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Wales
by Joske Vermeule, September 1
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A short time ago, I posted this: It's been an interesting week, my dad is failing quite rapidly after a bout of pneumonia two months ago, and visiting him in the care home is challenging. In parallel with this, the news channels and papers are trailing the upcoming debate in "the other place" (House of Lords) on assisted dying later this week. In many ways, especially at the moment, I can see the pros for assisted dying legislation, as has been said many times we wouldn't allow our pets and animals to suffer like this. However, like many others, I'm worried that any such legislation could be abused in the future, and not just by individuals with, for example, misplaced financial motives. I took early retirement in 2005, secure in the knowledge that pension arrangements had remained the same for >40 years, and post Murduch, had been protected in law by the government of the day. Since then there have been more changes to private and state pension arrangements by the government of the day than in my lifetime previously, private pensions schemes have been decimated, and the state pension age is drifting inexorably into the distant future... a demographic time bomb set ticking in the space of a little over one parliamentary term. So, "Where is all this going?" I here you ask. Well, as a result of privatising bank profits whilst nationalising bank losses in order to protect shareholder values and bankers bonuses, we now have an underfunded NHS creaking at the seems, apparently overloaded by obese, alcohol swigging baby boomers who've caused global warming by driving their polluting cars and living a life of excess on their unaffordable gold plated pensions, sitting secure in their appreciating house assets. These same baby boomers are now a serious threat to the NHS as, due to their excesses, they will all soon be in need of unaffordable dementia care. So, what solutions could a future government comprised of twenty or thirty somethings who've been through school, university, then straight into politics as advisers and onto a life as career politicians, MPs and Ministers come up with? Compulsory euthanasia? Lets look at the cost benefit analysis... Compulsory euthanasia introduced from 2015 set at 100 (no real problem, not many affected) with a sliding scale to 85 by 2050 (gives us plenty if time to get used to it and prepare), the pension age gradually ramped up to 85 by 2050 (total elimination of the state pensions bill in one generation), further reductions in the euthanasia age limit step by step to be determined by NHS dementia care costs. Imagine what this could do for the NHS... With no age related drain, then Botox, facelifts, tummy tucks, breast augmentation, teeth whitening, gastric bands, etc., etc. could all be provided to allow younger people (the country's future!) to keep up with their celebrity lifestyle aspirations, free at the point of issue... A result All very tongue in cheek... but would you back your life savings and pension against it? At the time I asked if you'd bet your pension against it? Well, in this mornings Telegraph you can find the two articles below: http://www.telegraph.co.uk/health/111685...osecutions.htmlhttp://www.telegraph.co.uk/finance/perso...think-tank.htmlCoincidence... a slippery slope... or worse?
Philip.
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Joined: Mar 2009
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Anyone who believes that a 40 year old putting 3T a year into a private pension plan is going to receive enough to live on is living in cloud cuckoo land. Kind of reinforces my view of think tanks. Presumably they have all lived under the protection of government salaries and pensions and never actually looked at the size of pot necessary for private arrangements. Nick
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A few thoughts went through my mind after scanning both articles.
There are some odd people in this world getting too much 'Air Time'
There are lots of pheasants running around the fields near us having been bred so that they may be shot if they are unlucky enough to be in the wrong neck of the woods.
Could be a useful way of keeping down the numbers of these idiots bred for spreading this negative guff.
Those of us postwar types who grew up on subsistence with little or no money for beer & fags et al, like many who still have nothing, have no fear of a massive reduction in life style, should it ever be forced on us, and we also remember those basic survival skills.
Thats my rant for today.
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Joined: Apr 2008
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Scruffy Oik Member of the Inner Circle
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Scruffy Oik Member of the Inner Circle
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I am completely in favour of legalising assisted suicide, I think it's one of the most fundamental human rights to be able to decide when and how your own life should end.
The issue of financial skulduggery is easily circumvented - for those people who elect for assisted suicide, then simply slap 100% death duties on their estate. If you're not mentally capable of making appropriate arrangements before your suicide, then you're not capable of making a rational decision about ending your life.
Tim H. 1986 4/4 VVTi Sport, 2002 LR Defender, 2022 Mini Cooper SE
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Talk Morgan Sage
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Talk Morgan Sage
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Totally agree with your first paragraph. Totally disagree with your second paragraph.
Best Regards Lang may yer lum reek
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Joined: Apr 2008
Posts: 12,265 Likes: 321
Scruffy Oik Member of the Inner Circle
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Scruffy Oik Member of the Inner Circle
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Posts: 12,265 Likes: 321 |
Totally agree with your first paragraph. Totally disagree with your second paragraph. Not sure why? Surely it makes sense if you want to end your life, to make appropriate gifts of whatever you want to before you die, rather than leaving to be sorted out by executors of your will? That way there would be nothing to be gained from a wicked grandson or whoever from persuading a doctor to knock off great Aunt Nellie in order to get his hands on her estate?
Tim H. 1986 4/4 VVTi Sport, 2002 LR Defender, 2022 Mini Cooper SE
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Joined: Aug 2011
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Talk Morgan Guru
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Talk Morgan Guru
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Totally agree with your first paragraph. Totally disagree with your second paragraph. +1 Sometimes illness strikes really quickly and when you are really ill: money will be the last thing you worry about. Life consists of dealing with pain, coming to terms with what has happened, getting used to hospital and praying that one day you will feel "normal" again.
Last edited by Budster; 17/10/14 04:05 PM.
Bud 4/4 "Stanley"
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Charter Member
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Hmm. The NHS which budgets around £8k per family per year ( compare that with average family income and taxes) is not so much underfunded as inefficient with low productivity. That was the conclusion of the audit commission who pointed out that the large majority of the extra money put in during NuLabour had gone on higher salaries for NMS staff whilst produvtivity had fallen.
Anyway, leaving that one aside, I did the first bit of a maths degree at the OU a couple of years ago - something to try and keep the brain working. We did some mathematical model;ing including one of the UK population demographic. Things like retirement age, age of entry into the work force, age at death etc. And it showed quite clearly what common sense would have suggested, that moving from a total life of 70 years and a working life of 50 years in the 50s to a total life approaching 90 years and a working life of 40 years now doesnt work without an expanding working population ie immigration. In the final analysis and on average, what you produce in your working life has got to support you for the whole of your life. We used to work for 50 years to support us for 70 years, now we work 40 years to support us for 90 years.
The figures are made even worse right now because UK productivity ( the gdp per hour worked) is actually falling. So we are making less when we are working than we did last year.
Euthenasia would help but you know that its never going to happen. As for saving 3k pa in a private pension, you have to be joking. We have no alternative but to increase the workforce by immigration or to work far longer with a stable work force.
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Joined: Apr 2008
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Scruffy Oik Member of the Inner Circle
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Scruffy Oik Member of the Inner Circle
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I can't help thinking tat increasing the workforce with immigration is just going to lead to a Ponzi Scheme?
If we used to work for 50 years and then get a pension for 10 years, then one way to address it would be to set the pensionable age at life expectancy - 10 and retirement age at a minimum of 60? So you could choose to retire at 60, but you'd have to fund your own life until say 70?
Tim H. 1986 4/4 VVTi Sport, 2002 LR Defender, 2022 Mini Cooper SE
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Joined: Apr 2011
Posts: 8,646
Needs to Get Out More!
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Needs to Get Out More!
Joined: Apr 2011
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And it showed quite clearly what common sense would have suggested, that moving from a total life of 70 years and a working life of 50 years in the 50s to a total life approaching 90 years and a working life of 40 years now doesnt work without an expanding working population ie immigration. In the final analysis and on average, what you produce in your working life has got to support you for the whole of your life. We used to work for 50 years to support us for 70 years, now we work 40 years to support us for 90 years. You(ve hit the nail on the head there Howard - the arithmetic is undeniable. It is one of the truths that the likes of UKIP always choose to ignore. The UK birthrate is below 2 kids per couple, so to maintain the contributions necessary to support an ageing population who start work later, immigration is indispensable. Likewise, for example, the NHS couldn't function without doctors and nurses from overseas.
Giles. Mogless in Paris.
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