We need lose £10,000 before social services grab it

grizzly1911

tranmere_2112 wrote: »

The payment we are having to pay is on top of the council tax.. like i said earlier we are paying tax by the back door again.
We have had them emptied for years paying for the privilage with our council tax, now the tories are in they now want to squeeze more cash out of us.

Tell them to take it away.

Sort it out yourself.

Glen_Clark

atush wrote: »

There is no 'bedroom tax'. There is a 'I do not want to pay for your spare room' adjustment if you don't have enough people in your council paid accomodation.

Get over it or buy your own home.

You usually make very good comments atush, but that isn't one of them.
Government restrictions on the supply of housing has created the situation where there aren't any affordable smaller properties to move into, and since the Government has inflated house prices through money printing millions simply cannot afford to buy their own home since there aren't enough proper jobs.:(

Dunroamin

OP, you can stop trying to cheat the rest of us as you're allowed to have up to £23,000 of savings before you have to pay fees,

Mind you, I hope she leaves it all to the cats' home.

Rylynn

Glen_Clark wrote: »

You usually make very good comments atush, but that isn't one of them.
Government restrictions on the supply of housing has created the situation where there aren't any affordable smaller properties to move into, and since the Government has inflated house prices through money printing millions simply cannot afford to buy their own home since there aren't enough proper jobs.:(

:T:T Well said Glen
And for that we can blame Mrs Thatcher for selling them all off and not rebuilding new social housing!

My neighbour is disabled, has her 12 year old grand daughter live with her, and now because the house has 3 bedrooms her benefits will be hit, and they have no two bedroomed homes to move her into, which for me is very unfair.

I also agree on the house prices and lack of jobs. My youngest son is not likely to ever own his own home, unless he lands some super dooper well paid job! Mind you what job, there are so many here on the dole and we live in what is known as an affluent area, ie Cambridge!

You cannot blame some people who cannot work through illness but they are bearing the brunt as well as some lazy good for nothings who never have any intention of working let alone properly looking for work, those are the ones who should be penalised, not the elderly or infirm, or in a situation where they are trying so hard to find work but cannot.

RL

HHarry

Rylynn wrote: »

:T:T

My neighbour is disabled, has her 12 year old grand daughter live with her, and now because the house has 3 bedrooms her benefits will be hit, and they have no two bedroomed homes to move her into, which for me is very unfair.

RL

I thought that those with disabilities were exempt from the reduction in benefits?

Fishingtime

tranmere_2112 wrote: »

She paid her taxes for over 60 years dont you think the little she has saved can go where she would like it to go.

I agree with you if she had not saved a penny in the 60 years, then us the taxpayer would have to pay for the care.
Makes no sense in saving if that is going to happen

Dunroamin

HHarry wrote: »

I thought that those with disabilities were exempt from the reduction in benefits?

You're thinking of the benefits cap. Only disabled people who need a spare room for an overnight carer are exempt from the reduction of HB.

redbuzzard

Fishingtime wrote: »

I agree with you if she had not saved a penny in the 60 years, then us the taxpayer would have to pay for the care.
Makes no sense in saving if that is going to happen

I think you have just highlighted the problem with welfare, not the problem with saving.

What would happen if everybody decided there was "no point" trying to provide for themselves at any point in their lives?

I do think residential care is more debatable as it is so expensive and almost no one can pay for it from income. But it does seem in this case the lady's savings would be ignored.

AlwaysLearnin

I think the problem is the "something for nothing" culture. People generally don't mind pitching in to help others, but the resentment starts when you give people an inch and they want a mile, and/or they come to expect it as a right.

redbuzzard

It's a tough one.

For the sake of argument, subject to the caveat of inflation, the boss and I should have in today's terms about 40k pa of gross income when I am 65 plus about £300k in a SIPP and £250k of other savings depending on what we spend between now and then, and a house, whatever that is worth. Due in no small part to thrift, as we have only had one earner for most of our married life and very few foreign holidays.

The reason for the prudence is that we have always thought that we should provide for ourselves, not least because the state is unreliable. Does that make us mugs?

Our retirement income will be available to contribute to our care costs if needed, and that will be more than many can contribute. Would that make it more, or less, defensible to set up lifetime trusts for the house and a chunk of savings to try and ensure that our children could inherit something?

I'm not planning to do that at the moment BTW. But never say never, given the seeming moveability of all goalposts.