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Helping the less fortunate

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  • #532834
    Bobbee
    Member

    Isn’t it easy to get off-topic…..whoops…..guess what I just did!

    :hijacked:

    🙂

    #532835
    Robyne
    Member

    Son and I joined a group on Sunday, called the Natural Resource Center Inc It cost us $10 for a year.

    It would be a great way to help people struggling to feed their families as its a share the food and growing.

    It goes from Feeling in SA over to Mount Pleasant down to Middleton on the South Coast.

    You take along something to swap. I had some Diggers seeds from some capsicums we had grown over summer.

    I swapped it for Rhubard.

    Its on the first Sunday of the month.

    The Adelaide branch of the group phone number is 08 83901891 web site id http://www.ahnrc.org

    gawler is 08 85237700 http://www.nrcgawler.org.au

    Willunga is 08 85564188 http://www.willungaenviro.org.au

    #532836
    Xio
    Member

    IMO anyone who can afford internet access, a mobile phone & a host of other ‘luxury’ items, is not hard up! It’s got nothing to do with taxes because if you’re ‘hard up’ you’re not paying taxes.

    Too many however rort the system.

    Xio

    #532837
    Bobbee
    Member

    :hijacked:

    #532838
    Snags
    Member

    Xio post=356848 wrote: IMO anyone who can afford internet access, a mobile phone & a host of other ‘luxury’ items, is not hard up! It’s got nothing to do with taxes because if you’re ‘hard up’ you’re not paying taxes.

    Too many however rort the system.

    Xio

    Surely your trolling ????

    Thats an outrageous statement to make

    Internet and mobile phone access is a necessity of the modern age.

    Without it you are isolated and have no way of getting a job.

    Re taxes everybody pays GST

    Not everybody has access to an accountant or high priced lawyer to set up a trust fund to avoid paying their taxes though.

    I suggest you do some research on were taxes go and how the system is skewed in favour of the rich.

    THE richest fifth of households receive nearly half of all the wages paid in Australia – but also get about 12 per cent of all government handouts, new research by the Bureau of Statistics shows.

    Read more: http://www.theage.com.au/national/rich-cash-in-on-welfare-20121114-29d0w.html#ixzz2W8MHJPKB

    http://www.theage.com.au/national/rich-cash-in-on-welfare-20121114-29d0w.html

    #532839
    Airgead
    Member

    Ok Ok.. guys… guys… guys…

    Ourselves. In our communities.

    Yes plenty the government could do better. Not what this thread is about. Plenty big companies could do better. Also not what this thread is about.

    Ourselves. In our communities.

    Plenty we can do to help ourselves and not just grumble about taxes.

    One thing this does highlight is maybe some need for an advisory service to help people choose the best phone/internet/energy/whatever plan fort them and help out with budgeting and financial planning. I know there are plenty of places that will do that for a fee but I’m thinking of a volunteer type thing free to low income earners. Maybe it already exists and no one knows about it…

    Cheers

    Dave

    #532840
    Ggang
    Member

    As “mummyjas” said

    Unfortunately I think a big part of the problem is that a lot people would prefer to complain and blame the government than do something about it.

    I totally agree with that. We are a couple on the pension and find we can live easily and even keep a herd of goats :laugh:

    Basic education is what is needed :tup: but many are so brainwashed by TV they dont want it ……. I know that sounds judgemental but it is true …….. As an ex tax consultant and financial adviser I have offered my help free but just get told all these things that we consider a luxury like aircon, plasma tv both running all day and half the night etc are basic rights ……….. so really what can you do :shrug:

    we are building a cottage and will offer free rent in exchange for 10 hours work a week mainly in the garden …….. but seems its too far from the city, doesnt have aircon, its too tying to work and too hard to garden without using pesticides …..

    #532841
    Snags
    Member

    Im assuming as a retired tax agent and financial adviser you are a self funded retiree ,there is plenty of tax payer assisted assistance when you have excess money to top up your super. (you needed excess money to utilise this)

    Lots of people dont have that.

    SFR can also be quite asset rich and still get a fair bit of government assistance which is also taking money form the genuinely needy.

    So there are pensioners and there are pensioners.

    All got government money, some got more of it because they were richer and the tax laws were set up in their favour.

    It is a catch 22 when you have little money, you dont have money to socialise and increase you possibility to get a job and staying in and watching TV is the cheap alternative to kill the boredom.

    Changing your old Plasma TV for and LED or LCD is a good step for the TV addicted.

    The power cost savings will pay for it in no time.

    Not everyone has the money for insulation and redesigning their house or lifestyle changes.

    Pensioners go to shopping centres to use the free heat or aircon during the day,its pretty hard to not spend or find somewhere to sit most of the day.

    Library is another option thats free.

    #532842
    Judi B
    Keymaster

    trandto wrote: When I owned a business I stopped giving the excess food away to the Salvo’s “Mancare center” as we were warned we could be sued if someone became ill.

    All the food brisvegas gets is supermarket stuff not pre-cooked food, noodles/pasta and rice are filling, anything needing to be kept cold is, little sachets of coffee and sugar come in handy, same with soaps and shampoos…. It all helps to stretch the budget.

    mummyjas wrote: I think one of the biggest things we can do is just get to know our community, talk to people and offer our help or not be ashamed to ask for help.

    A lot of charities will also offer financial planning and budget advice.

    We did that when we first got here we would go and help with things…. We’d loan tools and if we were lucky we’d get them back in the same condition as they were, I’d lend gardening books only to get them back all marked as if they had been left in the garden, build sheds, mow lawns, cook at functions, and clean up after functions, and when we asked for help everybody disappeared.

    We used to help out in one of the charities and I can tell you nothing is confidential in there we’d hear them talking about the person after they had left and they’d go tell others… so never asked them for help.

    Xio wrote: IMO anyone who can afford internet access, a mobile phone & a host of other ‘luxury’ items, is not hard up! It’s got nothing to do with taxes because if you’re ‘hard up’ you’re not paying taxes.

    Everyone who has a house over their heads pays tax in one form or another. If you own your house you pay rates, if you rent it is in your rent. Internet is important for keeping in contact and for learning. Mobile phone isn’t really a luxury any longer have you ever been on the road travelling and the car breaks down miles from anywhere phone comes in handy, and public phones are disappearing or damaged.

    Airgead wrote: One thing this does highlight is maybe some need for an advisory service to help people choose the best phone/internet/energy/whatever plan fort them and help out with budgeting and financial planning.

    We have checked out phone plans and the one we have suits our budget, I can’t get BB here until we get the driveway fixed I had planned to get it for my birthday this year but Mother Nature had other ideas, no other companies have dial up anymore. Power we don’t have a choice only one supplier.

    We are going to have to redo our budget as the council are increasing the rates and there is talk of a road levy of about $200yr, then the state have increased things as well we are wondering if we pay the state fire levy will the council keep charging a fire levy.

    #532843
    Ggang
    Member

    Snags I am a disability pensioner hubby my carer …….. I worked for H & R Block as a tax consultant and they sent me to be trained as a financial adviser so I could sell clients with savings “investment”products ……… basically convinced me how all financial advisers are suss :dry: but all that did teach me how to budget ……..

    Then I got too sick to work and so sick hubby had to give up his job so we are well acquainted with hardship and doing without – overnight our income dropped by 75%………. but now 15 years later after budgeting and doing without we are as I said quite comfortable living on the pension

    BTW I didnt have any private super and never had any tax deduction for contributions ……. but hubby did have some from a defined benefits company scheme with ALCOA again no big tax deductions ………and no enormous payout ……. but it did help to tide us over

    #532844
    clarecc
    Member

    Education seems promising no handouts just information – helping people find out resources they can use (join community gardens, thrift shops, govt schemes they may be eligible for, use library (e.g DVDs, computer use), freecycle, info on jumping through centrelink hoops etc), as well as training in budgeting, bulk and on special buying, shopping around, cooking from basics, how to find the best phone/bank deals, gardening, make your own cleaners etc. I have heard in India they have had huge success with local community banks – give loans to allow start up business but I don’t think that would work too well here because we don’t have the same culture. You have more control over your spending than control over your income.

    Some random ideas:

    Bulk buying clubs, network for thrift shop/garage sales/ebay specials, forums to share money savings ideas.

    #532845
    Xio
    Member

    I mentioned earlier that if you’re ‘hard up’, you don’t pay tax. I should have said ‘direct tax’ or PAYE tax if you like. Yes we are all hit with indirect taxes GST, rates, some levies etc.

    Why for instance do some on say the old age pension still choose to live in a big & sometimes expensive home that might cost a fortune to keep in good order, instead it may well be falling down around them. Maybe sentimental value?

    Where are families of some of these people, are they so selfish that they don’t offer assistance to their parents when they are old & in financial ‘poor shape’?

    Like some others who have posted on this thread at various stages I have attempted or made efforts to assist in one way shape or form, it rarely works?

    The system is @#$%&* IMO.

    Too much money spent of overseas assistance, too much money on illegal immigration, too little money on hospitals, the education system & a myriad other projects.

    Anna Bligh, Bob Carr, Wayne Swan & Gillard & let’s not forget Bob Brown & Ms Milne have done good jobs at screwing the so called ‘average’ Australian.

    Lets not forget the lily livered politicians who won’t address law & order problems, why should one not feel safe walking a street at night? Magistrates who refuse to do their jobs & lock up the zombies who prey on the defenceless.

    We’ve also created a welfare mentality in Australia. Something for nothing is their mantra. It has to stop.

    I’ve made the comments here not because I’m ‘hard up’, defenceless or on welfare, but who knows what lies down the path in front of us!

    Xio

    #532846
    Ggang
    Member

    Xio so why would you think the libs wont screw ordinary aussies over ? after all ever Lib govt has protected their rich mate at the cost of the poor – and you sound like you want to scrap “welfare” that w1il really help the less fortunate . 👿

    #532847
    calliecat
    Participant

    they probably will, but labor are supposed to be for the people, and look what they’ve done already

    with labor you get debt, with libs you get money, not a criticism, but statement of fact, troughs and waves – it’s the way it’s always been

    and this is not staying on topic, – sorry admin

    :hijacked: before anyone else does it to me :laugh: :laugh:

    but in my defence I didn’t start it :laugh: :laugh:

    #532848
    Snags
    Member

    Xio post=356947 wrote:

    We’ve also created a welfare mentality in Australia. Something for nothing is their mantra. It has to stop.

    Xio

    Totally agree lets start with upper middle class welfare.

    THE richest fifth of households receive nearly half of all the wages paid in Australia – but also get about 12 per cent of all government handouts, new research by the Bureau of Statistics shows.

    Read more: http://www.theage.com.au/national/rich-cash-in-on-welfare-20121114-29d0w.html#ixzz2WYR9aV7C

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