Monday, March 15, 2021

My farm life story continues.

WELCOME TO MENFRANCO GENERAL BLOG. Today we will post again blogs about our life experience, from my personal writings, an old man life story. We will come back to talk general news when something important happens. 
Anyhow, allow we to post some of my favorite links and other blogs:

https://sites.google.com/site/prayersofreconciliation/,https://sites.google.com/site/godintheuniverse/,
https://sites.google.com/site/menfrancoreconciliation/www.catholic.org/,www.catholic.org.au/www.catholic.org/bible/www.adherents.com/Religions_By_Adherents.html,

http://diybrickwork.com, http://manneedsgod.co.ukhttp://frankmenchise.com 


Above is the photo of a large farm building. I believe that in farms this big life must be a lot better that living in a small farm, like the one we had to live in. So, if in my story I am lamenting, you can guess the reasons.

My farm life continues

My farm life story continues  

Welcome to blog article, my farm life continues  

Dear readers, in one of my last articles I was telling you, how I have felt during my life, when I was living in the farm; I wrote an entire article to explain my personal negative situation, with the intention of turning those negative events of my life into a positive way of thinking; I believe that because I have done that I feel better now, and I hope that one day I can ignore that painful part of my life.

Now that I have done that, let me tell you about my farm life when I was young, in a different way. Therefore, now let me review what I have done during my life, starting from my first job in the farm.  Anyhow, I am writing my life story, in a language that is not my native language, which happen to be Italian, but I am writing my life story in the English language, which I had to learn as a grown up, because I migrated to Australia.

Anyhow, I feel that I am one of the few people left in the world that is willing to tell you the story of my life. I want to tell you how the world was when I was young, and what we did, so that a record can be kept even if it is going to be a simple record of my life, and some of the things that I experienced then. What I want to say is that everything is changing these days, but people don’t take the time to record those changes that occur, for this reason the old ways of life will soon be lost forever, because nobody is writing about it. But I believe that it is good to know how we used to live in the past, perhaps to compare the past with the present ways of living. Speaking for myself, I can easily compare the ways of life that I have lived, to the ways of life that my forbears were telling me about themselves, and then to the ways of life that we are living today.

Here I must say that the way of life is changing more quickly all the time, hopefully for better times to come. Anyhow, I believe that overall our standard of life is improving, as I have pointed out in our article called, Farming today compared to the old way, where we are trying to show you the great difference, how we lived then, and how hard it was to earn a living, compared to today ways of living, it is worth reading it if you want to understand the great difference, between today farming and the past.

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Yes, this is a mall flock of sheep, very much alike my flock, if you add a ram and a couple of goats. 

My first job on the farm 

Dear readers, I started to work in the farm at the tender age of eleven. But do not feel sorry for me for having lived my early life in the farm, because in those times it was the normal way of life that farming people used to live; anyhow, I was working in our family farm and not in a stranger farm, where people can be mean to you, so, it was not as bad as it sounds. For comparison sake I want to point out that even today there are people that are worse off than I was then; you see, in the poor countries even today they not only start to work early in life, with a boss that pushes them to do more; but they also go hungry and thirsty. 

When I went to work in our small family farm in Southern Italy, I was going to turn eleven that year and the first job that I did was looking after a small flock of sheep, which included also a ram and a couple of goats; I had to do that job because the lad that my family had hired to look after the sheep left us suddenly, so, I had to replace him for a few months until we were able to sell the small flock of sheep. It was a boring job to take the sheep out of the sheep-pen and into the fields to graze twice a day, I had to mind them that they would not graze in fields that didn’t belong to us, or fields which there was a crop still growing, I had to water them by driving them to a small creek also. I had to take them out early in the morning and then in the afternoon for a few hours each time, because this is how the sheep are grazed over there in summer times. Then when the town’s Fair was held we sold our small herd of sheep, we had to sell them because it would cost us more to hire a youth to look after them, than what we could earn from keeping them. Anyhow even though we sold our sheep I had to continue to stay in the farm to look after other farm animals.

Now to tell you what we did in the farms of those days, so, you can have a better idea, what sort of life I had to live in the farm when I was young. So, let me tell you about a day in wintertime, when all the main works of sowing had been done, and we were resting and waiting for better weather and longer days. 

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Winter days in the farm

This is how life was in the farms of Southern Italy in the early fifties; in the morning we would get up early before dawn, as the days are short in winter, they are about 8 to 9 hours of sun light; so, as soon as we got up we start doing our chores, we would start by feeding the horses and other farms animals, and at the same time we had to clean the stables, virtually we collected all the manure that the horses and the other stable animals had made during the night, we loaded it on a strange devise like a field stretcher made of timber and wire, and then two of us would lift it and carry it to the manure heap, which was outside about 20 meters or so away from the building, at the same time we would be grooming the horses with a hand brush, and at the same time we would continue to feed the horses and other farm animals, such as cows, pigs, chickens, and other animals with fresh serving of straw, oats, hay, grain, and whatever else was needed according to the animal’s needs, and sometimes according to the tusks that those animals were supposed to do during the day, because if the horses were going to do some work, we would give them more oats than normally did, when they would be staying in the stable the entire day.

Once we had finished grooming the horses and cleaning all manure from the stable, the chicken coop, the pig stay, sweep the floors and everywhere else; then one of us would go to the well with a couple of buckets or other containers, so, we could bring some clean fresh water for the small animals to drink, and also for ourselves to drink and to wash our hands and face, and everyday even if it was very cold we used to wash our hands and face outside the building: at any other time, when we got our hands dirty, we had to find a way how to clean ourselves with anything available around us; I know that for anybody that is used to tap water sounds terrible, but it was not that bad because in winter time there are several small creeks around the fields, where you could wash your hands.

Anyhow, by the time we had done all these chores, it would be time for the horse and the cows to be taken to the well to water them, (the horses and other large animals were watered only twice a day in wintertime) here, we had to stand on the well head to draw water with a bucket attached to a rope, we had to let the bucket down the well, and then with a flick of the rope we would make the bucket turn upside-down to fill itself, and then we pulled the bucket up the well and empty it into the trough; we had to draw as many buckets of water as they were needed until all the animals would stop drinking. Today when I think about it, it was a hard and dangerous job for a youth of my age, but because it was normal to do it, we never thought that it was dangerous.

After we had done all those chores, it was time to eat something, so, we would sit down on some wooden stools that most time we had made ourselves in our spare time. Breakfast was usually brought in from town, from one of us or one of our neighbors, there was always somebody on horseback that would go to town the evening before, and then bring prepared food in the morning. Breakfast would usually consist of a few fried dry capsicums and a few olives, and at the best one or two small pieces of sausage, or something similar which my mother would have fried in the early hours of that morning, and then placed it in a saucepan with a few drops of fried oil at the bottom, we set around a larger wooden stool which acted like a table, and with a slice of bread in one hand and a fork or knife in the other hand, we would eat our small share of breakfast from the saucepan with as much bread as possible, as there was plenty of bread of very good nutritional quality, but not much of anything else. At lunch or dinner time we would have something similar to eat, as we did at breakfast, and in the evenings, we had to do our own cooking, so, I am going to describe here how we used to prepare a warm quick and simple meal, by using stale bread.

How to prepare cooked bread

How we prepared a quick meal called (panecotto) cooked bread

This can sound strange to you, that we prepared a meal of cooked bread, but in the farms we did; it was called with the Italian farmer’s name “panecotto” anyhow, let us talk about this quick meal called panecotto that we used to prepare in the farms most days.

We know that when it is cold, we need to eat at least one good warm filling meal every day, to stay healthy and strong, especially if we have worked during the day, so, in the evening we had a large warm meal that we had to cook ourselves, sometimes we would cook pasta which could be bought from the shop or homemade pasta, but usually we made a quick meal called ‘panecotto’ which was easy to prepare, because it is just cooked bread.  

To prepare this ‘panecotto’ all that was needed was a fire, which we had going in the farm chimney, or we would light one easily to keep us warm and to cook, you see in the farms to light a fire is very easy, because there is so much dry straws around in the mangers of the horse or other farm animals; so, all we had to do is grab a bundle of this straws put it in the chimney and light it with a match, then we could add wood to it and you have a fire going. Anyhow, to cook this meal called ’panecotto’ we had to make this fire more lively to boil some water, sometimes we would add to this boiling water some vegetable, since they were available in the farm, or some slices of potatoes, since we would grow our own in the farm, at least for our own family needs; then when these vegetables or potatoes were nearly cooked, we would throw in this boiling water as many slice of durum wheat bread as required, and in a minute or so we would drain the water out of the saucepan; now let me tell you, this sort of panecotto works well if you use bread made from durum wheat, because the durum wheat is like the past, you see the best pasta is made from durum wheat, anyhow, over there in those times we did not need to look for durum wheat bread, because all the bread that we were eating in the farm was made from durum wheat; anyhow, once we had this durum wheat bread in the saucepan on a lively fire, in a minute or so we would drain all the water out of the saucepan, at the same time while we were cooking the bread, we would fry a small amount of olive oil in a fry-pan with garlic and pepper or tomatoes and when this was ready we would pour it on the cooked drained bread, or cooked bread and vegetable and that was all that was required, at this stage the ‘panecotto’ would be ready to be eaten, usually from a large plate and sometimes even from the saucepan itself, depending on how well we were organized in the farm, and how many people had to eat this meal.

Some farm work in winter time

Anyhow, now let me go back in the morning, after we had breakfast, weather permitting we did some minor jobs outside, like hoeing in the kitchen garden, which was about half an acre of land, or working in the vineyard, or going out to cut and collect firewood for ourselves, and for our families in town, since they depended on us for their wood supply, in order to cook their meals including our meals and keep themselves warm, because in the town in those times there was nothing to burn, it all had to come from the country, so, we had to supply the wood to them to keep warm and prepare meals for themselves and us. It worked out all right both ways; anyhow let me go back to tell the farm work that we did.

During the day we would feed the animals every now and then and bring in the stable new straw and hay for the following night. This is how life in the farm was in winter times, when the days were short and the weather was cold and wet.

But when the days became longer and the weather was fine, there was work to be done in the fields even if it was winter. We would have to get up earlier then, to feed the horses and get them ready for the tasks that they had to do: it could be that we had to Plough  a field or something similar, but to do that we had to harness the horses and attach them with their harnesses to the appropriate devices; all this had to be done early in the morning even if it was very cold, so that some work could be done during the short winter days in the fields. We had to start early also for safety reasons, you see, we wanted to be back to the farm house well before sunset, it was safer that way. 

Apart what I have said above, there were also other chores which had to be done in the farm in wintertime, like pruning and hoeing the vineyard, planting trees, pruning fruit and olives trees, cutting and collecting wood, and other small jobs, so, everyday there was always plenty to do.

But even though in wintertime we were busy in the farm, wintertime was very dreadful and sad especially for young people, because we were more isolated than at any other time of the year, so, we were happy to see springtime coming. In our next article we will talk about, springtime in the farms and what happens there. 

See you soon.

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Friday, February 19, 2021

WORLD NEWS AND ITALIAN POLITICS, FEB. 2021

WELCOME TO MENFRANCO GENERAL BLOG. Today we will be posting posts that talk about Australian issues, Italian issues, USA and world political issues, and other things. 


These days Italy has many problems, not only they have been hit harder from the corona virus than other countries, now they have political problems to solve. But let us look at today news.  

Welcome to our blog, World news and the Italian politics, Feb. 21. 

Dear readers, this time we are writing only a short blog, because we want to continue our diary, and check out a few things that we have written about in our last blog. You see, in our last blog we have written about three main things: We wrote about the COVID19, so, we want to check out its progress; we wrote about the American presidents and their arguments, and we wrote about that the Italian prime minister Giuseppe Conte that has resigned and they are now trying to form another government, with Conte as prime minister, or with somebody else.

Anyhow, what we can tell you today is that the COVID19 continues, in the USA last fortnight has gone up considerable; from 26,300,000 positive and 445,000 deaths to 29,000,000 and 500,000 deaths. Anyhow, it goes up and down in different places, but the other countries that need mentioning here is the U K with 118,000 deaths and Italy with over 94,000 deaths. As I have said, it goes up and down in different places, even though they have started vaccinating everywhere; and this is all we want to say about the corona virus pandemic. 

The new President Joe Biden is a lot quieter than President Trump, but he seems to know what he is doing, so far. 

Now, about the American presidents, they have changed in the middle of so much fuss. And just as I was saying, the democratic wanted President Donald Trump impeached, but they have failed, so, Trump is no longer being impeached, and other things are slowly going down. Anyhow, let us hope that Joe Biden has enough energy to run America the right way, since this influences the rest of the world. Now let us look at the Italian government crisis.

 

Forming a new government in Italy.

Today I have started writing this article, it is the 16th of February 2021. Now after the failure of the Italian parliament to form a new government for a second time under Giuseppe Conte leadership as prime minister is lost. The Italian president Sergio Mattarella, appointed Mario Draghi as a possible new prime minister. So, Mario Draghi has consulted with the other political leaders, and has been able to find enough followers to form a new Government; so, a new government is being sworn in soon.  

Anyhow, I have noted that in politics everything can change quickly. But who is going to be this this new prime minister Mario Draghi? From what they say, he seems to be a well-known person throughout the world, so, there are high expectations. 

For what I know, Mario Draghi is a top economist, and perhaps this is what Italy needs. But is that going to be enough to solve most of the problems that they are facing in Italy today, this nobody knows. 

The new prime minister of Italy, Mario Draghi, he is a very clever man, let us hope that he can lead Italy well. 

Anyhow, the new government has been sworn in, now they are voting to check if there is enough support for this new government, then they can start debating what needs to be done.

The new prime minister Mario Draghi has pointed out what he wants to do, so new laws need to be discussed and approved, but that is happening in the future. Meanwhile we must wait and see.

  

WHEN SHOCKING NEWS HITS YOU.

When you think what else can go wrong in the world today? Suddenly something else hits you hard, and you know that there are many more problems in the world.

Today the 23rd of February 2021, I was watching the Italian news hoping that they had progressed politically to a better stage, since, they have a new government with Mario Draghi as prime minister. So, they could look at how to finance whatever needs to be financed in Italy, to get Italy working again, and to control the corona virus. Instead, what hit me is this shocking news about the Italian ambassador and an Italian carabiniere (police guard) killed in the republic of Congo. Today is seems to me that there is always bad news around the corner, and while you hope for the best, something else hits you hard.

Anyhow, now we must wait and see to know what really happened over there.      

Anyhow, this is all what I know today, I may continue this blog or diary if I think it is necessary, or I will start another one later.  

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This is, Menfranco general blog 

World news and Italian politics, Feb. 2021

IS TO BE CONTINUED;
Next time with; I do not know yet. 
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Other links from same author

http://manneedsgod.co.uk

http://frankmenchise.com

http://diybrickwork.com 

http://menfranconewworldorder.yolasite.com

https://sites.google.com/site/menfrancoreconciliation/

https://sites.google.com/site/prayersofreconciliation/

https://sites.google.com/site/godintheuniverse/  


Thursday, February 11, 2021

World News and my Views, January 2021

WELCOME TO MENFRANCO GENERAL BLOG. Today we will start posting a few posts about Australia, we will start with the drought issue that is affecting the farmers, and continue with other issues that affects the Australian public, and other world issues. 


In the world happen many things that we want to talk about and remember, so, we are forced to chose a few that seem more important to remember. This is just what I am doing today. 

Welcome to our article,  World News and my Views, January 2021  

Dear readers, I have been writing a few articles about Australia, where I wanted to  highlight the facts that the social security could be better, if it is organized better. But today there are other news in the world, that I would like to write in my diary to keep my own record. Today there are 2 important things that continue to be on the news all the time, one is the COVID19, the other one is the political scene in America and Italy. But fist let us compare the COCID19, since I have written about this somewhere else recently, where we made a list of what was happening.

So, let us write a list like we did last time, to compare it with:

Anyhow, I can say that today is the 31st of January 2021. About the corona virus, I believe that Australia is doing better than the rest of the world. In fact, not much has happened since last time, but let us note the difference.

Today the 31st of January 2021, Australia has had, 28,806 cases positive and 909 deaths so far. If we compare this with last time it is only 500 more cases positive and one death. 

Anyhow, yesterday there was this Australia day celebration, and a lot of people came together, let us hope that this event does not spread the COVID9 pandemic. Now, at this Australia day celebration, not everybody was celebrating, because the native aborigines were protesting, letting us know that this for them is invasion day, and they are not happy about it. So, this is another problem that the Australian people and the politicians need to solve. But let us go back to talk about the COVID19 in the world.     

It seems to me that the rest of the world, is still having trouble containing the COVID19 virus, as you can see from the following list.

The entire world has over, 102,500,000 confirmed positive, that is more than 20,000,000 people in a month, the death toll stands at 2,214,000 and growing. Now let us break it down a bit.

USA; 26,300,000 case positive and 445,000 deaths, compared to last month list of, 19,300,000 positive cases, is has increased by 7,000,000 case positive and 108,000 deaths compared to last time 337,000 deaths.

India; 10,790,000 positive and 154,000 deaths. But I must assume that there is something wrong here, because for the last few days their toll does not change. So, they may have stopped counting.  

Brazil; 9,100,000 positive cases and 224,000 deaths, compared with 7,500,000 positive cases and 191,000 deaths.

Mexico 1,840,000 positive cases and 156,000 deaths, compared with 1,377,000 positive cases and 122,000 deaths, a moth ago.  

These are the 4 countries with most deaths.

Followed by the United Kingdom With 3,800,000 positive cases and over 106,000 deaths and growing fast.

And then Italy with, 2,500,000 positive cases and 88,500 deaths, and growing about 500 deaths every day. 

Anyhow, the vaccines have been made, and they have started vaccinating people. We all hope for a good outcome, because there seems to be a few problems there, there are a few reactions from the vaccine, and it is going to take a long time to vaccinate the entire world population. So, we must wait and see what will happen. Meanwhile let us look at political world news. Like what has been happening in USA, and then, what is happening in Italy today. 

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The old and new American presidents


President Donald Trump has been a colorful president, every time he came on the news you could aspect something new, he liked to show off, so, while it is not what we aspect from a president, he was entertaining to watch. But that is over now.

The new president Joe Biden is completely different, he is more serious and has not got that energy that President Trump had, but he seems to know what he is doing, so, everything may turn out okay.

TALKING ABOUT THE USA PRESIDENTS

The world of politics is strange to say the least. Last time, when I wrote my diary here, we were worried that the outgoing President Donald Trump, was going to make troubles, before he would leave the White House, anyhow, he made it hard to a certain point, but then he left peacefully, even if his actions were strange, because he just left the White House before the new president was sworn in, he went anyhow. Now, we are all waiting what will be his next move, or what the democrats will do to impeach him, most likely nothing will happen.

But what is the difference between Joe Biden and Donald Trump political beliefs, and if their policies are good or bad for America and the entire world, because whatever America does, affects the entire world, at least the western world anyhow. So, let us look at what I believe their policies are, or in the case of Donald Trump were.

Now what I am saying here is my personal view, so, I might be wrong, but anyhow let me tell you, How I see this situation. Four year ago, when Donald Trump became the president, I believe that America needed a president like him. You see, he wanted to make America great again, he wanted to stop the refugees come to America by thousands, and that is what America needed then. So, Donald Trump was the right man for the Job. Anyhow he did most of what he wanted to do, but that was not enough to convince the people to let him have another go. In a way I like Donald Trump and his earlier policies, what I did not like is when he tried to ignore the corona virus pandemic, and I believe that this is the reason why he lost the elections, and he deserved to lose for that reason.

Anyhow, today things are changing, and again it seems to me that America has chosen the right man for the present time but will President Joe Biden rum himself in trouble later we do not know, we must wait and see. This is how I see the American situation today. Anyhow, we may say that the right man comes on the scene at the right time, and when that time is gone, they disappear.

The world of politics is strange, it goes up and down, sometimes for the right reasons, at other times it just happens. Today I am wondering how far Joe Biden is going to move away from Trump politics. I believe that every president has his good and bad sides, so, if Joe Biden thinks that everything President Trump has done is wrong, he is making a great mistake, because the reason Trump won last time was that the previous government was making mistakes too.

It would be wise to be more moderate and try to balance everything the best way you can. The weakest point of the democratic party is that they want to set everybody free, and they hope that everybody does the right thing by themselves. But most people need leadership, because without leadership the poor and less educated people become selfish, when they do, they want to rob the richer people that through their hard work have got something. So, a set of rules need to exist, and a set of law keeper need to be well organized, something that the democrats hate to do. Anyhow, that is just a way that I see them failing.

Now, let me talk about the Italian politics.  

ITALIAN PRIME MINISTER GIUSEPPE CONTE 

The unsolvable Italian political scene.

In Italy suddenly, the prime minister Giuseppe Conte resigned, because he did not have enough support to pass laws that were needed, to keep the country going. So, today they are trying to form a new government, ether with Giuseppe Conte again as prime minister or somebody else. In Italy there are many political parties and so many leaders, and when there is a large enough party, a group in this party is not satisfied with the rest of the party and they split. When one of these groups splits, if they were forming part of the government, the government may become a minority government and is unstable, just like what has happened now.

You see, a former prime minister, Matteo Renzi has split from the DP and formed his own party, then he has withdrawn his support to the present government, so, the government cannot continue, they need to pass new laws and it cannot be done.

Anyhow, today the 30th of January 2021, the Italian President Mattarella has said to the leader of the parliament Roberto Fico to call the party leaders and see if they can come up with an agreement how to form a new majority government. Which will be most likely with Giuseppe Conte as prime minister. So, we are all waiting what will happen.

So, I have been waiting for a better result, and that everything would be resolved, with Giuseppe Conte as prime minister again. But looks like that Matteo Renzi, did not like it and has made it hard for everybody, so, after consultations President Mattarella has called on Mario Draghi to see if he can find enough support if a different government can be formed, which form of government they can form I do not know, but they are trying. If they cannot form government soon, they have to go back to vote an early election.

Anyhow, I believe that this is going to take a while, and this article is already long enough, so, I am going to publish it the way it is. we will write something else when they have sorted these political problems.

See you soon.   

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This is, Menfranco general blog 

World news and my views, January 2021

IS TO BE CONTINUED;
Next time with; I do not know yet. 
------------------------------------ 

Other links from same author

http://manneedsgod.co.uk

http://frankmenchise.com

http://diybrickwork.com 

http://menfranconewworldorder.yolasite.com

https://sites.google.com/site/menfrancoreconciliation/

https://sites.google.com/site/prayersofreconciliation/

https://sites.google.com/site/godintheuniverse/  

Friday, January 29, 2021

The Australian Social Security Must be equal

WELCOME TO MENFRANCO GENERAL BLOG. Today we will start posting a few posts about Australia, we will start with the drought issue that is affecting the farmers, and continue with other issues that affects the Australian public, and other world issues. 


People go to the Centrelink office, where they can apply for their pension, or their unemployment benefit, which the people can receive from the government. In our article here we want to point out that there are some anomalies and people suffer.

Here we are looking for a better security system

Welcome to our article, The Australian Social Security Must Be Equal 

We are looking for a better social security system, where everybody gets a minimum payment, which is equal to the minimum pension or unemployment benefit.

Dear readers, we believe that the Australian Social Security System must be equal for everybody, but it is not, as we have said in our previous articles, which had something to do with the Australian social security system, starting with, Farming Today Is Still a Risky Business, then, Australian Social Security, then, The Australian Parties, then, Australia can do better than this, and then, The Assets Test Dilemma, now in these articles we were talking about how the Australian Social Security System works and helps people. So, we have found that the Australian social security system, is good but not perfect, since some people cannot receive it for one reason or another; therefore, the social security system needs to be changed, to fix these unforeseen failures to help. Australia cannot claim to have a good social security system, when it fails to deliver help to those that need help.

Having said that, now we need to study the situation and try to come up with an answer for this social problem, because, the Australian Social Security system, must be equal for everybody. We believe that everybody in the community must be given a minimum of help, when they need help. So, we are going to suggest our views, hoping that somebody important reads them and does something about it.

Now, what we want to write here is not going to be popular, because it criticizes the existing social security system, since it says that it is not good enough, they need to avoid what is happening to the farmers, so, they must put in place a better system, where people in need are helped. So, let us imagine and talk about a social security system that can guaranty that.

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Talking about the ideal social security setup

What we are writing hereunder is an idealistic way for the social security system to adapt, if they can. I said if they can, because it is unlikely that this system can be approved now, because Australia cannot afford it today, however, it is important that something like this exists. We hope that future politicians, start working on this idealistic social security system that we are talking about.

We believe that all legal citizen that are unemployed or don’t have any income, must be granted from the government an amount of money that is at least equal to the minimum government unemployment benefit or pension, it would be like receiving a small wage from the government. Now, we believe that this is what is needed in Australia, and we believe that one day can be done, if we are organised to achieve that, after all Australia is a rich country, so, we should be able to do that. I know that it is going to cost a lot more than we can afford, but if it is well planned, it can be done. Now let us see how this will affect the community and which group of people will benefit from this change.

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The people that can benefit from the change.

The people that will benefit from this change, are those people that today don’t receive any payment from the government, and those people that don’t receive enough, so, they are forced to live below the poor threshold. In this case the poor threshold is set, as equal to the minimum government pension that today is about, $900 per fortnight for a single person, or $700 each for a couple. This is the minimum of money that people need to live, and we believe that it must be equal for everyone.

As things stand today, there are people that must live with less than the minimum government pension, because of the anomalies in the system. One of those anomalies is caused from the assets test, where the pensioners receive a smaller pension, the rest of their earnings is supposed to come from their assets, which are supposed to earn about 7.8 %; but most of the rental properties, can only earn about 2.5 to 3%, as we have shown you in our previous article, The Assets Test Dilemma, where a house valued at $650,000 did only make $8500 in a year, which is about 1.3%. So, we believe that the assets test on rental properties must be set according to what they can earn, if the government believes that we need mum and dads to invest in rental properties and keep the Australian real estate market the way it is today.

You see, today people believe to invest in rental properties and it is the way to go; but soon they will become aware that to own a second house, can be a problem when they apply to receive their pension, because the assets test will reduce their pension more than what they can earn from their assets; once the people know that they cannot make any money from rental properties, when they become pensioners, they will stop investing in rental properties.

My views are that the assets test on rental properties, must be set at a level, where it is possible for the owners, to earn at least as much as they loose from the pension. Now my views are that the assets test on rental properties should be one third of what they are now, so that the pensioners will lose one dollar per thousand, instead of three dollars per thousand. But even this might not be enough, you see if you have a property valued at one million dollars, you cannot receive any pension. The question here is; will this property earn the owner about $24,000 per year net. I don’t think so. Anyhow, these are our views.

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The property owners’ other problems

As we have seen in this article and our previous articles, to own a rental property is a problem and not a benefit, because people lose their pension or unemployment benefits, so, to own a second property is not the way we should plan for better retirement, since the assets test reduces the pension payments to more than what you can earn from your properties.

But there are more negative things in owning a rental property, the worst of all is the land-tax. The land-tax in Queensland is $1.7 per thousand, this means that if you have land valued it one million dollars, every year you must pay $17,000 to the government just because you own this land. They don’t give you anything at all, you just must pay, because they need the money.

Some people still believe in owning properties, because their price go up all the time, so, they think that they are better off having properties, you see, they don’t realize that there is this gain tax that will take away all their earnings and more, let me give you this example.

You own a rental house that you have bought several years ago for $250,000, which was the right market price, today you must sell the rental house, because you need to move to another town, where houses are about the same value, so, you think that it will be easy; you sell the house for $650,000 and you buy another one about the same price. But that is not going to happen, because the $400,000 dollars that you have gained is taxable. This is called the gain tax, which may well be around $100,000, it is hard to be more specific. So, in this case you may lose $100,000 dollars because of the gain tax.

The figures in this article, might not be correct, but they are close enough to what they are supposed to be for showing our views.

This is all I can say today; this setup is not fair for anybody that owns properties, because those properties in the assets test, cannot earn half the money that they will receive from the government pensions or other benefits, if they had no properties. So, for them it would have been better to have no properties; since the assets test affects the pension and other benefit adversely, starting from the farmers, as we have said in, Farming Today Is Still a Risky Business.

So, people are discouraged to own properties and to save for rainy day, because there is no benefit to own them, since they are going to lose and not to gain. Here we are asking for a chance that the scale in the assets test for properties, be set in a way that gives the property owners a chance to earn at least as much money as they lose, from the government benefit. It is not fair that people lose money because they have worked hard and saved money.

Now we are talking about money, so, if you have money instead of a property, today you are not better off, because the interest that you can receive from the bank, is not equal to the money you lose from your pension. 

Anyhow, this is all what I can think about today. I believe that at least I have pointed out what in my views needs adjustment. Because we believe that, the Australian social security system must be equal for everybody.

I hope that somebody in the government reads my articles, and then thinks what can be done to make them fair for those people that have worked hard. We would have liked to continue to talk about Social Security, but today there are other maters that we need to talk about, because we need to talk about what is happening in the world today. 

See you in next article. 

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This is, Menfranco general blog 

The Australian social security must be equal

IS TO BE CONTINUED;
Next time with; 
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Other links from same author

http://manneedsgod.co.uk

http://frankmenchise.com

http://diybrickwork.com 

http://menfranconewworldorder.yolasite.com

https://sites.google.com/site/menfrancoreconciliation/

https://sites.google.com/site/prayersofreconciliation/

https://sites.google.com/site/godintheuniverse/  

See you soon.


Friday, January 22, 2021

The Assets Test Problem

WELCOME TO MENFRANCO GENERAL BLOG. Today we will start posting a few posts about Australia, we will start with the drought issue that is affecting the farmers, and continue with other issues that affects the Australian public, and other world issues. 


As you can see, we have reached the stage. where we want to talk about the government set up, to help the people who need help, but people are not treated the same, if you own a property you may not receive help, as we have already mentioned in our previous blogs.   

The Assets Test Problem

Welcome to our article,  The Assets Test Dilemma

Dear readers, we started to write these articles about what is happening in Australia, when we saw that the farmers were having problems to survive, because of the drought, so, we thought that the Australian government should help. But they cannot help the farmers, because they own properties and the assets test exclude them from government help; it is like other property owners that are excluded also. So, here we are going to write, how the assets test affects property owners. 

I believe that we have suggested that the farmers and the government, need to make something like a collective farming association, where all the farmers can pool a percentage of their farming products and money, which should be tax free from the government, then this pool can be used to help each other when they need help.

We hope that somebody high up reads our suggestion and then do something about it, we hope they do. We also noted that the farmers cannot ask help from the government, because they are self employed and because they have properties, so, their property are assets that stops them from receiving help from the government.

The assets test is a real problem, because it is hard to know, at what level is the right level to apply it, but that is only part of the farmers problem, because also they cannot ask any government assistance since they are self-employed. But when one cannot make money for a long time, and here in the case of the farmers we are talking about years, I think that it would be fair to help them. But the farmers are not the only people that are affected from these government rules of the assets test, because there are other groups of people that are affected adversely as well.      

Anyhow, today in this article, beside talking about the farmers, we are going to talk about the assets test, and how it affects rental property owners in a more detailed way than we have done before. 

Because the assets test punishes rental properties owners

The assets test is a problem for the pensioners that receive a government pension, because it does not consider, if it is possible to earn the same amount of money that will be cut off the pension. Because if they get a government pension, the pension will be cut off so drastically that they would have been better off, if they didn’t have the house at all. I believe that the assets test on rental properties, is set three time as much as it should be, so, something needs to be done.  

I believe that whoever makes these budget and laws, must keep in mind that he should give these properties owner a fair go, if he wants to keep the Australian economy going the best way possible,. 

The aim is to achieve the most benefit for the country, I believe that to achieve you need people that are self-starter and work hard, like the small property owners that have worked hard during their lives and have paid their taxes on what they have earned. They saved some money and invested it on a second house, hoping that when they would retire they could be better off financially, but it did not work the way they wanted, because of the unfair assets test changes that the Australian government has made recently. You see, these self-starter people need to believe that if they work hard, they will be better off in the future. I could say more here, but you can find that here, The Assets Test Dilemma,

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The assets test punishes small property owners

The assets test discriminate and punishes financially the small property owners. So, let us write this example

Mr Don Smith and his wife are both on government pensions, but today they don’t get much pension, because of the assets test. The Smith couple thinks that, who made these laws are cruel people, because the assets test discriminates against them, since it is not possible to live on the money that they can earn from the property. So, let us see how it works. One of the problems exist because of the deeming setup, where the government calculate that people can earn $3.00 per fortnight per every thousand dollars you have in the bank, or anywhere else including properties. In fact, owning properties is the worst thing you can have, because it affects the owners in a disadvantaged way, like the Smiths that we are talking about here

The house they rent is valued at $650,000, plus a few more belongings their assets test are nearly 800,000 dollars so, they only get about $100 per fortnight each, because of the assets test.

Now, if they didn’t have their rental property, they would get the full pension, which would have been, $690 each per fortnight each.

Now, let us try to calculate how much the Smiths can earn from their rental property in Brisbane. This property is an old three-bedroom house, on a large block of land that is valued at $550,000, this house is rented at $450.00 PW, so, if they are lucky and the house is rented the entire year, they would collect $23400.00 this is before expenses.

Now, what are the average expenses for this house; The Brisbane City Council rates are $600.00 per quarter; the Urban Utilities average $450.00 per quarter; this will come to $4200.00 per year; the insurance is $1200.00 per year, the land tax (this may vary, but let us say that they have to pay it fully in this example) so, the tax is $6550.00; maintenance can vary, but let us say $1500.00, then there is the fee for the real estate agent say $1500.00 per year.

Let us add this numbers up. So, $4200 to Brisbane city Council rates and water +1200 insurance+6550 Queensland government land tax +1500 maintenance+ 1500 to real estate agent letting fee, it = $14,950

Calculate total net earnings for the year, is $23400 income-14950 expenses=8450

The Smiths have made $8450 net in one year. Do you think they can live on that? Here some people may say that not everybody pays the land-tax, but even without the land-tax, the Smiths will only earn $15,000.00 from their rental property.

This is a lot less than if they were on the government pension, which would have been nearly $36000.00 for both.

But now they only get 20,200.00 at the best, and all the trouble to rent their property.

I believe that these negative things must not happen, it is not right when you have worked hard to put yourself in a better financial position, then suddenly you find yourself worse off. 

Well, somehow, I have had my say, and I hope that it is clear enough what I have said. So, see you in my next article, which will be about, The Australian Social Security Must Be Equal.

See you soon.

------------------------------------ 

This is, Menfranco general blog 

The Assets Test Problem

IS TO BE CONTINUED;
Next time with; the Australian social security mast be equal.  
------------------------------------ 

Other links from same author

http://manneedsgod.co.uk

http://frankmenchise.com

http://diybrickwork.com 

http://menfranconewworldorder.yolasite.com

https://sites.google.com/site/menfrancoreconciliation/

https://sites.google.com/site/prayersofreconciliation/

https://sites.google.com/site/godintheuniverse/

See you soon in our blog,  The Australian social security must be equal.   

See you soon.

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