Dibden Purlieu Saint Posted 6 December, 2012 Author Share Posted 6 December, 2012 Virtually everyone is facing some sort of cut backs. Giving state handouts to people on 50K in the current situation is just complete bonkers. We're not saying that it isn't?? Link to comment Share on other sites More sharing options...
egg Posted 6 December, 2012 Share Posted 6 December, 2012 Virtually everyone is facing some sort of cut backs. Giving state handouts to people on 50K in the current situation is just complete bonkers. What DPS said. Link to comment Share on other sites More sharing options...
Jonnyboy Posted 6 December, 2012 Share Posted 6 December, 2012 Lovely (albeit ridiculous) rant but it avoids the question. It is greedy to ask for something that you don't need. It is not "greedy" or "pathetic" or "sick" to feel unhappy that something that always has been given is taken away. I would imagine that many families with one earner just over £50k will be hit very hard by this. Some will have large mortgages, various children, only one earner, debts and so on. People have had about 2 years notice about the cut. Plenty of time to adjust household budget. Link to comment Share on other sites More sharing options...
Whitey Grandad Posted 6 December, 2012 Share Posted 6 December, 2012 Virtually everyone is facing some sort of cut backs. Giving state handouts to people on 50K in the current situation is just complete bonkers. It's not a handout, just returning a fraction of the money taken. Link to comment Share on other sites More sharing options...
Whitey Grandad Posted 6 December, 2012 Share Posted 6 December, 2012 People have had about 2 years notice about the cut. Plenty of time to adjust household budget. How does having a lot of notice give you more money? Link to comment Share on other sites More sharing options...
aintforever Posted 6 December, 2012 Share Posted 6 December, 2012 We're not saying that it isn't?? Well at least we all agree then. I would cut it much further, it's a completely outdated idea. When the news broke I was amazed that people earning so much got the benefits. even in a good financial climate it would be better targeted to people who need it, not just want it. I hate dole scroungers but at least they would spend it not just shove it in a bank. Link to comment Share on other sites More sharing options...
anothersaintinsouthsea Posted 6 December, 2012 Share Posted 6 December, 2012 Virtually everyone is facing some sort of cut backs. Giving state handouts to people on 50K in the current situation is just complete bonkers. Personal questions then, choose not to answer if you prefer: are you currently receiving any form of benefit or tax relief or have you ever in the past? Link to comment Share on other sites More sharing options...
aintforever Posted 6 December, 2012 Share Posted 6 December, 2012 It's not a handout, just returning a fraction of the money taken. It's still a handout. And could be put to better use. Link to comment Share on other sites More sharing options...
anothersaintinsouthsea Posted 6 December, 2012 Share Posted 6 December, 2012 It's not a handout, just returning a fraction of the money taken. Exactly, anyone earning this much is already paying way more tax than they get back. Link to comment Share on other sites More sharing options...
egg Posted 6 December, 2012 Share Posted 6 December, 2012 People have had about 2 years notice about the cut. Plenty of time to adjust household budget. Adjust your mortgage? Your number of kids? Your 3 year loan? Your 3 year car finance? Link to comment Share on other sites More sharing options...
aintforever Posted 6 December, 2012 Share Posted 6 December, 2012 Personal questions then, choose not to answer if you prefer: are you currently receiving any form of benefit or tax relief or have you ever in the past? Nope. I'm not in the top tax bracket but me and my wife earn above average salaries. I wouldn't expect handouts if I had a kid. Link to comment Share on other sites More sharing options...
egg Posted 6 December, 2012 Share Posted 6 December, 2012 It's still a handout. And could be put to better use. It's a long established non means tested benefit. Should we take the state pension away from those with decent pensions? Link to comment Share on other sites More sharing options...
aintforever Posted 6 December, 2012 Share Posted 6 December, 2012 It's a long established non means tested benefit. Should we take the state pension away from those with decent pensions? Might have to in the future. I wouldn't be against it for the very richest. Link to comment Share on other sites More sharing options...
anothersaintinsouthsea Posted 6 December, 2012 Share Posted 6 December, 2012 Nope. I'm not in the top tax bracket but me and my wife earn above average salaries. I wouldn't expect handouts if I had a kid. Ever paid cash in hand? Link to comment Share on other sites More sharing options...
aintforever Posted 6 December, 2012 Share Posted 6 December, 2012 Ever paid cash in hand? yeah, of course Link to comment Share on other sites More sharing options...
egg Posted 6 December, 2012 Share Posted 6 December, 2012 Might have to in the future. I wouldn't be against it for the very richest. Why not now? If you feel there's an acceptable threshold to lose one well established, non means tested state payment, you presumably feel that there is an acceptable threshold to lose another? Link to comment Share on other sites More sharing options...
egg Posted 6 December, 2012 Share Posted 6 December, 2012 yeah, of course So happy to preach on for cuts to be made but will take tax out of the system. Link to comment Share on other sites More sharing options...
Whitey Grandad Posted 6 December, 2012 Share Posted 6 December, 2012 So what's the difference in principle between child allowance and the initial tax-free allowance? Link to comment Share on other sites More sharing options...
Whitey Grandad Posted 6 December, 2012 Share Posted 6 December, 2012 Well at least we all agree then. I would cut it much further, it's a completely outdated idea. When the news broke I was amazed that people earning so much got the benefits. even in a good financial climate it would be better targeted to people who need it, not just want it. I hate dole scroungers but at least they would spend it not just shove it in a bank. Means-testing costs a fortune. Link to comment Share on other sites More sharing options...
Dibden Purlieu Saint Posted 6 December, 2012 Author Share Posted 6 December, 2012 People have had about 2 years notice about the cut. Plenty of time to adjust household budget. I got the letter 4 days ago, so not exactly true is it? When applying in September there was no information informing us that it would change either. Link to comment Share on other sites More sharing options...
aintforever Posted 6 December, 2012 Share Posted 6 December, 2012 So happy to preach on for cuts to be made but will take tax out of the system. If I pay someone cash it's up to them if they want to pay tax on it. Anyway I include myself when I say society is greedy, we have all grown up in a system where greed is good. 50K earners crying like babies when they have their had outs taken away is just a really sick example. Link to comment Share on other sites More sharing options...
Dibden Purlieu Saint Posted 6 December, 2012 Author Share Posted 6 December, 2012 Might have to in the future. I wouldn't be against it for the very richest. It should be for anyone who can afford to put into a pension. So anyone on more than £15k a year I reckon. Link to comment Share on other sites More sharing options...
Dibden Purlieu Saint Posted 6 December, 2012 Author Share Posted 6 December, 2012 If I pay someone cash it's up to them if they want to pay tax on it. Anyway I include myself when I say society is greedy, we have all grown up in a system where greed is good. 50K earners crying like babies when they have their had outs taken away is just a really sick example. You can tell by the language being used he's on a wind up. No one is crying in anyway. Link to comment Share on other sites More sharing options...
egg Posted 6 December, 2012 Share Posted 6 December, 2012 If I pay someone cash it's up to them if they want to pay tax on it. Anyway I include myself when I say society is greedy, we have all grown up in a system where greed is good. 50K earners crying like babies when they have their had outs taken away is just a really sick example. Bless you. Nobody is crying on here. Sadly some people will be hit very hard by this. You clearly don't get that income doesn't always equate to disposable income. Link to comment Share on other sites More sharing options...
anothersaintinsouthsea Posted 6 December, 2012 Share Posted 6 December, 2012 If I pay someone cash it's up to them if they want to pay tax on it. Anyway I include myself when I say society is greedy, we have all grown up in a system where greed is good. 50K earners crying like babies when they have their had outs taken away is just a really sick example. You pay cash in hand knowing that the discount you've received is because tax won't be paid on it. It doesn't matter how many times you say it, it won't make it true. No one is crying like baby. Link to comment Share on other sites More sharing options...
aintforever Posted 6 December, 2012 Share Posted 6 December, 2012 You can tell by the language being used he's on a wind up. No one is crying in anyway. I'm not saying anyone on here is, they were having a right moan on the news about it tho. Link to comment Share on other sites More sharing options...
Jonnyboy Posted 6 December, 2012 Share Posted 6 December, 2012 Adjust your mortgage? Your number of kids? Your 3 year loan? Your 3 year car finance? £80 quid a month? Cancel Sky if you care about your kids so much. Link to comment Share on other sites More sharing options...
egg Posted 6 December, 2012 Share Posted 6 December, 2012 I'm not saying anyone on here is, they were having a right moan on the news about it tho. Did you stop to think that perhaps it was because they might be affected, or just presume that they were sick and greedy? Link to comment Share on other sites More sharing options...
egg Posted 6 December, 2012 Share Posted 6 December, 2012 £80 quid a month? Cancel Sky if you care about your kids so much. That's for one kid. Some people have more. We ain't in china. Link to comment Share on other sites More sharing options...
Viking Warrior Posted 6 December, 2012 Share Posted 6 December, 2012 What I don't understand is how married couple who have a joint income of 70k plus get tax credits and child benefits how does this work Link to comment Share on other sites More sharing options...
Jonnyboy Posted 6 December, 2012 Share Posted 6 December, 2012 http://uk.news.yahoo.com/more-disabled-workers-face-job-loss-104502782.html And then DLA is being cut too. Link to comment Share on other sites More sharing options...
Dibden Purlieu Saint Posted 7 December, 2012 Author Share Posted 7 December, 2012 £80 quid a month? Cancel Sky if you care about your kids so much. Such an immature attitude towards the whole situation. I assume you don't have kids, because your attitude would be very different. Link to comment Share on other sites More sharing options...
Jonnyboy Posted 7 December, 2012 Share Posted 7 December, 2012 (edited) Such an immature attitude towards the whole situation. I assume you don't have kids, because your attitude would be very different. I do have kids actually. I just don't overspend on crap I don't need. Edited 7 December, 2012 by Jonnyboy Link to comment Share on other sites More sharing options...
Thedelldays Posted 7 December, 2012 Share Posted 7 December, 2012 Such an immature attitude towards the whole situation. I assume you don't have kids, because your attitude would be very different. you could always downsize from your BMW M3 convertible they are monsters to run Link to comment Share on other sites More sharing options...
Dibden Purlieu Saint Posted 7 December, 2012 Author Share Posted 7 December, 2012 I do have kids actually. I just don't overspend on crap I don't need. I think there are quite a few people misunderstanding the premise of this thread, and the reason for it's existence. Link to comment Share on other sites More sharing options...
Dibden Purlieu Saint Posted 7 December, 2012 Author Share Posted 7 December, 2012 you could always downsize from your BMW M3 convertible they are monsters to run Actually cheaper to run than our Volvo estate surprisingly, and no more than the old TT either. Link to comment Share on other sites More sharing options...
Thedelldays Posted 7 December, 2012 Share Posted 7 December, 2012 Actually cheaper to run than our Volvo estate surprisingly, and no more than the old TT either. really...fair enough. I had an M3 in 2004....it cost a fortune to run..then again, I earn quite a bit more now than then though I guess Link to comment Share on other sites More sharing options...
Dibden Purlieu Saint Posted 7 December, 2012 Author Share Posted 7 December, 2012 really...fair enough. I had an M3 in 2004....it cost a fortune to run..then again, I earn quite a bit more now than then though I guess The Volvo does about 24mpg, it's an automatic so that makes a big difference, and I average about 26 out of the M3. However, I do need some new rear tyres for it Link to comment Share on other sites More sharing options...
buctootim Posted 7 December, 2012 Share Posted 7 December, 2012 The Volvo does about 24mpg, it's an automatic so that makes a big difference, and I average about 26 out of the M3. However, I do need some new rear tyres for it So if you ignore road tax, tyres, insurance, depreciation and servicing and only count the marginal 2mpg, its cheaper to run? Link to comment Share on other sites More sharing options...
the stain Posted 7 December, 2012 Share Posted 7 December, 2012 What are you on about? You seem to have got yourself all confused. I have not said I am deserving financially, however it's frustrating that something that has ALWAYS been available for everyone gets removed just after I have had my first child. The same with paying for University. You can be frustrated about something yet agree with the reasons why they came to fruition. You're right, I am confused. You're moaning about not getting handouts although you are now saying you're not financially deserving. You have previously on this board said that you're a Tory, so surely you believe that people should be looking after themselves and not relying on handouts. So, you're moaning about something that you agree with? Is that it? Link to comment Share on other sites More sharing options...
iansums Posted 7 December, 2012 Share Posted 7 December, 2012 The Volvo does about 24mpg, it's an automatic so that makes a big difference, and I average about 26 out of the M3. However, I do need some new rear tyres for it I think you can make some considerable savings that will negate your 'loss' of child benefit. This is a good example of why someone in your position (and the same goes for me) should not be getting child benefit. Link to comment Share on other sites More sharing options...
Dibden Purlieu Saint Posted 7 December, 2012 Author Share Posted 7 December, 2012 So if you ignore road tax, tyres, insurance, depreciation and servicing and only count the marginal 2mpg, its cheaper to run? Road tax is more in the Volvo (£190 a year more), insurance is about the same (Volvo insured under me, M3 under her), servicing is about the same (had the big service done as part of the sale last year, back to standard service for the next 25000 miles). Tires are a bit more, £60 per tyre). And depreciation, I don't know frankly, Volvo probably more as we cane the miles out on that one. So yes, it is cheaper to run. Link to comment Share on other sites More sharing options...
Dibden Purlieu Saint Posted 7 December, 2012 Author Share Posted 7 December, 2012 You're right, I am confused. You're moaning about not getting handouts although you are now saying you're not financially deserving. You have previously on this board said that you're a Tory, so surely you believe that people should be looking after themselves and not relying on handouts. So, you're moaning about something that you agree with? Is that it? I explained my position above. As said, you can be frustrated about something even if you agree with the reasoning. In addition to this, you can vote Tory without having the all the Tory traits. It's not all black and white, there is also a myriad of greys... Link to comment Share on other sites More sharing options...
Dibden Purlieu Saint Posted 7 December, 2012 Author Share Posted 7 December, 2012 I think you can make some considerable savings that will negate your 'loss' of child benefit. This is a good example of why someone in your position (and the same goes for me) should not be getting child benefit. Oh definitely, and we will cut our cloth accordingly. Link to comment Share on other sites More sharing options...
Whitey Grandad Posted 7 December, 2012 Share Posted 7 December, 2012 I think you can make some considerable savings that will negate your 'loss' of child benefit. This is a good example of why someone in your position (and the same goes for me) should not be getting child benefit. This is an example of why the arguments can get confused. It used to be called 'child allowance'. Now whether you think it right that the state should help parents or not is a different matter, but giving back to the earner a small part of what they earn is not a 'benefit' or 'gift' in my understanding. Such people are already paying more than their fair share of the cost of running our society, in my opinion. Link to comment Share on other sites More sharing options...
Dibden Purlieu Saint Posted 7 December, 2012 Author Share Posted 7 December, 2012 This is an example of why the arguments can get confused. It used to be called 'child allowance'. Now whether you think it right that the state should help parents or not is a different matter, but giving back to the earner a small part of what they earn is not a 'benefit' or 'gift' in my understanding. Such people are already paying more than their fair share of the cost of running our society, in my opinion. Just found out about Childcare vouchers - they look pretty helpful actually. Link to comment Share on other sites More sharing options...
Clapham Saint Posted 7 December, 2012 Share Posted 7 December, 2012 Just found out about Childcare vouchers - they look pretty helpful actually. It is an outrage that you (or I) are allowed to use them. We should pay double for our childcare to fund both our own children and those of other families earning marginally less than ours. Link to comment Share on other sites More sharing options...
Dibden Purlieu Saint Posted 7 December, 2012 Author Share Posted 7 December, 2012 :lol: Link to comment Share on other sites More sharing options...
Doctoroncall Posted 7 December, 2012 Share Posted 7 December, 2012 Just found out about Childcare vouchers - they look pretty helpful actually. and tax free... I've used care-4 which is an easy way to do it, some employers also give an incentive (shh) to use them. Also this link maybe helpful on Government Childcare Vouchers - Better Off Calculator: www.gov.uk/childcare-vouchers-better-off-calculator Link to comment Share on other sites More sharing options...
Dibden Purlieu Saint Posted 7 December, 2012 Author Share Posted 7 December, 2012 and tax free... I've used care-4 which is an easy way to do it, some employers also give an incentive (shh) to use them. Also this link maybe helpful on Government Childcare Vouchers - Better Off Calculator: www.gov.uk/childcare-vouchers-better-off-calculator And NI! Not sure about student Loan though. My company gives a 4% incentive - better than nothing!! Link to comment Share on other sites More sharing options...
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