I just realized that today, Christmas Day, being the last Sunday of the month, is curry pie day. Lib has gone to work, Gord and Rob are still asleep, and Pip and Snow aren't here, they're staying for a couple of days in the kennels where I took them yesterday. I didn't want to risk leaving them here with all this thunder happening while we won't be here much today and tomorrow. They have developed extreme anxiety to thunder, a result of neighbouring young bucks using fireworks at odd times close by.
It'sraining, so I'm not doing my morning walk, and even if I was and the dogs were with me, the baker wouldn't be open anyway. I guess I'll have to make do with Christmas lunch with my family, then dinner with Lib's. I kick started with egg, bacon, cheese, and tomato toasted sandwiches for breakfast and look forward to the feasts later in the day.
And I'll take my curry pie credit through to next Sunday, New Year's Day, when the baker is sure to be open, you'd think.
Sunday, December 25, 2011
Tuesday, December 20, 2011
Reflections
Fortunately I find myslf in good health and happiness as we near the end of a difficult year. A year ago we were renovating the "clinic" at the farm where Vince had been a good tennant with his osteopath business. He'd scaled down over a few years and had been semi retired for some time. When he left we decided to renovate the building into living quarters which turned out to be a more tiring and expensive project than was anticipated. It took our savings. Meredith, Elvie and I contributed to make up the cost. So we started the year skun out and not a little anxious. The prospective tennant we had lined up pulled out but Jod took the opportunity and moved in as soon as it was finished. He pays rent so over time our expense will be recouped.
The big rain of February set the tone for a wet and wild ride which has continued for most of the year with rampant growth of trees and shrubs and grass and weeds creating a high work load which has not eased up. Our scratchy financial position meant we had to chase every dollar we could in the way of keeping customers supplied and happy. Somehow customers have a habit of requiring the difficult or scarce rather than the easy and plentiful. That's the way it goes.
The last three months have been good from a financial viewpoint. Two wet springs in a row made for terrific blossom and beech foliage. We have at last a small buffer in the bank which should tide us over the next couple of months as business quietens after Xmas and we concentrate on farm maintenance eg grass cutting and weeding and pruning and mulching. Not that we are flush by any means but we've gained a little breathing space.
Aside from the sheer brutality of meeting financial commitments there's a psychological endurance needed in small business, and I think I can be pardonned if I have become cynical. It was not long ago that I had a letter from the Fairwork Ombudsman suggesting that I had been selected for a possible audit of my workplace arrangements and payments, and that if I was in breech of any regulations it would be far better for me to disclose my errors beforehand than be detected by the auditor.
Not long after that a letter came from the Tax Office telling me that my figures were below "industry average", and seeing that I was involved in an industry where cash was often transacted, there was chance that I'd be selected for audit shortly and it would be wise of me to make disclosure of any receipts that had not been declared before thy were discovered at audit. I was informed there were hefty penalties and that the tax office had access to my bank accounts, and they worked from information provided to them by other parties.
Now I have nought to hide from anyone but I still find this communication intimidating, and when you are a small business scratching a living out of a few acres and employing a few people honestly and diligently you can't help but feel offended, remembering that as an self employed toiler I have no perks like sick pay or holiday pay. Every dollar is hard won.
Lately when I get home if I watch TV there are advertisements for WorkSafe directed at employers with the theme "We're coming to get you, the inspector is on his way". Of course I pay work cover insurance and we've never had a claim against us. I guess my premiums help pay for the ad.
Nowadays also as I drive to the farm and return there's every chance the police are aiming their radar speed gun at me or there's a speed trap set up to photograph the car's number if I transgress. I have not been booked for speeding for many years but Meredith, one of the slowest drivers I have known was detected and fined for doing 63 in a 60 zone a while back, and Lib copped a $240 fine for speeding whilst going shopping for the nursing home in her lunch hour. I have been pulled up dozens of times and asked to blow in the straw this year.
My farm pack insurance renewal came with a 50% increase in the premium and reading the fine print I find that a healthy portion of the total due is stamp duty and fire levy. There was no explanation for the rise in premium and we've never made a claim. The council rates have gone up double the CPI for two years in a row. It never seems to end. And everybody knows what is happening to electricity and water charges.
So I do feel I'm under constant harrassment. I regard myself as an honest, law abiding, hard working citizen, contributing much to the community above my business interests in voluteer work. My feelings are not diminished by the knowledge the harrassers receive holiday pay, sick pay, healthy superannuation, not to mention compassionate leave, long service leave, maternity leave. Mostly they are public servants whose tenure is 'safe' from economic fluctuation.
I make no apology for what may be perceived as whingeing. I intend to speak my mind more in the future. Despite the grinding oppression, I repeat I'm fortunate to be in good health and happiness and ready to take up arms for new battle in the New Year. I wish my friends and readers a happy and safe Christmas and festive season. May God be with you.
The big rain of February set the tone for a wet and wild ride which has continued for most of the year with rampant growth of trees and shrubs and grass and weeds creating a high work load which has not eased up. Our scratchy financial position meant we had to chase every dollar we could in the way of keeping customers supplied and happy. Somehow customers have a habit of requiring the difficult or scarce rather than the easy and plentiful. That's the way it goes.
The last three months have been good from a financial viewpoint. Two wet springs in a row made for terrific blossom and beech foliage. We have at last a small buffer in the bank which should tide us over the next couple of months as business quietens after Xmas and we concentrate on farm maintenance eg grass cutting and weeding and pruning and mulching. Not that we are flush by any means but we've gained a little breathing space.
Aside from the sheer brutality of meeting financial commitments there's a psychological endurance needed in small business, and I think I can be pardonned if I have become cynical. It was not long ago that I had a letter from the Fairwork Ombudsman suggesting that I had been selected for a possible audit of my workplace arrangements and payments, and that if I was in breech of any regulations it would be far better for me to disclose my errors beforehand than be detected by the auditor.
Not long after that a letter came from the Tax Office telling me that my figures were below "industry average", and seeing that I was involved in an industry where cash was often transacted, there was chance that I'd be selected for audit shortly and it would be wise of me to make disclosure of any receipts that had not been declared before thy were discovered at audit. I was informed there were hefty penalties and that the tax office had access to my bank accounts, and they worked from information provided to them by other parties.
Now I have nought to hide from anyone but I still find this communication intimidating, and when you are a small business scratching a living out of a few acres and employing a few people honestly and diligently you can't help but feel offended, remembering that as an self employed toiler I have no perks like sick pay or holiday pay. Every dollar is hard won.
Lately when I get home if I watch TV there are advertisements for WorkSafe directed at employers with the theme "We're coming to get you, the inspector is on his way". Of course I pay work cover insurance and we've never had a claim against us. I guess my premiums help pay for the ad.
Nowadays also as I drive to the farm and return there's every chance the police are aiming their radar speed gun at me or there's a speed trap set up to photograph the car's number if I transgress. I have not been booked for speeding for many years but Meredith, one of the slowest drivers I have known was detected and fined for doing 63 in a 60 zone a while back, and Lib copped a $240 fine for speeding whilst going shopping for the nursing home in her lunch hour. I have been pulled up dozens of times and asked to blow in the straw this year.
My farm pack insurance renewal came with a 50% increase in the premium and reading the fine print I find that a healthy portion of the total due is stamp duty and fire levy. There was no explanation for the rise in premium and we've never made a claim. The council rates have gone up double the CPI for two years in a row. It never seems to end. And everybody knows what is happening to electricity and water charges.
So I do feel I'm under constant harrassment. I regard myself as an honest, law abiding, hard working citizen, contributing much to the community above my business interests in voluteer work. My feelings are not diminished by the knowledge the harrassers receive holiday pay, sick pay, healthy superannuation, not to mention compassionate leave, long service leave, maternity leave. Mostly they are public servants whose tenure is 'safe' from economic fluctuation.
I make no apology for what may be perceived as whingeing. I intend to speak my mind more in the future. Despite the grinding oppression, I repeat I'm fortunate to be in good health and happiness and ready to take up arms for new battle in the New Year. I wish my friends and readers a happy and safe Christmas and festive season. May God be with you.
Tuesday, December 13, 2011
December Rain
As I went past the rain gauge on Saturday as I whipper snipped I tipped 25 ml out, which had fallen Friday night. I tipped out another 35 ml this morning which fell on Saturday night accompanied by much thunder and lightning.
Since my last post we've had a holiday to South Australia where we found considerable relaxation if not peace and quiet. We stopped overnight on day one at the Kaniva motel having failed to find a vacant cabin in the Nhill caravan park. We cooked on the communal barbecue in company with several shearers who were having a quiet drink after a long hard day. The motel owner had warned us there'd be some rough looking and talking characters at the barbie but they were "good boys" who often stayed there. Lib thought she brought some frozen steak but when she took it from the esky thawed out it turned out to be a big fish head, whatever that was doing in our freezer I know not, perhaps it was put in there with the intention of putting it in the bin on garbage day but was forgotten. We had enough sausages to get by.
The next two nights were in a motel in Adelaide, on Sth Terrace near wher Rob is living. Adelaide is great. The city centre is surrounded by parkland and it's an accessible city with excellent public transport. People are relaxed and friendly and there's far less traffic and hustle and bustle than Melbourne. We dined out at a Greek restaurant one night and a Chinese the other with Rob and his friend for company. We did a tour of the Adelaide oval and St. Peter's cathedral and explored the city.
We then moved south to the beach and stayed 3 nights in a cabin at Adelaide Shores caravan park which itself is only 15 minutes from the city. The airport is right next door so we watched (and heard) many planes coming and going. Saturday we went to Morphetville races just up the road with mixed result on the punt. Our best collect was when I put the money on the wrong horse for Lib, No 4 insted of 5, she didn't want me to but I went back and put some each way on No 5 and as luck would have it 4 and 5 came first and second. We drove to the Clare Valley one day and Maclarenvale another and bought some fabulous wine to enjoy over Christmas.
Everywhere through Western Victoria and rural S.A. the wheatfields looked fantastic and harvesters were busy and grain trucks delivered wheat to mountains of it in the storage yards. It was a great thing to see, and probably the best harvest for many years.
We've been back a week and I been very busy picking beech and flowers and catching up on bookwork, grass cutting, weeding and other business concerning the park and museum etc. Never a dull moment.
Gotta go, very tired. Great win by NZ in the cricket. As I write it's raining again, I can hear it on the roof. I hope the heavy rain has missed the broad acre crop areas. I must buy the Weekly Times on Wednesday to find out.
Since my last post we've had a holiday to South Australia where we found considerable relaxation if not peace and quiet. We stopped overnight on day one at the Kaniva motel having failed to find a vacant cabin in the Nhill caravan park. We cooked on the communal barbecue in company with several shearers who were having a quiet drink after a long hard day. The motel owner had warned us there'd be some rough looking and talking characters at the barbie but they were "good boys" who often stayed there. Lib thought she brought some frozen steak but when she took it from the esky thawed out it turned out to be a big fish head, whatever that was doing in our freezer I know not, perhaps it was put in there with the intention of putting it in the bin on garbage day but was forgotten. We had enough sausages to get by.
The next two nights were in a motel in Adelaide, on Sth Terrace near wher Rob is living. Adelaide is great. The city centre is surrounded by parkland and it's an accessible city with excellent public transport. People are relaxed and friendly and there's far less traffic and hustle and bustle than Melbourne. We dined out at a Greek restaurant one night and a Chinese the other with Rob and his friend for company. We did a tour of the Adelaide oval and St. Peter's cathedral and explored the city.
We then moved south to the beach and stayed 3 nights in a cabin at Adelaide Shores caravan park which itself is only 15 minutes from the city. The airport is right next door so we watched (and heard) many planes coming and going. Saturday we went to Morphetville races just up the road with mixed result on the punt. Our best collect was when I put the money on the wrong horse for Lib, No 4 insted of 5, she didn't want me to but I went back and put some each way on No 5 and as luck would have it 4 and 5 came first and second. We drove to the Clare Valley one day and Maclarenvale another and bought some fabulous wine to enjoy over Christmas.
Everywhere through Western Victoria and rural S.A. the wheatfields looked fantastic and harvesters were busy and grain trucks delivered wheat to mountains of it in the storage yards. It was a great thing to see, and probably the best harvest for many years.
We've been back a week and I been very busy picking beech and flowers and catching up on bookwork, grass cutting, weeding and other business concerning the park and museum etc. Never a dull moment.
Gotta go, very tired. Great win by NZ in the cricket. As I write it's raining again, I can hear it on the roof. I hope the heavy rain has missed the broad acre crop areas. I must buy the Weekly Times on Wednesday to find out.
Subscribe to:
Posts (Atom)