Healthy Welfare Card: Dear Indue Ltd.....

Unhappy voters on the subject of the cashless debit card also known as the Heathy Welfare Card......

AIM Network, 5 March 2017:

Indue Ltd
C/- Stargroup Ltd
(Formerly ICash Payment Systems, Formerly Reef Mining).

PO Box 523 Toowong
QLD 4066 Australia

P: +61 7 3258 4222
F: +61 7 3258 4211
E: indue@indue.com.au

5 March 2017

Re the ‘Healthy’ Welfare Card.

Dear Indue Ltd – its Board, Directors and Shareholders,

I am aware that the Commonwealth Human Services Minister in the Turnbull government, Alan Tudge, is intending to transfer all welfare recipients to the ‘Healthy Welfare Card’ for income management purposes in the near future. As an Australian citizen I am aware that levels of unemployment in Australia are high and unlikely to fall soon due to the policies of the Turnbull government and that, therefore, there is a high risk that I may become unemployed in the near future and, hence, subject to the income management welfare card scheme initiated by the LNP government and, specifically, by the Human Services Minister Alan Tudge and the Social Services Minister Christian Porter.

I am also aware that Indue and its owners are to be paid between $4000 and $7000 from the Australian budget as fees for each person on the income management card system including possibly for myself in the future. I understand that how much Indue actually receives of tax payer’s money for each person in its management scheme as an administrative fee, including possibly for myself in the future, will depend upon whether the person resides in an urban or regional location. However, given that the Turnbull government intends to extend the operation of the income management welfare card scheme to all welfare recipients soon then the profit Indue can anticipate making from the scheme is in the region of $4.6 billion dollars. I note this amount is an additional amount of expenditure on top of the existing welfare budget as I understand the implementation of the welfare card system does not create any savings for the government that can be accredited against the alleged budget deficit. In my view this money would be better spent on reducing the alleged debt or on the people of Australia as a whole and not on creating profits for a private company with political connections such as Indue.

I am further aware that those amounts are to be paid to Indue as fees from the Department of Human Services budget which departmental budget is itself obtained entirely from the Australian Consolidated Revenue Fund that belongs to all the Australian people. I am aware that the fee amounts Indue is to receive, or that it has already received so far, for performing its income management duties to welfare recipients, have been, or will be, appropriated by the Department of Human Services from the Consolidated Revenue Fund for the purported purpose of providing welfare for the Australian people and not for misuse as payment of profits to a private company such as Indue.

I consider that if I am compelled to participate in the card scheme and become subject to Indue’s income management scheme in the future then Indue would become my fiduciary. In the case Hospital Products Ltd v United States Surgical Corps Justice Mason of the High Court of Australia said the following:

The accepted fiduciary relationships are sometimes referred to as relationships of trust and confidence or confidential relations …The critical feature of these relationships is that the fiduciary undertakes or agrees to act for or on behalf of or in the interests of another person in the exercise of a power or discretion which will affect the interests of that other person in a legal or practical sense. The relationship between the parties is therefore one which gives the fiduciary a special opportunity to exercise the power or discretion to the detriment of that other person who is accordingly vulnerable to abuse by the fiduciary of his position. The expressions “for”, “on behalf of” and “in the interests of” signify that the fiduciary acts in a “representative” character in the exercise of his responsibility…

Given that the Turnbull government is intending to transfer all welfare recipients to the income management welfare card scheme in the near future and given that I am likely to become unemployed in the future, it is almost certain that Indue will manage my income in the future and that it will do so purportedly in my interests and on my behalf as my fiduciary. On that basis, Indue would owe me the duties and obligations that usually accompany fiduciaries. Those duties would include, but would not be limited to, the obligation of complete disclosure to me, the prohibition against personally profiting from the performance of its duties to me, the obligation to avoid a conflict of interests and duties and a duty to protect me from any possible or actual losses from its management of my income. Losses that I would likely sustain from the income management welfare card scheme would include losses of opportunities to buy cheap goods or services at a cash price that I could not obtain by use of the card due to the restrictions on access to cash in the card system. Anticipated losses would also extend to any additional financial service fees I will incur due to me being forced to use the card in being denied access to cash. In those circumstances, in its capacity as my fiduciary, I would be entitled to hold Indue liable for those and any other possible losses I incur due to the operation of the card and Indue’s management of my income.

I also note that in the Hospital Products case his Honour Chief Justice Gibbs said:

A person who occupies a fiduciary position may not use that position to gain a profit or advantage for himself, nor may he obtain a benefit by entering into a transaction in conflict with his fiduciary duty, without the informed consent of the person to whom he owes the duty.

By this correspondence then, and on the basis that Indue will likely seek to become my fiduciary in the near future and stands to gain from that capacity, as it has already done with the huge profits it has already obtained from the income management welfare card scheme so far, I give notice that I do not consent to Indue managing my income or becoming my fiduciary at any time or of obtaining fees from anyone, including from the Government, for any income management services it purports to undertake for me or on my behalf.

I give further notice that if I am compelled to participate in the card programme I will hold Indue and its owners liable for any and all losses or liabilities I sustain due to the operation of the welfare card and of the income management system. Those losses and liabilities will extend to any legal costs I incur in challenging or remedying Indue’s management of my income without my consent.

Regards,

An Australian Citizen 2017

Facebook, Tina Clausen‎ to Milton Dick MP

14 March 

I am really angry about the proposed expansion of the Cashless Welfare Card:

After having worked as a professional Social Worker for twenty years including in agency management and interdisciplinary team leader positions, then having to leave the workforce due to illness, how dare the LNP government assume that I am suddenly incapable of managing my own income and decide that I should be treated like a child and a criminal?

LNP are taking away my basic Human Rights of dignity, self-determination and social freedom. They are also illegally disadvantaging me by letting Indue retain interest earned on money in my account as well as forcing me to access goods and services that are more expensive than I get them for now. Money is tight and I'm managing my budget accordingly, they and private for profit company Indue will blow my budget out the window.

Logistically and practically the card is not working and is a nightmare for the general public, whom they are employed to serve in their best interest. This is in no ones best interest except Indue and its shareholders. The $4000 or more the scheme costs to manage per person could be better spent on increasing beneficiary payments, at least that way the money would be funneled back into local communities and thereby stimulating the economy.

The card was initially brought in to support people that had difficulties managing their income appropriately due to addiction issues. That is where it can be targeted, at an individual level for people identified within existing frameworks as being at risk eg via police, child safety services etc.

It is not appropriate to bring the card in wholesale across entire communities and eventually across the nation. We all have the right to live without excessive government interference in our day to day lives. This card only benefits Indue and the big chain stores especially. It is big brother in full action.  

Another issue is that whereas New Start recipients can leave the scheme when they find employment, people with chronic illnesses or disabilities will be stuck on it for life. They already have a hard time and now they want to punish them further?

I would not be able to continue my cheap insurance with Budget Direct, I would have to go to more expensive insurance providers. People can't shop at cheap fresh food markets or garage sales but can go to Woolworths or the very expensive David Jones. 20% cash does not come close to meeting costs where you are unable to use the card, can't even pay off a credit card debt or a mortgage with a re-draw facility if some people have those loans as you are not allowed to transfer money to those.

Unscrupulous individuals as well as shop owners are already taking advantage of people on the card and ripping off the most vulnerable in our society. They do this by taking a percentage of desperate peoples money in return for a cash exchange and shops in areas with little competition massively increase their prices. We are talking 200-400% price hikes.

The sad thing is the card doesn't even address the initial issue the card was brought in for - those few who might actually need such assistance have found ways around it out of sheer desperation or embark on crime sprees to make up their shortfall.

We are a free country and as politicians there to serve the people they have no right to impose such a punitive and draconian scheme on unwilling Citizens. We NEVER voted for or said 'yes' to such a scheme.

Faithfully,

Tina Clausen.

PS. Many people are not aware that the card is not only for people on unemployment benefits but for all people who receive any kind of government benefits including carers pension, family income support, parenting allowance, disability support, youth allowance, sickness benefits and so on, only aged pensioners are excluded (for now).

Out of the frying pan and into the fire for NSW & Qld regional newspapers?

In June 2016 when APN News & Media announced that it was selling its faltering Australian regional newspaper operations to News Corp, staffing levels at APN east coast regional newspapers had long ago been pared to the bone.

Now News Corp is also embarking on yet another round of staff reductions and work practice changes across its mastheads.

The Guardian, 11 April 2017:

Rupert Murdoch’s Australian tabloids are making the majority of their photographers and subeditors redundant in a radical cost-cutting move designed to keep the ailing newspaper business afloat.

The director of editorial management, Campbell Reid, said the restructure of the traditional newsroom was needed to “preserve in print and excel in digital”.

The Daily Telegraph, the Herald Sun and the Courier-Mail are set to lose dozens of staff each – the Queensland masthead alone will cut 45 – although the company is not revealing the total number of job losses.

The announcement follows a cost-cutting drive in December which saw 42 journalists, artists and photographers made redundant in a bid to slash $40m from News Corp.

Last week the Gold Coast Bulletin was told it had to lose 10 jobs, and sources said dozens of people had been quietly made redundant already this year across all the mastheads.

News Corp said the old model of staff photographers would be retired for a “hybrid model, consisting of a core team of photographic specialists, complemented by freelance and agency talent”.

At a meeting at Sydney’s Holt Street headquarters, the Daily Telegraph editor, Chris Dore, told staff the photographers would lose their permanent status but may be hired back as casuals and freelancers.

Staff at the Herald Sun were told News Corp “is in a fight for its life”.

There was no mention at the meeting of the company’s financial losses which are behind the move. In February News Corp posted a second-quarter loss of $287m and cited impairments in the Australian newspaper business as a key factor. The Australian editors were summoned to the US for a meeting about making substantial cuts to operations.

News described the changes as a modernisation of the newsroom which would “simplify in-house production and maximise the use of available print technology for print edition production”.

“Like every other business today, we have to identify opportunities to improve and modernise the way we work to become more efficient,” Reid said.

According to Media, Entertainment & Arts Alliance, 11 April 2017:

Management also flagged significant changes to work practices with earlier deadlines, greater copy sharing across cities and mastheads, and journalists taking up more responsibility for production elements and proofing their own work, which has journalists concerned about already stretched news gathering resources and maintaining the editorial standards of their mastheads.

                                                                              

Australia has the highest rate of land clearing in the developed world, according to the Dept. of Intergenerational Theft

https://youtu.be/9DBf40a3tLc

Australia has a land mass of 149,50,000 km² or est. 14.94 billion hectares.

According to the FOOD AND AGRICULTURE ORGANIZATION OF THE UNITED NATIONS, GLOBAL FOREST RESOURCES ASSESSMENT 2015 the following figures are fact:

In 2015 only 16.2  per cent of Australia’s land mass was forest and another 32.7 per cent had another form of tree cover.

There are now only 5 million hectares of primary forest remaining in this country and we are losing an est. 201,600 hectares of this type of forest each year, principally due to commercial logging.

Mangroves now cover only 913,000 hectares of coastal land.

Introduced species tree cover, presumably for commercial forestry and orchards, totalled 1.02 million hectares in 2015.

Gotta love First Dog!

First Dog on the Moon

Quotes of the Week

The president doesn’t want to shoot this hostage [ObamaCare], but Democrats should be calling him up and begging him not to shoot the hostage. They should be grateful for the chance to negotiate a deal in which he merely cuts off all the hostage’s fingers. After all, who is the public gonna blame for the hostage’s murder: the people who loved it, or the guy with the gun shouting all of this through a bullhorn? [Journalist Eric Levitz writing in New York magazine on 12 April 2017]

It’s almost as if Centrelink set out to design the worst system possible. It’s as if the department worked at finding the most vindictive and imprecise arrangements through which to pursue the people it is supposed to serve, then put out a tender to see if they could be made more cruel. [The Saturday Paper, editorial, 15-21 April 2017]

Every man and his dog may soon have access to your personal medical history if you live in Australia

A federal government digital medical information storage and retrieval system, which will eventually contain information on every person permanently residing in Australia and which was hacked even before it publicly went online, is now going national – and it still has significant privacy problems.

The Daily Telegraph, 10 April 2017:

THE private health records of Australians can be accessed by more than half a million people under the latest bungle with the $2.2 billion electronic My Health Record.

News Corp Australia has learned that the privacy settings on the government’s computerised My Health Record, which lists every medicine a patient takes and records every medical visit and procedure, are automatically set on “universal access”.

This means every registered health practitioner in the nation — 650,000 people — can view them, not just the family GP, unless the patient specifically requested to opt out.

Occupational therapists working for an employer, doctors working for insurance companies, a dietitian, an optometrist or a dentist or their staff can view the record and see if individuals have a sexually transmitted disease, a mental illness, have had an abortion or is using Viagra.

“Potentially your employer’s occupational therapist can look at your record and get information they really shouldn’t be getting access to, its confidential data,” says former AMA president Dr Mukesh Haikerwal who was a government consultant on the My Health Record.

The bungle came about because the record was originally set up as an opt in system and when people set up their record they were given the option to set a PIN number to protect the information and determine who got to see it.

Nearly four million people set up a My Health Record under the opt in system but doctors weren’t using it because four years after it was established 83 per cent of Australians still did not have one.

Last year the Turnbull Government trialled turning the failed record into an opt out system.

One million people in the Nepean Blue Mountains area of NSW and Northern Queensland were given a record unless they opted out.

News Corp has now learned only 147 of these one million Australians automatically given a record under the trial set up a PIN number to protect their health information.

“147 My Health Records created in the trials have access controls set to restrict which healthcare providers can see the record, or have controls restricting access to certain documents in the record,” the Department said.

“This equates to 0.0151 per cent of My Health Records automatically created in the trials. This is consistent with the rates of access controls set by those who have opted to register for a My Health Record,” a spokeswoman for the department said.

The My Health Record lists a person’s medications and allergies, doctors can upload a health summary about the person’s health problems, eventually the system will include X-ray results, pathology results, hospital discharge summaries and other data that for the first time can be shared between medical practitioners.

The privacy problem is about to affect everyone because two weeks ago state and federal health ministers agreed to give every Australian a My Health Record unless they opt out.

This decision was made even though the results of the original opt out trial have never been made public.

And it means the health records of every Australian will soon be on open access.

The Australian, 27 March 2017:

Companies bidding for the Medicare digital payments system have been given the option of proposing a new identity card to protect against fraud and improve system capabilities.

As the federal government pushes ahead with electronic health records, in anticipation of a digital health revolution, The Australian has learned the Department of Health has made identity management a key part of the new payments system and left it open to companies to propose alter­natives.

Companies may suggest alternatives to the green Medicare card — which holds no data, just a magnetic strip and numbers for indiv­iduals whose information is stored in a database — and forms of identity for veterans’ affairs, aged care and related payments.

It would be the biggest shift since the Howard government proposed the Australian Access Card, a broad-function smartcard that attracted privacy concerns and comparisons to the ill-fated Australia Card of the 1980s and was dumped by the incoming Rudd government.

A departmental spokeswoman emphasised that there was no proposal for a new identity card under moves to develop a new digital payments system.

“While the Depart­ment of Health has not been prescriptive, the presumption is that the Medicare card and number will continue to be the basis for identification,” she said.

The option for a new identity management solution came after health ministers decided on Friday that the My Health Rec­ord system would be opt-out, making electronic medical records compulsory for all Australians unless they said otherwise, despite trials of that model having yet to report.

Australian Doctor, 27 March 2017:

Australian health ministers have officially agreed to a national opt-out model under which every patient will have a MyHealth Record created for them by default.

Yet precisely when the model will be rolled out remains to be seen.

Federal, state and territory health ministers met in Melbourne on Friday, where, according to a communique, they agreed "to a national opt-out model for long-term participation arrangements" in the My Health Record system.

The agreement precedes the release of findings from two pilot trials of opt-out enrolment systems, in North Queensland and NSW's Blue Mountains, which included nearly one million patients.

A little history…….

News.com.au, 11 September 2016:

THE man who led the dumped UK digital health record system has been put in charge of Australia’s bungled $1 billion e-health record and is being paid as much as the Prime Minister to fix it.

Former journalist Tim Kelsey will be paid a total remuneration package worth $522,240 a year, almost the same as Malcolm Turnbull and just shy of the $548,360 paid to the Chief of the Navy and more than the Chief Scientist, the head of the Fair Work Commission and the Inspector General of Taxation, a remuneration tribunal determination reveals.

The former NHS executive is an interesting appointment as CEO of the Australian Digital Health Agency because he was in charge of the UK digital health records scheme Care.data dumped by the UK’s National Health System in July.

The Department of Health stated that Mr Kelsey is uniquely suited to the role because of his experience with data and digital platforms in health and personal privacy.

The Care.data scheme to store patients’ medical information in a single database suffered multiple delays and was then scrapped after major problems emerged over patient confidentiality.

It was similar to Australia’s My Health Record that Mr Kelsey will now oversee.

And some Americans still believe Donald Trump has a high IQ?

When US President Donald Trump began receiving his intelligence briefings in January, his team made a request: The president, they said, was a visual and auditory learner. Would the briefers please cut down on the number of words in the daily briefing book and instead use more graphics and pictures? [The Sydney Morning Herald, 9 April 2017]