Deleted
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Post by Deleted on Aug 22, 2024 8:18:44 GMT
No, I'm really not saying any of that either. I'm not sure why you read these things into my posts.
I'm simply saying there should be extra support for those who aren't eligible for WFA under these rules to ensure the extra 2 million who don't have it can get it, maybe it would be easiest for the govt to disburse these in direct vouchers or something via community hubs the elderly use.
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Post by dappy on Aug 22, 2024 8:37:44 GMT
I am trying to understand exactly what you are proposing.
Have I understood it right now
You propose no change to the state pension You propose no change to pension credit You now propose no change to the new means tested system for WFA. You now seem to be proposing a new benefit awarded to those people who have an income above pension credit level but (presumably?) below some higher undefined figure payable at presumably (?) the same rate as WFA. It appears that this benefit will be payable not in cash but in some form of voucher that the elderly will then have to work out how to use to pay for their presumably on line utilities and they will have to travel to some sort of “community centre” to collect them.
Have I now understood your proposal?
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Deleted
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Post by Deleted on Aug 22, 2024 8:49:53 GMT
Again, my post doesn't state any certainty it says "maybe", I'm proposing that the best way to do it is undetermined at this point, but I'm personally against 2 million pensioners in fuel poverty going without heating
That's my position
Is it easy enough for you to understand without adding extra words?
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Post by dappy on Aug 22, 2024 9:04:04 GMT
If you want to solve a perceived problem, you have to say what the solution is. After much prodding you seemed to propose a solution. You now seem to be rowing back from it again perhaps realising that it was a bit silly.
Would you like to have another go at explaining exactly what you are proposing now?
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Deleted
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Post by Deleted on Aug 22, 2024 9:06:42 GMT
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Post by Deleted on Aug 22, 2024 9:13:15 GMT
Pretty sure a lot of community hubs also double as warm banks now, all warm banks should have a program for determining eligibility for fuel vouchers. It really is a travesty that old people have to go to "warm banks" to keep warm in the winter in a first world country
I might think it's wrong under the Tories but at least they stab you in the front as Amadan/Thomas puts it - Labour just stab people in the back don't they?
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Post by AvonCalling on Aug 22, 2024 10:27:30 GMT
There is always much rhetoric. Is it more important in your view for the state to spend its resources on subsidising fuel bills for people in a strong financial position just because they are old or instead use those resources for people of whatever age who are struggling financially. None of the above They should by all means cut WFA to rich pensioners, but not cut it to anyone who is not on state benefits, many poor don't qualify, don't know to claim it or are too proud to claim it and should be given help where help is needed, that's it Not pointed at anyone although I don't agree with the "miniscule" definition but I think we have covered that
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Post by AvonCalling on Aug 22, 2024 10:29:23 GMT
Comparing state pensions across Europe is always misleading. Many countries in Europe have far higher contributions to the state pension as they have effectively nationalised private pensions. We go for a mixed pension system which allowed people to choose how much to save for their pension, many people were stupid and put aside the minimum and guess what, they've got small pensions as a result. I do not think small pension savings = stupid. Some people don't earn that much. I agree that some people make bad decisions or possible uninformed ones but stupid seems condescending and dismissive to me
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Post by AvonCalling on Aug 22, 2024 10:34:23 GMT
Probably because wages are so low in England et al and they couldn't afford it, but in some people's worlds that makes them stupid Or because they went on foreign holidays, bought flashier cars etc. Anyone can speculate but the fact is some chose not to put anything but the legal minimum into their future pensions. But you did speculate and your conclusion was that they were stupid. You also speculate that some people choose not to put more in than the minimum. But sometimes a choice isnlt really much of a choice. For example I doubt you would disagree that there are some people who are having to choose between heating or eating or that some people rely on food banks. I would say saving for a pension is further down the list of priorities for these people than food and heating so not really a choice.
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Steve
Hero Protagonist
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Post by Steve on Aug 22, 2024 10:53:36 GMT
When I was in my early 20s I was advised to make sure I had my pension plans sorted. So I did. I drove a succession of beaten up Cortinas for years and had no holidays and when I asked many of those I knew that were living better about pensions they'd say 'I'll worry about that later' That was stupid.
And I say again those women that opted for the married woman contribution were very stupid if they thought they'd end up with a state pension that would keep them in the quality of life they had when they are their husbands were employed.
Because we are (rightly) a compassionate society they get pension credit of £11.4k a year plus WFA and other benefits.
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Post by dappy on Aug 22, 2024 10:59:07 GMT
Having rowed away from your silly solution you now seem to be rowing back towards it. Are you seriously asking why it is silly? You are saying that old people on the lowest incomes on pension credit will get their equivalent of £4 per week fuel allowance in cash but some people who have earnings higher than that will still get a benefit but for some reason they can only get that benefit in the form of a voucher that they can seemingly only use if they have a prepayment meter (which are always more expensive) and they have to travel to a “community centre” to collect their voucher rather than simply get it paid into their bank and we still haven’t worked out who is eligible for these vouchers (or is it simply free quasi money for anyone who asks). And you seriously ask why this scheme is silly? Really?
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Deleted
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Post by Deleted on Aug 22, 2024 13:31:01 GMT
Having rowed away from your silly solution you now seem to be rowing back towards it. Are you seriously asking why it is silly? You are saying that old people on the lowest incomes on pension credit will get their equivalent of £4 per week fuel allowance in cash but some people who have earnings higher than that will still get a benefit but for some reason they can only get that benefit in the form of a voucher that they can seemingly only use if they have a prepayment meter (which are always more expensive) and they have to travel to a “community centre” to collect their voucher rather than simply get it paid into their bank and we still haven’t worked out who is eligible for these vouchers (or is it simply free quasi money for anyone who asks). And you seriously ask why this scheme is silly? Really? I never "rowed away" from my solution, I simply said "maybe" meaning it's a possible idea I haven't researched? I pointed this out to you and you utterly falsely said I'm "rowing away" from it Dappy, why do you lie about everything everyone posts? It's starting to get really annoying. At no point did I either "row away from it" or "row back towards it". Where did I say people with earnings higher than that will still get a benefit but in the form of a voucher? I said that those who don't qualify for WFA for whatever reason will get a voucher Do you understand how pension credit works and how things like savings and deferred pensions affect it? For the simple crime of having savings in your accounts, you will be counted as having income and you may be ineligible for PC, other benefits and obviously winter fuel allowance now as a result. Do you understand that it's not half as black and white as you keep making out?
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Post by dappy on Aug 22, 2024 14:56:21 GMT
Pension credit has all sorts of conditionality eg property costs . You can try to obscure the utter silliness of your scheme with that if your latest ruse fails.
Bottom line is still that you wish to introduce a new benefit to give state money to those old people whose circumstances mean they are unable to claim pension credit. For some bizarre reason you want to add cost and complexity by paying that benefit by voucher and requiring the claimant to attend a “community center” rather than paying into their bank as pension credit does but let’s ignore that utter silliness and focus on your benefit.
How much would that benefit be and what would be your eligibility criteria. I have been asking patiently for this information for hours now while you have been busy rowing back and forth. Could you give us an answer now please.
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Deleted
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Post by Deleted on Aug 22, 2024 15:00:55 GMT
Pension credit has all sorts of conditionality eg property costs . You can try to obscure the utter silliness of your scheme with that if your latest ruse fails. Bottom line is still that you wish to introduce a new benefit to give state money to those old people whose circumstances mean they are unable to claim pension credit. For some bizarre reason you want to add cost and complexity by paying that benefit by voucher and requiring the claimant to attend a “community center” rather than paying into their bank as pension credit does but let’s ignore that utter silliness and focus on your benefit. How much would that benefit be and what would be your eligibility criteria. I have been asking patiently for this information for hours now while you have been busy rowing back and forth. Could you give us an answer now please. You're an extremely dishonest and irritating poster who isn't worth the time or effort of answering, frankly, all you've done is try a "gotcha" every single post by misrepresenting, or flat out lying about what I've said I'm rather sick of it and I suspect I haven't been the only one over the years, I remember other posters infuriated at the way you flatly lie about what they say and claim their posts are stupid - when they never said a word you insinuated Go hassle someone else
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Post by AvonCalling on Aug 22, 2024 15:34:57 GMT
Aren't we pretty much all agreed that handing out WFA to wealthy pensioners is silly. So therefore we are all in favour of removing WFA for wealth pensioners. So "all" we have to agree on is "What is our definition of a wealthy pensioner"
What are pension credits and why do we have them. I have tried to understand this and visited various pension websites and find it very confusing and whilst I am not the smartest person int he world I am not dumb. This is one of the reasons I objected to Steve calling people stupid in respect of pensions...because they keep being chnaged and the rules can;t be straight forward if I can ask people who are smart how it works and they can't figure it out or answer it either.
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