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Confronting Women’s Poverty: turning things around A one-day event International Women’s Day 2013 (8 Confronting Women’s Poverty: turning things around A one-day event International Women’s Day 2013 (8 th March) Bristol City Hall Women’s poverty and the wider picture: an evidence-based journey Pamela Trevithick Feminist activist

Cutting Women Out This presentation builds on the report produced by the Bristol Fawcett Cutting Women Out This presentation builds on the report produced by the Bristol Fawcett Anti. Cuts Group – Cutting Women Out in Bristol (2010 ) I do not propose to cover issues highlighted in Vicky Boroughs’s presentation on the impact of the cuts on women’s employment and low pay status

What I plan to cover 1 An overview of the impact of the cuts What I plan to cover 1 An overview of the impact of the cuts on women 2 The poverty picture in the UK – indicators of hardship 3 The price of inequality 4 Why cuts are not the cure. .

1. The impact of the cuts on women Government policy has a direct bearing 1. The impact of the cuts on women Government policy has a direct bearing on the extend to which millions of people are forced to live in poverty. The impact of these policies disproportionately affect women in six key areas: 1. 2. 3. 4. 5. 6. as workers as mothers as carers as benefit claimants as users of key services as citizens This has been summarised to by the Fawcett Society as the ‘triple jeopardy’ that women face in terms of – (1) slashed benefits (2) job loses (3) loss of core public services Fawcett Society - http: //www. fawcettsociety. org. uk/thetriple-jeopardy-2/

1. The impact of the cuts on women Overview: Women’s Budget Group An analysis 1. The impact of the cuts on women Overview: Women’s Budget Group An analysis by the Women’s Budget Group (2010) shows that: - the groups that will suffer the greatest reduction in their standard of living due to cuts in public services are lone parents and single pensioners, the majority of whom are women; - lone parents will lose services worth 18. 5% and female single pensioners services worth 12% of their respective incomes; Women’s Budget Group - http: //www. wbg. org. uk/

1. The impact of the cuts on women Overview: Women’s Budget Group - overall 1. The impact of the cuts on women Overview: Women’s Budget Group - overall single women will lose services worth 60% more than single men will lose as proportions of their respective incomes, and nearly three times those lost by couples - the cuts will lead to hundreds of thousands of women losing their job. 65% of all public sectors workers are women whose pay and conditions of employment are likely to deteriorate without our support Women’s Budget Group (2010) - http: //wbg. org. uk/RRB_Reports_4_1653541019. pdf

1. The impact of the cuts on women Overview: Women’s Budget Group - cuts 1. The impact of the cuts on women Overview: Women’s Budget Group - cuts in welfare spending fall disproportionately on the finances of women. Child Benefit is paid almost 100% to women; while 53% of Housing Benefit claimants are single women. Both benefits have been cut significantly in real terms and eligibility has been tightened Women’s Budget Group (2010) - http: //wbg. org. uk/RRB_Reports_4_1653541019. pdf Cuts in public services will almost inevitably increase women’s caring responsibilities and add further barriers to the employment opportunities for women

1. The impact of the cuts on women Overview: Women’s Budget Group Employment: and 1. The impact of the cuts on women Overview: Women’s Budget Group Employment: and the public sector Just under 40% of women’s jobs nationally are in the public sector - in the NHS, schools and caring services - compared to around 15% for men’s jobs Women’s Budget Group (2010) - http: //wbg. org. uk/RRB_Reports_4_1653541019. pdf Within this picture UK childcare costs are rising at more than twice the rate of inflation Haroon Sidddique (2013) - http: //www. guardian. co. uk/money/2013/mar/06/childcare-costs-twice-rate-inflation

1. The impact of the cuts on women Income inequality hits women the hardest 1. The impact of the cuts on women Income inequality hits women the hardest Throughout the last decade, a much larger proportion of women than men have been low paid In 2010, around 3½ million employees aged 22 to retirement were paid less than £ 7 per hour. 2⁄3 were women and 1⁄3 were men Among the low-paid part-timers, women predominate. In total, in 2010 almost 2⁄5 of all part-time workers were paid less than £ 7 per hour The Poverty Site - http: //www. poverty. org. uk/51/index. shtml

1. The impact of the cuts on women Childcare costs According to a Daycare 1. The impact of the cuts on women Childcare costs According to a Daycare Trust Childcare Costs Survey a part-time nursery place (25 hours) for a child under two years rose to an estimated £ 106. 38 a week and a full-time place to £ 11, 000 a year A Daycare survey snapshot showed that a place at Britain’s costliest nursery (£ 42, 000) ran at 25% more than a place at a top public school such as Charterhouse (£ 30, 574 a year) Daycare Trust - http: //www. daycaretrust. org. uk/pages/childcare-costs-surveys. html

2. Poverty in the UK Poverty statistics 2010– 11 – the estimated UK population 2. Poverty in the UK Poverty statistics 2010– 11 – the estimated UK population living below the poverty line was 13. 0 million (21. 3%) when housing costs are taken into consideration Institute of Fiscal Studies (2012) http: //www. ifs. org. uk/comms/comm 124. pdf Relative poverty – indicates the proportion of individuals with household incomes below 60% of the average (median) household income in a particular year after income tax, council tax and housing costs have been deducted Institute of Fiscal Studies (2012) - http: //www. ifs. org. uk/comms/comm 124. pdf

2. Poverty in the UK Child poverty The ‘End Child Poverty’ coalition, which is 2. Poverty in the UK Child poverty The ‘End Child Poverty’ coalition, which is made up of more than 150 organisations and groups, calculate than 4 million children – one in three – are currently living in poverty in the UK. This is one of the highest rates in the industrialised world End Child Poverty - http: //www. endchildpoverty. org. uk Ian Duncan Smith and the schools minister, David Laws, want to introduce a new range of indicators that include family stability, worklessness and educational achievement Patrick Wintour (2012) - http: //www. guardian. co. uk/society/2012/nov/14/iain-duncan-smith-child-poverty

2. Poverty in the UK Child Poverty in Bristol The ‘Ending Child Poverty’ Map 2. Poverty in the UK Child Poverty in Bristol The ‘Ending Child Poverty’ Map of the estimated number of children in poverty in Bristol in 2012 = 21, 366 children Horfield 24% Kingsweston 34% Knowle 17% Lawrence Hill 52% Lockleaze 32% Redland Below 5% 16% St George West 24% Southmead 34% Southville 12% Stockwood The estimated percentage of Bristol children in poverty in 2012 = 25% of children 25 St George East 19% Stoke Bishop 5% Westbury-on-Trym Below 5% Whitchurch Park 38% Windmill Hill 21% End Child Poverty - http: //www. endchildpoverty. org. uk/why-end -child-poverty/poverty-in-your-area#map

2. Poverty in the UK Other examples of the hardships experienced by people on 2. Poverty in the UK Other examples of the hardships experienced by people on low incomes or people living below the poverty line covered in this presentation include: fuel poverty food poverty homelessness debt

2. Poverty in the UK Fuel poverty What is fuel poverty? A household is 2. Poverty in the UK Fuel poverty What is fuel poverty? A household is said to be experiencing fuel poverty if it needs to spend more than 10% of its income on fuel to maintain an adequate level of warmth. In England, fuel poverty is modelled using the data from the English Housing Survey (EHS) It is estimated that around 6 million UK households are currently living in fuel poverty End Fuel Poverty - http: //endfuelpoverty. org. uk/

2. Poverty in the UK Utility prices Gas Soaring gas profits. An announcement in 2. Poverty in the UK Utility prices Gas Soaring gas profits. An announcement in March 2013 showed an 11% increase in profits for British Gas and its parent group, Centrica a staggering £ 1. 3 billion promised to shareholders Terry Macalister (2013) - http: //www. guardian. co. uk/business/2013/feb/27/centrica-british-gas-increase-profit Why? Poor regulation - Despite some new requirements on companies to publish the accounts of their retail businesses, the prices they pay for the gas they supply to customers remains unknown, even to Ofgem (which regulates the electricity and gas markets in Great Britain), which does not have jurisdiction beyond UK borders Tim Webb (2010) - http: //www. guardian. co. uk/business/2010/nov/26/ofgem-intervenes-electricity-gas-profits

2. Poverty in the UK Utility prices Water Daily Mirror › February 06, 2013 2. Poverty in the UK Utility prices Water Daily Mirror › February 06, 2013 Thames Water and Anglian Water paid no corporation tax on the profits. Indeed, in 2012 Thames Water enjoyed a £ 76 m tax rebate. As a reward, Martin Baggs, chief executive, received a bonus of £ 420, 000 on top of his £ 425, 000 salary He is said to be in line for a further windfall of £ 1 m based on company performance through to 2015 Daniel Boffey, Ian Griffiths and Toby Helm (2012) http: //www. guardian. co. uk/business/2012/nov/10/water-companies-tax

2. Poverty in the UK Food poverty What is food poverty? The Department of 2. Poverty in the UK Food poverty What is food poverty? The Department of Health has defined food poverty as “the inability to afford, or to have access to, food to make up a healthy diet. ” Massive growth in foodbanks 2009: The Trussell Trust approved 28 food banks 2013: there are 325 foodbanks currently in operation + three more added weekly 2011 -12: foodbanks fed 128, 687 people nationwide The Trussell Trust - http: //www. trusselltrust. org/foodbank-project USA - an estimated 37 million people receive charity food Canada - an estimated 900, 00 people use food banks each month Some eligible children denied access to free school meals Patrick Butler (2013) - http: //www. guardian. co. uk/society/2013/mar/07/children-ineligible-free-school-meals-poverty

2. Poverty in the UK Food poverty Bristol foodbanks - and other places - 2. Poverty in the UK Food poverty Bristol foodbanks - and other places - offering hot food: The Salvation Army - Bristol Citadel & Candle Community Centre Bristol Methodist Centre Bristol Soup Run Trust Churches Together Watershed Churches Together Broadmead Bus Station by subway Churches Together, Queens Road Julian Trust Matthew Tree Project Carpenters Foodstore, The Withywood Centre Matthew Tree Project Foodstore and central food hub Great George Street Mission Matthew Tree Project Foodstore, The Mede NW Foodbank

2. Poverty in the UK Housing/homelessness Homelessness on the increase 2012 - Dept for 2. Poverty in the UK Housing/homelessness Homelessness on the increase 2012 - Dept for Communities and Local Government data shows a 14% rise in people classed as homeless – with 69, 460 children/expected children are in homeless households. Charities warn the figure is much higher Simon Rogers (2012) - http: //www. guardian. co. uk/society/2012/mar/08/homelessness-jumps-repossession-unemployment Centrepoint’s research estimates that roughly 60, 000 young people are using hostels or sleeping rough - over three times higher than official figures

2. Poverty in the UK Housing/homelessness Homelessness on the increase According to the National 2. Poverty in the UK Housing/homelessness Homelessness on the increase According to the National Housing Federation, homeless families in Bed and Breakfast (B&B) accommodation has increase by 44% Daily Mirror 18 February 2013 20 councils warned by the government about housing families in B&Bs for “unacceptably long time” Randeep Ramesh (2012) - http: //www. guardian. co. uk/society/2012/sep/17/homeless -families-bed-and-breakfast

2. Poverty in the UK Housing/homelessness Housing picture in Bristol 6, 500 private tenants 2. Poverty in the UK Housing/homelessness Housing picture in Bristol 6, 500 private tenants face cuts of £ 15 to £ 25 per week in their Housing Benefit, forcing many into destitution or homelessness. Over 14, 300 households are waiting on the Housing Register An average of nine people chase every private tenancy Bristol Poverty (Housing) Action - http: //bristolpovertyaction. wordpress. com/

2. Poverty in the UK Debt Statistics from Credit Action January – September 2013 2. Poverty in the UK Debt Statistics from Credit Action January – September 2013 - 8, 308 new debt problems were dealt with by the Citizens Advice Bureau (CAB) each working day September - November 213 - 1, 727 people were made redundant every day Every 16 min 4 sec - a property is repossessed Credit Action - http: //www. creditaction. org. uk/helpful-resources/debt-statistics. html

2. Poverty in the UK Debt statistics for Bristol Clients seen by the Bristol 2. Poverty in the UK Debt statistics for Bristol Clients seen by the Bristol Debt and Advice Centre January – December 2012 Of the total clients seen, 55% were women A breakdown of 1, 140 female clients revealed the following: Female clients with a long term 285 illness Female clients with a priority debt 567 Employment status of female Unknown: 21 clients Carer: 4 Training/Education: 12 Other: 23 Unemployed: 533 Retired: 46 Self-employed: 29 Unfit for work: 113 Working full time: 137 Working part time: 222 (from Bristol Debt and Advice Centre) Note the number of women with long term illnesses (25%) and the total number in full and part-time employment - yet still in debt (31%) Unemployment is key feature for women seeking debt advice and support (46%)

2. Poverty in the UK Benefit changes There are too many changes to describe 2. Poverty in the UK Benefit changes There are too many changes to describe in detail but the following summary indicates the changes proposed/enacted: Migration of existing claimants to Employment Support Allowance - continues until April 2014 Increases to all working age benefits will increase by 1% annually until 2016. 10 million households effected Child benefit frozen for 3 years Maternity Grant restricted to first child only Taper on tax credits moved from 39% to 41% Childcare element of Working Tax Credit (WTC) reduced from 80% to 70% of costs (up to pre-set maximum) Local Housing Allowance capped Large increases of non dependent deductions for Housing Benefit recipients Local Housing Allowance – rates set at 30 th percentile not 50 th Educational Maintenance Allowance abolished Single-room rent restriction extended from people under 25 to people under 35 (From Jane Emanuel, Bristol Advice Network)

2. Poverty in the UK Benefit changes What’s been proposed from January 2013 onwards: 2. Poverty in the UK Benefit changes What’s been proposed from January 2013 onwards: ‘Affluence test’ for Child Benefit Council Tax Benefit handed to local authorities ‘Bedroom Tax’ for social housing sector (under-occupiers will have reduced housing benefit or have to transfer to smaller property) Working-age Disability Living Allowance recipients must apply for Personal Independence Payments Crisis loans and Community Care Grants abolished, budget reduced then passed to local authorities to devise their own scheme Household Benefit Cap for all except Disabled Living Allowance (DLA) recipients and war widows/widowers Universal Credit – replaces Income Support, Income-based Job Seekers Allowance (JSA), Employment and Support Allowance (ESA), Housing Benefit, Child Tax Credit and Working Tax Credit Pathfinders in the North to start this process which may begin in Southwest 2014? (From Jane Emanuel, Bristol Advice Network)

2. Poverty in the UK Benefit changes: two insidious changes 1. Universal credit scheme 2. Poverty in the UK Benefit changes: two insidious changes 1. Universal credit scheme involves: 1 applying for benefits online 2 weekly payments being replaced with monthly payments 3 a single payment being issued per household The Women's Resource and Development Agency said: “It is estimated that in 80% of cases Universal Credit will be paid to the male partner in the household”. Rosa Prince The Telegraph - http: //www. telegraph. co. uk/news/politics/9531622/Iain-Duncan-Smith-told-millions-will-struggle-to-claimuniversal-credit. html This change is likely to impact negatively on women’s bargaining position and status within the family, particularly for women with no other independent income

2. Poverty in the UK Benefit changes: two insidious changes 1. Universal credit scheme 2. Poverty in the UK Benefit changes: two insidious changes 1. Universal credit scheme 70 organisations submitted over 500 pages of evidence outlining concerns about the government's plans Benefits have to be applied for online Yet “The new universal credit system risks causing difficulties to the 8. 5 million people who have never used the internet and a further 14. 5 million who have virtually no ICT [internet + communications technology] skills” (CAB) Department for Work and Pensions (DWP) stated: “anyone without IT skills or access to a computer will be fully supported and we have processes in place to help them” but who will provide/fund this support? Rosa Prince (2012) http: //www. telegraph. co. uk/news/politics/9531622/Iain-Duncan-Smith-told-millions-will-struggle-to-claimuniversal-credit. html

2. Poverty in the UK Benefit changes: two insidious changes 2. The ‘bedroom tax’ 2. Poverty in the UK Benefit changes: two insidious changes 2. The ‘bedroom tax’ New rules state that housing benefit and universal credit claimants deemed to have one unused bedroom in their council or housing association home will lose 14% of their housing benefit and those with two or more will lose 25% The ‘bedroom tax’ is likely to hit single parents and disabled people hardest Toby Helm and Tracy Mc. Veigh (2013) http: //www. guardian. co. uk/society/2013/mar/30/bedroom-tax-disaster-housingchief

2. Poverty in the UK Other dangers – changes to the NHS But not 2. Poverty in the UK Other dangers – changes to the NHS But not without a fight. . . © Jenny Fleming 15, 000 protesters march to save Lewisham A & E and to stop the downgrading of maternity services Oliver Letwin, Etonian, Tory Cabinet Minister and Chief of Policy boasted in 2004: “the NHS will cease to exist within 5 years of a Conservative victory”.

2. Poverty in the UK Other dangers – changes to the NHS The Health 2. Poverty in the UK Other dangers – changes to the NHS The Health & Social Care Act 2012 Clauses that lead to the privatisation of health care could seriously reduce the quality and availability of health provision for people living in poverty or on low incomes On some nights the NHS out-of -hours service in Cornwall, run by the private company Serco, had only 1 GP to care for 535, 000 patients (BBC News 29 September 2012 http: //www. bbc. co. uk/news/uk -england-cornwall-19770029). A recent poll surveyed by the Royal College of General The Independent Sunday 3 rd March 2013 Practitioners revealed that ¾ of GPs want health and social care bill withdrawn The Guardian 12 January 2012). Back door privatisation Britain's leading medical body, the Academy of Medical Royal Colleges, has expressed grave concern that the government is planning to privatise large sections of the NHS by the back door – in breach of previous promises to limit the role of the private sector. This reneges on previous agreements with the profession Observer Sunday 3 rd March 2013

2. Poverty in the UK Danger posed by privatisation It is worth remembering that 2. Poverty in the UK Danger posed by privatisation It is worth remembering that the privatisation of social care has in places been disastrous. This article from the Financial Times shows how 5 Southern Cross executives sold shares before its value crashed and were legally able to walk away with £ 35 m. Southern Cross provided care homes for older people and its crash led to a crisis for people who were living in these homes.

3. The price of inequality The poorest 10% will suffer 15 times more than 3. The price of inequality The poorest 10% will suffer 15 times more than the richest (False Economy website) What we are witnessing is the break-up of the welfare state The so-called ‘economic recession’ and financial ‘deficit’ are being used to justify cuts in the welfare budget and further privatisation of welfare and health provision

3. The price of inequality The big picture: inequality is on the rise in 3. The price of inequality The big picture: inequality is on the rise in most counties within the Organisation for Economic Co-operation & Development [OECD] 0. 50 Increased inequality 0. 45 -- 2008 -- 1985 0. 40 0. 35 h k ar nm rw ay De lic No Re pu b ed en nd Fin la ur g bo Sw ec Cz Lu xe m nd s y an er la th m Ne na n da Ge r Ca pa Ja d an al Ze Ne w st ra lia ly Au Ita m d Ki ng do ae l* Isr Un ite St at o es 0. 15 d http: //www. bmask. gv. at/cms/si te/attachments/0/7/9/CH 2267 /CMS 1343644102547/oecd_divi ded_we_stand_2011. pdf 0. 20 ex ic 2011) 0. 25 M (From: Divided We Stand: Why Inequality Keeps Rising © OECD 0. 30 Un ite The OECD includes 34 countries

3. The price of inequality The share of top incomes increased, especially in English-speaking 3. The price of inequality The share of top incomes increased, especially in English-speaking countries. The USA and UK have sharp rises for top income earners 20 (From: Divided We Stand: Why Inequality Keeps Rising © OECD 2011) http: //www. bmask. gv. at/cms/si te/attachments/0/7/9/CH 2267 /CMS 1343644102547/oecd_divi ded_we_stand_2011. pdf 16 14 2007 (↘) 12 10 8 6 4 2 0 Un i Un ted ite St a d Ki tes ng do Ca m na d G er a Sw ma itz ny er la n Ire d la Po nd rtu ga l Ita ly Ne Ja pa w Ze n al a Au nd st ra li Fr a an ce Sp a Fi in nl a Be nd lg i De um nm a No rk rw Sw ay Ne ed e th er n la nd s % of total pre-tax income 18 1990

3. The price of inequality This graph shows that greater the income gap between 3. The price of inequality This graph shows that greater the income gap between the richest and poorest 20% in a country, the greater the likelihood of health and social problems being intensified. This is detrimental not just to people living in poverty, but to the vast majority of society. This research suggest that many health and social problems, such as high levels of mental illness, numbers in prison, rates of drug and alcohol use, weight problems, and low levels of public trust tend to be worse in less equal societies http: //www. equalitytrust. org. uk This graph is from Wilkinson and Pickett’s (2010) influential text The Spirit Level: Equality is Why Better for Everyone. London: Penguin. Wilkinson and Pickett are the founders of the Equality Trust. Equality Bristol is a local branch of the Equality Trust http: //equalitybristol. wordpress. com/

3. The price of inequality This ‘Infographic’ on The Price of Inequality by Adam 3. The price of inequality This ‘Infographic’ on The Price of Inequality by Adam Frost and Rosie Roche is on the Equality Trust website http: //www. equalitytrust. org. uk/ For an enlarged version of this chart, see http: //i. imgur. com/Cufgf. gif Or The New Statesman http: //www. newstatesman. com/economics/2012/10/chart-day-priceinequality

4. Cuts are not the cure Cuts in Bristol Cuts in government funding mean 4. Cuts are not the cure Cuts in Bristol Cuts in government funding mean that Bristol City Council will be forced to make savings and cuts of £ 35 million – approx. 9% of the council's budget. This is in addition to the £ 56 million cuts and savings the council has already found over the last two years An overview of Bristol’s population: 2011 Census Bristol’s population = 428, 100 people Bristol is the 7 th largest city in England is one of 8 ‘core cities’ (+ Birmingham, Manchester, Liverpool, Nottingham, Leeds, Sheffield, Newcastle) 16% of Bristol’s population belong to a black/ethnic minority group

4. Cuts are not the cure Bristol advice centres and services Advice agencies are 4. Cuts are not the cure Bristol advice centres and services Advice agencies are overwhelmed and struggling cope with the number of people seeking help Legal Aid cuts have led to redundancies in many centres Employment Support Allowance (ESA) appeals currently constitute more than 60% of specialist advice time. In Bristol area 85% of cases represented at Tribunal are successful

4. Cuts are not the cure Bristol advice centres and services Advice Centres for 4. Cuts are not the cure Bristol advice centres and services Advice Centres for Avon (ACFA) Age UK Bristol Avon & Bristol Law Centre (ABLC) Bristol City Council Welfare Rights and Money Advice Service Bristol Citizens’ Advice Bureau (CAB) Bristol Debt and Advice Centre (BDAC) North Bristol Advice Centre South Bristol Advice Services St Paul's Advice Centre

4. Cuts are not the cure The deficit ‘The deficit is simply the gap 4. Cuts are not the cure The deficit ‘The deficit is simply the gap between what the government spends each year and what it receives in tax. . . UK debt has grown in the recession but is much lower than in the past’ (from False Economy) False Economy - http: //falseeconomy. org. uk This graph shows that for the UK, the National Debt has been much higher than it is today Quick fact Current UK national debt: 60% Average UK national debt 1988 2010: 112% (from False Economy)

4. Cuts are not the cure The deficit grew because tax income fell If 4. Cuts are not the cure The deficit grew because tax income fell If countries spend more than they get back from tax they normally have to borrow money to make up the difference. If the government covers a deficit by borrowing money, then that will increase the national debt. When times are good and tax income is higher than spending, governments can pay back part of the debt and it will come down. Our UK national debt is lower than in many other countries including France, Germany, Canada and the USA (from False Economy)

4. Cuts are not the cure There is money. . . The UK is 4. Cuts are not the cure There is money. . . The UK is the 7 th richest country in the world but the allocation of resources and funding favours certain groups or vested interests over others e. g. Renewing Trident – experts state the UK's Trident nuclear deterrent will cost a minimum of £ 20 bn plus £ 100 bn to build and operate Subsidising the arms trade - the level of public subsidy (from taxpayers) is estimated to be £ 700 m per year according to research by the Campaign Against Arms Trade (CAAT) Subsidising private schools – the current subsidy to private schools is estimated to be £ 100 m of taxpayers’ money

4. Cuts are not the cure Banks and bankers A report from the London 4. Cuts are not the cure Banks and bankers A report from the London School of Economics revealed: London’s top 1, 400 bankers take home an average £ 2 million a year including £ 568, 000 “basic” pay London finance workers received 14. 2% more in salary and cash bonuses in 2011 than 2008 average workers outside the City got 3. 7% over the same period. This is equivalent to a 6% FALL because inflation rose by (9. 7%) £ 1 in every £ 7 earned in Britain now goes to the top 1% of earners Brian Bell and John van Reenen (2013) http: //cep. lse. ac. uk/pubs/download/occasional/op 035. pdf

4. Cuts are not the cure Banks and bankers Guardian 24 February 2013 Daily 4. Cuts are not the cure Banks and bankers Guardian 24 February 2013 Daily Mail online http: //www. dailymail. co. uk/news/article-2093630/Stephen-Hester-bonus-Top-RBSbankers-follow-boss-example-says-Vince-Cable. html Taxpayers have a 83% stake in the Royal Bank of Scotland. In March 2013, 26 EU finance ministers imposed curbs on bankers' bonuses as a strategy to curb bankers’ incentive to gamble and repeating the excesses that led to the financial crisis. The UK opposed these curbs.

4. Cuts are not the cure Tax avoidance and evasion In 2010, the government, 4. Cuts are not the cure Tax avoidance and evasion In 2010, the government, via Her Majesty's Revenue and Customs [HMRC], let Vodafone off a £ 6 bn tax bill The tax gap (1) tax avoidance (finding loopholes e. g. tax havens) is estimated to be about £ 25 bn per annum (2) tax evasion (breaking the law) is estimated to be about £ 70 bn per annum according to World Bank data (3) unpaid and late-paid tax – currently evaluated by HMRC to be at least £ 26 bn per annum Together, these figures = more than £ 120 bn, ‘enough, at least in principle, to close the whole current government deficit’ (Murphy 2010) Richard Murphy (2010) http: //www. guardian. co. uk/commentisfree/2010/aug/20/tackle-tax-gap-deficit-reduction Tax Research - http: //www. taxresearch. org. uk/Documents/FAQ 1 Tax. Gap. pdf

4. Cuts are not the cure Tax avoidance and evasion Tax inspector job losses 4. Cuts are not the cure Tax avoidance and evasion Tax inspector job losses contribute to a failure to collect 1. 1 bn in taxes in 2004 -5 staff were employed nearly 100, 000 by June 2010 the numbers fell to 68, 000 by 2015 the numbers are likely to fall to 55, 000 (nearly half the 2005 number) Experts indicate that staff were not being properly trained and equipped for the job http: //www. guardian. co. uk/business/2012/jun/23/tax-revenue-tribunals-staff-billions “Last year (2009) 5, 000 frontline (tax inspector) staff went and more still are to go. This makes no sense: each frontline member of staff brings in on average 30 times in tax what it costs to employ them. The result is that tax that is so badly needed to keep services going is being given away” (Murphy 2010) Richard Murphy (2010) http: //www. guardian. co. uk/commentisfree/2010/aug/20/tackle-tax-gap-deficit-reduction

4. Cuts are not the cure Tax reduction for companies - Top rate of 4. Cuts are not the cure Tax reduction for companies - Top rate of tax reduced from 50% to 45% on salaries of more than £ 150, 000 - No increase to Capital Gains tax, static at 28% - A £ 2, 000 employment allowance allows a third of all employers to pay no National Insurance ‘ jobs tax' - Corporation Tax steadily reducing from 28% in 2010 to 21% in 2014 - one of the lowest corporation tax rates in the western world The authorative Institute of Fiscal Studies estimate that the poorest 10% of households will lose an average of £ 127 under the 2013 budget changes, while the richest 10% will gain almost 10 times that figure - £ 1, 265. Families with children will be hit even harder, with the poorest 10% losing £ 236 a year

Why is this happening? 15, 000 protesters march to save Lewisham A & E Why is this happening? 15, 000 protesters march to save Lewisham A & E and to stop the downgrading of maternity services The intention: to promote the breakup of the welfare state and to divert funding in order to support the profit motive and private enterprise

Why is this happening? 15, 000 protesters march to save Lewisham A & E Why is this happening? 15, 000 protesters march to save Lewisham A & E and to stop the downgrading of maternity services The strategy: to overwhelm and overstretch public services with the sheer number of policy changes being set in motion

Why is this happening? 15, 000 protesters march to save Lewisham A & E Why is this happening? 15, 000 protesters march to save Lewisham A & E and to stop the downgrading of maternity services The strategy: divide and rule by setting people against each other people on benefits versus ‘hard working people’ people on benefits versus ‘heroic’ soldiers one hospital (Lewisham) versus another hospital (S. London Healthcare NHS Trust) people who “deserve to be helped” versus “those who don’t”

Divide and rule The impact of stigma and other social influences on applying for Divide and rule The impact of stigma and other social influences on applying for benefits – some research finding suggest that the public see claimants as less deserving than they did 20 years ago Negative reporting of benefit claimants in newspapers. From http: //www. turn 2 us. org. uk/PDF/Benefits %20 stigma%20 Draft%20 report%20 v 9. pdf http: //www. guardian. co. uk/news/datablog/2012/nov/20/benefits-stigma-newspapers-report-welfare

Unclaimed benefits Community Links, a coalition of 27 charities co-ordinated by the Citizens Advice Unclaimed benefits Community Links, a coalition of 27 charities co-ordinated by the Citizens Advice Bureau, stated that in 2009 an estimated £ 16 bn in welfare benefits and tax credits went unclaimed Community Care http: //www. community-links. org/linksuk/? p=1531 BBC News 2010 http: //news. bbc. co. uk/1/hi/business/8494105. stm

The stigma of poverty feelings of shame self blame guilt secrecy powerlessness hopelessness despair The stigma of poverty feelings of shame self blame guilt secrecy powerlessness hopelessness despair injustice

UK cabinet 2009: 23 millionaires out of 29 Only 4 female cabinet members!! UK cabinet 2009: 23 millionaires out of 29 Only 4 female cabinet members!!

Could Iain Duncan Smith (IDS), the current Work and Pensions Secretary, survive on £ Could Iain Duncan Smith (IDS), the current Work and Pensions Secretary, survive on £ 53 a week or £ 7. 57 a day - a 97% reduction in his current income. As a cabinet minister, Duncan Smith earns £ 134, 565 a year, which is £ 1, 581. 02 a week or £ 225 a day after tax* The Telegraph http: //www. telegraph. co. uk/news/politics/9964767/Iain-Duncan-Smith-I-could-live-on-53 -per-week. html Photo Independent Tuesday 2 April 2013 Mr Duncan Smith lives in a 16 thcentury Grade-II listed Tudor house in Swanbourne which is said to be worth £ 2 m. The property includes a swimming pool, tennis courts and three acres of grounds. It belongs to Mrs Duncan Smith's father, John Tapling Fremantle, the fifth Baron Cottesloe, who moved out of the house with his wife several years ago. Mr Duncan Smith is technically a tenant and living rent-free with his wife and children. The Independent http: //www. independent. co. uk/news/uk/politi cs/george-osborne-mounts-fierce-defence-ofessential-cut-in-top-tax-8556168. html 300, 000 people signed the petition at www. change. org

As feminists we are known for our wonderful sense of humour. . © Jill As feminists we are known for our wonderful sense of humour. . © Jill Posener 1979

We are also known for our determination to build a better and fairer society We are also known for our determination to build a better and fairer society – for women, for children, for men - both at home and abroad. . Please join us. . © Jenny Fleming

References Please separate handout References Please separate handout