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#1 Shotoflight

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Posted 21 February 2012 - 12:59 PM

Benefit families speak out

http://www.bbc.co.uk/news/uk-16876486

Father-of-five Ade, like Raymond, is happy to detail his income and expenditure. But unlike unemployed Raymond, who has not worked for more than a decade, Ade works as a full-time systems analyst, on take-home pay of 20,592.

But because he and his wife Christine have a large family, including a child with autism, the couple are also entitled to a range of benefits that boosts their income to 40,874 a year.

Like millions of other British families they fund their lifestyle on a mixture of wages and benefits. And that means - despite Ade's relatively modest income (just above the UK median salary) - they are able to run two cars and take a low-cost annual holiday with their children.

The family's biggest outgoing is the mortgage on their home, a three-bedroom end-of-terrace. But, says Ade: "One day we will own it outright so it's not wasted money."

Ade says: "We live a very easy life. We are pretty happy with what we have."

Ade says he has no problem at all with claiming benefits that almost double his salary.

Ade used to work for the Benefits Agency in London and handled dozens of claims every year.

"Once I handled a claim from someone who had not worked in 18 years. It was then I decided to leave the agency," he says

Edited by Shotoflight, 21 February 2012 - 01:13 PM.


#2 Jason

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Posted 21 February 2012 - 01:05 PM

BBC: "So the first article didn't get public support for the anti cuts brigade, now we've tried again".

Edit: Now I've read it, they get 20,592 in benefits. So they will not be affected by the cut; I'm not really sure what the article is trying to achieve apart from saying the cost of living is astronomical.

They also could save on the 5,980 they give to church, I don't disagree with this - just the amount as that's rather high!
House Price changes
NO LONGER UPDATED.



----------------------- Peak ---------- Trough -(% trough fall) - Current - (% from peak) - (% from Trough)

Halifax: -------------- Aug07 199,612 - Apr09 154,490 (-22.60%) - Oct09 165,528 (-17.08%) - (+07.14%)

Nationwide: ----------- Oct07 186,044 - Feb09 147,746 (-20.59%) - Oct09 162,038 (-12.90%) - (+09.67%)

Rightmove: ------------ May08 242,500 - Jan09 213,570 (-11.93%) - Nov09 226,440 (-06.62%) - (+06.03%)

DCLG (formerly ODPM): - Jan08 221,758 - Mar09 187,193 (-15.59%) - Jul09 196,338 (-11.46%) - (+04.89%)

Land Registry (Mth): -- Nov07 186,009 - Apr09 152,803 (-17.85%) - Sep09 158,377 (-14.86%) - (+03.64%)

FT HPI: --------------- Feb08 231,804 - Apr09 199,953 (-13.74%) - Aug09 205,338 (-11.42%) - (+02.69%)

Land Registry (Qtr): -- Q307 230,474 -- Q109 198,939  (-13.68%) - Q209 224,064  (-02.78%) -- (+12.63%)

Topic Link: http://www.housepric...howtopic=127421
Links: Halifax, Nationwide, Rightmove, Land Registry (monthly), Land Registry (Raw data - Quarterly).
____________________________________________

Read what the papers said during the last crash: Here.

#3 8 year itch

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Posted 21 February 2012 - 01:16 PM

I am interested to learn how much extra they get in child tax credit due to the disability of the son. Anyone know how to work it out?

There is no ladder.

JY


No need to sell up, the next phase of the economics cycle is going to be very positive for anyone that owns property.

All I'm sayings is, don't listen to the property bears people, they are wrong.


#4 8 year itch

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Posted 21 February 2012 - 01:18 PM

BBC: "So the first article didn't get public support for the anti cuts brigade, now we've tried again".

Don't smoke, don't drink, no SKY, no mobiles :lol: its like they tried acting on all the comments from last time

There is no ladder.

JY


No need to sell up, the next phase of the economics cycle is going to be very positive for anyone that owns property.

All I'm sayings is, don't listen to the property bears people, they are wrong.


#5 bomberbrown

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Posted 21 February 2012 - 01:18 PM

1329830171[/url]' post='3267173']
I am interested to learn how much extra they get in child tax credit due to the disability of the son. Anyone know how to work it out?


Pop the details in here.

https://www.turn2us....calculator.aspx

In the 1950s Local Authorities built over 200,000 homes per year. In 2004 they built just 133.
Housing - Trends in tenure and cross tenure topics (general)

#6 8 year itch

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Posted 21 February 2012 - 01:20 PM

Pop the details in here.

https://www.turn2us....calculator.aspx

Too complicated to "replicate" their circumstances. I would just like to know what is means tested on the basis of having kids and what is based upon the disability. Obviously the DLA and carer's allowance are separate.

There is no ladder.

JY


No need to sell up, the next phase of the economics cycle is going to be very positive for anyone that owns property.

All I'm sayings is, don't listen to the property bears people, they are wrong.


#7 Jason

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Posted 21 February 2012 - 01:25 PM

Don't smoke, don't drink, no SKY, no mobiles :lol: its like they tried acting on all the comments from last time


Quite, but if you add the charity and saving for a holiday that's 767 per calendar month in disposable income. I have to say that is rather good, and probably equivalent to my disposable income yet I'm single with no kids. That is with a much smaller monthly mortgage (nearly half the amount) and I earn about 35% more in net income.
House Price changes
NO LONGER UPDATED.



----------------------- Peak ---------- Trough -(% trough fall) - Current - (% from peak) - (% from Trough)

Halifax: -------------- Aug07 199,612 - Apr09 154,490 (-22.60%) - Oct09 165,528 (-17.08%) - (+07.14%)

Nationwide: ----------- Oct07 186,044 - Feb09 147,746 (-20.59%) - Oct09 162,038 (-12.90%) - (+09.67%)

Rightmove: ------------ May08 242,500 - Jan09 213,570 (-11.93%) - Nov09 226,440 (-06.62%) - (+06.03%)

DCLG (formerly ODPM): - Jan08 221,758 - Mar09 187,193 (-15.59%) - Jul09 196,338 (-11.46%) - (+04.89%)

Land Registry (Mth): -- Nov07 186,009 - Apr09 152,803 (-17.85%) - Sep09 158,377 (-14.86%) - (+03.64%)

FT HPI: --------------- Feb08 231,804 - Apr09 199,953 (-13.74%) - Aug09 205,338 (-11.42%) - (+02.69%)

Land Registry (Qtr): -- Q307 230,474 -- Q109 198,939  (-13.68%) - Q209 224,064  (-02.78%) -- (+12.63%)

Topic Link: http://www.housepric...howtopic=127421
Links: Halifax, Nationwide, Rightmove, Land Registry (monthly), Land Registry (Raw data - Quarterly).
____________________________________________

Read what the papers said during the last crash: Here.

#8 8 year itch

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Posted 21 February 2012 - 01:32 PM

Quite, but if you add the charity and saving for a holiday that's 767 per calendar month in disposable income. I have to say that is rather good, and probably equivalent to my disposable income yet I'm single with no kids. That is with a much smaller monthly mortgage (nearly half the amount) and I earn about 35% more in net income.

What I want to work out is that he takes home 400 a week but gets 286 of child related benefits (child benefit 68 and child tax credit 218)

From April 2013, someone taking home about 600 a week gets nothing, no matter how many kids they have.

So unless the disability element of the the child tax credit is more than half of the element there seem little point in earning more than the 30 grand or so he earns unless you earn far north of what? 60K?

There is no ladder.

JY


No need to sell up, the next phase of the economics cycle is going to be very positive for anyone that owns property.

All I'm sayings is, don't listen to the property bears people, they are wrong.


#9 tomandlu

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Posted 21 February 2012 - 01:37 PM

What I want to work out is that he takes home 400 a week but gets 286 of child related benefits (child benefit 68 and child tax credit 218)

From April 2013, someone taking home about 600 a week gets nothing, no matter how many kids they have.

So unless the disability element of the the child tax credit is more than half of the element there seem little point in earning more than the 30 grand or so he earns unless you earn far north of what? 60K?


I'm in a similarish boat. Any pay rise I get from now will mean no more child-related tax credits iirc. I suspect that this might be deliberate - a lot of people must be refusing pay rises on this basis.
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#10 Damik

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Posted 21 February 2012 - 01:39 PM

Benefit families speak out

http://www.bbc.co.uk/news/uk-16876486

Father-of-five Ade, like Raymond, is happy to detail his income and expenditure. But unlike unemployed Raymond, who has not worked for more than a decade, Ade works as a full-time systems analyst, on take-home pay of 20,592.

But because he and his wife Christine have a large family, including a child with autism, the couple are also entitled to a range of benefits that boosts their income to 40,874 a year.

Like millions of other British families they fund their lifestyle on a mixture of wages and benefits. And that means - despite Ade's relatively modest income (just above the UK median salary) - they are able to run two cars and take a low-cost annual holiday with their children.

The family's biggest outgoing is the mortgage on their home, a three-bedroom end-of-terrace. But, says Ade: "One day we will own it outright so it's not wasted money."

Ade says: "We live a very easy life. We are pretty happy with what we have."

Ade says he has no problem at all with claiming benefits that almost double his salary.

Ade used to work for the Benefits Agency in London and handled dozens of claims every year.

"Once I handled a claim from someone who had not worked in 18 years. It was then I decided to leave the agency," he says


so you have to earn 60k pa to have same standard of life as somebody, who is earning 20k pa

Am I the only one who thinks it is wrong ???

#11 Guest_James Toney_*

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Posted 21 February 2012 - 01:44 PM

so you have to earn 60k pa to have same standard of life as somebody, who is earning 20k pa

Am I the only one who thinks it is wrong ???


no , it is wrong, but this is the sort of thing that keeps people now,

at least they get to own their own home,

keep house prices high as possible,

#12 Patfig

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Posted 21 February 2012 - 01:44 PM

so you have to earn 60k pa to have same standard of life as somebody, who is earning 20k pa

Am I the only one who thinks it is wrong ???

pay cuts all round :D win win
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#13 8 year itch

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Posted 21 February 2012 - 01:48 PM

so you have to earn 60k pa to have same standard of life as somebody, who is earning 20k pa

Am I the only one who thinks it is wrong ???

I would not wish a disabled child on anyone, it would be difficult to determine their standard of life in monetary terms alone. However I would like to know how that CTC is split

There is no ladder.

JY


No need to sell up, the next phase of the economics cycle is going to be very positive for anyone that owns property.

All I'm sayings is, don't listen to the property bears people, they are wrong.


#14 Tonkers

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Posted 21 February 2012 - 01:49 PM

so you have to earn 60k pa to have same standard of life as somebody, who is earning 20k pa

Am I the only one who thinks it is wrong ???


Yep, this is, er, making work pay, that's their slogan isn't it? What a mess!

#15 Democorruptcy

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Posted 21 February 2012 - 01:50 PM

Working is discouraged and saving is demonised.

Tick... tock...

Democorruptcy
If you say "Democorruptcy" quickly, it sounds a bit like "Democracy". In a "Democracy" people vote for politicians who represent their interests. In the UK's "Democorruptcy" people can only vote for expense fiddling thieving MPs who are in the hip pocket of big business and the finance sector.

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A "Governbankment" is a Government that has no line between itself and banks. It diverts public money (our taxes) to private companies (banks). George Osborne's Help to Buy Bail Banks, will see our taxes go to bankers to cover their losses on mortgages that default. The UK's Governbankment will even pay bankers "reasonable repossession fees" on Help to Bail Bank mortgages that default.

The Funding for Lending Scheme (FLS) is stealing from savers to make them pay for crimes by bankers. Via lower interest on savings, all the bank fines for PPI, LIBOR, interest rates swaps, etc. are being paid by savers so that bankers can keep pocketing bonuses. 

"We need to make a really big change: from an economy built on debt to an economy built on savings" - David Camoron Jan 2009
"Printing money is the last resort of desperate governments when all other policies have failed" - George Osborne Jan 2009
- So what do Camoron & Osborne do? Print money and leave interest rates at 0.5% when inflation is over 5%

If it is asserted that civilization is a real advance in the condition of man -- and I think that it is, though only the wise improve their advantages -- it must be shown that it has produced better dwellings without making them more costly; and the cost of a thing is the amount of what I will call life which is required to be exchanged for it, immediately or in the long run.
http://classiclit.ab...en-Part-2_4.htm

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