No Reduction in USC in Budget - Mod warning post #261

Myself and the wife just retired last week. I wont say our ages but we are around a couple of decades away from getting the OAP. Sorting out the dole etc now this week and then off traveling. AirBnbing the rooms in the house while we are away. Decided better to be a tax taker than a tax payer at this point. Hard work doesnt pay in Ireland.

Its all in hand. Already been through all of the finger wagging and telling me what im doing is wrong and impossible and not worth it etc etc in another thread. It suits us. We will be fine. We have it all figured out and have been planning it for some time. Now its happening and we will just get on with the plan. 90 hours a week back to ourselves between us. Thats the main thing. Pensions sorted, house sorted. Airbnb sorted. Get the dole for 9 months or so, sorted.

So happy to hear it.

Now that is a job I would never in a million years apply for, nor any public sector job for that matter. It doesnt really matter what I work at or what im doing. Just pointing out that its the high taxes that have pushed me over the edge. Its a time versus reward calculation for me now. Its funny though, as you can see from other posts ive made about it and questions ive asked while preparing for my plan, how it gets up some peoples backs when I mention that im done being a tax slave, but sure there you go, we live in Ireland I suppose. Someone always p!ssed off when they think someone else is happy with what they are doing.

The only way really to explain it is that both myself and my wife have reached the point where we are no longer happy with what we take home, what we pay in taxes and what we get for our taxes. So over a good few years now we have been putting money away where it cant be tied back to us for means testing if it comes to means testing, paid off the mortgage, got the kids set up, moved house and will now go on the dole for as long as we can get away with it and do airbnb on the rooms in the house and do plenty of traveling. Take back our time, so to speak (90 hours or so between us a week that we now have for ourselves instead of half for ourselves and half for the tax man). If we run out of money we will then hit our pensions which should keep us going until the OAP age. Its not rocket science but it does seem to get some peoples backs up. Pretty sure that anyone, if they spent a few years in their 40s planning, could do exactly the same by the time they are 50.

I'll tell you next week. I havent collected anything yet. I have documents to get for them at the moment that they never told me about when i checked it out before. Even if I do have to collect in person I believe i can tell them I will be away that week or for a couple of weeks. Perhaps looking for jobs abroad :) I know people who do that already. Doesnt seem to interfere with their travels at all.

Don't worry, this guy has his scam all worked out. He complains about paying too much tax and then proceeds to defraud the system....loves to talk about it too. Half of Boards know he is planning to rob the social welfare system at this stage, what a hero.

What about hard working middle class single mothers and deadbeat dole head dads?

The USC is an excellent progressive tax. I'd actually extend it to all income inclusive of social transfers, no minimum threshold.

Ive paid in more every week for the last 20 years or more than i'll be getting in a month. I'll even be paying tax on my JB. Noone has been defrauded here except me.

You are deluded, trying to convince yourself that is OK to defraud the welfare system because you have paid taxes in the past. If every tax payer had your attitude there would be no dole available for you to scam. You can't justify what you are doing.

The gov are extending benefits for votes rather taxes. It's easier to bribe someone with free stuff rather than giving someone their own money back. A Pensioner couple pulling 50k(state pension 27k) a year with mortgage paid get medical card, fuel allowance, tax exempt on first 36k and pay reduced usc. The divide between generations is amazing and unsustainable as we all age...

If they pay tax, then your illegal actions most certainly do effect them.

Jobseekers payments must be collected weekly at Post Offices and within 3 days of issue, or the funds will be returned to Social Welfare and the claim paused.

JS payments to bank accounts was only allowed during the pandemic, and reverted back to post office collections in January 2022.

Maximum of 2 weeks holidays are allowed per year.

Not that I actually believe a word of this.

And there is no wonder why we are jam packed with refugees.

I believe his intent, however, I also believe, as is heard on Liveline practically every day, insufficient research has been done by the poster. If I was going to AirBnB my entire house I'd want to be living down the road. Even using an AirBnB 'agency' that does the cleaning afterwards, isn't enough. Cleaning they can do, repairing holes in walls, they can not. Where will he store his valuables? His lifetime collection of books, furniture etc?

Aside from the fact it anoys me what AirBnB has become. Entire homes being rented out was never its intent.

Hanlon's Razor:

"Never attribute to malice that which is adequately explained by stupidity."

He's either saying these things to troll us(your belief), or he's not done his homework and is thicker than a bucket of jelly(my belief). Either way, to stop him hijacking the discussion I have put him on my ignore list.

You are the one who is triggered. Dont let it bother you. It has not effect on your life whatsoever. Deep breaths, and relax. You are mentioning my plans more than I am. Time to get a life for you now.

Seems close to 1 million people don’t pay any PRSI, the USC is the only way of getting anything off these workers.

It needs to stay.

Sure the airbnb was the easiest to sort out. Relatives living in sort of self contained granny apartment divided off the hall. Used to be 2 bedrooms with ensuite. Was easy to convert to a living room and room with small kitchen and bathroom. The money is going to them and going into their account which I have a card for and can draw the money as needed. 2 rooms will be let out to airbnb. Our room and living room and kitchen at the other side of the house wont be used . A neighbor who does airbnb in their own house and gave us the idea (instead of originally going to rent the rooms) going to come in and do the cleaning gets the cleaning fee. It couldnt be simpler. Already been doing airbnb for 3 months now already and its a doddle. Just take people with plenty of 5 start reviews and you shouldnt get the torags.

Look if this is clearly triggering people, so i'll stop posting about it. Anyone curious can PM me and i'll answer your questions there. Im curious to know as well how this JB goes with how often you actually have to be around to collect, because people here are saying the rules have changed, so pm me and as soon as i verify I will let you know how it went. Worst case scenario i stay around for 9 months or travel within a cheap flight of Dublin for the time im on JB and go further afield after that. Cant see it being the game ender people hope it is.

If I wanted to go back to work I guess I could, but the plan is not to have to. I think its a sturdy plan. Though I an see how people might not think it is or not want it to be. People sure seem interested though, and im happy to explain anyting they want if they PM me. Sure posting here only brings out the begrudgers.

Never mind reducing the USC….. the USC was implemented as a temporary measure back in 2011….

Last year Paschal Donohoe said that the USC can’t and won’t be abolished… he also flat out denied that it had been introduced as a temporary measure….

so my guess is that the next change in USC will be to increase it not reduce it.

you can’t have all these increasing and limitless demands on our services and resources and then see taxes being reduced.

also FG talk lie and spin and change their positions to suit…

then…… 😏

Availing of supports, no matter how short-term, comes with conditions attached.

Being available for and seeking full time work is one of the qualifying conditions required to qualify for a Jobseekers Payment. Including Jobseekers Benefit.

If someone leaves a job with no intention of looking for another job for some time (it doesn't matter how long) then they are not entitled to claim a jobseekers payment until they do meet the above criteria - no matter how long or how much they have been paying in contributions.

Claiming a jobseekers payment while not being available for and not seeking full time work is fraudulent.

Do you follow now?

Sure everyone is entitled to do as you describe. They are not entitled to scam the system, to defraud the welfare out of money they are not entitled to. He has documented how he has hidden away money and plans to lie when he is means tested. He is going to make income from other sources and not declare it while continuing to claim welfare he is not entitled to. His 'hidden' money will be liable for DIRT or capital gains, he will not be paying that (he will have some fun trying to 'unhide' that money when he actually needs it!).

Who knows what other scams he has lined up. He seems to think that just because he has paid some income tax in the past he is entitled to steal from the system now. If you do not agree with him you are 'triggered'.