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	<title>Comments on: Interest on Student Loans</title>
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	<link>http://www.kiwiblog.co.nz/2009/11/interest_on_student_loans_.html</link>
	<description>DPF&#039;s Kiwiblog - Fomenting Happy Mischief since 2003</description>
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		<title>By: annie</title>
		<link>http://www.kiwiblog.co.nz/2009/11/interest_on_student_loans_.html#comment-631282</link>
		<dc:creator>annie</dc:creator>
		<pubDate>Fri, 13 Nov 2009 00:24:31 +0000</pubDate>
		<guid isPermaLink="false">http://www.kiwiblog.co.nz/?p=38232#comment-631282</guid>
		<description>Dr Skegg is the &#039;differential tax on fatty foods&#039; guy - isn&#039;t he from another planet?</description>
		<content:encoded><![CDATA[<p>Dr Skegg is the &#8216;differential tax on fatty foods&#8217; guy &#8211; isn&#8217;t he from another planet?</p>
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		<title>By: getstaffed</title>
		<link>http://www.kiwiblog.co.nz/2009/11/interest_on_student_loans_.html#comment-631137</link>
		<dc:creator>getstaffed</dc:creator>
		<pubDate>Thu, 12 Nov 2009 19:36:34 +0000</pubDate>
		<guid isPermaLink="false">http://www.kiwiblog.co.nz/?p=38232#comment-631137</guid>
		<description>&lt;blockquote&gt;but it’s the blatant hatred you have for people having a hard time on low incomes and/or the dole that should piss a lot of people off.&lt;/blockquote&gt;

Blatant hatred? Where?  Before your prejudice gets too worked up a bit of background. I left school at 17 to drive a delivery truck, and have always worked bloody hard. Been made redundant twice and had a couple of long&#039;ish stints without work courtesy of being a contractor. If have never taken a cent of welfare despite it being available. 

Poverty is defined by a lack of choice. Is most cases welfare is a social narcotic that traps people in a lifestyle of dependence thereby perpetuating their personal poverty. If I hate anything, it&#039;s the attitude of entitlement that has far too many Kiwi&#039;s locked in self-pity and dependence. In my view, if those people feel any pain from any form of disentitlement then that&#039;s a positive thing, for them and for the taxpayers that have been supporting their disinclinations.

Back on topic, student loan should attract interest and the state funding for courses should be directed at those that will help grow our economy. Agriculture, engineering, industrial design etc. Those that want to study interpretive dance or advanced Ecuadorian policy analysis should foot 100% of the real costs.</description>
		<content:encoded><![CDATA[<blockquote><p>but it’s the blatant hatred you have for people having a hard time on low incomes and/or the dole that should piss a lot of people off.</p></blockquote>
<p>Blatant hatred? Where?  Before your prejudice gets too worked up a bit of background. I left school at 17 to drive a delivery truck, and have always worked bloody hard. Been made redundant twice and had a couple of long&#8217;ish stints without work courtesy of being a contractor. If have never taken a cent of welfare despite it being available. </p>
<p>Poverty is defined by a lack of choice. Is most cases welfare is a social narcotic that traps people in a lifestyle of dependence thereby perpetuating their personal poverty. If I hate anything, it&#8217;s the attitude of entitlement that has far too many Kiwi&#8217;s locked in self-pity and dependence. In my view, if those people feel any pain from any form of disentitlement then that&#8217;s a positive thing, for them and for the taxpayers that have been supporting their disinclinations.</p>
<p>Back on topic, student loan should attract interest and the state funding for courses should be directed at those that will help grow our economy. Agriculture, engineering, industrial design etc. Those that want to study interpretive dance or advanced Ecuadorian policy analysis should foot 100% of the real costs.</p>
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		<title>By: Chthoniid</title>
		<link>http://www.kiwiblog.co.nz/2009/11/interest_on_student_loans_.html#comment-631119</link>
		<dc:creator>Chthoniid</dc:creator>
		<pubDate>Thu, 12 Nov 2009 18:58:40 +0000</pubDate>
		<guid isPermaLink="false">http://www.kiwiblog.co.nz/?p=38232#comment-631119</guid>
		<description>@Steve
&lt;blockquote&gt;You mean Students would have to take notes, pay attention and learn?
Instead of having it all handed out so they can study at the beach?
Hahahaha! We are dealing with the “I want” brigade here.&lt;/blockquote&gt;

Two-way street my friend, a lot of lecturers in &#039;the good old days&#039; were appalling.  A good lecturer can hold the attention of students, maintain attendance.  And in my experience there is little difference in an A or B student now relative to &#039;the good old days&#039;.

Just don&#039;t press me too hard on my opinion of C students ;)</description>
		<content:encoded><![CDATA[<p>@Steve</p>
<blockquote><p>You mean Students would have to take notes, pay attention and learn?<br />
Instead of having it all handed out so they can study at the beach?<br />
Hahahaha! We are dealing with the “I want” brigade here.</p></blockquote>
<p>Two-way street my friend, a lot of lecturers in &#8216;the good old days&#8217; were appalling.  A good lecturer can hold the attention of students, maintain attendance.  And in my experience there is little difference in an A or B student now relative to &#8216;the good old days&#8217;.</p>
<p>Just don&#8217;t press me too hard on my opinion of C students <img src='http://www.kiwiblog.co.nz/wp-includes/images/smilies/icon_wink.gif' alt=';)' class='wp-smiley' /> </p>
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		<title>By: rightofattila</title>
		<link>http://www.kiwiblog.co.nz/2009/11/interest_on_student_loans_.html#comment-631117</link>
		<dc:creator>rightofattila</dc:creator>
		<pubDate>Thu, 12 Nov 2009 18:27:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.kiwiblog.co.nz/?p=38232#comment-631117</guid>
		<description>This concept of 10/90 cost of course verses student fees.  Has any media looked into this, I&#039;m thinking an average full time uni student (even basic BA not dental) would be borrowing somewhere between $3000 to $4000 on course fees (best estimate from what I&#039;ve gathered).  Well if that&#039;s 10% of the real cost what the hell is going on?  I&#039;m on a high school board of trustees and secondary education funding is miles off $30000 to $40000 a year per student!!!.</description>
		<content:encoded><![CDATA[<p>This concept of 10/90 cost of course verses student fees.  Has any media looked into this, I&#8217;m thinking an average full time uni student (even basic BA not dental) would be borrowing somewhere between $3000 to $4000 on course fees (best estimate from what I&#8217;ve gathered).  Well if that&#8217;s 10% of the real cost what the hell is going on?  I&#8217;m on a high school board of trustees and secondary education funding is miles off $30000 to $40000 a year per student!!!.</p>
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		<title>By: rightofattila</title>
		<link>http://www.kiwiblog.co.nz/2009/11/interest_on_student_loans_.html#comment-631113</link>
		<dc:creator>rightofattila</dc:creator>
		<pubDate>Thu, 12 Nov 2009 18:10:27 +0000</pubDate>
		<guid isPermaLink="false">http://www.kiwiblog.co.nz/?p=38232#comment-631113</guid>
		<description>We gotta hold off on students taking large loans for rubbish courses, interest free wouldn&#039;t be a problem if there wasn&#039;t 1000&#039;s of people racking up big debts.</description>
		<content:encoded><![CDATA[<p>We gotta hold off on students taking large loans for rubbish courses, interest free wouldn&#8217;t be a problem if there wasn&#8217;t 1000&#8217;s of people racking up big debts.</p>
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		<title>By: Redbaiter</title>
		<link>http://www.kiwiblog.co.nz/2009/11/interest_on_student_loans_.html#comment-631105</link>
		<dc:creator>Redbaiter</dc:creator>
		<pubDate>Thu, 12 Nov 2009 11:19:49 +0000</pubDate>
		<guid isPermaLink="false">http://www.kiwiblog.co.nz/?p=38232#comment-631105</guid>
		<description>&quot;Low traffic nite at the SubStandard QS?&quot;

Which would make it different from every other night in what way?? Collection of arse licking commie sycophants who are as boring as shit.</description>
		<content:encoded><![CDATA[<p>&#8220;Low traffic nite at the SubStandard QS?&#8221;</p>
<p>Which would make it different from every other night in what way?? Collection of arse licking commie sycophants who are as boring as shit.</p>
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		<title>By: EPMU</title>
		<link>http://www.kiwiblog.co.nz/2009/11/interest_on_student_loans_.html#comment-631104</link>
		<dc:creator>EPMU</dc:creator>
		<pubDate>Thu, 12 Nov 2009 11:16:43 +0000</pubDate>
		<guid isPermaLink="false">http://www.kiwiblog.co.nz/?p=38232#comment-631104</guid>
		<description>Low traffic nite at the SubStandard QS?</description>
		<content:encoded><![CDATA[<p>Low traffic nite at the SubStandard QS?</p>
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		<title>By: Redbaiter</title>
		<link>http://www.kiwiblog.co.nz/2009/11/interest_on_student_loans_.html#comment-631103</link>
		<dc:creator>Redbaiter</dc:creator>
		<pubDate>Thu, 12 Nov 2009 11:15:16 +0000</pubDate>
		<guid isPermaLink="false">http://www.kiwiblog.co.nz/?p=38232#comment-631103</guid>
		<description>The stats totally refute your claim that without welfare crime would be a problem. 

The stats in fact show the contrary, that welfare produces crime. 

As for your pathetically inadequate link, government spending and welfare are two different things you sad illogical poorly educated time wasting dropkick. Now fuck off like you said you were going to, and stop wasting my time with your infantile shit.</description>
		<content:encoded><![CDATA[<p>The stats totally refute your claim that without welfare crime would be a problem. </p>
<p>The stats in fact show the contrary, that welfare produces crime. </p>
<p>As for your pathetically inadequate link, government spending and welfare are two different things you sad illogical poorly educated time wasting dropkick. Now fuck off like you said you were going to, and stop wasting my time with your infantile shit.</p>
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		<title>By: quietlyscanning</title>
		<link>http://www.kiwiblog.co.nz/2009/11/interest_on_student_loans_.html#comment-631102</link>
		<dc:creator>quietlyscanning</dc:creator>
		<pubDate>Thu, 12 Nov 2009 11:10:12 +0000</pubDate>
		<guid isPermaLink="false">http://www.kiwiblog.co.nz/?p=38232#comment-631102</guid>
		<description>Hang on you wingnut, those stats mean nothing. Look at this list and compare it to yours.

http://anepigone.blogspot.com/2008/03/government-spending-as-percentage-of.html

See Qatar? We&#039;re number 51 ffs...it&#039;s all about reporting ability</description>
		<content:encoded><![CDATA[<p>Hang on you wingnut, those stats mean nothing. Look at this list and compare it to yours.</p>
<p><a href="http://anepigone.blogspot.com/2008/03/government-spending-as-percentage-of.html" rel="nofollow">http://anepigone.blogspot.com/2008/03/government-spending-as-percentage-of.html</a></p>
<p>See Qatar? We&#8217;re number 51 ffs&#8230;it&#8217;s all about reporting ability</p>
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		<title>By: Redbaiter</title>
		<link>http://www.kiwiblog.co.nz/2009/11/interest_on_student_loans_.html#comment-631101</link>
		<dc:creator>Redbaiter</dc:creator>
		<pubDate>Thu, 12 Nov 2009 11:02:52 +0000</pubDate>
		<guid isPermaLink="false">http://www.kiwiblog.co.nz/?p=38232#comment-631101</guid>
		<description>You said without *welfare*, crime would be widespread.</description>
		<content:encoded><![CDATA[<p>You said without *welfare*, crime would be widespread.</p>
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		<title>By: Redbaiter</title>
		<link>http://www.kiwiblog.co.nz/2009/11/interest_on_student_loans_.html#comment-631100</link>
		<dc:creator>Redbaiter</dc:creator>
		<pubDate>Thu, 12 Nov 2009 10:59:06 +0000</pubDate>
		<guid isPermaLink="false">http://www.kiwiblog.co.nz/?p=38232#comment-631100</guid>
		<description>You&#039;re just another commie know nothing. Full of legend, propaganda and misinformation. Been fun kicking your arse all over Kiwiblog. Run along now buffoon.</description>
		<content:encoded><![CDATA[<p>You&#8217;re just another commie know nothing. Full of legend, propaganda and misinformation. Been fun kicking your arse all over Kiwiblog. Run along now buffoon.</p>
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		<title>By: quietlyscanning</title>
		<link>http://www.kiwiblog.co.nz/2009/11/interest_on_student_loans_.html#comment-631099</link>
		<dc:creator>quietlyscanning</dc:creator>
		<pubDate>Thu, 12 Nov 2009 10:56:10 +0000</pubDate>
		<guid isPermaLink="false">http://www.kiwiblog.co.nz/?p=38232#comment-631099</guid>
		<description>I hope you get the irony in your own postings. Absolute nutter...been fun</description>
		<content:encoded><![CDATA[<p>I hope you get the irony in your own postings. Absolute nutter&#8230;been fun</p>
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		<title>By: Redbaiter</title>
		<link>http://www.kiwiblog.co.nz/2009/11/interest_on_student_loans_.html#comment-631098</link>
		<dc:creator>Redbaiter</dc:creator>
		<pubDate>Thu, 12 Nov 2009 10:55:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.kiwiblog.co.nz/?p=38232#comment-631098</guid>
		<description>Why are you changing the subject?

 You said without poverty, crime would be widespread. Yet there you have oil rich Norway or Denmark for example, absolutely profligate with welfare, and they are at the top of the crime tables. 

I have lived in Indonesia where poverty is widespread, and crime is neglible and there is virtually no welfare..

I&#039;ll tell you why you changed the subject. You&#039;re full of mindless commie shit that won&#039;t stand logical scrutiny.</description>
		<content:encoded><![CDATA[<p>Why are you changing the subject?</p>
<p> You said without poverty, crime would be widespread. Yet there you have oil rich Norway or Denmark for example, absolutely profligate with welfare, and they are at the top of the crime tables. </p>
<p>I have lived in Indonesia where poverty is widespread, and crime is neglible and there is virtually no welfare..</p>
<p>I&#8217;ll tell you why you changed the subject. You&#8217;re full of mindless commie shit that won&#8217;t stand logical scrutiny.</p>
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		<title>By: quietlyscanning</title>
		<link>http://www.kiwiblog.co.nz/2009/11/interest_on_student_loans_.html#comment-631096</link>
		<dc:creator>quietlyscanning</dc:creator>
		<pubDate>Thu, 12 Nov 2009 10:51:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.kiwiblog.co.nz/?p=38232#comment-631096</guid>
		<description>LOL! That has long been discredited redherringbait. New Zealand more crime than Yemen? They are practically at war with Islamists! Than Mexico?? Have you been to any of these places...I have to a few and I know where you&#039;re less likely to be a victim. We have relatively trusted police and a much better statistic gathering ability along with most of the top few, must have something to do with government spending...or something.</description>
		<content:encoded><![CDATA[<p>LOL! That has long been discredited redherringbait. New Zealand more crime than Yemen? They are practically at war with Islamists! Than Mexico?? Have you been to any of these places&#8230;I have to a few and I know where you&#8217;re less likely to be a victim. We have relatively trusted police and a much better statistic gathering ability along with most of the top few, must have something to do with government spending&#8230;or something.</p>
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		<title>By: Redbaiter</title>
		<link>http://www.kiwiblog.co.nz/2009/11/interest_on_student_loans_.html#comment-631095</link>
		<dc:creator>Redbaiter</dc:creator>
		<pubDate>Thu, 12 Nov 2009 10:47:33 +0000</pubDate>
		<guid isPermaLink="false">http://www.kiwiblog.co.nz/?p=38232#comment-631095</guid>
		<description>&quot; it’s the blatant hatred you have for people having a hard time on low incomes&quot;

You can&#039;t ever argue on the facts you commies. You always have to try and destroy your opposition with lies smears and false allegations. Want to do things differently to the Progressives, you&#039;re automatically an evil uncaring monster. Straight from the Joe Stalin book on false accusations, midnight arrests, kangaroo courts, stacked juries, bribed judges and banishment to the gulags. Same old same old all time favourite commie strategies.</description>
		<content:encoded><![CDATA[<p>&#8221; it’s the blatant hatred you have for people having a hard time on low incomes&#8221;</p>
<p>You can&#8217;t ever argue on the facts you commies. You always have to try and destroy your opposition with lies smears and false allegations. Want to do things differently to the Progressives, you&#8217;re automatically an evil uncaring monster. Straight from the Joe Stalin book on false accusations, midnight arrests, kangaroo courts, stacked juries, bribed judges and banishment to the gulags. Same old same old all time favourite commie strategies.</p>
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		<title>By: quietlyscanning</title>
		<link>http://www.kiwiblog.co.nz/2009/11/interest_on_student_loans_.html#comment-631094</link>
		<dc:creator>quietlyscanning</dc:creator>
		<pubDate>Thu, 12 Nov 2009 10:40:39 +0000</pubDate>
		<guid isPermaLink="false">http://www.kiwiblog.co.nz/?p=38232#comment-631094</guid>
		<description>Haha correlation doesn&#039;t necessarily mean causation now does it? I think you&#039;ll find there are many equally relevant correlations. It doesn&#039;t disprove anything. 
I mean shit, I&#039;d love it if there were more entrepreneurs out there, but I&#039;m not willing to get rid of my safety net just so you can pay a few less cents on the dollar. I agree more should be done to encourage it, but it&#039;s the blatant hatred you have for people having a hard time on low incomes and/or the dole that should piss a lot of people off. Oh wait, wrong blog</description>
		<content:encoded><![CDATA[<p>Haha correlation doesn&#8217;t necessarily mean causation now does it? I think you&#8217;ll find there are many equally relevant correlations. It doesn&#8217;t disprove anything.<br />
I mean shit, I&#8217;d love it if there were more entrepreneurs out there, but I&#8217;m not willing to get rid of my safety net just so you can pay a few less cents on the dollar. I agree more should be done to encourage it, but it&#8217;s the blatant hatred you have for people having a hard time on low incomes and/or the dole that should piss a lot of people off. Oh wait, wrong blog</p>
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		<title>By: Redbaiter</title>
		<link>http://www.kiwiblog.co.nz/2009/11/interest_on_student_loans_.html#comment-631093</link>
		<dc:creator>Redbaiter</dc:creator>
		<pubDate>Thu, 12 Nov 2009 10:16:16 +0000</pubDate>
		<guid isPermaLink="false">http://www.kiwiblog.co.nz/?p=38232#comment-631093</guid>
		<description>&quot;If anything, these institutions are more efficient because of their scale.&quot;

They are corrupt crumbling edifices that prove to anyone not brain fucked by socialist dogma just what a disastorous destructive force socialism is.

&quot;with the increased crime, poverty, and general shitstorm that will occur if we follow your policy to it’s logical conclusion.&quot;

Funny then, that whereever western countries are run by commie goons like you, crime is at its highest-

http://www.nationmaster.com/graph/cri_tot_cri_percap-crime-total-crimes-per-capita

While in Indonesia, (for example) where there is dire poverty, but little welfare, crime hardly even features as a social measure.</description>
		<content:encoded><![CDATA[<p>&#8220;If anything, these institutions are more efficient because of their scale.&#8221;</p>
<p>They are corrupt crumbling edifices that prove to anyone not brain fucked by socialist dogma just what a disastorous destructive force socialism is.</p>
<p>&#8220;with the increased crime, poverty, and general shitstorm that will occur if we follow your policy to it’s logical conclusion.&#8221;</p>
<p>Funny then, that whereever western countries are run by commie goons like you, crime is at its highest-</p>
<p><a href="http://www.nationmaster.com/graph/cri_tot_cri_percap-crime-total-crimes-per-capita" rel="nofollow">http://www.nationmaster.com/graph/cri_tot_cri_percap-crime-total-crimes-per-capita</a></p>
<p>While in Indonesia, (for example) where there is dire poverty, but little welfare, crime hardly even features as a social measure.</p>
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		<title>By: Banana Llama</title>
		<link>http://www.kiwiblog.co.nz/2009/11/interest_on_student_loans_.html#comment-631092</link>
		<dc:creator>Banana Llama</dc:creator>
		<pubDate>Thu, 12 Nov 2009 10:15:19 +0000</pubDate>
		<guid isPermaLink="false">http://www.kiwiblog.co.nz/?p=38232#comment-631092</guid>
		<description>When you tax someone you take their labour and give it to another individual just like you would if you owned a slave and you think we are financially free? people living in a basic barter society are more free than we will ever be, you don&#039;t even get a pay check without the government taking their cut first not to mention the historic levels of debt from following a policy of appeasing minority&#039;s.

If you are worried about a shitstorm look no further than the present.</description>
		<content:encoded><![CDATA[<p>When you tax someone you take their labour and give it to another individual just like you would if you owned a slave and you think we are financially free? people living in a basic barter society are more free than we will ever be, you don&#8217;t even get a pay check without the government taking their cut first not to mention the historic levels of debt from following a policy of appeasing minority&#8217;s.</p>
<p>If you are worried about a shitstorm look no further than the present.</p>
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		<title>By: getstaffed</title>
		<link>http://www.kiwiblog.co.nz/2009/11/interest_on_student_loans_.html#comment-631091</link>
		<dc:creator>getstaffed</dc:creator>
		<pubDate>Thu, 12 Nov 2009 10:10:49 +0000</pubDate>
		<guid isPermaLink="false">http://www.kiwiblog.co.nz/?p=38232#comment-631091</guid>
		<description>&lt;blockquote&gt;You can spend your after tax income on whatever you want&lt;/blockquote&gt;

Indeed, but for me the little problem is the word &#039;after&#039;. As in &#039;after&#039; the government of the day has extracted as much of my earnings as humanly possible so as to pay for a widened scope of welfare entitlement thereby gaining additional, willing voters. 

As for policies and their logical conclusion, are welfare levels since 1970 and the crime rates over the same period correlated, or anti-correlated?</description>
		<content:encoded><![CDATA[<blockquote><p>You can spend your after tax income on whatever you want</p></blockquote>
<p>Indeed, but for me the little problem is the word &#8216;after&#8217;. As in &#8216;after&#8217; the government of the day has extracted as much of my earnings as humanly possible so as to pay for a widened scope of welfare entitlement thereby gaining additional, willing voters. </p>
<p>As for policies and their logical conclusion, are welfare levels since 1970 and the crime rates over the same period correlated, or anti-correlated?</p>
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		<title>By: quietlyscanning</title>
		<link>http://www.kiwiblog.co.nz/2009/11/interest_on_student_loans_.html#comment-631090</link>
		<dc:creator>quietlyscanning</dc:creator>
		<pubDate>Thu, 12 Nov 2009 10:01:22 +0000</pubDate>
		<guid isPermaLink="false">http://www.kiwiblog.co.nz/?p=38232#comment-631090</guid>
		<description>Banana Llama. Typical, no one said that. And enslavement? We must be some of the freeist people financially in the world. You can spend your after tax income on whatever you want, there is no compulsory saving aka singapore or aussie. Tax rates are average if you look at the history of taxation. Actually the way I look at is there are always going to be layabouts better to pay that tiny minority off and give their kids a chance than deal with the increased crime, poverty, and general shitstorm that will occur if we follow your policy to it&#039;s logical conclusion.</description>
		<content:encoded><![CDATA[<p>Banana Llama. Typical, no one said that. And enslavement? We must be some of the freeist people financially in the world. You can spend your after tax income on whatever you want, there is no compulsory saving aka singapore or aussie. Tax rates are average if you look at the history of taxation. Actually the way I look at is there are always going to be layabouts better to pay that tiny minority off and give their kids a chance than deal with the increased crime, poverty, and general shitstorm that will occur if we follow your policy to it&#8217;s logical conclusion.</p>
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