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PDF Editor FAQ

Why do people judge low income families for wanting more children?

They do not judge low-income families for wanting more children if they are willing and able to provide for them. They are unhappy when low-income families have more children when they cannot afford to care for the ones that they already have.I am from the United Kingdom, and here we have a slightly more generous welfare state than other parts of the world. Prior to 2017, you could claim child benefits, child tax credits, as well as get reductions on council tax and housing benefits. This was worked out per child, and the more children you had often the more money that you were able to claim. In 2017 this changed to only include 2 children per household. This means that parents can only rely on the state to provide child tax credits and housing benefit for up to two children (child benefit and council tax reduction is unchanged.This rule applies to any child born after April 6th 2017. Any children born before this date are exempt from the rule. There are also other exceptions to the rule in order to cover rape and multiple births. This was implemented by the UK government in power at the time - the Conservatives. They are the political party that is more to the right of the political spectrum Many of their voters took issue with the benefits system in place for multiple children and wanted a fairer system.To use a case study: Marie Buchan, a single mother who had 8 children who ranged in age of 12 years to 6 months at the time of her infamy.Marie was dubbed the ‘Welfare Queen’ in the British media as she received £26,000 a year while being unemployed. Now take into account that this was at the time the average wage per year of full-time employment in the UK before tax. It is understandable that people would take issue that they have to work for their wage while there is someone who is getting the same amount of money due to choosing to have a large number of children.Furthermore, this same lady who complained about getting capped at £26,000 has also publicly admitted on national television that living on benefits was ‘very easy’.‘You obviously have a baby, you send off the application form, birth certificate, they assess it and then you’ve got your money in your account. It is very easy.’Now, this is not the reality for all large families. There is another large family in Britain known as the Radford family. They only claim child tax credits (that every parent of a child in the UK is entitled to regardless of wage). The family have 21 children who range from 30 to a few months old. They, however, work hard to budget and provide for their children. The father Noel owns his own business and is able to provide for each of his children. They do not get judged as they are not expecting the state to provide for any of their children.The key distinction here is financial responsibility for your children. I am a big believer that although every person has rights, those rights also come with responsibility. People have the right to have children, however, they should be financially responsible for those children and able to provide for them. The government can sometimes assist with this, but should not have to assist in the cases where people choose to have as many kids as possible in order to maximise the amount of ‘free money’.Remember that money is never free and has to come from somewhere. The money that was initially allocated for people who made the choice to have lots of children even though they knew they were not financially able to do so, could have been better allocated to other resources. Essentially it is tax payer’s money that is being spent in order to fund someone else's lifestyle choice.If you are a lower income family who can afford to have more children and still be able to effectively care for them without the financial assistance of the state then have all the children you like. Having more children because ‘you want to’ and expecting the state and by extension taxpayers to pick up the bill is wrong.-Day 20/365

What was the best revenge you've ever gotten?

I met her through a dating site. I was widowed, she was divorced. When I was growing up, there were hardly any kids I went to school with whose parents had divorced so there was a kind of stigma attached to it. But, I gave her the benefit of the doubt.She didn’t get on with her ex (by whom she had 2 daughters). They’d separated after about 3 years of marriage. The eldest saw her father occasionally; the youngest (born about 12 months before the separation) didn’t really remember him despite seeing him when her older sister visited. She and her 3 daughters (the youngest from a new relationship) moved in with me & my son 8 months later (we were engaged by this point).One night her eldest daughter left her mobile lying around. I know I shouldn’t have, but I saw a text which came from her father. It said “I’ll give it 6 months before she’s got his money and his house” (my mortgage had been paid for 10 years previously when my first wife died). I told my ex about it and we laughed. We married 12 months to the day we met.We also laughed a few times more about that text, and on our 6-month anniversary I said “shouldn't you have my money and my house by now?” and we laughed again. Less than 6 months later she left me, and after some snooping around after she’d moved out (but before collecting her stuff before moving into a new house), I found a few things out.I didn't realise just how much debt we (I) were (was) in. She’d been an undischarged bankrupt when we met (I knew about it) so all finances were in my name (although she was an authorised user, and had a bank card to my account). I discovered I was in £25k debt. I had to juggle my finances pretty quickly to appease those who I had to pay money to on a regular basis to allow me to stay in my home (gas, electric, water, council etc) and to those who I paid money to that I could do without (white goods insurance, magazine subscription etc) I cancelled.Whilst going through her stuff that she’d left behind in her haste to get out, I found a few interesting pieces of info. 3 days before she was due to move in with me, she was due to attend court to answer a summons that she’d not paid her council tax for the whole of the 12 months before we met. She’d also told her council that her eldest daughter had “moved out” on the day of her 18th birthday despite the fact that she hadn’t (there was a 25% reduction for single adult occupancy). Her middle daughter also “moved out” on her 18th birthday (she hadn’t) just after we met. She also hadn’t paid her water rates for the previous 12 months. I was beginning to understand just what kind of person she’d been.She didn’t change her email password (which she’d told me) so for quite some time, I was checking her mail. I didn’t act on any of it, I just read it. She hadn’t told me why she left, so I was hoping to find some evidence of cheating. There was nobody else (and I know that to be true 7 years later), but what I did discover is that she’d been applying for credit cards with higher-than-normal interest rates (aimed at those who had poor credit ratings because of, amongst other things, bankruptcy) and also payday loans.One day, my home phone rang. I answered and it was a robotic voice. “This is a call for <metallic name>. If you are <metallic name> press 1”. I couldn’t work out what “metallic name” was saying, but if you’re calling me, I want to know who you are, so I pressed 1. A moment later, a human voice came on the line and said “Is <redacted> there?” I said no she wasn't. She'd walked out on me and obviously not bothered to inform you. She also hadn't told you that we were married and that she now had a new surname. “Ah no matter, we have other numbers for her”. I said that if any of those numbers began (and gave him the dialling code for her previous address) or end with (and gave him the last 3 digits of her mobile number) then there was no point in dialling them as they were no longer valid. You could hear the disappointment in his voice.“But I can give you her current home address if you like?” I said, and his voice changed to a level that it might be if he’d won the lottery. “Oh that’d be great!” he said, so I gave him her new address. A couple of days later, she sent an email to the company saying “You’ve written to me in my previous name but I have no idea what it’s about” so I knew I’d hit the jackpot (searching the company name / phone number, I discovered they were a debt collection agency). Time to twist that knife further.I phoned her old council and told them that she’d been not attended court when she was supposed to as she’d moved in with me (and the reason she’d given to her council for giving up her tenancy was “problems with neighbours”, not “moving in with fiancé), and told them that she’d been claiming single-adult occupancy when she wasn’t supposed to, and gave them her current address. Her eldest daughter had moved out of our house and moved in with her father some 9 months before her mother moved out, and I suspected that he wouldn’t have told the council that she’d moved in (he was living alone and claiming single-adult occupancy) and gave them his address (I’d dropped her daughter off there a few times before she moved out). The council thanked me for that.I then phoned our own council and told them that she was more-than-likely claiming single-adult occupancy with them. They asked why I thought that. I told them that I’d found some info online that suggested that, and that she also had previous form so it was a fair bet she was doing it now. A few months later, while searching online, I found that miraculously, her two eldest daughters were “living” with her. Whether they were or not, I didn’t care. She was now paying what she was supposed to.I also phoned the water people and told them about her unpaid bill and gave them her new address. They promised to investigate too. I estimated that within 6 months of moving out, she’d managed to accrue somewhere in the region of another £10k of debt that she’d somehow manage to be able to talk her way out of.We’d also been claiming benefits as a couple (that we were entitled to) that had been previously paid individually to us. When she moved out, I had to claim as a single parent again (and so did she) but we were left with an overpayment. Due to the inefficiencies of the staff in the department dealing with the benefit, it took me nearly 3 years, with the help of my MP (who is someone I consider a friend, having worked with him 20 years previously), and the Ombudsman to be paid what I was rightfully owed. Trouble was, the way the claim was worked out, she was also entitled to something too.I knew she’d lied on the claim for the benefit too, and when the Ombudsman phoned me to tell me that the department had finally admitted they’d screwed up, he told me what I was owed, but the bad news was that she was owed more than me! I said that I didn’t consider that fair and that I thought she’d lied in the first place. He said that he couldn’t discuss her circumstances with me, but the way he said it, I knew that I was right in my thoughts.He confirmed it although he shouldn’t, so I asked why she was getting money she wasn’t entitled to, and that I’d fought for (and she hadn’t). He said that although she was legally entitled to it, the fact that she had a bigger overpayment than the money she was due (that needed to be paid back) meant that she wouldn’t see a penny of that money. It’d be deducted from what she owed.I said that the system should have detected when she made her new claim but had obviously missed it. He said I was right, and that the department had now taken steps, based on my dogged determination to prove I was right and that they were wrong, to make changes to the system to prevent it from happening again. So one small guy caused the government to make a sweeping change. Did I feel good about it? You bet I did.I think I can safely say that I got the revenge (and justice) that I was owed. And she learned that you DFWAFUYWTBFB (don’t fuck with a fucker unless you want to be fucked back). If you owe me money I will do everything in my power (without the need to involve solicitors) to get it back.

What benefits can we claim for mental health in the UK?

Depends on your situation with impact on your daily life, ability to work (in their eyes), housing etc. I think some might be effected by if you have a partner, their income, any dependents.They are pretty strict these days and its a notoriously difficult process to go through. Lots of people have to appeal decisions. I think the citizens advice bureau can help guide you. Check out their website.You can apply for personal independence payments (PIP) which about your daily needs and how you cope with them. You can get this regardless of other income. You'll get a huge form, if suggest getting guidance or support with completing it. You need to be very truthful but write in detail about how your mental illness effects your ability to do regular daily tasks like moving around, washing, dressing, cooking, eating etc. You'll be asked for any evidence to support this- letters, care plans, confirmation of treatment etc. Then you're most likely to have an interview to basically go through the same questions.If you can't work because if your mental illness you can try to claim universal credit. I think everywhere has changed over to this now (formerly ESA for this part). You can apply online. Again you'll need to answer loads of questions and supply any evidence to support this. After quite a while you'll have an interview about this too. On universal credit you can apply for the housing component at the same time, if you're eligible. This is the equivalent of housing benefit.Based on your income (from work or benefits) and Living situation you may get a reduction in council tax. You need to apply directly with them.I may have forgotten something… But I think that's everything. There is a government website about ‘what am I entitled to?’

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