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General election 2024

Entitled Tory whilst putting down labour voters

125 replies

Questionmeantchangingname · 26/05/2024 10:30

Name changed friend is on here. Recently spent time with friend from years back.

Staunch Tory. Doesn't want Labour in because doesn't want to pay for more 'scroungers on benefits '.

However, completely feels its ok for her mothers care home fees of almost £1000 per week to be paid by the taxpayer. (Property was popped in trust for her around 10 years ago so early inheritance to avoid potential fees later). Mum then lived there with her husband who still lives there.

Loaded and using taxpayer money to suit own ends. Double standards and feels it OK for care fees to be paid but not for families on benefits. Made me think much less of her. The entitled attitude that mum and dad paid in so free care a right (her mother never worked). The attitude that inheritance should be kept and not used for care.

Extremely scathing of low paid workers (should have worked harder at school and gone to University). She didn't, just married a man who was successful.

I'm shocked at her opinions and attitudes to others that are less well off and struggling.

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Questionmeantchangingname · 01/06/2024 21:37

Againname · 01/06/2024 14:20

I didn't read the thread before posting. Do you mean it's not a trust (*very expensive to setup, and as I said people with that level of wealth don't generally plan to rely on local authority care, as it's usually much poorer quality than privately funded care). It's not a trust but your friend has been left a share (half) of the parents house?

In that case, as she's not living there, wouldn't the house still have to be sold to pay for care? Proceeds of sale would see her half protected but the other half would be used to pay for care?

Or if her parent needs to move to a more accessible home, if they have mobility or other needs that make the current house unsuitable. It would need to be sold, and presumably she'd also be liable for half of the costs of sale (and possibly capital gains tax?).

  • Trusts in that scenario are usually very expensive to setup, but there's certain circumstances when it's a bit cheaper. If it's for a DC who's a minor (under 18) or a disabled adult dependent.
Edited

I think you misunderstood.

My friend is an only child, no siblings and no disabled children anywhere.

Her father died. His half of house put in trust for my friend. Mum lived in house owning half and quickly remarried. He moved in doesn't own home. Mother needed care moved into care home and local authority pay fees since husband needs someone to live. Hence fees are paid for her protecting mums asset from care costs.

None of this a problem.

Problem is friends comments about benefit scroungers whilst happily having mum in care funded by taxpayers. Friend won't pay for better care for mother even though care home isn't great since doesn't want to pay out, feels entitled to free care. So double standards about taking money from state.

Friend isn't married, no idea why people think that. Friend is wealthy. Cilla Black was wealthy but still had her mum in free care home. Some people never have enough money.

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Questionmeantchangingname · 01/06/2024 21:48

Againname · 01/06/2024 14:23

Also imo your friend is being selfish by not thinking of or caring about her parents. As I say, Local authority funded care is often much poorer quality than privately funded.

Also she's taking a risk. Shit Happens life events aren't impossible even for someone in in her current financially good position.

If she ever needs benefits (despite her current good financial circumstances, it's not an impossible scenario), won't she struggle to claim because she owns half of her parents house and that could be included as an asset?

She may think it won't happen to her but it could. She and or her husband could become unable to work through illness or disability, or could experience redundancy or some other Shit Happens event.

Does she have DC? If so, what if the marriage breaks down and he walks away and weasels out of paying child support? Also if the marriage breaks down, wouldn't her share of her parents house count as a marital asset?

She's not married. Divorced years ago and came out with very large settlement. Her child is grown up.

She's OK with mother in local authority care. It's poor care but 'she' doesn't want you pay. Yes selfish.its a strange attitude.

Highly unlikely to ever need benefits herself.

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Questionmeantchangingname · 01/06/2024 21:50

Againname · 01/06/2024 14:40

Your link to the solicitors mentions some of the issues I've raised. The pitfalls are why many people don't do it.

The wealthiest, those who have actual trusts, as opposed to leaving half the house to adult DC, generally also have separate arrangements for privately funded care (often care insurance, which isn't cheap). Like I said before, there are exceptions for minor DC or disabled adult dependents but that doesn't seem to be the case for your friend.

From your link:

If you transfer your home into someone else’s name and the sole intention is to avoid the payment of care home fees, the council will deem the transfer to be a “deliberate deprivation of asset

A transfer of property, in which you are living, to your children can be regarded by HMRC as a “gift with reservation of benefit”.

There can be other unforeseen consequences. For instance, should your child subsequently get into financial difficulty and be made bankrupt, this could result in the trustee in bankruptcy calling for your home to be sold.

In addition, if your home is transferred into a child’s name and then that child divorces, their share of the home may form part of their divorce settlement.

It wasn't to avoid care fees. It was on death of father, his half given to their only child.

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Questionmeantchangingname · 01/06/2024 21:51

EvelynBeatrice · 01/06/2024 21:27

£1000 a week! Jeez. Round here it's minimum 1500- 2200 a week.

It's a local authority care home. Actually not rated very highly

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Treaclewell · 02/06/2024 09:33

I wonder if an issue is that the self funded pay over the cost to cover the costs of the non self funded. I remember that issue coming up at the time of me friend's mother coming to me.

BIossomtoes · 02/06/2024 09:56

Treaclewell · 02/06/2024 09:33

I wonder if an issue is that the self funded pay over the cost to cover the costs of the non self funded. I remember that issue coming up at the time of me friend's mother coming to me.

It’s not an issue for me. It’s another reason for not trying to weasel out of self funding - why should I expect other people to fund me when I have enough money to fund myself?

Katypp · 02/06/2024 10:08

Although it is a thorny issue, I tend to agree with you on this one @BIossomtoes .
It's treating one section of society differently to another. It's fundamentally unfair that pensioners are permitted to keep their money while costing the state a fortune.
I suppose the conflict in me says but it's effectively health treatment, which the NHS should fund. I can see both sides of the argument.
Also there is a benefit to the economy of people receiving inheritances, which they will then spend.
As has been said many times, the basic problem is that people are being kept alive too long now.

Treaclewell · 02/06/2024 10:17

BIossomtoes · 02/06/2024 09:56

It’s not an issue for me. It’s another reason for not trying to weasel out of self funding - why should I expect other people to fund me when I have enough money to fund myself?

I've already covered myself for when I need it and have no intention of weaseling out of funding myself. But that is out of monies which have already paid tax, and will pay it again when I fetch it out of where it is stowed. Compulsory charitable donations to those supposedly funded from the taxes I will have already paid twice over is sneaky. And mean.

BIossomtoes · 02/06/2024 10:36

Treaclewell · 02/06/2024 10:17

I've already covered myself for when I need it and have no intention of weaseling out of funding myself. But that is out of monies which have already paid tax, and will pay it again when I fetch it out of where it is stowed. Compulsory charitable donations to those supposedly funded from the taxes I will have already paid twice over is sneaky. And mean.

Most of our money has never had tax paid on it. Our house has quadrupled in value since we bought it, that money has never been taxed and won’t be when the house is sold. Our investments have done very well over the years, again untaxed money which will remain untaxed under current tax rules as most of it’s in an ISA wrapper. I’m cool with unearned, untaxed money supporting people with none.

Againname · 02/06/2024 10:48

Thanks for clarifying @Questionmeantchangingname and I'm sorry for misunderstanding. I did that frowned upon thing of not reading the full thread!

I agree with you. Your friend sounds selfish. Local authority funded care is often much poorer than self funded. I understand when the adult DC is struggling financially themselves but it sounds like your friend isn't in that position and doesn't need the money, so you'd think she'd want her parent to have better care.

Agree with you too about her nasty comments about 'scroungers'. She's clearly been very privileged, and I don't mean just financially. Unplanned liife events happen including illness, redundancy, relationship breakdown, and one parent not paying child support. There are also many low waged jobs (that someone had to do because the jobs are necessary ones) and lots of people in those jobs need benefits as well as working because of housing unaffordability. People needing benefits due to life circumstances aren't scroungers.

The other issue is there aren't enough jobs.
916,000 job vacancies in the UK, but over 1 million people on jobseekers benefits.

User3456 · 02/06/2024 11:12

The whole social care situation needs sorting out. I don't mind people getting free care but do mind people looking down their nose at 'scroungers'. Anyone might need benefits at any time.

I'll just leave this here for the people who think Labour mismanage the economy. Note the increase 2008-2010 was due to a global financial crisis caused by the collapse of the sub prime market in America. And note how much national debt has increased under the Tories since then. We also have much poorer public services now too

Entitled Tory whilst putting down labour voters
Questionmeantchangingname · 03/06/2024 03:30

@Againname

Thank you 😊

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decionsdecisions62 · 03/06/2024 04:52

Time to get a new friend. I couldn't be friends with a Tory. I know for a fact my friends don't have those views and if I ever discovered they did then the friendship would end.

unsync · 03/06/2024 06:05

Self funding care home residents pay more in fees to subsidise LA funded residents. So not only do they pay for themselves, they pay for someone else too. That is clearly unfair.

Whilst this continues to be the case, I have no problem with people doing this. The residential care system and how it is funded needs a major overhaul. Everyone should be making provision for their old age and not expect the taxpayer or the wealthy to pay for them.

Treaclewell · 03/06/2024 06:09

But people whose employers don't pay enough, so they need topping up from benefits cannot make provision for their old age, can they? And the employers are definitely scrounging.

Bewareofthisonetoo · 03/06/2024 06:15

Meadowtrees · 26/05/2024 14:40

Labour voters seem convinced in their moral superiority, to the extent that they feel it’s okay to poor vitriol on people who think there is a better way of managing the economy. it’s a very unpleasant and naive approach. Like the op being ‘shocked’ that her friend would vote conservative, how ridiculous! Voting conservative is a totally normal, reasonable and acceptable thing to do, (one which an n majority of people have done since wwii) even if you yourself differ.

People vote conservative because they understand that without a strong economy it doesn’t matter what lovely ideas you have if you can’t pay for them!! It was Labour that introduced tuition fees (and will not doubt add vat onto them too) it was labour’s overspending and lack of prudence that lead to the need for cut backs under the tories in the first place. It was Labour who lead the scandal of pfi- which is a gargantuan problem! It was the Tories who introduced same sex marriage and the furlough scheme. Labour under Corbyn hold equal responsibility for Brexit - they didn’t fight to stay in the eu in any meaningful way.

personally I dislike Labour because I think they mismanage the economy and they don’t support ambition- they seem to positively dislike people who want to do well and despise successful institutions. They’d rather bring everything down to the same level in the name of ‘fairness’ than encourage growth. There’s a spitefulness too, a delight in punishing success.

This.
oh yes re the spite.

Katypp · 03/06/2024 07:34

It's the hypocrisy I really can't stand. The moral superiority when really they are all the same and the harping and criticising people for doing things they would absolutely do themselves if the situation arose.
I'll add this morning's news of the dodgy donation to Welsh Labour, which supporters will no doubt justify when a Tory donation of this type would no doubt have Rayner calling for resignations.
PFI, introduction of tuition fees, the start of the disastrous HS2 project are all things swept under the carpet which would be brought up time and time again if they were Tory policies but apparently they are OK because they are Labour.
Can you imagine Starmer's lockdown curry or Rayner's housing issues being dropped by Labour supporters because they had been cleared? Of course they wouldn't
Rayner would be calling for those resignations too.
And lastly, and the story that convinced me of the hypocrisy once and for all, the fact that Starmer was allowed to walk away from the fact that he was head of the DPP when the decision was made not to prosecute Jimmy Saville in a way he would never, ever have done if eg Sunak was in that situation.
It is absolutely true that Starmer was not involved at that level, but this has never have washed if a Tory had been in charge, and there would have been demands for enquiries and resignations.
Hypocrisy at its finest

Questionmeantchangingname · 03/06/2024 07:41

Bewareofthisonetoo · 03/06/2024 06:15

This.
oh yes re the spite.

I wasn't shocked she votes Conservative at all as I've repeatedly said. I was shocked at the double standards and comments.

There is no spite towards people who do well. You're both making things up now.

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BIossomtoes · 03/06/2024 07:41

unsync · 03/06/2024 06:05

Self funding care home residents pay more in fees to subsidise LA funded residents. So not only do they pay for themselves, they pay for someone else too. That is clearly unfair.

Whilst this continues to be the case, I have no problem with people doing this. The residential care system and how it is funded needs a major overhaul. Everyone should be making provision for their old age and not expect the taxpayer or the wealthy to pay for them.

So if you can’t beat them, join them? How incredibly small minded and mean spirited. How do you expect the care home workers on minimum wage to make provision for their old age?

BIossomtoes · 03/06/2024 07:49

https://www.theguardian.com/politics/article/2024/may/02/labour-concern-donations-vaughan-gething-campaign-wales

I'll add this morning's news of the dodgy donation to Welsh Labour, which supporters will no doubt justify when a Tory donation of this type would no doubt have Rayner calling for resignations.

It’s come under a lot of criticism from Welsh Labour politicians.

Labour concern grows over donations to Vaughan Gething’s campaign in Wales

Welsh first minister urged to pay back £200,000 to firm whose owner was convicted of environmental crimes

https://www.theguardian.com/politics/article/2024/may/02/labour-concern-donations-vaughan-gething-campaign-wales

unsync · 03/06/2024 08:14

Treaclewell · 03/06/2024 06:09

But people whose employers don't pay enough, so they need topping up from benefits cannot make provision for their old age, can they? And the employers are definitely scrounging.

Like I said, major overhaul needed. Don't blame employers all the time, that's such a cop out. Do better. Improve yourself, increase your earning potential, be self reliant. And no, not all employers are scrounging. Have you any idea of the effort involved to run a company? If you work for a shitty employer, move.

BloodyHellKenAgain · 03/06/2024 08:40

As a floating voter the (self perceived) moral superiority of many in Labour and their supporters is one of the most off putting thing about them.

I want to see sensible policies not 'don't vote for them, they're meanies' nonsense.

Katypp · 03/06/2024 08:48

100%

Freud2 · 03/06/2024 12:56

100% right.

Treaclewell · 03/06/2024 14:43

unsync · 03/06/2024 08:14

Like I said, major overhaul needed. Don't blame employers all the time, that's such a cop out. Do better. Improve yourself, increase your earning potential, be self reliant. And no, not all employers are scrounging. Have you any idea of the effort involved to run a company? If you work for a shitty employer, move.

Not everyone has the genetic resources to drag themselves up by their bootstraps as you seem to think. Half of any population have below average reading ability, half, not necessarily the same half, have difficulty with numbers. These things hold them back. If employers do not pay them enough to live on, what are they to do? If the business plan depends on paying people peanuts, it needs looking at.

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