Category Archive: Others

What is conversion?

Nothing to do with religion here.

Conversion means your website users doing whatever it is you want them to do.  For example, you might want your website visitors to

  • purchase a product
  • fill out an RFI (request for information) form
  • subscribe to mailing list
  • drive to your retail store
  • find the info they were looking for
  • contribute to your cause (charity, political website)

Word Cloud from my Twitter



Word Cloud from my Twitter, originally uploaded by S S YAP.

Most common words I use when I post on twitter.com/mryap

Helping one another in difficult time.

Last weeks, Ireland media being highlighting

1. Closure of Waterford Wedgwood: – products that cost around 3500 Euro that is nice to have, facing receivership.

2. Dell Ireland letting go 1,900 staffs in the city of Limerick. According to Irish Times, Dell is the country’s biggest exporter and second largest company. It accounts for approximately five per cent of Irish GDP.

Against this background of news, I feel great to see some professional offer their valuable service and time to help people who are made redundant.

For example via my Twitter network, I learn that

  • One offer to provide free career coaching for people affected by job losses.
  • Another offer to design logo and will getup and running with a website or blog.
  • Another offers “LinkedIn Profile Enhancement” ie. to write better profile on Linkedin.com
  • Limrick Open Coffee Club offer would be entrepreneur free start-up advice.

List goes on. Instead of waiting government to do something, they take the initiative to help one another.

Mr Muhammad Yunus, 2006 Nobel Peace Prize winner for his pioneering work in microcredit said “We citizens, we individuals, are capable people addressing social issues. Maybe address a small social issue within my neighborhood, maybe within my district, within my village.”

See also Bailout Program for people affected by Job losses

Top earners in Ireland paying less tax…

Not a good news for those who slogged and earned but have to pay a hefty 42% tax!!!.

This is on top of the 21% Value Added Tax (VAT) for most of the thing one buy!

One in eight top earners paying less than 5pc tax

The figures were revealed yesterday by Finance Minister Brian Cowen, resulting from a Revenue Commissioners’ study of the effective tax rates of the “Top 400″.The three who paid no tax represented a reduction from six in the previous year but the 45 paying from 0 to 5pc showed an increase from 37 in 2002.

The highest proportion of the 400 top earners — 119 — were in the 35 to 40pc tax bracket while 80 were in the 40 to 45pc range.

Comparing the years 2002 and 2003 — the latest date for which figures are available — the number of taxpayers with an effective rate of less than 15pc increased from 79 to 80 while the number with an effective rate of less than 20pc increased from 95 to 104.

In both 2002 and 2003, about three quarters of the taxpayers concerned had effective tax rates of 20pc or more and about half had effective rates of 35pc or more. Fine Gael Finance spokesman Richard Burton said the figures revealed how “this Government lets millionaires pay no tax.”

He said: “It has failed to move to introduce a fairer system of tax that ensures that everyone pays their fair share, not just middle-income PAYE workers.”

The study showed once again “how some high-earning taxpayers can manage to entirely avoid paying tax by astute use of tax-avoidance measures.”

“The study also shows that the number of top earners paying less than 20pc has increased by one-third,” he said.

The figures were seized upon last night by Labour’s Finance spokesperson Joan Burton as “a shocking indictment” of Fianna Fail’s tax record over the past 10 years.

“Fianna Fail has presided over a tax regime that has allowed super earners to use a range of tax loopholes and avoidance measures to minimise their tax liabilities — and some millionaires to avoid tax liability altogether — while workers earning at or just over the average industrial wage have had to endure tax rates of 40pc and more,” she said.

Ms Burton added: “The vast majority of workers accept that they have to pay taxes in order to provide for the range of vital public services on which our society depends. It is now time the government took steps to ensure that super earners do likewise.”

Mr Cowen said that the vast majority of those with high incomes pay tax at or close to the top rate (42pc in 2003) and the top 1.5pc of income earners pay more than a quarter of all income tax in the State.

After Budget 2007, he said, nearly 40pc of income earners at the lower end of the income scale pay no income tax.

But he said that yesterday’s figures showed that, “historically, there have been some individuals with high incomes who pay a very low level of tax.”

Legitimate

He added: “While their use of legitimate reliefs is entirely legal, it did give rise to questions of equity and further justifies and reinforces the valid reasons for his decision in Budget 2006 to restrict income tax relief for high earners.”

Mr Cowen claimed the measures introduced in Budget 2006, to take effect from this year, will both “greatly restrict the availability of special tax incentives — especially in the property sector — and reduce the ability of high earners to offset these reliefs against annual income.

“The restriction of relief measures which took effect from the 1st of January this year will mean that the tax take from the better off will rise and the tax system will be more equitable as a result,” he said.

Mr Cowen also reiterated the intention of the Government to further examine tax reliefs and incentives in Ireland.

- Source

There is no place like home

Over the last few weeks, my 3 years old boy told us in his own way without us prompting that he want to go back to Singapore. He did not want to stay in Ireland apparently.

The wife said she missed Singapore convenience and warm weather…not to mention the way it works in Singapore suits her.

I have reservation going back for the following reason:

Reservist commitment. Every year, Singaporean Male are expect to spend up to 2 weeks in camp. This going to have am impact on our job. Savvy employer will not want to see their staff disappeared for 2 weeks away from job. They cannot by law terminate us but there is a workaround for them – to engage non Singapore staff from the start.

Once over the age of 40, you considered old man work wise. I have overheard my ex-colleagues at a US MNC in Yishun commented they are reporting to “someone who can be my grandfather” – with reference to a department head (over the age of 60) on the other side of the Pacific ocean.