What is the alternative? As with so much socialist wickedness we’ve experienced during six Labour Governments, the problem has never been easier to solve; the new Government could do so quite easily if they so desired. What I propose is to take a good look at the New Zealand population; one thing you find fairly quickly is most people are able-bodied, gainfully employed, and neither seek nor require the state to take care of them.
We should therefore allow people to opt out of the welfare system and make their own arrangements.
Yesterday I went to an insurance company website and undertook some theoretical quotations. These were the following:
1. $250,000 life insurance
2. $2500 per month of income protection insurance for up to five years
3. $125,000 of serious/critical illness cover (i.e. if you have a stroke or heart attack or something like that)
If you compare these payouts with what the socialist welfare department doles out (for which you’re meant to feel grateful and assume it’s all incredibly virtuous), you find it’s considerably more: notwithstanding the fact that nobody actually wants a payout!
I sought quotations for the following scenarios which are not too far away from an ordinary man in the street:
1. A 25 year old male, non smoker, earning $55,000 per year
2. A 30 year old male, non smoker, earning $65,000 per year
3. A 35 year old male, non smoker, earning $70,000 per year
4. A 40 year old male, non smoker, earning $80,000 per year
It should be noted that the actual income earned doesn’t matter, doesn’t affect either the premium or payouts – lest anyone claims to be 40 and only earning $53,000 (in which case you really need to pull your socks up!).
The premiums are as follows:
1. $876 ($73 per month) for the 25 year old
2. $912 ($76 per month) for the 30 year old
3. $1044 ($87 per month) for the 35 year old
4. $1332 ($111 per month) for the 40 year old
There is absolutely no reason or justification why several hundred thousand people who are, as I say, able-bodied, gainfully employed and fit as a fiddle cannot opt out of the welfare system and make their own arrangements where any claim made would vastly exceed what the state would give them. The premiums could be funded by a 2 percentage point reduction in their income taxes (ie: reducing their 17.5% tax rate down to 15.5%) and then with a stroke of a pen we will have a sizeable chunk of the population self-reliant and no longer treated like infants.
What is the worst aspect of all this, what proves how far we have sunk as a nation in recent decades, is that the sole argument against such a proposal is socialist ideology; the left-wingers want people indigent if they fall ill and dependent upon the state. Cruel, evil, and unspeakably wicked: further proof of how much left-wingers actually despise the ‘people’. Add into the mix Kiwisaver beavering away creating a tidy capital sum by retirement age and we could easily create a nation of hardworking free people once again.
Capitalist is a simple country boy from the deep south who seeks nothing less than the destruction of socialism and collectivism in New Zealand. This article was first published HERE
Yesterday I went to an insurance company website and undertook some theoretical quotations. These were the following:
1. $250,000 life insurance
2. $2500 per month of income protection insurance for up to five years
3. $125,000 of serious/critical illness cover (i.e. if you have a stroke or heart attack or something like that)
If you compare these payouts with what the socialist welfare department doles out (for which you’re meant to feel grateful and assume it’s all incredibly virtuous), you find it’s considerably more: notwithstanding the fact that nobody actually wants a payout!
I sought quotations for the following scenarios which are not too far away from an ordinary man in the street:
1. A 25 year old male, non smoker, earning $55,000 per year
2. A 30 year old male, non smoker, earning $65,000 per year
3. A 35 year old male, non smoker, earning $70,000 per year
4. A 40 year old male, non smoker, earning $80,000 per year
It should be noted that the actual income earned doesn’t matter, doesn’t affect either the premium or payouts – lest anyone claims to be 40 and only earning $53,000 (in which case you really need to pull your socks up!).
The premiums are as follows:
1. $876 ($73 per month) for the 25 year old
2. $912 ($76 per month) for the 30 year old
3. $1044 ($87 per month) for the 35 year old
4. $1332 ($111 per month) for the 40 year old
There is absolutely no reason or justification why several hundred thousand people who are, as I say, able-bodied, gainfully employed and fit as a fiddle cannot opt out of the welfare system and make their own arrangements where any claim made would vastly exceed what the state would give them. The premiums could be funded by a 2 percentage point reduction in their income taxes (ie: reducing their 17.5% tax rate down to 15.5%) and then with a stroke of a pen we will have a sizeable chunk of the population self-reliant and no longer treated like infants.
What is the worst aspect of all this, what proves how far we have sunk as a nation in recent decades, is that the sole argument against such a proposal is socialist ideology; the left-wingers want people indigent if they fall ill and dependent upon the state. Cruel, evil, and unspeakably wicked: further proof of how much left-wingers actually despise the ‘people’. Add into the mix Kiwisaver beavering away creating a tidy capital sum by retirement age and we could easily create a nation of hardworking free people once again.
Capitalist is a simple country boy from the deep south who seeks nothing less than the destruction of socialism and collectivism in New Zealand. This article was first published HERE
3 comments:
Seem to be advocating the US system, a nightmare for all except the very rich, and very grim for the unemployed/unemployable.
The tax discount nowhere near going to cover the cost to individual.
As long as welfare is seen as a life style option it will be exploited.
However there are unequivocally those that need help and for various reasons are not able to help themselves. We have a collective social responsibility to provide for these people.
the welfare state worked OK when the number on benefits were low. Unlike now with the job seeker and solo mother benefit so abused.
Actually as an educationalist I believe a world class education system as we used to have is the answer combined with the attitude that being unemployed was an absolute disgrace. I don't believe you can discuss the welfare state without considering the necessity of a good education system which we no longer have.
It is irritating to me that writers on the welfare topic seldom mention education. There is certainly never any mention of the lack of morality and work ethic in our schools.
What has ruined our education was having socialism infused into it in the 1950s by the Fraser government. This new ideology was called progressive education and its main tenet was that education was to be a vehicle for social change rather than schooling focused on academic achievement. The first to go was structured , explicit and systematic phonics which is now shown to be the best and only way of teaching reading. Then there was condemnation of rote learning tables which is now proven by cognitive science to be correct pedagogy. Ever so gradually progressive education removed all pedagogy that was effective until now as a country we are rock bottom in the basics. You advance nowhere without this.
Those who fail in the basics because they were never taught them properly are doomed to only menial low paid jobs regardless of how motivated they are. Two thirds of those who fail to be competent in literacy will end up in prison or welfare. Foolish sociology has been introduced into educational theory to excuse all the failure instead of analyzing the error of progressivist thought itself.
Hopefully there will be a renaissance in this country to rectify 70 years of error in educational thought so we can have welfare for only those who need it not wasting monies on those handicapped by the present system or brainwashed into victim hood.
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