There is noway in the world that all pensioners wll be forced to have their pension paid via a card that can only be used to buy certain things. The trials running at the moment are in mainly indigineous areas and the aim is to mimimise the amount spent on alcohol/drugs to try and give kids a better life. 80%of the money is paid on the card and the rest in the normal way. Especially among the women in these areas it is a popular thing. It is also possible to opt out if the situation is not applicable to you. The people screaming about the injustice of it all in many cases would have no idea of the damage alcohol and drugs do to these communities and more specifically the kids in these communities. I'd suggest a chill pill is in order to those suggesting this is going to apply to everyone.
"never say never " at some point in the future the OAP will probably cease to exist in its present form
Bicyclecamper said
05:26 PM Oct 14, 2021
Terryt wrote:
There is noway in the world that all pensioners wll be forced to have their pension paid via a card that can only be used to buy certain things. The trials running at the moment are in mainly indigineous areas and the aim is to mimimise the amount spent on alcohol/drugs to try and give kids a better life. 80%of the money is paid on the card and the rest in the normal way. Especially among the women in these areas it is a popular thing. It is also possible to opt out if the situation is not applicable to you. The people screaming about the injustice of it all in many cases would have no idea of the damage alcohol and drugs do to these communities and more specifically the kids in these communities. I'd suggest a chill pill is in order to those suggesting this is going to apply to everyone.
Of the 113 people whom have applied to opt out of the cashless card in Kalgoorlie, only one was approved. It is virtually impossible for those wishing to opt out, to opt out. My cousin., a former firefighter in the Kalgoorlie area, was injured, not on the job, and was placed on Disability Support Pension. He is 60, and want ed to opt out, and they, Indue declined to do so. He was a 25 year Veteran of Fire and Rescue on WA, and they regarded him as not responsible enough to manage his money. He has paid off his house is a non drinker, non smoker and doesn't even buy a lotto, and they won't let him manage his money. I am pretty sure if people like the above commentor had a Referendum vote on the welfare card being place on people on welfare they would vote for it. It is not fair to tar everyone with the same brush just because , 13.7% of the people on welfare misuse their money. That 13.7% figure is from Centrelink itself. Their is 5 million people on welfare of some sort, if they all get put on the card, I can see labor being in government not long after and probably for a fair few terms.
-- Edited by Bicyclecamper on Thursday 14th of October 2021 05:28:27 PM
yobarr said
07:27 PM Oct 14, 2021
Bicyclecamper wrote:
Terryt wrote:
There is noway in the world that all pensioners wll be forced to have their pension paid via a card that can only be used to buy certain things. The trials running at the moment are in mainly indigineous areas and the aim is to mimimise the amount spent on alcohol/drugs to try and give kids a better life. 80%of the money is paid on the card and the rest in the normal way. Especially among the women in these areas it is a popular thing. It is also possible to opt out if the situation is not applicable to you. The people screaming about the injustice of it all in many cases would have no idea of the damage alcohol and drugs do to these communities and more specifically the kids in these communities. I'd suggest a chill pill is in order to those suggesting this is going to apply to everyone.
Of the 113 people whom have applied to opt out of the cashless card in Kalgoorlie, only one was approved. It is virtually impossible for those wishing to opt out, to opt out. My cousin., a former firefighter in the Kalgoorlie area, was injured, not on the job, and was placed on Disability Support Pension. He is 60, and want ed to opt out, and they, Indue declined to do so. He was a 25 year Veteran of Fire and Rescue on WA, and they regarded him as not responsible enough to manage his money. He has paid off his house is a non drinker, non smoker and doesn't even buy a lotto, and they won't let him manage his money. I am pretty sure if people like the above commentor had a Referendum vote on the welfare card being place on people on welfare they would vote for it. It is not fair to tar everyone with the same brush just because , 13.7% of the people on welfare misuse their money. That 13.7% figure is from Centrelink itself. Their is 5 million people on welfare of some sort, if they all get put on the card, I can see labor being in governmen not long after and probably for a fair few terms.
God help us if that eventuates,but I don't think Australians are that stupid? Cheer
Craig1 said
08:11 PM Oct 14, 2021
Going on the under 40 infection rate in Melbourne today, I am not so sure Chris
yobarr said
09:17 PM Oct 14, 2021
Craig1 wrote:
Going on the under 40 infection rate in Melbourne today, I am not so sure Chris
Hi Craig.My comment was in reference to the words that I highlighted in Ric's post,but I suspect that all the discussion about a cashless pension card is wrong.Would any government be so stupid as to try to introduce laws that would tell the general public how to spend their money? Some years ago I approached a Big 4 bank,looking to buy a house in Geelong.After they had taken all my details,and pressed all the buttons on their computer,they told me I couldn't afford to make repayments.Told them to get stuffed,and bought the house any way.Too many things are dependent on being approved by a damned computer. Cheers
-- Edited by yobarr on Thursday 14th of October 2021 10:07:14 PM
Whenarewethere said
10:51 PM Oct 14, 2021
We needed a bridging loan to move units within our block & the bank said we don't lend money for buildings with your title.
By the way you actually still have our title deeds on the mortgage we finished.
They gave us the bridging loan.
After the bridging loan I calculated all the payments. We were over charged $1800. Took months to get the money back... without interest given to us by the way!
oldbloke said
12:05 AM Oct 15, 2021
Ha,ha, yeh, put the Nats in charge. About 20 years behind the rest of the planet when it comes to climate change. Lol
When are people going to realise no single party is much better than the other? The all come with pros and cons.
What we need is more independents that at least in some way represent society instead of Professional pollies who have never lived like us because most are lawyers or academics.
JohnandDi said
05:45 PM Oct 26, 2021
Re pension to Indue card. Keep an eye out for the results of what is happening with this, it is getting debated on in Parliament this week , Labor is trying to get Morrison and the Liberals to abolish the card, it is coming to all after the Election. 80% of your pension is controlled of what you can spend or where you spend , If this is the only income travellers have then there will be many suffering.
Santa said
06:31 PM Oct 26, 2021
JohnandDi wrote:
Re pension to Indue card. Keep an eye out for the results of what is happening with this, it is getting debated on in Parliament this week , Labor is trying to get Morrison and the Liberals to abolish the card, it is coming to all after the Election. 80% of your pension is controlled of what you can spend or where you spend , If this is the only income travellers have then there will be many suffering.
Political scaremongering.
wanna-go2 said
08:16 PM Oct 26, 2021
Hi all thought I would attach some interesting reading regarding the proposal of the indue card.
I dont post very often so I shall sit back and see what the responses are.
Going on the under 40 infection rate in Melbourne today, I am not so sure Chris
Hi Craig.My comment was in reference to the words that I highlighted in Ric's post,but I suspect that all the discussion about a cashless pension card is wrong.Would any government be so stupid as to try to introduce laws that would tell the general public how to spend their money? Some years ago I approached a Big 4 bank,looking to buy a house in Geelong.After they had taken all my details,and pressed all the buttons on their computer,they told me I couldn't afford to make repayments.Told them to get stuffed,and bought the house any way.Too many things are dependent on being approved by a damned computer. Cheers
-- Edited by yobarr on Thursday 14th of October 2021 10:07:14 PM
The only problem here is the money is managed by the government who in turn get the money from tax payers. Whos money is it really?
if a person is qualified for something didnt mean they own it but rather are given by another.
TheHeaths said
09:19 PM Oct 26, 2021
wanna-go2 wrote:
Hi all thought I would attach some interesting reading regarding the proposal of the indue card.
I dont post very often so I shall sit back and see what the responses are.
hooroo!
Ivan,
Out of interest, could you tell us where this was published?
I have just looked on the net, and there seems to be a good deal of info re Indue, none of which at a quick glance suggests it is a clandestine plot to control pensions or pensioners. There are annual reports on line, all readily available, none of which appear to mention politicians or ex politicians as directors or major shareholders.
-- Edited by TheHeaths on Tuesday 26th of October 2021 09:24:35 PM
wanna-go2 said
10:16 PM Oct 26, 2021
Ian
My wife found it on a twitter platform thread. Just type indue card in search bar. Also search Julian Hill MP.
Ge said
10:28 PM Oct 26, 2021
ALP have a online petition on this. you will have to copy n paste the link to see it.
-- Edited by Ge on Tuesday 26th of October 2021 10:30:24 PM
-- Edited by Ge on Tuesday 26th of October 2021 10:35:52 PM
-- Edited by Ge on Tuesday 26th of October 2021 10:37:46 PM
-- Edited by Ge on Tuesday 26th of October 2021 10:39:26 PM
-- Edited by Ge on Tuesday 26th of October 2021 10:39:56 PM
Meredith said
11:53 PM Oct 26, 2021
A petition to stop something that nobody has actually proposed doing? That definitely sounds like normal politics to me, stop things that aren't actually happening and do bugger all about things that they could actually effect.
Are We Lost said
01:23 AM Oct 27, 2021
Just like there are suckers who fall for internet scams, there are suckers who fall for stuff like this too. When there is never a real quote or evidence, and it's political you can be pretty sure it's false.
TheHeaths said
07:19 AM Oct 27, 2021
wanna-go2 wrote:
Ian
My wife found it on a twitter platform thread. Just type indue card in search bar. Also search Julian Hill MP.
Based on that, I would be taking it with a pinch of salt.
A Twitter thread by an Opposition politician is not a totally unbiased and balanced article.
If there had been a rumoured ALP policy, and an article was presented written by a Coalition MP, Id be saying the same thing incidentally. I dont trust any criticism or comment of other party matters by either side.
-- Edited by TheHeaths on Wednesday 27th of October 2021 07:20:28 AM
Buzz Lightbulb said
11:06 AM Oct 27, 2021
Social media makes people more stupid.
There was a case where a police officer saw a woman about to pour water into her car's petrol tank. The officer asked her what she was doing.
She said that she'd run out of fuel and saw on social media that if one pours water into one's fuel tank, one can drive to the petrol station.
The copper told her to stop and call for a tow truck or go get fuel in a container.
She then asked what should she do with the other (x I can't remember how many) litres of water that she's alteady put into the tank.
How stupid is that to believe everything or anything that one sees on social media?
Dougwe said
11:31 AM Oct 27, 2021
the rocket said
04:08 PM Oct 27, 2021
Greg 1 wrote:
People keep saying the pension is welfare but in fact it's not. It was originally a levy paid as a separate payment to income tax much like a super contribution. At some point a certain government rolled it all together with the income tax as one payment. Instead of investing the pension contributions as they should have done, successive governments have tipped it into general revenue and spent it and now the chickens have come home to roost with not enough in the kitty to pay the bill so pollies are looking at every which way not to pay it or reduce it. They knew this day was coming for decades and none did anything about it except to make employers pay compulsory super to pull them out of the poo. All of us who have worked all our working lives and contributed to the pension scheme are morally entitled to it. It is our money that went into it that the government has snaffled in a very underhand manner.
Well said. Enjoy your pension
dogbox said
07:47 PM Oct 27, 2021
if my fading memory is not failing me, did we not give up pay rises, to cover the super contribution when keating brought it in ?
-- Edited by dogbox on Wednesday 27th of October 2021 07:49:03 PM
Meredith said
12:40 AM Oct 28, 2021
the rocket wrote:
Greg 1 wrote:
People keep saying the pension is welfare but in fact it's not. It was originally a levy paid as a separate payment to income tax much like a super contribution. At some point a certain government rolled it all together with the income tax as one payment. Instead of investing the pension contributions as they should have done, successive governments have tipped it into general revenue and spent it and now the chickens have come home to roost with not enough in the kitty to pay the bill so pollies are looking at every which way not to pay it or reduce it. They knew this day was coming for decades and none did anything about it except to make employers pay compulsory super to pull them out of the poo. All of us who have worked all our working lives and contributed to the pension scheme are morally entitled to it. It is our money that went into it that the government has snaffled in a very underhand manner.
Well said. Enjoy your pension
There was a separate fund from 1945 to 1950, so its unlikely anybody on here actually contributed to it and it never amounted to anything like enough to pay pensions even for those on it then. You paid income tax which was spent paying for pensions for people getting it during the years you were working.
TheHeaths said
07:52 AM Oct 28, 2021
Of course, it bears consideration that over the period since the introduction of the Pension Levy, we have enjoyed general reductions in personal marginal tax rates.
For instance, in 1983/84, individual rates were 30 cent in the dollar from $4594 to &19500, then 46 cents to $35700, with 60 cents above.
Now they are 19 cents to $37000, 32.5 cents to $90000, 37 cents to $180000, and 45 cents above.
As such, it would appear to me the levy has been returned to our pays several times over during the period!
Before people start shouting that they dont pay tax now so it is pointless to compare, we have all benefitted by reducing rates during our working life, so I would suggest that in fact, most of us would have never have, for want of a better term, really contributed to the levy.
So consider that before claiming that we are ALL entitled to a pension paid by our taxes, and remember that politicians of all persuasions have over the years spent the original levy, not just one side or the other.
-- Edited by TheHeaths on Thursday 28th of October 2021 07:53:32 AM
dogbox said
09:03 AM Oct 28, 2021
i would not think that anyone on a OAP would have contributed any were near what they are entitled to draw out ?
the OAP is a safety net for people who did/could not provide for their retirement years , they also benefit from a list of other benefits that are provided
along with the OAP , the people who are self-funded retirees get nothing but have still contributed to the tax system that funds the OAP and extra benefits, the more people who are self-funded will mean less people on the OAP , with super contributions/balances growing at some point in the not to distant future super draw down could be classified as income an exclude a lot of people who would under the current arrangements would be entitled to the OAP. the fewer people entitled to OAP the less impact any changes will have( the less noise from protesters ) to what ever they do
gdayjr said
10:00 AM Oct 28, 2021
Super draw down is already classed as income under the deeming rulkes for old aged pension.
dogbox said
11:04 AM Oct 28, 2021
gdayjr wrote:
Super draw down is already classed as income under the deeming rulkes for old aged pension.
"never say never " at some point in the future the OAP will probably cease to exist in its present form
Of the 113 people whom have applied to opt out of the cashless card in Kalgoorlie, only one was approved. It is virtually impossible for those wishing to opt out, to opt out. My cousin., a former firefighter in the Kalgoorlie area, was injured, not on the job, and was placed on Disability Support Pension. He is 60, and want ed to opt out, and they, Indue declined to do so. He was a 25 year Veteran of Fire and Rescue on WA, and they regarded him as not responsible enough to manage his money. He has paid off his house is a non drinker, non smoker and doesn't even buy a lotto, and they won't let him manage his money. I am pretty sure if people like the above commentor had a Referendum vote on the welfare card being place on people on welfare they would vote for it. It is not fair to tar everyone with the same brush just because , 13.7% of the people on welfare misuse their money. That 13.7% figure is from Centrelink itself. Their is 5 million people on welfare of some sort, if they all get put on the card, I can see labor being in government not long after and probably for a fair few terms.
-- Edited by Bicyclecamper on Thursday 14th of October 2021 05:28:27 PM
God help us if that eventuates,but I don't think Australians are that stupid? Cheer
Hi Craig.My comment was in reference to the words that I highlighted in Ric's post,but I suspect that all the discussion about a cashless pension card is wrong.Would any government be so stupid as to try to introduce laws that would tell the general public how to spend their money? Some years ago I approached a Big 4 bank,looking to buy a house in Geelong.After they had taken all my details,and pressed all the buttons on their computer,they told me I couldn't afford to make repayments.Told them to get stuffed,and bought the house any way.Too many things are dependent on being approved by a damned computer. Cheers
-- Edited by yobarr on Thursday 14th of October 2021 10:07:14 PM
We needed a bridging loan to move units within our block & the bank said we don't lend money for buildings with your title.
By the way you actually still have our title deeds on the mortgage we finished.
They gave us the bridging loan.
After the bridging loan I calculated all the payments. We were over charged $1800. Took months to get the money back... without interest given to us by the way!
When are people going to realise no single party is much better than the other? The all come with pros and cons.
What we need is more independents that at least in some way represent society instead of Professional pollies who have never lived like us because most are lawyers or academics.
Re pension to Indue card. Keep an eye out for the results of what is happening with this, it is getting debated on in Parliament this week , Labor is trying to get Morrison and the Liberals to abolish the card, it is coming to all after the Election. 80% of your pension is controlled of what you can spend or where you spend , If this is the only income travellers have then there will be many suffering.
Political scaremongering.
Hi all
thought I would attach some interesting reading regarding the proposal of the indue card.
I dont post very often so I shall sit back and see what the responses are.
hooroo!
The only problem here is the money is managed by the government who in turn get the money from tax payers. Whos money is it really?
if a person is qualified for something didnt mean they own it but rather are given by another.
Ivan,
Out of interest, could you tell us where this was published?
I have just looked on the net, and there seems to be a good deal of info re Indue, none of which at a quick glance suggests it is a clandestine plot to control pensions or pensioners. There are annual reports on line, all readily available, none of which appear to mention politicians or ex politicians as directors or major shareholders.
-- Edited by TheHeaths on Tuesday 26th of October 2021 09:24:35 PM
My wife found it on a twitter platform thread. Just type indue card in search bar. Also search Julian Hill MP.
ALP have a online petition on this. you will have to copy n paste the link to see it.
https://stop-the-cashless-pension-card.org.au/?utm_source=social&utm_medium=facebook-organic&utm_campaign=web-thanks-link&fbclid=IwAR17V8gumPTxI
-- Edited by Ge on Tuesday 26th of October 2021 10:30:24 PM
-- Edited by Ge on Tuesday 26th of October 2021 10:35:52 PM
-- Edited by Ge on Tuesday 26th of October 2021 10:37:46 PM
-- Edited by Ge on Tuesday 26th of October 2021 10:39:26 PM
-- Edited by Ge on Tuesday 26th of October 2021 10:39:56 PM
A petition to stop something that nobody has actually proposed doing? That definitely sounds like normal politics to me, stop things that aren't actually happening and do bugger all about things that they could actually effect.
Based on that, I would be taking it with a pinch of salt.
A Twitter thread by an Opposition politician is not a totally unbiased and balanced article.
If there had been a rumoured ALP policy, and an article was presented written by a Coalition MP, Id be saying the same thing incidentally. I dont trust any criticism or comment of other party matters by either side.
-- Edited by TheHeaths on Wednesday 27th of October 2021 07:20:28 AM
Social media makes people more stupid.
There was a case where a police officer saw a woman about to pour water into her car's petrol tank. The officer asked her what she was doing.
She said that she'd run out of fuel and saw on social media that if one pours water into one's fuel tank, one can drive to the petrol station.
The copper told her to stop and call for a tow truck or go get fuel in a container.
She then asked what should she do with the other (x I can't remember how many) litres of water that she's alteady put into the tank.
How stupid is that to believe everything or anything that one sees on social media?
Well said. Enjoy your pension
-- Edited by dogbox on Wednesday 27th of October 2021 07:49:03 PM
There was a separate fund from 1945 to 1950, so its unlikely anybody on here actually contributed to it and it never amounted to anything like enough to pay pensions even for those on it then. You paid income tax which was spent paying for pensions for people getting it during the years you were working.
Of course, it bears consideration that over the period since the introduction of the Pension Levy, we have enjoyed general reductions in personal marginal tax rates.
For instance, in 1983/84, individual rates were 30 cent in the dollar from $4594 to &19500, then 46 cents to $35700, with 60 cents above.
Now they are 19 cents to $37000, 32.5 cents to $90000, 37 cents to $180000, and 45 cents above.
As such, it would appear to me the levy has been returned to our pays several times over during the period!
Before people start shouting that they dont pay tax now so it is pointless to compare, we have all benefitted by reducing rates during our working life, so I would suggest that in fact, most of us would have never have, for want of a better term, really contributed to the levy.
So consider that before claiming that we are ALL entitled to a pension paid by our taxes, and remember that politicians of all persuasions have over the years spent the original levy, not just one side or the other.
-- Edited by TheHeaths on Thursday 28th of October 2021 07:53:32 AM
the OAP is a safety net for people who did/could not provide for their retirement years , they also benefit from a list of other benefits that are provided
along with the OAP , the people who are self-funded retirees get nothing but have still contributed to the tax system that funds the OAP and extra benefits, the more people who are self-funded will mean less people on the OAP , with super contributions/balances growing at some point in the not to distant future super draw down could be classified as income an exclude a lot of people who would under the current arrangements would be entitled to the OAP. the fewer people entitled to OAP the less impact any changes will have( the less noise from protesters ) to what ever they do
Super draw down is already classed as income under the deeming rulkes for old aged pension.
maybe i should have said taxable income