Entries tagged with “Money”.

One of the more stupid statements made by motorists to cyclists is “you don’t pay tax”, sadly this is just not true. We all pay tax, as the old axiom has it: there are two things in life which are unavoidable, death and taxes. However, when challenged on this point, they go on to say that they alone pay something called “road tax”, and that the payment of this gives them a greater right to use the roads than anyone else. Again this is not true, here in the UK there is no such thing as “road tax”, there used to be a form of tax called the “Road Fund Licence”, but as I have pointed out elsewhere, this was abolished in 1936! We all pay for the roads through our taxes, so effectively we all pay “road tax”. Despite this, there is a widespread perception among motorists that they are somehow unfairly taxed, unlike those free loading cyclists and pedestrians who dare to use their roads.

So just how true is this perception that motorists are so unfairly taxed? Well in the financial year 2006-07 £28.43bn was raised from taxes on fuel and Vehicle Excise Duty (VED). In the same year around £8.78bn went toward maintenance and £11.91bn new road building, but that is not the whole story. The cost of policing the roads and the expense incurred by the judicial system has been estimated to be £3bn. Also, the cost to the NHS of injuries due to road accidents crashes, according to figures from collated by RoSPA, was £9.93bn. So the total cost to government was £33.62bn, meaning there was a short fall of £5.19bn, which had to be covered from other non-motoring related taxation.

In addition there is the cost to businesses and other drivers due to delays caused by congestion, estimated by those rampant greens, the Confederation of British Industry (CBI), to be about £19.1bn.

Even this does not cover the whole cost of motoring to the nation as a whole, there are a large raft of hidden costs borne by all UK tax payers, these include –

  • Noise pollution: in the form of lowered house prices, spoilt semi-natural areas, ill-health and disturbed sleep, estimated to cost £3.1bn. One case study was based on over 3500 property sales in Glasgow, suggested that property prices were depressed by 0.20% for each decibel increase in road noise. (also see Roads: traffic noise)
  • Air pollution (not including CO2): estimated to be between £8.5 billion and £20.2 billion a year and this is likely to be an under-estimate! [Update: A conservative estimate for one type of air pollution (particulates) is that it reduces average life expectancy in the UK by around six months, worth £16 billion a year. DEFRA 2015] When looking at the costs associated with global warming, the figures are more difficult to pin down, but have the potential to dwarf our entire economic system. Transport contributes about 23% of UK domestic carbon dioxide (CO2) emissions and road transport is responsible for 93% of this.
  • Water pollution: in the form of run-off into rivers and drainage of leaking oil, break fluid, exhaust and soot from vehicles, rubber particulates from tyres and salt used in winter. Again estimated costs are uncertain, but are somewhere between £1bn and £16bn per year.
  • Costs to health due to lack of exercise: the British population is one of the fattest in Europe. The direct cost of obesity to the NHS is £0.5bn per year, the indirect health impacts of physical inactivity, estimated to be £10.7 billion per annum, and on top of that the indirect cost to the UK economy is at least £2bn per year.
  • Insurance: Car insurance is a competitive business. Figures released by the Association of British Insurers show that the payouts to road users were not covered by their premiums. The average shortfall for the five years from 1988 to 1992 was £626 million per year. In other words, insurance companies are charging more on other kinds of insurance to subsidise motorists.
  • The cost of repairing pavements damaged by illegal parking: this has been estimated to cost in the region of £234m a year and that does not include the cost of policing, installing bollards and other devices to stop vehicles parking illegally or the cost of compensation claims for trips and falls caused by this damage.

The simple inconvenient fact is that it is 18% cheaper to run a car now than twenty years ago. This shows that “the motorist”, far from being unfairly taxed, is being heavily subsidised by the non-motoring tax payers. So it is motorists that are the free loaders on Britain’s roads, not the long suffering cyclists and pedestrians.

Now I really must get back to filling out my tax return, if only I could get a rebate for not owning a car …

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We recently had a new bathroom fitted and as it is an internal room lighting is important. When we first moved, in the old bathroom gave a good impression of the Black Hole of Calcutta (well more like the green and blue hole of Calcutta, an interesting colour scheme), lit by a single 40w tungsten bulb. On the first day, all the old tungsten bulbs where removed and replaced with modern low energy bulbs. In the bathroom I put in a 14w, which has a light output equivalent to a 75w tungsten bulb, a considerable improvement straight away.

Putting in a new bathroom gave the opportunity to make more radical changes. My first thought was to use halogen down lighters and flood the room with light, however there are a few issue with halogen down lighters. First off, care must been taken when fitting them into an existing ceiling, as they can be a fire risk due to the heat they generate. Secondly, all that heat is just wasted energy, with most of the energy being converted into heat rather than light. While halogen bulbs while they are more energy efficient than Edison incandescent bulbs, they are still not the most efficient means of lighting. The search was on for energy efficient replacements for the standard GU10 halogen bulb.

Most people are now aware of low energy (compact fluorescent lamps or CFL) bulbs, even if not everybody is using them. There are now CFLs which can be used to replace the old fashioned tungsten GU10 bulbs (GU10 refers to the type of fitting). They are at the present time more expensive (£5 to £6 per bulb) than the halogens they replace (£0.79 per bulb), but the CFs use less energy and last longer, but more on that later.

However I wasn’t convinced this was the most energy efficient solution. Through my interest in cycling I knew that in high end cycle lights halogen bulbs have now been entirely replaced by LED lights. Indeed the popularity of 24 hour cycle racing, where the race continues through the night (at the extreme is the Strathpuffer with 17 hours of darkness), have helped to drive development in this area, as bright and energy efficient lights are important to this sport. If you are hurtling down a forest track in the dark, you want plenty of light to find your way. Yet at the same time you don’t want to be lugging a heavy battery about, so low energy consumption is essential. The German light makers Lupine show just what can be done with their Betty 14, a 1500 lumen 22w light which can run for 6 hours on a 14.5 Ah Li-Ion bottle battery. The whole setup only weighs 810g. Ok, so it comes at a price (£685.00, just in case you want to know what I would like for Christmas) and a 1500 lumen lamp is way more brightness that the average domestic lighting system would normally use, but has any of this high end technology filtered its way down to the domestic lighting market?

Well yes it has, you can get LED lights as replacements for halogen bulbs, but there are a few differences in what is required from a bike light compared with domestic room lighting. As stated above, top end bike lights are far brighter than domestic lighting systems, also there is the colour of the light to be taken into account. As light colour and temperature can be a wee bit confusing, here is a short digression into light colour/temperature.

A lighting designer will describe white light as being cold or warm depending on whether it is towards the yellow end of the spectrum or the blue end, with yellow being warm and blue cold. On the other hand, a lighting engineer will describe white light according to its temperature in degrees Kelvin (°K), to them a “warm white” light has a temperature of 2700°K and the “cold white” a temperature of 5000°K. So why the difference? The designer gives a subjective description of the light, and we have become accustomed to the yellowish white light of the tungsten bulb in most domestic lighting situations. Before that we would have experienced the light of oil lamps or candles, which have a similar coloured light. This light is described as being warm. Whereas white light which is to the blue end of the spectrum, and is closer in colour to that of daylight, is regarded as harsh and cold. The engineer on the other hand describes light according to the level of energy required to generate it. For millennia metal workers have known that if you heat a piece of metal it will start to glow, at first red, then as you heat further straw yellow and eventually it will become white hot. At this point metals start to melt, and if you are using arc welding gear to melt the metal, you will notice that the electrical sparks give out a blue light as they are hotter still. The temperatures at which these colours are produced can be measured, hence colour temperature is given in °K. Ok so back to the subject at hand.

Most bike lights produce a “cold” white light with a temperature of about 5000°K, this is often considered too harsh and cold for use in a living area. So for domestic use there are GU10 LED lights which can replace the bog standard halogen down lighter, these usually come as a choice of either warm white (3200°K) or cool light (5000°K). Power usage ranges from 1w to 4.3w and their light output can be equivalent to 35w to 50w halogen blubs (specifications can vary between manufactures). As this is in many ways still a cutting edge technology, prices are on the high side at between £6 and £18 a bulb.

So to the big question, is it worth spending £18 on a bulb when you can get a halogen bulb for £0.79 to do the same thing? The answer depends on the time scale you look at and how much you use it, to find out it is necessary to carry out a little economic analysis. To do this I, have developed a simple tool to compare the energy usage and running cost of three different types of downlighter type lights.

Basically halogens are cheap to buy but use a lot of expensive energy and have a short lifespan (typically about 2000 hrs). Whereas LEDs are expensive to buy, but use very little energy and have a very long lifespan (typically about 50000 hrs), CFLs are somewhere in between. To see which is the better value in the longer term I chose the following scenario, using four bulb fitting, for four hours a day (OK so that is a wee bit longer that we normally use the bathroom per day) using electricity at a costing of £0.18 per kWh (a rate taken from an old bill, before the recent price hike!), what would be the total running cost per year? In the first year the total cost of the halogens would be £39.10, using CFLs would be £12.96 and using LEDs would be £4.90. This suggest that saving in energy costs of using the LEDs would repay the capital investment is a little over two years. However at the current time the cost of energy is going up and the cost LEDs is coming down, so this could soon be even shorter!

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