@ Last of the Fraggles: Interesting and understandable post. However I would take issue with what you have said
The benefits system as it stands seem ideally designed to punish people who do the right thing and reward those who like to game the system.
I am not sure what you mean by that: but if you believe it to be true would you like to explain how you would go about "gaming the system" if you were so inclined? There are some clues in your post and I will make some guesses as to what you mean: but I would like to hear it from you
I really have no idea what I have been paying taxes for and why I should continue to bother anymore. When I worked in a good job I was hammered for tax and NI to pay for things I never used and/or couldn't get access to
I really don't understand how you can say you were "hammered for tax and NI" if you are referring to income tax: it is at a very low rate, even now. NI was, until very recently, capped so that much of a high rate taxpaer's earnings were exempt: I am not quarrelling with that because it is characterised as insurance and so that makes sense: even if it bears little relations to the "actualite"
If you are talking about indirect taxation then I still can't see how you were "hammered" because you pay the same as everybody else: it is a regressive tax and it is the poor who are "hammered". That is what things like VAT are designed to do
It is certainly true that taxation, whatever its source, is used to pay for things you will never access: and things that you will. Unless you wish to go for full hypothecation that is inevitable: and frankly I think it is a good thing. I wonder what it is you pay for that you never use or cannot get access to? Most of the tax we pay goes on things like health, education, social security etc. Did you not go to school? Are you never going to be ill? Will you never need financial help from the state...oh wait. Maybe you dislike the element which goes for defence (I would love to not pay a penny piece for that until we stop this macho posturing which requires us to waste money all over the world in conflicts which are none of our business): but do we not have to compromise? There are those who think that is the most vital part of the state's role and believe it the highest priority we have as a society. I dont' agree: they mostly don't agree with my priorities. I think we have to find a balance we can all live with, really
I made the grievous error (in the eyes of the state) of marrying someone who wasn't an EU citizen and got stung for thousands for visas etc only to find out that she isn't able to access the same services or get support from the state nor participate in our democracy. My wife is pregnant but doesn't get the same state handouts other mothers get because she's not an EU citizen.
I do not know the current situation with citizenship: I do know that before about 1980 (I think) a spouse took full citizenship of the partner when they married. There were a number of changes which were predicated on the spluttering moral outrage fostered by the likes of the daily mail for reasons which escape me: loads of indignation about "marriages of convenience" etc. The result is very likely what you experience now: it is what your fellow citizens voted for. We could do something about that: but good luck in trying to because the demonisation of poor but crafty foreigners is quite well entrenched now. Economic migrants, the lot of them!! Not.
Then I get made redundant (thanks to the Tories public sector spending cuts) and because I made the next grievous error of actually preparing myself and saving some money to tide me over I am entitled to an amazing £65 a week in JSA for a whole 12 weeks before I have to start doing 'back to work' courses designed to help those who can't fill in an application form or write their own CV. I then also have to take any job offered whether its cleaning toilets, packing sandwiches or digging ditches (despite having 2 masters degrees) otherwise I lose my £65.
You are confusing me now: you made provision for a rainy day, and it is raining. So you have to spend that provision? That is what you saved it for so what is your complaint?
Now if you happen to be like me you are opposed to the whole ideology behind that: but if you are then you should surely be opposed to it for everybody. That really depends on a whole plethora of assumptions about the welfare state. The current conventional wisdom is "targetting" benefits on those who need it most. You are not one of those people. I disgree with that notion of what it is all about: I am in a minority and, again, this is what we have voted for. It is part of a package which includes the low rates of tax you were "hammered" with before. We, as a society, have decided you can live on £65 per week, and you only get that because you paid in. If for any reason you did not have a full contribution record you would get nothing at all. Some people think that is fair because of their conception of what the welfare state is all about: many have voted for and argued for precisely that. If you have voted tory or labour or even libdem in the last 20 years you have voted for this. Maybe you didn't and maybe you have always opposed this ideology: if so you are in the same position as me: you are living the life imposed on the "underclass" and the "underclass" is you. Enjoy
The Council Tax is no better. Over a £1000 a year to get my bins collected on a fortnightly rotation. I recently had a problem with pests in the loft and phoned Environmental Services only for them to send out 2 women in suits without a ladder to tell me they weren't insured for this sort of thing and that pest control could come out to look but they would need paid £50 to send them out. So if I want someone to come and tell me I have a squirrel/rat/mouse in my loft it will cost me 75% of my income for the week!
The council tax is a regressive disgrace, yes. Again, until recently, capped for the wealthy and a real burdrn for those who are not the very poorest. Remember how and why that was introduced? It was a mitigation of the poll tax which went before it. Council tax does not just pay for emptying your bins, however. it pays for a lot of stuff: I get a newsletter from my council now and then which tells me what it pays for. Useless things like street lighting and schools and libraries and social housing etc. You should ask them what they are spending it on if they don't actually tell you. And you should have a look at the way costs have been transferred from central to local government and money has not been transferred commensurately: then ask yourself why services are deteriorating and entitlements reduced. Maybe you think that is a good thing: I think it leads to filthy streets and the black death, but I am weird that way
I was a high rate tax payer so apparently that makes me some rich bugger who doesn't need any help with anything. I live in a mansion and drive a golden carriage pulled by Filipino boys. Except I drive a 10 year old car and live in a 3 bed semi that I only just managed to save the deposit to afford.
You get exactly the same help as everybody else. I am not and never have been a high rate taxpayer: I get the same as you on the same terms and for the same period. It is nothing to do with what you
were. It is a lot to do with what we have voted for: ask yourself why we have voted for this: I suspect Rawl's veil of ignorance would be instructive if applied
Meanwhile when I go to sign on the knuckle draggers who are unemployable are all better dressed than me, driving better cars than me, all own dogs, all have multiple kids, get every benefit/service/handout going, and in return they have to check the papers once a week to see if there are any jobs and are maybe forced to go to an interview to which they turn up in a tracksuit and baseball cap, mumble incoherently and magically don't get hired!
This is not worthy of a response, and you know it: so I won't.
Am I supposed to feel sorry for 'the poor'? If I'd spunked my money away rather than being sensible with it people would be falling over themselves to help. Where is the reward for behaving sensibly? Where is the idea of responsiblity for yourself?
You are a little confused, I think. What do you imagine the poor without savings actually live on? You took responsibilty for yourself by saving against a rainy day: it is raining but it is not raining so hard on you as it is on those who had no opportunity to save: those who worked minimum wage and got by hand to mouth. When they were made redundant they got a much worse package than you did: they had no cushion: and they have to try to live on amounts of money which are far, far too low. They get the same hassle as you get to find work: they are perhaps less well qualified and so in a more difficult labour market (or maybe not: depends on what is there in the local area). At the risk of sounding to harsh: you
are the poor (or you soon will be if you don't get a job). Your attempt to place yourself in some other category is based on a lot of false assumptions, and it is an example of what I was talking about upthread: you do not want to be absorbed into that group. Well tough: we have decided as a society that the only thing that matters is money. Face it and embrace it: or oppose it. But do not expect much sympathy if you take the view that this is fine for "them", but not for "you": Am I supposed to feel sorry the whinging middle class? There is a logic on all of this: if you fund a stupid economic ideology by taking money from the pockets of the poor there comes a time when all that is gone and you move up to the next rung of the ladder and take it from them: that is you. Welcome to what we have wrought.
I seem to spend most of my life bailing out people who can't be trusted to look after themselves whether it is bankers, failed businessmen, the unemployed/employable, single mothers, pensioners or just random incompetents. In return I get that smarmy **** Cameron telling me I need to do my bit to help us out of a situation I didn't get us into!!
Why should I bother anymore?
For all of the reasons I have given above.
I am sorry: I do understand how frustrating it is: I am also once again unemployed and I am not meaning to have a go: but your rant is so full of wrongness I had to address some of it.