Inequality between the richest and the poorest is man-made

Inequality between the richest and the poorest is a man-made thing. Men have put it in place. Men defend it. Men can dismantle it.

A young person on a modern-day apprenticeship (learning skills that will make a day-to-day difference in our lives) earns just £3.30 an hour, £6300 a year. The starting salary for a banker (who shuffles money around whilst taking a percentage) is in the range of £35000 a year? Is that just?

Is it good that “the rich are 64% richer than before the recession, while the poor are 57% poorer”?

Where do you sit on the UK income scale?

  • If you earn less than £10000 you are in the bottom 5%
  • If you earn more than £21000 then you are in the top 50%.
  • If you earn more than £35000 (starting salary for a banker) then you are in the top 25%.
  • If you earn more than £68000 you are in the top 5%.

If it is right and just that the top 5% earn over ten times more than the lowest paid, then let’s enjoy our position.

If not, then let’s ask ourselves what we can do to make a difference.

And let’s make a new year’s resolution to start to make that difference.

References:
https://www.gov.uk/national-minimum-wage-rates
http://www.prospects.ac.uk/corporate_investment_banker_salary.htm
http://www.independent.co.uk/news/uk/home-news/britains-divided-decade-the-rich-are-64-richer-than-before-the-recession-while-the-poor-are-57-10097038.html
https://www.gov.uk/government/statistics/percentile-points-from-1-to-99-for-total-income-before-and-after-tax

How YOU can help achieve affordable rent

Rents are too high. A single person over the age of 21 on minimum wage of £6.50 an hour will earn around £1000 a month, less deductions. Even with the lowest rent prices, half of that will go on rent leaving around £120 a week for everything else.

Here’s a painless way to get rent down. It just needs some visionary people with a little capital to decide to do something about it.

Here is an example:
£60,000 invested in a building society or bank will be doing well to make 3% interest (although a ‘help to buy’ ISA can give 4%) e.g http://www.halifax.co.uk/savings/?WT.ac=SNCA1012

Therefore a good (4%) return on that £60,000 is £2400 a year, or £200 a month.
If we are happy with a 4% return on our savings, then why not but a property and rent it out at the same return?

The cheapest (1 bedroom) property available today is £395 a month. http://www.rightmove.co.uk/property-to-rent/property-56267795.html

There is a flat for sale in Rugby for £60,000. (http://www.rightmove.co.uk/property-for-sale/property-54091703.html?premiumA=true )

Using the £60,000 to buy the property, we could charge a very fair rent of (say) £250 a month, offering a low rental price and getting a very good return on the investment. (£250 instead of £200 to include an allowance for maintenance and fees)..

This represents a saving of a third on the lowest rental cost, and would give someone on low income the chance of an improved standard of living, and maybe even the chance to save enough to put down a deposit on a house of their own.

And all of this giving the same (or better) return that we get from the building society. Maybe there is a little more risk – but there is the benefit of doing something personally to help the current difficult situation for the poor in our town.

If enough of us do this, then it might even cut the overall rental market price (supply and demand!) with wider benefits.  I know that not everyone can help in this way, but some can, and it makes a difference to each person who is helped.

If you are interested and want to take it further, I’m happy to share my experience so far (I have made use of a legacy from when my mother died to do this). Please get in touch privately.

rent

Work and Pay

I think the world has become confused about work.

Instead of thinking that work is something to be endured to bring in the money we need to live, or a means of making us rich we should think of our work as our contribution to fulfilling the needs of society. We need to start thinking of it as ‘what can I give’ instead of ‘what do I get’.

And in a similar manner, society needs to think more clearly about the needs of the individual. All of us need to eat, sleep and live somewhere that we can call home. And the reciprocal side of the exchange is that when someone contributes to society, then society has a duty of love to meet the needs of that person.

Jesus told a parable of a man who hired workers for his vineyard. Some he hired in the morning, some in the afternoon, and some just before closing time. But he paid them all the same. He paid them what they needed to live. But of course, those who worked all day felt that this was not just and grumbled. Yet the vineyard owner pointed out that they were happy to work for their agreed wages, and they had received them. All the workers were willing to work. They were willing to make their contribution to society, even if there was no immediate work required. And they all had the same needs. The vineyard owner met their needs. Why can’t we follow this example?

Similarly, how do we decide how much someone should be paid? Is it according to the contribution that the job makes to society? How valuable is it to society when a person sits at a desk and manages our money? How valuable is it to society when a person removes the rubbish that we create during the week? How valuable is it to society when a person serves us a meal in a café or restaurant? I have to say that the most valued workman I’ve encountered is the one who came to clear our blocked drains when the raw sewerage was overflowing! Yet he is paid less than I am, when I spend much of my time sitting at a computer terminal.

It is not my aim to claim that job A is X times as valuable as job B, but to add into our thinking and actions that we need to be willing to pay each person sufficient to meet their needs.

Unfortunately the recent trend is that the rich are getting richer and the poor are getting poorer. I don’t have a problem with unequal pay, and with pay that reflects the value to society of the work. But I do take issue with a system that ignores the ‘need’ part of the equation.

Can you and I do anything? Yes we can. Even if it is only being willing to pay a fair price instead of the lowest price for goods and services.

But also, the reward for our work is more than just money. We all value the respect of our fellow human beings. One thing that we can all do is to treat everyone, in whatever job, with respect and with appreciation.

And similarly, when we are working, we can consider our work as more than just a job but as a contribution to society. The bricklayer can choose to be building a home instead of laying some bricks.

And we also need to respect those who are seeking work but unable to find it. Not only do they receive no wages, our benefit system disrespects them and prevents them making their contribution to the good of us all. Can’t we treat them like those in Jesus’ parable who were looking for work , and who at the end of the day were then paid what they needed to live.

Let’s think on these things as we go about or daily life of working, waiting, shopping and ‘consuming’.  Let’s change our attitudes.

Financial advice from Money Box Live, or Pope Francis?

I was listening to the radio program Money Box Live last week. They were talking about pensions. It seems that if you delay taking your pension for a year then the amount of your pension increases by about 10% per year when you do take it. I guess this is a government scheme to reduce spending on pensions today at the cost of increasing it in future years, perhaps when there may be another government in power – but that’s not the point of this article. The thing that caught my attention was that they got a mathematician to describe the best time to take your pension.

The longer you delay, the higher the pension when you take it, but the less time you take it for. So if you know when you are going to die (which you can look up in statistical tables) the mathematician was working out a time at which the total amount of money you receive reaches a maximum.

All very logical and calculable, so why am I writing about it? Because it is a symptom of the cancerous thinking that underlies so many decisions today:
Our goal is to maximise the money we get, even if we only get it on the day before we die.

We forget that the more we have, even when we don’t need it, the less there is for others.

We don’t consider that the schemes we invest our money in minimise costs, such as the wages of the lowly paid, or maximise income, such lending our money at high rates of interest.

We ignore the fact that making decisions on the basis of maximising our income reinforces the extremely unfair financial systems that we have today, where the rich are getting richer and the poor are getting poorer.

It is not easy to turn down opportunities to make more, or spend less. It is natural to want to buy the cheapest milk, or trainers, or energy – but each decision has its consequence.
When we invest to minimise our tax bill, we are placing the burden of paying for our public services on others. We are encouraging our government to introduce ‘austerity’ measures – “sanctioning” benefit claimants if they miss an appointment (in effect, fining them 100% of their income). We place the burden of balancing the government’s books on the poor.

My mother died last year. She didn’t spend the pension she received, and her investments grew, and we were surprised at the amount of money that she left. I have to decide what to do with the money I inherited. Money Box Live would tell me to invest to maximise my income. But I agree with Pope Francis, I reject that basis for my decisions. How about you?

There are no border controls on the Kingdom of God

Jesus taught that “the Kingdom of God is at hand”. But how do we get there? Do we need a passport, or apply for a visa? Do we have to pass an entrance test to become a citizen?
Anselm described God as supreme goodness, and John’s gospel tells us that God is love; “But anyone who does not love does not know God, for God is love. And if God is love, love is God.
But God is more than that, he has ‘person-ness’ that I describe in “Four steps of reason leading to a personal God” . So we can think of love as part of his realm, his kingdom. Therefore to live in love is to live in the Kingdom of God. Every act of goodness or love is by definition carried out in the Kingdom of God. Every time a person choses to act kindly to a neighbour, they are in the Kingdom of God. Every time they choose not to respond in a loving, good way they are choosing to live outside the Kingdom of God. It doesn’t matter whether they call themselves Christian, Moslem, Hindu or atheist – acting is love is acting in the Kingdom of God.
Because it is our choice whether we act, or live, in the Kingdom of God there are no border controls. God does not make any demands, or set any tests for those who want to live there. We simply decide. I choose to love, therefore by definition I choose to live in the Kingdom of God.
But by definition, if I choose to be selfish then I am not in the Kingdom of God, because selfishness is not love, and therefore is not part of the Kingdom of God. If I live selfishly, I am in the Kingdom of Me.
Clearly we move in and out of the Kingdom of God every hour of every day. Perhaps we all need to be a little more conscious of which Kingdom we want to live in.

The arrogance and hypocrisy of Stephen Fry

So Mr Fry, you are judge, jury and executioner for God because some people get cancer, or illness; because God allows suffering.  I am reminded of your character Melchet sentencing Blackadder to death for killing his favourite pigeon.

You assume that God can do anything and so he must be able to prevent all cancer and suffering, and therefore He must be evil to allow it.  What trivial thinking from a man purported to be intelligent. What arrogance to presume to be worthy to judge.

Can God make a square circle?  Of course not, and it’s silly to suggest that he can.

Can God make a universe that spawns intelligent, purposeful life without any pain or discomfort?  Of course not, and it’s silly to suggest that he can.

So should God not have bothered?

Would you, Mr Fry, rather live, love and die with pain in your life or not live at all?  You have a choice, and your daily choice seems to be continue to live.

Whenever you get into a car Mr Fry, you risk running over an innocent child, inflicting anguish on their parents.  You cause actual damage to the ecosystem of the planet, and consequential pain and suffering in those less privileged than yourself.  You choose to damage your fellow human beings when you actually do have an alternative.

You convict God for allowing suffering, should you not be lambasting the Ford motor company for creating machines that cause such carnage?  It is impossible to make a car that does not risk causing death and damage to the planet, yet we all choose the benefit and accept the consequence.

Do you not feel a hint of hypocrisy in living as you do and yet criticising the one who has given you the opportunity?

 

 

“Here, there be dragons”

Centuries ago many people used to live their entire lives within a few miles of where they were born. Occasionally travellers would pass through with tales of far-away places which held wonders, treasures and maybe ‘dragons’. But few would dare cross the borders surrounding their small world of familiarity.

Dragon-Linda_BlackWin24_JanssonNowadays many people again live their entire lives within a relatively small environment. Maybe it is not physical, since modern transportation puts the whole world within reach, but I’m speaking of relationships, culture and spirituality.

Our sphere of friends is gathered through encounters where we like to pass our time: work, the sports club, the toddler group or school, the pub. We meet like-minded people in comfortable environments and put down roots there. Occasional travellers pass through with tales of other lifestyles: we get peeps at them on the TV reality shows, a foreigner might join our band, or a tragedy might move us out of our comfortable world. But “few dare cross the borders of their small world of familiarity”, and most will lobby to maintain their personal utopia.

We understand how the world works through what we have learned through personal experience, the media and common sense.  With our Western worldview glasses we know such things as: the economy has to be healthy, everyone should be educated and democracy is the only system that works. And of course we should all have rights, to health, happiness and freedom, particularly freedom of speech. We seldom stop to question the basis on which we have decided that all of these ‘truths’ are correct. When we hear tales of other cultures we are fearful that they will invade our territory and bring unimaginable horrors and suffering.

But perhaps we are most fearful of uncharted spiritual seas. England used to be a Christian nation, although deeply divided between Protestant and Catholic, but has largely come to believe in Scientism; the religion that science can explain everything. It can be comforting to think that science can tell us why Grandma died, and to hope that in the future cancer will be conquered. Occasionally we will hear tales of a spiritual realm, something that is not simply made of ‘stuff’, and strangers will speak of God and tell us that we have a ‘soul’. A frequent response is to ignore such ramblings, or to accept that such things may be ‘okay’ for them, but I’m quite happy in my own ideas thank you very much.

Secretly, if we are bold enough to ask ourselves, we will admit that our small-world outlook is largely driven by fear. We are afraid that we will lose our basis for life, even if it doesn’t seem to be working too well for us at the moment. We would love to befriend those in different circles, experience different cultures, and reach a satisfying understanding of who we are spiritually; we yearn to find our soul and our purpose.

It is the beginning of a new year: 2015. Two thousand and fifteen years after a special baby was born. Who as a man spoke strange tales of a spiritual realm and a God. A man whose words gave us a rock to build our lives on. A man who willingly allowed himself to be crucified to show that death could not hold him – or us. A man who Christians call God. Perhaps it is time to take our courage in our hands and explore this strange new land? Many have gone there before, but few have returned with tales of dragons! Instead, they come back with stories of hope and fulfilled purpose; the promised land. Shall we go?

Do we worship the same God?

There is and can only be one God.

I am not going to defend that statement but to take it as read and see where it leads in the context of different religions.  If you don’t want to accept the statement, this post is not for you so please don’t waste your time and energy reading further.

There is and can only be one God.

That one God is love.  Without God there can be no love.  And so each and every act of love is an act of God.  If a Christian loves, that is God within them.  If a Moslem loves then that is God within them.  If an atheist loves that is God within them.

That one God created and sustained the universe. He sends the rain on the good and the bad.  His laws of science knit us together in our mother’s womb, allow us to experience the world, and present us with the alternatives of love or hate, good or evil.

That one God has made each of us as an individual.  Each of us is a ‘me’.  He has given us freedom to choose to love or hate, to be good or evil.  As individuals we choose.  If we choose to love we choose God whether we know it or not, whether we are Christian, Moslem, Hindu, atheist, agnostic or Jedi.

If someone prays to the single God, creator and sustainer of the universe, to the God who is love, the God who is goodness and power, does it matter what religion they are in?

If someone chooses love and goodness, does it matter what religion they are in?

What is religion? According to the Oxford dictionary it is:

“The belief in and worship of a superhuman controlling power, especially a personal God or gods”

and

“A particular system of faith and worship”

http://www.oxforddictionaries.com/definition/english/religion

A follower of one religion can challenge whether the “system of faith and worship” of another religion is accurate.  A Christian can reasonably challenge whether what Islam teaches about what is right and wrong is right – but can a Christian challenge which God a Moslem is praying to? Or vice versa?

Can a Christian say that a Moslem worships a different God?  Or can the Christian only say to the Moslem that “you don’t know God like I do”?

I don’t need to use Christians and Moslems for the example.  I could have used Evangelical and Liberal Christians, Protestants and Catholics.

I believe that the teaching of Christ is the best description of what God intends for each of us, and that Jesus life and death are the greatest demonstration of how God loves each and every one of us.  I can guide others to the same source of love and goodness that I have found, but am I to criticise and judge them if they do not understand the Bible in the same way that I do?  Isn’t my job to love, and aren’t I supposed to leave the judgement up to God?

Isn’t religions job to help me do my job?  Surely religion is not there to put obstacles in the way of me loving others?

What does God think of all the conflict that is caused by religious dogmatism about what he is like?  Does he simply want us to get on with loving Him, and loving our neighbour as ourselves?

Grace and love to you all.

War, religion, God, and why I write

I remember a discussion soon after I became a Christian where I was asked “so what about all the other religions?”  My reply was that they were simply mistaken.  I think the remark was taken to be rather arrogant.

I read the news today. I see the conflict, anger and fear; fighting between Moslems of different sects.  I see forced imposition of religious dogma; conversion to another religion punishable by death.  We all know that this is not as it should be. And I am reminded of my reply.

Reason and evidence tells me there is a God, and my whole being tells me that love is our ultimate purpose.  And when I find that love underpins and is at the heart of Jesus teaching I begin to see how it all fits together; how we are meant to be.

If I were God and someone from another religion was praying to me, I would not ignore them because they think I have a different name, I would not condemn them because they don’t understand my intentions for them.  I would be saddened that they are misled, I would try to teach them, and I would restrain some of their actions, but I would still love them.

As a mere human trying to follow God’s purpose, I don’t hate the Muslims, or even the Westborough Baptists, but I believe they are misled and mistaken.  I hate what they do, and I want them to stop.  I want them to understand the truth, and find their real purpose.  I want that for everyone.

If we all really understood Christ’s teaching, if we really loved God with all our heart, and loved our neighbour as ourselves, if we really were ready to forgive others and restore broken relationships we know that the world would be a better place.

That is why I write.  That is why I follow Christ.  That is my purpose.

What is yours?

“A good robot is hard to find”

I came across this article, and it reminded me how amazing the animal world is, and in particular human beings.  It only took  250 million generations since the first fossil evidence of animals to evolve a human, and each one is built from a single fertilised egg.

http://www.computerworld.com/s/article/9249079/A_good_robot_is_hard_to_find_or_build?pageNumber=1