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Corbyn had a bad day yesterday. But the truth will be no friend to the Conservatives as a result

November 8, 2019 Leave a comment

1b1adc77-5377-4d68-a64f-9ec227c66d16Wow. What a day that was.

Within the space of less than 24 hours, Tom Watson, the Deputy Leader of the Labour Party stood down, The Jewish Chronicle outs its view of the Labour Party under Corbyn on its front page and Ian Watson, a Labour Minister under Gordon Brown interviews on National Television stating that the current Labour Leader isn’t fit to rule and that People should vote for Boris Johnson instead.

But what difference will it all really make?

The answer the Conservatives will not want to hear is probably not a lot.

During normal times, an individual of Jeremy Corbyn’s nature, background and ideals would not be Leader of the Opposition, let alone be less than 5 weeks away from the possibility of being UK Prime Minister and walking straight into No10.

But the times we live in are far from normal. And the reality that disillusioned Labour MPs may well have nominated and voted Corbyn into the Labour Leadership in 2015 for little more than a laugh will make no difference in the hindsight of history.

Indeed, we will surely look back on the Electorate’s 6-week interview and assessment of Marxism as an applicant for the job of driving the direction of the next government in the final months of 2019 as just being a sign of the times.

The politicians we have today bear a significant amount of the responsibility for the rise and presence of what we call fake news.

In fact, we have been on the receiving end of decades of spin. And whilst the Establishment continually tries to make us believe that fake news is only the preserve of those outside the mainstream, of extremists and of the Russians or perhaps the Chinese, the past three years since the European Referendum has been a master class from Politicians and the mainstream media in this Country of how to push nothing but opinion – and have it passed off successfully as being the truth.

Fake news now flows through every media channel to the point where for a growing number of people no difference actually exists between falsehood and truth.

For many, reality in politics has become all about what resonates best, what makes sense or what suits or most closely fits the listeners experience and view of the world.

Then there are the young, who inexperienced in the dark ways of the world and therefore idealist by nature, don’t look beyond the instant hit that comes from a sound bite or a picture that is painted with impractical idealism and represents what they sincerely believe can be achieved and is therefore what they would like to see.

They don’t consider the detail.

They don’t have any idea what delivering these ideas and manifesting them in reality would actually involve.

They certainly don’t anticipate or understand the consequences of what they might be calling for and the pain that waving a magic policy wand in isolation will almost certainly cause.

But then why should young people be expected to know and understand any of this when the narrative from politicians other than those like Corbyn tell them that Conservatives and those like them look on young people as being of little value, that they have nothing to bring to the party, and that they should shut up and do whatever they are told.

Against this backdrop, the narrative that Corbyn peddles is intoxicating to many of the People in this Country who are already politically disenfranchised and to an even greater proportion of the young.

The truth of what Jeremy Corbyn is, what he represents and what he might soon have the power to inflict upon us all is someone else’s news, someone else’s truth.

It has no currency to those who have no reason to trust the Establishment. Especially when the solution that Corbyn is selling offers an instant high with absolutely none of the disadvantages or responsibilities that following out-of-touch old people, boomersgammon or the elite would involve.

So whilst the Tories might be looking at the papers and the news feeds today and thinking that this Election Campaign is quickly becoming little more than a slam-dunk, they should perhaps take a step back and consider the fact that they have helped to create the environment in the UK today. A place where People right across the Electoral spectrum will be weighing up the pros and cons of all the Political Parties and all the Candidates without anything like the normal rationality that Conservative Politicians assume will always be involved.

The funny thing is that the outcome of this Election is most likely to materialise simply by default.

Nothing that any of these politicians are saying or doing stands out as being any different  to what We have heard in the past or is encouraging voters – whether young or old – to vote in any way differently to what it would, in the circumstances, be logical to expect.

If Boris Johnson and the Tories really want the truth to matter in the future elections that they might still be able to fight, they need to start talking to, interacting with and considering everyone beyond their own kind differently.

But first and before they do that, they should really take a good hard look at themselves.

 

The Welfare covenant is broken and Universal Credit is not the answer when it already creates victims

October 12, 2018 Leave a comment

Basic Standard of Living Q

It is regrettably all too easy for some to overlook the realities of life for others when  everything is going well and there is no need to look to anyone else for help.

Sadly, this is not the case for many. At one time or another during our lifetimes, there is every chance that we will need a safety net in place for when plans don’t work out quite as we thought they might, and we find ourselves in need of money, food, clothing, transport, warmth and maybe even a home.

State provision of such a safety net within a civilised society is not only right. It is also necessary when government is convened, managed and operated with the greater good, benefits and consequences for all are firmly in mind.

However, our Welfare and Benefits system has and is being continually abused.

It is being misused by those seeking help. But it is also being mis-purposed by those who have been given the responsibility in Government for providing that help on behalf of us all.

The Welfare covenant between those helping and those seeking help has been broken. And for the benefits system to work beneficially again for all, there must now be a new way of thinking.

No form of Government provision can truly be beneficial to all if victims have been created of any kind.

Universal Credit has therefore proven itself flawed before it has even began operating fully.

With many struggling recipients identified already, we should all be asking questions about the many more who are yet to come and the consequences that will surely follow.

This doesn’t mean that the system we have had until now is good. That it is working. Or that we should just stay tied to the same old thing.

We shouldn’t, because the current DWP Benefits regime really isn’t working for anybody, and we are all in desperate need of a solution which really can be seen and experienced as a ‘win-win’.

Now before we get lost completely with how Politicians are getting Benefits and Welfare wrong, there must also be an acceptance on the part of us all of what it is fair to expect to receive, how we receive it, and under what circumstances that help will actually come from the State if we should ever find ourselves in the position where we genuinely need it.

As we look at what is really wrong with the system as it is, we must also understand and accept that if the Law allows certain types of behaviours to exist, it is inevitable that there will be people who will employ them.

It doesn’t make their behaviour right. Their actions are not inevitable. Everyone has free will and can choose how to behave, even when a rule covering that action or behaviour may appear to be absent.

If the system doesn’t accommodate for the misuse of Beneficiaries and those affected, it is the people who are responsible for its design and implementation who are equally responsible for identifying what is wrong, putting it right and ensuring that either good or bad, nobody who should be receiving help gets missed or is able to slip in between.

Why the benefits system isn’t working, isn’t simply about something structural, the technology used or the people who administer or receive Benefits of any kind.

Like most policy failures today, it is a combination of factors which are not being considered. Many of them overlooked for the cause of political expediency, or because their place and influences sit outside of the specific or central theme – in this case the Benefits regime.

The real cost of a Basic Standard of Living is not understood by Government

The greatest injustice visited upon the unemployed, is the Government and DWP assertion that in 2018, one person can live on a basic income of £73.10 per week.

They can’t.

And when the Government itself has set the Minimum Wage at £7.83 per hour, which at a 40 hour week would be the same as £313.20, who exactly do they think is going to step in and replace what for some will be the destitution-busting £240.10 per week which sits so ominously in between?

Yes, there are many other Benefits other than and beyond the scope of Jobseekers Allowance.

But Universal Credit is being sold as a method of simplification by rolling everything into one, when the true aim of saving money will not stop a similar way of allocating money to the very same things from then existing, just under the umbrella of being just one application.

Government must provide a Basic Standard of Living income to those who qualify and need it.

If it is too expensive to do so, those in Government would do well by beginning to ask themselves the question ‘why?’

Government has surrendered responsibility for setting the prices of goods and services essential to a Basic Standard of Living to the private sector

Sadly, little attention is paid to the elephant in the Benefits room. That being the escalating prices of goods and services which provide for everyone’s basic needs in life.

That’s food, clothing, accommodation, transport and utilities.

Not First Class or on the upper side of ‘Taste the Difference’.

Just the stuff that anyone would need to be kept fed, clothed, warm, able to get themselves to a job and home again, and knowing that at night they will have a roof over their head.

Control of all of these goods and services is now completely under the infuence of commercial interests which have money as their one and only god.

Free Marketeers and Neo-Liberals will tell you that the Markets will look after everything when they are completely free to do as they choose. They don’t, they won’t and they will continue to do everything to make profit from every opportunity, for as long as they are gifted with the freedom to choose by gutless Government. Government filled with Politicians who see ethical intervention in the Markets and Financial Sector as a problem because they believe that they have too much to lose by doing so.

No service which is essential to the public good should be placed in private hands or under the undue influence of any self-serving cause.

No food supply essential to basic, healthy survival should be subject to the whimsy of the Markets where multiple traders, agents and handlers are seeking to add one profit margin on top of another, just on one item supplied within any one producer-to-plate supply chain alone.

If the Government genuinely wants the Benefits system to work, it has to find an effective way of controlling these two essential areas of daily life so that once a system that does work has been identified and implemented, it is then not rendered useless by private interest, based on nothing but profit.

We are culturally conditioned to assume that all Benefits Claimants are in some way bad

Mud sticks, as anyone who spends any time on social media or reading the news will know.

But the phenomenon of people assuming the worst of others based on the first story they are told is nothing new. And when it comes to the unemployed, being work shy is basically the accepted view.

The truth is not as straightforward and anyone at any stage of their career can find themselves out of work and having to ‘sign on’ in order to get help.

The problem with the ‘accepted truth’, is that the system itself, both mechanically and culturally treats everyone who comes through the Jobcentre door as if they don’t want to work, cannot be trusted in any way and that they all fit into the same mould as each other.

This approach overlooks the fact that people find themselves knocking on the door of the Jobcentre and the administrative centres of the DWP for very different reasons.

Some are poorly educated. Others have grown up in conditions that reinforce a world view that this is all they are worth. But there are others too who have landed themselves with significant debt to gain degrees that have proven to be of no use. People suffering illness and mental health problems which restrict the work that they can do. And even highly experienced and very well-educated professionals who cannot provide anything like as simple an explanation for what life has put them through.

Sit in a Jobcentre for long enough and you will hear claimants complain about having to wait for the money they are entitled to. You will see others lose their rag because they have not conformed to the regulations that they are supposed to. You will also witness the presence of so many security guards, it clearly suggests that behaviour of this kind is not only possible, but actually the expected constantly and all of the time.

But not all Benefits Claimants are a burden. Many want to work. But they are branded as ‘no-hopers’, instead of gaining the help and support which reflects them individually.

It is little wonder that those outside of the expereince of having a ‘down period’ in their lives take what they have for granted. Then look on and see all these people as being worthless and occupants of society’s bin.

Taking this approach is little more than deliberately setting up Benefit Claimants to fail.

It is not the action of a Government which respects and fully fulfils its role as the representative body of a civilised society. Nor is it illustrative of a Civil Service which is fully considerate of its role.

We can hardly expect the general population to think differently when the system so demeans.

A significant element of Claimants consider themselves entitled to what they receive

Because the system has been so poorly thought through and has not evolved positively in a way that sees its role strategically and as a way to raise expectation from the ground level upwards, it encourages the belief that it can be used as a substitute for real life. For not taking part. For resenting the success of others and as such seeing Benefits as an entitlement or a worthy redistribution of wealth from others.

The Benefits system only works for those who surrender themselves completely to it, leaving no incentive to escape and provide us all with that so far mythical ‘win-win’

Because the Benefits system has been so poorly thought through and has not evolved positively in a way that sees its role strategically as a way to raise expectation from the ground level upwards, it encourages the belief that it can be used as a substitute for real life. For not taking part. For resenting the success of others and as such seeing Benefits as an entitlement or a worthy redistribution of wealth from others.

The Benefits system only works for those who surrender themselves completely to it. It  leaves no incentive for Beneficiaries to escape and benefit anyone but themselves.

With restrictions placed upon how many hours a Claimant can work without losing Benefits, and the process of reinstatement being long and arduous – even before Universal Credit begins, there is zero in terms of incentive for people to take on more hours and work towards self-sufficiency.

Because the 6 Benefits together are so very complicated for one person to qualify for already, the further any Claimant journeys into this portfolio of direct and indirect income streams the less and less likely they are then to leave.

We can only ask ourselves the question if we were to find ourselves in the very same position. When everything is taken care of already, what serious advantage is there to be gained by going out and working for a wage which might never come to anything near the total that becoming subservient to the system and therefore being a Benefits slave can achieve?

Again, we cannot blame people for responding this way when the system itself not only allows but facilitates behaviour of this kind.

Help should always be given to those that need it.

For those who currently choose to be beholden to the system, there must be a process of incentives which doesn’t leave them without all the basic essentials.

It must also encourage them and accept and appreciate that they have responsibility for themselves as well as the wider community. A community which is ready to help, but is itself entitled to see those who voluntarily choose a life on Benefits as a drain on resources that we desperately need focused to provide other Public Services and that they are as such disadvantaging others on little more than a whim.

As taxpayers, we are effectively subsidising the employers of low paid workers by providing the in work benefits which allow them to survive

I have already mentioned what it costs to live and the need for a basic standard of living above.

Yet the conversation and discussion needs to go even further than the power of commercial interests over the essential goods and services for life.

The debate and the action that follows also needs to recognise the role which our Government is playing in keeping wages low and propagating a system where profit margins for large companies are exploding, whilst the millions of people on low incomes are now being farmed for the debt they have to carry, just to survive.

The money that lower income workers receive is in many cases too much to allow them to be on additional Benefits, yet not enough to allow them to be self sufficient. It keeps them ‘functioning’ at the behest of others, somewhere within the ‘in between’.

If we could freeze the prices of goods and services right now, so that they no longer rise, and we could focus in on what it actually costs a normal person on their own to live, self sufficiently, to feed, clothe and take care of themselves, put something by, have a holiday, a realistic pension and have a life which reason would tell us would make a normal person happy, we can soon begin to see the disparity between where wages sit and where right now, in these ‘static’ circumstances they would need to be.

At £10.20 per hour in London and £8.75 per hour outside, without the help of Government with Housing Benefit and Tax Credits too, even the Living Wage Foundations advisory level for a basic income doesn’t come close to what self sufficiency – that’s what complete independence from Government support –  would actually require.

Such a reality where Government support for the growth of small business is concerned alone would probably make the whole thing more palatable.

But the real beneficiaries of this State-sponsored in-work poverty are the big Companies making significant levels of profit that would in reality only dip slightly if they were to pay wages to front-line staff which would allow those employees to function within the overpriced society which their Employers have helped to create.

That this situation has been allowed to exist is beyond questionable.

That successive Governments of all kinds have allowed a situation to exist where the Taxpayer is paying over the odds for products in services in their face value alone is simply wrong.

That customers are then paying again to subsidise the wages of the staff serving them would be funny, if its implications and the reality which surrounds it not so very serious indeed.

This whole process has only been possible because Government has either borrowed incredible amounts of money, or has cut other and arguably more essential Public Services in order to allow them to provide this massive giveaway. A free-for-all that has broken the Country financially and is one of the key reasons why unfettered immigration of low skilled workers from Europe has been possible. Itself an issue which is seen by many Remainers as key to the majority vote for the UK to leave the European Union and the one which they are still obsessively attempting to resolve.

There would be some sweet irony in this if this financial mismanagement had really been helping people and UK communities, rather than being overtly beneficial to commercial interests, private profit and yes, the EU all along.

But there hasn’t, and in terms of management of expectation, this and previous Governments would appear to have hamstrung any future Government which wants to take a stand and do the right thing.

Be that as it may. Doing the right thing, is the only way that all of this is going to end up working right for everyone involved.

The solution

Like almost everything that Government and Politics touches, the key to delivering change in the Benefits and Welfare system is thinking differently.

And it’s the thinking and ideas at the top of British Politics which needs to change first before it can change anywhere else.

The responsibility of Government

Before the Benefits problem can be fixed, the understanding of what the problem actually is, must be broadened to include the wide range of factors which feed and influence the issues which those claiming Benefits experience.

Right now, there is an obsession on the part of decision makers. One which leads them only to attempt to address the effects of any problem, rather than to tackle each and every one of the causes.

Until all of the causes of problems are addressed, the Benefits system will only ever work temporarily at best, until those factors which are outside of the scope of that consideration inevitably change and then exert their negative influence once again.

A Basic Standard of Living level or the real Living Wage will only be achieved and maintained when all contributing factors fall within the reasoned influence of non-idealistic Government that considers the consequences of policy making upon ALL.

Politicians simply do not understand the power they have to change things. They do not see the scope of their roles and they have no appreciation of the influence that they could really have if they were to put the interests of ALL the people who have elected them first, rather than themselves, their Political Parties and whatever ideas or interests sit around that self-serving mix.

It will not matter how simple or complicated existing of new systems like Universal Credit might be. If they fail to consider and be considered as part of the bigger picture, they will always fail – and our Politicians have both the ability and responsibility to ensure that this is no longer the case.

It is their choice to now decide and it is their choice which must come first.

The responsibility – and acceptance of Claimants and Beneficiaries

For any solution to gain traction, it is also vital that ‘being down in your luck’ is accepted as a normal part of life, rather than being a condition which renders any of us as being sub-standard to it – the position under which Benefit Claimants are often perceived.

Those claiming Benefits fall into two predominant groups. Those who are or should be  temporary claimants and are able and willing to work. And those who are longer-term or permanent claimants who are unable or unlikely to be able to consider working again because of disability, illness, or other genuine debilitating circumstances.

All of us as beneficiaries must accept that there is and never has been a magic money tree of any kind. That the support that is given can only be provided through the act of others contributing through taxation on earnings, whether they themselves earn little or some extraordinary figure that might blow our minds.

Whilst it may currently behave as if it is, and some Politicians continue to seek election on the basis of perpetuating this myth, Government and the Public Sector is not a separate and ‘benevolent’ entity which doles out cash to Welfare recipients on the basis of being kind.

Government exists to represent the best interests of ALL British people. Government is there to help us all to succeed in whatever way that might be possible for us as individuals. And on  behalf of us all, it is there to help and provide support to those of us who cannot do so, in such ways that we may never feel like an after thought or something that others have in some way been left behind.

Government is the formal community power which represents and is therefore ‘for all of us’.

Those of us receiving help should therefore be mindful that the help we receive comes from the people next door, up the street and across our Cities and Towns.

As recipients, we are not ‘entitled’ to anything. It is simply that looking after those in genuine need is the basis upon which our civilised society can be found.

 

 

 

 

 

Annuities: Has another election winning time-bomb been lit that will devastate the futures of normal people just so a Political Party can get back into power?

March 23, 2014 Leave a comment

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Read the latest opinion polls and it is easy to conclude that George Osborne’s 2014 Budget has had the result that he was looking for.

With both next year’s General Election and perhaps more importantly, this year’s European Elections firmly affixed in his mind, it was certain that polices would materialise which were likely to incentivise voters in the short term and once again take attention away from what will happen as a result in the long.

However, the steps to remove an obligation to invest at least some of a pension pay-outs on annuities may take this quick fix and opiate-like vote winner into an entirely different league when it comes to rolling over the problems facing the current Government in to the difficulties which will almost certainly be faced by normal and everyday people in the future.

Pensions are a hateful topic for most people simply because the funds within them are untouchable. To struggling wage earners, reading an annual statement from their provider and seeing how funds can be growing at a healthy rate, can certainly be a torment. It often gives that siren-esque gremlin on their shoulder the perfect opportunity to preach a tale of how much better that sum of money would serve them if it were in their own hands right now.

As many already know, the realities of long-term money management requires a lifetime without financial challenges at best, not to mention the most exquisite forms of discipline at a very personal level . This is why pensions – and until this week annuities, have been safely kept out of reach. Temptation and therefore all the basic requirements and influences that come with living a life today are or have been safely kept at bay, without any of those threats being responsible for the potential hells that may without them come from many of our own tomorrows.

Removing the obligation upon retirees to ‘buy’ an annuity will naturally – and very understandably – be perceived as a massive gain for many. The caricatures of OAPS in Ferraris may in practice turn out to be anything but unreal once the Policy comes into effect.

But when people have experienced a lifetime of financial prudence and responsibility, exchanging this and the future they have banked on for what is arguably little more than a lottery win situation could turn out to be very costly indeed.

Windfalls are by their very nature difficult for almost everyone to deal with in a reasoned way because they are naturally habit-breaking in the extreme. Having large ‘disposable’ sums of cash suddenly available can seriously skew a person’s view of the world on what might actually be a very temporary basis indeed and a study of the effects of sizable cash wins on real-world people may have served the people behind this plan very well.

This really doesn’t seem like a policy which has the best interests of the retirees in mind and especially so when you consider the state of the Country’s finances and the most recent comments suggesting that the State Retirement Age with have moved to 70 by the year 2040. Hardly comforting news if you have no annuity to top up an insufficient State Pension and therefore are left with the glaring possibility that you will have to continue working until you literally drop.

With life expectancy rates going up all the time, what sort of desperate circumstances are people reaching pensionable age from next year now going to have to face, long after the Coalition Government knows the result of the 2015 General Election or Mr Osborne’s tenure in No. 11 Downing Street has well and truly ended?

Annuities may indeed have become yet another product or service which serves the interests of those making profit before it ever will the customer. This however, doesn’t mean that an approach to savings and income of this kind still doesn’t have its place. In fact, you might argue that similar products have a much bigger role to play with the State’s ability to support even our existing OAP’s dwindling almost by the hour.

Hardly a prudent or considered form of policy making on behalf of those who are falling over themselves to look after their own elect-ability today at the expense of everyone else’s tomorrows, is it?

image thanks to http://www.telegraph.co.uk

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