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Age tax over 40’s

2

Comments

  • Moderators, Education Moderators Posts: 2,659 Mod ✭✭✭✭horgan_p


    Spot the under 40s who think "sure that's ages away"


  • Closed Accounts Posts: 2,887 ✭✭✭Atoms for Peace


    Might as well just do a "Logan's run" and euthanize everyone at 30.


  • Registered Users, Registered Users 2 Posts: 72 ✭✭Vote4Napoleon


    I think when I get to 40 I'll just identify as a 39 year old forever after dat.


  • Registered Users, Registered Users 2 Posts: 769 ✭✭✭tjhook


    It's been mentioned that the over-40s are most likely to have young families to support. What's also true is that this age group is also likely to have elderly parents to support in their frail years.

    Also, let's narrow the tax base further. We already have a third of workers paying no income tax. Ideally, all income tax should be paid by one super-rich person. We just need to form a mob to identify this person...


  • Closed Accounts Posts: 22,457 ✭✭✭✭beauf


    What assets? we are stripping the elderly of assets and any means to create any.

    I can see mass emigration in years to come. It will be just too expensive to live here and have mediocre standard of living.


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  • Registered Users, Registered Users 2 Posts: 925 ✭✭✭BuboBubo


    Squeezing the squeezed middle again. We have nothing left to squeeze!

    And all the young wans on this who applaud this idea, you will be 40 soon, the years fly mark my words.

    I'd be interested to know what the Germans get in return for this extra tax. What's the health service like? Infrastructure? How much for water, bins, "road tax", VRT, do they have USC over there? What are we getting for our PRSI compared to Germany?


  • Registered Users, Registered Users 2 Posts: 13,496 ✭✭✭✭Mad_maxx


    You can't touch the entitlements of the "grey vote", but you can have a go at the "about to be grey" set because they're already taking the hits for everyone else and don't have the time or energy to protest.

    They should look at a superannuation system like Australia. Suspicious of a tax that could go to fund anything.


    The over seventies are spoiled rotten ( and had no recession) but until the younger generations cop on to this, we will continue to bend over


  • Registered Users, Registered Users 2 Posts: 769 ✭✭✭tjhook


    Mad_maxx wrote: »
    The over seventies are spoiled rotten ( and had no recession) but until the younger generations cop on to this, we will continue to bend over


    I'm far from young, but I do pity those starting out in careers now. They're paying heavily to provide entitlements to the elderly, without any hope that such entitlements will be available to themselves when they reach that age.


    We should be as generous as we can to the elderly. But it needs to be sustainable, and consider the future elderly as well as today's elderly.


  • Registered Users, Registered Users 2 Posts: 32,132 ✭✭✭✭is_that_so


    tjhook wrote: »
    I'm far from young, but I do pity those starting out in careers now. They're paying heavily to provide entitlements to the elderly, without any hope that such entitlements will be available to themselves when they reach that age.


    We should be as generous as we can to the elderly. But it needs to be sustainable, and consider the future elderly as well as today's elderly.
    They will pay something but what they should be thinking is that paying into a fund early means they will be OK.


  • Closed Accounts Posts: 4,105 ✭✭✭Kivaro


    beauf wrote: »
    What assets? we are stripping the elderly of assets and any means to create any.

    I can see mass emigration in years to come. It will be just too expensive to live here and have mediocre standard of living.

    This is one way for Varadkar, Coveney, and "Allahu Akbar" Zappone to follow through on the plan to "undermine national homogeneity" in Ireland. Make it too expensive for the workers/contributors to live and die here, but at the same time increase the mass importations from outside the EU.

    It will be interesting when the welfare bubble in this country finally bursts from the unsustainable load.


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  • Registered Users, Registered Users 2 Posts: 17,266 ✭✭✭✭whisky_galore


    Mad_maxx wrote: »
    The over seventies are spoiled rotten ( and had no recession) but until the younger generations cop on to this, we will continue to bend over

    Self-interest, pulling up the ladder and pitting generations against each other seems to be a fact of life here. A mindset that following generations never had it so good and will never grow old.


  • Closed Accounts Posts: 10,375 ✭✭✭✭kunst nugget


    eagle eye wrote: »
    Gay man who knows nothing about family leading the country and then there's this ****. Colour me not shocked.

    The report is from an advocacy group that deals with care for elderly people and has nothing to do with the government but I suppose that's not going to stop some people taking any opportunity they can to have a pop at Varadkar over his sexuality. Colour me not shocked...


  • Registered Users, Registered Users 2 Posts: 11,264 ✭✭✭✭jester77


    BuboBubo wrote: »
    Squeezing the squeezed middle again. We have nothing left to squeeze!

    And all the young wans on this who applaud this idea, you will be 40 soon, the years fly mark my words.

    I'd be interested to know what the Germans get in return for this extra tax. What's the health service like? Infrastructure? How much for water, bins, "road tax", VRT, do they have USC over there? What are we getting for our PRSI compared to Germany?

    You can find out what they get here

    Health Service is good, compared to Ireland. But everyone has to pay into it, 15% of your salary for public insurance, or a fixed amount if you go private. I pay €550 a month for private just for myself as it is cheaper than public, kids are a few hundred each extra.

    My water costs €175 a month, that covers cold and warm water piped into the house and the disposal of water. The warm water is also used for the underfloor heating so that heating of the house is covered by this.

    Bins are €25 a month, "road tax" is €160 a year, property tax is €850 a year, TV license €210 a year, they are just a few of the bills if you want to compare.


  • Registered Users, Registered Users 2 Posts: 13,496 ✭✭✭✭Mad_maxx


    Self-interest, pulling up the ladder and pitting generations against each other seems to be a fact of life here. A mindset that following generations never had it so good and will never grow old.

    I recall in 2009 when both students and pensioners marched to the Dail, evening news had a shot of a student and pensioner shaking hands

    That was the moment I knew spoiling pensioners would be supported by everyone, government have acted on this ever since


  • Registered Users, Registered Users 2 Posts: 27,565 ✭✭✭✭steddyeddy


    nlrkjos wrote: »
    What bothers me about this is the word "ringfenced", does not happen in Ireland, some gobshyte politician will pump it into a pet project coming up to elections, or it will be plundered like the "private pension fund" when the next recession is forced upon us!! and if I have to pay this, will I be subsidising some useless layabout signing the dole for years ?

    I hate financial waste as much as the next person but you're not funding the dole as much as the bank bailout in Ireland. You're thinking of the wrong class of people.


  • Moderators, Business & Finance Moderators, Society & Culture Moderators Posts: 9,760 Mod ✭✭✭✭ToxicPaddy


    Irelands big issue when it comes to tax in this country is that there is no visibility where our tax euros go.

    If there were details reports on every euro collected from income, VAT, VRT, motor tax, companies tax, prsi, usc etc and where they are being spent in detail not just broad figures, people would be more willing to give up small amounts to benefit the country and them in the long term.

    But as someone said earlier, it's one big melting pot ripe for the picking for some politicians pet project with little to no benefit to the country as a whole.

    Just look at the latest cluster fcuk by an Irish government, the national broadband plan. Whoever in their right mind ever thought that whole setup where some private firm benefits to the tune of hundreds of millions per year with pretty much zero risk while the tax payer coughs up billions to subsidise them was deluded.

    So if we could see what exactly is being spent on healthcare, education, transport, housing etc and see if we are getting value for money and the money managers in those areas being held responsible for their revenues and spending, then people may not be do against yet another tax which disappears into the black hole of the government coffers.

    I know governments cant be run like across the board like a business, as in you chop the unprofitable bits such as rural public transport etc, these are necessary and must never be sacrificed but there have to be efficiencies in some areas to be made and more transparency.

    Some obvious ones:

    Healthcare: an end to the HSE old boys club and a clean start. Proper accountability and a cleaning from top down of management. The whole scandal around the new children's hospital is a complete disgrace, people being left on trolleys for days, dead bodies decomposing because of no proper facilities, cases in the courts of medical negligence almost weekly, but no admission of guilt of course. C'mon, that's a bloody joke.

    Rents/property prices: Limits, simple as. It works in almost every country in Europe except here. No more hiking of rents because they can. Proper oversight and management of estate agents, vulture funds, banks over priced mortgages and developers building substandard developments for hyper inflated prices. Offer people long term rental agreements with proper protection in place. No more developers having politicians in their pockets. If they are exposed, they are done. Only deterrent is jail time and assets seized. No more tribunals with zero accountability yet millions being spent, you get caught with your hand in the cookie jar, you're done buddy.

    Transport/Roads: A proper transport system in place for all. Reduce the number of cars on the roads, more buses, trains, trams. Get rid of motor tax, put it on petrol and diesel. You drive more you pay more with provisions for those who work in the transport sector so as not to bankrupt them. More incentives for hybrids or electric cars. Proper cycle ways to make it safer to commute via bicycle.

    Insurance: Limit payouts. A proper database of claimants. If you're a serial false claimer, you are done. Proper jail time. Threats of 10 years plus. If you're risking going to jail for 60k, you deserve to spend time in prison.

    Employment: A proper apprenticeship scheme like they have in Switzerland. You can train to be anything from a painter to an accounting technician using an apprenticeship. If you want to go further, you can do professional exams during employment to progress in your career.

    Unemployment: no more gravy train for long term able bodied unemployed. If you want the dole, you do 20 hours a week of employment. Cleaning public facilities, gardening in parks, maintaining public areas, picking up rubbish on beaches etc. As county council staff in these areas retire, they are back filled with unemployed. The work is done, but in return for unemployment benefit. You dont turn up, your unemployment is deducted. You have mobile check in systems and proper management linked to the public services card.

    Childcare/Education: How any government thinks its suitable for couples to spend a single income on childcare each month is crazy. The alternative, dont work so less income, less spending power, less tax coming into the government. They are bleating on about how our population is getting older and less workers to provide tax to cover their costs. That's because it's too expensive to have children. If people do have children, they are having fewer and having them when older, so children are only coming into the work force when they are retiring. Education is becoming more expensive, high accommodation costs for children at college is actually forcing some to drop out of college.

    Jaysus that was some rant. Was only trying to make a point about more visibility with taxes and government spending :D

    Deep breath, now back to work to pay more taxes :(


  • Registered Users, Registered Users 2 Posts: 27,565 ✭✭✭✭steddyeddy


    ToxicPaddy wrote: »
    Irelands big issue when it comes to tax in this country is that there is no visibility where our tax euros go.

    If there were details reports on every euro collected from income, VAT, VRT, motor tax, companies tax, prsi, usc etc and where they are being spent in detail not just broad figures, people would be more willing to give up small amounts to benefit the country and them in the long term.

    But as someone said earlier, it's one big melting pot ripe for the picking for some politicians pet project with little to no benefit to the country as a whole.

    Just look at the latest cluster fcuk by an Irish government, the national broadband plan. Whoever in their right mind ever thought that whole setup where some private firm benefits to the tune of hundreds of millions per year with pretty much zero risk while the tax payer coughs up billions to subsidise them was deluded.

    So if we could see what exactly is being spent on healthcare, education, transport, housing etc and see if we are getting value for money and the money managers in those areas being held responsible for their revenues and spending, then people may not be do against yet another tax which disappears into the black hole of the government coffers.

    I know governments cant be run like across the board like a business, as in you chop the unprofitable bits such as rural public transport etc, these are necessary and must never be sacrificed but there have to be efficiencies in some areas to be made and more transparency.

    Some obvious ones:

    Healthcare: an end to the HSE old boys club and a clean start. Proper accountability and a cleaning from top down of management. The whole scandal around the new children's hospital is a complete disgrace, people being left on trolleys for days, dead bodies decomposing because of no proper facilities, cases in the courts of medical negligence almost weekly, but no admission of guilt of course. C'mon, that's a bloody joke.

    Rents/property prices: Limits, simple as. It works in almost every country in Europe except here. No more hiking of rents because they can. Proper oversight and management of estate agents, vulture funds, banks over priced mortgages and developers building substandard developments for hyper inflated prices. Offer people long term rental agreements with proper protection in place. No more developers having politicians in their pockets. If they are exposed, they are done. Only deterrent is jail time and assets seized. No more tribunals with zero accountability yet millions being spent, you get caught with your hand in the cookie jar, you're done buddy.

    Transport/Roads: A proper transport system in place for all. Reduce the number of cars on the roads, more buses, trains, trams. Get rid of motor tax, put it on petrol and diesel. You drive more you pay more with provisions for those who work in the transport sector so as not to bankrupt them. More incentives for hybrids or electric cars. Proper cycle ways to make it safer to commute via bicycle.

    Insurance: Limit payouts. A proper database of claimants. If you're a serial false claimer, you are done. Proper jail time. Threats of 10 years plus. If you're risking going to jail for 60k, you deserve to spend time in prison.

    Employment: A proper apprenticeship scheme like they have in Switzerland. You can train to be anything from a painter to an accounting technician using an apprenticeship. If you want to go further, you can do professional exams during employment to progress in your career.

    Unemployment: no more gravy train for long term able bodied unemployed. If you want the dole, you do 20 hours a week of employment. Cleaning public facilities, gardening in parks, maintaining public areas, picking up rubbish on beaches etc. As county council staff in these areas retire, they are back filled with unemployed. The work is done, but in return for unemployment benefit. You dont turn up, your unemployment is deducted. You have mobile check in systems and proper management linked to the public services card.

    Childcare/Education: How any government thinks its suitable for couples to spend a single income on childcare each month is crazy. The alternative, dont work so less income, less spending power, less tax coming into the government. They are bleating on about how our population is getting older and less workers to provide tax to cover their costs. That's because it's too expensive to have children. If people do have children, they are having fewer and having them when older, so children are only coming into the work force when they are retiring. Education is becoming more expensive, high accommodation costs for children at college is actually forcing some to drop out of college.

    Jaysus that was some rant. Was only trying to make a point about more visibility with taxes and government spending :D

    Deep breath, now back to work to pay more taxes :(

    I agree with everything you said. In particular in relation to the health service being an old boy's club. I remember when the HSE was hiring temporary workers and all four of the positions available went to sons and daughters of HSE managers. Honest hard working people are funding these clubs. It has to stop.


  • Closed Accounts Posts: 10,375 ✭✭✭✭kunst nugget


    ToxicPaddy wrote: »
    Employment: A proper apprenticeship scheme like they have in Switzerland. You can train to be anything from a painter to an accounting technician using an apprenticeship. If you want to go further, you can do professional exams during employment to progress in your career.(

    Just on this point, this is already happening...

    http://www.apprenticeship.ie/en/apprentice/Pages/ApprenticeInfo.aspx

    http://www.apprenticeship.ie/en/news/Pages/List%20of%20Apprenticeships%20in%20Ireland%20-%20Generation%20Apprenticeship%202nd%20May.pdf


  • Posts: 3,270 ✭✭✭ [Deleted User]


    CosmicFool wrote: »
    Because straight men know everything about Family. :rolleyes:


    well he clearly doesn't give a toss about women after going back on his word and dragging them through court after the cervical smear debacle, so yes maybe amongst other things he knows less about family than he could or would care to know. he's too busy creating pro gov facebook accounts and lying about hospital, broadband and metro prices the posh scab!


  • Registered Users, Registered Users 2, Paid Member Posts: 20,091 ✭✭✭✭_Brian


    That’s just a shock story by an unheard of group to try get some attention.

    In Ireland we work a community rating policy to avoid specific groups being targeted with unbalanced charges.

    Taxing people because of their age would never happen, never.

    It’s just attention seeking to suggest stupid stuff like this.


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  • Registered Users, Registered Users 2 Posts: 5,942 ✭✭✭topper75


    Your Face wrote: »
    They have chosen their targets well with regards to potential opposition.
    Nobody is going to launch a Twitter campaign for the unfashionable over-40yr old worker.

    Votes that matter aren't done on Twitter or any other website that media like to bleat over (did they all buy shares in that stupid thing or something?).

    This proposal is nothing short of a government suicide button. It will go precisely nowhere.


  • Registered Users, Registered Users 2 Posts: 11,810 ✭✭✭✭sbsquarepants



    I don't think they should have it for married people.

    Against it in general but definitely not for families.

    Do you think only married people have families or something?


  • Closed Accounts Posts: 3,482 ✭✭✭Gimme A Pound


    Every time something is just suggested - even if by people without any power - people lose their sh1t as if it has already been set in stone/implemented.


  • Registered Users, Registered Users 2 Posts: 33,782 ✭✭✭✭RobertKK


    beauf wrote: »
    What assets? we are stripping the elderly of assets and any means to create any.

    I can see mass emigration in years to come. It will be just too expensive to live here and have mediocre standard of living.

    Ireland is listed as being in the top 10 most expensive countries to live in on this planet.

    The government talk about making Ireland the best country in the world to grow old in, but people will emigrate as they will get far more for their money elsewhere.


  • Posts: 5,094 ✭✭✭ [Deleted User]


    Ara sure it's just another tax. We bailed out the banks and many other glorious rightwing capitalist enterprises, are about to give a multibillion euro handover of a state resource to a private broadband corporation, and compensate for the billions which the "self-employed" evade in tax each year, the PAYE workers of Ireland can take this!


  • Registered Users, Registered Users 2 Posts: 1,142 ✭✭✭thomas anderson.


    Lol

    The Bank told me to stop paying into my pension so I could afford a higher mortgage....

    You couldnt make it up


  • Registered Users, Registered Users 2 Posts: 6,869 ✭✭✭touts


    Yet another tax on those of us stupid enough to work.

    I'm in my 40s and I have planned my pension on the high likelihood that I won't have access to any pension and possibly health care from the state.

    Pension: Between now and when I retire there will be at least one more recession where the middle and working classes will be hit to protect the upper and welfare classes. I expect the age from which you can get the state pension will be 75 and even then will be means-tested which will be set so low that if you have any sort of a private pension you won't get the state one. The recent abolishing of mandatory retirement ages was the first step towards that.

    Health care: Again I expect access to the public health system will be means tested and as older people will be "encouraged" (i.e. forced via the tax system) to sell their homes to downsize and free up houses for more deserving welfare class families on the housing list. That will mean lots of people will have a lump sum from the sale of their homes that will disqualify them from access to the public health system. If they don't want to downsize they will probably be means-tested on their assets and lose access to the public health system either way.

    So the choice for someone in their 40s is either start to save now for a retirement with no help from the state or just give up and join the welfare class and get everything for free. I'm borderline at the moment but if they hit me with another tax to pay for the care of the elderly then I'll have no choice but to throw in the towel and join the welfare class.


  • Closed Accounts Posts: 1,203 ✭✭✭98q76e12hrflnk


    Every time something is just suggested - even if by people without any power - people lose their sh1t as if it has already been set in stone/implemented.

    Ah ya so people should protest after its implemented would be far easier :rolleyes:


  • Closed Accounts Posts: 3,482 ✭✭✭Gimme A Pound


    touts wrote: »
    Yet another tax.
    No it isn't. It doesn't exist.
    declan2693 wrote: »
    Ah ya so people should protest after its implemented would be far easier :rolleyes:
    It was literally just a suggestion - not a proposal. And not even by the government. Long road between that and implementation. Folk love being outraged though.

    Like the thread about the porn pass - "why not just ban the word "sex" altogether?!" and similar inane sh1t.


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  • Registered Users, Registered Users 2 Posts: 4,707 ✭✭✭Bobblehats


    It’s all very taxing. How I long to stay where the street food is fine and the people are simply happy but I must return again to the big choke.

    Will have to consider living off the grid. Maybe a rural retreat? Big fûcking shotgun; get off my land type of vibe


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