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Forcing people to repay welfare ‘loans’ traps them in a poverty cycle – where is the policy debate about that?

<p><em><a href="https://theconversation.com/profiles/hanna-wilberg-1466649">Hanna Wilberg</a>, <a href="https://theconversation.com/institutions/university-of-auckland-1305">University of Auckland</a></em></p> <p>The National Party’s <a href="https://www.1news.co.nz/2023/09/26/more-sanctions-for-unemployed-beneficiaries-under-national/">pledge to apply sanctions</a> to unemployed people receiving a welfare payment, if they are “persistently” failing to meet the criteria for receiving the benefit, has attracted plenty of comment and <a href="https://www.1news.co.nz/2023/09/26/nationals-benefit-sanctions-plan-cruel-dehumanising-greens/">criticism</a>.</p> <p>Less talked about has been the party’s promise to index benefits to inflation to keep pace with the cost of living. This might at least provide some relief to those struggling to make ends meet on welfare, though is not clear how much difference it would make to the current system of indexing benefits to wages.</p> <p>In any case, this alone it is unlikely to break the cycle of poverty many find themselves in.</p> <p>One of the major drivers of this is the way the welfare system pushes some of the most vulnerable people into debt with loans for things such as school uniforms, power bills and car repairs.</p> <p>The government provides one-off grants to cover benefit shortfalls. But most of these grants are essentially loans.</p> <p>People receiving benefits are required to repay the government through weekly deductions from their normal benefits – which leaves them with even less money to survive on each week.</p> <p>With <a href="https://www.stuff.co.nz/pou-tiaki/132980318/auckland-mother-serves-up-cereal-for-dinner-due-to-rising-food-costs">rising costs</a>, the situation is only getting worse for many of the 351,756 New Zealanders <a href="https://figure.nz/chart/TtiUrpceJruy058e-ITw010dHsM6bvA2a">accessing one of the main benefits</a>.</p> <h2>Our whittled down welfare state</h2> <p>Broadly, there are three levels of government benefits in our current system.</p> <p>The main benefits (such as jobseeker, sole parent and supported living payment) <a href="https://www.workandincome.govt.nz/products/benefit-rates/benefit-rates-april-2023.html">pay a fixed weekly amount</a>. The jobseeker benefit rate is set at NZ$337.74 and sole parents receive $472.79 a week.</p> <p>Those on benefits have access to a second level of benefits – weekly supplementary benefits such as an <a href="https://www.workandincome.govt.nz/products/a-z-benefits/accommodation-supplement.html">accommodation supplement</a> and other allowances or tax credits.</p> <p>The third level of support is one-off discretionary payments for specific essential needs.</p> <p>Those on benefits cannot realistically make ends meet without repeated use of these one-off payments, unless they use assistance from elsewhere – such as family, charity or borrowing from loan sharks.</p> <p>This problem has been building for decades.</p> <h2>Benefits have been too low for too long</h2> <p>In the 1970s, the <a href="https://mro.massey.ac.nz/handle/10179/12967">Royal Commission on Social Security</a> declared the system should provide “a standard of living consistent with human dignity and approaching that enjoyed by the majority”.</p> <p>But Ruth Richardson’s “<a href="https://www.stuff.co.nz/the-press/christchurch-life/124978983/1991-the-mother-of-all-budgets">mother of all budgets</a>” in 1991 slashed benefits. Rates never recovered and today’s <a href="https://www.1news.co.nz/2022/03/29/benefit-increases-will-still-leave-families-locked-in-poverty/">benefits are not enough to live on</a>.</p> <p>In 2018, the <a href="https://www.weag.govt.nz/">Welfare Expert Advisory Group</a> looked at how much money households need in two lifestyle scenarios: bare essentials and a minimum level of participation in the community, such as playing a sport and taking public transport.</p> <p>The main benefits plus supplementary allowances did not meet the cost of the bare essentials, let alone minimal participation.</p> <p>The Labour government has since <a href="https://www.beehive.govt.nz/release/government-delivers-income-increases-over-14-million-new-zealanders">increased benefit rates</a>, meaning they are now slightly above those recommended by the advisory group. But those recommendations were made in 2019 and don’t take into account the <a href="https://www.stats.govt.nz/news/annual-inflation-at-6-0-percent">sharp rise in inflation</a> since then.</p> <p>Advocacy group <a href="https://fairerfuture.org.nz/">Fairer Future</a> published an updated assessment in 2022 – nine out of 13 types of households still can’t meet their core costs with the current benefit rates.</p> <h2>How ‘advances’ create debt traps</h2> <p>When they don’t have money for an essential need, people on benefits can receive a “special needs grant”, which doesn’t have to be repaid. But in practice, Work and Income virtually never makes this type of grant for anything except food and some other specific items, such as some health travel costs or emergency dental treatment.</p> <p>For <a href="https://www.1news.co.nz/2023/02/27/very-stressful-beneficiary-says-he-cant-afford-msd-debt/">all other essential needs</a> – such as school uniforms, car repairs, replacing essential appliances, overdue rent, power bills and tenancy bonds – a one-off payment called an “advance” is used. Advances are loans and have to be paid back.</p> <p>There are several issues with these types of loans.</p> <p>First, people on benefits are racking up thousands of dollars worth of debts to cover their essential needs. It serves to trap them in financial difficulties for the foreseeable future.</p> <p>As long as they remain on benefits or low incomes, it’s difficult to repay these debts. And the <a href="https://www.legislation.govt.nz/act/public/2018/0032/latest/whole.html">Social Security Act 2018</a> doesn’t allow the Ministry of Social Development (MSD) to waive debts.</p> <h2>Contradictory policies</h2> <p>Another problem is that people on benefits have to start repaying their debt straight away, with weekly deductions coming out of their already limited benefit.</p> <p>Each new advance results in a further weekly deduction. Often these add up to $50 a week or more. MSD policy says repayments should not add up to more than $40 a week, but that is often ignored.</p> <p>This happens because the law stipulates that each individual debt should be repaid in no more than two years, unless there are exceptional circumstances. Paying this debt off in two years often requires total deductions to be much higher than $40.</p> <p>The third issue is that one-off payments can be refused regardless of the need. That is because there are two provisions pulling in opposite directions.</p> <p>On the one hand the law says a payment should be made if not making it would cause serious hardship. But on the other hand, the law also says payments should not be made if the person already has too much debt.</p> <p>People receiving benefits and their case managers face the choice between more debt and higher repayments, or failing to meet an essential need.</p> <h2>Ways to start easing the burden</h2> <p>So what is the fix? A great deal could be achieved by just changing the policies and practices followed by Work and Income.</p> <p>Case managers have the discretion to make non-recoverable grants for non-food essential needs. These could and should be used when someone has an essential need, particularly when they already have significant debt.</p> <p>Weekly deductions for debts could also be automatically made very low.</p> <p>When it comes to changing the law, the best solution would be to make weekly benefit rates adequate to live on.</p> <p>The government could also make these benefit debts similar to student loans, with no repayments required until the person is off the benefit and their income is above a certain threshold.</p> <p>However we do it, surely it must be time to do something to fix this poverty trap.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/212528/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/hanna-wilberg-1466649"><em>Hanna Wilberg</em></a><em>, Associate professor - Law, <a href="https://theconversation.com/institutions/university-of-auckland-1305">University of Auckland</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/forcing-people-to-repay-welfare-loans-traps-them-in-a-poverty-cycle-where-is-the-policy-debate-about-that-212528">original article</a>.</em></p>

Money & Banking

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1 in 4 households struggle to pay power bills. Here are 5 ways to tackle hidden energy poverty

<p><a href="https://energyconsumersaustralia.com.au/news/how-increases-in-energy-prices-are-impacting-consumers#:%7E:text=Energy%2520affordability%2520is%2520not%2520just,in%2520the%2520past%252012%2520months.">One in four Australian households</a> are finding it hard to pay their gas and electricity bills. As winter looms, <a href="https://www.aer.gov.au/news-release/default-market-offer-2023%25E2%2580%259324-draft-determination">energy price rises</a> will make it even harder. Cold homes and disconnections resulting from energy poverty threaten people’s health and wellbeing.</p> <p><a href="https://www.acoss.org.au/wp-content/uploads/2023/03/ACOSS-cost-of-living-report2-March-2023_web_FINAL.pdf">Income support for welfare recipients</a> and retrofitting homes to make them more thermally efficient – by adding insulation, for example – can ease the burden. And when homes are not too cold or hot, <a href="https://theconversation.com/fuel-poverty-makes-you-sick-so-why-has-nothing-changed-since-i-was-a-child-living-in-a-cold-home-201787">people’s health benefits</a>. This in turn <a href="https://apo.org.au/node/319556">eases pressure on the public health system</a>.</p> <p>However, many people are missing out on assistance as programs often do not recognise their difficulties. Their energy vulnerability is hidden.</p> <h2>What forms does hidden energy poverty take?</h2> <p><a href="https://www.sciencedirect.com/science/article/pii/S2214629623000737">Our newly published study</a> has revealed six aspects of hidden energy vulnerability. These are:</p> <ol> <li> <p>underconsumption – households limit or turn off cooling, heating and/or lights to avoid disconnections</p> </li> <li> <p>incidental masking – other welfare support, such as rent relief, masks difficulties in paying energy bills</p> </li> <li> <p>some households disguise energy poverty by using public facilities such as showers or pooling money for bills between families</p> </li> <li> <p>some people conceal their hardship due to pride or fear of legal consequences, such as losing custody of children if food cannot be refrigerated because the power has been cut off</p> </li> <li> <p>poor understanding of energy efficiency and the health risks of cold or hot homes adds to the problem</p> </li> <li> <p>eligibility criteria for energy assistance programs may exclude some vulnerable households. For example, people with income just above the welfare threshold are missing out on energy concessions. Energy retailer hardship programs also ignore people who have voluntarily disconnected due to financial hardship.</p> </li> </ol> <h2>5 ways to help these households</h2> <p>Our studies suggest trusted intermediaries such as people working in health, energy and social services can play a vital role in identifying and supporting such households.</p> <p>First, energy efficiency and hardship initiatives may be <a href="https://www.rmit.edu.au/about/schools-colleges/property-construction-and-project-management/research/research-centres-and-groups/sustainable-building-innovation-laboratory/projects/care-at-home-system-improvements">integrated into the My Aged Care in-home care system</a>. Energy poverty risk identification, response and referral could be built into the national service’s assessment form. This could leverage existing client screening processes.</p> <p>The system’s front-line staff could connect at-risk householders with energy counsellors. These counsellors could help people access better energy contracts, concessions, home retrofits and appliance upgrade programs.</p> <p>A new Commonwealth “energy supplement” could help pay for essential energy-related home modifications. This would help avoid My Aged Care funds being diverted from immediate healthcare needs.</p> <p>Second, general practitioners and other health professionals could help identify energy vulnerability among patients with medical conditions of concern. They could also provide letters of support emphasising renters’ health-based need for air conditioners or heaters.</p> <p>Third, energy providers could use household energy data to identify those that seem to be under-consuming or are often disconnected. They could also identify those that are not on “best offer” deals. They could be proactive in checking struggling householders’ eligibility for ongoing energy concessions and one-off debt relief grants offered by states and territories.</p> <p>Energy providers could also make it easier for social housing providers to ensure concessions for tenants renew automatically.</p> <p>Fourth, local councils could use their data to identify at-risk householders. They might include those with a disability parking permit, discounted council rates or in arrears, on the social housing waiting list, Meals on Wheels clients and social housing tenants. Maternal and child health nurses and home and community care workers making home visits could call attention to cold or hot homes.</p> <p>Councils could employ in-house energy counsellors to provide assistance and energy literacy training. Council home maintenance teams could develop bulk-buying, insulation and neighbourhood retrofit programs.</p> <p>Strategies to reduce vulnerability to energy poverty should be part of municipal public health and wellbeing plans. Under these strategies, net-zero-carbon funds set up by states and local councils to reduce emissions could finance targeted housing retrofits.</p> <p>We also suggest setting up a central helpline to improve access to energy assistance via local referrals.</p> <p>Fifth, residential energy-efficiency programs could become more person-centric. For example, we already have <a href="https://www.homescorecard.gov.au/">Residential Efficiency Scorecard</a> audits to assess the thermal quality of a home. These audits could also explore whether concessions and better energy deals are available to the household.</p> <h2>Building capacity at all levels</h2> <p><a href="https://cur.org.au/cms/wp-content/uploads/2021/08/tackling-hidden-energy-final.pdf">Capacity-building strategies</a> are needed at all levels – individual, community and government – to overcome the <a href="https://www.sciencedirect.com/science/article/pii/S2214629623000737">challenges</a> of reducing energy poverty. Current obstacles include the competing priorities of service providers, lack of time and resources, and <a href="https://www.sciencedirect.com/science/article/abs/pii/S2214629622003553">poor co-ordination between siloed</a> programs and services.</p> <p>Access to essential energy services should be part of state and local governments’ strategic health plans. Housing, energy and health departments could work together to include housing retrofits in preventive health programs.</p> <p>A comprehensive approach is needed to overcome hidden energy poverty. It must include public education, integrated services and well-funded energy-efficiency programs. Regulatory reforms and ongoing funding are both needed to improve the availability of energy-efficient, affordable homes for tenants.</p> <p>Our suggested strategies start with improving the skills and knowledge of trusted intermediaries. Doctors, social workers, housing officers, community nurses and volunteers can play a central role. Using these front-line professionals to help identify and act on energy poverty offers a novel, cost-effective and targeted solution.</p> <p><em>This article originally appeared on <a href="https://theconversation.com/1-in-4-households-struggle-to-pay-power-bills-here-are-5-ways-to-tackle-hidden-energy-poverty-204672" target="_blank" rel="noopener">The Conversation</a>.</em></p> <p><em>Images: Getty</em></p>

Home Hints & Tips

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Why are the poor shunned? The reasons are complicated

<p>In a <a href="https://www.cambridge.org/core/journals/central-european-history/article/what-it-means-to-have-nothing-poverty-and-the-idea-of-human-dignity-in-nineteenthcentury-germany/8C8F12F666689B75396E67A212E69EBD">study</a> of 19th century ideas of poverty, the German historian Beate Althammer observes a strange dichotomy. On the one hand, “there existed a deep-rooted tradition of ascribing to the poor a special proximity to God”. </p> <p>As a Hamburg teacher wrote in 1834, "Who obliges us more to sympathy and reverence than he who faces the inescapable blows of an erratic fate with manly steadiness, pious resignation and wise abstinence? What a dignified appearance is the neediness simultaneously ennobled and keenly veiled by an indestructible love of honor, which will bear suffering rather than pity!"</p> <p>Yet the same teacher sounds a dissonant note when writing about the “depraved, ignominious poverty” of the beggar, “who has rid himself of all shame and discipline on the way to impoverishment”. </p> <p>“Where idleness has become a trade and begging a fraudulent art,” he continues, “all human feeling has died.”</p> <p>The idea that the poor are impoverished morally as well as materially, that they lack humanity as well as means, has a long history. It is expressed most mordantly in Jonathan Swift’s <a href="https://www.gutenberg.org/files/1080/1080-h/1080-h.htm">A Modest Proposal</a>, a 1729 satire on British attitudes to Irish poverty. </p> <p>Starvation among large families could be averted with a simple solution, "A young healthy child well nursed, is, at a year old, a most delicious nourishing and wholesome food, whether stewed, roasted, baked, or boiled; and I make no doubt that it will equally serve in a fricassee, or a ragout."</p> <p>Swift’s suggestion that poor children could become a commercial food source is mocking heartless responses to poverty. His “proposal” rests on a dehumanising equation of people with animals or consumer goods. A new book argues that this animus is an enduring feature of contemporary society.</p> <h2>Aporophobia</h2> <p><a href="https://en.wikipedia.org/wiki/Adela_Cortina">Adela Cortina</a> is a distinguished Spanish political philosopher who has written extensively on ethics, justice, civil society and democracy. Around the new millennium, she began to write on the rejection of the poor as an overlooked form of prejudice.</p> <p>Cortina coined the term “aporophobia” – from the Ancient Greek aporos, meaning poor or without means – and published an influential 2017 book on the subject in Spanish. That book has now been published in English as <a href="https://press.princeton.edu/books/hardcover/9780691205526/aporophobia">Aporophobia: Why We Reject the Poor Instead of Helping Them</a>.</p> <p>Cortina does not present aporophobia as a clinical condition or narrowly as a species of fear. Much like other faux-phobias, such as homophobia and xenophobia, she takes it to be a widespread aversion, based on contempt as much as dread, which justifies the ongoing deprecation of the poor.</p> <p>Her primary case for the reality and significance of aporophobia rests on the harsh treatment of immigrants and displaced people. What might first appear to be a xenophobic response, Cortina argues, may not be motivated by their foreignness or race, but by the perception that their poverty leaves them unable to reciprocate the host nation’s beneficence, "Do we reject immigrants because they are foreign or because they are poor and seem to bring problems while offering nothing of value in return?"</p> <p>Cortina observes that some groups of foreigners are welcomed. Tourists, investors and international students, all of whom bring resources, encounter widespread xenophilia. The roots of prejudice towards immigrants, refugees and asylum seekers, Cortina suggests, are therefore to be found in the perception of their indigence rather than their alienness.</p> <p>Having defined and made a theoretical case for aporophobia, Cortina moves on to the problem of hatred, understood as group-based animosity based on the assumed superiority of its perpetrators. </p> <p>Hate crimes against the poor and homeless motivated by aporophobia, which she estimates as constituting around 1% of Spain’s total, must be acknowledged and taken seriously. Even so, she maintains that aporophobic hatred is distinct from other kinds because “involuntary poverty […] is neither a personal identity nor a choice”.</p> <p>Cortina’s prescription for combating hate speech is the cultivation of “active respect” and “mutual recognition of dignity” in civil society. Juridical solutions are insufficient, she maintains. The grounds for objecting to hate speech is a proposed “right to self-esteem”, a right that some might seem to have in excess. </p> <p>Although many examples of hate speech appear to be based on race, religion or ideology, Cortina proposes that poverty is their essential common ingredient. Aporophobia, she argues, “is inevitably at the root of speech acts that target those in subordinate positions”. On this expansive view, any form of subordination or “position of weakness” is interpreted as a form of poverty. </p> <p>Overcoming hatred may be challenging because “our brains are aporophobic”. Cortina explores the neuroscience of social conflict, finding evidence of a “contractualist brain” that is primed to expect reciprocity and respond with moralistic aggression to violations of that principle. To override this brain-based rejection of free riders, she argues, we need a program of “moral bioenhancement”. </p> <p>The ultimate way forward does not involve tinkering with our brains, however. “Economic institutions that eliminate poverty and inequality are the best ways to eradicate aporophobia.” In addition, universal values and “cosmopolitan hospitality” must be taught and practised. Cortina closes her book with suggestions for how a more compassionate citizenry and a more economically fair international order can be created.</p> <h2>Impoverished emotions</h2> <p>Cortina’s work is a philosophically rich and sometimes rousing call to end poverty and secure human dignity. Whether the concept of aporophobia can bear the interpretive load she places on it is another matter. The concept is both too narrow and too ambitious to serve its intended explanatory function. Its diagnosis of the source of antipathy to the poor is questionable in three respects.</p> <p>First, the concept of aporophobia asserts that the ingredients of antipathy to the poor are fear and contempt. The poor are dreaded from a position of threat and scorned from a position of imagined superiority. These emotional elements may be present in responses to the poor, but indifference and neglect are at least equally powerful. The poor suffer as much from a cold lack of concern, reinforced by spatial separation, as they do from heated aversion. Residential segregation and national borders help to keep poverty out of sight and out of mind, but this motivated ignorance is invisible in Cortina’s account.</p> <p>Second, the concept of aporophobia overlooks a key aspects of the rejection of the poor. By centring fear and contempt, Cortina omits the moral dimension of that aversion. The poor are not merely dreaded and scorned, but are also believed to have transgressed rules of fairness. This dynamic is evident in the dichotomous reactions to the virtuous and vicious poor characters mentioned at the beginning of this review. Polarised responses to people viewed as deserving and undeserving of their impoverished state are common. Those seen as not responsible for their condition are judged worthy, whereas those who are thought to have brought it on themselves are reviled. Attitudes to the poor hinge on moral evaluations of deservingness, which ideas of amoral aversion fail to capture.</p> <p>Third, if our views of the poor are indeed polarised by judgements of deservingness, is there a powerful aversion to the poor as a class, as Cortina suggests, or only to its undeserving variety? The poor are sometimes stereotyped as lacking in warmth and capability – though <a href="https://spssi.onlinelibrary.wiley.com/doi/10.1111/josi.12208">not invariably</a>. But it is unclear whether that perception reveals attitudes to poverty per se or only to that demonised form. </p> <p><a href="https://spssi.onlinelibrary.wiley.com/doi/pdf/10.1111/asap.12313">Recent Australian research</a> suggests that evaluations of poverty may be quite benevolent. The study examined how public attitudes are influenced by poverty, unemployment and receipt of income support. It found that poverty itself carries little stigma. Members of the working poor were judged no less sympathetically than other workers. </p> <p>Being unemployed, however, carried a negative charge, and receiving unemployment benefits an additional one. Benefit recipients were perceived as less disciplined, emotionally stable and warm than other unemployed people. </p> <p>These findings are consistent with the well established phenomenon of <a href="https://www.cambridge.org/core/journals/journal-of-social-policy/article/abs/stigma-of-claiming-benefits-a-quantitative-study/AF30092AE7D5B7C659798228B219F02C">benefit stigma</a>, related to a stereotype of recipients as lazy, parasitic, and undeserving. They are not consistent with an aversion to poor people that is directly attributable to their poverty. Any account that invokes an amoral generalised aversion to the poor rather than a moralised aversion to the supposedly undeserving poor is incomplete.</p> <h2>Is aporophobia primary?</h2> <p>In addition to querying Cortina’s characterisation of the emotions underlying our views of the poor, we can also quibble with her argument for the primacy of aporophobia over xenophobia in the rejection of immigrants and displaced people. </p> <p>It is unquestionably true that attitudes to outsiders are rarely monolithically negative, and that wealthy foreigners are welcomed in ways that refugees are not. But the argument that xenophobia can be reduced to aporophobia – not to mention the more general claim that aporophobia is at the root of all forms of subordination – is entirely far-fetched. </p> <p>Our tendency to show an ethnocentric preference for our own kind – to value and favour in-group over out-group – is very <a href="https://spssi.onlinelibrary.wiley.com/doi/abs/10.1111/0022-4537.00126">well established</a> and even wealthy outsiders are not immune to it. We routinely denigrate and distrust foreign nationals, even – and sometimes especially – when they are rich and powerful. </p> <p>The fact that poverty is one reason for our rejection of immigrants or displaced persons does not make it the only one. Any rejection based on lack of means or reciprocity is compounded by rejection based on foreignness (xenophobia), on race, and potentially on other factors, such as religion or gender. </p> <p>To reduce the hostility of rich European nations to immigrants from North Africa and beyond to aporophobia, as Cortina does, or to racism, as others prefer to do, is to oversimplify. Single-barrelled explanations overlook the fact that prejudice is layered.</p> <p>Consider Australia’s historically unwelcoming attitude to many immigrants and displaced persons. It has been popular to view this rejection through a racism or xenophobia monocle. If that were the whole story, public attitudes would be equally antagonistic to immigrants, refugees admitted through the humanitarian program, and undocumented asylum seekers. But those attitudes are decidedly unequal.</p> <p>Attitudes towards immigrants are typically warmer and more compassionate than those towards refugees, with special scorn reserved for undocumented boat arrivals. Aporophobia may help to account for some of these differences: immigrants are assumed to be skilled and economically self-sufficient, whereas refugees and asylum seekers are assumed to require substantial welfare supports. </p> <p>However, much of the animus towards asylum seekers focuses not on their race, foreignness, or lack of resources, but on moralistic reactions to their mode of entry, as the shrill language of “illegals” and “queue-jumpers” attests. To reduce popular attitudes towards displaced people to racism, xenophobia or aporophobia is to bulldoze several tiers of aversion into one flattened explanation.</p> <h2>A confluence of factors</h2> <p>Social rejection can take many forms and have many determinants. The idea of “<a href="https://en.wikipedia.org/wiki/Intersectionality">intersectionality</a>” offers one perspective. How we evaluate and respond to a person may reflect the unique intersection of their identities. The stereotype of “Asian woman” is not a simple sum of the stereotypes of “Asian” and “woman” but may call up a distinct configuration of perceptions. </p> <p>Sometimes, though, it helps to remember that some attitudes are not so much intersectional as additive, at least in their virulence. How negatively we perceive groups such as asylum seekers may reflect a confluence of factors: their outsider status, their race, their poverty, their officially sanctioned versus unsanctioned means of entering the country, and so on. </p> <p>“Additivity” doesn’t have the same ring as “intersectionality”, but it might help to warn us off simplifying accounts of social exclusion.</p> <p>Aporophobia is nevertheless a valuable addition to the social scientist’s conceptual arsenal. Cortina’s work draws welcome attention to a form of prejudice that is too often shunted aside by our identitarian focus on race, gender and sexuality. </p> <p>We might quibble with some inflated claims for the primacy of aporophobia, with the imperfect analysis of its emotional signature, and with the omission of social class from Cortina’s discussion of economic inequality. Her emphasis on the rejection of displaced people within European nations – understandable given the book’s original publication in 2017 when a refugee crisis was convulsing the continent – can also be faulted. Examining public responses to the domestic poor might afford a clearer view of aporophobia than one complicated by displacement and ethnic differences.</p> <p>Despite these reservations, Cortina has written a significant work of social philosophy that deserves close attention in the Anglophone world. Aporophobia is a provocative book that will stimulate discussion, argument and investigation.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://theconversation.com/why-are-the-poor-shunned-the-reasons-are-complicated-194808" target="_blank" rel="noopener">The Conversation</a>. </em></p>

Caring

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How financial hardship is bad for our health

<p>Australia is <a href="https://www.theguardian.com/news/datablog/ng-interactive/2022/jul/27/cost-of-living-australia-price-changes-inflation-2022-sydney-melbourne-brisbane-interactive-data-explorer-june-quarter" target="_blank" rel="noopener">facing a cost-of-living crisis</a>. Rising costs of rent, fuel, food and power have increased financial stress for many households.</p> <p>While financial pressures are now being felt by a broader section of society, for many Australians, such pressures are constant.</p> <p>The health costs of such socioeconomic disadvantage are startling. A <a href="https://www.aihw.gov.au/reports/burden-of-disease/abds-impact-and-causes-of-illness-and-death-in-aus/summary" target="_blank" rel="noopener">2021 report</a> found the most disadvantaged 20% of Australians die four to six years earlier than the least disadvantaged.</p> <p>One-fifth of the country’s ill-health would be avoided if everyone enjoyed the same socioeconomic circumstances as the top 20%. Internationally, more equal societies enjoy <a href="https://equalitytrust.org.uk/resources/the-spirit-level" target="_blank" rel="noopener">better overall health</a>.</p> <p>So how does financial hardship damage health? And what can we do about it?</p> <p><strong>Shorter lives with more disease</strong></p> <p><a href="https://www.who.int/publications/i/item/WHO-IER-CSDH-08.1" target="_blank" rel="noopener">People</a> in poorer socioeconomic circumstances <a href="https://www.aihw.gov.au/reports/australias-health/health-across-socioeconomic-groups" target="_blank" rel="noopener">do worse</a> across almost all health measures. This includes life expectancy, non-communicable diseases (such as heart disease, diabetes), injuries, and as we’ve seen in the COVID pandemic, infectious diseases.</p> <p>Compared to wealthier Australians, those who are <a href="https://www.aihw.gov.au/reports/burden-of-disease/abds-impact-and-causes-of-illness-and-death-in-aus/summary" target="_blank" rel="noopener">worst-off</a> carry a health burden 40% higher for anxiety, twice as high for heart disease and more than twice as high for diabetes.</p> <p>Poor outcomes in disadvantaged groups are due to a mix of higher exposure to negative risk factors for health (environmental and occupational hazards, tobacco) and poorer access to positive factors (healthy food, preventative care, autonomy to make decisions for yourself and your family) than the broader population.</p> <p>These disparities come about through disempowerment, social discrimination and disadvantage.</p> <p>Poor health can also perpetuate financial hardship through reduced access to education, employment, and other key social resources, leading to a vicious cycle.</p> <p><strong>Financial hardship is bad for families, especially children</strong></p> <p>Households under financial stress have difficulty paying for essentials such as rent, food, clothing and heating. While they spend less in dollar terms on these items, expenditure on essentials accounts for a <a href="https://www.abs.gov.au/statistics/economy/finance/household-expenditure-survey-australia-summary-results/latest-release#financial-stress-and-spending" target="_blank" rel="noopener">greater proportion</a> of their total household income. This leaves people with less control over their wellbeing and quality of life.</p> <p>Households experiencing socioeconomic disadvantage are also at increased risk of family disruption, stigma and domestic violence. The <a href="https://www.aihw.gov.au/reports/burden-of-disease/abds-impact-and-causes-of-illness-and-death-in-aus/summary" target="_blank" rel="noopener">health burden</a> of intimate partner violence is two-and-a-half times higher in the poorest 20% compared with the most advantaged 20% of households.</p> <figure class="align-center "><img src="https://images.theconversation.com/files/491558/original/file-20221025-15-7q31vn.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/491558/original/file-20221025-15-7q31vn.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=425&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/491558/original/file-20221025-15-7q31vn.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=425&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/491558/original/file-20221025-15-7q31vn.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=425&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/491558/original/file-20221025-15-7q31vn.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=534&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/491558/original/file-20221025-15-7q31vn.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=534&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/491558/original/file-20221025-15-7q31vn.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=534&amp;fit=crop&amp;dpr=3 2262w" alt="Child draws with crayons" /><figcaption><span class="caption">Poorer families experience more disruption than wealthier families.</span> <span class="attribution"><a class="source" href="https://unsplash.com/photos/1zR3WNSTnvY">Aaron Burden</a>, <a class="license" href="http://creativecommons.org/licenses/by/4.0/">CC BY</a></span></figcaption></figure> <p>Financial hardship is particularly bad for children. Despite former Prime Minister Bob Hawke’s <a href="https://theconversation.com/we-asked-children-how-they-experienced-poverty-here-are-6-changes-needed-now-180567" target="_blank" rel="noopener">declaration</a> that “by 1990, no Australian child will be living in poverty”, around <a href="https://www.google.com/url?sa=t&amp;rct=j&amp;q=&amp;esrc=s&amp;source=web&amp;cd=&amp;cad=rja&amp;uact=8&amp;ved=2ahUKEwjG_fCh5N76AhUs2HMBHZQ3ABkQFnoECAsQAQ&amp;url=https%3A%2F%2Fpovertyandinequality.acoss.org.au%2Fwp-content%2Fuploads%2F2020%2F02%2FPoverty-in-Australia-2020_Part-1_Overview.pdf&amp;usg=AOvVaw0_EUG07PIsyiun4LTEWvj2" target="_blank" rel="noopener">one in six</a> still do. This impacts their access to food, security and social participation.</p> <p>It also has <a href="https://aifs.gov.au/research/family-matters/no-93/early-childhood-poverty-and-adult-achievement-employment-and-health" target="_blank" rel="noopener">lifelong effects</a> on their health and wellbeing, making it more likely they will experience financial hardship as adults, thus perpetuating the cycle of poverty.</p> <p><strong>Poor communities lack access to resources to improve their health</strong></p> <p>Socioeconomic disadvantage is often concentrated in particular communities, where social and environmental factors can <a href="https://aifs.gov.au/resources/policy-and-practice-papers/what-community-disadvantage-understanding-issues-overcoming" target="_blank" rel="noopener">further compromise health</a>.</p> <p>Loss of employment opportunities, limited public services and infrastructure such as transport are often exacerbated by political neglect and geographic disparities in local government resources. This is partly captured in Australia’s stark regional health inequalities: people in regional and remote areas are more likely to have <a href="https://www.aihw.gov.au/reports/burden-of-disease/abds-impact-and-causes-of-illness-and-death-in-aus/summary" target="_blank" rel="noopener">heart disease, kidney disease and injuries</a>.</p> <p>While many communities respond to these challenges, long-term community health requires support from the wider society. This includes a commitment to listen and respond to local needs and priorities, address historical injustices (particularly for Indigenous communities), and invest in sustainable <a href="https://aifs.gov.au/resources/practice-guides/what-community-development" target="_blank" rel="noopener">community development</a>.</p> <p><strong>So what can we do about it?</strong></p> <p>Financial hardship is a structural problem, so tackling it is a daunting challenge, particularly in the current economic climate. But <a href="https://journals.sagepub.com/doi/full/10.1177/14034948211022428" target="_blank" rel="noopener">international evidence shows</a> it is possible to reduce socioeconomic inequalities and improve health through collective action.</p> <p>Such efforts require a commitment to “levelling up” society <a href="https://journals.sagepub.com/doi/full/10.1177/14034948211022428" target="_blank" rel="noopener">by</a> expanding welfare, improving public services, and ensuring the political participation of disadvantaged groups.</p> <p>As the link between poverty and health is related to disempowerment, to counter the effect, we need to empower people. This means listening to those experiencing poverty and disadvantage to understand their needs and including them in decision-making.</p> <figure class="align-center "><img src="https://images.theconversation.com/files/491560/original/file-20221025-18-g16smr.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/491560/original/file-20221025-18-g16smr.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=400&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/491560/original/file-20221025-18-g16smr.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=400&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/491560/original/file-20221025-18-g16smr.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=400&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/491560/original/file-20221025-18-g16smr.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=503&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/491560/original/file-20221025-18-g16smr.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=503&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/491560/original/file-20221025-18-g16smr.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=503&amp;fit=crop&amp;dpr=3 2262w" alt="Road with lots of cars" /><figcaption><span class="caption">Reducing inequality – including providing better public transport options – can improve health outcomes in lower socioeconomic groups.</span> <span class="attribution"><a class="source" href="https://unsplash.com/photos/coFDSpl9DA8">Sandy Ravaloniaina/Unsplash</a></span></figcaption></figure> <p>Australia’s response to the COVID pandemic shows it is possible to mobilise resources and political will in the face of a public health crisis. In 2020, the Australian government <a href="https://www.theguardian.com/australia-news/2020/jul/21/jobseeker-payment-economists-on-why-its-dangerous-to-cut-covid-19-welfare-subsidy" target="_blank" rel="noopener">temporarily increased</a> the unemployment benefit from its base rate (<a href="https://melbourneinstitute.unimelb.edu.au/__data/assets/pdf_file/0008/4288661/Poverty-Lines-Australia-June-2022.pdf" target="_blank" rel="noopener">46% below the poverty line</a>) – an implicit admission these payments were inadequate.</p> <p>While poverty in Australia fell during the first two years of the pandemic, it has <a href="https://povertyandinequality.acoss.org.au/covid-inequality-and-poverty-in-2020-and-2021/" target="_blank" rel="noopener">increased again</a> as income supports have been phased out. Australia <a href="https://www.google.com/url?sa=t&amp;rct=j&amp;q=&amp;esrc=s&amp;source=web&amp;cd=&amp;cad=rja&amp;uact=8&amp;ved=2ahUKEwizj5Hi0d76AhXOJrcAHU5XCnAQFnoECCoQAQ&amp;url=https%3A%2F%2Ftaxpolicy.crawford.anu.edu.au%2Fsites%2Fdefault%2Ffiles%2Fuploads%2Ftaxstudies_crawford_anu_edu_au%2F2018-12%2Fcombined_pdf_whiteford_trends_in_soc_sec_spending_2017.pdf&amp;usg=AOvVaw3rLfo9h0WW7D7vTf1aIfD4" target="_blank" rel="noopener">spends less</a> on welfare than most high-income OECD countries and our <a href="https://www.emerald.com/insight/content/doi/10.1108/S1049-258520200000028002/full/html">taxes</a> are spread less equitably. There is plenty of scope to improve this inequality by <a href="https://povertyandinequality.acoss.org.au/poverty/" target="_blank" rel="noopener">lifting benefit levels permanently</a> to keep Australians out of poverty.</p> <p>The health costs of financial hardship and inequality constitute a public health crisis, one that requires a collective commitment to “levelling up” society: the quintessentially Australian value of giving everyone a “fair go”.</p> <p>The good news is, we have the tools to do this and the evidence to show it works – even in times of economic difficulty. Let’s make this a priority, for the sake of everyone’s health.</p> <p><em>Writen by Edward Jegasothy. Republished with permission from <a href="https://theconversation.com/disempowered-shut-off-and-less-able-to-afford-healthy-choices-how-financial-hardship-is-bad-for-our-health-192241" target="_blank" rel="noopener">The Conversation</a>.</em></p> <p><em>Image: Getty Images<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/192241/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></em></p>

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Poverty isn’t a temporary experience in Australia. We need urgent policy tackling persistent disadvantage

<p>We often hear a job is the best way to get someone out of poverty. In many cases this is true, and anti-poverty strategies should prioritise improving people’s access to jobs.</p> <p>But this isn’t the complete solution. For many – particularly those with disability or substantial caring responsibilities that limit their scope to work – the income support system remains crucial to avoiding persistent poverty.</p> <p>It may not feel like it at a time of rising living costs, but the incomes of Australians have on average risen substantially over the last three decades and continue to trend upwards – we have never been richer.</p> <p>However – <a href="https://www.pc.gov.au/research/supporting/deep-persistent-disadvantage" target="_blank" rel="noopener">as highlighted by the Productivity Commission</a> – some in the community continue to be left behind.</p> <p>Our new <a href="https://melbourneinstitute.unimelb.edu.au/__data/assets/pdf_file/0011/4107629/Breaking-Down-Barriers-Report-4-May-2022.pdf" target="_blank" rel="noopener">study of income poverty</a> shows persistent poverty remains a significant problem in Australian society.</p> <p>Looking back over the first two decades of this century, we found around 13% of the population are persistently poor.</p> <p>We defined these as people who persistently have to live on incomes that are <a href="https://ec.europa.eu/eurostat/statistics-explained/index.php?title=Glossary:At-risk-of-poverty_rate" target="_blank" rel="noopener">less than 60% of</a> the median income in Australia (a definition employed by Eurostat for European Union member countries).</p> <p>Poverty then isn’t simply a temporary experience in Australia, and tackling persistent disadvantage needs to be a policy imperative.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/461194/original/file-20220504-21-epehk7.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/461194/original/file-20220504-21-epehk7.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/461194/original/file-20220504-21-epehk7.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=400&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/461194/original/file-20220504-21-epehk7.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=400&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/461194/original/file-20220504-21-epehk7.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=400&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/461194/original/file-20220504-21-epehk7.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=503&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/461194/original/file-20220504-21-epehk7.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=503&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/461194/original/file-20220504-21-epehk7.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=503&amp;fit=crop&amp;dpr=3 2262w" alt="" /></a><figcaption><em><span class="caption">Poverty isn’t simply a temporary experience in Australia.</span> <span class="attribution"><span class="source">Shutterstock</span></span></em></figcaption></figure> <p><strong>Why do people descend in poverty – and often stay there?</strong></p> <p>Understanding what drives poverty and its persistence is an essential first step to alleviating it.</p> <p>Using data from the longitudinal Household, Income and Labour Dynamics in Australia (<a href="https://melbourneinstitute.unimelb.edu.au/hilda" target="_blank" rel="noopener">HILDA</a>) Survey, we examined the extent and nature of persistent poverty among the same sample of Australians tracked over time.</p> <p>Specifically, we looked at</p> <ul> <li>why do people descend into poverty?</li> <li>why do some people remain in poverty, while others escape it?</li> <li>why some of those who escape poverty remain out of poverty while others fall back into it.</li> </ul> <p>We also examined the degree to which the depth of poverty (how far someone’s income is below the poverty line) impacts on the likelihood of staying in poverty.</p> <p>We found persistent poverty is more prevalent among:</p> <ul> <li>women</li> <li>single-parent families</li> <li>older people</li> <li>Indigenous Australians</li> <li>people with a disability</li> <li>less-educated people, and</li> <li>people living in more disadvantaged regions.</li> </ul> <p>This is consistent with <a href="https://povertyandinequality.acoss.org.au/poverty-in-australia-2020-overview-html-version/" target="_blank" rel="noopener">previous studies of poverty</a> made at a single point in time.</p> <p>Perhaps unsurprisingly, those in deep poverty – the poorest of the poor – are the most likely to be persistently poor (up to five times more likely than the average person in the community).</p> <p>The very poor are therefore a policy priority – not only because they are very poor now, but because they are more likely to remain poor.</p> <p><strong>‘Falling’ into poverty</strong></p> <p>Similarly, among those initially not in poverty, those with incomes closest to the poverty line – the poorest of the non-poor – are at greater risk of falling into persistent poverty.</p> <p>Another policy priority therefore needs to be preventing those close to the poverty line falling into actual poverty.</p> <p>When we examined the “trigger events” for people falling into poverty or rising out of it, we found the household’s success in the labour market is critical. In other words, people need to be able to get a job.</p> <p>An increase in the number of employed people in the household is strongly associated with lifting people out of poverty.</p> <p>There is also a strong association between a lack of work and the risk of persistent poverty.</p> <p>Clearly, then, policy measures geared towards increasing employment, and retaining employment for those already employed, are key to reducing persistent poverty.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/461457/original/file-20220505-24-cgvjbn.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/461457/original/file-20220505-24-cgvjbn.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/461457/original/file-20220505-24-cgvjbn.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=400&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/461457/original/file-20220505-24-cgvjbn.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=400&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/461457/original/file-20220505-24-cgvjbn.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=400&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/461457/original/file-20220505-24-cgvjbn.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=503&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/461457/original/file-20220505-24-cgvjbn.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=503&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/461457/original/file-20220505-24-cgvjbn.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=503&amp;fit=crop&amp;dpr=3 2262w" alt="" /></a><figcaption><em><span class="caption">Another policy priority needs to be preventing those close to the poverty line falling into actual poverty.</span> <span class="attribution"><span class="source">Shutterstock</span></span></em></figcaption></figure> <p><strong>It’s not just about jobs, though</strong></p> <p>But employment isn’t the only factor of importance. Any change in family type, but particularly becoming a single-parent family, increases the risk of poverty.</p> <p>More broadly, the household context plays a crucial role in determining individuals’ poverty experiences.</p> <p>Who you live with, what they do, and what happens to them are important. The household perspective then is critical to understanding poverty and designing appropriate policy responses.</p> <p>The onset of disability or substantial caring responsibilities is also much more likely to tip you into poverty and keep you there.</p> <p>Put simply, those who are more likely to experience persistent poverty tend to be constrained in their ability to participate in the labour market. Having a job may not be an option at all.</p> <p>Focusing only on labour market-related anti-poverty policy measures therefore isn’t enough to fully address persistent poverty in the Australian community.</p> <p>Many of those highly exposed to persistent poverty have very constrained access to paid work, because of factors such as:</p> <ul> <li>long-term health conditions</li> <li>high caring responsibilities for young children or</li> <li>significant disabilities.</li> </ul> <p>Even among couple-parent households, we found the more dependent children in the household, the lower the probability of exiting poverty.</p> <p>This highlights the importance of child care assistance to facilitate employment participation and sustained income adequacy for families with young children.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/461458/original/file-20220505-26-km89qo.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/461458/original/file-20220505-26-km89qo.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/461458/original/file-20220505-26-km89qo.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=338&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/461458/original/file-20220505-26-km89qo.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=338&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/461458/original/file-20220505-26-km89qo.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=338&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/461458/original/file-20220505-26-km89qo.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=425&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/461458/original/file-20220505-26-km89qo.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=425&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/461458/original/file-20220505-26-km89qo.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=425&amp;fit=crop&amp;dpr=3 2262w" alt="" /></a><figcaption><em><span class="caption">Many of those highly exposed to persistent poverty have very constrained access to paid work, because of factors such as long-term health conditions.</span> <span class="attribution"><span class="source">Shutterstock</span></span></em></figcaption></figure> <p><strong>An unavoidable conclusion</strong></p> <p>But even improvements in child care assistance aren’t enough. The simple fact is that, for a significant number of people, income support will continue to determine their living standards.</p> <p>The unavoidable conclusion is that boosting income support payments beyond their current austere levels remains a crucial pillar of policy for governments genuinely committed to reducing persistent disadvantage.</p> <p>Unfortunately, this does not appear to be on the agenda of either of the major parties.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/181343/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/esperanza-vera-toscano-788145" target="_blank" rel="noopener">Esperanza Vera-Toscano</a>, Senior research fellow, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722" target="_blank" rel="noopener">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/roger-wilkins-95906" target="_blank" rel="noopener">Roger Wilkins</a>, Professorial Fellow and Deputy Director (Research), HILDA Survey, Melbourne Institute of Applied Economic and Social Research, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722" target="_blank" rel="noopener">The University of Melbourne</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com" target="_blank" rel="noopener">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/poverty-isnt-a-temporary-experience-in-australia-we-need-urgent-policy-tackling-persistent-disadvantage-181343" target="_blank" rel="noopener">original article</a>.</em></p> <p><em>Image: Getty Images</em></p>

Legal

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Viral Christmas photo prompts flood of donations and gifts

<p><span style="font-weight: 400;">A 12-year-old boy and his family have received a flood of donations, after a photo of him pulling a Christmas tree out of a pile of rubbish went viral.</span></p> <p><span style="font-weight: 400;">Gabriel Silva lives with his mother and two older brothers in a mud hut in Pinheiro, a town in northeastern Brazil, and spends most days after school digging through mountains of rubbish at the nearby dump.</span></p> <p><span style="font-weight: 400;">On November 8, he uncovered a discarded plastic bag containing a small artificial Christmas tree.</span></p> <p><span style="font-weight: 400;">“I had never had a Christmas tree before,” he </span><a rel="noopener" href="https://www.nzherald.co.nz/world/christmas-tree-turns-symbol-of-hope-at-brazil-dump/JMPG6HOAF5XRBIDDEB2PWMXGPI/" target="_blank"><span style="font-weight: 400;">said</span></a><span style="font-weight: 400;">.</span></p> <blockquote class="twitter-tweet" data-lang="en"> <p dir="ltr">|| <a href="https://twitter.com/hashtag/fotojornalismo?src=hash&amp;ref_src=twsrc%5Etfw">#fotojornalismo</a> 📷<br /><br />O poder da fotografia. Um registro feito pelo fotógrafo João Paulo Guimarães no município de Pinheiro, a 333 km de São Luís, tem chamado atenção nos últimos dias. Uma foto tirada em um lixão da cidade mostra Gabriel, de 12 anos, que acompanhava a mãe <a href="https://t.co/eHt2BL1j2T">pic.twitter.com/eHt2BL1j2T</a></p> — Biólogo Henrique, o Biólogo das Cobras (@BiologoHenrique) <a href="https://twitter.com/BiologoHenrique/status/1468026523785613316?ref_src=twsrc%5Etfw">December 7, 2021</a></blockquote> <p><span style="font-weight: 400;">The image of Silva with his find, taken by photographer Joao Paulo Guimaraes, quickly went viral.</span></p> <p><span style="font-weight: 400;">Instead of the small tree, Silva’s home now has a giant Christmas tree inside, gifted by a benefactor who was moved by the photograph, as well as a flood of other donations.</span></p> <p><span style="font-weight: 400;">“We’ve gotten clothes, mattresses, baskets of food. Thank God, we’ll be able to get by fine for Christmas this year,” Silva’s mother, Maria Francisca Silva, said.</span></p> <p><span style="font-weight: 400;">The family has also received money through online collections - coming as a significant jump from the approximately 600 reais ($NZD 157) Maria Francisca makes selling recyclable materials from the dump each month.</span></p> <p><span style="font-weight: 400;">After an initial donation of 500 reais, the family has fulfilled a longtime wish and installed a hydraulic pump, replacing the rope and bucket they use to retrieve water from their well.</span></p> <p><span style="font-weight: 400;">They also hope to fulfill another wish of building an actual house.</span></p> <p><span style="font-weight: 400;">But Silva’s favourite gift was a bicycle he received from a teacher at school.</span></p> <p><span style="font-weight: 400;">He spends most of his free time at the dump with his mother, who says he always helps her.</span></p> <p><span style="font-weight: 400;">“I prefer to bring him with me. If I let him run around in the street, he could get into drugs, do things he’s not supposed to do,” Maria Francisca said.</span></p> <p><span style="font-weight: 400;">“He’s a good boy. He always helps me.”</span></p> <p><span style="font-weight: 400;">Along with a flood of gifts, the viral photo has turned Silva into a local celebrity.</span></p> <p><span style="font-weight: 400;">“Every day, people want to take my picture, ask me things,” he said.</span></p> <p><span style="font-weight: 400;">Guimaraes, who lives in the neighbouring state of Para, said he got the idea to shoot photos at the dump after seeing a video captured by Pinheiro’s public defender Eurico Arruda. In the clip, residents are chasing a garbage truck carrying rubbish from a supermarket.</span></p> <p><span style="font-weight: 400;">“It was just crazy. There were probably 50 people chasing it,” Arruda said.</span></p> <p><span style="font-weight: 400;">“That dump is like something out of the apocalypse. There are fires and smoke everywhere, vultures, dogs. It’s the bottom rung of destitute poverty.”</span></p> <p><span style="font-weight: 400;">Arruda hopes Silva’s photo will raise awareness of people like him and his family, and has set up a cooperative to help trash-pickers defend their rights.</span></p> <p><span style="font-weight: 400;">The local government has also promised that trash-pickers would receive monthly welfare payments of 100 reais ($24), and has vowed to build a legal dump that complies with sanitation regulations next year.</span></p> <p><em><span style="font-weight: 400;">Images: Joao Paulo Guimaraes / Getty Images</span></em></p>

Caring

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How whale shark tourism helps lift Filipino families out of poverty

<p>A group of the world’s poorest fishermen are protecting <a href="https://www.iucnredlist.org/">endangered</a> whale sharks from being <a href="https://www.jstor.org/stable/42633292?seq=1#page_scan_tab_contents">finned alive</a> at Oslob in the Philippines.</p> <p>The fishermen have stopped fishing and turned to tourism, feeding whale sharks tiny amounts of krill to draw them closer to shore so tourists can snorkel or dive with them.</p> <p>Oslob is the most reliable place in the world to swim with the massive fish. In calm waters, they come within 200m of the shore, and hundreds of thousands of tourists flock to see them. Former fishermen have gone from earning just a US$1.40 a day on average, to US$62 a day.<a href="http://theconversation.com/whale-sharks-gather-at-a-few-specific-locations-around-the-world-now-we-know-why-98502"></a></p> <p>Our <a href="https://www.sciencedirect.com/science/article/pii/S0964569118303909">research</a> involved investigating what effect the whale shark tourism has had on livelihoods and destructive fishing in the area. We found that Oslob is one of the world’s most surprising and successful alternative livelihood and conservation projects.</p> <h2>Destructive fishing</h2> <p>Illegal and destructive fishing, involving dynamite, cyanide, fish traps and drift gill nets, threatens endangered species and coral reefs throughout the Philippines.</p> <p>Much of the rapidly growing population depend on fish as a key source of protein, and selling fish is an important part of many people’s income. As well as boats fishing illegally close to shore at night, fishermen use compressors and spears to dive for stingray, parrotfish and octopus. Even the smallest fish and crabs are taken. Catch is sold to tourist restaurants.</p> <p>Despite legislation to protect whale sharks, they are still poached and finned alive, and caught as bycatch in trawl fisheries. “We have laws to protect whale sharks but they are still killed and slaughtered,” said the mayor of Oslob.</p> <p>“Finning” is a particularly cruel practice: sharks’ fins are cut off and the shark is thrown back into the ocean, often alive, to die of suffocation. Fins are sold illegally to Taiwan for distribution in Southeast Asia. Big fins are highly prized for display outside shops and restaurants that sell shark fin products.</p> <p>To protect the whale sharks on which people’s new tourism-based livelihoods depend, Oslob pays for sea patrols by volunteer sea wardens <a href="http://philippinenavy.tripod.com/bantay.html">Bantay Dagat</a>. Funding is also provided to manage five marine reserves and enforce fishery laws to stop destructive fishing along the 42km coastline. Villagers patrol the shore. “The enforcement of laws is very strict now,” said fisherman Bobong Lagaiho.</p> <p>Destructive fishing has declined. Fish stocks and catch have increased and species such as mackerel are being caught for the first time in Tan-awan, the marine reserve where the whale sharks congregate.</p> <p>The decline in destructive fishing, which in the Philippines can involve dynamite and cyanide, has also meant there are more non-endangered fish species for other fishers to catch.</p> <h2>Strong profits means strong conservation</h2> <p>The project in Oslob was designed by fishermen to provide an alternative to fishing at a time when they couldn’t catch enough to feed their families three meals a day, educate their children, or build houses strong enough to withstand typhoons.</p> <p>“Now, our daughters go to school and we have concrete houses, so if there’s a typhoon we are no longer afraid. We are happy. We can treat our children to good food, unlike before,” said Carissa Jumaud, a fisherman’s wife.</p> <p>Creating new forms of income is an essential part of reducing destructive fishing and overfishing in less developed countries. Conservation donors have invested hundreds of millions of dollars in various projects, however research has found they <a href="https://environmentalevidencejournal.biomedcentral.com/articles/10.1186/s13750-015-0048-1">rarely work once funding and technical expertise are withdrawn</a> and can even have negative effects. In one example, <a href="https://dukespace.lib.duke.edu/dspace/bitstream/handle/10161/6822/Brock_MastersProject.pdf?sequence=1">micro-loans</a> to fishermen in Indonesia, designed to finance new businesses, were used instead to buy more fishing equipment.</p> <p>In contrast, Oslob earned US$18.4 million from ticket sales between 2012 and 2016, with 751,046 visitors. Fishermen went from earning around US$512 a year to, on average, US$22,699 each.</p> <p>Now, they only fish in their spare time. These incredible results are the driving force behind protecting whale sharks and coral reefs. “Once you protect our whale sharks, it follows that we an have obligation to protect our coral reefs because whale sharks are dependant on them,” said the mayor.</p> <p>Feeding whale sharks is controversial, and some western environmentalists have lobbied to shut Oslob down. However, a <a href="https://www.sciencedirect.com/science/article/pii/S026151771930032">recent review of various studies on Oslob</a> found there is little robust evidence that feeding small amount of krill harms the whale sharks or significantly changes their behaviour.</p> <p>Oslob is that rare thing that conservation donors strive to achieve – a sustainable livelihoods project that actually <a href="https://www.sciencedirect.com/science/article/pii/S0964569118303909">changes the behaviour</a> of fishermen. Their work now protects whale sharks, reduces reliance on fishing for income, reduces destructive fishing, and increases fish stocks – all while lifting fishermen and their families out of poverty. Oslob is a win-win for fishermen, whale sharks and coral reefs.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important; text-shadow: none !important;" src="https://counter.theconversation.com/content/122451/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: http://theconversation.com/republishing-guidelines --></p> <p><em>Written by <span>Judi Lowe, PhD Candidate, Southern Cross University</span>. Republished with permission of </em><a rel="noopener" href="https://theconversation.com/poor-filipino-fishermen-are-making-millions-protecting-whale-sharks-122451" target="_blank"><em>The Conversation</em></a><em>. </em></p>

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