Thread: Neoliberal bastards Board: Oblivion / Ship of Fools.


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Posted by Jane R (# 331) on :
 
Here is the latest from the "Taxpayers'" Alliance, a group who basically object to the government spending money on anything except tax cuts.

So there's no point in giving benefits to people who will be dead before the next election? And everyone else will have forgotten what you did by then? And this is just a "practical" point?

I was going to post a rant, but I am too angry for words.

[Mad] [Mad] [Mad] [Mad] [Mad]
 
Posted by Golden Key (# 1468) on :
 
My sympathies.

If I may ask, where does "neo-liberal" come into it? I know our US political terminology is different; but they'd be (neo-)conservatives here.
 
Posted by Stejjie (# 13941) on :
 
I know this was mentioned in the OP, but this quote just took my breath away:
quote:
"The first of which will sound a little bit morbid - some of the people... won't be around to vote against you in the next election. So that's just a practical point, and the other point is they might have forgotten by then."
So it's fine to cut pensioners' benefits - half of 'em will be dead anyway by the next election, who cares about them? And the others - dotty old things, can't remember why they went upstairs, never mind who the current party of goverment is.

So all that counts, apparently, is not ensuring people are treated fairly and in line with their needs, but that you can make cuts and still get them to vote for you at the next election.

Just... just... the sheer... did they actually think... just [Mad]
 
Posted by Jane R (# 331) on :
 
Golden Key, I was using 'neoliberal' in the social science sense - defined by Wikipedia here.

Still, it's nice to know that Jeremy Corbyn's efforts to introduce more honesty into politics are having an effect. At least we know what we're voting for now.

[Mad]
 
Posted by Sipech (# 16870) on :
 
quote:
Originally posted by Golden Key:
If I may ask, where does "neo-liberal" come into it? I know our US political terminology is different; but they'd be (neo-)conservatives here.

Neoliberal is generally a term for those who believe in absolutely free market economics. They are what Nobel Prize winning economist, Joseph Stiglitz, refers to as "free market fundamentalists".

Examples of this kind of neoliberalism stem from the Freidrich Hayek and Milton Friedman. Their pattern of thought then spawned Thatcherism and Reaganism, where any kind of regulation or control of the markets was seen as an inherently bad thing.

Neoconservatism is primarily about the use of militarism to achieve one's aims. So advocates of the use of air strikes to achieve regime change could generally be referred to as neoconservatives.

So neoliberals and neoconservatives aren't necessarily different people; just the same people wearing different hats, depending on whether they're talking economics or international affairs.
 
Posted by Alan Cresswell (# 31) on :
 
"Some of them won't be around ... ". Yeah, that's because they froze to death after cuts to their winter fuel allowance, you murdering bastards.

I hope they get home to find granny visiting, who proceeds to beat some sense into them with her walking stick.

Now, I'm a UK tax payer. Where do I sign up to join an alliance of tax payers who want the government to fund decent social and welfare services, fund decent state education, fund a health service we can be proud of, offer refuge to those fleeing wars we've partly instigated ...
 
Posted by Sipech (# 16870) on :
 
quote:
Originally posted by Alan Cresswell:
Where do I sign up to join an alliance of tax payers who want the government to fund decent social and welfare services, fund decent state education, fund a health service we can be proud of, offer refuge to those fleeing wars we've partly instigated ...

Here. [Cool]
 
Posted by Alan Cresswell (# 31) on :
 
Yeah, well I had considered here as well.

But, I want something that claims to represent all UK taxpayers as suggested by a name like "Taxpayers Alliance". Whereas, of course, they should be called "Heartless, selfish bastards who aren't rich enough to offload all their income to offshore taxhavens Alliance".
 
Posted by Barnabas62 (# 9110) on :
 
From the title, I thought it must have been posted by a member of UKIP or the Tea Party!

I like Alan's revised title for "The Taxpayers Alliance". A bit long for a poster. Liam Fox must have taken leave of his senses to share a platform with the emetic Alex Wild.

Looks like a "free hit" for Jeremy Corbyn. I suppose they just discount him. But more public stupidity like that could make that a mistake as well.

I expect Cameron to distance himself, rapidly, from the wild Mr Wild.
 
Posted by Jane R (# 331) on :
 
Barnabas:
quote:
From the title, I thought it must have been posted by a member of UKIP or the Tea Party!
See you in Hell... oh wait, we're already here.

The use of 'neoliberalism' to describe extreme free-market fundamentalists is standard social science terminology. Since Kippers and TeaPartiers are anti-intellectual sociopaths I suppose it is not really surprising that they (mis) use the term as an insult for other people.

The title was inspired by the current 'Military Bastards' Hell thread.
 
Posted by alienfromzog (# 5327) on :
 
The Tax-Payers' Alliance are an interesting group. In the sense that for the most part they are not tax-payers and they certainly don't speak for most people who are.

Sadly they do have a loud voice and the (left-biased) BBC has a habit of asking them to comment on, well, anything. They were on BBC Radio 2 the other day telling junior doctors that they need to work evenings and weekends. Which is interesting as I'm reasonable sure that I work weekends and nights and evenings.

If the BBC could either stop inviting them on or ask them how much tax they pay it would be a significant improvement.

AFZ
 
Posted by Adeodatus (# 4992) on :
 
Lest we be tempted to distance what the TaxPayers' Alliance are saying from what's going on at the rest of the Conservative Party Conference, note that this foul initiative is being fronted by The Rt Hon Dr Liam Fox MP, former Tory Defence Secretary and Privy Councillor.

Dr Fox is or was also a GP (still a member of the Royal College of General Practitioners), which gives his apparently blasé attitude to the deaths and mental deterioration of older people just that added hint of nastiness.
 
Posted by Alan Cresswell (# 31) on :
 
quote:
Originally posted by alienfromzog:
The Tax-Payers' Alliance are an interesting group. In the sense that for the most part they are not tax-payers and they certainly don't speak for most people who are.

Certain similarities to Christian Voice - not Christian and not speaking for most people who are. Fortunately CV has been blessedly silent for a while (I just checked, they do actually still exist).
 
Posted by Sioni Sais (# 5713) on :
 
quote:
Originally posted by Alan Cresswell:
quote:
Originally posted by alienfromzog:
The Tax-Payers' Alliance are an interesting group. In the sense that for the most part they are not tax-payers and they certainly don't speak for most people who are.

Certain similarities to Christian Voice - not Christian and not speaking for most people who are. Fortunately CV has been blessedly silent for a while (I just checked, they do actually still exist).
The Taxpayers Alliance may be, um, interesting but it isn't a one man band like Christian Voice. AFAIK, Stephen Green is it.

Liam Fox on the other hand has been Secretary of State for Defence, so he must know about some of the most inefficient projects of all time. If defence procurement was reformed rather than being a cosy carve up between contractors, civil servants and those who specify requirements (and constantly change them), the Tories wouldn't have to choose who to kill with welfare cuts.
 
Posted by Alan Cresswell (# 31) on :
 
quote:
Originally posted by Sioni Sais:
The Taxpayers Alliance may be, um, interesting but it isn't a one man band like Christian Voice. AFAIK, Stephen Green is it.

True, they managed to get five men (and, they are all men) behind that table. That would probably be the entire membership of CV. Especially since Greens wife divorced him (perhaps he should hook up with Kim Davis, they'd make such a great team campaigning on the virtues of Christian marriage).

But, that's just a matter of scale. Half dozen bastards or one, it's not much different. Though, as the TPA have aspirations of having the ear of government (which Green could never dream of) they are in a greater position to screw with the nation.
 
Posted by Firenze (# 619) on :
 
There is something over 10 million people over 65 in the UK. Even if some tens of thousands die or become amnesiac in then next 4 years, that's a lot of us still alive and in possession of our marbles. And our votes.
 
Posted by Adeodatus (# 4992) on :
 
quote:
Originally posted by Firenze:
There is something over 10 million people over 65 in the UK. Even if some tens of thousands die or become amnesiac in then next 4 years, that's a lot of us still alive and in possession of our marbles. And our votes.

Oh, for a "like" button!
 
Posted by Stejjie (# 13941) on :
 
quote:
Originally posted by Firenze:
There is something over 10 million people over 65 in the UK. Even if some tens of thousands die or become amnesiac in then next 4 years, that's a lot of us still alive and in possession of our marbles. And our votes.

Which makes it all the more incredible that they would come out with something like this - particularly as, I think I'm right in saying, people over 65 not only vote but are more likely to do so than other age groups.

So, apparently they're cruel, heartless - and stupid.
 
Posted by Adeodatus (# 4992) on :
 
quote:
Originally posted by Stejjie:
cruel, heartless - and stupid.

Why don't the Tories just cut to the chase and make that their party motto?
 
Posted by alienfromzog (# 5327) on :
 
quote:
Originally posted by Adeodatus:
quote:
Originally posted by Stejjie:
cruel, heartless - and stupid.

Why don't the Tories just cut to the chase and make that their party motto?
Oh for a like button...

AFZ
 
Posted by Alan Cresswell (# 31) on :
 
quote:
Originally posted by Adeodatus:
quote:
Originally posted by Stejjie:
cruel, heartless - and stupid.

Why don't the Tories just cut to the chase and make that their party motto?
What? You expect honesty from politicians?
 
Posted by Penny S (# 14768) on :
 
My local t-shirt printing shop has shut. I want one with their name crossed out and "I PAY TAX. NOT IN MY NAME" on it.
 
Posted by Leorning Cniht (# 17564) on :
 
quote:
Originally posted by Stejjie:
Which makes it all the more incredible that they would come out with something like this - particularly as, I think I'm right in saying, people over 65 not only vote but are more likely to do so than other age groups.

The point made is quite correct - if you are to cut the winter fuel payment, now is the strategically correct time to cut it.

This is different from the question "should the winter fuel payment be cut"?

(Although I'm generally not a fan of micromanaging benefit payment, my gut tells me that having a smaller payment in the summer and a larger one in the winter is better than having an equally-sized one all year round.)
 
Posted by Sioni Sais (# 5713) on :
 
quote:
Originally posted by Stejjie:
quote:
Originally posted by Firenze:
There is something over 10 million people over 65 in the UK. Even if some tens of thousands die or become amnesiac in then next 4 years, that's a lot of us still alive and in possession of our marbles. And our votes.

Which makes it all the more incredible that they would come out with something like this - particularly as, I think I'm right in saying, people over 65 not only vote but are more likely to do so than other age groups.

So, apparently they're cruel, heartless - and stupid.

According to this from Ipsos - MORI far more older people vote Conservative than for any other party.

The "Grey vote" is very powerful and the only group who turn out as reliably are in the AB social class, who are also more likely to vote Conservative.
 
Posted by Dark Knight (# 9415) on :
 
quote:
Originally posted by Golden Key:
My sympathies.

If I may ask, where does "neo-liberal" come into it? I know our US political terminology is different; but they'd be (neo-)conservatives here.

No, they wouldn't. Those terms are not equivalents, although there is overlap. As Sipech has explained.
US Academic Wendy Brown has written quite a lot on the poison that is neoliberalism. There is no simple definition for what is a complicated phenomenon, but one of the main characteristics of neoliberalism is the extension of market rationality into areas of life that are not economic. It also corrupts laissez-faire economics itself, which is predicated on the idea that there should be small to no government and that the market should be free to operate with as few restrictions as possible. What has happened as a result of neiliberal "rationality" (a contradiction in terms of ever there was one) is that the state actually becomes an agent of the market - and, as you can imagine, quickly becomes an agent of powerful players within the market. Public goods - health, education (especially the universities), social services as mentioned in the OP - are stripped away or compelled to compete as if they were businesses in an economy. This is supposed to render these public goods "efficient" - that word again - but usually leaves them underfunded and unviable.
It's a very troubling phenomenon, and one that is entirely incompatible with the imminent environmental crisis.
 
Posted by balaam (# 4543) on :
 
quote:
Originally posted by Firenze:
There is something over 10 million people over 65 in the UK. Even if some tens of thousands die or become amnesiac in then next 4 years, that's a lot of us still alive and in possession of our marbles. And our votes.

There a queue of us waiting to join too.
 
Posted by orfeo (# 13878) on :
 
Only someone who has no belief in social structures could be idiotic enough to forget that those who die before the next election will have others who grieve and remember them.
 
Posted by marzipan (# 9442) on :
 
quote:
Originally posted by Adeodatus:
Dr Fox is or was also a GP (still a member of the Royal College of General Practitioners), which gives his apparently blasé attitude to the deaths and mental deterioration of older people just that added hint of nastiness.

He used to be my MP (about 6 years ago), apparently he was a fairly good doctor before he went into politics, I wonder what happened
 
Posted by Barnabas62 (# 9110) on :
 
quote:
Originally posted by Jane R:
Barnabas:
quote:
From the title, I thought it must have been posted by a member of UKIP or the Tea Party!
See you in Hell... oh wait, we're already here.

The use of 'neoliberalism' to describe extreme free-market fundamentalists is standard social science terminology. Since Kippers and TeaPartiers are anti-intellectual sociopaths I suppose it is not really surprising that they (mis) use the term as an insult for other people.

The title was inspired by the current 'Military Bastards' Hell thread.

Sorry Jane R. My bad.
 
Posted by Honest Ron Bacardi (# 38) on :
 
quote:
Originally posted by Dark Knight:
quote:
Originally posted by Golden Key:
My sympathies.

If I may ask, where does "neo-liberal" come into it? I know our US political terminology is different; but they'd be (neo-)conservatives here.

No, they wouldn't. Those terms are not equivalents, although there is overlap. As Sipech has explained.
US Academic Wendy Brown has written quite a lot on the poison that is neoliberalism. There is no simple definition for what is a complicated phenomenon, but one of the main characteristics of neoliberalism is the extension of market rationality into areas of life that are not economic. It also corrupts laissez-faire economics itself, which is predicated on the idea that there should be small to no government and that the market should be free to operate with as few restrictions as possible. What has happened as a result of neiliberal "rationality" (a contradiction in terms of ever there was one) is that the state actually becomes an agent of the market - and, as you can imagine, quickly becomes an agent of powerful players within the market. Public goods - health, education (especially the universities), social services as mentioned in the OP - are stripped away or compelled to compete as if they were businesses in an economy. This is supposed to render these public goods "efficient" - that word again - but usually leaves them underfunded and unviable.
It's a very troubling phenomenon, and one that is entirely incompatible with the imminent environmental crisis.

Yeah, that summarises my understanding of it too. I do have reservations about the use of the term though. It's shifted from where it was in the days of Milton Friedman etc. Whatever you think of their nostrums, they undoubtedly carried a genuine concern for the freedom of the individual. Modern neoliberalism has morphed away from that. You cannot consider any class of people sold to raw globalization as having much consideration for the individual any longer. There's now a market fetishism in there that insulates it from rational discourse concerning things like limits.

But the worry I have as "neoliberal" tries to keep pace with all of this is that it will become such an all-embracing term as to be technically worthless, except as a general insult.

(If you want to see the difference between classical liberalism and neoliberal thought, try reading Adam Smith on the need for regulation of banks.)
 
Posted by Huia (# 3473) on :
 
quote:
Originally posted by orfeo:
Only someone who has no belief in social structures could be idiotic enough to forget that those who die before the next election will have others who grieve and remember them.

This struck me when I read it too. Not everyone votes solely to benefit themselves. I have no children but would vote for a party that had child friendly policies.

Huia
 
Posted by Golden Key (# 1468) on :
 
Thanks for the explanations about "neo-liberal". Much of it is over my head, so I've mentally filed it as "economics term that's different than my usual political meaning of 'liberal'".
[Biased]
 
Posted by Ricardus (# 8757) on :
 
I'm not sure that the Taxpayers Alliance view is necessarily more cynical than the policies it is critiquing, namely that we should cut support to every other vulnerable group in society because they don't vote but leave pensioners alone because they do ...
 
Posted by Sioni Sais (# 5713) on :
 
quote:
Originally posted by orfeo:
Only someone who has no belief in social structures could be idiotic enough to forget that those who die before the next election will have others who grieve and remember them.

OTOH, if you are greedy and selfish, and for the time being well-off, "social structures" are something for other people.
 
Posted by Jane R (# 331) on :
 
Ricardus:
quote:
I'm not sure that the Taxpayers Alliance view is necessarily more cynical than the policies it is critiquing, namely that we should cut support to every other vulnerable group in society because they don't vote but leave pensioners alone because they do ...
You think they approve of maintaining benefits for others? I doubt it. Judging by their past performances they heartily approve of cutting benefits for children, the disabled and the unemployed and are encouraging the government to add pensioners to their hit-list.
 
Posted by Jane R (# 331) on :
 
Barnabas62:
quote:
Sorry Jane R. My bad.
Apology accepted [Cool]
 
Posted by Albertus (# 13356) on :
 
quote:
Originally posted by Ricardus:
I'm not sure that the Taxpayers Alliance view is necessarily more cynical than the policies it is critiquing, namely that we should cut support to every other vulnerable group in society because they don't vote but leave pensioners alone because they do ...

I agree. In fact, I'd say they were being fairly honest.
 
Posted by Ricardus (# 8757) on :
 
quote:
Originally posted by Jane R:
You think they approve of maintaining benefits for others? I doubt it. Judging by their past performances they heartily approve of cutting benefits for children, the disabled and the unemployed and are encouraging the government to add pensioners to their hit-list.

I agree - I suppose I'm saying they're being nasty in a principled rather than an opportunistic way.

(To put it another way: the logic of the Tory position ought to be that some pensioners, as well as unemployed people, are freeloading off the taxpayer insofar as they're getting benefits they don't need. But the Tories are happy to facilitate and connive in such welfare scrounging because pensioners vote for them.)
 
Posted by Jane R (# 331) on :
 
Pensioners pay income tax on their pensions. Everyone pays VAT when they go shopping, including my 12-year-old daughter who bought a new toy with her pocket money on Saturday. Talking as if only people who are currently working are entitled to benefit from government spending (and to begrudge every penny spent on someone else) is at best disingenuous.
 
Posted by Sipech (# 16870) on :
 
There's an interesting sleight of terminology that was pointed out to me the other day. I think I'd come across it before, but had largely forgotten it.

When it's something that the government wants to promote and is thought of as a good thing, it's funded by government investment.

When it's something that the government dislikes and wishes to cut back on, it's funded by taxpayers' money.

Look out for this and what sections of the press echo this deliberate use of leading terms.
 
Posted by Ricardus (# 8757) on :
 
quote:
Originally posted by Jane R:
Pensioners pay income tax on their pensions. Everyone pays VAT when they go shopping, including my 12-year-old daughter who bought a new toy with her pocket money on Saturday. Talking as if only people who are currently working are entitled to benefit from government spending (and to begrudge every penny spent on someone else) is at best disingenuous.

Was that a response to my post? I've not expressed any opinion on whether benefit cuts are justified or not. But if one does think they are justified, I can't see any principled reason to exclude pensioners.
 
Posted by alienfromzog (# 5327) on :
 
quote:
Originally posted by Golden Key:
Thanks for the explanations about "neo-liberal". Much of it is over my head, so I've mentally filed it as "economics term that's different than my usual political meaning of 'liberal'".
[Biased]

That's because Americans don't know what 'liberal' means. [Biased]

Kinda ironic in the land of the free but what can you do?

AFZ
 
Posted by Jane R (# 331) on :
 
Yes, actually it was, because you seem to have swallowed the line that 'pensioners' and 'taxpayers' are two different groups. They are not mutually exclusive categories.

[x-post - that was a reply to Ricardus as well]

[ 06. October 2015, 15:38: Message edited by: Jane R ]
 
Posted by alienfromzog (# 5327) on :
 
quote:
Originally posted by Jane R:
Yes, actually it was, because you seem to have swallowed the line that 'pensioners' and 'taxpayers' are two different groups. They are not mutually exclusive categories.

[x-post - that was a reply to Ricardus as well]

Yep. It suits some to conflate 'tax-payer' with 'income tax-payer.'

According to the ONS the poorest fifth of households pay 37.8 per cent of their income in tax in 2013/14, compared with 34.8 per cent for the richest fifth.

AFZ
 
Posted by Baptist Trainfan (# 15128) on :
 
quote:
Originally posted by Sipech:
There's an interesting sleight of terminology that was pointed out to me the other day. I think I'd come across it before, but had largely forgotten it.

When it's something that the government wants to promote and is thought of as a good thing, it's funded by government investment.

When it's something that the government dislikes and wishes to cut back on, it's funded by taxpayers' money.

Look out for this and what sections of the press echo this deliberate use of leading terms.

Yes. It's the same for local Councils. If they want to (say) fund a local park, they'll say that they are "investing in local amenities". If they want to be shot of it, it's "an unsustainable drain on resources".

I can see it in the railways too. What used to be routine "repairs and renewals" is now publicised as "investment for the future" - when that term should really be reserved for new lines and stations.

As a matter of interest, the media often talk of "the taxpayer". He or she is presumably the person who does (or doesn't) spend money shopping on "the High Street" - wherever that might be.
 
Posted by Sioni Sais (# 5713) on :
 
quote:
Originally posted by alienfromzog:
quote:
Originally posted by Jane R:
Yes, actually it was, because you seem to have swallowed the line that 'pensioners' and 'taxpayers' are two different groups. They are not mutually exclusive categories.

[x-post - that was a reply to Ricardus as well]

Yep. It suits some to conflate 'tax-payer' with 'income tax-payer.'

According to the ONS the poorest fifth of households pay 37.8 per cent of their income in tax in 2013/14, compared with 34.8 per cent for the richest fifth.

AFZ

It might not be immediately obvious but the marginal tax rates differ too. Because so many benefits are means tested, a pay increase caused by "working harder" as the government loves to put it can easily result in a family being worse off! I remember that happening to us back in 2001 when I started work after a few months unemployed. It wasn't a badly paid job either. I'm sure that with benefit cuts and a cap overall, things are worse now.

If you're on £80k however and you earn an extra thousand, you'll get an extra £580 per year in your wages (deductions of 40% tax + 2% NI).
 
Posted by Ricardus (# 8757) on :
 
quote:
Originally posted by Jane R:
Yes, actually it was, because you seem to have swallowed the line that 'pensioners' and 'taxpayers' are two different groups. They are not mutually exclusive categories.

[x-post - that was a reply to Ricardus as well]

If you mean that putting 'the logic of the Tory position' in front of a description of the Tory position, and using adjectives like 'nasty' and 'cynical', doesn't make it sufficiently clear that I'm describing the Tory position and not my own, then I suppose yes, that's a fair comment.

Otherwise I don't know what you mean. I'm not disputing that pensioners like everyone else pay tax, but I don't see why that would exempt them from cuts.
 
Posted by Jane R (# 331) on :
 
Fair enough, Ricardus.

I suppose this is what right-wing social engineering looks like; survival of the richest.
 
Posted by Anglicano (# 18476) on :
 
Can I declare an interest? I'm 70 and comfortably off. In my youth I always felt that "the elderly" (aka "the old folk") were a group like the disabled or the unemployed who we were expected to feel sorry for, albeit in a rather patronising way. But that doesn't seem to apply as much now. At least not in my case.

However, all my pensions were funded at least in part by my own contributions and I paid (and still pay) a lot of tax. I also saved for my retirement. I suppose I was a Wise Virgin (metaphorically). So why should I be means tested?

The only benefit I'd withdraw is the £10 Christmas bonus, which is too small to help individuals much, but the millions spent on it could better be directed elsewhere.
 
Posted by no prophet's flag is set so... (# 15560) on :
 
It's interesting Anglicano, the differences age cohorts mean. The economists I know tell me that coming of age and getting a job during a recession can taint someone's career and lower their lifetime earnings.

I'm a few years younger than you, completing my third university degree, a PhD in the 1980s. The interest rates on home mortgages were 15 to 17% per year. There was freeze on health, university and government hiring. It took about a decade to put things right with the economy. I did manage to get some contract work, no benefits, no guaranteed hours etc, two babies, really really difficult.

I decided to go into business and did very well, which I attribute to personality and luck. With luck being more significant than I usually like to admit. It made me understand how taking a single risk - self employment - meant everything to later success. All of those I came of age with are doing okay now, but those a decade older and a decade younger are directing their work units versus the drone-worker bee role of those who couldn't shine brightly enough during a severe recession. They lag behind in success and money and were penalized due to no fault of their own.

I should be rights be rather conservative and Conservative. But the party I voted for yesterday in the advance poll in Canada's federal election (19 Oct), if elected, will cost me some tens of thousands of dollars in corporate and personal tax, but they'll also fund universal $15/day daycare among other socially progressive things.

So you should be means tested Anglicano, because you can afford it, and should I. Others cannot afford it, and because of your luck, not just your prudence, you actually owe the society that facilitated your success. So do I. -- we could also discuss the tax laws that allow corporations to avoid large tax bills, but that's another subject.
 
Posted by Arabella Purity Winterbottom (# 3434) on :
 
The one thing about neo-liberalism I remember from my last lot of study was that governments exist to get themselves re-elected.

I don't think that's changed one little bit.
 
Posted by Golden Key (# 1468) on :
 
quote:
Originally posted by Anglicano:
The only benefit I'd withdraw is the £10 Christmas bonus, which is too small to help individuals much, but the millions spent on it could better be directed elsewhere.

For someone who's poor, £10 is a lot of money. It's one month when their budget is a little easier. Maybe they can buy better food, or extra to put away for months when they have a hard time putting any food on the table. Maybe buy some cheap shoes, etc.

And it might just mean that they can have a small celebration of whatever winter holiday they celebrate.

FYI: I've never heard of a benefits program, here in the US, that gives extra at Christmas.
 
Posted by Karl: Liberal Backslider (# 76) on :
 
Aye, but doesn't that just illustrate the problem? A tenner's not much to me, nor to the people in power. But it's a lot to some of the people they govern, and whose loss thereof they do not understand the significance of.

God that sentence is ugly but it's Hell so I can't be arsed to recast it.
 
Posted by Alan Cresswell (# 31) on :
 
And, that's especially true when it's not just the tenner. When the logic is a lot of little items are all "not a lot of money, it won't make a big impact" and then you lose the Christmas allowance, cold weather allowance gets cut, the bus pass is gone ... the cumulative effect is a big cut that will be felt even by some of those who could afford to miss the tenner at Christmas. And, for those for whom that tenner was a substantial amount of cash to get the cummulative effect is potentially deadly.
 
Posted by Karl: Liberal Backslider (# 76) on :
 
Exactly. The most charitable I can be to the Chancellor is that he doesn't actually understand that losing tax credits really, really matters, and you can't handwave it away by saying "ah, but, in a few years our living wage will come in and you're paying marginally less income tax so it's not as bad as all that".

They don't get that even a few quid, never mind a few hundred, is massive for some people. Hey, they spend that on dinner.
 
Posted by Alan Cresswell (# 31) on :
 
If by raising tax thresholds and raising the minimum wage (to something closer to but below the living wage) it can be demonstrated that even with cuts in tax credits and other benefits everyone will be better off, or at least no worse off by even a penny, then I for one may not be happy (I would prefer the poorest in society to gain quite a bit because they're currently scraping below the bottom of the barrel), but at least it moves things in the right direction.

But, when the proposed changes only make the average person better off that means a lot of people are going to be worse off. And, you and I know they'll be the poorest for whom a small cut will have the biggest effect. But, if they've all starved or frozen to death by the next election what does it matter? They won't be voting against the Tories then, will they?
 
Posted by alienfromzog (# 5327) on :
 
quote:
Originally posted by Alan Cresswell:
If by raising tax thresholds and raising the minimum wage (to something closer to but below the living wage) it can be demonstrated that even with cuts in tax credits and other benefits everyone will be better off, or at least no worse off by even a penny, then I for one may not be happy (I would prefer the poorest in society to gain quite a bit because they're currently scraping below the bottom of the barrel), but at least it moves things in the right direction.

But, when the proposed changes only make the average person better off that means a lot of people are going to be worse off. And, you and I know they'll be the poorest for whom a small cut will have the biggest effect. But, if they've all starved or frozen to death by the next election what does it matter? They won't be voting against the Tories then, will they?

Indeed.

Morevover, giver how little of the tax-burden on the poorest is in the form of income tax it is entirely disingenuous to talk about taking the poorest out of tax.

[Mad] [Mad] [Mad]

AFZ
 
Posted by Alan Cresswell (# 31) on :
 
And, you can add to that. If there are significant numbers of people who will be better off under revised tax structures (and, there almost certainly will be) what are these people going to do withtheir new increased take home income? Spend it, of course. Good in some ways, more money spent in shops and pubs etc means more work. But, it also means inflationary pressure which will hit the poorest who haven't benefitted from the new tax system, and for those items that incur VAT they will be increasing their contributions while losing out on the cuts.
 
Posted by alienfromzog (# 5327) on :
 
It gets worse than that Alan. If you look at the figures it's startling ineffecient. If your income is 10k, increasing the personal allowance from say 8.5k to 10k gives you a little more money. Which is good. But most of the money ends up going to middle and higher earners.

I'll see if I can find the link but it's something like £1Bn going to those who really need it at a cost of £11Bn to the exechequer. It's hard to imagine a less effecient way of acheiving this.

Moreover, many of the higher earners don't spend it, they save it so the multiplier effect on the economy overall is negative and hence a downward pressure on employment.

AFZ
 
Posted by alienfromzog (# 5327) on :
 
Here we go: This link is helpful

Total cost of the increases in personal allowances is around £12-13Bn by this financial year. Roughly equivalent to the increase in revenue from VAT.

Sadly, most of the benefit goes to the better off

The changes made in the March budget gave a tax cut to anyone earning up to £120k and had no benefit for anyone on the minimum wage working fewer than 31 hours / week.

Smoke
Mirrors

Lies

It's fundementally a bad policy.

If you want to help the poor cut VAT and by the way as Darling demonstrated this is a major boost to the economy overall which is why unlike Osborne, Darling ended up with revenues which were signficantly higher than predicted.

Slight tangent on Osborne's record of economic prediction if you're as sad as me... [Biased]

AFZ
 
Posted by Jane R (# 331) on :
 
Anglicano:
quote:
I'm 70 and comfortably off. In my youth I always felt that "the elderly" (aka "the old folk") were a group like the disabled or the unemployed who we were expected to feel sorry for, albeit in a rather patronising way. But that doesn't seem to apply as much now. At least not in my case.
The plural of anecdote is not data.

I'm guessing you are also male, because a lot of 70-something women who worked in the 1970s paid a reduced rate of NI - which didn't count towards your pension, but that was all right because they were *married* and could share their husbands' pension.

Then the husbands (or some of them, anyway) traded their wives in for younger models, and wham, suddenly a lot of women have next to no pension provision just before their retirement. My mother was one of the lucky ones in that age cohort; she's still married.

Women are particularly vulnerable to cuts in pensioners' benefits, because they usually don't have as much pension as the average man and they also tend to live longer after retirement. These are the people who are starving and freezing every winter, but hey, that's all right because they'll all be dead by the next election and who cares what happens to a bunch of old women anyway? [Mad]

Where's Granny Weatherwax when you need her?
 
Posted by Moo (# 107) on :
 
quote:
Originally posted by Jane R:
I'm guessing you are also male, because a lot of 70-something women who worked in the 1970s paid a reduced rate of NI - which didn't count towards your pension, but that was all right because they were *married* and could share their husbands' pension.

Then the husbands (or some of them, anyway) traded their wives in for younger models, and wham, suddenly a lot of women have next to no pension provision just before their retirement.

In the US, if a divorced woman was married at least ten years, she is entitled to Social Security benefits under her ex-husband's SS account.

Moo
 
Posted by Alan Cresswell (# 31) on :
 
In the UK, a divorced partner can get a state pension based on their partners National Insurance contributions, if they don't remarry or enter a civil partnership.
 
Posted by Chapelhead (# 21) on :
 
quote:
Originally posted by Golden Key:
For someone who's poor, £10 is a lot of money. It's one month when their budget is a little easier. Maybe they can buy better food, or extra to put away for months when they have a hard time putting any food on the table. Maybe buy some cheap shoes, etc.

And it might just mean that they can have a small celebration of whatever winter holiday they celebrate.

FYI: I've never heard of a benefits program, here in the US, that gives extra at Christmas.

On the basis that every little helps, I agree. but it is only a little. As I understand it, when the Christmas Bonus was introduced by the wicked Tory government in 1972 (boo hiss) it was rather more than the weekly basic state pension of £6.75. It has been paid at that level every year since, except by the lovely Labour government in 1975 and 1976 (yay, yay). It is now worth rather a lot less that the weekly basic state pension of £115.95.

It might be much simpler if it were incorporated into another benefit (the pension itself, or the winter fuel allowance), but this hasn't happened. This might be because the payment (although not the amount) was established in legislation by the nasty Tory government of Margaret Thatcher in 1979 (boo, hiss, boo, hiss), making it harder to remove. But I suspect the real reason is that if it were removed, even if replaced by a more generous benefit elsewhere, the headlines would all be about the Scrooge-like government (of whatever variety) taking away what little pensioners have to live on. And Christian Voice would probably put out a press release saying the government had abolished Christmas.
 
Posted by Marvin the Martian (# 4360) on :
 
quote:
Originally posted by no prophet's flag is set so...:
...because of your luck, not just your prudence, you actually owe the society that facilitated your success.

Funny, I was under the impression that a salary was fair payment for services rendered rather than unearned luck. And that the taxes paid on said salary are the means by which society is paid back for facilitating the ability to earn it.

What you appear to be saying here is that if two people earn exactly the same amount over their working lives but one saves it up and the other pisses it away then the first one should be penalised for their prudence by receiving a lower pension. I fail to see how the first person can in any way be described as more "lucky" than the second - perhaps you can explain?
 
Posted by Karl: Liberal Backslider (# 76) on :
 
quote:
Originally posted by Marvin the Martian:
quote:
Originally posted by no prophet's flag is set so...:
...because of your luck, not just your prudence, you actually owe the society that facilitated your success.

Funny, I was under the impression that a salary was fair payment for services rendered rather than unearned luck. And that the taxes paid on said salary are the means by which society is paid back for facilitating the ability to earn it.

I think NP's point is that being in a position where your services rendered are worth lots more than others' is as much a matter of luck as it is anything else. IME, that is very true. Case in point - a surgeon's services rendered are very valuable in the market, but that is both because of the work he's put into qualifying, and his pure luck in being intelligent enough and having other personality attributes that are conducive to being capable of training to become a surgeon.

[ 14. October 2015, 15:59: Message edited by: Karl: Liberal Backslider ]
 
Posted by Marvin the Martian (# 4360) on :
 
quote:
Originally posted by Karl: Liberal Backslider:
I think NP's point is that being in a position where your services rendered are worth lots more than others' is as much a matter of luck as it is anything else. IME, that is very true. Case in point - a surgeon's services rendered are very valuable in the market, but that is both because of the work he's put into qualifying, and his pure luck in being intelligent enough and having other personality attributes that are conducive to being capable of training to become a surgeon.

While I agree that such a thing as innate intelligence exists, I don't think it makes as big a difference as you're suggesting. Working hard at school is what makes the difference - and that's not about luck, it's about choice.
 
Posted by Doc Tor (# 9748) on :
 
quote:
Originally posted by Marvin the Martian:
Working hard at school is what makes the difference - and that's not about luck, it's about choice.

So how do you explain that the majority - and often the vast majority - of positions in government, the civil service, the judiciary and the media are all taken by those from public school?

That's not about working hard. That's about how wealthy your parents are.
 
Posted by Sioni Sais (# 5713) on :
 
quote:
Originally posted by Marvin the Martian:
quote:
Originally posted by Karl: Liberal Backslider:
I think NP's point is that being in a position where your services rendered are worth lots more than others' is as much a matter of luck as it is anything else. IME, that is very true. Case in point - a surgeon's services rendered are very valuable in the market, but that is both because of the work he's put into qualifying, and his pure luck in being intelligent enough and having other personality attributes that are conducive to being capable of training to become a surgeon.

While I agree that such a thing as innate intelligence exists, I don't think it makes as big a difference as you're suggesting. Working hard at school is what makes the difference - and that's not about luck, it's about choice.
Not only is Marvin from Mars, I think we can be sure he is still there.
 
Posted by Golden Key (# 1468) on :
 
quote:
Originally posted by Jane R:
Where's Granny Weatherwax when you need her?

Yes, she does have rather...creative...ways of getting people to help their neighbors. Especially in "Witches Abroad", where she...motivates...a bunch of woodcutters and such to help an elderly woman in dire straits.

[Two face]
 
Posted by Jolly Jape (# 3296) on :
 
quote:
Originally posted by Marvin the Martian:
quote:
Originally posted by Karl: Liberal Backslider:
I think NP's point is that being in a position where your services rendered are worth lots more than others' is as much a matter of luck as it is anything else. IME, that is very true. Case in point - a surgeon's services rendered are very valuable in the market, but that is both because of the work he's put into qualifying, and his pure luck in being intelligent enough and having other personality attributes that are conducive to being capable of training to become a surgeon.

While I agree that such a thing as innate intelligence exists, I don't think it makes as big a difference as you're suggesting. Working hard at school is what makes the difference - and that's not about luck, it's about choice.
You're an intelligent chap, Marvin. Surely you can't really believe this? I'm a moderately intelligent type who, over the years, has earned a very good living out of the television industry. I have a freind who is a nurse. She is at least as well qualified as I am, is probably more intelligent, and works harder by several orders of magnitude than I ever have, yet she is remunerated much less well. I really don't see any correlation between working hard, whether at school or since, and monetary reward. And that's just within the narrow bounds of middle-classness. When you consider society in its totality, including those born to sink estates (projects), and those born into great personal wealth, your contention is ludicrous.

That's not to say those from more deprived backgrounds cannot succeed, but merely observing the fact that, however hard they struggle, they so rarely do.
 
Posted by Marvin the Martian (# 4360) on :
 
quote:
Originally posted by Doc Tor:
quote:
Originally posted by Marvin the Martian:
Working hard at school is what makes the difference - and that's not about luck, it's about choice.

So how do you explain that the majority - and often the vast majority - of positions in government, the civil service, the judiciary and the media are all taken by those from public school?

That's not about working hard. That's about how wealthy your parents are.

Are those the only areas that matter? I consider myself successful, but I'm not in any of them.
 
Posted by alienfromzog (# 5327) on :
 
I highly recommend Malcolm Gladwell's Outliers

Really interesting read and a brilliant deconstruction of the self-made myth. So many complex factors involved.

For me, The Vail of ignorance is a pretty good place to start. (Wiki link for anyone not familiar)

AFZ
 
Posted by Doc Tor (# 9748) on :
 
quote:
Originally posted by Marvin the Martian:
Are those the only areas that matter? I consider myself successful, but I'm not in any of them.

No. They're not the only areas that matter. If you want more, let's try all these.
 
Posted by Albertus (# 13356) on :
 
quote:
Originally posted by Marvin the Martian:
.... Working hard at school is what makes the difference - and that's not about luck, it's about choice.

Well, there's that. And not having congenital problems that arise from low birthweight and poor development in the womb because of what your mother did or didn't eat and how she lived. And having parents who value you and your development and education, and know how to express that value (which needn't involve spending a lot of money but does involve a lot of commitment of time and attitude). And living in a place where the local council puts resources into things like public libraries and schools and has some imaginative and aspirational ideas about what those resources are for. And growing up in a home that is big enough for you to have some quiet space to do your schoolwork. And not having to spend a lot of time during your schooldays doing paid work, and then leave full time education for employment at the earliest possible opportunity, because your family needs the money.

Lacking these things doesn't inevitably bugger if your life chances, but having them sure as eggs makes it a great deal easier to get on. And apart from them, you're right, it's not about luck, it's about choice.
 
Posted by Doublethink. (# 1984) on :
 
Not being abused also helps. As does not developing a serious chronic illness in your late teens. Timing of divorce or parental death can also be an issue.
 
Posted by Albertus (# 13356) on :
 
And not having to care for a chronically sick or disabled parent. And your family not having to move around from one short-term tenancy to another because that's all the housing market is making available. And...and...and....

But apart from all these minor things, it's all down to choice, eh Marvin? [Roll Eyes]

[ 14. October 2015, 21:34: Message edited by: Albertus ]
 
Posted by Alan Cresswell (# 31) on :
 
And, various external factors. Is it a reflection on your abilities and hard work if someone much more senior makes a really bad decision and the company closes? Or, if that happens in a recession and no one else is hiring?
 
Posted by orfeo (# 13878) on :
 
Height. Height affects salary.

Seriously, there's been a study. And a whole lot of other studies demonstrate in different ways that how someone looks is a huge factor in success in various situations, including job interviews. People make snap decisions within a matter of seconds about people, before they really know anything about their talents or how hard they worked in school.
 
Posted by Leorning Cniht (# 17564) on :
 
quote:
Originally posted by orfeo:
Height. Height affects salary.

Seriously, there's been a study. And a whole lot of other studies demonstrate in different ways that how someone looks is a huge factor in success in various situations, including job interviews.

In US Presidential elections, the tall guy usually wins. This time around, that's Donald Trump. Still, if Hillary's the Democratic candidate, maybe she can nominate Bill as her champion: he and Donald Trump are the same height.
 
Posted by alienfromzog (# 5327) on :
 
quote:
Originally posted by Leorning Cniht:
quote:
Originally posted by orfeo:
Height. Height affects salary.

Seriously, there's been a study. And a whole lot of other studies demonstrate in different ways that how someone looks is a huge factor in success in various situations, including job interviews.

In US Presidential elections, the tall guy usually wins. This time around, that's Donald Trump. Still, if Hillary's the Democratic candidate, maybe she can nominate Bill as her champion: he and Donald Trump are the same height.
Yeah but in the television era it's also usually the guy with the most hair... so Hilary will beat any of them... [Biased]

AFZ
 
Posted by Albertus (# 13356) on :
 
Or Trump will just buy some more.
 
Posted by Karl: Liberal Backslider (# 76) on :
 
Marvin, take three children These are real children. No names, no other information.

Two of them are very bright. One got level 5/6 in all core subjects save writing (because he is probably dysgraphic). Another will almost certainly get the same. Both got 3/4 across the board at the end of KS1.

The third child has mild learning disability. She scraped 1s at the end of KS1. At the age of 7 she can barely read more than a few words at sight and finds sounding out words longer than four or five phonemes challenging and often cannot do it. She has not yet learnt number bonds up to 10.

All work equally hard (or not) at school. The difference is innate. By the end of KS2, at the age of 11, there are some children, even in a small village one class per year school, working at level 3 (that expected of a bright 7 year old) and some at level 6 (equivalent to a grade G GCSE). In some, many, even, cases the higher achieving children are more hard working. In many other cases, however, there are children who do fuck all work and still get high grades (I was one, no, I'm not proud of it, it just happened that I could get top marks without doing much work), and I've also known children who work like devils and still cannot grasp basic principles.

There's way, way more variation than you're willing to admit. I know it makes it easier to cope with people scraping a living and having a bad time of life if you can think to yourself that it's their fault, but you're going to have to face that there's am element of luck as well, even if you do have to add hard work to that.

tl;dr version - you're wrong, Marvin. Painfully wrong.

[ 15. October 2015, 08:49: Message edited by: Karl: Liberal Backslider ]
 
Posted by la vie en rouge (# 10688) on :
 
I thought NP’s point was that people of the baby boomer generation are in a much better financial situation than their children and the reason is not pure hard work and virtue. I do think they were lucky. My parents, who are in their mid-sixties, are much better off than I am. They bought their own home on a fairly modest salary (which would be a pipe dream for most couples in a similar economic situation today) and were able to retire in their early sixties on a pension that gives them considerable disposable income. Think two foreign holidays a year. Good for them, as far as it goes, but the reason is not that they worked harder. I can work just as hard, pay my taxes my whole life, and I won’t be able to retire at anything like the same age on anything like the same income, because in most Western economies the whole retirement/pensions system is a ticking time bomb and when we reach that age people like me are looking at being seriously screwed (technical term).

I believe Marv’s about the same age as me. It’s not unfair to describe the baby boomers as the generation who bankrupted their children. So yes, I do think there is a serious debate to be had about why my parents get to travel free on the bus at the taxpayer’s expense, when they are so much better off than many people younger than them. It’s all very well to say “I worked hard my whole life and I’ve earned it” but what about the generation who are going to work hard our whole lives and are going to have nothing to show for it in the end? The baby boomers may like to call it all hard work, but I think good luck had more to do with it than they care to admit.
 
Posted by Marvin the Martian (# 4360) on :
 
quote:
Originally posted by Karl: Liberal Backslider:
There's way, way more variation than you're willing to admit. I know it makes it easier to cope with people scraping a living and having a bad time of life if you can think to yourself that it's their fault, but you're going to have to face that there's am element of luck as well, even if you do have to add hard work to that.

I've already agreed that there's an element of luck involved, we're just arguing about how significant it is. You seem to be saying it's virtually all luck, which I simply cannot agree with as it strips us all of any responsibility for the development of our own lives. If it's all just luck then there's no point in trying - whether you succeed or fail is entirely out of your hands so you may as well just sit back and enjoy the ride.
 
Posted by Doc Tor (# 9748) on :
 
I don't think anyone's arguing that it's all luck. However, if it wasn't a significant factor that being born to rich parents meant that you'd have a much greater chance (and not just a little bit, and slightly less than guaranteed) of having a well-paid job, then you'd see that in all the 'social mobility' indexes.

If you want to be an Olympic athlete, the best indicator as to whether you succeed is that one or both of your parents were Olympic athletes. Hard work in that context will only take you so far.

And you're not going to convince anyone that children at private school 'deserve' to be there simply because they're harder-working than the rest of their cohort.
 
Posted by Karl: Liberal Backslider (# 76) on :
 
quote:
Originally posted by Marvin the Martian:
quote:
Originally posted by Karl: Liberal Backslider:
There's way, way more variation than you're willing to admit. I know it makes it easier to cope with people scraping a living and having a bad time of life if you can think to yourself that it's their fault, but you're going to have to face that there's am element of luck as well, even if you do have to add hard work to that.

I've already agreed that there's an element of luck involved, we're just arguing about how significant it is. You seem to be saying it's virtually all luck, which I simply cannot agree with as it strips us all of any responsibility for the development of our own lives. If it's all just luck then there's no point in trying - whether you succeed or fail is entirely out of your hands so you may as well just sit back and enjoy the ride.
I'm not arguing it's all luck. Just that luck is an indispensable element. And plenty of people get little enough of it that despite all their hard work they are still shafted. But even if it were all luck, what then? You seem to be arguing from adverse consequences - "if it were, then effort would be pointless". Well, that is true, if it were, then effort would be pointless. But that wouldn't make it any less true, if it were, which no-one is actually arguing it is.

Case in point - Mrs KarlT has two degrees (I have only one), worked far harder at school, got better grades than me, and now earns half as much. I am lucky that I have a brain that finds technical IT stuff easy, for which I am paid. I am paid well because I am lucky enough to have a technical brain. Yes, I've had to do a certain amount of work to make that good fortune work for me, but not as much as many people who are doing a lot worse financially. It's not fair, and it doesn't seem unreasonable that the tax system takes that into account.
 
Posted by Marvin the Martian (# 4360) on :
 
You know what else isn't fair? That people with a natural ability to run really fast win the Olympic 100m contest every single time. Maybe we should bring in an elaborate system of handicapping such that even an unfit bugger like me who hasn't seen the inside of a gym in over a decade has just as much chance of winning the gold medal as all those naturally blessed buggers. They don't deserve their medals! They didn't really earn them, it was just luck that they were born with that ability! And after all, I'd work just as hard over fifty meters as they would over a hundred...
 
Posted by Karl: Liberal Backslider (# 76) on :
 
quote:
Originally posted by Marvin the Martian:
You know what else isn't fair? That people with a natural ability to run really fast win the Olympic 100m contest every single time. Maybe we should bring in an elaborate system of handicapping such that even an unfit bugger like me who hasn't seen the inside of a gym in over a decade has just as much chance of winning the gold medal as all those naturally blessed buggers. They don't deserve their medals! They didn't really earn them, it was just luck that they were born with that ability! And after all, I'd work just as hard over fifty meters as they would over a hundred...

Oh for fuck's sake, this isn't worth it. No-one's struggling to feed themselves and keep a roof over their head over a medal at the olympics. We're talking about economic injustice, not people playing games.
 
Posted by Amanda B. Reckondwythe (# 5521) on :
 
quote:
Originally posted by Marvin the Martian:
You know what else isn't fair? That people with a natural ability to run really fast win the Olympic 100m contest every single time. Maybe we should bring in an elaborate system of handicapping. . . .

Been reading Ayn Rand, have you?
 
Posted by Sioni Sais (# 5713) on :
 
My experience is similar to Karl's, but I didn't work hard at school although I was an only child and my parents gave me every encouragement. Consequently I left with one A level at the lowest possible pass grade. Higher education was a disaster, so I entered the Civil Sevice where I discovered that my mind was suited to IT, or as we called it then, ADP.

It wasn't that suited though, and I was never much of a programmer, but I can make a decent living out of it (just as well with five kids) but what kind of system pays a pretty average business-cum-data analyst more than a qualified classroom teacher (both in the public sector). Quite a bit more too: Eldest Son is in that situation having worked much harder and done far better at school and university than his Dad ever did.

LVER has it dead right: the late-Boomers (I was born in 1957) have had the best of it. We did know that we could be blown to Kingdom Come in minutes, which may have accounted for some homework not getting done, but I could give a very long list of our privileges.
 
Posted by Jane R (# 331) on :
 
la vie en rouge:
quote:
It’s not unfair to describe the baby boomers as the generation who bankrupted their children.
Actually I think it is. Depending on who you ask, I am either one of the youngest baby boomers or one of the oldest of Generation X. I didn't have to pay tuition fees at university (even at what now looks like the bargain-basement rate of £3000 per year) for which I am very grateful, but I graduated in the middle of the last recession but one and am now self-employed with next to no pension provision. It may be tempting to chop the population up into sweeping categories when you are looking for someone to blame for a crisis (and yes, I am guilty of doing it too) but life is not as simple as that.

And a lot of well-off baby boomers are fully aware of the difficulties their younger relatives have and will help if they can. My husband's parents lent us the deposit for our first house, or we'd never have been able to afford to buy even the grotty two-up two-down terraced house right next to a railway that we ended up in.

quote:
So yes, I do think there is a serious debate to be had about why my parents get to travel free on the bus at the taxpayer’s expense, when they are so much better off than many people younger than them.
I can think of several reasons, all of which were probably considered when the Labour government introduced free bus passes:

1. Encouraging people to use public transport instead of cars is a Good Thing. It reduces congestion on the roads, cuts our carbon emissions, etc. etc.

2. Pensioners are the most likely group to increase their use of buses if given free passes because they have free time in the middle of the day when people of working age are (mostly) at work and the buses would otherwise be empty.

3. If you give bus passes to them so they don't have to spend money on travelling to the shops, they will probably (a) go more often, which will improve their physical and mental health (sitting in the house all day is bad for you) and (b) have more money to spend when they get there (which is good for the economy).

On the other hand:

1. I agree that it is unfair to give free bus passes to pensioners and not to other groups on low incomes.

2. A free bus pass is not much use unless you live somewhere with a good bus service, so people in rural areas don't benefit.
 
Posted by Marvin the Martian (# 4360) on :
 
quote:
Originally posted by Amanda B. Reckondwythe:
quote:
Originally posted by Marvin the Martian:
You know what else isn't fair? That people with a natural ability to run really fast win the Olympic 100m contest every single time. Maybe we should bring in an elaborate system of handicapping. . . .

Been reading Ayn Rand, have you?
I've never read a single word she's written (unless it was being quoted by someone else, of course).
 
Posted by Sioni Sais (# 5713) on :
 
quote:
Originally posted by Amanda B. Reckondwythe:
quote:
Originally posted by Marvin the Martian:
You know what else isn't fair? That people with a natural ability to run really fast win the Olympic 100m contest every single time. Maybe we should bring in an elaborate system of handicapping. . . .

Been reading Ayn Rand, have you?
I wonder if our extra-terrestrial knows that handicapping was used in professional athletics, back when the Olympics were still ostensibly amateur.
 
Posted by Jane R (# 331) on :
 
Handicapping is still used in horse races. It makes the race more exciting.
 
Posted by alienfromzog (# 5327) on :
 
I probably should stop linking to my own blog but hey, I wrote it and it's relevant, so there! [Big Grin]

quote:
From An alien's view of earth...
I would be inaccurate to describe my life thus far as a bed of roses or to try to deny that I have had to make sacrifices and work hard to get where I am. I think it is very easy to turn such truths into a self-made-man myth that so pervades our culture. And a myth it really is.

I have had the following huge advantages. I was born in the UK, the sixth richest country in the world. I have had up until university, free education. I went to university when fees were a lot lower than they are now. All through my life I have had access to free healthcare. As a child, I had a mother who had the simple expectation that we would do our best. Nothing more, nothing less. Failure was always acceptable, not trying was not. At various stages of career and life I have had countless valuable opportunities. I lost my mother relatively young but because she planned well, I've had a big headstart financially.

So I find myself with a home, a career that is challenging and rewarding and interesting. I have true and real friends. I have traveled widely, I have an expensive and interesting hobby. This could end up being s long, long list. It is true that I have made much of what has been given to me, but seriously how much have I been given!!

AFZ
 
Posted by Doc Tor (# 9748) on :
 
quote:
Originally posted by Marvin the Martian:
You know what else isn't fair?

No one gives shit. Seriously. We're talking about luck, not fairness.

If you want a better analogy, it's that the kids who can really run fast are excluded from the running club where they might train because they can't afford the fucking fees.

That's not fair.
 
Posted by orfeo (# 13878) on :
 
quote:
Originally posted by Marvin the Martian:
You know what else isn't fair? That people with a natural ability to run really fast win the Olympic 100m contest every single time. Maybe we should bring in an elaborate system of handicapping such that even an unfit bugger like me who hasn't seen the inside of a gym in over a decade has just as much chance of winning the gold medal as all those naturally blessed buggers. They don't deserve their medals! They didn't really earn them, it was just luck that they were born with that ability! And after all, I'd work just as hard over fifty meters as they would over a hundred...

One of the stupider paragraphs you've ever generated.

You know what? I'm naturally intelligent. It's been a huge factor in me being able to get a satisfying job with an excellent salary.

But there is also ample evidence that my mother's family has been full of highly intelligent people for several generations. They didn't get excellent salaries because they simply had no opportunity to go into higher education. It just wasn't viable for people of their background until major reforms here around the 1970s. Mum's kid brother was the first person in the family able to benefit from these reforms. He got a PhD.

The difference between me and, say, my grandparents isn't that I worked hard and they were lazy. The difference is that I was born into an environment where there was an opportunity to use my brain pretty much however I decided, and they weren't. In your analogy, I come from a family of fast runners and it wasn't until recently that we had any training facilities available to harness that talent.

[ 15. October 2015, 15:41: Message edited by: orfeo ]
 
Posted by Marvin the Martian (# 4360) on :
 
quote:
Originally posted by Doc Tor:
quote:
Originally posted by Marvin the Martian:
You know what else isn't fair?

No one gives shit. Seriously. We're talking about luck, not fairness.
Karl brought up fairness first.
 
Posted by Doc Tor (# 9748) on :
 
quote:
Originally posted by Marvin the Martian:
quote:
Originally posted by Doc Tor:
quote:
Originally posted by Marvin the Martian:
You know what else isn't fair?

No one gives shit. Seriously. We're talking about luck, not fairness.
Karl brought up fairness first.
Fairness in the tax system. Not in life.
 
Posted by Anglicano (# 18476) on :
 
quote:
Originally posted by no prophet's flag is set so...:


So you should be means tested Anglicano, because you can afford it,.

In Australia you only get an "age pension" if you have failed to make provision for yourself. Do you think that's fair? Why bother to save for retirement if the state will bail you out? I must read that Wise and Foolish Virgin parable again.
 
Posted by Leorning Cniht (# 17564) on :
 
quote:
Originally posted by Anglicano:
In Australia you only get an "age pension" if you have failed to make provision for yourself. Do you think that's fair?

I don't think we want to leave people, however spendthrift, to starve in the street. So those with nothing get something.

I'm not a fan of means-testing benefits: you usually end up with rapid withdrawal rates and a complicated administration. You can produce a very similar effect with a universal benefit, recovering the extra benefit from the wealthy in tax, so you need to look at the whole picture and not get hung up on details.
 
Posted by lilBuddha (# 14333) on :
 
quote:
Originally posted by Marvin the Martian:
quote:
Originally posted by Amanda B. Reckondwythe:
Been reading Ayn Rand, have you?

I've never read a single word she's written (unless it was being quoted by someone else, of course).
Well, don't. If you recover from your paroxysm of orgasmic rapture, you will give up Christianity and erect an alter to her.
 
Posted by Golden Key (# 1468) on :
 
Many people have never made enough to save. (Yes, really.) Many people did save, but lost the money through no fault of their own: medical expenses (which can bankrupt you, here in the US); an economic crunch like the Great Recession (more of a depression) a few years back; natural disasters, etc.

Many people never have the option of a pension through work. And a lot of pension money was lost during the recession. IIRC, some companies dropped pensions altogether.

Maybe Anglicano and Marvin haven't experienced this, but it's quite possible to do all the right things and not get the right result.
 
Posted by Albertus (# 13356) on :
 
quote:
Originally posted by Anglicano:
quote:
Originally posted by no prophet's flag is set so...:


So you should be means tested Anglicano, because you can afford it,.

In Australia you only get an "age pension" if you have failed to make provision for yourself. Do you think that's fair? Why bother to save for retirement if the state will bail you out? I must read that Wise and Foolish Virgin parable again.
But AIUI pretty much all Australian 'pensions' (what we would call 'benefits' here, including those for people of working age) are means-tested and non-contributory, historically balanced for working people by a tradition of judicially-decided living wage settlements. It's a different social security culture altogether.
 
Posted by Karl: Liberal Backslider (# 76) on :
 
quote:
Originally posted by Golden Key:
Many people have never made enough to save. (Yes, really.) Many people did save, but lost the money through no fault of their own: medical expenses (which can bankrupt you, here in the US); an economic crunch like the Great Recession (more of a depression) a few years back; natural disasters, etc.

Many people never have the option of a pension through work. And a lot of pension money was lost during the recession. IIRC, some companies dropped pensions altogether.

Maybe Anglicano and Marvin haven't experienced this, but it's quite possible to do all the right things and not get the right result.

To be fair to Marvin, at least the fact he's trying to salve his conscience by reconstructing reality in his head so that people who are in the shit deserve to be, it demonstrates he's actually got a conscience to salve.

It shows the presence of some hope.
 
Posted by lilBuddha (# 14333) on :
 
quote:
Originally posted by Karl: Liberal Backslider:
To be fair to Marvin, at least the fact he's trying to salve his conscience by reconstructing reality in his head so that people who are in the shit deserve to be, it demonstrates he's actually got a conscience to salve.

It shows the presence of some hope.

Ha! You would make a good, battered spouse with that logic.
 
Posted by Karl: Liberal Backslider (# 76) on :
 
quote:
Originally posted by lilBuddha:
quote:
Originally posted by Karl: Liberal Backslider:
To be fair to Marvin, at least the fact he's trying to salve his conscience by reconstructing reality in his head so that people who are in the shit deserve to be, it demonstrates he's actually got a conscience to salve.

It shows the presence of some hope.

Ha! You would make a good, battered spouse with that logic.
Hey, just trying to be charitable. I actually quite like Marvin despite his completely unrealistic idea of how the world actually works and how reality actually is for lots of people he knows nothing about.
 
Posted by lilBuddha (# 14333) on :
 
In all seriousness, Karl, likeability hasn't a thing to do with it.
The philosophy that people deserve their circumstance allows us to ignore the less fortunate and allows those with more to take even more.
Not a Buddhist value and not a Christian value.
 
Posted by Karl: Liberal Backslider (# 76) on :
 
I agree. But people without a conscience do not need to be "allowed" to do so by a mistaken impression. Therefore those who take this line are those with consciences. And that's where hope lies; if they see the reality they may change their attitudes.
 
Posted by lilBuddha (# 14333) on :
 
quote:
Originally posted by Karl: Liberal Backslider:
I agree. But people without a conscience do not need to be "allowed" to do so by a mistaken impression. Therefore those who take this line are those with consciences. And that's where hope lies; if they see the reality they may change their attitudes.

Oh, but I disagree. I think that is far too simplistic a view for a start. And conscience seems far too easily assuaged to be very strong, in many cases.
 
Posted by Anglicano (# 18476) on :
 
Can I mention Australia again (I lived there from 2001-05)? People with employer-based pension could/can draw a lump sum and invest it as they wanted. Now G Osborne's introduced that to the UK. Great. It gives freedom to use your money as you want.

But be careful. We are not all Wise Virgins. people can (and do) misinvest the monies, spend it on holidays or for all I know put it on a racehorse. And then? The state steps in and they draw benefits.

In the refined world of Tory politicians, we are all prudent. We live in a property-owning, share-owning democracy. With their limited vision and experience of the real world, that's perhaps how Messrs Cameron and Osborne see life. And quite possibly the Taxpayers' Alliance have this perception too. Though whether they approve of bailing out the improvident, I'm not sure.
 
Posted by lilBuddha (# 14333) on :
 
Rubbish all of it. In a Tory world, poor people don't matter one tiny bit.
Investment based retirement is rubbish as well. For one it relies on factors the average person cannot control. Imagine depending on those funds at the height of that recent mess we are still recovering from. Even the safest investment is a gamble.
 
Posted by Sioni Sais (# 5713) on :
 
quote:
Originally posted by Anglicano:
Can I mention Australia again (I lived there from 2001-05)? People with employer-based pension could/can draw a lump sum and invest it as they wanted. Now G Osborne's introduced that to the UK. Great. It gives freedom to use your money as you want.

But be careful. We are not all Wise Virgins. people can (and do) misinvest the monies, spend it on holidays or for all I know put it on a racehorse. And then? The state steps in and they draw benefits.

In the refined world of Tory politicians, we are all prudent. We live in a property-owning, share-owning democracy. With their limited vision and experience of the real world, that's perhaps how Messrs Cameron and Osborne see life. And quite possibly the Taxpayers' Alliance have this perception too. Though whether they approve of bailing out the improvident, I'm not sure.

All the Tories and their pals are interested in is making money and increasing their wealth at the expense of others. They do that by rigging the tax system so that ordinary people actually pay more tax than the rich and the companies owned by the rich. As for pension plans these benefit those who run and own them for more than those who contribute to them.
 
Posted by Golden Key (# 1468) on :
 
Sioni Sais--

The Tories sound like our Republicans.
[Frown]
 
Posted by Marvin the Martian (# 4360) on :
 
quote:
Originally posted by Sioni Sais:
All the Tories and their pals are interested in is making money and increasing their wealth

Fixed that for you.

So many people make it sound like they're deliberately and maliciously trying to make things harder for the poor. They're not - they're just doing what they can to make themselves better off, and the effects on anyone else are utterly irrelevant.

They don't hate poor people, because to hate someone you've first got to actually think about them.
 
Posted by lilBuddha (# 14333) on :
 
quote:
Originally posted by Marvin the Martian:
quote:
Originally posted by Sioni Sais:
All the Tories and their pals are interested in is making money and increasing their wealth

Fixed that for you.

So many people make it sound like they're deliberately and maliciously trying to make things harder for the poor. They're not - they're just doing what they can to make themselves better off, and the effects on anyone else are utterly irrelevant.

They don't hate poor people, because to hate someone you've first got to actually think about them.

How on earth do you think this is better?
 
Posted by Adeodatus (# 4992) on :
 
quote:
Originally posted by Marvin the Martian:
quote:
Originally posted by Sioni Sais:
All the Tories and their pals are interested in is making money and increasing their wealth

Fixed that for you.

So many people make it sound like they're deliberately and maliciously trying to make things harder for the poor. They're not - they're just doing what they can to make themselves better off, and the effects on anyone else are utterly irrelevant.

They don't hate poor people, because to hate someone you've first got to actually think about them.

Almost, but not quite. In their perpetual quest to hoover up every last penny, the Tories occasionally look around and see that the poor still have some money that, for them, would be far better used elsewhere - usually offshore. So schloooop, up it goes into the big Tory dustbag, and the poor can go fuck themselves. Or, since the'll now be half-starved and won't have the energy to go fuck themselves, they can always spend the evening hanging out down at the local foodbank.

I'm with Nye Bevan on this one: "No amount of cajolery, and no attempts at ethical or social seduction, can eradicate from my heart a deep burning hatred for the Tory Party. So far as I am concerned they are lower than vermin."
 
Posted by Gee D (# 13815) on :
 
quote:
Originally posted by Albertus:

But AIUI pretty much all Australian 'pensions' (what we would call 'benefits' here, including those for people of working age) are means-tested and non-contributory, historically balanced for working people by a tradition of judicially-decided living wage settlements. It's a different social security culture altogether.

Except of course that we contribute through the taxes we pay (and continue to pay after retirement). Once Madame and I retire, the only benefit we shall receive is that after some sort of qualifying period we receive a card entitling us to reduced fares on public transport in our own state - not in any of the others. Those on age pensions get their pension, cheap public transport in all states, reductions on gas, water and electricity supplies and on the local council rates. None of which I begrudge them; as Albertus says (if no longer entirely accurate), for many years a minimum wage was fixed based upon the concept that a married man needed a certain income to support a wife and 2 children. You can guess the age of the system from that. On that wage, commonly a mortgage was paid, so that by the time a person retired they owned their own house and with care could manage on the age pension and a bit of savings.

The last 30 years has seen the widespread rise of superannuation schemes, privately run, and to which employers are required to contribute. That is what Anglicano is referring to. Until then, such schemes were by and large limited to the public service, and such employers as banks, insurance companies and for white collar workers in large private companies.
 
Posted by Albertus (# 13356) on :
 
quote:
Originally posted by Gee D:
quote:
Originally posted by Albertus:

But AIUI pretty much all Australian 'pensions' (what we would call 'benefits' here, including those for people of working age) are means-tested and non-contributory, historically balanced for working people by a tradition of judicially-decided living wage settlements. It's a different social security culture altogether.

Except of course that we contribute through the taxes we pay (and continue to pay after retirement).

Oh yes, sure. But non-contributory in the sense that entitlement to, or amount of, a pension does not depend on having paid into a social insurance scheme- unlike the state retirement pension in the UK (now however often augmented with means-tested top ups).
 
Posted by Gee D (# 13815) on :
 
I understood what you meant Albertus - your use of "non-contributory" takes it to an insurance scheme. The point I was making is that there is no such thing as a free lunch. I don't mind any of my tax dollars going towards age pensions (not so sure about some receiving other benefits), but the money does have to come from somewhere.
 
Posted by Albertus (# 13356) on :
 
Agree completely.
 
Posted by lilBuddha (# 14333) on :
 
quote:
Originally posted by Karl: Liberal Backslider:
I agree. But people without a conscience do not need to be "allowed" to do so by a mistaken impression. Therefore those who take this line are those with consciences. And that's where hope lies; if they see the reality they may change their attitudes.

All societies have contracts, both legal and implied which govern how we interact. Violate those too far and you have unrest, protest and Revolution. People without a conscience, but with a functioning understanding of this, use rhetoric as a mask. They use it as a way to convince you that it is their pocket you have on your trousers.
But you also miss the True Believers with your view. Many of them have sympathy for the poor. They might fund charity, but they will still favour a system which benefits themselves and ultimately keeps the poor in their place.
And if hope is the only thing you do, then you deserve what you get.
Every single government on this planet governs at the acceptance of its people. Now, if one's government has a gun to one's head or a tank parked in the garden, I will cut them some slack as to their response. But the rest of us, living in countries where the government needs our permission to steal from us? Not so much.

[ 19. October 2015, 17:29: Message edited by: lilBuddha ]
 
Posted by Sipech (# 16870) on :
 
In a quite unexpected move, one of the most respectable faces of neoliberalism in the UK, the Adam Smith Institute, has called for the Conservatives to reverse the cuts to tax credits.

For US readers, this is like the NRA saying "hold on, maybe we shouldn't be selling this kind of gun to the general public."
 
Posted by Golden Key (# 1468) on :
 
Hmmmm...maybe we could get them to infiltrate the NRA? Or just *buy* it, like the NRA buys people.
 
Posted by lilBuddha (# 14333) on :
 
From Businessinsider.com: (2013 article)

quote:
In its early days, the National Rifle Association was a grassroots social club that prided itself on independence from corporate influence.

While that is still part of the organization's core function, today less than half of the NRA's revenues come from program fees and membership dues.

The bulk of the group's money now comes in the form of contributions, grants, royalty income, and advertising, much of it originating from gun industry sources.

Since 2005, the gun industry and its corporate allies have given between $20 million and $52.6 million to it through the NRA Ring of Freedom sponsor program. Donors include firearm companies like Midway USA, Springfield Armory Inc, Pierce Bullet Seal Target Systems, and Beretta USA Corporation. Other supporters from the gun industry include Cabala's, Sturm Rugar & Co, and Smith & Wesson.

The NRA also made $20.9 million — about 10 percent of its revenue — from selling advertising to industry companies marketing products in its many publications in 2010, according to the IRS Form 990.

This is just what has gone into their coffers, the gun industry is a ~$15 billion industry, so yeah, a bidding war would work.
IMO, its leadership is insane as well as in the pocket of the gun industry.
 
Posted by Brenda Clough (# 18061) on :
 
I live near the NRA's headquarters, in northern Virginia. They have a Gun Museum on the ground floor of their building. It is a wow -- shows you what God could really do, if only He had the money. It is far, far more luxe than any museum you have ever been to. All guns, of course. They are stored in cases that are kept dark, to preserve then from damaging ultraviolet light. But as you approach the case the motion-sensor notes your presence and turns the lights on, so that you can admire Teddy Roosevelt's elephant rifle or whatever it is. You can walk down the exhibit hall in a moving pool of light, as the cases light up for your delectation and then go dim again behind you. Only the Declaration of Independence, down at the National Archives, is housed at an equivalent level.
 


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