Paying tax

Here is a rough transcription of the presentation for people who are hard of hearing. Apologies for the lack of grammar, I am working to improve the automated transcriptions -
warning girls and boys many years ago when I was younger so much younger than today I done the first is a bit of work in the United Kingdom in England and I went to the South of France and did three seasons three summer seasons working down there and life was good but being a sensible sort of person I had to get back to reality so I went back to England to do something sensible and responsible and establish my life somewhere so the thought of working for somebody was I don’t think it really ever entered my head Aga certainly wouldn’t have looked in the wherever one looked at those times to find a job it was never my way so I did something for myself another when many things I could do at that time because I had done much at school hadn’t done much after-school and are my experience in the South of France didn’t really lead me to a great open expanses of wonderfulness but I love painting as in painting in painting and decorating strangely any sort of painting I’ve always loved it but it’s artistic or just on a war skirting board always loved it so I taught myself to hang wallpaper and can’t think what else am painting and decorating is beside hanging wallpaper in painting mainly painting and kind of setup on my own and used my contacts in any contacts I could think of at the golf club in the sailing club to get work and I did that for just over a year I was doing quite well I had anti-of work to do the last couple of jobs I had one person working for me one job to Mo to people working for me with me are in the last job and there was a big contract coming up where I would’ve needed six or seven other people in other chances are I would have got like job because of my arm not what you know how to do but who you know and through summary at the golf club I would certainly got that job but through somebody at the sailing club who was an accountant I sat down with and bought some drinks for and got some free advice on accounting and got to learn all about paying taxes which I haven’t really given too much consideration to up until that point are just the regular paying taxes was going to be bagged enough according to what this chap told me that then told me about TVA which is VAT arm value-added tax which I apparently had to kind of taking for the government and then pay to the government as well and the whole thing quite frankly seemed to me more trouble than it was worth of always been a bit of am a thinker and worker out of things and so it took me probably another month I didn’t go for that contract at all just didn’t put in for it because I was unsure about my future and then thing that made me the most unsure was this paying taxes thing I got the information of just how much is going to be and I did not like it I can remember can remember what I used to often and on a Thursday evening I is together and have Curry and then walk around the park afterwards often a bit harm drunk with alcohol and I’d even when I go through Curry or even in the pub I’d always have a little notebook and not make notes about this than the other and I was working at how much this tax thing was going to cost me I remember one time I worked out that I would be each year working pain my tax or working for the government until May 10 think it was that was my brother’s birthday that’s why can remember it that think it was about May 10 arm the amount of tax I have to pay so that was one way of looking at it and I remember I am on our the other side of the Tony little notebook but on the other side I’d worked out how the years until retirement which was standard age 65 at that time how many years I would be paying to the government in taxes and it was something like one third of my working life so I would have been what then about 20 really your something back 23 to 2365 is 42 are of taxes were working out of my head to be about one third when everything was taken into account to 1/3 42 is three into four 112 for 14 years 14 years of taxes as be about rights I remember thinking it targeted me my next 14 years of working is going to be working for the government what I was working to pay the government my middle 14 years on my last 14 years now it was this last 14 years that kind of clicked something in my head that went this working thing is it’s so wonderful and then I thought to other people at I dreamt within the pub and it was a strange public was carved into different parts the rich people’s parents would you drink one part of one bar and the younger people could go into that bar obviously but generally had another bar and the corner and sometimes went into the other bar and the back thinking of these people happy do they like doing their work when there are smoking their cigars and drinking their whiskeys in the corner and driving home in their jags and thought while I see them when I go with my friends back to their reasonably large houses they drive their Jaguars and range Rovers and all that sort of stuff in there and I have horses in the backing no well-to-do people and I could see that I couldn’t see that they were having an awful lot of fun so what would I definitely grow the best I could grow into if I paid my taxes and everything worked well as I imagined it would which it probably would cause I was a hard-working person that worked things out and I am sure specially with my contacts always very important that I could have made for a flourishing business which would have properly turned into more design at one time because some have got artistic flair in that department so I was thinking well do I really want to work till age 65 and that the choice was to build up a company so reasonably quickly that then I could semi-retire from work and then the workers could work from me which is what most of my friends parents would be living in situation of the dangers but their sheepskin jacket on and drive to work in the morning I had no idea what they did but I didn’t see it being much all I could try and do something where by I could retire earlier I decided that looking at the stages I be going through in England getting to the stage of the sheepskin jacket and the range Rover and letting other people work for me it wasn’t going to be that spectacular because from where I was I would have two work very very hard and be it it’d be hard work I imagined where I’d live where I’d want to live the stages of bigger houses and better vehicles and all that sort of thing wasn’t dreaming so much as merely imagining how it would be because if I did not make it happen arm it would not I would have just made it happen anyway I decided that all things added up that those last 14 years would be better if I didn’t pay the government and I retired early and then I’ve have only 28 years to work but how was this to be managed it was to be managed by going to the south of France being expatriates and working jobs down there where nobody ever pay tax that would give me and knowledge that a I’d be living in and working in a place which was ultimately desirable getting paid lots of money because people wear down there and not paying any taxes on it and all of this added up to what seemed to be a very good idea so I closed everything up and went to the south of France was quite lucky that I got a job very quickly and before I knew it I was established and doing quite well LOADS of middle bits is no need further extra middle bits but what it came to pass to be was that I could talk to you on the inter-web is now as a retired person at age what am I now 58 802 so I must be 54 and I haven’t been officially working for well on while now and it’s all worked out really rather well regrets about not paying taxes it’d be unrealistic of me to sit here and say that I regret these decisions and regrets avoiding paying my share of taxes having my heart operation with the French government paying for it has made me think a lot more about it and home I don’t know how you just can’t go back into the past so you can’t consider your decisions are have considers and future decisions but that doesn’t really come into it but all in all from the decisions I made back aged 23 that I was obviously not what you might call a socially responsible person knows ideas of paying ones are share of the advantages that I was going to accrue from our things at the government or government of the world have done for me and are avoiding paying them as opposed to going out of my way to pay them and makes me what could definitely be described as a socially irresponsible people person and not the sort of person that you would want to vote for in any sort of a social position I am a self are established as cast and must and should live in her an outcast position which makes it a bit tricky because I’m not in an outcast position I am plugged now into the French system and they are willing to pay for me and does really nothing much I can do to recompense all the past taxes that I have avoided paying might consider doing something in the future but the really is nothing much I can do all be said is the bottom line I am a socially irresponsible person not fit for any sort of public office had shipped by

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  • windslice

    Well really!

    You don’t have much to stand on when talking about the Greeks, eh?

    This is quite interesting because we were born in the same year. I went down the corporate path, paid all the taxes to the various countries that I worked in, and avoided the ball and chain of debt, wife and brats. This was much to the chagrin of various aunts and in particular my mother. Who felt I should enhance their lives with my brats.

    It did come with a financial penalty, the old man died off a few years before my mother died, leaving her all that he had worked for (being a typical 50/60′s family she stayed at home dealing with three brats). When she died everything was left to the “brat producing debt-ridden siblings”, which sort of excluded me.

    As I mentioned in a recent post, I’m a saver and as tight-arsed as they come. But I can claim social responsibility in paying my taxes, although I did not have any choice in the matter. And I am personally responsible for any illness or accident, which hopefully my health insurance will take care of, although there are a few limits on how much they will pay.

    Ah well, here’s to a long and interesting retirement hoping that the little wad of cash will pay for the roof and food…. 

    • http://overthepeak.com/wordpress/ Mystic

       That is why I don’t get into moralizing much (glass stones etc.)

      Paying tax …… OK if they insist, but you surely must have kept your money offshore~!?

      Personal health insurance gets very very expensive as you get older ……. can’t you get into the local system (if only for the basics)~?

      • windslice

        Yes, I’ve always been careful in keeping my money away from the claws. Luckily here the authorities don’t care about money kept abroad. All they want to know is that I have enough in a Thai bank for my annual visa.

        Private health insurance through the local BUPA costs EUR 350 each year. This is inpatient only and with an upper limit. As all medicines are available over the counter and reasonably priced, for the odd illness I go to the internet, determine what it is and then go and buy the pills.

        There is always the little doubt that something major might go wrong with the plumbing or the C-thing comes along. But if I worried myself about all the possibilities I’d probably have to see a doctor…..

        • http://overthepeak.com/wordpress/ Mystic

           Yes, the paying tax on interest on earned money is an amazing bit of cheek.  Staying away from that has been a good advantage.

          The BUPA thing looks very cheap.  How much more to cover the big stuff~?

          • windslice

            Tax is an insidious process.

            You pay tax on your income and then pay more tax on your expenditure.

            The health insurance is a very good deal. I hope it lasts. Unfortunately with insurance there is a  group who reckon that it is an investment scheme, and that they should get more out every year than they pay in. They screw it up for all of us, as then premiums increase to massive levels.

            In twelve years I have claimed only once, and then only after two weeks of suffering as an abscess in my foot refused to submit to the self-administered antibiotics. A quick few slashes with a scalpel and intravenous antibiotics sorted it out. Maybe next time I will know what to do?

            I am thinking of bumping up to a higher grade, which will double the premium but increase substantially the total amount covered. The premium goes up a steep curve after the age of 60….

            In Asia medical care can, and often is, very objective. As an example the family of one incurable lady were told that it would cost “x amount” to keep her going for another few months, but it they couldn’t afford that, then she would be allowed to slip away quickly. When “x amount” is more than they have saved and would leave the family with major financial difficulties, the decision is clear. And slip away she did.

            Does the west really need to keep people going on and on?

            Death arrives at everybody’s doorstep. In the East this is accepted. The West, IMO, tries to deny it and live under the idea of immortality and “keep ‘em alive at all costs”.

            I do not want to be kept alive at all costs. What a waste of money.

  • Subtlepath

    Gosh….is this some sort of eleventh hour confession….?  I have to say that I found your personal revelation discouraging, even corrupt, given that you now expect the French to foot the bills for this and probably other medical procedures and probably a pension as well.  I appreciate your candor and I certainly know some folks here in the USA that have managed to get benefited at public expense.  How you square your conscience with this self revelation will be challenging…….the word that keeps coming to my mind is …..selfish!  :-(  Having said that….we all carry a shadow………sigh……..

    • http://overthepeak.com/wordpress/ Mystic

       Yeah, `selfish` is the word that comes to my mind as well.

      But, I don’t lose any sleep over being selfish though~!

  • Maski iz Manastira

    But you still paid VAT and various other surtaxes and fees when buying stuff … so, I kinda think you paid enough during your life for all the  services provided by government. Anyway, what would have the government done with your taxes? Get in more debt?

    • http://overthepeak.com/wordpress/ Mystic

       I have certainly paid more in via VAT/TVA and other taxes than I have so far got out ……. but the way I am falling apart physically, I may soon be into the black. 

      • Maski iz Manastira

        Are you sure? Do some numbers … And maybe calculate how much money it would be if it was in some savings account with low interest. I have a feeling those are big big numbers.
        In my country VAT is 25% ….
        And its not only VAT. There are tones of fees and charges that go to state …

  • Willbick

    didn’t have you down as a golfer lol

  • CSArichardo

    I forgive your sins … but not Mitt Romney’s !!!   

    • http://overthepeak.com/wordpress/ Mystic

       Well said Richardo~!!

  • Nate

    Nick
    I watched your piece with bemusement. I certainly would not admit to something like that in the USA. The Internal Revenue Service would throw me in jail. I hope no French officials hear this. By the way the Irish part of me admires the rebel in you.
    Nate from Dallas

    • http://overthepeak.com/wordpress/ Mystic

       There is nothing to worry about.
      They can only look back 4 years for back-taxes.

  • Asd

    Nick,

    Be careful about what you admit to on the internet.  Everything you just said in this video could be used against you in court.  I recommend you remove this video from your site immediately.

  • Flig_in_Detroit

    I don’t know what to say about this one.  I don’t like giving up a third of my income for taxes either but I think the whole “tax” game is simply played so that people will feel how much is being pulled out of the economy by the government so that they put a check on it.  It would be emotionally much easier on us if we never saw the income to begin but the act of parting with money we have been given causes us to be engaged more as citizens.  I think we all understand that if it weren’t for government and taxes there would be no society and hence no income anyway.   If it weren’t for society, most of us would not be here because somewhere along the line, one or most of our recent ancestors would not have made it-or, if we had been “lucky” enough to be born we might have only made it to half our current age anyway.  I can’t say for sure that it is better to be born than unborn or to live rather than to die.  But….”I” have accepted that life just is and I am doing my best to enjoy the ride for as along as I can.  I enjoy it enough that I have chosen to bring two more lives (replacements for my wife and I) into the World and they seem to have accepted this “gift” or “curse” (depending upon the viewpoint).  “I” “Love” them.  The words are in in quotes because I think we have ascertained in previous lectures that these are simply chemical reactions.  All life is chemical in nature.  The entire universe is chemical or atomic or subatomic in nature and we are not separate from it.  We are simply part of it.  We and all matter are simply swirling eddies of energy in the universe.  We shouldn’t take ourselves any more seriously than that.

  • Guest

    If you are a small business they tax you to death: first on profits, then on staff wages, and when you spend what’s left over that’s taxed too. There are ways around most taxes, some easy, some requiring specialist help, but small businesses may not have the means or inclination to engage in them.

    Morally speaking, anybody who claims we’re duty bound to pay tax is mistaken in my eyes. Sure, when we speak about services such as welfare or healthcare it’s easy to make the case that we should all be contributing, but if you see first hand how the government wastes money on such a grand scale you’d never give them another penny.

    54? You could thriving, not falling apart!
    http://www.youtube.com/watch?v=UhW0ENr6YXA

    • http://overthepeak.com/wordpress/ Mystic

       Life is fundamentally useless.
      This guy keeps himself amused.  It doesn’t cost money and doesn’t bother anyone else.
      All good. 

      • Guest

        Indeed. So much better to have fun and keep oneself amused.

  • Emmazedbend

    Very interesting post, you had a great presence of mind at such a young age. I think the notion of tax can bring out the rebellious in people mainly because governments waste so much of it and also because they don’t plan for the long term so they spend the whole lot in their term of parliament to give the electorate ‘goodies’ – this doesn’t endear me to paying tax.
    I’ve always worked PAYE (pay as you earn) so I had no choice in the matter. Had I had a choice I would have worked enough to pay the least tax possible (for the aforementioned reasons).

    • http://overthepeak.com/wordpress/ Mystic

       At a very early age, I decided that life was very silly.
      It fell into questions of `getting involved` or not ………. I may do a video on it.

      • Emmazedbend

        Yes I would like one of those – look forward to it.

  • Anne Panne

    For me it is the other way around. The taxes never bothered me that much. I was quite happy to chip in. When I was in my late teens I lived a couple of years out on the street, so I recon I thought of it like a membership fee.
    Not even as a farmer, with all of it’s paperwork just to get to pay the taxes, it has bothered me a lot.
    Not until now. MMT, Zarlenga and all that makes me wonder about the whole system.
    But the “chip in” membership bit still hold true.

    • http://overthepeak.com/wordpress/ Mystic

       Yes, maybe `tax` should be sold as more of a `chip in membership` thing; as opposed to the `essential evil` that it appears as now. 

    • Anne Panne

       The wasteful conduct of the government has unlike Emma, not concerned me much.
      I attribute this to the human factor. No private organization I’ve worked for, has been any better.
      The ever growing control regime, however, is a bit worrying. If a private organization becomes too oppressive in this matter, you can just walk away. Difficult to walk away completely from the state.
      Nick! Wouldn’t the lax tax regime of the south of Europe have to go, if the EU shall survive?  At least that’s what they tell us?

      • http://overthepeak.com/wordpress/ Mystic

         In many ways, the Med countries tax regimes are not so different from the northern.

        In the end, I think the northern will end up more like the southern.
        That is, forget the tax and think more `life-style`.  The Med types just haven’t bought in to the commercial world like the northerners…….and I think the commercial world will change before the mind-set of the southerners changes~!

  • axionication1

    Bugger… Didn’t imagine you as an interior decorating poof… thought of you more as a Marmaduke Surfaceblow type character.
    Joking.

    Most people, given the opportunity, would pay less/no tax. Most people, given the need, will grasp for help. All to common. Nothing special. Confessing to it…?…well that’s special.

    Any more of you lot & the world would be in a financial pickle:).

    • http://overthepeak.com/wordpress/ Mystic

       Which would be worse – The world in a financial pickle, or the world with more social misfits in it~?

      • axionication1

        I generally greatly enjoy social misfits!… so it would need to be the pickle thing.

  • Garryentropy

    ego te absolvo a peccatis tuis in nomine Patris, et Filii, + et Spiritus Sancti. Amen.

    • JP

      Bollocks.  Absolution for a man who has committed no crime, save that of the modern crime of intelligence? He needs a good purging of that insidious fiat, central banking, money meme, human usury. All is usury.
      Exorcizamus te, omnis immundus spiritusomnis satanica potestas, omnis incursioinfernalis adversarii, omnis legio,omnis congregatio et secta diabolica.Ergo draco maledicteet omnis legio diabolicaadjuramus te.Cessa decipere humanas creaturas,eisque aeternae Perditionis venenum propinare.Vade, Satana, inventor et magisteromnis fallaciae, hostis humanae salutis.Humiliare sub potenti manu dei,contremisce et effuge, invocato anobis sancto et terribili nomine,quem inferi tremunt.Ab insidiis diaboli, libera nos, Domine.Ut Ecclesiam tuam secura tibi facias libertate servirete rogamus, audi nos.Ut inimicos sanctae Ecclesiae humiliare digneris,te rogamus, audi nosTerribilis Deus de sanctuario suo.Deus Israhel ipse truderit virtutemet fortitudinem plebi Suae.Benedictus deus. Gloria patri.

      • Garryentropy

        A confession deserves an absolution.

  • http://www.belfast-architects.co.uk/ Alan

     Was wondering if attitudes about tax and the services they pay for are coloured by the socio economic group we come from. If those around you are not the right connections, and the old girl next door is trying to live on a state pension after spending her life working Monday to Friday in some poorly paid job do you see the need for safety nets more clearly?

    • axionication1

      Yes, that is very true.

      I have paid considerably more in tax than I have extracted. It does not bother me as long as I frame it ( which I generally do) within the scenario you speak of.

      There are abusers, top to bottom, that is the nature of it I guess. The fact that so much abuse takes place within a perfectly legal framework is what sparks my ire.

      When all is said & done: I am grateful to not have had to use the overwhelming majority of my tax contribution.

      • http://www.belfast-architects.co.uk/ Alan

         Yes agree.

        Many problems with the system, trough feeders all the way through it, centralisation, unnecessary government activity, wars, self promotion, attempts to control, acting for vested interests……………..

        Many people have few options from birth. Family poor, perhaps not academically able, no worthwhile connections, go to bog standard school, surrounded by all sorts of dubious roll models.  A humanitarian streak and self interest suggests that this should not be ignored.

  • axionication1

    Yes, all engineered Legal/Accounting psychopathy. The players are numb to the spell.