The Student Room Group

The politics of £72 a week vs the price of housing.

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Original post by scrotgrot
This is quite simply an example of the "free market" producing a grotesquely inflated parody of a market-clearing rate because the supply side has been choked by successive New Labour and Thatcherite Tory governments buying votes from their home-owning and landlord clientele.

It would be quite nice if we could figure out some other way of making money in this country than selling each other the same houses over and over again and having the government tax working people to pay rents to those same working people's private landlords.

In London, we firstly need to mobilise the several thousand acres of undeveloped land held by public bodies for the immediate provision of social housing.

We need to open up brownfield and some greenfield sites to development by not-for-profit bodies like housing associations.

We need to reinstate the squatting laws so that empty apartments owned in absentia by Arab oil sheikhs, the Russian mafia and Chinese Communist Party mandarins can be put to a better use than money laundering.

We need to cease the advertising of such properties at investment fairs in said countries prior to offering them in the native British market.

We need to impose a use it or lose it rule on land banking property developers.

Following the excellent moves of the SNP against their land barons, we need to conduct a comprehensive cadastral survey from Land's End to Berwick-upon-Tweed in order to find out who exactly it is that owns the land and what they use it for, if anything.

We need to abolish the majority of taxes levied on working people and small businesses and transfer them to a Georgist land tax, coupled with a system of reliefs to encourage development in strategically important infrastructure such as renewable and nuclear energy installations, high-speed trains etc.

The voting public need to wake up and realise that no, their house isn't really worth hundred and hundreds of thousands of pounds and no, they do not have a right to buy to let and literally have a working tenant buy them a house over twenty years while demanding a month-to-month profit and offsetting mortgage interest payments against tax on top.


We live in a free market and should continue to we just need to build a lot more houses


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Original post by scrotgrot
It's quibbling over a couple of quid a week here. Are disabled people just to stare at the wall all day? With the question of the TV licence we ask ourselves whether benefits should be rags and gruel subsistence or include room for basic entertainment to keep one sane, as well as connected to the outside world.

The BBC is necessary and in my view keeps our television relatively civilised and raises standards. Even as it is ITV is pretty mind-numbing tat and Channel 4 is getting worse. Even Sky, the costliest of subscription services, is nine hundred channels of rubbish plus a few sports and movies.

The TV licence is a tax of a couple of quid a week if you have a TV. If you're that bothered don't watch it at all.

The thing is I bet everyone quibbling about the TV licence has Sky to watch the football. Had the BBC kept the football, people could have seen it for two quid a week rather than Sky at five times the price. It astounds me that people care more about supposedly having "freedom" to watch the football on the one expensive package which offers it than about how much money it ultimately costs. Such is the folly of many attempts at making a free market of things when the market becomes dominated by a monopolist.


When the amount under discussion is £72/week, the quibbles are inevitably going to be over a few quid. :tongue: And I do think that benefits should be 'rags and gruel subsistence' although my phraseology would be slightly less slanted than that. It is not the job of the taxpayer to provide anyone with a middle class lifestyle. I think it's quite amusing that people these days view television as a necessity rather than as a luxury. There were sane people before the advent of television too, you know.

Benefits should only provide a bare minimum but enough for rent, bills, food (three meals a day), a landline (for work purposes), an Internet connection (again for work purposes and should be means-tested on an individual basis - are there any public libraries near the claimant's residence that have free Internet and is the claimant able to travel to them without damaging his or her health?) and any training that is necessary for a job that the claimant is hoping to get. It may only be a difference of a few quid but with deficit and debt as large as the UK's, I'm afraid belts need to be tightened where possible.

I don't actually mind paying the TV licence because, as you say, it's only a couple of quid a week and I like watching TV every now and then. But surely you see the irony of the bit in bold? My whole argument up till now has been that if people cannot afford it while on benefits, then they shouldn't watch it. I merely scoffed at illegaltobepoor's attempt to absolve people of responsibility on this matter purely because they're a single mother or disabled (or both). Unless it's a mental illness that renders them unfit to sign legal documents, I don't accept that at all.

I also think you've misunderstood why people call it 'freedom.' A lower price per capita does not necessarily equate to freedom. It is called freedom because somebody who likes sports is free to get that if he or she wants and somebody who doesn't watch sports (e.g. me) does not have to get it. The whole idea is that you pay for what you like and I pay for what I like, which I think is a much fairer way of doing it than forcing everybody to pay for some things that they don't like so that it won't be illegal (since it is a criminal offence to watch TV programming on any device without a licence) for them to watch what they like. The only kind of person for whom that sort of deal would work would be somebody who liked everything, and that's pretty rare. I'm more than happy to pay the full cost of the channels I want to watch rather than expecting everybody to chip in.

I'll give you that the BBC is important in one sense - it's contractually bound to be impartial and fair which, looking at the American media, sounds quite good. :tongue: But as it currently stands, the licence fee arrangement is pretty unfair.
Original post by Hydeman
When the amount under discussion is £72/week, the quibbles are inevitably going to be over a few quid. :tongue: And I do think that benefits should be 'rags and gruel subsistence' although my phraseology would be slightly less slanted than that. It is not the job of the taxpayer to provide anyone with a middle class lifestyle. I think it's quite amusing that people these days view television as a necessity rather than as a luxury. There were sane people before the advent of television too, you know.

Benefits should only provide a bare minimum but enough for rent, bills, food (three meals a day), a landline (for work purposes), an Internet connection (again for work purposes and should be means-tested on an individual basis - are there any public libraries near the claimant's residence that have free Internet and is the claimant able to travel to them without damaging his or her health?) and any training that is necessary for a job that the claimant is hoping to get. It may only be a difference of a few quid but with deficit and debt as large as the UK's, I'm afraid belts need to be tightened where possible.


But now we come up against the reality of the job market in the twenty-first century, where there are not enough jobs to go around. What is the point of giving benefits to someone based on survival plus job search when there are no jobs? At some point we are going to have to face up to this inconvenient truth and move towards a universal basic income, which won't be untold riches but will be entirely decoupled from the outdated idea of "getting a job".

If you are really concerned about the deficit and the debt you'll know how insignificant unemployment benefits are within public spending as a whole, let alone how insignificant it would be shaving a couple of quid off them to take the TV licence off them. You can't just throw around the deficit argument to justify any and all cuts. And you might question why you are so insistent on taking money off the poorest people if it isn't actually going to make any difference.

I don't actually mind paying the TV licence because, as you say, it's only a couple of quid a week and I like watching TV every now and then. But surely you see the irony of the bit in bold? My whole argument up till now has been that if people cannot afford it while on benefits, then they shouldn't watch it. I merely scoffed at illegaltobepoor's attempt to absolve people of responsibility on this matter purely because they're a single mother or disabled (or both). Unless it's a mental illness that renders them unfit to sign legal documents, I don't accept that at all.


Well I think the disabled thing has some legs to it, pun totally intended. Unlike a single mother, someone with limited mobility, pain, low cognition, any number of things, can't really get out of the house to entertain themselves for free by going to feed the ducks or whatever.

I also think you've misunderstood why people call it 'freedom.' A lower price per capita does not necessarily equate to freedom. It is called freedom because somebody who likes sports is free to get that if he or she wants and somebody who doesn't watch sports (e.g. me) does not have to get it. The whole idea is that you pay for what you like and I pay for what I like, which I think is a much fairer way of doing it than forcing everybody to pay for some things that they don't like so that it won't be illegal (since it is a criminal offence to watch TV programming on any device without a licence) for them to watch what they like. The only kind of person for whom that sort of deal would work would be somebody who liked everything, and that's pretty rare. I'm more than happy to pay the full cost of the channels I want to watch rather than expecting everybody to chip in.


Well we are led to understand that free markets go hand in hand with lower prices and greater prosperity. I suppose I would therefore say I would rather have less supposed freedom (not that it is free as Sky has monopoly rights over football) in return for a much lower cost. And I suspect those at the bottom of the income distribution would agree. Plus if you agree that the BBC raises programming quality then it would appear to be a win-win.

You say I pay for what I like and you pay for what you like. Well with the BBC/TV licence model, the whole idea is that I pay for a bit of what I like and a bit of what you like and you pay for a bit of what you like and a bit of what I like. I see no real difference other than that it tends to produce a few generalist channels that do a bit of everything rather than 900 specialist channels that show the same thing morning till night. And I much prefer the idea of a channel that shows just a bit of everything. If nothing else it ensures people only watch the odd hour of telly a day rather than staying up all night binge-watching back-to-back Family Guy on Family Guy 24h.

All in all I feel that having both models running alongside each other keeps everyone happy. The commercial/subscription channels act as a check and balance to stop the TV becoming too monolithic and the BBC acts as a check and balance to stop the other channels becoming too lowest common denominator.
(edited 8 years ago)
Most single people are not be entitled to housing benefit anyway unless in exceptional circumstances. I will be entitled to nothing but JSA/UC if I lose my job. There are people who have been on housing benefit practically their whole adult lives and have a better quality of life and income than me and I work full time. I've used the online calculator recommended on the government website (http://www.entitledto.co.uk/benefits-calculator/startcalc.aspx?e2dwp=y) and according to that I'm entitled to nothing even though I work full time and don't earn a livable wage. But I know people who don't work who are on housing benefit. It's ridiculous - work should reward people and make people better off but currently, I'd be better off if I had dependents and was a single mother with no job. ****ing ludicrous. And then people wonder why so many teenagers from council estates have babies - what other options do they have if there are no jobs that pay enough to support themselves but the government is quite happy to practically throw money at them?
(edited 8 years ago)
Original post by scrotgrot
But now we come up against the reality of the job market in the twenty-first century, where there are not enough jobs to go around. What is the point of giving benefits to someone based on survival plus job search when there are no jobs? At some point we are going to have to face up to this inconvenient truth and move towards a universal basic income, which won't be untold riches but will be entirely decoupled from the outdated idea of "getting a job".


Of course there aren't enough jobs for everybody - that doesn't mean that people should be paid to sit at home and watch reruns of Family Guy. I don't particularly understand what's outdated about the idea of getting a job. As for the universal basic income, I haven't read much about it yet so I'm hesitant to pass any damning judgement on it but from what little I understand, it's not a very sustainable model.

I remember the Greens advertising it as the great liberator of the working class at the time of the election - something that would finally free working people to explore their options without having to choose between going hungry or being stuck in dead-end jobs that they hate. What they don't seem to understand is that the effect that a generous welfare state (it's not so generous now but it used to be) has had on the mentality of people would be amplified by several orders of magnitude under their system.

This is a country where people feel that it is their birthright to have luxuries such as television and to have as many children as they like - all billed to the taxpayer, if possible. I cannot help but think that this sort of mentality would only grow and since UBI has to be funded by tax revenue, there must be a theoretical lower limit of people that must be in employment at any one time for enough tax revenue to be collected to pay everyone this basic income. But what incentive is there for anybody to be in employment if there is a choice to just sit at home and live a relatively frugal lifestyle on UBI? Then you hit a problem. As soon as employment falls below this lower limit, you either have to suspend UBI until people get back to work and the taxes start coming in again, or you have to borrow. And because people in this country have historically fought tooth and nail to retain every freebie given to them, I doubt they would accept the former option. The same brigade as now would be out in force shouting about how the government is deliberately hurting the poor. If that's remotely what a future with UBI looks like, then I'm voting against any party who proposes to implement it.

If you are really concerned about the deficit and the debt you'll know how insignificant unemployment benefits are within public spending as a whole, let alone how insignificant it would be shaving a couple of quid off them to take the TV licence off them. You can't just throw around the deficit argument to justify any and all cuts. And you might question why you are so insistent on taking money off the poorest people if it isn't actually going to make any difference.


I don't buy this whole argument of insignificance. I also don't think that me knowing the 'insignificance' of unemployed benefits within public spending is some sort of litmus test of whether I'm 'really' concerned about the deficit and the debt. Do you know the size of the national debt and the annual interest payment on it? :tongue: I'm not only concerned with saving a couple of quid by taking the TV licence off them - that is merely the benefit of what is a matter of principle. The principle that you should be given enough money during hard times to keep yourself alive. I've said it before and I'll repeat it if you like: it is not the job of the taxpayer to provide anybody with a middle class lifestyle. If you want to be middle class, go and earn it. I completely reject this nonsense assertion that people would go insane if they didn't have TV to pass the time.

And it is going to make a difference, but only a small one, individually speaking. I didn't mention other cuts because this is a thread about these specific benefits and cuts to them. :tongue: I am in favour of getting rid of any oil subsidies and reassigning at least part of the savings to building social housing and to programmes for putting solar panels on the roofs of these houses so that they produce at least some of the energy used by the occupants, hence cutting some of their bills. I was wondering when the presumptuous 'why are you trying to hurt the poor?' streak would start to show...

Well I think the disabled thing has some legs to it, pun totally intended. Unlike a single mother, someone with limited mobility, pain, low cognition, any number of things, can't really get out of the house to entertain themselves for free by going to feed the ducks or whatever.


Again, television isn't a birthright. In any case, there are quite a few volunteer-supported charities that do deal with this sort of thing where people have to be visited at their houses and spoken to just to give them human contact. That still doesn't make television a birthright. The fact that you think that watching TV is needed to remain sane says a lot about the universe you live in.

Well we are led to understand that free markets go hand in hand with lower prices and greater prosperity. I suppose I would therefore say I would rather have less supposed freedom (not that it is free as Sky has monopoly rights over football) in return for a much lower cost. And I suspect those at the bottom of the income distribution would agree. Plus if you agree that the BBC raises programming quality then it would appear to be a win-win.


We'll have to agree to disagree on that one because I'm rather more keen on individual freedom than on lower cost. I don't quite agree with that last one; while the BBC makes great programmes, I have little reason to think that it's the reason why the current quality of programming isn't lower than it is.

Also, I don't know anybody who's led to believe that free markets go hand in hand with greater prosperity and lower prices. TSR is hardly a representative sample... The average Brit doesn't quite care about politics enough to educate themselves on what a free market is and how it works. Despite that, if the majority of people really thought that a free market did all that, the NHS wouldn't be the sacred untouchable cow that it is at present.

You say I pay for what I like and you pay for what you like. Well with the BBC/TV licence model, the whole idea is that I pay for a bit of what I like and a bit of what you like and you pay for a bit of what you like and a bit of what I like. I see no real difference other than that it tends to produce a few generalist channels that do a bit of everything rather than 900 specialist channels that show the same thing morning till night. And I much prefer the idea of a channel that shows just a bit of everything. If nothing else it ensures people only watch the odd hour of telly a day rather than staying up all night binge-watching back-to-back Family Guy on Family Guy 24h.

All in all I feel that having both models running alongside each other keeps everyone happy. The commercial/subscription channels act as a check and balance to stop the TV becoming too monolithic and the BBC acts as a check and balance to stop the other channels becoming too lowest common denominator.


Yes, that is how the current model works. But I do disagree with it. :tongue: It's not the highest priority for me when deciding who to vote for but it's important nonetheless.
(edited 8 years ago)
Original post by illegaltobepoor


Council Tax: £3.60 (Single occupants only pay 75% of the bill and Benefit Claimants get 75% of the amount due as Council Tax Benefit).
Broadband & Phone with Anytime calls: £4.62
Electricity £6.90
Gas £2.30
TV Licence £2.80
Water £2.77

Total £22.99

So excluding Rent there would be £49.01 left for food.


My gas and water are quite a bit more than that per week. (£4 p/w gas and £6.25 p/w water)

The amount of council tax support varies by area. And so does the overall council tax bill.
Original post by illegaltobepoor
Well lets put you in someone else's shoes shall we. Lets say you live in a poor built up area where all the libraries have shut down and you have zero access to the internet but to use Universal Credit and Universal Job Match you need access to the internet. What do you do?

Lets also put you in the position where you need the use of a telephone to apply for jobs. Since you don't want to have high phone bill at the end of the month you take the Anytime calls option.

Oh and 10% of the UK isn't covered by Optic Fibre so those prices aren't available for everyone.

But your right Job Seekers do not need a TV licence but the Goon's who work for the BBC though their contractor Capita have a tendency to set up innocent victims for prosecution though tricking them into signing a form which they use as evidence in court.
Should a person risk this and get into debt?


You can get unlimited mobile Internet through people like 3 very cheap these days, so you would (and people do) do that.
Hi Everyone,

This conversation has been really interesting to read!

There are a few things taking place in the House of Commons from next week that might be of interest for you to watch or even take part in!

Housing

On Wednesday 9 September, MPs will be debating affordable housing in London.

The debate will take place from 9.30am-11am in Westminster Hall.

This debate has been proposed by Chris Philip MP.


Watch the debate live or via catch-up on Parliament TV.

Want to have your say on this debate? Send your thoughts and experiences on this topic to your MP and encourage them to take part in the debate.

Find out who your MP is.

Housing supply in London was debated in Parliament in July this year. Read the debate brifing pack for that debate.
Housing Supply in London

BBC

The Culture, Media and Sport Committee are currently holding an inquiry into the future of the BBC. They want to hear your thoughts on:

* The possible scaling back of BBC production capabilities and any impact this would have on content overall, and on free-to-air content
* The possible replacement of the licence fee with a universal household levy; and a longer-term possibility of a move to a degree of subscription for BBC services
* The wider relationship between the BBC, the general public and Parliament

This is an opportunity to have your say about how the BBC works.
Original post by illegaltobepoor
Was reading a thread in the society section and I was wondering is it possible to live on £72 a week in benefits? My answer; its a postcode lottery!

These calculations are based on a single person.
I got these figures from a mate who is a ultra frugal hippie.

Council Tax: £3.60 (Single occupants only pay 75% of the bill and Benefit Claimants get 75% of the amount due as Council Tax Benefit).
Broadband & Phone with Anytime calls: £4.62
Electricity £6.90
Gas £2.30
TV Licence £2.80
Water £2.77

Total £22.99

So excluding Rent there would be £49.01 left for food.

The problem is that those who claim housing benefit often pay more for their housing than the amount given in housing benefit. This means that private landlords who provide for the benefit claimant market know perfectly well that they are recieving money from claimants Job Seekers Allowance.

I have came to the conclusion that there is nothing wrong with the rate of Job Seekers Allowance. The problem is greedy landlords and the lack of council housing.


You missed the fact that most people on benefits would need some sort of transport like bus or car.Also, £4.62 for phones and broadband is probably too cheap its about £30 for the phone and broadband deals you need(companies make people pay more by including a line rental fee for whatever package you choose which is often between £15-20 a month before you have chosen your phone/broadband package).You are also missing toilet roll,soaps,clothes these items shouldn't really cost that much to a normal income but can be significant cost to a £70 a week income.

Don't the Government cover all the rent through Housing Benefit? I believe this is why bedroom tax is costing the Government a lot of money because people have to rent out expensive private houses/flats.
Original post by illegaltobepoor
The thing is this. If there was no housing benefit there wouldn't be a price floor for the free market of rental accommodation. The market rate is kept up by welfare programs.

If we where to ban housing benefit to be used on private property then the rental market would go right down.

How is it that social housing has been maintained all these years though meager rents and private housing demands excessive rents and is in a worse condition with damp and mold.

The answer is speculation and greed.


Do you know how many people that would make homeless? As a single, childless, 22 year old with no physical disabilities I would never be eligible for a council flat. But I can't work and I'd never be able to afford somewhere to live. Even on the highest level of ESA I'd be left with £10 a week after I'd paid my rent, council tax (assuming I'd still get CTB) and bills. It costs me just under £5 to get the bus to a supermarket so I'd have £5 to feed myself and buy toiletries for a week.
Original post by SmallTownGirl
Do you know how many people that would make homeless? As a single, childless, 22 year old with no physical disabilities I would never be eligible for a council flat. But I can't work and I'd never be able to afford somewhere to live. Even on the highest level of ESA I'd be left with £10 a week after I'd paid my rent, council tax (assuming I'd still get CTB) and bills. It costs me just under £5 to get the bus to a supermarket so I'd have £5 to feed myself and buy toiletries for a week.


You misunderstand my point.

The fact is housing benefit allows private landlords a security net for their own business. They fail to attract tenants to their property? No problem! Just get some folks on welfare and move them in.

This way of housing people has been used for the last 30 years and it has resulted in public money going to landlords while the housing of the poor has never improved. Go to a slumlords properties. They are covered in mold and nothing works. There are also further costs down the line such as ongoing health problems of the inhabitants of the properties which costs the NHS more money.

The most shocking example for me was a 7 year old girl with dermatitis all over her legs. Her legs where red raw! This was on a BBC or C4 program not long back. About a year ago.

Anyway I know what the issue will be if we just slashed the housing benefit. What we need is a end to the rubbish spouted by New Labour and the Tories.

COUNCIL HOUSING NOW OR FACE A REVOLUTION!

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