asterisk2a + credit   541

Italien in der Rezession: Fatale Spirale - SPIEGEL ONLINE
Die Wirtschaft schrumpft, die Schulden steigen, von den Ratingagenturen droht die Abstufung auf Junk-Niveau: Italien rutscht immer tiefer in die Krise - und könnte einen Domino-Effekt in der EU auslösen.
Italy  credit  rating 
10 days ago by asterisk2a
Mentally ill people more at risk of losing benefits, study shows | Society | The Guardian
The findings are based on government data about 327,000 people with either type of health condition who switched from receiving DLA to personal independence payments (PIP) between April 2013 and October 2016.

The findings raise fresh questions over whether people who are struggling with mental ill health are at a disadvantage when they have to negotiate the benefits system.
DWP  mental  health  Universal  Credit  Austerity  NHS  DLA  PIP  ESA  JSA  sanction  UK 
4 weeks ago by asterisk2a
Unfit DWP should be axed, says thinktank | Society | The Guardian
Ministers should consider abolishing the Department for Work and Pensions after its failure to help ill and disabled people out of poverty, a leading thinktank has said. [....] Tom Pollard, the report’s author, spent 18 months at the DWP on secondment from mental health charity Mind. By the end of his time there he concluded that the “DWP is institutionally and culturally incapable of making the reforms needed to achieve such a shift in outcomes for ill and disabled people, or for ‘harder-to-help’ groups more widely”. [...] The report concludes that while the DWP has been able to help people with minor difficulties into employment, the outcomes are “much poorer when it comes to supporting people with more complex needs”, such as the ill, disabled, older people, those with drug and alcohol problems, ex-prisoners and the homeless. [...] It calls for the DWP to be stripped of responsibility for these hard-to-help groups, with the health department and NHS helping the ill find work, local government taking over Jobcentre Plus, and benefits and pensions delivered by HMRC. The charitable sector could also be given a bigger role. [...] It accuses the department of seeing claimants through a “benefits lens”, in which conditions were placed on their payments as a way of forcing them into work. He warns that the department’s reputation among many groups is now so bad that it may prove impossible and expensive to improve. “A bad reputation is far harder to lose than a good one,” he writes.
WCA  ESA  Disabled  mental  health  DWP  Universal  Credit  Council  Austerity  Privatisation  welfare  state 
4 weeks ago by asterisk2a
Amber Rudd’s denial of the benefits crisis takes political spin to a new level | Frances Ryan | Opinion | The Guardian
The facade did not last long. On the eve of the Brexit vote, the DWP snuck out a change to pension credits that could see couples on universal credit lose as much as £7,000 a year.
Benefits rule changes could cost pensioners in UK thousands a year
From 15 May, new pensioners with partners under 65 can no longer claim pension credit - new pensioners whose partners are younger than the state retirement age of 65 can no longer claim a means-tested top-up called pension credit.

Instead they will be forced to claim the much less generous universal credit alongside their younger partners.

The couple rate of universal credit is £114.81 a week compared with £255.25 for a couple receiving pension credit. This amounts to a potential loss of £7,320 a year.

&! There is perhaps no greater skewer to this narrative than the fact some MPs have called for the introduction of a minister for hunger.
DWP  Universal  Credit  Austerity  CON-servative  Conservative  Pension  poverty  nasty  welfare  state  food  hunger  deprivation  trap 
5 weeks ago by asterisk2a
Four single mothers win high court benefits battle against DWP | Society | The Guardian
The ruling upstaged an announcement by the work and pensions secretary, Amber Rudd, of her plans to scrap a proposal to extend the two-child benefits cap, as part of an attempt to reset public perceptions of universal credit.

News of the ruling came in the middle of Rudd’s speech, in which she had described universal credit as a “fair and compassionate welfare system”.

&! Don’t be fooled by Amber Rudd’s phoney attempt at compassion
The work and pensions secretary’s universal credit tweak is a PR exercise that will do little to help children living in poverty

&! - Universal credit to be paid to main carer in attempt to help women


&! - Head of Economics Alfie Stirling talks changes to Universal Credit on the Jeremy Vine show, 11.01.19
Tories  Conservative  Party  nasty  DWP  Universal  Credit  Austerity  poverty  trap  working  poor 
6 weeks ago by asterisk2a
Threat of revolt forces rethink of ‘catastrophic’ universal credit | Society | The Guardian
All current universal credit claimants are people making new claims or those who have had a change in circumstances.
DWP  Universal  Credit  ESA  JSA 
6 weeks ago by asterisk2a
Universal credit childcare is hurting the poorest, MPs warn | Society | The Guardian
Requirement for parents to pay costs upfront, and then claim them back, is a burden on the poor, says report [...] The work and pensions select committee argues that the way some of the poorest in society are having to pay childcare costs upfront – then face weeks before they are reimbursed – is a significant disincentive to moving into work. &! - The Universal Credit system leaves too many UK claimants with children facing a stark choice between turning down jobs or getting into debt, MPs warn.
*&! - Universal Credit: Is the system working? - BBC Newsnight
DWP  Universal  Credit  UK  Austerity  childcare 
8 weeks ago by asterisk2a
Police Scotland link robbery rise with UK benefits changes - BBC News
It states: "Analysis conducted during August 2018 has not identified a discernible pattern, although anecdotal evidence from intelligence suggests that a combination of increased drug prices due to police enforcement, and changes to welfare systems, may have contributed to an increase in crimes of dishonesty and robbery."
UK  Austerity  Police  crime  DWP  Universal  Credit  sanctions  war  on  drugs  welfare  state  poverty  trap  homelessness  homeless 
november 2018 by asterisk2a
Michelle Ballantyne MSP: 'People on benefits cannot have as many children as they like' - BBC News
Michelle Ballantyne MSP: 'People on benefits cannot have as many children as they like'
- two child policy and empty bellies for the many
- and private school and weekend trips to europe for the few
DWP  Austerity  taxcredit  child  tax  credit  Universal  Tories  nasty  party 
october 2018 by asterisk2a
Universal Credit - internationally “unique” in its harshness, and headed for 7 million of us | openDemocracy
The suspicion and disrespect for people reliant on benefits even extended to seriously ill and disabled people, who have been treated with such harshness that the United Nations says the government has committed ‘grave and systematic violations’ of their human rights, leading to a ‘human catastrophe’. Almost unbelievably, UC continues this process, with the abolition of both the Severe Disability Premium and the Enhanced Disability Premium, and the slashing of the allowance for a disabled child. So whilst families with a disabled member are more likely than others to be living in poverty, many will be even worse off under UC. (NB For current claimants there is some transitional protection, so please don’t panic).
// Universal Credit is not this government’s poll tax – it’s far worse in every way
Universal Credit is both more destructive for those affected and harder for the government to unpick than a poll tax. -
Austerity  Universal  Credit  IDS  Privatisation  outsourcing  DWP  UK 
october 2018 by asterisk2a
Welfare spending for UK's poorest shrinks by £37bn | Politics | The Guardian
Welfare spending for UK's poorest shrinks by £37bn
Figures compiled after decade of austerity and obtained by Frank Field show most striking cuts are in disability benefits
Spending on welfare benefits for the UK’s poorest families will have shrunk by nearly a quarter after a decade of austerity, according to new figures highlighting the plunge in living standards experienced by the worst-off.

By 2021, £37bn less will be spent on working-age social security compared with 2010, despite rising prices and living costs, according to estimates produced by the House of Commons library.

Some of the most striking cuts are in disability benefits – personal independence payments (PIP) and employment and support allowance (ESA) – which together will have shrunk by nearly £5bn, or by 10%, since the start of the decade.
Austerity  UK  Disabled  ESA  tax  credit  Universal  JSA  sanctions  welfare  state  society  poverty  trap 
september 2018 by asterisk2a
Universal credit could be sunk by next stage of rollout, say experts | Society | The Guardian
The Resolution Foundation estimates that 1.8 million working families will see their incomes drop when they move onto the new system. [...] Campaigners fear that the abrupt nature of the migration – claimants will be sent a letter giving them three months to apply for universal credit before their current benefits are cancelled – will see many vulnerable people fall out of the benefits system.
Universal  Credit  DWP  JAM  ESA  Disabled  tax  UK  Austerity  Theresa  May 
september 2018 by asterisk2a
(10204) Are We Destined for a Slow Growth Future? - YouTube
- shortage on the demand side. but demand can't be more leveraged and borrowed. ALL economic indicators point against a thriving of the UK bottom up (from household finances, are stretched thinly) //&! Gross wages lower than 10 years ago! Lost decade of earnings. In real terms people are NOT better off.
secular  stagnation  Brexit  household  debt  consumer  UK  USA  loan  GFC  recovery  Productivity  output  gap  economic  history  leverage  underinvestment  banking  property  bubble  housing  demographic  immigration  working  poor  poverty  Austerity  Trickle-down  Gesellschaft  DonaldTrump  Donald  Trump  inequality  social  mobility  income  Society  inflation  deflation  deflationary  debtoverhang  debt-servicing  OECD  IMF  ZIRP  NIRP  QE  BOE  Fed  globalisation  globalization  trap  credit  card  creditcard  creditcrunch  student  auto 
july 2018 by asterisk2a
Bertelsmann-Studie: Kinderarmut hängt stark von Berufstätigkeit der Mütter ab - SPIEGEL ONLINE
Kinder von Alleinerziehenden sind besonders armutsgefährdet // - rising cost of living - The report said a single person needed to earn £18,400 a year to reach the minimum income standard, which is a measure of income people need in order to reach a minimum socially acceptable standard of living in the UK, from £17,900 when the requirement was last calculated a year ago. [...] Single-breadwinner families – where one parent works full-time and the other does not – have fallen furthest behind
poverty  child  childhood  development  single-parent  trap  working  poor  income  mobility  social  meritocracy  meritocratic  tax  credit 
june 2018 by asterisk2a
Universal credit savaged by public spending watchdog | Society | The Guardian
NAO says core claims about flagship welfare programme are based on unproven assumptions The government’s ambitious change to the benefits system, universal credit, fails to deliver promised financial savings or employment benefits and leaves thousands of vulnerable claimants in hardship, according to the public spending watchdog.

The National Audit Office effectively demolishes ministerial claims for universal credit, concluding that the much-delayed flagship welfare programme may end up costing more than the benefit system it replaces, cannot prove it helps more claimants into work and is unlikely to ever deliver value for money. &! - The £1.9bn Universal Credit system may end up costing more to administer than the benefits system it is replacing, according to the National Audit Office.
Universal  Credit  DWP  JSA  ESA  Disabled  sanctions  poverty  destitute  homelessness  Council  Tories  nasty  party  Austerity 
june 2018 by asterisk2a
Benefit sanctions found to be ineffective and damaging | Society | The Guardian
Benefit sanctions found to be ineffective and damaging
Study concludes that punishing claimants triggers profoundly negative outcomes
targets  DWP  Home  Office  sanctions  UK  Austerity  ESA  Disabled  Universal  Credit 
may 2018 by asterisk2a
Complex rules for universal credit see one in five claims fail | Society | The Guardian
barriers loops some might not jump through bc of pride. have heard that before.
Austerity  DWP  welfare  state  Universal  Credit 
may 2018 by asterisk2a
(7428) Universal discredit: evictions, rent arrears and food bank use all soar under new benefit system - YouTube
Universal discredit: evictions, rent arrears and food bank use all soar under new benefit system // hostile environment // - Why is government website carrying fake jobs? // &! Tricking people out of benefits // &! Sanction targets // &! - Iain Duncan Smith's Universal Jobmatch is a Monster failure // &! ITS SELF-EMPLOYMENT and worse SELF-EMPLOYMENT SCAMS (pyramid schemes, pay for training to get self-employed).
Universal  Credit  DWP  UC  Austerity  nasty  Tories  Conservative  Party  sanction  targets 
april 2018 by asterisk2a
Esther McVey: child tax credit 'rape clause' is opportunity for victims | Politics | The Guardian
DWP policy mirroring Theresa Mays Home Office. Hostility and lots of legal hurdles most cannot pay for, or afford, mentally, psychologically.
DWP  JSA  child  tax  credit  taxcredit  UK  Austerity  nasty  party  Tories  WCA  ESA  Disabled 
april 2018 by asterisk2a
Universal credit 'flaws' mean thousands will be worse off | Society | The Guardian
Thousands of self-employed, agency, and zero-hours contract workers will be potentially hundreds of pounds a year worse off under universal credit, according to research.
DWP  Austerity  Universal  Credit  welfare  state  UK 
april 2018 by asterisk2a
(112) Renegade Inc. & What to expect in 2018 - YouTube
UK BOE QE trap - the road to normalisation - without counter engagement (productive investment), and further Austerity, tax evasion, inequality, income gap, secular stagnarion, less money to spend for the average joe === very bumpy uncertain ride. ... and add Brexit even more uncertainty. OUCH. real growth for real people not gonna happen. // see also RAWerden Richard Andreas Werner for bank reform (local non-profit et al) // also consumers will hold back. especially w trickle down of bad news. job losses here and there retail inflation wage growth etc. creating a impression of a malaise especially for the 50% who voted remain. and 30% who didnt go vote. // see also news 8or7 out of 10 workers broke/permanently skinned - and consumer debt at 2008 high //
BOE  QE  trap  Richard  Koo  UK  Austerity  productive  investment  underinvestment  productivity  Brexit  Steve  Keen  book  RAWerner  debt  bubble  asset  alternative  WallStreet  GDP  output  gap  uncertainty  2018  business  consumer  confidence  fiscal  policy  NHS  monetary  Carillion  PFI  disposable  income  discretionary  spending  credit  malaise  secular  stagnation  stagflation 
february 2018 by asterisk2a
Homebase owners may close up to 40 stores - BBC News
[first the supermarkets, then everyone else, also UK restaurant trade struggling, especially mid-market! anything above your payday takeout, also housing growth is slowing down thus DIY ] UK retailers are struggling in the face of rising inflation and fragile consumer confidence.

Several store chains have announced job cuts recently, including supermarket giants Tesco, Sainsbury's and Asda.

Homebase's rival, B&Q, last week said it was cutting 200 jobs at its head office in Hampshire as part of a cost-cutting drive. &! - Demand weakens for services such as restaurants and hotels amid ongoing Brexit uncertainty
UK  Brexit  disposable  income  economy  discretionary  spending  growth  wage  Productivity  High  Street  Precariat  working  poor  poverty  trap  social  mobility  pay  rise  inflation  broke  household  debt  credit  card  leverage  recovery  secular  stagnation  history  GFC  Austerity  underinvestment  output  gap  HighStreet  Services  Service 
february 2018 by asterisk2a
Food insecurity: a third of poorest households skip meals, survey finds | Global development | The Guardian
one in four low-income households struggled to eat healthily or regularly.

More than half of adults across all income groups, ages and household sizes agreed that they had seen the cost of their groceries go up over the past three months, reflecting rising food inflation.
public  health  Austerity  Brexit  shrinkflation  inflation  food  insecurity  UK  crisis  obesity  overweight  Cancer  diabetes  CVD  childhood  JSA  ESA  structural  unemployment  sanctions  child  tax  credit  taxcredit  subsidies  chronic  sick  population  sickcare  demand  NHS 
january 2018 by asterisk2a
Children's commissioner may consider legal action over Universal Credit - BBC News
Asked if there was any prospect of legal redress in Scotland, Mr Adamson said: "While we don't have the Convention on the Rights of the Child within our domestic law yet, we do have the Humans Rights Act which brings in the European Convention on Human Rights and the courts look very closely if a state falls below that minimum standard required, where the state fails to provide those basics of life.
"So certainly if children in Scotland aren't getting those basic things then legal action may be the way to take this forward. But it's not the best way."
Universal  Credit  poverty  trap  single-mum  single-mom  child  DWP  JSA  ESA  taxcredit  Austerity  UK  inequality  social  mobility  BAME  welfare  state 
december 2017 by asterisk2a
Landlady left with £9,500 rent arrears by tenant on universal credit | Money | The Guardian
Property owner says she will not rent to recipients again – as fears rise more will follow suit
Universal  Credit  social  council  housing  JSA  ESA  DWP  Austerity  benefit 
november 2017 by asterisk2a
‘First, do no harm’: are disability assessments associated with adverse trends in mental health? A longitudinal ecological study | Journal of Epidemiology & Community Health
Conclusions The programme of reassessing people on disability benefits using the Work Capability Assessment was independently associated with an increase in suicides, self-reported mental health problems and antidepressant prescribing. This policy may have had serious adverse consequences for mental health in England, which could outweigh any benefits that arise from moving people off disability benefits. &!
WCA  DWP  ESA  Universal  Credit  mental  health  Disabled  Austerity  rationing 
november 2017 by asterisk2a
Families thousands of pounds worse off after years of cuts, study finds | Society | The Guardian
universal credit intro is hidden cut to tax credits for the poorest to make ends meet. // so much for "burning injustice" of effective tax rate of 65% // “The losses are alarming, and will damage the life chances of hundreds of thousands of children growing up under austerity.” // single mothers and bame single mothers hit hardest by Austerity. // Overall, the study said, cuts to the existing benefit system since 2010 will push 700,000 children into poverty, after accounting for housing costs. The two-child limit for benefit payments alone will put 200,000 children in poverty once the system has been fully extended nationwide, the calculations suggested.
Universal  Credit  poverty  trap  child  taxcredit  DWP  Austerity  UK  Precariat  deprivation  ESA  disabled  Council  working  debt  Gesellschaft  Sociology  Society  nasty  party  Tories  Theresa  May  Conservative  Generationengerechtigkeit  GFC  bank  bailout  tax  evasion  avoidance  taxation  welfare  state  mental  health  wellbeing  well-being  Psychology  class  Brexit  childhood  parenthood  parenting  public 
november 2017 by asterisk2a
Who's Destroying The American Dream by RSA Events
Richard Reeves - PBS did a segment w him, middle class keeps its chips to itself. also if you want more upward mobility, you need also downward mobility. possible w better welfare state net - ie UBI universal basic income. the worse inequality gets the worse reference points get.
American  Dream  book  UBI  Grundeinkommen  Universal  Basic  income  segregation  social  mobility  meritocracy  meritocratic  Brexit  DonaldTrump  Donald  Trump  USA  post-racial  BAME  UK  Germany  AfD  btw17  welfare  state  Austerity  opportunity  education  policy  taxation  tax  evasion  avoidance  economic  history  credit  taxcredit  Precariat  working  poor  poverty  trap  mental  health  public  damage  middle  class  Politics  1%  Super  Rich  Oligarchy  inequality  downward  upward 
november 2017 by asterisk2a
Universal credit’s hidden cut pushes disabled people into poverty | Frances Ryan | Society | The Guardian
Up to half a million disabled people like Philip and their families will be financially worse off under universal credit, according to disability charities, through the removal of the disability premiums, as well as cuts to child disability payments, which could affect 100,000 children at an annual loss of £1,000. Ask the Department for Work and Pensions (DWP) and it states that the support given by SDP is now provided through personal independence payments, (Pip) and social care from local councils, and that “transitional protection” will be available when disabled people are moved from ESA on to universal credit in 2019. But press further, and it turns out that cash-strapped local authorities have no obligation to provide support. And there is no help for disabled people like Philip who are transferred early.
Universal  Credit  DWP  ESA  Disabled  welfare  state  Austerity  social  isolation  deprivation  poverty  trap  UK  inequality 
november 2017 by asterisk2a
BBC Radio 4 - Radio 4 in Four, How your mood affects what you spend
cosmetic counter and primark - treat on fr sat sun - A study out today by price comparison website says stressed, bored or sad people are more likely to make impulse purchases they later regret. The study reckons so-called 'stress buying' is costing us around £1,250 a year. Winifred Robinson talks to Siemon Scamell-Katz and Claudia Hammond.

"emotional spending" on way home or over weekend.
Consumerism  Advertising  coping  mechanism  self-medication  chronic  stress  dopamine  Materialism  Consumer  Capitalism  mental  health  well  being  wellbeing  well-being  debt  credit  card  Anarchism  Facebook  Instagram  Amazon  gratification  emotions  addiction  maladaptive  neuroscience  pleasure 
october 2017 by asterisk2a
Archbishop calls for cut to universal credit delays - BBC News
The Joseph Rowntree Foundation has warned that an additional 340,000 people will be in poverty by 2022 because of cuts implemented by former Chancellor George Osborne to the universal credit work allowance.
The independent charity claimed that a lone parent working full-time on the national living wage will be £832 a year worse off because of the cut. The equivalent figure for couples with a single breadwinner working full-time is £468, it said.
DWP  Universal  Credit  Austerity  taxcredit  taxation 
october 2017 by asterisk2a
UK's low pay culture traps people in poorly paid jobs, study finds | Society | The Guardian - high tech, low life. // in-work poverty, gini coefficient takes into account pensioners. // “Britain has one of the highest proportions of low-paid work in the developed world. And while three-quarters of low-paid workers did manage to move into higher-paying roles at some point over the past decade, the vast majority couldn’t sustain that progress. This lack of pay progress can have a huge scarring effect on people’s lifetime living standards. [...] “Britain’s flexible workforce gives us global economic advantage but a two-tier labour market is now exacting too high a social price.
OECD  poverty  trap  social  income  mobility  Precariat  class  UK  zero  hour  contracts  part-time  Exploitation  neoliberalism  workers  trade  union  rights  skills  skill  gap  Productivity  output  London  economic  history  recovery  GFC  underinvestment  stagflation  secular  stagnation  Austerity  education  inequality  tax  credit  taxcredit  gini  Coefficient  standard  of  living  Brexit  inflation  disposable  discretionary  spending  debt  household  child  profit  maximisation  competitiveness  IMF 
october 2017 by asterisk2a
Labour wins symbolic victory in vote on universal credit - as it happened | Politics | The Guardian
Mhairi Black: plunging people in debt, homelessness, rent arrears and hunger does not incentivise does not put people back in work! //&! 60% tax rate anything earned over 16hrs on each pound. // Motion to pause universal credit rollout passes with 299 votes in favour and 0 against after most Tory MPs abstain. Follow latest updates
- phone charges dropped, but roll out goes on, despite house 299 votes to stop roll out. so much for Theresa Mays "concern" for "burning injustice" and Heidie Allens (tory mp) about here talking about it.
DWP  Universal  Credit  Austerity  Tories  Conservative  Party  nasty  Theresa  May  JSA  ESA  WCA 
october 2017 by asterisk2a
Universal credit: DWP withholding bad news, says senior MP | Society | The Guardian
The committee has since received over 100 evidence submissions on universal credit from claimants, landlords, councils and charities. Of those so far published on the inquiry website, almost all report major problems, with consequences for claimants ranging from debt and rent arrears to mental distress and hunger. //&! People having GoFundMe campaigns -
DWP  Universal  Credit  UK  Austerity  welfare  state 
october 2017 by asterisk2a
Prime Minister's Questions, factchecked - Full Fact
The Observer reported that half of all council tenants on Universal Credit, in 105 councils, are at least a month behind on rent. 30% are two months behind. We’ve asked the Observer for more information on this.
Universal  Credit  DWP 
october 2017 by asterisk2a
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