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Low Paid Tories are Revolting!

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Reply 40
Original post by illegaltobepoor
http://www.mirror.co.uk/news/uk-news/hame-you-hardworking-mums-tearful-6643284

It looks like the low paid Tories are revolting. Last night on Question Time a Women said she voted Conservative, worked really hard to provide for her children, she is struggling to pay the bills but the Conservatives are taking more from her when they said they wouldn't. She also appeared to show emotional tears. They where not fake.


Some seem to be saying that it is her fault for even believing, for one second, that the Conservatives are on the side of the hardworking poor.

However, we shouldn't underestimate the effects of media propaganda: there was a vicious propaganda campaign targeted at Ed Miliband, and we're seeing an even more vicious one now. We should be welcoming her to the sensible side of the debate, instead of ridiculing her, and challenging the media propagandists, for instance by encouraging higher voter turnout (Republicans and Conservatives alike like to keep it as low as possible). Citizens have become docile consumers, and communities have become shopping malls. It's time to change that and get people interested in politics, which, at the very least, will decrease the likelihood that the likes of the Telegraph, the Times, the Daily Mail and the majority of our media can engage in distortions and lie about the facts.
(edited 8 years ago)
Original post by Hydeman
It sounds fair enough if the minimum wage is insufficient to give any children you may have a decent quality of life (I say 'if' because I'm not entirely sure if it is or it isn't).


Lets work together on this Hydeman. We don't wanna argue. I think I've already started a good arguement with Reue. Lets work together to see how much a working Single Parent with 2 children can live on.

£14,000 per anum is the salary on a min wage job with 40 hours min contract.

Lets choice Birmingham in the Midlands. Price of 3 Bedroom house to rent is £500 PCM. That is £6000 a year.
Link here for evidence. Nothing fancy,
http://www.rightmove.co.uk/property-to-rent/property-36006363.html

Forgot Taxes. Will do that after when is complete.

£14000 - £6000 = £8000 per anum left.

Lets divide that amount between 12 months and see what the bills are. £8000/12 = £667

Council Tax. £880 / 12 = £73.33 ............... Got from Council.
Tenants Home Insurance (Contents & Buildings) £10 My Friends rate is this.
Water Rates. £325 / 12 = £27.08 ............. Water Sure Seven Trent Rate. (for ppl on low income).
Electricity.
Gas.
Phone & Broadband.
Petrol/Diesel.
Car Insurance.
Car TAX.
MOT costs.
Children School Uniform's.
Food.

You can do rest :tongue:
(edited 8 years ago)
Original post by Reue

That means a family earning just a £5,000-a-year salary will no longer get the full tax credit. - £5000 a year is not a salary. It's not full time work. The focus should be on why these people are unable to get full time work instead of complaining that their part-time work isnt topped up enough.


Ha ha ha ha!!! Just you wait until you have kids. Our mortgage is £830 a month. Full time childcare in a cheap nursery (£40 a day) was about £860 a month. We now have our youngest in nursery for three days a week at a cost of £650 a month.

So unless the main earner in a family can effectively cover the bills and disposable income of the household, the second earner has to earn in excess of about £12k (3 days a week) in order to make working worthwhile. Otherwise they may as well stay at home.

As for your gripes of subsidising large families. What comes around goes around. I have just been paying for the last 15 years of your education. Similarly, I will soon be paying for your parents retirement. That is the nature of society.

The point about tax credits is that families that could get by under the old system will not be able to survive under the new one. The government thinks it is saving money but it is a false economy when we start seeing whole families on the street with no where to go.
Reply 43
Original post by ByEeek
Ha ha ha ha!!! Just you wait until you have kids. Our mortgage is £830 a month


Mine is considerably higher, what's your point?

Original post by ByEeek
Full time childcare in a cheap nursery (£40 a day) was about £860 a month. We now have our youngest in nursery for three days a week at a cost of £650 a month.


So you've had more than one? Which I assume you made an active choice to have?

Original post by ByEeek
So unless the main earner in a family can effectively cover the bills and disposable income of the household, the second earner has to earn in excess of about £12k (3 days a week) in order to make working worthwhile. Otherwise they may as well stay at home.


Again; self-inflicted financial burdens

Original post by ByEeek
As for your gripes of subsidising large families. What comes around goes around. I have just been paying for the last 15 years of your education.


And I'm doing the same for your children.

Original post by ByEeek
Similarly, I will soon be paying for your parents retirement.


You wont

Original post by ByEeek
The point about tax credits is that families that could get by under the old system will not be able to survive under the new one. The government thinks it is saving money but it is a false economy when we start seeing whole families on the street with no where to go.


We have to start somewhere.
Reply 44
Original post by illegaltobepoor

£14,000 per anum is the salary on a min wage job with 40 hours min contract.


This looks fun :smile:

Monthly net: £1050

Rent: 500
Council tax: 73
Insurance: 10
Water: 27
Electricity: 25
Gas: 35
Phone/Broadband: 20
Petrol: 120
Insurance: 50
Car tax: 10
MOT: 2.5
School uniforms: 10

Leaving over £40 a week for food. Easily doable.

Or they could get rid of the car and cycle? Or get a cheap 125cc bike and use £6 a week petrol, £10 a month insurance?

What of the children's father? Child support payments?
Original post by illegaltobepoor
Lets work together on this Hydeman. We don't wanna argue. I think I've already started a good arguement with Reue. Lets work together to see how much a working Single Parent with 2 children can live on.

£14,000 per anum is the salary on a min wage job with 40 hours min contract.

Lets choice Birmingham in the Midlands. Price of 3 Bedroom house to rent is £500 PCM. That is £6000 a year.
Link here for evidence. Nothing fancy,
http://www.rightmove.co.uk/property-to-rent/property-36006363.html

Forgot Taxes. Will do that after when is complete.

£14000 - £6000 = £8000 per anum left.

Lets divide that amount between 12 months and see what the bills are. £8000/12 = £667

Council Tax. £880 / 12 = £73.33 ............... Got from Council.
Tenants Home Insurance (Contents & Buildings) £10 My Friends rate is this.
Water Rates. £325 / 12 = £27.08 ............. Water Sure Seven Trent Rate. (for ppl on low income).
Electricity.
Gas.
Phone & Broadband.
Petrol/Diesel.
Car Insurance.
Car TAX.
MOT costs.
Children School Uniform's.
Food.

You can do rest :tongue:


(You forgot to include the the 20 percent income tax on the £3 400 above the personal allowance and NI)

(You also forgot child support payments from the father ;p)

I don't see how the parts in bold are a necessary expense but that's not the point. Let's say, for the sake of argument (we'll have to, I'm afraid), that it is arithmetically impossible for a person on minimum wage to support two children and give them a decent quality of life.

Reue's argument, and one that I agree with, is that it would be better for the children to be rehomed in that instance than to just give their parents money for having children that they cannot afford. Foster homes are usually temporary so that solution works even if there are cases when somebody has had children when they were able to afford them and then fallen on hard times financially.

If anything, I think it is too generous of the government to limit it to two children. The government should not be paying for anybody to have any children unless, as I said above, the fertility rate is on a worrying downward trend as it is in Japan, in which case it wouldn't be such an outrageous idea.

I don't particularly like emotional arguments -- let's look at the matter as it really is rather than playing the 'think of the children!' card. My point boils down to this: adults should not be paid to have children. And the rehoming idea goes some way towards preventing irresponsible parents treating children like cash cows because it removes the incentive to have children to get money from the government. By all means support the child through foster parents, but don't go around handing money to people simply because they've had a child that they shouldn't have had.

So in summary: discourage people from having kids that they cannot afford; if they do have kids they cannot afford, rehome them instead of paying their parents (let's face it, we cannot be sure that the money is actually spent primarily on the children and not treated as general household income); return foster children to their parents once they're earning enough to pay back.
(edited 8 years ago)
Original post by Hydeman
(You forgot to include the the 20 percent income tax on the £3 400 above the personal allowance and NI)

I don't see how the parts in bold are a necessary expense but that's not the point. Let's say, for the sake of argument (we'll have to, I'm afraid), that it is arithmetically impossible for a person on minimum wage to support two children and give them a decent quality of life.

Reue's argument, and one that I agree with, is that it would be better for the children to be rehomed in that instance than to just give their parents money for having children that they cannot afford. Foster homes are usually temporary so that solution works even if there are cases when somebody has had children when they were able to afford them and then fallen on hard times financially.

If anything, I think it is too generous of the government to limit it to two children. The government should not be paying for anybody to have any children unless, as I said above, the fertility rate is on a worrying downward trend as it is in Japan, in which case it wouldn't be such an outrageous idea.

I don't particularly like emotional arguments -- let's look at the matter as it really is rather than playing the 'think of the children!' card. My point boils down to this: adults should not be paid to have children. And the rehoming idea goes some way towards preventing irresponsible parents treating children like cash cows because it removes the incentive to have children to get money from the government. By all means support the child through foster parents, but don't go around handing money to people simply because they've had a child that they shouldn't have had.

So in summary: discourage people from having kids that they cannot afford; if they do have kids they cannot afford, rehome them instead of paying their parents (let's face it, we cannot be sure that the money is actually spent primarily on the children and not treated as general household income); return foster children to their parents once they're earning enough to pay back.


What happens if they have a disabled child? Have the child re-honed the sooner the better so the parent can make productive use of them self? How about ending the disabled child's life like the Spartans did?
Original post by Reue
To begin with, perhaps. Although I expect the cost savings to come once people begin to realise they can't continually expect the state to bail them out for their own life choices and stop having children they clearly cannot support themselves.


It seem incredibly unrealistic and pointless. While I agree about there being a point for people not having children if they can't afford them, those children who are born shouldn't be made to suffer and grow up in poverty.
If you want to rehome them, even ignoring me all the psychological and emotional drama and affects of such, the cost of setting such a system up and maintaining it would likely be more than the credits in the first place, not to mention the huge amount of litigation it would produce. And then what if we can't find enough homes for these children.

And then there's the fact that child credits cost us incredibly little compared to let's say tax avoidance...
Original post by Hydeman
To add to Reue's response to this particular argumentative gem -- there's no point making a rule if there's no penalty for breaking it. To pull the 'think of the children!' card to justify people having children that they cannot afford is nonsense.

I agree with Reue: they should be rehomed instead of their irresponsible parents being paid to procreate. That sort of thing might work in a country with a low birth rate (e.g. Japan), but there's no reason or rationale for doing that here.

Sorry for having basic compassion - I know that offends Tories. So you want children to be brought up in poverty?
Reply 49
Original post by Bornblue
It seem incredibly unrealistic and pointless. While I agree about there being a point for people not having children if they can't afford them, those children who are born shouldn't be made to suffer and grow up in poverty.
If you want to rehome them, even ignoring me all the psychological and emotional drama and affects of such, the cost of setting such a system up and maintaining it would likely be more than the credits in the first place, not to mention the huge amount of litigation it would produce. And then what if we can't find enough homes for these children.


Won't know unless we try. I (and the government and a majority of people polled) don't believe we should be giving out endless child benefits to people who continue having children. Something should (and is) being done.


Original post by Bornblue
And then there's the fact that child credits cost us incredibly little compared to let's say tax avoidance...


Why do people continue to use this point in order to justify other wastage? We've enough over-paid civil servants to be able to tackle both issues simultaneously.
Original post by illegaltobepoor
Lets work together on this Hydeman. We don't wanna argue. I think I've already started a good arguement with Reue. Lets work together to see how much a working Single Parent with 2 children can live on.

£14,000 per anum is the salary on a min wage job with 40 hours min contract.

Lets choice Birmingham in the Midlands. Price of 3 Bedroom house to rent is £500 PCM. That is £6000 a year.
Link here for evidence. Nothing fancy,
http://www.rightmove.co.uk/property-to-rent/property-36006363.html

Forgot Taxes. Will do that after when is complete.

£14000 - £6000 = £8000 per anum left.

Lets divide that amount between 12 months and see what the bills are. £8000/12 = £667

Council Tax. £880 / 12 = £73.33 ............... Got from Council.
Tenants Home Insurance (Contents & Buildings) £10 My Friends rate is this.
Water Rates. £325 / 12 = £27.08 ............. Water Sure Seven Trent Rate. (for ppl on low income).
Electricity.
Gas.
Phone & Broadband.
Petrol/Diesel.
Car Insurance.
Car TAX.
MOT costs.
Children School Uniform's.
Food.

You can do rest :tongue:


How comfortable a life do you demand a single parent on minimum wage and two kids to be able to have?
A roof over their heads, clothes on their backs and food on their plates was enough for my parents. Now people start factoring in cars and broadband. I've seen cost-of-living calculators that have money set aside for meals out and entertainment. What standard of living do you think people on minimum wage with two kids should have?
Reply 51
Original post by Bornblue
Do I think giving someone more money will make them financially better off?
Well yes, of course.


Your knowledge of the financial system seems very basic.
(Quick note about my previous post: I forgot to mention that you didn't account for child support payments from the father. I have edited it now.)

Original post by illegaltobepoor
What happens if they have a disabled child? Have the child re-honed the sooner the better so the parent can make productive use of them self?


Have the child rehomed but not for the reason underlined. Have him or her rehomed because their parent(s) cannot afford to support a disabled child. I think that's fair enough to both the child and the taxpayer (who should contribute to the fostering costs, depending on the circumstances).

How about ending the disabled child's life like the Spartans did?


No, I don't support that and I don't see why you're bringing it up.
Original post by Bornblue
She's right though isn't she?
She works hard, her bosses exploit her by paying her little and the tax credits which allow her to afford to live are being taken from under her.
The increased minimum wage won't even come close to covering the losses of tax credits.


If you're going to remove tax credits then there should be a far higher minimum wage. It's about time we started treating people as people rather than commodities.

Although I don't like Blair - tax and child credits were a phenomenally good idea. They gave people a hand up. Working class parents having middle class children was the hallmark of New Labour's success and an astonishing success it was.


This one of the few cases where I'm completely torn. While it's not right to make people worse off, the system was getting out of hand. Brown devised it as a measure partly to get more Labour votes, and under his watch, the bill was allowed to go from 2-6 billion to 30 billion. On top of that, I'm not happy that it's a subsidy to employers to pay less.

It's good that in most cases (80%, according to government figures), the other measures will more than offset the hit to tax credits, but I'd like to see the policy carried out over a longer period of time. I know, though, why it's being done so quickly - it's unpopular and so needs to be done as far away from an election as possible.

It was a thing that needed tackling. The speed is something I'm unhappy with, but the government had little choice. As Ken Clarke said, the government had better just put its tin hat on and get on with it now they're committed.
Original post by illegaltobepoor
My thread. Go and complain to TSR admin that I'm challenging you with a original argument.


When you say original argument, do you actually mean made up rubbish?
Original post by Bornblue
And then there's the fact that child credits cost us incredibly little compared to let's say tax avoidance...


Why is that relevant? We're looking at this particular issue -- it makes no sense to say, 'oh well, more money is lost through tax avoidance so all the lesser waste is okay.'

Original post by Bornblue
Sorry for having basic compassion - I know that offends Tories.


I'm not a Tory. There's a fine line between basic compassion and using emotions to justify the unjustifiable.

So you want children to be brought up in poverty?


No, I don't. And I don't see how the rehoming idea amounts to wanting or actually causing childhood poverty.
Original post by Reue
We have to start somewhere.


Well lets get rid of Trident then? Why on earth do we need nuclear weapons when 98% of the worlds other countries get by quite nicely without them? Let us start taxing property sales made by foreign investors. Let us start taxing companies that use licensing agreements to offset tax. Let us start means testing benefit payments to pensioners, like the winter fuel allowance. Dare I say it - why not raise taxes?

There are a gazillion and one things we could to do to cut expenditure or raise income yet we are obsessed with hitting those worst off in our society. Be it students, the young, the poor or the disabled. What does that say about us as a country? To me, it says we are becoming a country of self serving selfish pigs that don't care for anyone but ourselves. This is not the sort of country I want to live in.
Reply 57
Original post by ByEeek
Well lets get rid of Trident then? Why on earth do we need nuclear weapons when 98% of the worlds other countries get by quite nicely without them? Let us start taxing property sales made by foreign investors. Let us start taxing companies that use licensing agreements to offset tax. Let us start means testing benefit payments to pensioners, like the winter fuel allowance. Dare I say it - why not raise taxes?


Again; you've tried to deflect one wastage onto others. Each are, and should be, dealt with as separate issues.
Original post by ibzombie96
This one of the few cases where I'm completely torn. While it's not right to make people worse off, the system was getting out of hand. Brown devised it as a measure partly to get more Labour votes, and under his watch, the bill was allowed to go from 2-6 billion to 30 billion. On top of that, I'm not happy that it's a subsidy to employers to pay less.

It's good that in most cases (80%, according to government figures), the other measures will more than offset the hit to tax credits, but I'd like to see the policy carried out over a longer period of time. I know, though, why it's being done so quickly - it's unpopular and so needs to be done as far away from an election as possible.

It was a thing that needed tackling. The speed is something I'm unhappy with, but the government had little choice. As Ken Clarke said, the government had better just put its tin hat on and get on with it now they're committed.


I think that's very cynical of new labour and I'm one of the biggest new labour cynics out there. Browns tax credits helped millions better their lives, lifting low paid workers out of relative poverty and encouraging social mobility. To pass that off as 'just trying to get labour votes' is very unfair. In fact many of the people who benefited from new labour tend to pull the ladder up after themselves and vote Tory.

Of course I agree that they shouldn't be used as a subsidy for employees to pay less. But two things to that point: 1) if you're going to argue that then you must demand a significant increase in the minimum wage for all ages - not just an increase for over 25s which won't come close to making up the losses for cuts to tax credits. 2.) many Tories argue against employees being paid more because apparently it would be disastrous for businesses or some crap...


Did it need to happen? Well if we're moaning about money then we should be clamping down on tax avoidance and bankers bonuses before we even think about taking from the poor.

And the effect of this? As you noted the woman last night might become a symbol which labour must take advantage of. Tory cuts are now going to start hitting the 'aspirational' voters as well as middle income voters and if labour can present themselves as a compassionate alternative they could be on to a winner. Big IF though.

It's an opportunity that labour must take advantage of. Tory cuts will hit Tory voters.
Original post by viddy9
Some seem to be saying that it is her fault for even believing, for one second, that the Conservatives are on the side of the hardworking poor.

However, we shouldn't underestimate the effects of media propaganda: there was a vicious propaganda campaign targeted at Ed Miliband, and we're seeing an even more vicious one now. We should be welcoming her to the sensible side of the debate, instead of ridiculing her, and challenging the media propagandists, for instance by encouraging higher voter turnout (Republicans and Conservatives alike like to keep it as low as possible). Citizens have become docile consumers, and communities have become shopping malls. It's time to change that and get people interested in politics, which, at the very least, will decrease the likelihood that the likes of the Telegraph, the Times, the Daily Mail and the majority of our media can engage in distortions and lie about the facts.


As I said the tories were clever with austerity, the main people affected were the poor who either don't vote or vote Labour.

They may not be so shrewd with their cuts now. The 'inspirational' lower-middle income tory voters are going to start being bitten by cuts to tax credits and child credits among others.
They were lied to.

Labour now has to make the most of this, that woman last night could become symbolic if they play their cards right.

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