ARM YOURSELF

iInformation is power and puts strength behind your words and vote at Federal Elections.  I've done some of the research for you here. Don't be a zombie voter, the two party dominance is not unbreakable.

Pro Liberal? This research will get you thinking

 1 VOTERS OPINION  on AUSTRALIAN POLITICS

SOMEWHERE OVER THE RAINBOW LIBERALS & MATES FLY

LIBERALS - COALITION

Page 6  of   7

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POVERTY  - THE AUSTRALIAN GROWTH INDUSTRY

Quote the Liberals-" Australia's welfare dependency is at it's lowest level in 30 years."

AUSTRALIAN COUNCIL OF SOCIAL SERVICE

Quote” In partnership with the University of NSW, ACOSS released the 2018 Poverty in Australia report on Tuesday 16 October 2018.

There are a number of different ways of measuring poverty, including looking at the items essential for daily life that people are missing out on through lack of income, or by spending comparatively more of their income on essentials, known as ‘deprivation’; or by measuring poverty by looking at the number of people living below a certain income threshold, known as ‘poverty lines’.

 

The 2018 Poverty in Australia report uses as the main poverty measure the number of people living below the poverty line of 50% of median household income.

 

Poverty in Australia 2018 found that there are just over 3 million people (13.2%) living below the poverty line of 50% of median income – including 739,000 children (17.3%).  In dollar figures, this poverty line works out to $433 a week for a single adult living alone; or $909 a week for a couple with 2 children. “End Quote

 

THEGUARDIAN.COM- 2018 OCT 16

 

Quote” 

One in eight adults and more than one in six children are living in poverty.

Many of those affected are living in deep poverty – on average, this is a staggering $135 per week below the poverty line.

The group of people experiencing poverty the most are, unsurprisingly, those relying on Government allowance payments such as Youth Allowance and Newstart. “End Quote

PENSIONS

AGE PENSION RATES – SINGLE (PER FORTNIGHT)

SOURCE: OLDER WORKERS.COM.AU

TREASURER SCOTT MORRISON SAYS TO FORGET ABOUT RELYING ON THE AGE PENSION

Quote "Treasurer Scott Morrison has put ordinary Australian workers on notice that they should no longer expect to receive an age pension from the government when they retire.

Meanwhile, the very wealthy have been warned generous superannuation tax breaks are set to be reined in.

In a wide-ranging speech on Friday, Mr Morrison outlined the government’s vision for an overhaul of the country’s retirement income system designed to ease pressure on future federal budgets: by both reducing expenditure on welfare payments, and limiting the amount of revenue forgone through tax concessions.

............the age pension should not be regarded as an entitlement for all, but rather a “welfare payment for those who do not have the ability to save enough to fund their own retirement”, Mr Morrison said.

More than twenty years since compulsory superannuation was introduced the system is not yet efficient enough at meeting its objective to “supplement or replace” the age pension, he said.

"End Quote

1 VOTER ON LIBERALS- COMMENT 13- Australians need to come first

 

Morrisons statement above is unclear. Does he mean there probably will not be any aged pension for anyone in future years or that it will only be available for the most impoverished? Every Australian should have the security of knowing that they will be OK in their old age. IMO it's more important to support those that are aged than those that are able to work.  

 

It looks to me that despite the massive spending on welfare, there is a huge number of Australians living below the poverty line, I wonder how many of those are the working poor?  

How much of a disincentive is the availablity of so much social support? The numbers of Australians living on welfare appears to have dropped, is this because their needs have dropped or that the government has raised the bar to quailfy and thrown some in need out of the welfare nest?

IMO it is disgraceful that Australia has so many people living under the poverty line, in particular it is offensive to see the elderly, disabled and infirm condemned to doing so, they deserve better. I also find it offensive to see people who could work living off community support, we deserve better.

I would like to see a government that prioritises Australians and fixes what is wrong here before sending money overseas. So far this has not been the Coalition and looking at Labors policy, it isn't Labor either. Neither Party will have my vote.

The recent floods and droughts throughout Australia showed just how tardy this government has been assisting Australians in dire need whilst focusing on overseas needs.

THE LIBERALS ON SUPERANNUATION

SOURCE: OLDER WORKERS .COM.AU

CRACKDOWN ON SUPER TAX CUTS FOR RICHEST

Quote" Mr Morrison also said on Friday that the richest Australians will have to help pay for a better superannuation system as he flagged the government will limit tax breaks on very high balances.

“Super was never designed to be an open-ended vehicle for wealth creation.”

 

He floated the idea of placing a limit on how much money people can put into super at the discounted tax rate of 15 per cent. "End Quote

ABC.NET - JIM MINIFIE.3 SEP 2014

Quote” SUPERANNUATION INCREASES ARE NOW TO BE DELAYED UNTIL THE 2020S.

Postponing the increase in the superannuation guarantee will improve the budget over most of the next decade, but will lead to longer-term retirement savings challenges, writes Jim Minifie.

It's a super plan now, but what about long-term?

The Government has further delayed increases in the superannuation guarantee, as part of its mining tax repeal deal.

The Coalition's election commitment was that superannuation would rise to 12 per cent of salary by July 2020. In the May budget, the Government proposed to delay that to 2022. Under legislation passed yesterday, the guarantee will now reach 12 per cent in July 2025, a full six years after the previous government's timeframe.

The Prime Minister argues that "by delaying the increase in the superannuation guarantee levy we are keeping more money in workers' pockets." It is true that an increase in mandated superannuation will tend to slow wage increases.

Superannuation is a form of compensation with tax advantages - and there is only so much compensation employers will be prepared to pay.

Superannuation increases are now to be delayed until the 2020s, so the resulting wage slowdown, too, will be delayed. “End Quote

SYDNEY MORNING HERALD, RAMESH THAKUR   JUNE 6, 2016

HISTORIC PERFORMANCE -MALCOLM TURNBULL'S RETROSPECTIVE CHANGES TO SUPERANNUATION

Quote”A retroactive law is one that takes effect from a date in the past, changing for the past the legal consequences of past actions.

Had the super changes been retroactive, contributions already made in excess of the $500,000 lifetime cap or the $1.6m total would have been taxed from 2007 onwards at the new rates. Had they not been retrospective, they would apply only to future contributions, regardless of past contributions, as with the annual pre-tax concessional contributions limit being reduced to $25,000 from 1 July 2017.

The previous regime had made it possible to use the annual concessional and after-tax contributions to build up an attractive nest egg in super. The more people that did this, the lower the burden on the public exchequer.

 

The changes are bad policy because they breach the fundamental trust between government and citizens. They violate core liberal principles in that they punish and deter the pursuit of fiscal prudence, thrift and self-reliance; rewarding and encouraging growing state dependency instead.

Once the argument is conceded that the government may breach such fundamental principles, there is no defence against future changes that bring down the total from $1.6m to $1m or even $500,000, and the lifetime cap to $100,000 or even zero. “End Quote

1 VOTER ON LIBERALS - COMMENT 14-  SUPERANNUATION : IT'S UNFAIR TO 'CHANGE THE GOAL POSTS' How is anyone meant to plan responsibly for their future when the government keeps changing the goal posts? It's common knowledge that self funded retirees will require around 1 million dollars  per person to support themselves in a resonably comfortable lifestyle in their old age. This sum will increase if the retiree needs to 'buy into' an aged care facility. Any government 'fiddling' with the tax structure that negatively impacts superannuation under a minimum of 1.5million p.p. is manifestly stupid and will throw more aged onto the public purse. 

Delaying the 12% superannuation contribution by employers is simply a juggling act, not impacting wages now will just postpone the pain untl later. This is Labors; 'Level Playing Field' at it's worst. Our trading 'partners' don't have any such superannuation requirements for their workers. 

Liberal.Org.Au   -From the 2018 Budget Speech

 

Quote” In this Budget there are other ways we are reducing cost pressures on Australian households.

Through the ATO we will be proactively finding your lost super and have it sent to your active superannuation account, ensuring it doesn’t get eaten up in ongoing fees.

We’re banning exit fees on superannuation accounts for when you want to change funds.

We will stop superannuation funds from forcing young people under 25 or with low balances to pay for life insurance policies they have not asked for or do not need.

The Pension Loans Scheme will be opened to all older Australians, including full rate pensioners and self-funded retirees, so they can boost their retirement income by up to $17,800 for a couple, without impacting on their eligibility for the pension or other benefits. (INHERITANCE TAX BY STEALTH?)

An expanded Pension Work Bonus will allow pensioners to earn an extra $1300 a year without reducing their pension payments. For the first time, the bonus will be extended to self-employed individuals who can now earn up to $7800 per year.

And we will oppose unfair tax grabs on retirees and pensioners, by enabling everyone who has invested in Australian companies that issue franked dividends, to keep their tax refunds.

We will ease financial pressures on families in regional areas, by relaxing the Parental Income Test for access to Youth Allowance for independent students from January 1, 2019 by an additional $10,000 per annum and an additional $10,000 for each additional child. “End Quote

1 VOTER COMMENT ON LIBERALS 15 – STOPPING THE GRAVY TRAIN Whilst this comment may appear to be contradictory to my previous comments, it’s a matter of balance i.e. targeting the right people and monitoring, neither of which any government has done efficiently. I personally have no argument with a government seeking to ensure that those that genuinely need government assistance get it and those that have other means of support use this first. It seems quite rational for government support to be directed at necessities rather than luxuries.

 

However, Australia has seen a real growth in poverty despite claims that in general our standard of living has improved. Are those that are in the most need getting assistance? Are recipients using the assistance for necessities?

 

The latest Liberal budget claims that there are fewer people on welfare, however, if this means that those that legitimately need assistance are denied it in the name of reducing the reliance figures, how is this fair?

Where are the concrete actions that will make those that can work, actually work for wages or do social assistance work for free?

How is government ensuring that social assistance is used for necessities, not drugs, cigarettes and liquor?

Australia can’t continue to afford this level of social assistance as well as the radical expansion of overseas aid, immigration and humanitarian support, plus financing the infrastructure commensurate with such a high population growth.

The income pie is getting smaller and the slices are getting bigger, Australians are missing out and it is making them angry.IMO the escalating level of population disatisfaction will eventually errupt.

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WHY IS 1 VOTER DOING THIS RESEARCH?

THIS VOTERS PRIORITIES FOR GOVERNMENT   The lens  through which I examine the party options .

1 VOTER ON THE TRADE 'LEVEL PLAYING FIELD'

1 VOTER ON CHINA

1 VOTER ON 'ILLEGAL IMMIGRANTS'

 

THE ALTERNATIVES - RESEARCH OTHER PARTIES

I've had a look at these parties so far - Links to my summaries and research:

1 VOTER RESEARCHES LABOR  pg1 

1 VOTER RESEARCHES STAINABLE AUSTRALIA

1  VOTER RESEARCHES ONE NATION

1  VOTER RESEARCHES UNITED AUSTRALIA

These pages are authored by a concerned Australian citizen.The opinions expressed on this website are personal opinions only, the writer has no political qualifications but is a registered voter. This page is not authorised or endorsed by the any of the parties discussed or not discussed here-in. Note: the "Arm Yourself" phrase as used here refers to knowledge and does not refer to violence of any sort

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