或者全日制老人院等等。呢類費用講緊每個星期至少要500至1000鎊或更多,足以燒晒老人家嘅資產。長久以黎,政府只會全數資助資產少過£23000嘅老人家,多過嘅話就要自行負責。因為社會結構嘅關系,英國大部份年老嘅中產最大嘅資產就只係自住間屋,即係所謂嘅Property Rich,萬一老來有長期病患,需要全日護理嘅話,越長命就越燒得多銀紙,賣樓加按嘅為數唔少。
呢個多年黎無乜邊屆政府有膽解決嘅問題,而肥波今日就順便進行改革,將呢類費用置上限£86,000。例如我老咗又病到照顧唔到自己,要住每個月收£4000嘅老人院,我住咗兩年幾之後地方政府就會幫我比到死之止,我最多都係比£86000,唔洗變賣資產。而資產响£20000至£100000之間嘅老人家,政府經審查之後就會按比例資助部份費用。
對於好多有物業嘅老人家黎講,呢個改革無疑係得政黎嘅,不過對於大部份勞動階層或者年輕選民黎講,1.25%「新稅」加埋呢啲改革,就等如全民夾錢保護中產老人家嘅資產(間屋)。同時,肥波亦都違反咗唔加VAT同National Insurance嘅保守黨嘅競選承諾,更令人擔心今日嘅1.25%,未來會成為有加無減嘅變相附加稅。
從宏觀政黨政治去睇,肥波今次「加稅」明顯係財務大臣嘅影響,大家都知肥波一路以黎,特別响疫情期間,都係希望以大政府大消費理念施政,北部嘅leveling up係咁,抗疫期間嘅政策都係一樣,彷彿好似左翼政府一樣。但金融出身嘅財務大臣Rishi Sunak就係堅守保守黨量入為出傳統嘅政治人物,所以一路以黎都有消息話佢多次出手制止肥波亂黎(財相嘅職責本來就係咁)。洗錢?得,收返先洗囉,唔識生錢㗎喎。今次宣布當中都有例子嘅,好似老人護理費用上限,肥波一路都希望係£50,000,但財相就驚地方政府頂唔順堅持至少要£86,000。
最後,都係嗰句,2023年係大選之年,所以真正嘅戲肉唔係呢幾日或者幾個月,而係呢個「徵費」正式獨立嘅2023年。
Patreon一字不改原文:
英國加稅的後續
https://bit.ly/3yMW5uZ
#肥波真係勇者
全國左右翼傳媒部份冷嘲熱諷評論:
《Financial Times》How will reform of social care in England work?
https://on.ft.com/3DVcb9o
《The Telegraph》I'll tell you what's un-Conservative: failing to guarantee the elderly a dignified old age
https://bit.ly/3nbZxgr
《The Guardian》Boris Johnson’s plan to ‘fix the crisis in social care’ is no game changer
https://bit.ly/3DYXSkb
***************************************
📢月頭乞食:文字、時間與心血有價
🥣乞兒兜(月頭課金係最抵):
https://www.patreon.com/goodbyehkhellouk
***************************************
同時也有3部Youtube影片,追蹤數超過2,030的網紅數位時代Official,也在其Youtube影片中提到,公司簡介 DataYoo悠由以資料分析與AI技術為核心,結合作物產地、在地生長數據及市場情報,預測生產端到採購端間整體供應鏈之完整風險控管解決方案,並提供農企業集團、金融業者包含銀行及產險業者,發展不同產業互利共生的資料應用服務解決方案。 The core competence of Data Y...
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- 關於property insurance 在 Hapa Eikaiwa Facebook 的最佳貼文
- 關於property insurance 在 唐家婕 - Jane Tang Facebook 的最佳解答
- 關於property insurance 在 數位時代Official Youtube 的最佳解答
- 關於property insurance 在 宅大大 Youtube 的最讚貼文
- 關於property insurance 在 Chris Quimbo Youtube 的最讚貼文
property insurance 在 Hapa Eikaiwa Facebook 的最佳貼文
=================================
「うなぎのぼり」や「急上昇」の英語
=================================
それまで評価の低かった社員が、あるプロジェクトの成功をきっかけに見る見るうちに昇進して行ったり、会社の売り上げが急に上がったりするなど、ある物事のレベルが急激に増加する様子を日本語では「うなぎのぼり」と表現しますが、英語ではどのように表現するのでしょうか?
--------------------------------------------------
Go through the roof
→ 「非常に高くなる / 限度を超えて上昇する」
--------------------------------------------------
「Through the roof」は直訳で「屋根を突き抜ける」を意味することから、この表現は数値や価格が非常に高い水準まで上がることを表す口語的なフレーズです。期待していた以上に数値が高くなっているニュアンスが含まれ、良い意味でも悪い意味でも使うことができます。基本的にGoと組み合わせて、「Go through the roof」と表現します。
✔「Spike in(急上昇)」も同様の意味。
<例文>
The gas prices have gone through the roof!
(ガソリンの価格が高騰しています。)
The Google stock went through the roof yesterday.
(昨日、グーグルの株価が急上昇しましたね。)
Ever since Obama Care, health insurance has gone through the roof.
(オバマケア以来、健康保険が非常に高くなりました。)
There was a significant spike in sales last month.
(先月は売り上げが急上昇しました。)
〜会話例1〜
A: Are you planning on buying property any time soon?
(不動産を購入する予定はありますか?)
B: The prices are going through the roof right now. I'm just going to sit tight for a while.
(今は価格が非常に高いので、しばらく何もせず様子を見ます。)
〜会話例2〜
A: Did you notice there was a sudden spike in the exchange rate?
(為替レートが急上昇したの気づいた?)
B: Nah. When did that happen?
(いいえ。いつからそうなの?)
~~~~~~~~~~~~~~~~~~~
無料メルマガ『1日1フレーズ!生英語』配信中!
通勤・通学などのちょとした合間を利用して英語が学べるメルマガ『1日1フレーズ!生英語』を平日の毎朝6時に配信中!ただ単にフレーズを紹介しているだけではなく、音声を使った学習プロセスが組み込まれているので、メルマガを読むこと自体が学習方法!
https://hapaeikaiwa.com/mailmagazine/
~~~~~~~~~~~~~~~~~~~
property insurance 在 唐家婕 - Jane Tang Facebook 的最佳解答
Breaking‼️
美東時間1月5日傍晚,川普以國家安全為由,用行政命令方式禁止阿里支付寶、微信支付、QQ錢包在內的8款中國應用程式(App)。
行政命令發佈後45天,禁止任何人與實體與這8款中國應用程式(App)進行交易。
按照日程,美國下任政府將在15天後,1月20日上任。
—
美國商務部長在同一時間發聲明表示,已指示商務部按行政命令執行禁令,「支持川普總統保護美國人民隱私與安全,免於受到中國共產黨的威脅。」
—
▫️8款App:
支付寶(Alipay)、掃描全能王(CamScanner)、QQ錢包(QQ Wallet)、茄子快傳(SHAREit)、騰訊QQ(Tencent QQ)、阿里巴巴旗下海外短視頻應用VMate、微信支付(WeChat Pay)和辦公型App WPS Office。
圖三:美國商務部聲明
圖四:美國國安顧問聲明
—
▫️白宮行政命令全文:
The White House
Office of the Press Secretary
FOR IMMEDIATE RELEASE
January 5, 2021
EXECUTIVE ORDER
- - - - - - -
ADDRESSING THE THREAT POSED BY APPLICATIONS AND OTHER SOFTWARE DEVELOPED OR CONTROLLED BY CHINESE COMPANIES
By the authority vested in me as President by the Constitution and the laws of the United States of America, including the International Emergency Economic Powers Act (50 U.S.C. 1701 et seq.) (IEEPA), the National Emergencies Act (50 U.S.C. 1601 et seq.), and section 301 of title 3, United States Code,
I, DONALD J. TRUMP, President of the United States of America, find that additional steps must be taken to deal with the national emergency with respect to the information and communications technology and services supply chain declared in Executive Order 13873 of May 15, 2019 (Securing the Information and Communications Technology and Services Supply Chain). Specifically, the pace and pervasiveness of the spread in the United States of certain connected mobile and desktop applications and other software developed or controlled by persons in the People's Republic of China, to include Hong Kong and Macau (China), continue to threaten the national security, foreign policy, and economy of the United States. At this time, action must be taken to address the threat posed by these Chinese connected software applications.
By accessing personal electronic devices such as smartphones, tablets, and computers, Chinese connected software applications can access and capture vast swaths of information from users, including sensitive personally identifiable information and private information. This data collection threatens to provide the Government of the People's Republic of China (PRC) and the Chinese Communist Party (CCP) with access to Americans' personal and proprietary information -- which would permit China to track the locations of Federal employees and contractors, and build dossiers of personal information.
The continuing activity of the PRC and the CCP to steal or otherwise obtain United States persons' data makes clear that there is an intent to use bulk data collection to advance China's economic and national security agenda. For example, the 2014 cyber intrusions of the Office of Personnel Management of security clearance records of more than 21 million people were orchestrated by Chinese agents. In 2015, a Chinese hacking group breached the United States health insurance company Anthem, affecting more than 78 million Americans. And the Department of Justice indicted members of the Chinese military for the 2017 Equifax cyber intrusion that compromised the personal information of almost half of all Americans.
In light of these risks, many executive departments and agencies (agencies) have prohibited the use of Chinese connected software applications and other dangerous software on Federal Government computers and mobile phones. These prohibitions, however, are not enough given the nature of the threat from Chinese connected software applications. In fact, the Government of India has banned the use of more than 200 Chinese connected software applications throughout the country; in a statement, India's Ministry of Electronics and Information Technology asserted that the applications were "stealing and surreptitiously transmitting users' data in an unauthorized manner to servers which have locations outside India."
The United States has assessed that a number of Chinese connected software applications automatically capture vast swaths of information from millions of users in the United States, including sensitive personally identifiable information and private information, which would allow the PRC and CCP access to Americans' personal and proprietary information.
The United States must take aggressive action against those who develop or control Chinese connected software applications to protect our national security.
Accordingly, I hereby order:
Section 1. (a) The following actions shall be prohibited beginning 45 days after the date of this order, to the extent permitted under applicable law: any transaction by any person, or with respect to any property, subject to the jurisdiction of the United States, with persons that develop or control the following Chinese connected software applications, or with their subsidiaries, as those transactions and persons are identified by the Secretary of Commerce (Secretary) under subsection (e) of this section: Alipay, CamScanner, QQ Wallet, SHAREit, Tencent QQ, VMate, WeChat Pay, and WPS Office.
(b) The Secretary is directed to continue to evaluate Chinese connected software applications that may pose an unacceptable risk to the national security, foreign policy, or economy of the United States, and to take appropriate action in accordance with Executive Order 13873.
(c) Not later than 45 days after the date of this order, the Secretary, in consultation with the Attorney General and the Director of National Intelligence, shall provide a report to the Assistant to the President for National Security Affairs with recommendations to prevent the sale or transfer of United States user data to, or access of such data by, foreign adversaries, including through the establishment of regulations and policies to identify, control, and license the export of such data.
(d) The prohibitions in subsection (a) of this section apply except to the extent provided by statutes, or in regulations, orders, directives, or licenses that may be issued pursuant to this order, and notwithstanding any contract entered into or any license or permit granted before the date of this order.
(e) Not earlier than 45 days after the date of this order, the Secretary shall identify the transactions and persons that develop or control the Chinese connected software applications subject to subsection (a) of this section.
Sec. 2. (a) Any transaction by a United States person or within the United States that evades or avoids, has the purpose of evading or avoiding, causes a violation of, or attempts to violate the prohibition set forth in this order is prohibited.
(b) Any conspiracy formed to violate any of the prohibitions set forth in this order is prohibited.
Sec. 3. For the purposes of this order:
(a) the term "connected software application" means software, a software program, or group of software programs, designed to be used by an end user on an end-point computing device and designed to collect, process, or transmit data via the Internet as an integral part of its functionality.
(b) the term "entity" means a government or instrumentality of such government, partnership, association, trust, joint venture, corporation, group, subgroup, or other organization, including an international organization;
(c) the term "person" means an individual or entity;
(d) the term "personally identifiable information" (PII) is information that, when used alone or with other relevant data, can identify an individual. PII may contain direct identifiers (e.g., passport information) that can identify a person uniquely, or quasi-identifiers (e.g., race) that can be combined with other quasi-identifiers (e.g., date of birth) to successfully recognize an individual.
(e) the term "United States person" means any United States citizen, permanent resident alien, entity organized under the laws of the United States or any jurisdiction within the United States (including foreign branches), or any person in the United States.
Sec. 4. (a) The Secretary, in consultation with the Secretary of the Treasury and the Attorney General, is hereby authorized to take such actions, including adopting rules and regulations, and to employ all powers granted to me by IEEPA, as may be necessary to implement this order. All agencies shall take all appropriate measures within their authority to implement this order.
(b) The heads of agencies shall provide, in their discretion and to the extent permitted by law, such resources, information, and assistance to the Department of Commerce as required to implement this order, including the assignment of staff to the Department of Commerce to perform the duties described in this order.
Sec. 5. Severability. If any provision of this order, or the application of any provision to any person or circumstance, is held to be invalid, the remainder of this order and the application of its other provisions to any other persons or circumstances shall not be affected thereby.
Sec. 6. General Provisions. (a) Nothing in this order shall be construed to impair or otherwise affect:
(i) the authority granted by law to an executive department, agency, or the head thereof; or
(ii) the functions of the Director of the Office of Management and Budget relating to budgetary, administrative, or legislative proposals.
(b) This order shall be implemented consistent with applicable law and subject to the availability of appropriations.
(c) This order is not intended to, and does not, create any right or benefit, substantive or procedural, enforceable at law or in equity by any party against the United States, its departments, agencies, or entities, its officers, employees, or agents, or any other person.
DONALD J. TRUMP
THE WHITE HOUSE,
January 5, 2021.
property insurance 在 數位時代Official Youtube 的最佳解答
公司簡介
DataYoo悠由以資料分析與AI技術為核心,結合作物產地、在地生長數據及市場情報,預測生產端到採購端間整體供應鏈之完整風險控管解決方案,並提供農企業集團、金融業者包含銀行及產險業者,發展不同產業互利共生的資料應用服務解決方案。
The core competence of Data Yoo is data analysis and AI technology. By integrating the farm of production, local growing data and market information into the analysis, we are equipped with sufficient knowledge that enables us to predict the comprehensive risk management solution for the whole supply chain, ranging from the production aspect to retailing aspect. Furthermore, we provide “Data Application Service Solution” that facilitates the development of the mutually beneficial symbiosis in different industries to agricultural enterprise groups and financial companies, including banks and property insurance companies.
公司網站
https://datayoo.com.tw/
![post-title](https://i.ytimg.com/vi/25kedvB7F24/hqdefault.jpg)
property insurance 在 宅大大 Youtube 的最讚貼文
宅大大分享會???
日期:11月28號(星期六)
時間:早上11點-3點
地點:九龍區某大酒店
費用:每位$300
有興趣參加者,可先找宅管家留位
宅管家微信號:zdd_8686
名額有限,額滿即止
*本視頻設有繁體中文/簡體中文字幕功能
操作提示:在右上角按CC鍵,再㨂選所需字幕便可觀看。
相關連結:
~稅收計算器,只要輸入收入狀況資料,就能大概估算出每年繳稅額: https://www.gov.uk/estimate-income-tax
~國民保險:
https://www.gov.uk/national-insurance
~查市政稅:
http://cti.voa.gov.uk/cti/inits.asp
~行車稅資料:
https://www.gov.uk/vehicle-tax-rate-tables
~印花稅資料:
https://www.gov.uk/stamp-duty-land-tax/residential-property-rates
~印花稅計算器:
https://www.tax.service.gov.uk/calculate-stamp-duty-land-tax/#/intro
~儲蓄稅:
https://www.gov.uk/apply-tax-free-interest-on-savings
~股息稅:
https://www.gov.uk/stamp-duty-land-tax/residential-property-rates
~離岸信託:
https://www.pruadviser.co.uk/knowledge-literature/knowledge-library/excluded-property-trusts/#relatedcontent
~英國稅後收入計算器:
https://www.thesalarycalculator.co.uk/salary.php#modal-close
![post-title](https://i.ytimg.com/vi/GCL8Hkp2G1I/hqdefault.jpg)
property insurance 在 Chris Quimbo Youtube 的最讚貼文
How Much Money I Spend as a Homeowner
Hello everyone. I bring you this video and I broke down all my expenses as a homeowner in New Zealand; how much money I spend on the mortgage, rates, insurance, and accountant. I hope this video gives you an insight on what it's like to be a homeowner and investor here in New Zealand. See you next week!
▶︎SUBSCRIBE!
http://bit.ly/2bZX2J4
▶︎CHECK OUT MY TRAVEL PHOTOS ON INSTAGRAM: @chrisquimbo
please help me get to 20k!
My Youtube gear:
Iphone 8plus
Velbon Tripod
Canon G7X Mark 2
Post production:
Mac Air (Final Cut Pro)
If you want to create content, I say do it. Do it now, do it today. It doesn’t have to be for anyone, do it for yourself.
Music:
Music by MYSM - Look At Those Clouds - https://thmatc.co/?l=A194C484
![post-title](https://i.ytimg.com/vi/4aK8VnAdflo/hqdefault.jpg)
property insurance 在 Property insurance - Wikipedia 的相關結果
Property insurance provides protection against most risks to property, such as fire, theft and some weather damage. This includes specialized forms of ... ... <看更多>
property insurance 在 Types Of Property Insurance For Your Home | GEICO 的相關結果
Property insurance is a type of insurance policy that can provide coverage for property owners or renters. Examples of property insurance include homeowners ... ... <看更多>
property insurance 在 Property Insurance Definition - Investopedia 的相關結果
Property insurance provides financial reimbursement to the owner or renter of a structure and its contents in case there is damage or theft—and to a person ... ... <看更多>