Categories
Career Finance

How much Tax do we pay in the UK

I thought I’d do a bit of a high-level Tax review for a UK PAYE employee like myself. I live in Scotland so this is scoped this end of town.

Here is an example of a table of income tax, National Insurance, and VAT for a PAYE employee in Scotland:

Taxable IncomeTax RateNational InsuranceVAT (Spending)Total Tax
Up to £12,5000%12%20%32%
£12,501 – £14,58519%12%20%51%
£14,586 – £25,15820%12%20%52%
£25,159 – £43,43021%12%20%53%
£43,431 – £150,00041%12%20%73%
£150,001 and over46%12%20%78%

In this example, the table shows the different tax rates and the corresponding tax due for different ranges of taxable income, including National Insurance and VAT on spending. Keep in mind that this is just an example, and the actual tax rates and amounts may vary depending on your specific circumstances.

England Tax Compared to Scotland

This example is of income tax, National Insurance, and VAT for a PAYE employee in England:

Taxable IncomeTax RateNational InsuranceVAT on SpendingTotal Tax
Up to £12,5700%12%20%32%
£12,571 – £50,27020%12%20%52%
£50,271 – £150,00040%12%20%72%
£150,001 and over45%12%20%77%

UK VAT Rules

In the United Kingdom, VAT (Value Added Tax) is a tax that is applied to most goods and services that are purchased and sold within the country. The standard VAT rate in the UK is 20%, although some goods and services are subject to reduced or zero-rated VAT.

Goods and services that are subject to the standard VAT rate include:

  • Most goods and services sold by businesses, including goods imported from other countries
  • Most goods and services purchased by consumers, including those purchased online or by mail order

Goods and services that are subject to reduced or zero-rated VAT include:

  • Some essential goods and services, such as food and children’s clothing
  • Some exported goods and services, including those sold to customers in other EU countries or to customers outside the EU
  • Some services provided by charities, including fundraising events and educational services

It is important to note that the VAT rules and rates can change over time, so it is best to consult with a tax professional or refer to the relevant tax laws and regulations to determine the correct VAT rate for specific goods or services.

Income & Inheritance Taxes

In addition to income tax, National Insurance, and VAT, there are several other taxes that are applicable in the United Kingdom. Some of these taxes include:

  • Corporation tax: This tax is applied to the profits of businesses and corporations operating in the UK. The corporation tax rate is 19% for most businesses, although some businesses may be eligible for a lower rate.
  • Capital gains tax: This tax is applied to the profit or gain that is realized when an individual or business sells an asset, such as a property or investment, for more than the purchase price. The capital gains tax rate varies depending on the individual’s income tax bracket and the type of asset being sold.
  • Inheritance tax: This tax is applied to the value of an individual’s estate when they pass away. The inheritance tax rate is 40% for estates valued at more than £325,000, although some exemptions and reliefs may apply.
  • Stamp duty: This tax is applied to certain types of property transactions, such as the purchase of a property or the transfer of land or property. The stamp duty rate varies depending on the value of the property and the type of transaction.

Keep in mind, some of the above info is about to undergo changes.

UK Council Tax

Council tax is a tax that is applied to households in the United Kingdom. The tax is used to fund local government services, such as waste collection, road maintenance, and police and fire services. The council tax rate varies depending on the value of the property and the location of the property.

Each property is assigned to a council tax band, ranging from A to H, with A being the lowest band and H being the highest. The council tax rate for each band is set by the local council, and the rate is typically based on the value of the property relative to other properties in the area. The council tax is typically paid by the property owner, although tenants may be required to pay a portion of the tax if they are renting from a landlord.

Categories
Random

OpenAI ChatGPT Benifits

I am slowly gaining a series of various AI-related blog posts. This time I’m blogging about the newly released OpenAI ChatGPT web app, which was released in the last weeks (November 2022).

ChatGPT is an AI chatbot that you can ask it anything, and it’ll output mostly correct answers with very detailed info (if you ask it to). It will ask you for more context/info and reiterate to generate a more informed response.

This AI is super intelligent, compared to current competitors. There’s a lot of hype. But, instead of all my descriptions on it, I’m going to ask Open ChatGPT to write a blog post on the benefits of using it. The output of that is below my bit.

The AI Art feature image for this post was created on NightCafe Studio using the DALL·E 2 model, using the “robot typing on a keyboard, colourful“. I have more, better images which I want to upload more of in future.


Benefits of ChatGPT by ChatGPT

OpenAI ChatGPT is a state-of-the-art natural language processing (NLP) model that can generate human-like responses to text input. It was developed by OpenAI, a leading artificial intelligence research institute, and has the ability to understand and generate a wide range of human languages, including English, Spanish, French, and Chinese.

There are several benefits to using OpenAI ChatGPT in a variety of applications, including:

  1. Improved conversation modeling: OpenAI ChatGPT has the ability to understand the context of a conversation and generate appropriate responses, making it a valuable tool for creating chatbots and other conversational AI applications.
  2. Enhanced language understanding: OpenAI ChatGPT is trained on a large amount of text data, which allows it to understand and generate a wide range of human languages and dialects. This can be useful for applications that require language translation or natural language processing.
  3. Increased efficiency: Because OpenAI ChatGPT can generate responses quickly and accurately, it can help improve the efficiency of processes that rely on natural language processing, such as customer service or data analysis.
  4. Reduced costs: Using OpenAI ChatGPT can reduce the need for human labor in certain applications, which can save money and resources.

Overall, OpenAI ChatGPT is a powerful natural language processing tool that can improve the accuracy and efficiency of a wide range of applications. Whether you’re building a chatbot, developing a language translation system, or conducting data analysis, OpenAI ChatGPT can be a valuable resource.

Categories
Random

Artificial Intelligence Lettuce

It’s here, the post everyone has been waiting for. It’s Lettuce Art, by Artificial Intelligence. Assisted by Peter Whyte (Human).

This is really just another one of my random posts, but this can also introduce my AI Art Gallary area on my portfolio site here.

The AI Art generated below is created using Nightcafe AI Art Studio. To create an image we consume credits. You get 5 free credits per day and you will be rewarded with credits for using their platform – for example, publishing your own art & liking, following, or commenting on other people’s work.

Hope you enjoy this Lettuce content!

# Standard Lettuce Art
# Anime Lettuce Art
# Lettuce People

Standard Lettuce Art

AI Art, please create “Lettuce on a Table”. Seconds later, I have 4 images available. Some outputs can be very random/odd. It takes time to understand the best keywords and parameters.

At least the lettuce is in a bowl and more presentable in the first image.

Hmmm, delicious. Here are some large lettuce balls…

Anime Lettuce Art

AI Anime Art images generated by AI can be very crisp and clean. I’m really enjoying creating images with this theme template, although I don’t actually watch or know many anime shows.

I have an Anime Art Gallary Post for Dragon Ball art if you want to see more.

Lettuce People

Have you ever wondered what Lettuce-man would look like? Well here are some images created by AI, entering “Lettuce man” as the keyword for Portraits.

The last one really did not disappoint – love it! He’s the guy, his name is Lettuce-man.

Categories
AI Art

AI Art Gallary – Neon Sports Cars

Welcome to my AI Art Gallary. The theme of this post is my artistic Sports Car creations, maybe some of them will even be good for printing a canvas for hanging up in a room.

I do particularly like very colourful art. Neon-themed AI Art is turning out great and I’m exploring more in this area, by way of trying new keyword combinations when clicking to create the AI Art image.

Artistic Car-Themed Art

As ever, here are my creations based on the theme of this post (Cars/Underground).

Categories
Website Traffic Updates

Website Updates #2 – September 2022

This is my second post for Web Traffic Updates, which I’m using to track the progress of some of my ongoing website projects.

My current projects for this case study include:
# Site 1: Personal Blog
# Site 2: Personal Database & Software Blog
# Site 3: Independent Software & Tech Blog
# Site 4: Website Management & Digital Marketing
# Site 5: Affiliate Shop & Product Website
# Site 6: Video Content Website

Highlights (positive & negative) this month are:
– Site 2: Overall Traffic Increased by 10%
– Site 3: Got first 11 Clicks from Google
– Site 5 & 6: Gained their first Google Search Impressions

Screenshots provided on traffic within this blog post are for the full month of September 2022. The next web traffic blog post will be published during the first week of November 2022.

Geo Map Web Traffic

Site #1 – Personal Blog

The website you are looking at now.

There is no aim to monetise my portfolio site here. It’s a personal space to post whatever is on my mind, and the content that doesn’t fit anywhere else.

Content
Active Since: January 2022
Post Count: 11 (+3)
Page Count: 8 (+0)

Traffic
Pageviews: 272 (+150)
Users: 13 (+0)
Avg. Time on Page: 00:03:46 (+00:01:15)
Google Impressions: 42 (+4)
Google Clicks: 2 (-1)

Site 1 Web Traffic September 2022
Site 1 Google Search Impressions September 2022

50% of this ^ traffic is likely my own.


Site #2 – Personal Tech DBA Blog

My personal tech blog, peter-whyte.com
Technical guides and posts containing information on software including SQL Server, PowerShell, Windows Subsystem for Linux (WSL) & more.

Content
Active Since: October 2018
Post Count: 154 (+16)
Page Count: 19 (+0)

Traffic
Pageviews: 21,032 (+2,160)
Users: 7,853 (+1,005)
Avg. Time on Page: 00:00:34 (-00:00:07)
Google Impressions: 227,000 (-10,000)
Google Clicks: 5,140 (-410)

Site 2 Web Traffic September 2022

I gained a good amount of users and views this month. This was from a marginal increase in traffic from Bing, as I lost a bit from Google.

Site 2 Google Search Impressions September 2022

Site #3 – Independent Software & Tech Blog

Site 3 is an independent technical writing space focusing on Database & Windows engineering – more or less the same content as my personal DBA blog.

Content
Active Since: May 2022
Post Count: 16 (+5)
Page Count: 3 (+0)

Traffic
Pageviews: 142 (+102)
Users: 24 (+10)
Avg. Time on Page: 00:01:27 (+00:01:07)
Google Impressions: 600 (+557)
Google Clicks: 11 (+11)

Site 3 Web Traffic September 2022
Site 3 Google Search Impressions September 2022

Site #4 – Web Management & Digital Marketing

A website focused on offering website creation & management, and also general online marketing services.

Content
Active Since: February 2022
Post Count: 4 (+0)
Page Count: 8 (+0)

Traffic
Pageviews: 84 (+52)
Users: 35 (+25)
Avg. Time on Page: 00:00:32 (+00:00:21)
Google Impressions: 16 (+15)
Google Clicks: 0 (+0)

Site 4 Web Traffic September 2022
Site 4 Google Search Impressions September 2022

Site #5 – Affiliate Shop & Product Website

An Amazon affiliate shop with blog posts for product reviews & recommendations.

Content
Active Since: September 2022
Post Count: 4
Page Count: 6

Traffic
Pageviews: 344
Users: 15
Avg. Time on Page: 00:03:54
Google Impressions: 3
Google Clicks: 0

Site 5 Web Traffic September 2022

As ever, most of the above traffic is likely my own seeing as the website is so new. We have our first 3 Google Search impressions below.

Site 5 Google Search Impressions September 2022

Site #6 – Video Content Website

A video content website – essentially a place for me to categorise and post random videos anonymously on a site. I generate AI Art for each blog post featured image, trying my best to get the image to look as relevant as possible. This is my fun site.

Content
Active Since: September 2022
Post Count: 29
Page Count: 5

Traffic
Pageviews: 128
Users: 10
Avg. Time on Page: 00:04:20
Google Impressions: 37
Google Clicks: 0

Site 6 Web Traffic Update September 2022

The above traffic is mostly my own. The good thing here is seeing Google Search impressions so quickly.

Site 6 Google Search Impressions September 2022

Categories
AI Art

AI Art Gallary – Dragon Ball

Welcome to my AI Art Gallary. The theme of this post is Dragon Ball (DBZ) Art.

I’ve always loved the Dragon Ball series and have been testing various combinations in the AI. There are a few things I notice the AI does not recognise (yet). In this case with the Dragon Ball theme, it does not know who Piccolo is!

Dragon Ball Z Anime AI Art

Here’s my Dragon Ball themed AI Art, which is subject to change as I create new images and find new favourites.

Categories
AI Art

AI Art Gallary – First Exhibition

My AI Art Portfolio. I’ve been enjoying generating AI Art on a few websites, which I’ll share more details about in time.

Maybe consider this my original art exhibition of AI Art here 😉

The text used to generate each AI image is contained within the URL when you click one of the images below.

Categories
Website Traffic Updates

Website Updates #1 – August 2022

This is the start of a new blog Category (Web Traffic Updates) which I’ll be using to track the progress of some of my ongoing website projects.

My current projects for this case study include:
# Site 1: Personal Blog
# Site 2: Personal Database & Software Blog
# Site 3: Independent Software & Tech Blog
# Site 4: Website Management & Digital Marketing
# Site 5: Affiliate Shop & Product Website (New)
# Site 6: Video Content Website (New)

I created 2 new websites recently as marked above. There is not much information to share on those yet.

All screenshots provided in this post are for the full month of August 2022, and my next post to share updates in this space will be during the first week of September 2022.

Site #1 – Personal Blog

The website you are looking at now.

There is no aim to monetise my portfolio site here. It’s a personal space to post whatever is on my mind, and the content that doesn’t fit anywhere else.

Content
Active Since: January 2022
Post Count: 10
Page Count: 8

Traffic
Pageviews: 122
Users: 13
Avg. Time on Page: 00:02:29
Google Impressions: 46
Google Clicks: 3

Site 1 August 2022 Web Traffic
Site 1 Google Search Impressions

50% of this ^ traffic is likely my own.


Site #2 – Personal Tech DBA Blog

My personal tech blog, peter-whyte.com
Technical guides and posts containing information on software including SQL Server, PowerShell, Windows Subsystem for Linux (WSL) & more.

Content
Active Since: October 2018
Post Count: 138
Page Count: 19

Traffic
Pageviews: 18,872
Users: 6,848
Avg. Time on Page: 00:00:41
Google Impressions: 237,000
Google Clicks: 5,530

Site 2 August 2022 Web Traffic
Site 2 Google Search Impressions

Site #3 – Independent Software & Tech Blog

Site 3 is an independent technical writing space focusing on Database & Windows engineering – more or less the same content as my personal DBA blog.

Content
Active Since: May 2022
Post Count: 11
Page Count: 3

Traffic
Pageviews: 40
Users: 14
Avg. Time on Page: 00:00:20
Google Impressions: 43
Google Clicks: 0

Site 3 August 2022 Web Traffic
Site 3 Google Search Impressions

Site #4 – Web Management & Digital Marketing

A website focused on offering website creation & management, and also general online marketing services.

Content
Active Since: February 2022
Post Count: 4
Page Count: 8

Traffic
Pageviews: 32
Users: 10
Avg. Time on Page: 00:00:11
Google Impressions: 1
Google Clicks: 0


Site #5 – Affiliate Shop & Product Website (New Site)

Building…

An Amazon affiliate shop with blog posts for product reviews & recommendations.


Site #6 – Video Content Website (New Site)

Building…


Categories
Random

5 Benefits of AI Content Writing, by AI

The following is generated purely by an AI Content Generator – all I’ve done here was input some parameters and format this post. Also, in the name of the theme, the feature image for this post is AI-Generated Art inserting “Artificial Intelligence Art” as the keyword.

AI Art by AI

As strange as it may sound, AI content writing is becoming more and more popular. And there are good reasons for that. Here are 5 benefits of using AI to write your content:

  1. AI Content Writing Can Help You Save Time
  2. AI Content Writing Can Improve The Quality of Your Writing.
  3. AI Content Writing Can Help You Stay on Topic.
  4. AI Content Writing Can Help You Target Your Audience.
  5. AI Content Writing Can Help You with SEO.

Artificial intelligence (AI) is revolutionising the way we write, from predictive text to creating entire novels. In this blog post, we’ll explore five benefits of using AI for content writing.

1. AI Content Writing Can Help You Save Time

If you’re like most people, you probably don’t have a lot of extra time on your hands. You’re probably always looking for ways to save time, whether it’s by using a time-saving tool or by outsourcing a task to someone else.

One way you can save time is by using AI content writing tools. These tools can help you create content faster and more efficiently, freeing up your time to focus on other tasks.

If you’re interested in saving time with content writing, then you should definitely consider using AI content writing tools. They can help you create better content in less time, so you can focus on other areas of your business.

2. AI Content Writing Can Improve The Quality of Your Writing

In recent years, there has been a growing trend of businesses using AI content writing tools to improve the quality of their writing. These tools use artificial intelligence to help write and edit content, and they can be used for a variety of purposes, from blog posts to website copy to even marketing materials.

AI content writing tools can be a valuable asset for businesses, as they can help improve the quality of your writing while also saving you time and money. If you’re considering using AI content writing tools for your business, here are a few things to keep in mind.

First, it’s important to find a tool that fits your needs. There are a variety of AI content writing tools on the market, so it’s important to find one that meets your specific needs.

Second, AI content writing tools can help you save time and money.

3. AI Content Writing Can Help You Stay on Topic

If you’ve ever struggled to stay on topic while writing, you may be interested in learning about AI content writing. AI content writing is a type of software that can help you to stay on topic by automatically suggesting related topics and ideas based on what you’re writing about.

AI content writing can be a valuable tool for anyone who wants to write more effectively. It can help you to overcome writer’s block, generate new ideas, and stay on topic. If you’re struggling to stay on topic while writing, AI content writing may be just what you need to improve your writing.

4. AI Content Writing Can Help You Target Your Audience

If you’re looking for a way to improve your content marketing strategy, you may want to consider using AI content writing. AI content writing is a form of content writing that uses artificial intelligence to help you target your audience. By using AI content writing, you can create content that is more personalized and relevant to your audience. This can help you improve your conversion rates and reach a wider audience.

If you’re not sure how to get started with AI content writing, don’t worry. There are plenty of resources available to help you. You can find AI content writing software that will do the hard work for you. Or, you can hire a content writer who specializes in AI content writing. Either way, you can get the help you need to create great content that will reach your target audience.

5. AI Content Writing Can Help You With SEO

If you’re looking for help with your website’s SEO, you may want to consider using AI content writing. AI content writing is a form of content writing that uses artificial intelligence to help you write better content for your website. This can be a great way to improve your SEO, as AI content writing can help you to create content that is more relevant to your keywords and that is more likely to rank higher in search engine results pages.

AI content writing is still in its early stages, but it is already being used by some of the biggest names in the content writing world. If you’re looking for a way to improve your website’s SEO, AI content writing may be worth considering.

Conclusion

In conclusion, the benefits of AI content writing are many. The technology can help you save time, and money and improve your content quality. With AI, you can also scale your content production to meet the demands of your audience.

Categories
Gaming

Virtual Reality, First Opinions 2022

One day last year, during the time that will go down in history… the time when we were all to be staying in our homes to avoid a virus, I got bored and decided to order an Oculus Quest 2, which is a Virtual Reality Headset for those who don’t know.

It allows you to enter the ‘Metaverse’, which is essentially the place that exists inside the headset. Your lobby, and anywhere you go, any game you play is the VR Metaverse… as far as I understand anyway.

It’s supposedly going to become second nature / second life. Maybe when it is a true second world to us, it won’t require such a heavy headset. Also, it will have actual social areas where you can learn and meet people with similar interests. The graphics could be a bit better too in all areas.

Initial negative thoughts aside, I do believe the future is Virtual and Augmented Reality. But we’re in the building phase. Facebook/Metaverse have a point to prove now, so it’s on… There are some amazing games coming which will help drive VR adoption, 100% – titles including GTA San Andreas, Ghostbusters, The Walking Dead, and Among Us (instead of the VR Chat version).

In a few years, I believe we will see the improvements that will enable it all. It’ll become more mainstream one day, and I’m glad to be getting more involved in what I feel is the middle stage.

I actually remember being around folks working on VR Oculus development in 2013 while spending time in the gaming industry as a Quality Assurance Engineer. I’m sure they were working on some underwater game where you encounter a big octopus’ and all that. In my opinion, underwater levels in games are just always the worst. Imagining a whole underwater game, even if it is in VR is not my bag.

Fast forward multiple years, during a work team day we went for a VR experience where we got to play a lot of popular games including the classics Beat Saber and Elven Assassins. It is so much fun for an hour of pure random action.

And nowadays, I use my VR Headset now and then. I’ve even got my daughter into a few games, which sparks the thought towards the crazy difference in technology eras we are experiencing during our upbringings. My 16-bit Sega Mega Drive at about 7 years old versus a VR Headset, colouring 3D worlds and taking care of virtual pets for my daughter. It’s cool and scary.

Here’s a video of my kid playing Bogo (free short game) for the first time, really impressed me how fast she’s picking things up.

Gaming used to be a big part of my life growing up, but not so much as I got older. The VR Headset is perfect to pick up for an hour for a random game; whether it’s relaxing or intense with movements. I’m glad I have it and we’re getting the value out of the purchase.

This is my first post in my Gaming Category. I hope you enjoyed it, my initial aim was to just show off the VR Video I uploaded to YouTube above!… I’ll update again soon with whatever is on my mind in this space.