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General Discussion >> Federal Politics >> Why does the government reward bludgers? http://www.ozpolitic.com/forum/YaBB.pl?num=1394703843 Message started by TheGreenLight on Mar 13th, 2014 at 7:44pm |
Title: Why does the government reward bludgers? Post by TheGreenLight on Mar 13th, 2014 at 7:44pm
I turn 65 soon, and i am not entitled to receive a pension. I have saved all my life, and apparently too much, I can live off of the money and Super that I have saved over the years. I know people who have blown all of their money, or at least a lot of it, and they get $20,000 a year from the taxpayer, and I get bigger all. Both sides do this, Labor and the Coalition. Why is this? Where is the incentive to save, where is the incentive to be prudent and wise with your money? Why do we reward those who waste their money? bugger I have completely lost it with all sides of politics in this country.
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Title: Re: Why does the government reward bludgers? Post by dsmithy70 on Mar 13th, 2014 at 8:31pm TheGreenLight wrote on Mar 13th, 2014 at 7:44pm:
And yet you get a decreased tax rate on super payments. You can earn 50K a year and still recieve the health care card regardless if you recieve 100K from super investments as thats not means tested. But yeah you get nothing. Your full of crap or have won the money because you obvilously haven't been bothered to look into your entitlements COVERED BY THE TAXPAYER. |
Title: Re: Why does the government reward bludgers? Post by TheGreenLight on Mar 13th, 2014 at 8:40pm Dsmithy70 wrote on Mar 13th, 2014 at 8:31pm:
Full of crap, you say? Why am I not entitled to the age pension, when a bloke that I know who lived well beyond his means is? How is that any fair? I was livid when told that I didn't qualify. What was the point of me saving my money? I thought that both sides of government were trying to encourage people to save their money? Funny way of showing it. >:( |
Title: Re: Why does the government reward bludgers? Post by Aussie on Mar 13th, 2014 at 8:41pm TheGreenLight wrote on Mar 13th, 2014 at 7:44pm:
All good points, but I'm not so sure about people wasting their money etc. You, like me, are one of the Baby Boomers. There are zillions of us and we are causing a transitional nightmare. Few of us have meaningful 'super,' because it was not compulsory when we were making any worthwhile money. It was only later in our working life that the 'super' came along, so we are behind the eight ball......with Super. Only one other alternative, which is the Aged Pension. |
Title: Re: Why does the government reward bludgers? Post by Setanta on Mar 13th, 2014 at 8:47pm TheGreenLight wrote on Mar 13th, 2014 at 7:44pm:
What of those that couldn't put any aside because they were never paid enough to? Yep, they blew all their money because they had no choice, saving or eating, tough choice. If you could save enough that you don't get the pension, thank your lucky stars you were not on minimum wage for your working life. How about you donate all your savings and property to charity, then you can try and live on 20k a year paying rent. My heart bleeds for you. :'( |
Title: Re: Why does the government reward bludgers? Post by TheGreenLight on Mar 13th, 2014 at 9:01pm
[ftp][/ftp]
Aussie wrote on Mar 13th, 2014 at 8:41pm:
I understand where you're coming from, but let me give you an example. A bfriend of mine and i earned roughly the same amount of money all our lives. He had to have the best of everything. Every time we'd go out for lunch or dinner he'd order one of the most expensive meals on the menu. He wasted his money like it was going out of his fashion, and hardly saved a dime. I scrimped and saved all my life, when I was married and when I was single. Now that he's blown his, he is entitled to taxpayer money at the rate of $20,000 a year. I am entitled to stuff all. |
Title: Re: Why does the government reward bludgers? Post by ImSpartacus2 on Mar 13th, 2014 at 9:02pm TheGreenLight wrote on Mar 13th, 2014 at 8:40pm:
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Title: Re: Why does the government reward bludgers? Post by TheGreenLight on Mar 13th, 2014 at 9:02pm Setanta wrote on Mar 13th, 2014 at 8:47pm:
Missing the point. If you want to see it, refer to my previous answer. |
Title: Re: Why does the government reward bludgers? Post by TheGreenLight on Mar 13th, 2014 at 9:03pm ImSpartacus2 wrote on Mar 13th, 2014 at 9:02pm:
Another one missing the point. |
Title: Re: Why does the government reward bludgers? Post by dsmithy70 on Mar 13th, 2014 at 9:12pm
Like our treasurer says
The age of entitlement is over You want the pension so bad, blow all your savings travelling and buying usless crap this year and you can line up next year. Just don't come back whining it a choice between buying the electricity bill or eating next winter. Your parents would be ashamed of your attitude. |
Title: Re: Why does the government reward bludgers? Post by Setanta on Mar 13th, 2014 at 9:13pm TheGreenLight wrote on Mar 13th, 2014 at 9:01pm:
You have it better than your friend now, you don't get what he gets because you do not need it. Welfare is supposed to be needs based. Sure, have a thorn in your toe, but would you really trade places with him now? Perhaps you want him to suffer a bit, guaranteed on the OAP he will be, it's not cream. As Aussie said, super was not even there for most people, it only came in, introduced by Labor as a trade off to wage rises, in 1991?(I think) so most people, unless they were pretty well off had a well justified expectation that the pension would look after them. That's not the case, the OAP sucks and is barely liveable if you are married and pay rent, if you are single I hope the bridges in your area are not too drafty. Think about all those not like your friend.. And why didn't you tell him off back then and tell him he was a bludger. |
Title: Re: Why does the government reward bludgers? Post by Setanta on Mar 13th, 2014 at 9:21pm TheGreenLight wrote on Mar 13th, 2014 at 9:03pm:
OK, what is the point? Everyone should get it? Let's have a Guaranteed National Income that everyone gets from 18 onwards that you collect till you die. Would you be prepared to pay the taxes whilst working to support it? Welfare is needs based, get over it or donate away what you have and live like a pauper on the OAP. |
Title: Re: Why does the government reward bludgers? Post by john_g on Mar 13th, 2014 at 9:28pm
I couldn't agree more with the OP.
But GreenLight, don't expect the idiots on here to realise the logic that you demonstrated. I know all too well about cases like this. |
Title: Re: Why does the government reward bludgers? Post by john_g on Mar 13th, 2014 at 9:29pm Setanta wrote on Mar 13th, 2014 at 9:21pm:
Needs based? Like the Polly superanniation schemes? |
Title: Re: Why does the government reward bludgers? Post by Setanta on Mar 13th, 2014 at 9:32pm john_g wrote on Mar 13th, 2014 at 9:29pm:
Lol, you think I agree with polly super? Put them on the same standards as everyone else. Polly super does not come under "welfare". Lucky for them Costello made sure they will be fine with his "Future Fund". Why else do you think he did it? I personally think they should open the fund to OAPs rather than just public servants or pollies should make do with the OAP, WHEN they turn retirement age like everyone else. |
Title: Re: Why does the government reward bludgers? Post by Bam on Mar 13th, 2014 at 11:16pm TheGreenLight wrote on Mar 13th, 2014 at 7:44pm:
Thank you for your post, it was interesting. It's not mythical "bludgers" being rewarded, it's more that both sides of politics unfairly penalise saving with boneheaded policies. Let me give you another example. Imagine two people on similar incomes and similar household expenses. The first person spends all their money week to week and then loses their job. They would gain access to Newstart after a minimal waiting period. The other person lives more frugally, saves spare money, perhaps buys some shares, and then loses their job. Centrelink would slug them with hefty waiting periods before they get anything because they have "liquid assets". This infamous liquid assets test has had much the same thresholds it had in 1997. Why is spending rewarded and saving money penalised? Where's the incentive to save? |
Title: Re: Why does the government reward bludgers? Post by Bam on Mar 13th, 2014 at 11:18pm
Dear forum thread, please flip the page, and next time, please count the posts in the thread more carefully.
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Title: Re: Why does the government reward bludgers? Post by Psycho analist on Mar 13th, 2014 at 11:27pm
Zeez people's seem to have some kind of entitlement derangement syndrome. I zink zere should be some massive medications dispensed to many people's on zis forum.
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Title: Re: Why does the government reward bludgers? Post by Setanta on Mar 13th, 2014 at 11:42pm Psycho analist wrote on Mar 13th, 2014 at 11:27pm:
Reinhart Syndrome? |
Title: Re: Why does the government reward bludgers? Post by Karnal on Mar 13th, 2014 at 11:44pm
Yes, but you wish to help zeez people, Psycho. It’s in your hypocritic oath, no?
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Title: Re: Why does the government reward bludgers? Post by Psycho analist on Mar 13th, 2014 at 11:47pm
Already I have two patients, yayz. I vill make sure you are finely medicated. Itz must be done sooner rather zan later. Too longs haz zis delusionalism gone on unabateds.
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Title: Re: Why does the government reward bludgers? Post by Karnal on Mar 13th, 2014 at 11:55pm
Surely there’s nothing wrong with a little unabateds, Doktor. We all do it.
I’m saving mine for afternoon tea. FriYay always comes prepared with a biscuit. I prefer to use a purse, but that’s just me. |
Title: Re: Why does the government reward bludgers? Post by Psycho analist on Mar 14th, 2014 at 12:11am Mattyfisk wrote on Mar 13th, 2014 at 11:55pm:
Oh noes Carnal, unabateds iz very bad. Itz leads to much frivolously delusionism thatz cans cause much harm. No, medication must be started. |
Title: Re: Why does the government reward bludgers? Post by Karnal on Mar 14th, 2014 at 12:17am
Good heavens, the last physician told me it simply had to be done. You know, for medical reasons.
I do hope he didn’t take advantage of me, Doktor. I’m quite fragile at the best of times. Old war wound, you see. |
Title: Re: Why does the government reward bludgers? Post by Psycho analist on Mar 14th, 2014 at 12:24am Mattyfisk wrote on Mar 14th, 2014 at 12:17am:
Zats vot happens ven you use government doktors. You should come to my couch vere you vill get ze proper treatment and ze right injections. |
Title: Re: Why does the government reward bludgers? Post by Setanta on Mar 14th, 2014 at 12:38am Psycho analist wrote on Mar 14th, 2014 at 12:24am:
Yeah right, "injections"... Not a pervert that seeks to use your position to take advantage are you mister analist? ;D Or is it only the bill that makes 'em bend over? ;) |
Title: Re: Why does the government reward bludgers? Post by Psycho analist on Mar 14th, 2014 at 12:41am
You sound like you need analizing mr sultanas. I suggest tomorrow afternoon at 4pm on my couch, yes?
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Title: Re: Why does the government reward bludgers? Post by Setanta on Mar 14th, 2014 at 12:48am Psycho analist wrote on Mar 14th, 2014 at 12:41am:
Nah, be buggered if I'll turn up! ;D |
Title: Re: Why does the government reward bludgers? Post by Psycho analist on Mar 14th, 2014 at 12:52am Setanta wrote on Mar 14th, 2014 at 12:48am:
Zat is such a shame. My course is very good for the, ah, soul. |
Title: Re: Why does the government reward bludgers? Post by Karnal on Mar 14th, 2014 at 12:54am Psycho analist wrote on Mar 14th, 2014 at 12:24am:
Beef, or... ? |
Title: Re: Why does the government reward bludgers? Post by Setanta on Mar 14th, 2014 at 12:56am Psycho analist wrote on Mar 14th, 2014 at 12:52am:
Lol, I seriously laughed out loud at that.. Well said. Although I would have rolled on the floor if you said "injections" rather than "course". I'll give it a miss butt I hear there are others that might like the thought of "taking you up" on the offer. |
Title: Re: Why does the government reward bludgers? Post by Setanta on Mar 14th, 2014 at 12:58am
flippin' forum!
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Title: Re: Why does the government reward bludgers? Post by Psycho analist on Mar 14th, 2014 at 1:01am Mattyfisk wrote on Mar 14th, 2014 at 12:54am:
No no, ze mad cow disease put an end to all zat. Now vee only use zat injections zat have been approved by Putin in Russia ze great motherland. If zere are any problems you vill be looked after very vell and flown back to the motherland to our special facilities in Siberia vere the vodka vill flow freely around your brain in the bottle...I mean the vodka in zee bottle vill flow freely and vee vill fix your brain. |
Title: Re: Why does the government reward bludgers? Post by Setanta on Mar 14th, 2014 at 1:11am Psycho analist wrote on Mar 14th, 2014 at 1:01am:
I think Karnal meant beef, or you take your own advice or after. |
Title: Re: Why does the government reward bludgers? Post by Psycho analist on Mar 14th, 2014 at 1:20am
It iz verse zan I thought. Zere seems to be some kind of dyslexic sentence structure as another symptom. You must come to my couch. I zink I should have a Carnal-Sultana couch sandwich to try and analize you both at ze same time.
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Title: Re: Why does the government reward bludgers? Post by Winston Smith on Mar 14th, 2014 at 1:20am
Another rubbish thread that we need to be ignoring.
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Title: Re: Why does the government reward bludgers? Post by Setanta on Mar 14th, 2014 at 1:23am Winston Smith wrote on Mar 14th, 2014 at 1:20am:
You could have just said, grow up will you! OK. It was fun but I'm out for the night. :'( |
Title: Re: Why does the government reward bludgers? Post by Psycho analist on Mar 14th, 2014 at 1:23am Winston Smith wrote on Mar 14th, 2014 at 1:20am:
And how long has you been givings advice zat you ignore? D I need to make room on my couch or vill you need a one on one analization? |
Title: Re: Why does the government reward bludgers? Post by Winston Smith on Mar 14th, 2014 at 1:41am Psycho analist wrote on Mar 14th, 2014 at 1:23am:
I think I've already guessed which foot this sock belongs to. :) |
Title: Re: Why does the government reward bludgers? Post by miketrees on Mar 14th, 2014 at 2:48am
I think I understand the point of this thread.
All of politics revolves around the word "fair" People cling to the word fair with righteous indignation. The left claim its fair for everyone to have equal outcomes While the right claim its fair to be rewarded for effort. I think its a fair chance your view is going to depend on your circumstance and self interest. We could change a lefty into a righty by giving them some an asset. (Liberal master plan) We can change a righty to a lefty by taking their money then offering them welfare. (labors master plan) |
Title: Re: Why does the government reward bludgers? Post by Winston Smith on Mar 14th, 2014 at 3:14am miketrees wrote on Mar 14th, 2014 at 2:48am:
There's no such thing as a 'Lefty' or a 'Righty'. In reality, we all know what's fair and what isn't. Subscribing to 'Lefty' or 'Righty' thinking, is an exercise in deliberate self delusion. It's a deferral of conscience, in order to take the path of least resistance. Or a deliberate obfuscation, in the service of vested interests. It's a completely disingenuous charade. |
Title: Re: Why does the government reward bludgers? Post by Spot of Borg on Mar 14th, 2014 at 4:37am TheGreenLight wrote on Mar 13th, 2014 at 7:44pm:
If you have enough money to not be entitled to the pension then you musty have enough money to live on and not need it. SOB |
Title: Re: Why does the government reward bludgers? Post by Spot of Borg on Mar 14th, 2014 at 4:40am Aussie wrote on Mar 13th, 2014 at 8:41pm:
There are not "zillions" of baby boomers. In fact the whole "baby boomer" thing is propaganda. There are just lots more ppl and the governments squandered our money and sold off the things that made money (electricity, post office, telecom etc). SOB |
Title: Re: Why does the government reward bludgers? Post by Spot of Borg on Mar 14th, 2014 at 4:41am TheGreenLight wrote on Mar 13th, 2014 at 9:01pm:
He enjoyed life while you did not? Seriously - you want to live on 20k a year? He hasnt got the best of everything now. SOB |
Title: Re: Why does the government reward bludgers? Post by ImSpartacus2 on Mar 14th, 2014 at 5:55am
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Title: Re: Why does the government reward bludgers? Post by ImSpartacus2 on Mar 14th, 2014 at 5:55am Sir Spot of Borg wrote on Mar 14th, 2014 at 4:40am:
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Title: Re: Why does the government reward bludgers? Post by TheGreenLight on Mar 14th, 2014 at 6:49am Sir Spot of Borg wrote on Mar 14th, 2014 at 4:41am:
Why can't anyone but john_g grasp the point of this thread? It's not that I need the money, it's the whole principle of the situation. If he squandered his money, why should the taxpayer fork out $20,000 a year, and give the prudent people like me, not a cent? |
Title: Re: Why does the government reward bludgers? Post by Spot of Borg on Mar 14th, 2014 at 7:07am TheGreenLight wrote on Mar 14th, 2014 at 6:49am:
Because "prudent" ppl like you dont need it. Thing is - you must have a heck of a lot to not get anything. SOB |
Title: Re: Why does the government reward bludgers? Post by BlOoDy RiPpEr on Mar 14th, 2014 at 7:44am
Its a bit like my parents, they both worked all their lives 7 days a week both in their 70's, things like family holidays never happened because they had to work all year round. now and cant receive a pension. My father still works and my mum just retired for the third time due to health reasons.
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Title: Re: Why does the government reward bludgers? Post by miketrees on Mar 14th, 2014 at 8:15am
There's no such thing as a 'Lefty' or a 'Righty'. In reality, we all know what's fair and what isn't. Subscribing to 'Lefty' or 'Righty' thinking, is an exercise in deliberate self delusion. It's a deferral of conscience, in order to take the path of least resistance. Or a deliberate obfuscation, in the service of vested interests. It's a completely disingenuous charade.
Thanks Whinny the Poo you demonstrated my point brilliantly. Everybody thinks they know what fair is. |
Title: Re: Why does the government reward bludgers? Post by Winston Smith on Mar 14th, 2014 at 10:18am miketrees wrote on Mar 14th, 2014 at 8:15am:
What you're alluding to, isn't about fairness. |
Title: Re: Why does the government reward bludgers? Post by mozzaok on Mar 14th, 2014 at 1:27pm Setanta wrote on Mar 13th, 2014 at 8:47pm:
LMAO Very, very well said Setanta. You have to love folks who most likely pilloried any and all getting any type of government benefit, now blowing their stack, because they have too much money to get a full pension themselves. Solid Gold. |
Title: Re: Why does the government reward bludgers? Post by mantra on Mar 14th, 2014 at 2:09pm
There are plenty of self funded retirees who are on a full pension as long as the interest they earn from their investments doesn't exceed $80,000 a year. This is very generous considering the state of the economy.
If you exceed an income of $80,000 - the pension is reduced accordingly. If you have no need for the pension - why would you want it? Your taxes over the years would probably have paid for your children's education and medical care for your whole family. If any of your immediate family were unemployed or sick - then your taxes would also have contributed to their welfare benefits. Australia has become a very greedy place. We want everything for nothing. |
Title: Re: Why does the government reward bludgers? Post by Neferti on Mar 14th, 2014 at 3:10pm mantra wrote on Mar 14th, 2014 at 2:09pm:
You have absolutely no idea, do you? You are just regurgitating nonsense, as usual. Here, take a look for yourself. http://www.humanservices.gov.au/customer/themes/older-australians |
Title: Re: Why does the government reward bludgers? Post by Kat on Mar 14th, 2014 at 3:34pm mantra wrote on Mar 14th, 2014 at 2:09pm:
And if it's at the expense of someone who's genuinely needy, then so much the better. Especially if it's single parents and/or the unemployed. >:( >:( >:( >:( >:( >:( >:( >:( |
Title: Re: Why does the government reward bludgers? Post by mantra on Mar 14th, 2014 at 3:56pm Neferti wrote on Mar 14th, 2014 at 3:10pm:
Yet another personal attack! If you think I'm incorrect - and self funded retirees can't earn $80,000 pa and still collect a pension - please provide the evidence? Your link proves nothing. |
Title: Re: Why does the government reward bludgers? Post by pansi1951 on Mar 14th, 2014 at 4:09pm |
Title: Re: Why does the government reward bludgers? Post by woody2013 on Mar 14th, 2014 at 4:22pm mantra wrote on Mar 14th, 2014 at 3:56pm:
The amount of part Age Pension you receive is not only based on the assets you have. It is also determined by your income. For each dollar of income you receive over the income limit, which is currently $268 for a couple combined, your pension will be reduced by 50 cents. In terms of the asset limit, your Age Pension is reduced by $1.50 for every $1000 over a certain threshold, until you reach the disqualifying amount. You will need to speak with a Centrelink Financial Information Services officer to ascertain what your payment rate will be. As self-funded retirees, if you do not qualify for an Age Pension, you may be entitled to a Commonwealth Seniors Health Card (CSHC), which will give you access to concessions on pharmaceuticals, medical services, transport to name but a few. Also, as holders of a CSHC, you may also be eligible for a Seniors Supplement to assist with household bills. maybe this will help |
Title: Re: Why does the government reward bludgers? Post by mantra on Mar 14th, 2014 at 4:23pm Ex Dame Pansi wrote on Mar 14th, 2014 at 4:09pm: This is true, but it's not the philosophy of most conservative governments. They're doctrine is survival of the fittest and elimination of the weak. There's no chance of Australia remaining civilised while a neo-conservative government is in power. Civilised....bring (a place or people) to a stage of social development considered to be more advanced. |
Title: Re: Why does the government reward bludgers? Post by mantra on Mar 14th, 2014 at 4:27pm woody2014 wrote on Mar 14th, 2014 at 4:22pm:
That's a little ambiguous, although thanks for the info. It doesn't say specifically what the "certain threshold" is. The figure I provided has appeared fairly regularly in the media based on a couple with an income from investments. I don't think the family home is included in the threshold. |
Title: Re: Why does the government reward bludgers? Post by woody2013 on Mar 14th, 2014 at 4:30pm mantra wrote on Mar 14th, 2014 at 4:27pm:
family home is not included but the family farm can be included >:( |
Title: Re: Why does the government reward bludgers? Post by woody2013 on Mar 14th, 2014 at 4:32pm mantra wrote on Mar 14th, 2014 at 4:27pm:
family home not included family farm can be included |
Title: Re: Why does the government reward bludgers? Post by mantra on Mar 14th, 2014 at 4:38pm woody2014 wrote on Mar 14th, 2014 at 4:30pm:
That seems a little unfair - the family farm is usually the family home for generations. Perhaps if the farm is very prosperous - it's thrown into the mix, although so should those homes worth $1 million plus. I read somewhere that all family homes over a certain market price are going to be included soon, so if you can afford to - it's better to stay away from Centrelink altogether. This is a Coalition initiative. |
Title: Re: Why does the government reward bludgers? Post by woody2013 on Mar 14th, 2014 at 4:41pm mantra wrote on Mar 14th, 2014 at 4:38pm:
haven't heard that yet. Luckily to family farms and two sons ;) ;) ;) |
Title: Re: Why does the government reward bludgers? Post by mantra on Mar 14th, 2014 at 5:37pm woody2014 wrote on Mar 14th, 2014 at 4:41pm:
Don't get too comfortable. One government or another will eventually reintroduce death duties to bring in more revenue. |
Title: Re: Why does the government reward bludgers? Post by bobbythebat1 on Mar 14th, 2014 at 5:48pm TheGreenLight wrote on Mar 13th, 2014 at 7:44pm:
Life is full of injustices & there are millions of stories just like yours. Unfortunately the Govt. is broke so they have introduced unfair rules to try & reduce their costs. Right now they are paying public servants & social security with borrowed money. We'll end up like Greece before long. |
Title: Re: Why does the government reward bludgers? Post by hawil on Mar 14th, 2014 at 6:28pm TheGreenLight wrote on Mar 13th, 2014 at 7:44pm:
Please give me your opinion on this letter to Penny Wong, because she would not answer. To the Hon.P Wong MP PO Box 6237 Halifax Street ADELAIDE SA 5000 12’th March 2013 Dear Ms.Wong. In the AFR article “PM keeps superannuation tax-free for over -60s” 7.Feb 2013 you are quoted as saying: “the government would listen to all ideas”. Here is what the government should look at very seriously. This is how the retirees are treated in Australia. Retiree: 1) Worked for 45 years and paid taxes, but did not accumulate enough assets to be completely independent of the age-pension. For every dollar of extra income for him and his wife above $6,500, the couple loses $0.50 of age pension, and if their income exceeds $45,000 per annum, the couple will pay tax of $0.315 in the dollar including medicare levy, leaving them with an income of $0.185 from every dollar extra income. For the defined benefit income a 10% tax-offset applies if paid from an Australian super fund, but not if the income comes from an overseas fund. Retiree 2) Has accumulated assets of $1.5million,mostly with huge tax concessions, and the assets are in a so-called taxed Self Managed Super Fund. To be very conservative, the assets are in a term deposit earning 7.0% income of $122,500 per annum and even if the retiree is single, he/she will not pay a cent of tax. Now if the assets are in fully franked shares, like banks, and return $100,000 worth of franked dividends, he/she will again pay no tax on the dividend, and the government will send him/her a cheque of $30,000 for the franking credits. Should the assets of these retirees fall below a certain level, they will be entitled to the age pension as anyone else, therefore why does the government provides the rich retirees with such huge tax concessions, while punishing the retirees at the lower income scale with the punitive means-test of the age pension? Retiree 3) Is an ex-politician or highly paid public servant, in receipt of a defined benefit pension of $100,000, on which he/she will have to pay tax, but he/she gets a 10% tax offset, which equals $10,000 after reaching retirement age, but before retiring, the public servant can establish a SMSF and contribute into it extra with tax concessions if the $25,000 total for under fifty and $50,000, if over fifty is not exceeded and in addition he/she can contribute $150,000 from after tax income, and the earnings from the SMSF will only attract 15% tax, and when the person reaches the age of 60 even the income will be completely tax-free for the SMSF. Retiree’s 2) are well represented by the media and the super industry, as well as the Unions, and retiree’s 3) are represented by the government, and ironically by the leadership of various retiree Associations, like ACPSRO and its affiliated Associations, but who represents retiree’s 1) the part- pensioners who are being robbed of a decent standard of living in retirement by the means-test of the age pension. What is the fairest solution; scrap the mean test of the age pension and scrap all tax concessions for super. Will Gillard have the courage and scrap the tax concessions for super and the means test for the age pension. After all Howard introduced the tax-free super in one fell swoop. Is there any other country which treats its citizens in such a discriminatory manner? I would like to refer you to two recent articles; 1st) AFR ,Dec 8-9. 2012 by Brian Toohey, “Compulsory super makes little sense. 2nd)AFR 13.Feb 2013 by Alison Kahler, “Don’t put super over the national good. Recently there was a lot written about changes in super, which now seems to have disappeared, because the super industry and the Unions seem to be secure that the government will not make any drastic changes to the tax concessions for super. Last year, a record number of Australians travelled to other countries, a drain on the Australian economy, and many of the travellers were probably self-funded retirees, who benefit enormously from the tax concessions for super. Yours truly Hawil |
Title: Re: Why does the government reward bludgers? Post by Setanta on Mar 14th, 2014 at 10:03pm
Interesting letter. I will definitely will look and think about what you are saying. On the face of it, and I have no reason to doubt you, knowing how OAP recipients(1) are treated regarding income and the breaks the well off get, I think it's a question that needs addressing. Pity you didn't receive a response, the contents of the letter certainly deserved it.
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Title: Re: Why does the government reward bludgers? Post by Andrei.Hicks on Mar 14th, 2014 at 10:10pm
Always found it quite bizarre that people struggle in their retirement.
It's not like turning 65 is a surprise is it? I mean you only had the 40 years to save for it...... |
Title: Re: Why does the government reward bludgers? Post by Setanta on Mar 14th, 2014 at 10:21pm Andrei.Hicks wrote on Mar 14th, 2014 at 10:10pm:
You've made it clear on a number of occasions that you would find it extremely hard to live on 80k@annum. The basic wage is 32k, how much out of that can you put away for your retirement do you think if a frugal person such as yourself could not live on it? You know this yet you continue this ivory tower talk Andrei. Let's not forget when super became compulsory here, 1991 from memory, there's not a lot a minimum wage earner can put away in that time. |
Title: Re: Why does the government reward bludgers? Post by Andrei.Hicks on Mar 14th, 2014 at 10:33pm
If I was living on my own, I could live off $80k quite easily.
What killed me in Australia on a family wage well in excess of that was mortgage, cars, energy bills, kids stuff, flights etc If it were just me, I would breeze on $80k. When I was at college, I lived off $5.50 per hour man. I know what its like down there because I've been there. |
Title: Re: Why does the government reward bludgers? Post by Setanta on Mar 14th, 2014 at 10:47pm Andrei.Hicks wrote on Mar 14th, 2014 at 10:33pm:
If that's the case Andrei, why step on their heads? Many in Australia live on combined incomes of less that 80k. Could your family afford a mortgage on that? The cars they need to get to work to earn it? We have pitiful public transport in most areas. Why if you know what it's like do you continue with the ivory tower crap? Not everyone can be an accountant or some other professional, why should we step on them because of it? Don't they deserve a life however meagre? If you had a handicapped kid would you throw it off of the mount of Taygetos into Kaiada? |
Title: Re: Why does the government reward bludgers? Post by Winston Smith on Mar 15th, 2014 at 12:08am Andrei.Hicks wrote on Mar 14th, 2014 at 10:33pm:
What Andrei means is, if he was living independently of his parents and had a decently paying job rather than relying on Disability Support from Centrelink, he would be able to live off $80k quite easily. ::) :P :) |
Title: Re: Why does the government reward bludgers? Post by The Grappler 2014 on Mar 15th, 2014 at 12:09am
Let me explain it to you.
> I grew up with nothing and have been on my own since I was sixteen and totally broke > I've served this country > I've worked years of eighteen + hour days and endured hazards on a daily basis. > I've endured affirmative action and consequent destruction of career prospects > I've endured two divorces and total asset stripping as a result > I've endured piss poor management that has destroyed companies I've worked with > I've endured an escalating number of disabilities for years - they now total fifteen > I've been kicked around from pillar to post to satisfy every goddamned politically correct idea in our totally lost and confused society > I've never been a criminal - unlike some in government who have delighted in ripping me off repeatedly > I'm 64 - 65 this year and am still working and working on developing a company of my own so no idiot can ruin it. Now - all that said - what part of 'bludger' comes into the fact that I receive around $20k a year and all medicals from the government? |
Title: Re: Why does the government reward bludgers? Post by Winston Smith on Mar 15th, 2014 at 12:11am Grappler Truth Teller Feller wrote on Mar 15th, 2014 at 12:09am:
Dad??? :o :o ;D |
Title: Re: Why does the government reward bludgers? Post by The Grappler 2014 on Mar 15th, 2014 at 12:23am Winston Smith wrote on Mar 15th, 2014 at 12:11am:
Could be - is your last name Smith? (Mine isn't but it's a kind of generic name...) |
Title: Re: Why does the government reward bludgers? Post by The Grappler 2014 on Mar 15th, 2014 at 12:23am
*kick page turner on the shins...
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Title: Re: Why does the government reward bludgers? Post by Winston Smith on Mar 15th, 2014 at 12:29am Grappler Truth Teller Feller wrote on Mar 15th, 2014 at 12:23am:
No Mr Jones, I have McSurname. |
Title: Re: Why does the government reward bludgers? Post by The Grappler 2014 on Mar 15th, 2014 at 12:47am
Nah - wrong one - we don't do Mcs - all are O' or Mac
Time for bed anyway... |
Title: Re: Why does the government reward bludgers? Post by Peter Freedman on Mar 15th, 2014 at 1:13am TheGreenLight wrote on Mar 14th, 2014 at 6:49am:
What "principle"? That the state should provide an income for someone who doesn't need it? Everyone's circumstances are different. People who reach retirement age with few assets or savings have not necessarily frittered them away. GL, why not just be satisfied with your lot, enjoy a comfortable self funded retirement, rather than becoming bitter because you cannot receive an income from the nation that you don't need anyway. |
Title: Re: Why does the government reward bludgers? Post by The Grappler 2014 on Mar 15th, 2014 at 11:41am
I totally agree you fat lazy ghett - in order not to receive a government pension you and your equally fat missus would need to be drawing in $72k a year on top of your obvious assets... if you are single you are dragging in over $47k a year.
You find it hard to live on - if we split that between the pair of you - double what a pensioner gets for a lifetime of toil and often hardship, and out of which you don't farken pay rent - since the figure you give is including rental assistance in a savage market? Try this figure - a pensioner pays $300 a week rent out of that $20k - they are left with how much spending money for food and stuff? Here ya go - $20,000 - 15,600 = $4,400 a year or $84 a week. Double the pension NOW! Take it from the property hoarders and investment hoarders.... |
Title: Re: Why does the government reward bludgers? Post by dave on Mar 15th, 2014 at 1:07pm
The Green Light, this has always been a thorn in my side as well and, as you rightly pointed out, there are many who did waste their money, OS holidays every year, new cars, boats, often while their kids struggled through the public school system.
I have long though about a system that rewards effort, that being one that pays you a pension, based on the amount of taxes you contibuted throughout your working life and, if you managed to save well, then that would be a bonus. Instead, we frown at people like you, and have pity for those who didn't save well. Of cause, i have also had to deal with the tall poppies along the way. In fact, i have a saying, that is, we are all presented with an equal opportunity to fail, its just that some of us choose not to, and to be punished is simply bizzar. My sympathies are with you as although i am about ten years your youth, i too have worked hard, invested all my life, provided rental houses that would simply not have been available without incentives, while providing an A class education for our two now adult children. To think we went without so much, only to be slugged even further is plain wrong. I can remember hearing the saying back in 76 when i commenced work, work hard and strive to be well off and you will be rewarded. Well, nothing could be farther from the truth. There are two causes in my view, one, poor management from our governments, and two, too many hand outs. |
Title: Re: Why does the government reward bludgers? Post by dave on Mar 15th, 2014 at 1:12pm
To the grappler 2014, nominations are now open for the under achievers awards. Care to nominate!
There are many people who are quite happy to sit back and allow someone else to provide for them, even if those provisions are often piss against the wall. surely the very least they can do is be grateful. Its just not in their DNA is it! |
Title: Re: Why does the government reward bludgers? Post by mantra on Mar 15th, 2014 at 1:38pm dave wrote on Mar 15th, 2014 at 1:07pm:
There are too many middle class handouts and tax loopholes for the wealthy - that's for certain, but as far as the rest of your post goes, why would you want government handouts when you don't need them? In regard to all the properties you own for such magnanimous reasons - did you take advantage of negative gearing? If you did - then you got some very healthy handouts. Welfare was originally introduced for a reason - that was to help those people who had little, either through misfortune or mismanagement of their life. Would you prefer those who need an aged pension be thrown into the streets instead to beg for food and shelter? |
Title: Re: Why does the government reward bludgers? Post by bobbythebat1 on Mar 15th, 2014 at 1:40pm TheGreenLight wrote on Mar 13th, 2014 at 7:44pm:
Life is full of injustices & there are millions of stories just like yours. Unfortunately the Govt. is broke so they have introduced unfair rules to try & reduce their costs. Right now they are paying public servants & social security with borrowed money. We'll end up like Greece before long. |
Title: Re: Why does the government reward bludgers? Post by imcrookonit on Mar 15th, 2014 at 1:48pm
Well said Bat, and now they are talking about spending how much $ on defense?. Go figure. :(
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Title: Re: Why does the government reward bludgers? Post by bobbythebat1 on Mar 15th, 2014 at 1:52pm wrote on Mar 15th, 2014 at 1:48pm:
I don't know Crook - other than all done on borrowed money. The debt gets greater every second. It's now over $345 billion. see link: http://www.australiandebtclock.com.au/ |
Title: Re: Why does the government reward bludgers? Post by mantra on Mar 15th, 2014 at 4:10pm Bobby. wrote on Mar 15th, 2014 at 1:52pm:
Yet when Labor left office it was $268 billion - so in six months this government has added another $80 billion. How did this happen considering they claim to be so austere and efficient? They've borrowed another $200 billion of which it appears they've spent $45 already meaning that at the end of their first term - they would have accrued as much debt as Labor incurred in 6 years. Quote:
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Title: Re: Why does the government reward bludgers? Post by bobbythebat1 on Mar 15th, 2014 at 4:16pm mantra wrote on Mar 15th, 2014 at 4:10pm:
There is a simple answer: Tony Abbott is a liar. He never had any solutions - it was all election hype. |
Title: Re: Why does the government reward bludgers? Post by pansi1951 on Mar 15th, 2014 at 4:35pm dave wrote on Mar 15th, 2014 at 1:07pm:
So you worked hard and haven't been rewarded? you should have gotten others underneath you to work hard and you will be rewarded......ask Gina.....even the Egyptians worked that out. Sometimes having less is having more, if you know what I mean. You sound pretty bitter for someone who won't be battling on $20,000 a year. Maybe you need a nice long holiday Dave.....and chill out, life's not all about money or worrying about what some other bugger is getting or not getting. |
Title: Re: Why does the government reward bludgers? Post by pansi1951 on Mar 15th, 2014 at 4:38pm TheGreenLight wrote on Mar 13th, 2014 at 7:44pm:
You could always swap your super money for their $20,000 if it will make you feel better. Don't tell me you want to be greedy and have both ::) |
Title: Re: Why does the government reward bludgers? Post by miketrees on Mar 15th, 2014 at 5:14pm
Humans are strange chimps.
They would be perfectly happy with $20K,, until they find out that chimps in cage 2 get $22K |
Title: Re: Why does the government reward bludgers? Post by life_goes_on on Mar 15th, 2014 at 6:01pm
I work hard and pay taxes. I don't see why these bludgers get $500 per fortnight for doing nothing. I work hard for my wages so where's my extra spending money from the government?
When I applied for the dole I was so pissed when they told me "I was earning too much". At least I've got a job, unlike those lazy c-nts. I should be at the front of the queue for handouts like the dole. F-cking rip off governments. |
Title: Re: Why does the government reward bludgers? Post by Setanta on Mar 15th, 2014 at 9:39pm Life_goes_on wrote on Mar 15th, 2014 at 6:01pm:
Damn straight! I'll head down there Monday and try to get my share, if they treat me as badly as they have you, I'll roll around on the floor kicking and screaming, pounding my fists on the floor until they know exactly how badly I've been done by. |
Title: Re: Why does the government reward bludgers? Post by Kat on Mar 15th, 2014 at 10:17pm Ex Dame Pansi wrote on Mar 15th, 2014 at 4:38pm:
Go the whole hog, and take the $13k p/a the unemployed get. Go on! There's a challenge for ya. |
Title: Re: Why does the government reward bludgers? Post by Rubin on Mar 15th, 2014 at 10:30pm Ex Dame Pansi wrote on Mar 15th, 2014 at 4:38pm:
Mate it's good to see you have done the right thing I think it is complete bs paying pensions to people who wasted their lives they just the same as any other dole bludger |
Title: Re: Why does the government reward bludgers? Post by bobbythebat1 on Mar 15th, 2014 at 10:35pm
Anyone who can get even one dollar out of Centerlink is a genius.
They have 1001 reasons not to pay people. |
Title: Re: Why does the government reward bludgers? Post by Cliff48 on Mar 16th, 2014 at 5:53pm TheGreenLight wrote on Mar 13th, 2014 at 7:44pm:
what BS some people claim. One needs to have around $1million in assets (not including value of the family home) to not qualify for any Aged Pension. The million I earned in 45 years was needed to pay for luxuries like: paying taxes, food, rent/mortgage, transport, clothes, raising kids, etc. Yep, what a bludger I must be to have spent my earning on such things - i should have banked it all and ate at soup kitchens!!!! If TheGreenLight has so much assets that he doesn't qualify for any aged pension I feel sorry for the poor hard done by prick that begrudges a low income worked $20k per year to people who worked for minimum wage. TheGreenLight forgets that when we entered the workforce 45+ years ago, part of our taxes were deigned to give us a pension. Now that we have super, that has changed, but super has not been running long enough to replace that. But it will be another 20 years before super replaces the OAP. I wish I earned so much in my 45 years that I could accumulate over $1million in assets (excluding the value of my home) and then cry POOR. BS-artists like this sicken me!!!! |
Title: Re: Why does the government reward bludgers? Post by Andrei.Hicks on Mar 16th, 2014 at 7:37pm Bobby. wrote on Mar 15th, 2014 at 10:35pm:
I gave up Bobby. I tried after I was made redundant but could see it was a total lost cause Tighter than a camel's ass in a sandstorm. |
Title: Re: Why does the government reward bludgers? Post by Cliff48 on Mar 16th, 2014 at 9:56pm Andrei.Hicks wrote on Mar 16th, 2014 at 7:37pm:
So what is TheGreenLight complaining about? pople being clever than him? |
Title: Re: Why does the government reward bludgers? Post by bobbythebat1 on Mar 16th, 2014 at 10:01pm Andrei.Hicks wrote on Mar 16th, 2014 at 7:37pm:
True - the same happened to me. It's a waste of time going there. Their sole goal is not to pay people & look for any excuse. |
Title: Re: Why does the government reward bludgers? Post by The Grappler 2014 on Mar 16th, 2014 at 11:12pm Setanta wrote on Mar 15th, 2014 at 9:39pm:
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Title: Re: Why does the government reward bludgers? Post by GeorgeH on Mar 21st, 2014 at 8:10pm Quote:
http://thekouk.com/blog/it-s-now-61-15-billion-of-gross-borrowing-by-the-abbott-government.html#.UywNl62Sxps |
Title: Re: Why does the government reward bludgers? Post by The Grappler 2014 on Mar 22nd, 2014 at 12:45am
Great shot, George! Your truth gun is very finely tuned and you handle it well..
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Title: Re: Why does the government reward bludgers? Post by Setanta on Mar 22nd, 2014 at 1:31am St George of the Garden wrote on Mar 21st, 2014 at 8:10pm:
You mean they have upped 7 years of Labor debt, financing Australia through the GFC, which has been over for years according to the Libs, by 10% in 6 months?! |
Title: Re: Why does the government reward bludgers? Post by The Grappler 2014 on Mar 22nd, 2014 at 2:34am
Par for the course - both sides say a lot of big words and serious rhetoric - while doing something else behind that screen of words.
SS - DD |
Title: Re: Why does the government reward bludgers? Post by The Grappler 2014 on Mar 22nd, 2014 at 2:34am
*kicks the shorts out of the page turner....
"Why does the government reward bludgers?" Because they are the ones who are making the rules ;D |
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