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  1. #281
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    Yep, sorry, still not making much sense. Guess we'll have to agree to disagree.

  2. #282
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    The Centrelink system is actually set up in a manner that discourages people from saving up to get ahead. So it encourages them to blow their savings on something like a holiday, instead of saving up enough to make a difference - like buying a business or house.

    ===========

    Here is an example for you. My little one's father was paying child support into an account for our child. I was being penalised by having may payments reduced due to the child support he was paying, but I wasn't touching the money, leaving it for the child's future. When we went to set up the account, the bank said that they required childrens bank accounts to be made in the parents names, and recorded as "In Trust For" the child, so that is what we did.

    When he lost his job (business downsizing) and applied to Centrelink, they required a list of all the accounts that had his name on them - and the percentage that belongs to you. So he did the right thing and included the child's account that all the child support had been paid into, and wrote his share was 0%.

    Centrelink concluded that because he had access to that money, it was his and he could therefore support himself, thus had to sit out the 13 week waiting period before he was eligible for any benefits. I went to Centrelink and complaigned that I had already been penalised for receiving the child support, and now they wanted him to take it back. There argument was that he shouldn't have had access to that money at all. They told me that I should take the money out of the account before he had a chance to - but he would still have to wait the 13 weeks because he had access to the money at the time he made his claim.

    It was a rediculous situation and I am not heartless, so I didn't take the money out. He also felt terrible that he had to take it back, but he felt like he didn't have a choice, and did so - fully intending to pay it back at some point (but I doubt that he will be in a position to do so).

    So I will say that the current system discourages savings. If I hadn't left the child support money to create savings towards my child's future, but just taken it and spent it myself, then he would've been granted Centrelink straight away and not been forced to effectively steal from our child to survive.
    Last edited by sweetseven; 04-09-2013 at 10:46.

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  4. #283
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    Quote Originally Posted by sweetseven View Post
    The Centrelink system is actually set up in a manner that discourages people from saving up to get ahead. So it encourages them to blow their savings on something like a holiday, instead of saving up enough to make a difference - like buying a business or house.

    ===========

    Here is an example for you. My little one's father was paying child support into an account for our child. I was being penalised by having may payments reduced due to the child support he was paying, but I wasn't touching the money, leaving it for the child's future. When we went to set up the account, the bank said that they required childrens bank accounts to be made in the parents names, and recorded as "In Trust For" the child, so that is what we did.

    When he lost his job (business downsizing) and applied to Centrelink, they required a list of all the accounts that had his name on them - and the percentage that belongs to you. So he did the right thing and included the child's account that all the child support had been paid into, and wrote his share was 0%.

    Centrelink concluded that because he had access to that money, it was his and he could therefore support himself, thus had to sit out the 13 week waiting period before he was eligible for any benefits. I went to Centrelink and complaigned that I had already been penalised for receiving the child support, and now they wanted him to take it back. There argument was that he shouldn't have had access to that money at all. They told me that I should take the money out of the account before he had a chance to - but he would still have to wait the 13 weeks because he had access to the money at the time he made his claim.

    It was a rediculous situation and I am not heartless, so I didn't take the money out. He also felt terrible that he had to take it back, but he felt like he didn't have a choice, and did so - fully intending to pay it back at some point (but I doubt that he will be in a position to do so).

    So I will say that the current system discourages savings. If I hadn't left the child support money to create savings towards my child's future, but just taken it and spent it myself, then he would've been granted Centrelink straight away and not been forced to effectively steal from our child to survive.
    I get what you're saying here and I agree that it is frustrating that you can't save for something like a business when on centrelink payments. But, TBH I agree with the decision to not give people Newstart allowance if they have access to savings that they can live off. I think welfare should be a last resort and if people have money saved then they should use that first before applying for money from the government. In your case I think you should have put your child's account in your own name, not in both parents' names, given that it was your money (from child support payments) that was going into it.

  5. #284
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    Quote Originally Posted by mama and her little bear View Post
    By your logic a person on welfare shouldn't own a car, even a cheap second hand one costs more than a grand to buy and certainly more than a grand to run.

    Where do we draw the line? What is luxury and what is necessity?
    Great job at putting words in my mouth! Obviously you are interested in what you want to hear, not what is being said.

  6. #285
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    The countries that look after their most vulnerable generally do better economically, in academics, they have less problems relating to alcohol, less dependence on the state, lower levels of crime.

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  8. #286
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    Quote Originally Posted by wannawannabe View Post
    Not to be rude but if Centrelink rates were high enough for you to save for a house deposit (without resorting to extreme measures like wiping your butt on newspaper hehe) then there would be absolutely no incentive to get a job.
    I guess it's the glass half full or empty thing. I don't see money as the only incentive to work!!! No way. I am sure most feel the same.

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    Everyone is entitled to spend their centrelink benefits how they want but what irks me is those who spend their benefits on drugs, alcohol, smoking, gambling and then cry that they cant afford to house, feed or clothe their family...

    I am a firm believer in the card system ..certain payments available on a card that can only be used for food , clothing or rent...

    yes i get centerlink- i get FTB A & B and its hardly enough to buy a trolley full of groceries but i am thankful for the small amount I get as it allows me to contribute to the household expenses whilst i am studying and looking for work.

  11. #288
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    PlayNice is offline Saving the world one chocolate at a time
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    Addiction requires treatment, not ill-informed judgment.

    Thats all I'll say.

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    Quote Originally Posted by BigRedV View Post
    The countries that look after their most vulnerable generally do better economically, in academics, they have less problems relating to alcohol, less dependence on the state, lower levels of crime.
    I don't think anyone disagrees with that. What people disagree about is the extent to which someone should be able to 'get ahead' while living off welfare.

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    Quote Originally Posted by PlayNice View Post
    Addiction requires treatment, not ill-informed judgment.

    Thats all I'll say.
    Yep. One of the best sentences I've seen on by hub.

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