463 state houses vacant due to P contamination.

[Katman]

And I'll be sweet, Bob will let me stay in the east wing of his mansion and let me drive his Porsche.

You could shit in his swimming pool.

That's what a real homeless person would do.

[Banditbandit]

But the low paid take more out of the system...

Which just shows the stupidity of the cyclic system ...

Take money off them (taxes) give it back (welfare and other benefits) ... the only people who benefit are the bureaucrats running the fucked system - and who, therefore, have no interest in changing the system ...

Take less tax from the lower paid and you don't need to give them financial support ...

[Katman]

Take less tax from the lower paid and you don't need to give them financial support ...

You're going to be my Finance Minister.

[Banditbandit]

Fuckin bullshit, what sort of a complete fuckwit do you have to be that you cant find anywhere indoors to stay.

I would suggest that if you do not have any family, friends, etc that you could stay with, and refuse assistance from various agencies, that maybe you are your own fuckin problem, not "the systems".

And I'll be sweet, Bob will let me stay in the east wing of his mansion and let me drive his Porsche.

Bwhahahaha .. so you become a drain on your friends and family ???

But let's see ... certain sectors of our property market are signalling a crash in property values ...

At current rates there will be a lot of people owning houses with very high mortgages, and if they are new owners (not necessarily first time buyers, but say a couple of middle income earners who recently moved to Auckland for their work) could have a low level of equity in their homes.

A financial crash could put them into a negative equity situation .. the bank forecloses and they lose their home, and, because they still owe the bank money they cannot move out of Auckland and buy a new house ..

They could rent - but they are still paying off the loan to the bank because the house did not sell for what they owe the bank ... They are strugglign to pay rent - they declare bankruptcy ...

This is downward spiral that many hard working people could face in the future .. and some face now ... How much equity do you have in your homes?


Is this a choice that hard working people made? Is this a choice that may face some of you in the future?

[Banditbandit]

You're going to be my Finance Minister.

Politicians make me want to throw up - I would not be able to sit in the house with that pack of shit heads ...

[Voltaire]

At current rates there will be a lot of people owning houses with very high mortgages, and if they are new owners (not necessarily first time buyers, but say a couple of middle income earners who recently moved to Auckland for their work) could have a low level of equity in their homes.

So a typical run down old house in my area for say 1million at 5% interest 50 K a year, you'd want an extra 35 gross K ( min) a year on the salary plus you get to spend quality time in your car for an hour or two each day.

[Ocean1]

Maybe it sounds hackneyed abnd contrived because it's true ...

Nope, it sounds contrived and hackneyed because that's what it is.

Naaa .. he's just been locked up and mistreated .. if he was put into "community care" he has a loviong family who will look aftrer him .. if he didn't have that family he may well become homeless ..

Dude, you have no idea what you're talking about. In this case I do, so obviously I can't enlighten you, but I promise you if his loving family got their wish then someone would be dead within days.

[Katman]

Politicians make me want to throw up - I would not be able to sit in the house with that pack of shit heads ...

Dude, we're going to hold our meetings at the pub.

[Katman]

Dude, you have no idea what you're talking about. In this case I do, so obviously I can't enlighten you, but I promise you if his loving family got their wish then someone would be dead within days.

Wow - what a way to respect someone's confidentiality.

[Ocean1]

OK .. let me see

So, our neo-liberal Government said Government should not be in the business of housing - that is best handled by private enterprise ..

So private enterprise starts building houses - not for social good reasons, but to make money ...

Private enterprise has little incentive to "solve" Auckland's housing crisis - the law of supply and demand (I'm sure that you would not find that contrived and hackneyed) says that the higher the demand the higher the price .. (high demand under supply). To make more money private enterprise needs to keep demand high so they can ask higher prices. I.e. Private enterprise needs to keep people homeless to increase their profit margin ...

Private enterprise has no interest in low-cost housing for the lower strata of society - because that's not where the money is ...

The Government needs to be seen to be "doing something" about the housing crisis, so they are trying to force Auckland's council to free up land in the city for housing. That looks good publicly - but in reality they are freeing up land so their developer mates and supports have more land to build on. In the city is where people want to live, not an hour north up the north shore coast

So private enterprise gets inner city land to build on and make money ...

because of the housing shortage rental prices go up (under supply high demand). Those on benefits get an accommodation supplement and it is increased when rents go up .. so the landlords know that if they put the rent up, their tenants get a higher level of support

This Government is funnelling taxpayers money, (your money) meant to help vulnerable and poor people, directly into the pockets of their mates and supporters ...

Private enterprise is making profits at the expense of the taxpayers .. you and me .. just trying to earn our way but in reality sending money to the elite ..

Contrived and hackneyed you say ... I'm pleased that you are happy to ensure our wealthy elite get richer at your expense ..

Now see if you can take out all of the assumed motives and I might actually have that discussion with you.

In the meantime it's still contrived, (to suit your agenda) and hackneyed, (as in a 60"s trade union broadsheet editorial).

[Maha]

Over 700 house lay empty because minor repair/s are needed, in some cases a new stove is all it would take.
New Stove $4-500?
A week in a Motel family room $1100.

[TheDemonLord]

Which just shows the stupidity of the cyclic system ...

Take money off them (taxes) give it back (welfare and other benefits) ... the only people who benefit are the bureaucrats running the fucked system - and who, therefore, have no interest in changing the system ...

Take less tax from the lower paid and you don't need to give them financial support ...

Who said anything about Financial Support?

I'm talking about Govt provided services such as Healthcare, WINZ etc.

Services which are predominantly provided to the low income earners and generally not used by the high income earners.

Also as a side note services which are more cost effective for the individual to be provided en masse,

[Ocean1]

Fuck me - is that your definition of a citizen or a member of our community? How much money they can earn ??? Just when I think you might be better than that you [prove me wrong ..

It's the correct definition of a any person taking from anyone else more than they give anyone else. That's the function of money, dude, it measures value of any transaction.

If you want to talk about things of no monetary value then go right ahead, but it won't involve anything someone has earned and not received and it won't involve anything someone has received and hasn't earned.

[Ocean1]

yeah ???

Go here .. look at the percentages paid of income tax ... The top earners pay 16% !!! People earning between $10,000 and $40,000 pay 24%

So those earning shit loads of money pay 16% of our total tax take - those earning less than the average wage pay 24% of the total earnings tax take.


http://www.treasury.govt.nz/budget/2...xpayers/01.htm

Now, I know that the numbers of people earning below the average wage is greater than those earnings over $100,000 ... so that distorts the raw data ...

But come on ... the low paid are paying a higher percentage of taxes than the top earners ...

This is somewhat balanced by the tax level - those earning less than 40grand were taxed (remember this is 2007 figures) at 15c in the dollar up to 21 cents in the dollar The top earners (like me) are charged up to 39c in the dollar ...

And still 24% of the total PAYE tax take is paid by the lowest earners while 16% is paid y the top earners

Now - where do you fit into this Ocean ??? Are you a top earner, one of the group paying fuck all of our total PAYE taxes, or are you a low earner - supporting the rich .. remember $1.3billion of our tax dollars goes to corporate welfare? Are you happy to support those who are apparently working hard so they don't need support?

What fucking distortion? 3% pay 27% of the tax take. How can you distort that to believe they're paying less than low income earners?

And no, I'm not one of those 123 evel, greedy people paying 27% of tax, I'm just not that talented or motivated.

But I'm not one of the majority that contribute less tax than they receive in benefits either.

[nodrog:Me]

You could shit in his swimming pool.

That's what a real homeless person would do.

of course, I would just have to decided which pool.

Bwhahahaha .. so you become a drain on your friends and family ???

But let's see ... certain sectors of our property market are signalling a crash in property values ...

At current rates there will be a lot of people owning houses with very high mortgages, and if they are new owners (not necessarily first time buyers, but say a couple of middle income earners who recently moved to Auckland for their work) could have a low level of equity in their homes.

A financial crash could put them into a negative equity situation .. the bank forecloses and they lose their home, and, because they still owe the bank money they cannot move out of Auckland and buy a new house ..

They could rent - but they are still paying off the loan to the bank because the house did not sell for what they owe the bank ... They are strugglign to pay rent - they declare bankruptcy ...

This is downward spiral that many hard working people could face in the future .. and some face now ... How much equity do you have in your homes?


Is this a choice that hard working people made? Is this a choice that may face some of you in the future?

Why would a person become a drain on their friends and family if they had to stay with them? Oh, you mean if they were a useless lazy fuckwit that their friends and family didn't really like, because they were a useless lazy fuckwit?

And the housing crash scenario you mention - yes it was a choice they made. If people were fuckin stupid enough to tick up big mortgages, that require most of their income to service at 5%, without thinking about how they would service the debt if interest rates went up, and the value of their house went down, then they deserve to suffer in their own stupidity.