— Bob-a-job-alog-a-roonie

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Government

This is unworkable because Australian land belongs to the first inhabitants, and no government would ever do this. Otherwise…

There will always be people who have ideas and opinions that are not conducive with being a part of a society:

  • Criminals
  • Tax evaders
  • Anti-vaxxers
  • White nationalists

and so on… I love it if we could say to these people, if you don’t want to play ball, fuck off!

Australia is mostly a giant, arid, unproductive, worthless desert. We could fence off a few million square miles and call it the “Free Land”. Anyone who doesn’t want to conform can go live there.

  • No public transport, or even roads or rail or airports – you’ll need a 4WD vehicle to get there
  • No taxes
  • No police
  • No hospitals
  • No welfare

I’m serious. Being a part of society isn’t a spectrum – it is binary, you are in, or you are out. It would be nice to tell people where to go.

 

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The problem isn’t as bad as it seems, but has been amplified by social media and easy communications. This week we have seen an MP abused for rationally organising a shorter state of emergency than the state government wants.

The people who are angry in this pandemic have all sorts of reasons, across of spectrum of logic and sense. At one end, they believe that the hit to the economy, and particularly to their individual livelihoods is overly harsh. That is a fair opinion. But we also have people who know nothing about the law saying things are unconstitutional, and people who nothing about science banging on about 5G.

The reason China (allegedly) dealt with COVID-19 so well, once they got going, is they have a culture that thinks in terms of state first, individuals second.

In the west, it is typically the other way around. And we will always have dissenters against democratic decisions if it doesn’t suit the individual.

But the worst thing, I feel, is that people these days have inflated expectations of what they deserve in life. Just one generation ago, aspirations were around a good education gets a good job. This generation, people feel they have a right to become millionaires from making YouTube videos of themselves pouting.

I hope the “We are all in this together” aspects of the pandemic will help shift the attitudes of some people.

As an aside, I think critical thinking is painful for many. For me to a small degree, and some people majorly, even filling a form is scary and your brain goes blank. Being bombarded with a situation that for some people is literally too difficult to comprehend, can cause anguish and anger.

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Not my first roll of the dice. In fact my 5th mortgage application, from the same bank, in around a dozen years. Three homes and two investment properties. Every single one, we were told that we didn’t quite qualify, but when they tweaked some numbers we passed by a whisker. Each one we never missed a payment. That’s quite a history and one you would think suggests that I am good for a new mortgage.

Especially when it is a property I already have a mortgage for, and I am easily managing the repayments.

Divorce means that I need to buy “our” investment property so that just I own it. The rent covers the mortgage, and the loan to valuation ratio is 60%. The town typically has zero rental properties available, so keeping it tenanted is quite easy.

But no – I have to pass the affordability test. This is an evil thing that arose from the Global Financial Crisis due to lending practices in the USA. No such problem existed here in Australia, but our government erred on the side of caution.

The reasonable assumption is that, when asked how much they spend on various things each month, people typically under-estimate. So the test, and the numbers you provide, are more complicated than it seems. Because you are compared to everyone else who has made a loan application. If your self-assessed spending is above the average of people like you (basically single / married / dependants), then they use that number.

If you are below average in your self-assessment, even if you are completely honest, your affordability is based on the average. 50% of applicants get assigned a spending figure higher than what they state.

Guess who this disadvantages the most? The frugal, like me. I was a backpacker for 5 years, and I come from NZ. I know how to live cheaply and I do. But the bank says I must be judged by what the average Aussie spends.

On top of that, it is tedious, frustrating and embarrassing, trying to convince a bank you can afford what you already demonstrably afford.

I got there in the end, by lowering my credit card limit to $500, but it took many weeks.

It’s a 25-year mortgage. You can guarantee that somewhere along the way I’ll be without a job, and I’ll get a new credit card with a higher limit. Banks don’t check back every year to see if you can still afford the loan…

 

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I think I have a solution and I am considering doing it – more than I usually consider doing something.

Hundreds provided their surgery bills to Four Corners (I just watched the episode).  Basically the out-of-pocket expenses are often substantial, even for people who have been paying for  health insurance for a long time. It seems that some surgeons over-charge and even add illegal charges to the bill, taking advantage of people seeking a quick resolution and who lack information about their options.

What if we had a culture of sending your medical bills to a public database, that aggregates the data, and anonymises it (or not) according to the submitters wishes. The more people who allow their names to be attached would add the the authenticity…

You could see the average cost of each procedure per surgeon, and the average out-of-pocket per insurer. Appropriate disclaimers would be in place, regarding how averages work, that every surgery is different, and locations can be a big factor (for example capital cities have higher costs). We could even share average wait times of public and private services.

I’m 99% sure this is totally legal, unless the surgeons get you to sign something to the contrary – in which case we could keep a register of them as well.

The publicity would be easy. The tech side would be easy. We would need volunteers to enter the data.

It would either continue long-term or be replaced by an official system of more transparency.

And we could add in side-effects, which are substantially different in scope to what people are informed of pre-surgery. It would of course be only shared at procedure level, not surgeon level.

I found something similar in the USA, using data provided by the health insurers. It is good for getting a very general idea of costs but not much else. I think a truly independent site would offer deeper data…
https://www.fairhealthconsumer.org/

Ultimately we cannot trust the government, insurance companies, or every surgeon to tell us the truth about costs and expected outcomes – as they all have reasons to avoid it. People power can change that.

Oh, and even if it proved illegal or attracted lawsuits, I’m sure it would be supported by some pro bono lawyers and the publicity would promote public and government debate.

This would 100% not include reviews of surgeries. It is purely to get a general understanding of options.

Imagine if you could discover that 10 surgeons cost $3000-$5000, and 5 more charge $8000-$10,000. For the exact same procedure.

Imagine if you could discover that the wait times for a public procedure with zero costs was 8 weeks and private was 4 weeks.

Imagine if you could discover that a routine procedure has a 40% rate of side effects, and a 10% rate of side effects that required further surgery.

(I think we would avoid fatality rates and success rates…)

 

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I love reverse psychology, so here’s a concept for you: deliberately create an association that supports the rights to bear arms, for people who will scare America the most:

  • black
  • immigrant
  • 18 years old
  • mentally ill
  • listens to death metal
  • Christian
  • plays violent video games
  • own assault rifles
  • form militia
  • openly say they hate rich white men

Find a bunch of kids who tick every box (or at least can convince as much…), get them organised, give them publicity, and watch how the public and government respond.

It could be one of the greatest pranks ever, and change the USA for the better.

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Many people hate the work for the dole scheme, and for many good reasons. But maybe the concept can be turned on its head, to benefit the unemployed?

What if there was a voluntary organisation, of unemployed people, who because they have some time on their hands, help out in the local community?

  • Self-organised, and therefore learning how to organise
  • Respected for their can-do attitude
  • Looks great on a resume – the opposite of a dole bludger
  • Develop skills

If successful, it could become a legitimate to satisfy mutual obligation requirements.

 

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When people vote, they feel empowered.

When people are polled, they only feel good if the majority of people surveyed agreed with them.

Idea: National poll of people eligible to vote, asking them a single question with two answers to choose from.

Our society is programmed to need to know the result of the election/vote or poll…

The government chooses questions that it expects the majority to get wrong. And the majority gets it wrong.

Then, most of the population will feel little, and bow down to the government that is smarter than them.

 

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DSCF4118

(the pic is from a fenced community farm at my back door, that is open to the public during daytime…)

The problem is teenagers without purpose outside of school, purposelessness that can lead to drugs, crime and even terrorism.

The goal is for teens to be given an opportunity to work together, with no hierarchy, to achieve a goal, with no skills required, for reward.

It should appeal to those who most need it.

Using nature makes sense, so the idea of running a farm has merit, and is already being used, albeit supervised:

https://farmandwilderness.org/tamarack-farm/activities/
http://wolfesneckfarm.org/teen-ag/
https://www.sdmf.org.au/youth-progams/triple-care-farm
http://www.knightfarm.co.uk/farming-for-teens

These are typically places where you need to travel to, and stay at, and you need to apply or qualify.

I’m thinking of a more local community, anarchistic model.

Unfortunately it does require money from a benefactor, but it may be money well spent. The local council is a good fit.

Some empty urban land (or any land close to where the teenagers live) needs to be gifted or loaned. Ideally it needs work to make it fit, especially demolition work like breaking up concrete or removing weeds.

A plan that is gamified.

For example:

1. Getting a minimum of 5 teens involved unlocks some tools

2. Clearing the land unlocks timber

3. Building raised vegie beds unlocks seeds or seedlings

4. A successful harvest, sold or distributed to the needy, unlocks the equipment for building a chicken coop

5. Building the coop unlocks chickens

6. Distribution of eggs unlocks some recycled items to be turned into artistic pieces or statues

A key aspect is that the quality of the work will never be judged. However if the entire project is mistreated or not valued, it can be stopped.
Anyone of a certain age (and perhaps males only) in the local area can participate. The only requirement is parental approval. Those with parental approval will have their names written somewhere permanent on the land, like painted on a wall, or something more difficult like etched into stone.

Work can only occur during daylight.Instructions and information will be provided.

There will be no direct supervision. There will be no team leaders or hierarchy, and participants will be told to keep it that way. Each person contributes as much as they feel they can, and to the best of their abilities. Nobody should judge the work of others.

Obviously there can be regulatory hurdles, such as health and safety, and protecting property from theft or vandalism.

If a CCTV was actively monitored by adults during all daylight hours, and recording at night, that could help with the hurdles.

The property could be fenced in and locked during darkness by a responsible adult who otherwise has no contact with the property.

If successful, the completed farm will still need ongoing work, and new teens can take the place of others. Teens will get the most value if they are there from the beginning, and constructing. Restarting this process in future years without destroying what is built is a problem to deal with at the time.

The concept could be trialled for a TV doco.

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This is a new and disturbing trend – achieving something that is a disadvantage to the business you are dealing with, takes more effort than should be reasonably expected.

Examples:

Foxtel – sign up online without talking to a human. To cancel, you need to phone them during business hours, and be on hold for up to 30 minutes, then endure a retention specialist trying to convince you to stay.

ING Direct – I received a letter telling me that my fees had changed (I joined them because of the no fees…). The letter said I could see the changes if I visited a particular URL. They could have just told me, but they required me to take an extra step, and read a long document full of information that doesn’t apply to me, to find out I am now paying $60/yr for my “fee free” account.

Solution – a law in two parts:

The ease of making an agreement with a business should be matched by the ease of ending the agreement.
When information is needed to be shared with a customer, it should take the least effort on the customer’s part to see and understand the information. If the information can be provided particular to the client’s situation, that should be the only information provided.

** Although I don’t expect any law changes on this, I have recently discovered that getting married is extremely easy to achieve, but having an amicable divorce involves a mass of paperwork if the government is involved in any way (such as receiving any money from them).

 

 

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socialist

An it harm none, do what ye will

Three facets, freedom, libertarianism and social. Freedom to do as you will, as long as it harms nobody. A few rules and as little rule as possible. And a mandate to make sure everyone is looked after. Libertarianism with a soul.

You can’t look after everyone without tax (unless the whole planet receives an epiphany). So everything will rotate around how this tax is raised.

The available Tax choices are:

  • GST / VAT – when you buy something
  • Income – when you earn something
  • Payroll – when you hire someone
  • Resource – when you use resources that (should) belong to everyone
  • Corporations – to limit their success, tax them more

In all cases the model is the same – the more you do, the more you pay. This promotes moderation.

Medicine

Deconstruct the system, use technology. If I know I have gastro, I can stay at home, self-test, and come back to work/society when I feel better. No need to go out there and spread my germs.

Home treatments reduce the risk of hospital-acquired disease. If the patient is in control, they can demand cleanliness.

Social Welfare

What we need is a mix of giving useful employment to those that will benefit from it (most people need a purpose/station in life, and won’t think too deeply about what it really is), and allowing the artists, mystics, intellectuals and the genuinely useless to sponge off the state.

Military

One of the main reasons for countries forming (in ancient times) was that a national force could protect individual communities much better than they could on their own. Lefties and greenies are typically anti-military, because individually they tend to be pacifists. When running a country, pacifism has its limits – even Switzerland has an army. In fact the Swiss model is one that could be adapted – it has only 5% career soldiers and does not participate in foreign conflicts (with the exception of peace-keeping roles). Australia has two key differences to Switzerland which need to be addressed:

Geography – as a massive country with a low population, there is a strong need for local militia.

USA – being a close military ally with the USA has numerous benefits, and the relationship should be maintained to some degree. With very few career soldiers, the Swiss model could be modified so that there is some foreign conflict participation, but only by commandos fulfilling elite roles.

Education

This is probably the trickiest to get right.

A national system works best, because otherwise we’ll have people shifting states to get an advantage for their kids – and that isn’t efficient.

I propose a system similar to the pole vault in the Olympic Games – if you pass a standard level, you get to try the next level. No more scores. Just passed / didn’t pass. With quite a few levels. They could even break down the tests by category.

Drugs and Marriage

Freedom to do as you will as long as it harms none. If drugged drivers becomes a problem, the solution is punishment for those actually impaired – not someone who had a puff on a joint 2 weeks ago.

Any human marriage should be legitimate  – it is the second most primal purpose after making kids. Why make such a fundamental aspect of life exclusive to a self-righteous majority?

Refugees

Assess at the source – their actual country of citizenship. Much easier than when they have arrived here without papers…

Provide guaranteed work. Most likely better than where they came from. Base the refugee system on the rest of Australian society… if you are fit and able to work, you should. If you are hopeless, we’ll look after you. If you want to learn, you can.

 

 

 

 

 

 

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