Full Time Work...What a load

barbiegirl

Just some quick questions for the OP. When he gets sick who will pay his doctor, hospital bills, etc? Yep we stooges will because if he's working part-time he's basically paying no tax.
Who paid for his education? yep more 40 hour stooges.
When he gets too old to work who'll provide his pension? yep us again.
I am a full time worker and proud to be so. I was brought up to be socially conscious, that we who can work do to help educate and care for those who need it. I love my job, it's fun, challenging, has a chance at career progression and if I do it right I help other businesses to run better.
I also have time for family, friends, hobbies etc. I take great holidays because I can, I pay my bills and occasionally treat myself to nice things. My husband and I also pay into a savings account, two pension accounts, health insurance and life assurance.
We enjoy our lives, we are not stressed most of the time, we like what we do. OP if you can cover yourself working part-time, can save enough to cover yourself when sick and old and are sure that living in a house share is what you want forever, off you go. I just don't think it's fair to then ask us, who you seem to see as nothing but mindless plebs to cover your ass when you can't.

krudler

barbiegirl wrote: »

Just some quick questions for the OP. When he gets sick who will pay his doctor, hospital bills, etc? Yep we stooges will because if he's working part-time he's basically paying no tax.
Who paid for his education? yep more 40 hour stooges.
When he gets too old to work who'll provide his pension? yep us again.
I am a full time worker and proud to be so. I was brought up to be socially conscious, that we who can work do to help educate and care for those who need it. I love my job, it's fun, challenging, has a chance at career progression and if I do it right I help other businesses to run better.
I also have time for family, friends, hobbies etc. I take great holidays because I can, I pay my bills and occasionally treat myself to nice things. My husband and I also pay into a savings account, two pension accounts, health insurance and life assurance.
.

Dream House?

Legs.Eleven

barbiegirl wrote: »

Just some quick questions for the OP. When he gets sick who will pay his doctor, hospital bills, etc? Yep we stooges will because if he's working part-time he's basically paying no tax.
Who paid for his education? yep more 40 hour stooges.
When he gets too old to work who'll provide his pension? yep us again.
I am a full time worker and proud to be so. I was brought up to be socially conscious, that we who can work do to help educate and care for those who need it. I love my job, it's fun, challenging, has a chance at career progression and if I do it right I help other businesses to run better.
I also have time for family, friends, hobbies etc. I take great holidays because I can, I pay my bills and occasionally treat myself to nice things. My husband and I also pay into a savings account, two pension accounts, health insurance and life assurance.
We enjoy our lives, we are not stressed most of the time, we like what we do. OP if you can cover yourself working part-time, can save enough to cover yourself when sick and old and are sure that living in a house share is what you want forever, off you go. I just don't think it's fair to then ask us, who you seem to see as nothing but mindless plebs to cover your ass when you can't.

Part-time workers don´t get a medical card, so would cover most of their own expenses in Ireland. And part-time workers do pay taxes, don´t they? I did when I lived there and it was a fair chunk out of my salary every month. Also what about VAT? Part-time workers pay that too, don´t they?

OldNotWIse

Legs.Eleven wrote: »

Part-time workers don´t get a medical card, so would cover most of their own expenses in Ireland. And part-time workers do pay taxes, don´t they? I did when I lived there and it was a fair chunk out of my salary every month. Also what about VAT? Part-time workers pay that too, don´t they?

Part time workers would have to be on a very high rate to be paying any substantial tax tbh, are you sure you were availing of the right tax credits?

Re the medical issue, its not just medical cards that are funded by the taxpayer - what about the public healthcare system?

State pension?

Will OP be waxing lyrical about the merits of free and easy living when he avails of the state pension that he has contributed nothing to?

Legs.Eleven

Legs.Eleven wrote: »

I suppose the fundamental difference between you and me is that you probably saw it as a stop gap - something temporary. You´re in a well paid job now, so obviously you gave it up. This is a life I´ve decided to continue on with into my adulthood (I´m already 33) and unfortunately I find myself doing a bit more "justifying" of my choices now, especially as nearly all my Irish friends are very successful in their fields.

However, the biggest amount of justifying I´ve had to do was with myself. I was never the most studious of people but I was considered smart enough in school and I´ve got a degree (whatever those things mean) and because of the friends I had and how high-achieving they almost all were, I always thought I´d have a "proper" career as an adult. My family didn´t expect it of me but my peers did. I didn´t want to be seen as someone opting for this kind of life when so much focus was put on getting a good career during the Celtic Tiger. I felt stupid and part of me felt this life was beneath me, probably because I was a bit embarrassed as teaching TEFL is not seen as a long-term career choice (back then but not now) and I made excuses for it. Things have changed hugely with the crisis and my mentality is only catching up with it. Only a month or two ago I coped on. Although not ideal by any means, I`m essentially happy in what I do, I´ve loads of free time (I´m finished work already for the day), no stress, enough disposable income for most things I want and I live well enough in a beautiful city in a hot country, so really, what more could I possibly want? Someone here on Boards gave me the advice that you need to decide what to do, take that decision and be content in where youo are now instead of runing the present with what ifs. Probably the best bit of advice I´ve ever got but only something I´ve took on recently. I think they call this growing up and giving less of a **** what people think about you. It´s a nice bit of progression in my life anyhow.

I could have written this. It's a shame so many seem to see TEFL as a Mickey Mouse career. I don't really understand why. You get the cowboy teachers who haven't a clue, but you get that in every profession. I worked in a really good school with a fantastic reputation and taught businessmen, politicans and sons and daughters of presidents of various countries. All the teachers had degrees and many had Oxbridge degrees and postgrads. This was in addition to the CELTA certificate which qualified us to teach English and many also had the DELTA - not an easy diploma to get. The standard of teaching was amazing - people used to spend ages planning lessons and doing marking. We offered all kinds of courses from business to pronunciation to exam preparation. Yet whenever I told someone what I did, I always got that 'oh, just TEFL' sneering kind of attitude. School teachers are (generally) respected, but TEFL teachers aren't. It's very unfair.

Legs.Eleven

Part time workers would have to be on a very high rate to be paying any substantial tax tbh, are you sure you were availing of the right tax credits?

I´paid 20% on my wages as I earned more than the (very low) cut off limit.

Re the medical issue, its not just medical cards that are funded by the taxpayer - what about the public healthcare system?

Part-time workers pay PAYE and VAT among other taxes, so that contributes to that. Doctor´s appointments aren´t free for non-medical card holders. I don´t think I got anything free when I lived there and worked part-time as a student. Had to see an ear specialist - paid for that. Had to see a dermotologist - paid for that. It seems you only get anything free on that system (if you´re working, even part-time) if you´re on death´s bed and even then it´s iffy.

State pension?

The State Pension (Contributory) is paid to people from the age of 66 who have enough Irish social insurance contributions

You won´t it unless you´ve paid enough into the system.

Will OP be waxing lyrical about the merits of free and easy living when he avails of the state pension that he has contributed nothing to?

He won´t get it unless he´s contributed to it.

OldNotWIse

Legs.Eleven wrote: »

I´paid 20% on my wages as I earned more than the (very low) cut off limit.



Part-time workers pay PAYE and VAT among other taxes, so that contributes to that. Doctor´s appointments aren´t free for non-medical card holders. I don´t think I got anything free when I lived there and worked part-time as a student. Had to see an ear specialist - paid for that. Had to see a dermotologist - paid for that. It seems you only get anything free on that system (if you´re working, even part-time) if you´re on death´s bed and even then it´s iffy.

You won´t it unless you´ve paid enough into the system.



He won´t get it unless he´s contributed to it.

What does VAT have to do with wages though?

Your tax might be 20% but if you earn say 350 pw, then your tax is eur70...but a single persons tax credit is just under that so you would only paya couple of euro.

I hear you re medical cards - I'm a worker and I usually cant afford a doctor tbh. It's irritating as fuuck.

Also, there is the "non contributory state pension" for the likes of him, is there not?

Legs.Eleven

What does VAT have to do with wages though?

VAT has nothing to do with wages but it´s a tax we ALL pay, so to say they don´t contribute is not true. That was my point.

Your tax might be 20% but if you earn say 350 pw, then your tax is eur70...but a single persons tax credit is just under that so you would only paya couple of euro.

Depends on the person´s circumstances. A single person´s tax credits is lower than a married person´s. Married people get all kinds of tax breaks hence the reason they get married. A couple of euro me arse.

I hear you re medical cards - I'm a worker and I usually cant afford a doctor tbh. It's irritating as fuuck.

Can you imagine how much harder it is for someone working part-time?

Also, there is the "non contributory state pension" for the likes of him, is there not?

He´s not unemployed. I think you´re getting confused.

Feathers

Legs.Eleven wrote: »

Depends on the person´s circumstances. A single person´s tax credits is lower than a married person´s. Married people get all kinds of tax breaks hence the reason they get married. A couple of euro me arse.

It's generally far lower if you're working part-time. If you're on €10/hr you'd paid a third the amount of tax if you're working part-time rather than full time.

Even on €32k, you're only paying two-thirds what someone working full-time is paying, it's not like it's pro rata (not that it should be, just making the point).

(Edit: Assuming part-time is half the hours)

Feathers

Feathers wrote: »

It's generally far lower if you're working part-time. If you're on €10/hr you'd paid a third the amount of tax if you're working part-time rather than full time.

Even on €32k, you're only paying two-thirds what someone working full-time is paying, it's not like it's pro rata (not that it should be, just making the point).

(Edit: Assuming part-time is half the hours)

Does it not just depends on how much you're earning?

Feathers

Tax credits for a single person is €1,650 regardless of hours.

So on €10/hr, you pay about 4% of your wage if you work 20hrs/week, but about 12% if you work 40hr/week.

Laneyh

A_Sober_Paddy wrote: »

So been working full time for 6 weeks now and all I've got to say about it is... that it totally sucks...

Why in the name of superman(or buddha/god/who or whatever you believe in) would someone do a full time job, I was working part time and it was grand was making enough money to cover myself and save some, but then a full time position became available and i took it:o Taking the full time job is starting to feel like a serious mistake. I've had to pretty much give a lot of things I really enjoy:mad:

Trying to get to the gym, train and eat properly is genuinely difficult never mind having some time to relax. At times I'm finding myself missing my life as a dolee(cycling 300km a week & gym 3-4 times a week) or even as a part timer(less cycling & gym 3-4 times a week).

I think people who rag on the dolee's on here are doing because they are jealous, cause the dolee's have the right idea...

I've a few mates on the dole, one trains all he wants and is always doing different things, the other is off on his 4 holiday of the year already(yes thats 4 trips abroad since January)

/rant

Maybe you should audition for Tallafornia 3

Legs.Eleven

Feathers wrote: »

Tax credits for a single person is €1,650 regardless of hours.

So on €10/hr, you pay about 4% of your wage if you work 20hrs/week, but about 12% if you work 40hr/week.

So it depends on what you´re earning then.

Legs.Eleven

Feathers wrote: »

It's generally far lower if you're working part-time. If you're on €10/hr you'd paid a third the amount of tax if you're working part-time rather than full time.

Even on €32k, you're only paying two-thirds what someone working full-time is paying, it's not like it's pro rata (not that it should be, just making the point).

(Edit: Assuming part-time is half the hours)

Course it´s generally lower. You pay tax relative to what you earn but it really depends on the part-time work and how much they´re getting paid for it. You´re implying that everyone working part-time is on 10 Euro an hour which is not true.

I´m disputing the idea that everyone else is keeping part-time workers afloat. Part-time workers pay taxes besides from PAYE (and they pay PAYE). If that´s the life they choose for themselves, then so be it. It means getting by generally on a lot less so that´s the sacrifice they choose to make but who are we to dictate what hours they work as long as they´re supporting themselves? I can´t see why someone would have a problem with it.

It´s also very possible that someone working full-time in a supermarket earns less than a part-time Engineer, for example. It all depends on the work and the salary.

Feathers

Legs.Eleven wrote: »

Course it´s generally lower. You pay tax relative to what you earn but it really depends on the part-time work and how much they´re getting paid for it. You´re implying that everyone working part-time is on 10 Euro an hour which is not true.

You were disputing that people working part-time don't pay much tax ("couple of euro my arse"), I was just pointing out that if you were near minimum wage, you'd be paying €8 per week.

I never said they should be paying more. Also wasn't implying that part-time work meant low pay - in the post you just quoted me on I mentioned someone on €32k.

Legs.Eleven

You were disputing that people working part-time don't pay much tax ("couple of euro my arse"), I was just pointing out that if you were near minimum wage, you'd be paying €8 per week.

No, I was disputing the claim that working part-time = paying little tax (it depends on earnings among other things) hence not contributing to society as was stated by some posters here. And again, we pay more than just PAYE, so yes, "a couple of Euros me arse". In reality we all pay a lot more but some people choose to forget.

OldNotWIse

Legs.Eleven wrote: »

Depends on the person´s circumstances. A single person´s tax credits is lower than a married person´s. Married people get all kinds of tax breaks hence the reason they get married. A couple of euro me arse.

A single persons tax credit is just under 70 euro. What do you think such a person earning 350 euro a week would pay in tax?

Also, fair enough he is working, but in 217 you said "he wont get it if he has contributed nothing" suggesting that those who dont work dont get pensions but people who contribute nothing DO get a state pension (its called non contributory).

Legs.Eleven

OldNotWIse wrote: »

A single persons tax credit is just under 70 euro. What do you think such a person earning 350 euro a week would pay in tax?

Also, fair enough he is working, but in 217 you said "he wont get it if he has contributed nothing" suggesting that those who dont work dont get pensions but people who contribute nothing DO get a state pension (its called non contributory).

Not repeating myself. I´ve gone over this already.

Feathers

Feathers wrote: »

Tax credits for a single person is €1,650 regardless of hours.

So on €10/hr, you pay about 4% of your wage if you work 20hrs/week, but about 12% if you work 40hr/week.

The tax credit for a single employed person in Ireland is 3300 euro.

You have to earn just over 16k per year before you have to pay any tax in Ireland (you would have about 450 euro usc for the year alright though).

OldNotWIse

Legs.Eleven wrote: »

Not repeating myself. I´ve gone over this already.

So you dont know...

20% of 350 is 70. Take away tax credit of...say 65? (not entirely sure of the figure) - that means you pay 5.

Do you still think that pensions are only paid to those who contribute? If so, why the distinction between contributory and non-contributory?

Feathers

Nicolas Shallow Banjo wrote: »

The tax credit for a single employed person in Ireland is 3300 euro.

You have to earn just over 16k per year before you have to pay any tax in Ireland (you would have about 450 euro usc for the year alright though).

Cool, I probably forgot to add on the PAYE credit on top of the single-person credit. My mistake!

Blured

Reading the last couple of pages reminds me of how quite a few people just don't understand how the PAYE tax system works. "I pay 20% tax" is akin to the people who ask should they turn down a promotion because it will bump them up to the higher tax bracket and they will be earning less!

OldNotWIse

Blured wrote: »

Reading the last couple of pages reminds me of how quite a few people just don't understand how the PAYE tax system works. "I pay 20% tax" is akin to the people who ask should they turn down a promotion because it will bump them up to the higher tax bracket and they will be earning less!

yup, a friend on the phone last night complaining about his wages. Ok he earns less than me (comes out with around 1500pm) but he lives at home and his parents dont take any money off him for bills/rent/food so his wages are essentially 100% disposable.

Anyway, he was on the phone last night saying he had discovered he was on the wrong pay band and is due to get a backdated payment of a few hundred euro. Happy days? My ars* - he was moaning that he'd have to pay tax on it! He then chewed the ear off me to see if I knew whether it would be taxed. ffs. I pointed out that he would pay 20% of it but that if he divided that 20% by 8 (he was underpaid for 8 months) that's how much more tax he would have paid every month anyway. Like trying to explain algebra to a duck.

artvanderlay

I think if you can identify the life you actually want to live and want to have lots of time for your interests or stuff you are genuinely passionate about (that doesn't pay) then you can live fairly frugally but also have a good standard of life. I'm unemployed at the moment, but I took the time to study for a maths degree part-time to give myself options in life, I have also starting going to (and loving) the gym, and also getting big into playing music, something I always wanted to do but thought I had to work a boring, sensible job. Bollocks! I am on the look-out for a decent part-time job (2-3 days a weeks to pay the bills, which are fairly low as I am frugal at the moment) because I don't want to be on the dole. It makes me sick to go into a dole office seeing people that have never worked a day in their life. I can work so I have no excuse for taking taxpayers money now especially since I know what I want out of life. My ideal situation would be getting a few quid for the part-time job, a few quid for maybe maths grinds or something like that, and long-term I would like to be paid for playing music. I also do a few odd jobs for people (not blow jobs!). I worked since the age of 15 in crappy pubs/bars/offices etc up until a couple of years ago and the best thing I ever did was nothing - just taking time to actually think about things. I was always obsessed with the idea of "what do I want to do with my life" but realise now that "what I don't want to do with my life" is equally important...yadda yadda yadda:)

Legs.Eleven

OldNotWIse wrote: »

So you dont know...

20% of 350 is 70. Take away tax credit of...say 65? (not entirely sure of the figure) - that means you pay 5.

Do you still think that pensions are only paid to those who contribute? If so, why the distinction between contributory and non-contributory?

I DO know because someone already said it? And I already responded to all this so why should I repeat myself if you´re not going to bother reading posts? You still haven´t commented on the fact that I said we pay more than just PAYE?

Part-time workers DO contribute. Do I have to keep repeating myself??

OldNotWIse

artvanderlay wrote: »

I think if you can identify the life you actually want to live and want to have lots of time for your interests or stuff you are genuinely passionate about (that doesn't pay) then you can live fairly frugally but also have a good standard of life. I'm unemployed at the moment, but I took the time to study for a maths degree part-time to give myself options in life, I have also starting going to (and loving) the gym, and also getting big into playing music, something I always wanted to do but thought I had to work a boring, sensible job. Bollocks! I am on the look-out for a decent part-time job (2-3 days a weeks to pay the bills, which are fairly low as I am frugal at the moment) because I don't want to be on the dole. It makes me sick to go into a dole office seeing people that have never worked a day in their life. I can work so I have no excuse for taking taxpayers money now especially since I know what I want out of life. My ideal situation would be getting a few quid for the part-time job, a few quid for maybe maths grinds or something like that, and long-term I would like to be paid for playing music. I also do a few odd jobs for people (not blow jobs!). I worked since the age of 15 in crappy pubs/bars/offices etc up until a couple of years ago and the best thing I ever did was nothing - just taking time to actually think about things. I was always obsessed with the idea of "what do I want to do with my life" but realise now that "what I don't want to do with my life" is equally important...yadda yadda yadda:)

Wow...just...wow

It's also the case sometimes that we know (or hope) that certain ways of life might be transient. I'm really frugal at the moment and have cut corners to the point of walking to to work rather than getting a bus, no more lunches out etc but thats because I want to pay col fees without getting into debt. I dont want to spend my whole life scrimping...but I am more than happy to do it for a while to achieve a goal.

OldNotWIse

Legs.Eleven wrote: »

I DO know because someone already said it? And I already responded to all this so why should I repeat myself if you´re not going to bother reading posts? You still haven´t commented on the fact that I said we pay more than just PAYE?

Part-time workers DO contribute. Do I have to keep repeating myself??

Sorry I don't even know what we're talking about anymore. I thought you said that you paid a substantial amount of tax working part time, and that people who dont work dont get a state pension. Never mind.

artvanderlay

OldNotWIse wrote: »

Wow...just...wow

It's also the case sometimes that we know (or hope) that certain ways of life might be transient. I'm really frugal at the moment and have cut corners to the point of walking to to work rather than getting a bus, no more lunches out etc but thats because I want to pay col fees without getting into debt. I dont want to spend my whole life scrimping...but I am more than happy to do it for a while to achieve a goal.

I do believe that if you are doing something you really like it will pay off eventually so live through frugality and then enjoy the pay-off.

Legs.Eleven

OldNotWIse wrote: »

Sorry I don't even know what we're talking about anymore. I thought you said that you paid a substantial amount of tax working part time, and that people who dont work dont get a state pension. Never mind.

I paid a substantial amount of taxes because I was on 14 Euro per hour and I worked 24 hours a week part-time (3 sometimes 4 full days), sometimes 28. I earned more than I do now. Not saying all part-time workers earn that kind of salary but not all part-time workers work minimum wage jobs and I get the impression you´re presuming they are.

You say they don´t contribute (again it depends on their earnings) but they pay VAT like the rest of us, which is paid on every product/service we buy.

I was wrong about the state pension. I stand corrected on that. Glad to read that. The fact that a part-time wokers works at all and contributes some tax (which depends on earnings) would surely exclude it from a non-contributory state pension though? Do you know?

OldNotWIse

artvanderlay wrote: »

I do believe that if you are doing something you really like it will pay off eventually so live through frugality and then enjoy the pay-off.

Yup, should have done it sooner. I always thought my creidt card limits were goals, if there was money in my account it had to be spent. Always borrow, borrow, borrow. Got myself into major trouble. Figured, "no point saving if I can only afford 40 quid a week" - now I'm like aaargh if I'd saved 40 quid a week??!!! :mad: Anyway, never too late to start over. It's weirdly satisfying being less "consumery" and living "on the clippin's" and then having money for the bigger things