KEY POINTS:
The key element of the Budget for New Zealand business is the introduction of the government's much-heralded Business Tax Reform.
The primary instrument of this is a reduction in the tax businesses pay to 30 per cent from 33 per cent at present.
Here is the latest selection of Your Views:
Broke (Rodney)
So from the time Kiwisaver starts, we will be saving $50 a week from 2 of us.The car is going to cost us another $8 to $10 aweek to run (10cent extra per ltr). This will be $60 aweek, $3120 per year. What about tolls that could cost us another $24 per week (6 days only) ($2 each way). Thats $1248 more a year. So in 1 year it will have cost us $4368 to work and get to work. (and I don't object to paying tolls for roads needed). But what if you need 2 cars to get to each of your work places $5626 extra per year. There goes any holidays.Employers will be running scared, after all they have to give you 4 weeks holidays each year, and then help you save for the days when your old. If you get there.
Tired
The last financial year I earned 120k through a lot of hardwork and overtime. 40k of this went to Dr Cullen through tax. After paying increasing rates and petrol prices, put food on the table, pay for my childrens education, and other government expenses, I will be expected to find more money to put towards savings, but not till after its been taxed first. I thought that having a good job, and investing for our future was a good thing. But the more you earn, the more the government takes. Its no wonder some people choose to just stay on the benefit, have their rent paid, food, debt, travel etc paid. Australia really is looking good.
Dips (Auckland)
Tax cuts, tax cuts and tax cuts - the answer is so simple. Yeah right. C'mon New Zealand wake up. Stop being so selfish a tax cut now would only fuel inflation, raise interest rates and make it even more expensive. What's Mr Key thinking? The corporate tax rate being reduced is a good sign, it will fuel business investment and reduce pressure on inflation. As for the petrol tax, it's definitely needed but it needs to be used properly. Savings wise, New Zealand is hopeless - we can't afford houses but we want more money to buy fancy Nikes and what not, get real people. This is to secure your future that you cannot secure yourself. If you could stop yourself from spending too much the government wouldn't do it for you. Savings is good for the economy, please stop moaning about it - your money will come back to you. Well done Dr Cullen - at least you're not just swaying to the media and hyped up tax cuts.
Flown The Socialist Coop to Singapore
It is little wonder after Cullen's smoke and mirrors budgets, that many of us have left the country. This week's effort from the Finance Minister is provides no further motivation to stay or return. After more than forty years grafting in my homeland I now work in a country with a low tax rate and an economic optimism that is no longer visible in New Zealand. What a relief it is to be rewarded for personal effort, rather than having a nanny state grudgingly offering small crumbs of 'gratitude'.
Big Max (Central)
Every week that I read the NZ Herald I find out new laws and legislation that comes out of the Beehive. Initially I thought that the New Zealand government is working with people in order to solve peoples problems. Recent budget however which was unveiled this week make me think twice about the government. In the past few months, we had increase in rates, we had increase in water rates and now increase in petrol price by 10 cents. That is a lot of money. It will hurt the businesses a lot and the tax cut for businesses will basically be wiped off by the 10 cent increase in petrol price. The government revealed that the money will go towards the electric train. I dont want to pay for an electric train. I have lived in NZ for 13 years and have never been on a train. And a few of my close friends are the same they never been on train and never will go on a train. So why should people who do not use the trains pay the costs of establishing electric train in Auckland. What about people who live on the North Shore. They dont have train tracks so why should they pay for the new train?
Julie (Auckland)
On Campbell Live last night, John said there were 700 Kiwi's leaving this country every week. Make that 701. Make sure you turn the light out Mr Cullen.
J Fisher
In regard to Kiwisaver. I am 61 and am trying to work towards being as self sufficient as possible by retirement. I have little money and have purchased a property 1 1/2 hours north of Auckland. At present I have to pay my mortgage(I can't rent it as I have no septic or running water)rates, insurance, power, rent in Auckland during the week, my share of expenses, petrol & car maintaince, food. I don't go out, I buy secondhand clothes. I don't have US$20 left a week to put into anything.I am sure that a lot of families with young children do not have US$20 spare in the budget either.
B
Cullen should go back to the UK and teach history lessons. He's a joke. NZers are sick of you overtaxing us. Labour (Socialist prats) out, end of story. Roll on Elections 08.
Susan O'Neill
The budget was just what I expected once again nothing in it for me or others like me except for pay pay and pay more.Kiwisaver - the concept of compulsory superannuation is good. Why could we not have followed a similar scheme as in Australia? Be very wary of joining this scheme, there is no government guarantee on your money,there has been no mention of what fees and charges the fund managers will extract from your account, and it may be tax free now but what about when you come to collect at the end, do you really think that they won't tax you somewhere along the line. What about the smaller employer, do you really think they can afford to put in to a scheme for their workers, it could effectively cost people jobs, will the next question at an interview be are you interested in kiwisaver saying yes may be the difference between getting the job and not getting the job (after all there are lots of mean minded employers out there). I would have preferred a tax cut that would allow me to decide what I would do with it, not what the nanny state decides, can anyone tell me what is a democracy, what is the definition of that word, because I am really confused about this now.
James Evans
Dr. Cullen has had a once in a generation windfall of cash to play with for six years in a row. Growth has slowed and the public service has ballooned in funding and staff, as basically they have done nothing of economic sense since they have been in office leaving the poor taxpayers carrying the heavy load. Ironically next year when he has his last chance to give us tax relief, the economy will be in recession due to the US consumer being on life support. Inefficient use of tax revenue is the main problem with this Government, as the last seven years has been a wasted opportunity.
Ian
Well, what a relief it is to see commonsense prevail over personal "short term relief" tax cuts ! My mortgage rates will now stop going up and up, likewise the NZ dollar, and we may even see them come down in the not too distant future.This is definitely a budget for the future of NZ, it is not a "short term fix-it" when the economy needs stability and re-balancing. I already have a Superfund at work, which my employer contributes to also and this works very well as I don't see this money leaving my salary every fortnight, however I do see the statements that come in regularly and the balance is growing and growing, which will be part of my nest egg for the future. Meantime I am paying off my mortgage that is seeing the value of my property increase, so I am winning both ways. Now others than cannot save without incentives will also have the same opportunity.Excellent budget, except for perhaps one thing, it would have been good to see Company Tax at 28 per cent, just a little lower than Australia, but there is always next year. Considering the so-called business friendly Nats never moved company tax in their tenure in power, it is all pretty good really. Here's to the future!
George Lim
This Budget is not worth reading. Wait for the one next year!! That should be interesting.This Government has been in power too long, and besides continually displaying their arrogance, they have gone totally deaf to public opinion. Replying to criticisms both from the Opposition and the public, Cullen's reaction has frequently been to insult those as either totally stupid or just plain dumb.
Jay (Dublin)
Labour and Michael Cullen really need to get a wake up call with what other countries are doing. I'm a NZ'er living in Ireland where they give all of a certain amount of tax credits plus the rate of tax is not so high as NZ. Every year the government here increases the tax credits we get as well. If I hadn't moved away from NZ I wouldn't have been able to save and paid off my student loan which I have done so now. If I had stayed in NZ, I think I would still be trying to pay my student loan off which included about 13k of interest they charged me. Why do all of us young professionals leave once we graduate? hmmmmm Wake up Labour!
Gunner
Why didn't Labour offer a personal 'tax cut' in the form of the portion we are required to invest in Kiwi Saver? Many families can't afford to contribute that percentage as they are facing higher mortgage costs, petrol costs and increases in water rates and council rates. This sort of cut would mean Labour would still maintain their Stalinist control of our bleak lives and the country would save more as Kiwi Saver would be compulsory and free.
John Bockett
Tax creep on wages where the level that increased tax on wages has not been changed for years to accommodate rising wages due to inflation, and with the huge increase in house prices mainly due to investors getting tax free capital gains and tax loss writeoffs leaves the hard working family and single person at a loss to nothing. I wonder whether this is a labour government or a very right wing organisation in disguise. It will not matter next election who lead the party ,this lot will not survive,and so far removed from the ordinary people,haven't got a clue how bad things are for working people trying to save for a home,or even just to live.The pressure on relationships through the exhausting working hours just to keep pace is destroying the fabric of the nation. MPs wouldn't have a clue with their 12 per cent rises every year,backdated many months. C'mon, politicians, give us a break!
Steven (Auckland)
I hope National dismantles everything this idiotic Labour government has done over the past few years. This new KiwiSaver scheme is stupid. It might as well be compulsory super, because not taking it means you will be subsidising those who do. If Labour doesn't lose the next election by a huge margin next election, we can safely come to the conclusion that the majority of this country is made up of beneficiaries & idiots who deserve nothing but mediocrity.
KBJ (Akld)
What else is there to say other than they will know my feelings at election time. I will not now or ever vote Labour again. I have voted them continually since 18. They lost a supporter. Budget Bites. Petrol tax sucks and again we pay and pay and pay. I would like to thank this government for screwing over my family and my country.
Rongo
The change in company tax is cynical slight-of-hand from a tax fixated, manipulative, government. Company tax is only a temporary withholding tax, paid on behalf of the company shareholders, i.e. the owners. When a company passes its earnings to its owner shareholders, it also passes an imputation credit for the tax paid by the company. With the tax payable by the company now at 30 per cent the shareholders on tax rates of 33 per cent to 39 per cent will be obliged to pay an additional 3 per cent to 9 per cent tax. This group includes most investors and trusts who will now be the losers. The government has forgone little if any tax revenue as this will have to be paid by the shareholders. On top of the so called "Fair" Dividend Rate tax introduced in April, which takes up to 39 per cent of any gains on overseas investments, this is further theft of the savings of responsible, thrifty New Zealanders.
Robin a financially successful expat
How easy is it for a government to complete a budget these days? Many governments appear to follow the same pro forma that goes: Reduce spending in any area possible. Any reason will do. Understate the amount the amount of surplus you will expect at the end of the year. This way it looks like you have done a great job. Then when you complete the budget spend, make it look like you are showering money in areas that you would be spending it anyway. If you use this at home, you, stop buying food and paying rent. Move in with someone that is stuck supporting you, like parents. Tell your parents you are saving up 10K. After a year you will have saved 20K and they will be really happy with you, because you did so much better than first anticipated. Give Mum and Dad 2K. Your rent and food would have cost you 15K. Ask Mum and Dad for another term of stay telling them you should be able to save 20K in the next year. Because you are doing so well you can give them 4K in that year. Fool proof. I call this fiscal management method 'The Budget Pyramid'. It's like the pyramid game only with spin and contempory modelling. In the case of New Zealand the Japanese and anyone else who likes carry trades help build the pyramid. Even I have put cash into the Kiwi because the economy is that easy to read and make a buck from.
Wellington
1.6 per cent growth in 2009, this is an absolute disgrace and Cullen and Bollard should resign immediately. The only creativity Cullen can muster is how to cynically plan to buy votes to maintain a lame administration.
KN (Auckland)
I just have one thing to say, What am I and my wife going to do $3900000.00 in the bank at 65 years of age and have also paid off my mortgage. I need more money in my pocket now (today) when I have a mortgage to pay and family to look after. Why save for future when you are struggling to meet you cost today?
Peter
The concept of a savings scheme that has both a government and employer top up is nice. Finding 4 per cent of your gross income to spare to pay the required contributions is another matter, especially in the face of inflation fueled by out of control public sector spending. Its not going to get much voter approval. Labour are on the way out.
Auckland
The Budget has changed the terms of the economic and fiscal policy debate and National could have trouble coping. 'Tax cuts v No tax cuts' has become 'Tax cuts v Saving for New Zealand's Good'. What can National do? Dismantle Kiwisaver? Adopt it in full? Tinker and fudge?
Only by dismantling it can National afford to promise personal tax cuts. It's a big call because New Zealand's savings problem is well recognised out there. And people who struggle to save $40 per week, say, now an incentive to do so because they will gain an extra $60 from doing so. (Ciggie sales could plunge!)I think Labour's unearthed a big weapon here, which will start to strike when, a few months before the election next year, people get first-year Kiwisaver statements and see how it's worked for them. And there's still the 2008 Budget to come....
Grant (London)
Compulsory employer contributions and government endorsed savings plans are a positive sign that NZ is slowly catching up with the developed world, where these concepts have been standard for years. The Muldoon government's populist decision to end compulsory superannuation in 1975 set the country back many decades compared to, say, Australia or the UK, where people expect to retire in far stronger financial positions than they do in NZ. In addition, the massive pension funds found abroad indirectly stimulate their economies through investment. It's all very well for Kiwis to excite themselves over house prices, but you can't eat or invest your house and the ridiculous interest rates in NZ offset much of the gain anyway.
Alan Wilkinson
The budget could be the last nail in the coffin for some SME businesses in the service sector with high wage costs. A typical business making a 5 per cent net profit on turnover before tax will recover just 0.17 per cent of turnover from the reduction in the corporate tax rate from 33 per cent to 30 per cent. But if it has wage and salary costs of 25 per cent of turnover then its potential costs from the compulsory 4 per cent matching employee contribution to Kiwisaver will be 1 per cent of turnover - more than five times the amount recovered from the corporate tax reduction and a staggering 25 per cent reduction in profit after tax.The more marginal the business's profitability, the more drastic is the impact on its profit. The notion being promoted that the tax cut will pay for the Kiwisaver costs to business is garbage. It is nowhere near big enough and doesn't even cover it in the first year when the matching employer contribution is only 1 per cent. No doubt these SMEs will be immensely pleased to know that this money is being taken from them and invested in other, bigger and richer companies - a sizeable proportion going overseas.
Soon to be Kiwisaver
Good news for savers. I like the bit about the $1000 and tax credit for savers. This is an act that is long overdue. The government has sat on this idea for 8 years now and done nothing until now about the terrible savings record in NZ. Better late than never but if National were to keep the tax credit thing on savings (not so sure about the compulsory employers contributions) I would definitely vote National.
Kiwijohn
The budget proclamation says it all. This Government's management of the economy will ensure that real gross domestic product growth will slow to 1.6 per cent in the March 2009 year. Banana Republics are doing better than this. What comes after banana? Lemon? get rid of this outfit before it's too late!
G
Dan wrote "Michael Cullen, take a bow. Your courage in the face of an extremely biased media is exemplary."? Somehow I think not. The media is the puppet of the Labour Party. First off, the government takes a very high percentage of money from its populace by income, excise and consumption taxes. Add to that the increasing levies form local bodies and then the user pays in education, health and the like and you very quickly realise that in some form or other we are all paying excessive amounts to live in this country. And the Government even generates a healthy surplus in spite of its massive (and inflationary) spending. Not too many of the population are running a surplus (and not through profligate spending, but just trying to make ends meet). Then along comes Cullen with the attitude of "You're all a bunch of morons who don't know how to handle the money you earn. Never fear, I'll spend it for you." Take $50 out of your pay packet before you even see it and give you back $20 here.
Mano
There is nothing in the budget for hardworking couple without children or with grownup children. Tax rate is too high in New Zealand compared to other countries. Election year tax cuts will not change the opinion of the voters who are aware of the Australian tax cuts during the last 5 years.
Martin
The Great Kiwi Saver Plan. Taking the sample given of an income of 75K and after 35 years you end up with 390,000 to retire on. Well there is such a thing called inflation, and if we presume we run at an average inflation of say 3 per cent over the next 35 years, the $390,000 windfall is reduced to $139,000 in today's value, and not the $390,000 we think we will be getting when we retire. To be able to get $390,000 saved up in 35 years, it will require savings of about $351 a month for the next 35 years , at an average interest rate/ return on the savings of 5 per cent. p/a ( for arguments sake ) The funny is, take $351x 12 month x 35 years = ? Is it worth it …..
Patrick (Southland)
No journalist seems to have figured out that the 3 cent reduction in the company[not business] income tax rate will only benefit entities who distribute dividends to shareholders whose personal taxable income is below $38,000.Any shareholder who receives a dividend and whose income is between$38,000 and $60,000 will have to pay the extra 3 cents[nil at present] from their own pocket,as their marginal income tax rate is 33 cents ,while anyone whose taxable income exceeds $60000 will have to find 9 cents[6 cents at present] in the dollar from their own pocket,as their marginal tax rate is 39 cents.Dividends taxed as trustee income of trusts at 33 cents will need the trust to find an extra 3 cents[nil at present] in the dollar. In summary, it has no benefit for the average business owner in this country,and is aimed at the large corporates,mainly multinationals.
Cambodia
How dare this labour government reintroduce a forced superanuation after what they did in 1984 to our parents who had worked and saved. Will it be there when the savers reach 60? Sorry now 65? Yes, but do you know that you will have to pay 58c tax in the dollar(already taxed once)when you draw it as our parents did after going through the war coming back and rebuilding the country educating their kids and saving a little nest egg as advised. Why do NZers not save? Because the Government can not be trusted with our money.
TJ (North Shore)
Being a student, I think this new tax is absolutely absurd. Commuting everyday, a 10cent increase is a big hit to the weekly budget. Everything is being increased drastically except the minimum wage(which had a slight increase) but is taxed at 19.95 per cent. If in Australia, I wouldn't even be getting taxed. The new bus lanes that are being constructed from the shore to Auckland city, have hardly any buses on them! Where is this 10cent petrol tax going to take us now? More bus lanes!
Bri
Thanks for nothing Michael. You have just increased the cost of living -sorry existing. Everything that moves by road will now cost the producer/consumer more. Your vision is still in the rear view mirror and look out for the potholes in the road because as sure as eggs is eggs you will find it next election.As a history lecturer what have you learnt from history? I suspect the ghost of "Russia Past" is your
hero.
Rev Dick
Mr Cullen's 2007 budget confirmed further bureaucratic spending, with no 'taxpayer' advantages. In the wake of the "Leaky Homes" debacle, Kiwis should be unwilling to accept Government assurances to build "Carbon Neutral" nests. No Government funding, yet Kiwi home-builders are expected to rely on failed past integrity, to spend thousands of extra dollars in "local authority" compliance hurdles! This NZ Govt. suggested 'Kyoto protocol' benefits would outweigh the future costs to the taxpayer. Expert economists have disagreed, unless Kiwis build carbon neutral homes! Snake oil salesmen will claim cost recovery within two years regardless of the higher installation costs, without providing Govt. backed guarantees. [Similar to Dr Cullens' effusive Kiwi-Saver claims.] With a 2008 General election looming, this Government has stretched their credibility with Kiwi electorates to the maximum! Expected energy savings are sure to be thwarted, by escalation in 'monopoly' provided energy charges, long before extra building costs could be recovered? KiwiSaver success is dependent on the integrity of private sector financiers. Who can we trust?The concepts may be sound, but Kiwis should question the economic value of compliance before our NZ politicians rely upon 'bureaucratic' Treasury advice. -Caveat emptor for 2008!
Susan
All I would like to say about the budget , as I try to get up off the ground after being beaten and robbed by "our" government yet again is "Remember, Remember, Remember" at next year's election. The only thing this government has done for "middle New Zealand" is to take, take and take again (no wonder the Maori name for Inland Revenue is Te Tari Taake). The poor have nothing left and the rich can either avoid or afford it so who's left to steal from - that's right us.So middle New Zealand make sure that you vote at the next election and you tell this dictatorship of a government, who think they can ignore us, that we've had enough having finally seen through their lies and broken promises. Remember, Remember, Remember.
Anita Neal
This budget is getting on for the last straw for us. I would say that there is probably a 50 per cent chance we'll be on a plane to Australia within 18 months. Kiwisaver? Well, teenage boys eat more every week, the fridge needs replacing and we just had the cam belt on the car done .... I sometimes wonder if Michael Cullen inhabits the same planet I do!
NG
There is nothing in this budget for me or my family.. .simple. At least with the last budget we had "working for families", you know, that great piece of legislation that recognised that even families earning in excess of 100K were finding it tough under this regime and needed to visit WINZ and receive their benefit, like the rest of us. The cynicism of not moving the tax threshold to at least account for inflation is really galling, not to mention yet another tax on petrol (oh, but this one we will reserve for the roads, honest). Although I think the kiwisaver idea is a good initiative the truth is that I would be saving if I could afford it especially if the govt wasn't already taking so much of my money. I am also sure that my employer would already be paying the additional 4 per cent to me, again, if he could afford it. How does the govt think that a compulsory payment by employers can be anything other than inflationary. Do they think that companies will magically make this money appear, or will they increase prices to cover? Let me think.
Wayne
What is on offer here? Not a lot for the "ordinary" person. Is there now an incentive to save? Not really. We save more, Cullen receives more tax from any interest we may earn on our savings. If Cullen and the Labour party truly had our country at heart, they would start listening and actually hear the damage they are causing. If savings are what is required then quit taxing our interest. Then a real incentive to save exists. But the Labour party is not listening, they are too busy turning us into a nation of beneficiaries; too busy destroying what once was good...
Mark (Auckland)
Kiwisaver,great deal if you believe that this or successive govts will not steal or lose the money,they have before.
Jessie
To encourage Kiwis to get into their saving culture is definitely wonderful idea. Being brought up from Asian, we understand there is no other way to secure your own future financially but your own savings. As an employer for more than 10 years in New Zealand, however, I felt a bit cheated by the cost government loading the cost to employers without their agreement -- employers will have to match worker's deposits up to 4 per cent of gross pay. Why should employers take this extra responsibility and sacrifice for teaching Kiwi employees how to save? People living in New Zealand have so much to get from government, which supported by all the tax payers: allowance, student loans, house allowance, family support, etc. As a taxpayer, I do know my obligation for this country and that is what I have been doing for years. I do feel ridiculous for being responsible about KiwiSaver scheme. What is the next? Throwing out tax cut to business owners and taking them away to support KiwiSaver? It doesn't sound sweet deal. I am so tired of paying everything but getting nothing in return.
Leonard Lee
Kiwisaver only pays out once a person turns 65? What a load of rubbish. People who save for retirement usually save with a retirement age in mind - it might be 55 for some, or maybe 60. It assumes that everyone will be living a healthy and active life at age 65; It assumes that everyone is debt free and would be better off putting their money into kiwisaver than paying off their interest laded debt; Money you can't touch is money you don't have. It essentially tells everyone that they are too stupid to save on their own, to know when, where, and how to invest their money. Labour and their socialism need to take a hike. Viva la Revolution!
Expat kiwi
Another very good reason why so many Kiwis will stay working in Australia and not return to help combat the skill shortage in their home land, when will the labour party wake up to the fact that its an international job market and they have to play in that market, nothing to make many like myself consider returning.
b>Shane Gibson (Japan)
I applaud the initiative that Doctor Cullen has shown in his latest budget. It is as bold as those created by the first Labour government in the 1930s and will do a lot to slow New Zealand's slide into Banana Republicanism. However I do feel for the export industry, a temporary low tax rate or some greater tax credit would have been a nice gesture considering the hard times this sector has faced over these recent years due to New Zealand's strong dollar. I do not feel bad for business in general and especially not for the consumer industry. This industry, like none other, has benefited greatly at our nation's expense by making it easy for people of modest means to acquire through credit, and encouraged by the glossy manipulation of advertising, the most wonderful yet unnecessary consumer items. New Zealanders are weak and impatient when it comes to will power and so often we use hire-purchase facilities which we later repay at high rates because we lack the patience to wait until we have saved enough money before buying luxury items. Let this trait exist and continue we will soon be a Banana Republic. Doctor Cullen has done well to encourage an adjustment to this spendthrift mentality.
Marilyn Worth
I think employees will miss out on reasonable pay increases as a result and struggle even more, especially lower income earners. Also I think the Government should guarantee the funds. What if the scheme goes belly up and a person loses hundreds of thousands of dollars they thought they would have? I think the suicide and heart attack rate in NZ would go up as a result.
Venkat (Auckland)
Dr. Cullen should have definitely given a cut in personal income tax. What the doctor thinks is the tax reduction may not lead to saving which is wrong.The doctor should understand now New Zealand has good migrant population from Asia (India, Pakistan ,Sri Lanka included in addition to China, Korea etc.)Mainly the migrants especially Indians, Sri Lankans, Pakistanis are used to a saving habit back home unlike other few people who may be spending their savings in unproductive activities like drinking, gambling and betting. Definitely the tax cut would have helped these kind of people to save more which is a part of life habit. Our honourable finance minister is wrong in thinking that tax cut will not lead to savings and savings have to be imposed in a harsh way.
Neven MacEwan
We NZers are a masochistic lot, Almost everyone I've
seen in the media think KiwiSaver is a good thing, It is not! It always strikes me as strange how we firstly bag politicians and then happily abdicate responsibility to them only to be disappointed, All that was needed to was to bring back tax deductibility on qualifying investments - simple.
Auckland
Many working couples aren't getting the supplements and allowances from the government departments that they are entitled to. This goes back to the attitude under National that people should not be made aware and be put off when they apply for assistance . They are better off than single parents, predominantly mothers, who have their top income limit set so low that most do not qualify for assistance although there living expenses are equal to a 2 parent house hold; and they work twice as hard . Domestic purposes beneficiaries do not qualify for a large chunk of this assistance on their $200 benefits. Most of these one parent families are living on less a week than the amount of fi
