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Everything squandered, now a rainy day. (Read 8915 times)
sir prince duke alevine
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Re: Everything squandered, now a rainy day.
Reply #75 - Feb 7th, 2011 at 3:43pm
 
Andrei.Hicks wrote on Feb 7th, 2011 at 3:40pm:
The working class choosing an income 6 times has nothing to do with the Government but rather personal responsibility.

Look at any successful Government where the people prospered - take Britain under Mrs Thatcher for example - she believed it was necessary to have people accept responsibility and for people to look after themselves - not to rely on Governments.

A Government's job is to get out of the way.

A lot of the time half of things people on here talk about is tantamount to socialism - and nobody wants a return to the failure of those days.


Hey I agree; that's why your subsidy idea is complete wonk because all it will inevitably do is drive the cost of electricity upwards and become obsolete. 

As for 6times their income, no it's thanks to the introduction of unfavourable negative gearing and capital gains policies, along with the state governments not releasing new land and the commonwealth not releasing their land. But the issue would not be the same if it weren't for the unfavourable negative gearing and capital gians policies introduced by the retarded Howard government.

In any case, you are constantly contradicting your view. ON one hand you believe in small government.  On another hand, you are advocating for subsidies to be handed out by a government to all, which straight away will effect the private market.

You are a complete num nut.  Go back to your rock for the day and come back tomorrow to sprout that you're a family man who is "working class" blah blah blah blah blah no one actually cares.
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Disclaimer for Mothra per POST so it is forever acknowledged: Saying 'Islam' or 'Muslims' doesn't mean ALL muslims. This does not target individual muslims who's opinion I am not aware of.
 
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sir prince duke alevine
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Re: Everything squandered, now a rainy day.
Reply #76 - Feb 7th, 2011 at 3:44pm
 
mellie wrote on Feb 7th, 2011 at 3:42pm:
sir prince duke alevine wrote on Feb 7th, 2011 at 3:37pm:
mellie wrote on Feb 7th, 2011 at 3:29pm:
Or perhaps all those consultants Gillard continues employing at the tax-payers expense to run her government are responsible for the budget blow-out, because she's not really the sharpest tool in the shed now is she,.. wanted to wear the pants, but really needs to employ others to do the leg-work for her.

If she was capable, would she be outsourcing others to make her decisions for her?  My god, this unco git cant even speak or walk properly, ...moeeeving foooeewwweeed, cant even keep a promise.


Has Obama offered Gillard any Aid, the way Bush did Howard after cyclone Larry?  Howard said no thanks, we can take care of ourselves, and he did so with a sense of duty and pride.

Gillard is using the floods and cyclone as an excuse all to restore what she herself squandered like a spoilt child in a lolly shop.

There's been far too much consultancy with this government without anything to show for it.

What became of the Climate panel? Moving backwards on that to it seems.  

All this money squandered, waisted, with nothing to show for it.

Now we have to foot the bill.


Howard managed without bleeding the working class, why cant she?



You are seriously the BIGGEST dipshit in this entire forum.

Do you SERIOUSLY think the 1.8billion is a cash grab to replace what has been spent??????????  Now, I know you probably don't quite understand the maths...but try and work out if through maths what you are saying makes any sense at all.

As for Howard, the fact that the working class now has a mortgage that is 6 times their income, not 3, shows just how much he did.


Arrogant half-bake.

Cool



I see you did the maths.

Well done, nutter.
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Disclaimer for Mothra per POST so it is forever acknowledged: Saying 'Islam' or 'Muslims' doesn't mean ALL muslims. This does not target individual muslims who's opinion I am not aware of.
 
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Andrei.Hicks
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Re: Everything squandered, now a rainy day.
Reply #77 - Feb 7th, 2011 at 3:48pm
 
sir prince duke alevine wrote on Feb 7th, 2011 at 3:43pm:
Andrei.Hicks wrote on Feb 7th, 2011 at 3:40pm:
The working class choosing an income 6 times has nothing to do with the Government but rather personal responsibility.

Look at any successful Government where the people prospered - take Britain under Mrs Thatcher for example - she believed it was necessary to have people accept responsibility and for people to look after themselves - not to rely on Governments.

A Government's job is to get out of the way.

A lot of the time half of things people on here talk about is tantamount to socialism - and nobody wants a return to the failure of those days.


Hey I agree; that's why your subsidy idea is complete wonk because all it will inevitably do is drive the cost of electricity upwards and become obsolete.  

As for 6times their income, no it's thanks to the introduction of unfavourable negative gearing and capital gains policies, along with the state governments not releasing new land and the commonwealth not releasing their land. But the issue would not be the same if it weren't for the unfavourable negative gearing and capital gians policies introduced by the retarded Howard government.

In any case, you are constantly contradicting your view. ON one hand you believe in small government.  On another hand, you are advocating for subsidies to be handed out by a government to all, which straight away will effect the private market.

You are a complete num nut.  Go back to your rock for the day and come back tomorrow to sprout that you're a family man who is "working class" blah blah blah blah blah no one actually cares.



Absolute bollocks.
You can believe in smaller Government and have targetted subsidies!

Mrs Thatcher did exactly that and nobody was a more firm believer in smaller Government than her!

Small Government relates to the Government getting out of areas in which it adds little value.
Transport, schools, healthcare - all areas where the private sector would be better placed to run.
Governments role should be to remove red-tape, help businesses, put in place policies which bring about stable, efficient movement of resources and capital.

Subsidies to help everyday working people as they face cost of living pressure is such a tool.
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Anyone who lives within their means suffers from a lack of imagination - Oscar Wilde
 
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Dsmithy70
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Re: Everything squandered, now a rainy day.
Reply #78 - Feb 7th, 2011 at 3:48pm
 
sir prince duke alevine wrote on Feb 7th, 2011 at 2:46pm:
skippy. wrote on Feb 7th, 2011 at 2:41pm:
sir prince duke alevine wrote on Feb 7th, 2011 at 2:37pm:
skippy. wrote on Feb 7th, 2011 at 2:33pm:
Quote:
I can hear the roar of excitement now,  the day Abbott comes in

LOL, there's always at least one idiot who never gets it.
Abbott is about to get dumped as Lib leader, will you be supporting Turnbull, or Hockey? when Abbott is rolled.


I just hope it isn't Robb; just another disaster in the waiting.

I think there will be 4 candidates stand
Turnbull
Hockey
Robb
Abbott
I think having so many  stand will work in either Hockey or Turnbulls favour, one thing I'll put money on now, is that Abbott will run 4th.


I don't think Turnball will get a chance this time around.  I think he might resurge in a few years time.

But it's quite clear Robb is making a move, either for Bishop or for Abbott!

Speaking of Bishop, is the drone still alive?


I hope Turnbull smart enough to keep his head down this time.
Let the Howard boot lickers fight it out, they haven't got an original thought between them let alone a policy.
Let them bumble along they'll be shown for what they are USELESS.
Then about 18months before the poll Turnbull can take over & hammer not only the incompetants in his own party but this joke of a government.
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REBELLION is not what most people think it is.
REBELLION is when you turn off the TV & start educating & thinking for yourself.
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mellie
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Re: Everything squandered, now a rainy day.
Reply #79 - Feb 7th, 2011 at 3:48pm
 
Howard managed natural disasters, this and didn't have to resort to stealing school kids tuck-shop money, this and didn't have to resort to periodic blood-letting of the middle class either.

Australians felt  far more secure under a Howard government.

So don't give me your bullsh1t...


Gillard is  an incompetent commy- fascist git who should be sacked.

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Andrei.Hicks
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Re: Everything squandered, now a rainy day.
Reply #80 - Feb 7th, 2011 at 3:49pm
 
And you know what?

Being a working class family man is important.

It means we can relate to the difficulties that people face?

Take Julia Gillard, Bob Brown or even Buzz on here.

All chose lifestyles that mean they cannot possibly relate to what its like to be part of an ordinary, Australian family running a budget.
Hence, they may listen and try to understand but in reality - they have no idea.

Often that shows.
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Anyone who lives within their means suffers from a lack of imagination - Oscar Wilde
 
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sir prince duke alevine
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Re: Everything squandered, now a rainy day.
Reply #81 - Feb 7th, 2011 at 3:52pm
 
Andrei.Hicks wrote on Feb 7th, 2011 at 3:48pm:
sir prince duke alevine wrote on Feb 7th, 2011 at 3:43pm:
Andrei.Hicks wrote on Feb 7th, 2011 at 3:40pm:
The working class choosing an income 6 times has nothing to do with the Government but rather personal responsibility.

Look at any successful Government where the people prospered - take Britain under Mrs Thatcher for example - she believed it was necessary to have people accept responsibility and for people to look after themselves - not to rely on Governments.

A Government's job is to get out of the way.

A lot of the time half of things people on here talk about is tantamount to socialism - and nobody wants a return to the failure of those days.


Hey I agree; that's why your subsidy idea is complete wonk because all it will inevitably do is drive the cost of electricity upwards and become obsolete.  

As for 6times their income, no it's thanks to the introduction of unfavourable negative gearing and capital gains policies, along with the state governments not releasing new land and the commonwealth not releasing their land. But the issue would not be the same if it weren't for the unfavourable negative gearing and capital gians policies introduced by the retarded Howard government.

In any case, you are constantly contradicting your view. ON one hand you believe in small government.  On another hand, you are advocating for subsidies to be handed out by a government to all, which straight away will effect the private market.

You are a complete num nut.  Go back to your rock for the day and come back tomorrow to sprout that you're a family man who is "working class" blah blah blah blah blah no one actually cares.



Absolute bollocks.
You can believe in smaller Government and have targetted subsidies!

Mrs Thatcher did exactly that and nobody was a more firm believer in smaller Government than her!

Small Government relates to the Government getting out of areas in which it adds little value.
Transport, schools, healthcare - all areas where the private sector would be better placed to run.
Governments role should be to remove red-tape, help businesses, put in place policies which bring about stable, efficient movement of resources and capital.

Subsidies to help everyday working people as they face cost of living pressure is such a tool.


And yet you once again avoid to explain exactly how it will AVOID continued increases in the energy costs above inflation. Why can't you answer this, mr. subsidised bacon? 

Smaller governments should not interfere in private markets through direct subsidies to all individuals.  Doing so is nothing more than trying to curl up to the voter and spoon them.
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Disclaimer for Mothra per POST so it is forever acknowledged: Saying 'Islam' or 'Muslims' doesn't mean ALL muslims. This does not target individual muslims who's opinion I am not aware of.
 
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Dsmithy70
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Re: Everything squandered, now a rainy day.
Reply #82 - Feb 7th, 2011 at 3:54pm
 
Dsmithy70 wrote on Feb 7th, 2011 at 3:48pm:
sir prince duke alevine wrote on Feb 7th, 2011 at 2:46pm:
skippy. wrote on Feb 7th, 2011 at 2:41pm:
sir prince duke alevine wrote on Feb 7th, 2011 at 2:37pm:
skippy. wrote on Feb 7th, 2011 at 2:33pm:
Quote:
I can hear the roar of excitement now,  the day Abbott comes in

LOL, there's always at least one idiot who never gets it.
Abbott is about to get dumped as Lib leader, will you be supporting Turnbull, or Hockey? when Abbott is rolled.


I just hope it isn't Robb; just another disaster in the waiting.

I think there will be 4 candidates stand
Turnbull
Hockey
Robb
Abbott
I think having so many  stand will work in either Hockey or Turnbulls favour, one thing I'll put money on now, is that Abbott will run 4th.


I don't think Turnball will get a chance this time around.  I think he might resurge in a few years time.

But it's quite clear Robb is making a move, either for Bishop or for Abbott!

Speaking of Bishop, is the drone still alive?


I hope Turnbull smart enough to keep his head down this time.
Let the Howard boot lickers fight it out, they haven't got an original thought between them let alone a policy.
Let them bumble along they'll be shown for what they are USELESS.
Then about 18months before the poll Turnbull can take over & hammer not only the incompetants in his own party but this joke of a government.

Oh hang on that would require a smart government.
Sorry false alarm, nothing to see here, move along Sad
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REBELLION is not what most people think it is.
REBELLION is when you turn off the TV & start educating & thinking for yourself.
Gavin Nascimento
 
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sir prince duke alevine
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Re: Everything squandered, now a rainy day.
Reply #83 - Feb 7th, 2011 at 3:54pm
 
mellie wrote on Feb 7th, 2011 at 3:48pm:
Howard managed natural disasters, this and didn't have to resort to stealing school kids tuck-shop money, this and didn't have to resort to periodic blood-letting of the middle class either.

Australians felt  far more secure under a Howard government.

So don't give me your bullsh1t...


Gillard is  an incompetent commy- fascist git who should be sacked.



Which Australians? Australians who say "this" a lot? Grin Grin Grin

Please, substantiate when you mention ALL Australians. Where did you mis-read that from? Grin Grin Grin

Like I said, if you need $50, I'll donate it to ya.  just promise me it'll go towards a slab of beer for yourself.
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Disclaimer for Mothra per POST so it is forever acknowledged: Saying 'Islam' or 'Muslims' doesn't mean ALL muslims. This does not target individual muslims who's opinion I am not aware of.
 
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Andrei.Hicks
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Re: Everything squandered, now a rainy day.
Reply #84 - Feb 7th, 2011 at 3:55pm
 
sir prince duke alevine wrote on Feb 7th, 2011 at 3:52pm:
Andrei.Hicks wrote on Feb 7th, 2011 at 3:48pm:
sir prince duke alevine wrote on Feb 7th, 2011 at 3:43pm:
Andrei.Hicks wrote on Feb 7th, 2011 at 3:40pm:
The working class choosing an income 6 times has nothing to do with the Government but rather personal responsibility.

Look at any successful Government where the people prospered - take Britain under Mrs Thatcher for example - she believed it was necessary to have people accept responsibility and for people to look after themselves - not to rely on Governments.

A Government's job is to get out of the way.

A lot of the time half of things people on here talk about is tantamount to socialism - and nobody wants a return to the failure of those days.


Hey I agree; that's why your subsidy idea is complete wonk because all it will inevitably do is drive the cost of electricity upwards and become obsolete.  

As for 6times their income, no it's thanks to the introduction of unfavourable negative gearing and capital gains policies, along with the state governments not releasing new land and the commonwealth not releasing their land. But the issue would not be the same if it weren't for the unfavourable negative gearing and capital gians policies introduced by the retarded Howard government.

In any case, you are constantly contradicting your view. ON one hand you believe in small government.  On another hand, you are advocating for subsidies to be handed out by a government to all, which straight away will effect the private market.

You are a complete num nut.  Go back to your rock for the day and come back tomorrow to sprout that you're a family man who is "working class" blah blah blah blah blah no one actually cares.



Absolute bollocks.
You can believe in smaller Government and have targetted subsidies!

Mrs Thatcher did exactly that and nobody was a more firm believer in smaller Government than her!

Small Government relates to the Government getting out of areas in which it adds little value.
Transport, schools, healthcare - all areas where the private sector would be better placed to run.
Governments role should be to remove red-tape, help businesses, put in place policies which bring about stable, efficient movement of resources and capital.

Subsidies to help everyday working people as they face cost of living pressure is such a tool.


And yet you once again avoid to explain exactly how it will AVOID continued increases in the energy costs above inflation. Why can't you answer this, mr. subsidised bacon?  

Smaller governments should not interfere in private markets through direct subsidies to all individuals.  Doing so is nothing more than trying to curl up to the voter and spoon them.



Because industry regulators would ensure there is not excessive price increases.
Plus also there would be a removal of barriers of entry on competition with an opening up to foreigh owned suppliers to create price competition to benefit the consumer.

Plus also you realize an increase in GST and reduction in direct income tax makes it a more fair system because you spread the tax load.
Everyone pays GST, it is known as the 'fair tax'.
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Anyone who lives within their means suffers from a lack of imagination - Oscar Wilde
 
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sir prince duke alevine
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Re: Everything squandered, now a rainy day.
Reply #85 - Feb 7th, 2011 at 3:57pm
 
Andrei.Hicks wrote on Feb 7th, 2011 at 3:49pm:
And you know what?

Being a working class family man is important.

It means we can relate to the difficulties that people face?

Take Julia Gillard, Bob Brown or even Buzz on here.

All chose lifestyles that mean they cannot possibly relate to what its like to be part of an ordinary, Australian family running a budget.
Hence, they may listen and try to understand but in reality - they have no idea.

Often that shows.



Answer about the subsidy. Stop trying to sell yourself as "working class" in each thread you ever post in.  No one here listens to it, and if anything we just laugh.  I've even started a drinking game where we basically drink each tiem "working class" comes out of your mouth.  We got heavily drunk Friday night because of it.
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sir prince duke alevine
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Re: Everything squandered, now a rainy day.
Reply #86 - Feb 7th, 2011 at 3:58pm
 
Andrei.Hicks wrote on Feb 7th, 2011 at 3:55pm:
sir prince duke alevine wrote on Feb 7th, 2011 at 3:52pm:
Andrei.Hicks wrote on Feb 7th, 2011 at 3:48pm:
sir prince duke alevine wrote on Feb 7th, 2011 at 3:43pm:
Andrei.Hicks wrote on Feb 7th, 2011 at 3:40pm:
The working class choosing an income 6 times has nothing to do with the Government but rather personal responsibility.

Look at any successful Government where the people prospered - take Britain under Mrs Thatcher for example - she believed it was necessary to have people accept responsibility and for people to look after themselves - not to rely on Governments.

A Government's job is to get out of the way.

A lot of the time half of things people on here talk about is tantamount to socialism - and nobody wants a return to the failure of those days.


Hey I agree; that's why your subsidy idea is complete wonk because all it will inevitably do is drive the cost of electricity upwards and become obsolete.  

As for 6times their income, no it's thanks to the introduction of unfavourable negative gearing and capital gains policies, along with the state governments not releasing new land and the commonwealth not releasing their land. But the issue would not be the same if it weren't for the unfavourable negative gearing and capital gians policies introduced by the retarded Howard government.

In any case, you are constantly contradicting your view. ON one hand you believe in small government.  On another hand, you are advocating for subsidies to be handed out by a government to all, which straight away will effect the private market.

You are a complete num nut.  Go back to your rock for the day and come back tomorrow to sprout that you're a family man who is "working class" blah blah blah blah blah no one actually cares.



Absolute bollocks.
You can believe in smaller Government and have targetted subsidies!

Mrs Thatcher did exactly that and nobody was a more firm believer in smaller Government than her!

Small Government relates to the Government getting out of areas in which it adds little value.
Transport, schools, healthcare - all areas where the private sector would be better placed to run.
Governments role should be to remove red-tape, help businesses, put in place policies which bring about stable, efficient movement of resources and capital.

Subsidies to help everyday working people as they face cost of living pressure is such a tool.


And yet you once again avoid to explain exactly how it will AVOID continued increases in the energy costs above inflation. Why can't you answer this, mr. subsidised bacon?  

Smaller governments should not interfere in private markets through direct subsidies to all individuals.  Doing so is nothing more than trying to curl up to the voter and spoon them.



Because industry regulators would ensure there is not excessive price increases.
Plus also there would be a removal of barriers of entry on competition with an opening up to foreigh owned suppliers to create price competition to benefit the consumer.

Plus also you realize an increase in GST and reduction in direct income tax makes it a more fair system because you spread the tax load.
Everyone pays GST, it is known as the 'fair tax'.


Including the "working class" family which inevitably will pay more.

Industry regulators - been there, heard that.  Will we start a commission that will determine nothing, will we?

How will the subsidy remove barriers to entry into prive market? My god! Num nut!

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Disclaimer for Mothra per POST so it is forever acknowledged: Saying 'Islam' or 'Muslims' doesn't mean ALL muslims. This does not target individual muslims who's opinion I am not aware of.
 
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sir prince duke alevine
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Re: Everything squandered, now a rainy day.
Reply #87 - Feb 7th, 2011 at 4:03pm
 
Andrei.Hicks wrote on Feb 7th, 2011 at 3:55pm:
sir prince duke alevine wrote on Feb 7th, 2011 at 3:52pm:
Andrei.Hicks wrote on Feb 7th, 2011 at 3:48pm:
sir prince duke alevine wrote on Feb 7th, 2011 at 3:43pm:
Andrei.Hicks wrote on Feb 7th, 2011 at 3:40pm:
The working class choosing an income 6 times has nothing to do with the Government but rather personal responsibility.

Look at any successful Government where the people prospered - take Britain under Mrs Thatcher for example - she believed it was necessary to have people accept responsibility and for people to look after themselves - not to rely on Governments.

A Government's job is to get out of the way.

A lot of the time half of things people on here talk about is tantamount to socialism - and nobody wants a return to the failure of those days.


Hey I agree; that's why your subsidy idea is complete wonk because all it will inevitably do is drive the cost of electricity upwards and become obsolete.  

As for 6times their income, no it's thanks to the introduction of unfavourable negative gearing and capital gains policies, along with the state governments not releasing new land and the commonwealth not releasing their land. But the issue would not be the same if it weren't for the unfavourable negative gearing and capital gians policies introduced by the retarded Howard government.

In any case, you are constantly contradicting your view. ON one hand you believe in small government.  On another hand, you are advocating for subsidies to be handed out by a government to all, which straight away will effect the private market.

You are a complete num nut.  Go back to your rock for the day and come back tomorrow to sprout that you're a family man who is "working class" blah blah blah blah blah no one actually cares.



Absolute bollocks.
You can believe in smaller Government and have targetted subsidies!

Mrs Thatcher did exactly that and nobody was a more firm believer in smaller Government than her!

Small Government relates to the Government getting out of areas in which it adds little value.
Transport, schools, healthcare - all areas where the private sector would be better placed to run.
Governments role should be to remove red-tape, help businesses, put in place policies which bring about stable, efficient movement of resources and capital.

Subsidies to help everyday working people as they face cost of living pressure is such a tool.


And yet you once again avoid to explain exactly how it will AVOID continued increases in the energy costs above inflation. Why can't you answer this, mr. subsidised bacon?  

Smaller governments should not interfere in private markets through direct subsidies to all individuals.  Doing so is nothing more than trying to curl up to the voter and spoon them.



Because industry regulators would ensure there is not excessive price increases.
Plus also there would be a removal of barriers of entry on competition with an opening up to foreigh owned suppliers to create price competition to benefit the consumer.

Plus also you realize an increase in GST and reduction in direct income tax makes it a more fair system because you spread the tax load.
Everyone pays GST, it is known as the 'fair tax'.


Not to mention that regulators are already observing energy price increases, and guess what, they are above inflation and the regulators haven't put a stop to it...

so num nuts, how will ur subsidy help long term>?
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Andrei.Hicks
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Re: Everything squandered, now a rainy day.
Reply #88 - Feb 7th, 2011 at 4:05pm
 
The subsidy doesn't remove barriers to entry.

That's completely separate - but what you do want to do is encourage other suppliers to enter the market - overseas based suppliers being one example.

In California our energy was put on a market based system where you can trade credits in energy, etc.

Competition, targetted subsidies to certain families, a lifting on coal and gas restrictions, an encouragement to overseas suppliers.

Price is everything, remember that.
That is the way to drive down price.
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Re: Everything squandered, now a rainy day.
Reply #89 - Feb 7th, 2011 at 4:06pm
 
sir prince duke alevine wrote on Feb 7th, 2011 at 3:44pm:
mellie wrote on Feb 7th, 2011 at 3:42pm:
sir prince duke alevine wrote on Feb 7th, 2011 at 3:37pm:
mellie wrote on Feb 7th, 2011 at 3:29pm:
Or perhaps all those consultants Gillard continues employing at the tax-payers expense to run her government are responsible for the budget blow-out, because she's not really the sharpest tool in the shed now is she,.. wanted to wear the pants, but really needs to employ others to do the leg-work for her.

If she was capable, would she be outsourcing others to make her decisions for her?  My god, this unco git cant even speak or walk properly, ...moeeeving foooeewwweeed, cant even keep a promise.


Has Obama offered Gillard any Aid, the way Bush did Howard after cyclone Larry?  Howard said no thanks, we can take care of ourselves, and he did so with a sense of duty and pride.

Gillard is using the floods and cyclone as an excuse all to restore what she herself squandered like a spoilt child in a lolly shop.

There's been far too much consultancy with this government without anything to show for it.

What became of the Climate panel? Moving backwards on that to it seems.  

All this money squandered, waisted, with nothing to show for it.

Now we have to foot the bill.


Howard managed without bleeding the working class, why cant she?



You are seriously the BIGGEST dipshit in this entire forum.

Do you SERIOUSLY think the 1.8billion is a cash grab to replace what has been spent??????????  Now, I know you probably don't quite understand the maths...but try and work out if through maths what you are saying makes any sense at all.

As for Howard, the fact that the working class now has a mortgage that is 6 times their income, not 3, shows just how much he did.


Arrogant half-bake.

Cool



I see you did the maths.

Well done, nutter.



You are an idiot, and have no idea what you are talking about.
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All together now Labor voters.......&&&&lap-tops, pink-bats refugees and Clunker-cars&&&&insurance.AES256
 
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