Tory cuts

I don't understand where this culture is located. Every single one of the people I work for (Recovering substance users) want to get off benefits and into work. You simply cannot live on ESA or JS.

I've met one person who didn't want to get of benfits. Reason was that they couldn't see any way of getting anything more than a minimum wage job that would only leave them a few pounds a week better off and with much less time to spend with their kid. Their plan was to get some qualifications then try and get off benifits. I don't know how it worked out.
 
Skimming through this thread, I see Fiona has touched on it.

But if the lowest estimate for tax lost via avoidance is £42-Billion, and most a lot higher, it would seem a good place to start.

I seem to remember that John Major's government took longer to really cock up than this one.

Gove, Osborne and Fox are amazingly accident prone, before they have actually done anything.

Then there are the undead (IDS, Redwood and Hague -he actually manages to look good in comparison to the rest, which is saying something).

Then there is the Deputy PM...

A post that was created as a sop to Heseltine's ego, and then given to Prescot to keep him within the tent.



</Vent>
The cabinet seems to be filled with the Tory equivalent of Jeff Hoon.
 
Skimming through this thread, I see Fiona has touched on it.

But if the lowest estimate for tax lost via avoidance is £42-Billion, and most a lot higher, it would seem a good place to start.

Could be a bit of a problem. See most of the tax avoidance is done through the british overseas territories. We could shut them down but since most of their financial services are run through the city of london it would be rather expensive.
 
Don't agree, either morally or in practical terms.

Tax Inspectors bring in many many more times their cost: yet enforcement has been reduced rather than increased. Not an accident.

We have the law: it is written so that much that is quite clearly questionable is nevertheless legal: and companies pay out very significant sums to the big accountancy firms: they do not do that through charity: they do it cos it pays. But even then there is a great deal of avoidance of tax and each inspector uncovers some of it. Much is not really within the law: though not actually criminal. For example, to get my last job I was forced to be paid through the Isle of Man. This particular mechanism is most certainly not allowable: it is a scam which means that the tax is substantially lower than it should be. I have been asked to do this every time I got an agency job over the last two years with increasing urgency: last time I was told I just could not have the job unless I did. I hate this, but hobson's choice. What those companies will not tell you is that you are losing in terms of the state pension: because of the way they do it you are ostensibly on minimum wage while making up your wages in "bonus". Most of the people who take this option do not realise that: but whether they do or not there is less and less choice.

I am an ordinary person, and so this shows that you are correct: and that it does not just apply to big companies as one might imagine from mention of the city: the companies which do this are probably doing very nicely: but they are stealing from the british taxpayer. There is provision in the tax law to counter this: they know it and they think they have found a loophole: i don't think they have: I think there are not enough inspectors to do proper enforcement. And that is just one of the more obscure things I happen to have run across directly

Secondly what you are saying is that we must accept avoidance because a decision to enforce the law would have economic consequences: and this is true. Just as the banks cannot be allowed to fail nor can the city. This is a direct consequence of the tory conviction that we can all make a living by taking in each other's washing. A bigger lie was never perpetrated on a foolish population. And we have a predictable result. We have effectively turned ourselves into a plutocracy.
 
I don't know and you don't know. That is the long and the short of it. If you were a high rate tax payer and those people are on benefits and living as well as you then either you dropped your money down a stank or you are wrong. Simple as that.

So that people don't have to sleep on the street, I should imagine.

As to what is essential? Do you know how the rates of benefit were originally calculated? Do you know how they were implemented after that calculation? Do you know the history of cutting them thereafter? I get the impression you don't

Just like everybody else then? You will take a job if it brings in more money than your benefit when you judge that is in your interest? Would you take it if it brought in less? I understood you to say that your pride is worth a great deal of money and that a drop in income is well worth the increase in dignity. What will you work for, I wonder?

You see, your £65 per week is exactly what you say you want: it is the contributory benefit paid for those between jobs: and while you get it you are under far less pressure to take just anything: that is an accepted part of the system: you get that time to seek a job commensurate with your expectations for just the reasons you give. The game changes when that benefit runs out.

See above.

Does not matter what they say: the rules matter and the rules forbid that. Of course there are ways around them: there are for any rules. But the idea that one can just decide to make a choice shows a complete failure to understand the benefits system in this country.

As has already been said: there is a benefits trap. Most people will not make the choice to take a significant drop in an already inadequate income in order to bask in the dignity of work. For most people that would entail impoverishing their dependents, and they don't have such a distorted sense of their own importance that they would do that to their children. Clearly your values differ. And from one perspective they may well be admirable: but I do not admire the idea that your children should suffer for your pride. Many people have to face that stark choice: it is one of the things which underlies the poor mental health outcomes which arise from unemployment, actually. And it is interesting to note that we do not see a choice to maximise income by, for example, setting your self up as non resident or non domiciled so that you can avoid tax, in the same way: that is not only legal, but it is seen as perfectly reasonable unless you want to be a government minister. Why do you expect the poor to be different from the rich? Oh that is right: they are not like us. Seems they are.

You clearly haven't a clue. You don't even know what an area with a lot of people on benefits looks like: they don't have the kinds of adverts for staff in shop windows etc you described upthread. I have visited London and seen that: In times when we were having a boom I have even seen it here occasionally. But not often and not for long. What is the unemployment rate where you live?

Oh and good luck with keeping your forthcoming child happy with the radio. :)

Do give us your recipe for healthy eating on benefit: I know a lot of social workers and health visitors who need that information, so don't delay.

No I am not denying it happens: I am asking what you actually know about how the system works. Do you know how you claim such benefits? Do you know how entitlement is assessed? Do you know how many claims are denied and how many are successful if they are appealed? Do you know how often the award is reviewed? Do you know how that process works? All of that information is freely available so it is not unreasonable to ask you to outline your understanding: and then tell me it is easy and show how, please

Not what I suggested: you are in a peculiar position because you presumably signed up as a sponsor for your wife and she has not lived here legally as your spouse for 3 years yet and so cannot begin the process of naturalisation. If that is the case you fall under the "no recourse to public funds" provisions. The only other ways you can be in the situation you are in is if she is working: or if your savings are high enough to debar your from means tested benefits.

What i suggested was you try to live on the benefits you would get if you were not in that peculiar position. The benefits that millions of your fellows are living on (and managing to run cars and all of that on, according to you). Try it. :)

Tough: they should have thought of that. Why should I not expect high earners to make provision for that while they are in work? I read a statistic one time which I cannot now find: the majority of people, whatever their level of income, were 3 months wages away from destitution: that is the level of average cash savings and it did not vary with income except at the bottom and the very top. Funny that: the poor don't seem to be a different breed after all.

Well they cannot tax what you do not earn, so that is inevitably true. So what?

No. Benefits are designed to smooth the transition between jobs and that is fine. If you cannot get a job in short space of time the game changes. It changes because of the views of people like you. So yes, we are coming at it from different angles. You think it is reasonable to force you sell your non-essentials because you are out of work for longer than a few months: I don't. Have you read about the means test in the 1930's? It seems that you wish to return to that system. If we get to that stage I will seek political asylum in a civilised country.

And then?

How did you contribute anything? Were you not paying full uk tax or something? I had understood that most countries had double taxation agreements, and that is how non-domiciled and non resident people get out of contributing to this country. I am very willing to be enlightened about this aspect.

A less good than they were when we paid a reasonable amount in taxes. I said: you cannot have european level services and american style taxes.

They prevent starvation, yes. They prevent sleeping on the street, yes. They put shoes on people's feet, yes.

Do they allow of a life as opposed to an existence? Debatable

Benefits do not trap people in unemployment: low wages do that.

As for wasters milking the system, now here I do agree with you. Sack every charlatan consultant with another super wheeze for getting people off sickness benefits: every one with a fraudulent way of measuring benefit fraud to sell, for a politicians comfort; stop all the rich landlords getting their income from multiple private lets funded by housing benefit and let us have proper council houses again. Etc. I am glad we have at least some points of agreement :)

They are educating our children, quite obviously. Why do you ask? Did you miss the improvement in standard exam passes year on year? Did you not notice that our class ridden society apparently has to make finer and finer distinctions between exam results so that we can continue to have an elite? Criterion referencing would never do, now would it?

You might also have missed the fact that this is achieved in difficult circumstances: schools which have set up breakfast clubs because the children don't get a breakfast before they arrive are an example: weans learn better when they are fed and the results are there for all to see.

It is not the police's job to reduce crime, actually: that task falls to the street lighting agency and other such bodies. I noticed that a council proposed turning the lights off at midnight somewhere in england: that will help, no doubt. Don't think they implemented it: perhaps sanity prevailed.

No, they don't spend all their time catching speeders: though they do that too and it is very lucrative (you didn't know that income generation is important nowadays? tis another pretty prism from the private sector and another way of raising money from a population which will not pay tax) Like every other public servant nowadays what they do spend a lot of time doing is "accountability": and what that means is writing about doing their job instead of doing it. That is what we demanded and that is what we have got: it is now acknowledged by all parties: they all make noises about how bad it is: yet to see any actual reversal of this nonsense, however

We don't pay enough tax and we make the choices about how to spend the ones we do raise. Oddly enough those things are not a very high priority. We have a splendid army, however. And we have a really thriving banking sector able to pay millions in bonuses. :)

See above

Interesting. How far below have you managed, so far? How many weeks? I assume you are saving something every week? Is it going to be enough to cover the increased heating costs in the winter? Clothes? Repairs to the boiler when it bursts? I am genuinely interested in how you are managing this: especially since you presumably "have higher outgoings for things that may not be able to be turned off quickly". Seems that turned out not to be true? I do agree that the minimum wage is a lot better than benefit if you have no children, and no special needs, however.

Just like all those people you so decry then? Seems you are no different from them. Again

I happy to continue this but if we do so you are going to have to refrain from the suggestion that I don't know what I am talking about when it comes to my personal situation, my area and my neighbours. We might have different experiences and we might see things differently but you'll have to come off your high horse and accept that what I see with my own eyes is just as valid as what you see with yours. Please don't try to suggest I am unfamiliar with unemployment or that I live in some ivory tower and have never experienced an area of high unemployment.

Nor should you paint me as the privileged middle class trying to take crumbs from the table of the poor.

As for how someone on benefit can live to the same standard as me..well perhaps you should ask them? Or perhaps we can look at some rough maths and say someone on 45k a year will lose about 15k in tax and NI right off the mark. So we have 30k take home. Say 6 goes on rent/mortgage. 1.5k goes on council tax. Maybe another 5k a year on transportation costs to get to work? A sensible person will also maybe put 5% into their pension... there goes another 2.5k oh and you should probably save some of your income so you don't have to live on 65 quid a week if you get made redundant? Maybe 10-15%? So 5-7k saved to be sensible. Then there are little incidental things that add up like having to buy work clothes, work shoes, etc .. means you have about 7-8k a year in disposable income if you are being sensible. Roughly 125-150 quid a week - its not unthinkable that a couple on benefits are taking that home and more is it? It's actually pretty common isn't it?

If you want to argue, as it seems that you do that benefits should offer a level equivalent to a working wage then what is the justification for anyone to receive benefits in excess of the national minimum wage?

I don't where you got this from: "I understood you to say that your pride is worth a great deal of money and that a drop in income is well worth the increase in dignity. What will you work for, I wonder?" Pride has sod all to do with anything. My argument is that the system should not allow people to choose whether to work or whether to take benefits. You and I both know there are people who choose to stay on benefits, you admit as much yourself but then deny it in the next breath when it suits your argument. The incentive is there for them to do so. I'm arguing the system should be changed so that they do not have that incentive. If that means a higher national minimum wage then great.

Strange though that you are arguing that the minimum wage is not enough, that benefits are not enough for the 'poor' but that 65 quid a week is sufficient for someone receiving contribution based JSA. I guess they just aren't noble and worthy enough poor to receive your sympathy. If only they had made the wise choice to sit on their backsides and never work then they would obviously deserve anything they can get. I personally don't think it does anyone any good to be sitting around unemployed indefinitely and to label themselves as someone who is better off on benefits than working. It seems you do, which is sad. That again is a failure of the system in my eyes. You seem to think that the poor are nothing more than charity cases, if you keep telling them that then they will believe it too.

If you remove the incentive for people to work then you trap them in unemployment. The system as it stands does exactly that and therefore it is broken.

Please be careful with your use of pronouns as 'we' certainly don't think that its just dandy to fiddle your taxes and wangle non-dom status to save a few quid. However, just as it is an understandable reaction to the system for people to choose benefits over work its also an understandable reaction to being taxed and not receiving the benefit of taxation to a commensurate level that people will try to minimise the tax burden.

As for consultants milking the system...that absolutely happens. Unfortunately a lot of it happens because the public sector takes on responsibilities beyond what should be their remit and beyond their capabilities to deliver. My experience was in economic development activities where Xm was allotted by central government, sub-contracted multiple times to public sector bodies all adding their admin overhead and then finally farmed out to consultants charging inflated fees because nobody in the organisations had the capabilities to do the work nor the savvy to realise what the value of the work was. Inefficient and ineffective. Everyone is sucking at the teet and nothing is getting done and yet there are those who think its because we don't pay enough taxes! What is the marginal benefit of a tax pound in the UK? Close to zero it appears to me.

Healthy eating on benefit? Easy that. Lots of cheap fruit and veg. Scan the offers in the supermarkets and buy whats a good deal, buy the yellow-labelled items that are close to sell by date, cook at home from fresh, plan your menu and use your leftovers for something else. I mean its not like you have anything else to do. Too much like hard work for some people though so they go to McDonalds, Greggs and KFC 'cos its all they can afford'

If you are maintaining your ridiculous argument that SKY is a economical medium for entertaining kids then there isn't much point pursuing that much further. 50-odd quid a month so dad can get his Premiership football in HD vs just watching what is available on non-subscription telly and/or doing something worthwhile with the kids and you are arguing that SKY is a great deal??? Seriously??? Better than going to play football in the park or reading a book or hell cooking a healthy meal together??? Seriously?

As for how to live below minimum wage, I cut out the unnecessary stuff, stay in rather than going out, switch to cheaper alternatives for branded stuff, don't buy clothes unless I really need them etc. It's not fun but its sustainable until I can improve my situation. I daresay if I had kids it would be different also if I had a lot of credit it would be different if I had an expensive mortgage it would be different, if i had car payments on a big car it would be different...these are the things I was talking about not being able to turn off quickly. Things that I avoided getting myself into just in case.

Again, get off your high horse and realise I am not decrying people, I am decrying a system. A system that encourages people to become welfare junkies and keeps them suckling at the state's teet in perpetuity. I have no problem if people are taking home 100 200 300 or 1000 quid a week in benefits(I have no particular issue either with me getting nothing), but I object when they, the system and bleeding hearts like yourself conspire to keep them there because apparently they just aren't capable of cutting it in the real world and all of us workers have had so many privileges and advantages in our silver spoon existences that we just can't appreciate how hard these poor souls have it.
 
Skimming through this thread, I see Fiona has touched on it.

But if the lowest estimate for tax lost via avoidance is £42-Billion, and most a lot higher, it would seem a good place to start.

I seem to remember that John Major's government took longer to really cock up than this one.

Gove, Osborne and Fox are amazingly accident prone, before they have actually done anything.

Then there are the undead (IDS, Redwood and Hague -he actually manages to look good in comparison to the rest, which is saying something).

Then there is the Deputy PM...

A post that was created as a sop to Heseltine's ego, and then given to Prescot to keep him within the tent.



</Vent>
The cabinet seems to be filled with the Tory equivalent of Jeff Hoon.

My hypothesis is that tax avoidance in individuals is worsened by the sense that people don't get value for money from paying their taxes. How does the UK rate of avoidance compare to other countries? Particularly interesting if its not directly correlated with tax rates.

Corporations are a different kettle of fish as its their responsibility to maximise their profits regardless. Attractive tax regimes however are part of the reasons why companies locate in any given country.

I'm pondering whether corporations should be taxed at all or whether income tax would be a better tool?
 
If you think it's meaningless check out whats happening in Latvia. If politicaly you are remotely to the left of the neocons the ability to tell the EU to get stuffed is one you will cherish.


It is meaningless since the government and parliament already have the power - it is nothing but a costly sop to the europhobic in the Tory party.
 
It is meaningless since the government and parliament already have the power

Probably. But without a dirrect statute there is the risk that the courts might not agree.
 
I happy to continue this but if we do so you are going to have to refrain from the suggestion that I don't know what I am talking about when it comes to my personal situation, my area and my neighbours. We might have different experiences and we might see things differently but you'll have to come off your high horse and accept that what I see with my own eyes is just as valid as what you see with yours. Please don't try to suggest I am unfamiliar with unemployment or that I live in some ivory tower and have never experienced an area of high unemployment.

So how do you apply for invalidity and disability benefits? How often are they they reviewed? How is the decision taken: how do appeals work and with what success? The fact is that you have not shown any indication that you know what you are talking about. This is not a matter of opinion: it is a matter of fact. Read Prof Yaffle's post above. It is the tip of the iceberg. Read Delscottio's post above: he worked in DWP and strangely enough his experience also differs from you anecdotal certainties. What is the rate of unemployment where you live?

Nor should you paint me as the privileged middle class trying to take crumbs from the table of the poor.

If that is how you read my posts then that is fair enough. I don't think you are trying to take crumbs from the table of the poor: I do think you imagine you are in some way done down, and I don't think you are any more than anyone else. I don't like the system we have. I don't like what it does to people and I don't like what it does to society. And that includes you. You, on the other hand, seem to think that you are specially harshly treated. I don't much admire that. Experiencing this system and realising it is not the safety net we should have is one thing: whining that it is not the safety net that you should have is quite another.

As for how someone on benefit can live to the same standard as me..well perhaps you should ask them?

Yeah. I can ask the mare where she built her nest while I am at it


Or perhaps we can look at some rough maths and say someone on 45k a year will lose about 15k in tax and NI right off the mark.


Around 12K, actually


So we have 30k take home.

£32,800 roughly



Say 6 goes on rent/mortgage.


Seems reasonable

1.5k goes on council tax.

Fancy house, but ok


Maybe another 5k a year on transportation costs to get to work?

It is high, but ok

A sensible person will also maybe put 5% into their pension... there goes another 2.5k

If you don't have a pension through your work that may well be reasonable: No idea, really, but ok

oh and you should probably save some of your income so you don't have to live on 65 quid a week if you get made redundant? Maybe 10-15%? So 5-7k saved to be sensible.

Er...no. That is not a cost: it is something you choose to do with your money. It is still your money and so you cannot legitmately deduct this. I am sure you can see why.


Then there are little incidental things that add up like having to buy work clothes, work shoes, etc

Everybody has to wear clothes, so no, again. If you like I will let you add a little for this but not much


.. means you have about 7-8k a year in disposable income if you are being sensible. Roughly 125-150 quid a week - its not unthinkable that a couple on benefits are taking that home and more is it? It's actually pretty common isn't it?

As you see, I do not accept your figures. In fact you have much nearer to £17,800 disposable income, on your own numbers. £342 per week.

This compares with £102 for a couple on Income based JSA: £5,300 per year

National minimum wage is £5.93 per hour from this month. That is £237 per week and the take home pay is £10,427. they will get help with rent and council tax and I have done a rough calculation: they will get £43 pw to the rent and £3 to the council tax: leaving them to pay £3760 for rent and £1344 for council tax. Disposable income is now £5325.

They will get about £1150 in tax credit so they now have £6470: they have not yet "sensibly" bought a pension but I suppose they will just be feckless about that: and they haven't paid any travel costs either. Let us imgine they can travel for £5 a day and so travel to work comes in at about £1000 a year. They have £5470 a year disposable income. And that is what you call a benefit trap: they are working full time for £150 a year.

£5470 a year is £105 per week. How much do you pay for heat and light? for food? You will know very precisely because you have reduced your outgoings to come in under this figure for disposable income. I could not manage on it for any length of time. I really don't know how you run a car on that.

I don't have time now to address the rest of your post, but I will come back to it if you like
 
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So how do you apply for invalidity and disability benefits? How often are they they reviewed? How is the decision taken: how do appeals work and with what success? The fact is that you have not shown any indication that you know what you are talking about. This is not a matter of opinion: it is a matter of fact. Read Prof Yaffle's post above. It is the tip of the iceberg. Read Delscottio's post above: he worked in DWP and strangely enough his experience also differs from you anecdotal certainties. What is the rate of unemployment where you live?



If that is how you read my posts then that is fair enough. I don't think you are trying to take crumbs from the table of the poor: I do think you imagine you are in some way done down, and I don't think you are any more than anyone else. I don't like the system we have. I don't like what it does to people and I don't like what it does to society. And that includes you. You, on the other hand, seem to think that you are specially harshly treated. I don't much admire that. Experiencing this system and realising it is not the safety net we should have is one thing: whining that it is not the safety net that you should have is quite another.



Yeah. I can ask the mare where she built her nest while I am at it





Around 12K, actually




£32,800 roughly






Seems reasonable



Fancy house, but ok




It is high, but ok



If you don't have a pension through your work that may well be reasonable: No idea, really, but ok



Er...no. That is not a cost: it is something you choose to do with your money. It is still your money and so you cannot legitmately deduct this. I am sure you can see why.




Everybody has to wear clothes, so no, again. If you like I will let you add a little for this but not much




As you see, I do not accept your figures. In fact you have much nearer to £17,800 disposable income, on your own numbers. £342 per week.

This compares with £102 for a couple on Income based JSA: £5,300 per year

National minimum wage is £5.93 per hour from this month. That is £237 per week and the take home pay is £10,427. they will get help with rent and council tax and I have done a rough calculation: they will get £43 pw to the rent and £3 to the council tax: leaving them to pay £3760 for rent and £1344 for council tax. Disposable income is now £5325.

They will get about £1150 in tax credit so they now have £6470: they have not yet "sensibly" bought a pension but I suppose they will just be feckless about that: and they haven't paid any travel costs either. Let us imgine they can travel for £5 a day and so travel to work comes in at about £1000 a year. They have £5470 a year disposable income. And that is what you call a benefit trap: they are working full time for £150 a year.

£5470 a year is £105 per week. How much do you pay for heat and light? for food? You will know very precisely because you have reduced your outgoings to come in under this figure for disposable income. I could not manage on it for any length of time. I really don't know how you run a car on that.

I don't have time now to address the rest of your post, but I will come back to it if you like

Fiona, as I hope you read I am well aware that legitimate people who should be on invalidity and disability don't get it. The system is broken. However, there are also people who shouldn't be getting it who do. The system is broken. The fact that it is regularly checked doesn't mean people who shouldn't be getting it aren't. Tax is regularly checked too, but not everyone pays their taxes.

If you think I am making myself out to be a special deserving case then you've misunderstood my point. My point was that the system doesn't produce the outcomes it should be producing for anyone or for the country. Nor do I think its fair, reasonable or sustainable to keep asking people to put their hands in their pockets more and more to fund a system that doesn't benefit them. The tax burden in the UK is over 40% on average, exactly how much does the government need to deliver decent services to everyone? Pay more tax is not the answer, it's like filling a leaky bucket when the system is broken.

On the wage calc, small points:

1. I'll give you the 12.5k on tax, I was doing rough calcs.
2. 1.5k is not a fancy house, it does include water rates in Scotland though
3. Most people don't have non-contributory pensions anymore. Certainly I haven't.
4. Work clothes are different to day to day clothes for most people. If I didn't work I don't think I would own a suit, certainly not more than one for example.
5. Your minimum wage calculation is fine but irrelevant. I'm not arguing that the minimum wage is right or wrong. Your conclusion that people are working for 150 a year does however demonstrate where our logics part ways. You make the assumption that people should be entitled to benefit in perpetuity and therefore working should be something that is additional to it. I argue that benefits should be temporary and therefore working is what you need to do eventually regardless of whether its the same as benefits or not. I don't think people have the right to say they don't want to work because its not worth their while.

But the big point is the one you won't give me. People who are sensible and make sound financial plans WILL SAVE A PERCENTAGE OF THEIR SALARY. Yes, its a choice. It's a choice not to be wholly reliant on state aid should bad things happen. A choice that people who are wholly reliant on state aid have no need to make. We are talking lifestyle here not earnings.

This was my whole argument and the fact you have dismissed it in one line means either you didn't get it or I didn't explain it well. The system as it stands does not encourage people to make sound financial planning decisions. It encourages people (poor, middle class and rich) to spend everything they have and in fact punishes you for saving. It encourages people to max themselves out on mortgages, credit and loans they can't afford and then when it all goes boobs to the sky people look at it amazed that somehow that wasn't a good idea. Then the people who managed to save a bit and didn't spunk their money away are asked to pay more again and again to sort out the mess that other people got themselves into because... well they can.

We seem to have lost the sense of personal responsibility and it seems to have come partly with the expansion of the 'nanny state' coupled with rampant consumerism and media telling people they deserve to have everything their neighbours do. There is no sense of living within your means.

So the people that do get punished. That goes for the poor the middle class and the rich.

Some fundamental questions that I think underpin some of our disagreements.

1. Do you believe a person has the right to a certain standard of living and that the state has an obligation to provide that in perpetuity?If so why?

2. Is there justification for national minimum wage to be less than people can receive on benefits? Or put it another way, should anyone on benefits be getting more than national minimum wage. If so, why?

3. What is the basic purpose of the welfare state as you see it?

4. Should people receive in proportion to their need, in proportion to their contribution, at a flat rate regardless or in some other way?
 
Can someone explain what is going to happen with Housing Benefit? What's the cut-off going to be?
 
Can someone explain what is going to happen with Housing Benefit? What's the cut-off going to be?

The cut-off is going to vary depending on where you live. As I understand it t the moment they figure out what the allowance will be based on the median of rents in your area for that type of property. So if for example you live in Kendal, at the moment the median rent for a 2 bedroom flat is about £125.

Note that this is not an average: they calculate this by writing out all the prices then picking the one in the middle.

What they're going to do is to change this from picking the one in the middle to picking the one that is 30% along the way. So for Kendal instead of paying out £125 for a 2 bedroom flat, they're going to be paying out £115. That's an extra £10 a week you have to find for yourself.

This is important, because Kendal is a very nice place and we don't want it cluttered up with more poor people than are necessary to run the teashops, so anything that discourages them from living there is an useful change.

From memory it's up to a maximum of £290 a week for a 2 bedroom property and £400 for a 4 bedroom house.

That is just the first of a tranche of changes being made to housing benefit. It will only affect something like 14,000 households. The other changes are going to affect virtually everyone who claims it.

Edit: Those Housing Benefit changes in full

Edit again: a summary of the possible effects
 
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...snip...

What they're going to do is to change this from picking the one in the middle to picking the one that is 30% along the way. So for Kendal instead of paying out £125 for a 2 bedroom flat, they're going to be paying out £115. That's an extra £10 a week you have to find for yourself.

...snip...

At least for the first year, after that if you are still unemployed the amount you will receive is 90% of the assessed amount. Because after all it is entirely fair* that someone who has obviously chosen the lifestyle of living it up on benefits, you know running a car, 2 foreign holidays a year, designer clothes, should cough up a bit from their JSA towards the rent.

Have to say I think we are missing a trick here - since all these scroungers manage to have such extravagant lifestyles on their £65 or £55 a week benefit they should be employed to run the country's finances - imagine the lifestyle we all could have!



*fair - using the Tory definition - "they aren't deserving"
 
Any answers to my question?:

What should be the minimum guaranteed household income?

Hey I'm not in power - I can be vague!

It is a good question but I don't think you can even start to make such a call before we (as society or just us in this thread) know what kind of society we want.
 
Because after all it is entirely fair* that someone who has obviously chosen the lifestyle of living it up on benefits, you know running a car, 2 foreign holidays a year, designer clothes, should cough up a bit from their JSA towards the rent.
*fair - using the Tory definition - "they aren't deserving"
These dole scroungers need to be enterprising like Raymond Scott
 

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