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	<title>Comments on: Failure to deliver States savings &#8216;could trigger danger for economy&#8217;</title>
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		<title>By: Phil</title>
		<link>http://www.thisisguernsey.com/news/2012/12/24/failure-to-deliver-states-savings-could-trigger-danger-for-economy/#comment-221462</link>
		<dc:creator>Phil</dc:creator>
		<pubDate>Wed, 02 Jan 2013 14:18:28 +0000</pubDate>
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		<description>I thought that practice had been stopped some time ago, is the loophole still open?</description>
		<content:encoded><![CDATA[<p>I thought that practice had been stopped some time ago, is the loophole still open?</p>
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		<title>By: GM</title>
		<link>http://www.thisisguernsey.com/news/2012/12/24/failure-to-deliver-states-savings-could-trigger-danger-for-economy/#comment-221337</link>
		<dc:creator>GM</dc:creator>
		<pubDate>Tue, 01 Jan 2013 22:57:43 +0000</pubDate>
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		<description>JJ Letho

I agree with you - that tactic should be stopped.</description>
		<content:encoded><![CDATA[<p>JJ Letho</p>
<p>I agree with you &#8211; that tactic should be stopped.</p>
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		<title>By: jj lheto</title>
		<link>http://www.thisisguernsey.com/news/2012/12/24/failure-to-deliver-states-savings-could-trigger-danger-for-economy/#comment-221298</link>
		<dc:creator>jj lheto</dc:creator>
		<pubDate>Tue, 01 Jan 2013 19:23:31 +0000</pubDate>
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		<description>GM, I agree that 500 quid per month would be a fairly big ask for a lot of families but one would hope that (despite the data protection laws) the states can cross reference tax returns and come up with a sensible estimation of how many people could afford the extra cost. Especially considering that any child removed from the colleges would (in most cases) end up in one of our wonderfully performing high schools....

What annoys me the most is the parents who &quot;play the game&quot; and pull their kids out of Melrose and Beechwood in time to enable them to pass the 11 plus with flying colours and thus secure a scholarship to the colleges.</description>
		<content:encoded><![CDATA[<p>GM, I agree that 500 quid per month would be a fairly big ask for a lot of families but one would hope that (despite the data protection laws) the states can cross reference tax returns and come up with a sensible estimation of how many people could afford the extra cost. Especially considering that any child removed from the colleges would (in most cases) end up in one of our wonderfully performing high schools&#8230;.</p>
<p>What annoys me the most is the parents who &#8220;play the game&#8221; and pull their kids out of Melrose and Beechwood in time to enable them to pass the 11 plus with flying colours and thus secure a scholarship to the colleges.</p>
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		<title>By: GM</title>
		<link>http://www.thisisguernsey.com/news/2012/12/24/failure-to-deliver-states-savings-could-trigger-danger-for-economy/#comment-221196</link>
		<dc:creator>GM</dc:creator>
		<pubDate>Tue, 01 Jan 2013 09:23:12 +0000</pubDate>
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		<description>Shane

Fair point but if the family allowance was scrapped altogether and was only available by application which would be means tested, how many people would need to be employed to deal with those applications to properly assess them?  2 or 3 perhaps, at a gross cost of say £80k to £120k perhaps?  Seems perfectly feasible to me if it was to result in say 75% of family allowance no longer needing to be paid.</description>
		<content:encoded><![CDATA[<p>Shane</p>
<p>Fair point but if the family allowance was scrapped altogether and was only available by application which would be means tested, how many people would need to be employed to deal with those applications to properly assess them?  2 or 3 perhaps, at a gross cost of say £80k to £120k perhaps?  Seems perfectly feasible to me if it was to result in say 75% of family allowance no longer needing to be paid.</p>
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		<title>By: GM</title>
		<link>http://www.thisisguernsey.com/news/2012/12/24/failure-to-deliver-states-savings-could-trigger-danger-for-economy/#comment-221195</link>
		<dc:creator>GM</dc:creator>
		<pubDate>Tue, 01 Jan 2013 09:17:28 +0000</pubDate>
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		<description>JJ Lehto

Numerous parents with several children would have no choice.  I accept that those with just one child would find it easier to find £2100.  A heck of a lot harder to find an extra £6300 if there are three children of various ages.</description>
		<content:encoded><![CDATA[<p>JJ Lehto</p>
<p>Numerous parents with several children would have no choice.  I accept that those with just one child would find it easier to find £2100.  A heck of a lot harder to find an extra £6300 if there are three children of various ages.</p>
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		<title>By: JJ Lehto</title>
		<link>http://www.thisisguernsey.com/news/2012/12/24/failure-to-deliver-states-savings-could-trigger-danger-for-economy/#comment-221063</link>
		<dc:creator>JJ Lehto</dc:creator>
		<pubDate>Mon, 31 Dec 2012 19:32:08 +0000</pubDate>
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		<description>GM, I generally agree with most of your posts, but I don&#039;t agree with your position on the college subsidies. Your figures are based on the &quot;unknown number of parents&quot; who would withdraw their children and place them back into the state system. I think this number would be very low. I personally don&#039;t know any parent (and I know a large number) of a college pupil who wouldn&#039;t stump up the extra 2.1k per year. I drive past both colleges each morning, and you only have to look at the majority of the cars dropping off pupils to see their parents are not poor. 

Undoubtedly there are some pupils who would have to leave, but I doubt the extra cost borne by the taxpayer for these pupils would exceed the savings made by abolishing the subsidies.</description>
		<content:encoded><![CDATA[<p>GM, I generally agree with most of your posts, but I don&#8217;t agree with your position on the college subsidies. Your figures are based on the &#8220;unknown number of parents&#8221; who would withdraw their children and place them back into the state system. I think this number would be very low. I personally don&#8217;t know any parent (and I know a large number) of a college pupil who wouldn&#8217;t stump up the extra 2.1k per year. I drive past both colleges each morning, and you only have to look at the majority of the cars dropping off pupils to see their parents are not poor. </p>
<p>Undoubtedly there are some pupils who would have to leave, but I doubt the extra cost borne by the taxpayer for these pupils would exceed the savings made by abolishing the subsidies.</p>
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		<title>By: Shane Langlois</title>
		<link>http://www.thisisguernsey.com/news/2012/12/24/failure-to-deliver-states-savings-could-trigger-danger-for-economy/#comment-221046</link>
		<dc:creator>Shane Langlois</dc:creator>
		<pubDate>Mon, 31 Dec 2012 18:40:22 +0000</pubDate>
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		<description>GM

Its more that some middle income families have a low net income after capital repayments on their mortgages and childcare costs. They are the ones who would suffer if Family Allowance was clawed back on the basis of gross income. 

As both the above outgoings are not tax deductible Income Tax would not have the data.</description>
		<content:encoded><![CDATA[<p>GM</p>
<p>Its more that some middle income families have a low net income after capital repayments on their mortgages and childcare costs. They are the ones who would suffer if Family Allowance was clawed back on the basis of gross income. </p>
<p>As both the above outgoings are not tax deductible Income Tax would not have the data.</p>
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		<title>By: PLP</title>
		<link>http://www.thisisguernsey.com/news/2012/12/24/failure-to-deliver-states-savings-could-trigger-danger-for-economy/#comment-221036</link>
		<dc:creator>PLP</dc:creator>
		<pubDate>Mon, 31 Dec 2012 18:03:32 +0000</pubDate>
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		<description>GM - When I was self-employed Income Tax and Social Security shared my income data to determine my contributions.

This would be slightly more complicated though, for example means testing parents in the cases of unmarried / separated households where the tax code would be different.</description>
		<content:encoded><![CDATA[<p>GM &#8211; When I was self-employed Income Tax and Social Security shared my income data to determine my contributions.</p>
<p>This would be slightly more complicated though, for example means testing parents in the cases of unmarried / separated households where the tax code would be different.</p>
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		<title>By: Dani</title>
		<link>http://www.thisisguernsey.com/news/2012/12/24/failure-to-deliver-states-savings-could-trigger-danger-for-economy/#comment-221018</link>
		<dc:creator>Dani</dc:creator>
		<pubDate>Mon, 31 Dec 2012 16:49:24 +0000</pubDate>
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		<description>Shane Langlois

Thank you for letting me know. I&#039;ll have a read of the whole lot when I have the chance. :-)

PS now following you on Twitter</description>
		<content:encoded><![CDATA[<p>Shane Langlois</p>
<p>Thank you for letting me know. I&#8217;ll have a read of the whole lot when I have the chance. :-)</p>
<p>PS now following you on Twitter</p>
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		<title>By: GM</title>
		<link>http://www.thisisguernsey.com/news/2012/12/24/failure-to-deliver-states-savings-could-trigger-danger-for-economy/#comment-220979</link>
		<dc:creator>GM</dc:creator>
		<pubDate>Mon, 31 Dec 2012 14:45:50 +0000</pubDate>
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		<description>Shane

That&#039;s only because the same income data that Social Insurance would need, and which income Tax already have, is not being shared. 

The States of Guernsey, in those separate departments, would have all the information they need.</description>
		<content:encoded><![CDATA[<p>Shane</p>
<p>That&#8217;s only because the same income data that Social Insurance would need, and which income Tax already have, is not being shared. </p>
<p>The States of Guernsey, in those separate departments, would have all the information they need.</p>
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		<title>By: Shane Langlois</title>
		<link>http://www.thisisguernsey.com/news/2012/12/24/failure-to-deliver-states-savings-could-trigger-danger-for-economy/#comment-220950</link>
		<dc:creator>Shane Langlois</dc:creator>
		<pubDate>Mon, 31 Dec 2012 12:38:03 +0000</pubDate>
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		<description>Dani

The Social Security Dept undertook extensive consultation and modelling when investigating an income related Family Allowance only four years ago. The results can be read on pages 1060-1064, Billet XII 2008 but the conclusion was;

“… it was not possible to design an income related family allowance scheme, on a cost neutral basis, that would not adversely impact upon middle-income families while providing sufficient additional income for low income families to warrant the increased administrative costs and complexities.”

At the time the SSD was not looking to save money but to distribute the pot more effectively to those genuinely in need.</description>
		<content:encoded><![CDATA[<p>Dani</p>
<p>The Social Security Dept undertook extensive consultation and modelling when investigating an income related Family Allowance only four years ago. The results can be read on pages 1060-1064, Billet XII 2008 but the conclusion was;</p>
<p>“… it was not possible to design an income related family allowance scheme, on a cost neutral basis, that would not adversely impact upon middle-income families while providing sufficient additional income for low income families to warrant the increased administrative costs and complexities.”</p>
<p>At the time the SSD was not looking to save money but to distribute the pot more effectively to those genuinely in need.</p>
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		<title>By: GM</title>
		<link>http://www.thisisguernsey.com/news/2012/12/24/failure-to-deliver-states-savings-could-trigger-danger-for-economy/#comment-220937</link>
		<dc:creator>GM</dc:creator>
		<pubDate>Mon, 31 Dec 2012 11:19:38 +0000</pubDate>
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		<description>AJ

Sorry if that puts you off, but some topics are too complex to get across in shorter posts to those such as Spartacus who need to be told something 10 times, in 10 different ways, before the penny finally drops. Most other posters don&#039;t tend to jump in with both feet unless they really know what they are talking about.  

In the case of a pension scheme, we are talking about a current £320m black hole, which has huge implications for every one of us. Not sure about you but I think that&#039;s worth getting a full understanding about, because our politicians seem unwilling to confront it.  I&#039;m not even sure that more than a handful of them actually understand the implications either, which is truly frightening.

It would be nice to hear what regular deputy posters like Dave Jones and Matt Fallaize have to say about it, and especially Gavin St Pier - all noticeably silent. Have they been gagged?</description>
		<content:encoded><![CDATA[<p>AJ</p>
<p>Sorry if that puts you off, but some topics are too complex to get across in shorter posts to those such as Spartacus who need to be told something 10 times, in 10 different ways, before the penny finally drops. Most other posters don&#8217;t tend to jump in with both feet unless they really know what they are talking about.  </p>
<p>In the case of a pension scheme, we are talking about a current £320m black hole, which has huge implications for every one of us. Not sure about you but I think that&#8217;s worth getting a full understanding about, because our politicians seem unwilling to confront it.  I&#8217;m not even sure that more than a handful of them actually understand the implications either, which is truly frightening.</p>
<p>It would be nice to hear what regular deputy posters like Dave Jones and Matt Fallaize have to say about it, and especially Gavin St Pier &#8211; all noticeably silent. Have they been gagged?</p>
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		<title>By: A.J.</title>
		<link>http://www.thisisguernsey.com/news/2012/12/24/failure-to-deliver-states-savings-could-trigger-danger-for-economy/#comment-220930</link>
		<dc:creator>A.J.</dc:creator>
		<pubDate>Mon, 31 Dec 2012 10:49:54 +0000</pubDate>
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		<description>Sorry mate, but you have to read &#039;all&#039; before you know what to &#039;ignore&#039;.Do you not understand precis? Happy new year to ALL.</description>
		<content:encoded><![CDATA[<p>Sorry mate, but you have to read &#8216;all&#8217; before you know what to &#8216;ignore&#8217;.Do you not understand precis? Happy new year to ALL.</p>
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		<title>By: GM</title>
		<link>http://www.thisisguernsey.com/news/2012/12/24/failure-to-deliver-states-savings-could-trigger-danger-for-economy/#comment-220725</link>
		<dc:creator>GM</dc:creator>
		<pubDate>Sun, 30 Dec 2012 15:04:14 +0000</pubDate>
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		<description>Spartacus

No - you mean all must be given the chance to be equally average.

If Finland is so great, there are regular flights from several UK airports.  I&#039;d take a coat though at this time of year!</description>
		<content:encoded><![CDATA[<p>Spartacus</p>
<p>No &#8211; you mean all must be given the chance to be equally average.</p>
<p>If Finland is so great, there are regular flights from several UK airports.  I&#8217;d take a coat though at this time of year!</p>
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		<title>By: GM</title>
		<link>http://www.thisisguernsey.com/news/2012/12/24/failure-to-deliver-states-savings-could-trigger-danger-for-economy/#comment-220724</link>
		<dc:creator>GM</dc:creator>
		<pubDate>Sun, 30 Dec 2012 15:01:54 +0000</pubDate>
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		<description>Watcher/Nemisis/AJ

And your own respective contributions to this blog is what exactly? I don&#039;t recall any of you posting significant.

Just ignore what you don&#039;t wish to read.</description>
		<content:encoded><![CDATA[<p>Watcher/Nemisis/AJ</p>
<p>And your own respective contributions to this blog is what exactly? I don&#8217;t recall any of you posting significant.</p>
<p>Just ignore what you don&#8217;t wish to read.</p>
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