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Hinny
11-08-2005, 06:40 PM
I said to katie a few days ago I was gonna make a how-to guide to scoring yourself free government money. So here it is, kids.

Part 1: The basics.

You must be an Australian resident.

You can get it if you are:

- 16-24 and studying full time, or
- Agred under 21, umemployed, looking for work or combining part time study with job search, or temporarily incapacitated for work.

Bocks
11-08-2005, 06:45 PM
Hinny! god damn how is this possile. they told me my parents make too much combined.

Bocks
11-08-2005, 06:45 PM
by the way im 17 studying full time

JOLENE
11-08-2005, 06:46 PM
It shouldn't matter what your parents make, who made the stupid rule?
People get punished because they get off their arses and make money, while lazy shits get the hard workers money handed to them on a silver platter!

:: katie b ::
11-08-2005, 06:46 PM
yeah same ere!!!!

is that all the criteria they need? either of those two things?????????????

Hinny
11-08-2005, 06:47 PM
Part 2: Are you independent?

You are if you...
- have left school for at least 18 months and have earnt about $17000 in an 18 month period
- worked to support yourself for 18 months, working full time for at least 30 hours a week in the last 24 months
- have worked part time for at least 15 hours a week for at least 2 years since leaving school

There's more on this, but I don't think it applies to anyone here.

Hinny
11-08-2005, 06:55 PM
Part 3: The income test

If you're not independent, there are of course tests.

Firstly, the parental income test:
The payment rate reduces if parent's income exceeds $28850 plus for addition dependent children:
- $1230 for the first dependent child under 16, then $2562 for each additional child.
- $3792 for each each dependent child aged 16-24 and in full time study, or 16-20 and seeking employment

For every 4 bucks over the threshold, the rate reduces by a dollar.

Hinny
11-08-2005, 07:03 PM
Part 4: The assets test
No payment will be made if the family's assets exceed $502750

Hinny
11-08-2005, 07:09 PM
Part 5: The payment rate

I'll just put up the ones that are relevant:

- single, aged under 18, at home: $178.70
- single, aged under 18, away from home: $326.50
- single, 18+, at home: $214.90
- single, 18+, away from home: $326.50

You also get a health care card if you qualify for a payment.

Now get out your parent's income statements and a calculator, and let your brain fry.

what
11-08-2005, 07:10 PM
this stinks. i'm ineligible for this shit but i still get fuck all from the rentals for uni n stuff.

Hinny
11-08-2005, 07:13 PM
The centrelink youth allowance number is 132490 if you're up for it. Tell the guy on the phone you wish to make an intent to claim. This way, if you application is accepted, the payment starts on this day rather than when the payment is approved. Make an appointment for an interview with the YA guy at your local Centrelink. Then get there.

Hinny
11-08-2005, 07:15 PM
Really, you can just get all this from the information here, if you'd rather print all this out and sift through the details:

The official payment details (http://www.centrelink.gov.au/internet/internet.nsf/filestores/co035_0507/$file/co035_0507en.pdf)

Bocks
11-08-2005, 07:28 PM
Part 4: The assets test
No payment will be made if the family's assets exceed $50275
can i get around this??

Hinny
11-08-2005, 07:30 PM
can i get around this??
I made a mistake. I left out a 0 at the end.

Miss Fishy
11-08-2005, 07:32 PM
my parents have too much.

despite the fact i dont live with them.... i am not independant. grrrr

Hinny
11-08-2005, 07:34 PM
my parents have too much.

despite the fact i dont live with them.... i am not independant. grrrr
Do they pay for your rent, or are you living with a relative?

Bocks
11-08-2005, 07:39 PM
my parents have too much.

despite the fact i dont live with them.... i am not independant. grrrr
LIE BITCH! JUST LIE!

Hinny
11-08-2005, 07:43 PM
LIE BITCH! JUST LIE!
You get hit with fines, debt and potential court dates.

Those Centrelink folks are very good at going after people who rort the system. They're even better at going after people who appear to be rorting the system, but aren't.

:: katie b ::
11-08-2005, 07:46 PM
DAMN IT. PARENTAL INCOME STATEMENTS. im screwed.

thanks for NOTHING hinny. i was so close too.

i appreciate u posting it however. god bless ure little heart.

Hinny
11-08-2005, 07:55 PM
DAMN IT. PARENTAL INCOME STATEMENTS. im screwed.

thanks for NOTHING hinny. i was so close too.

i appreciate u posting it however. god bless ure little heart.
I'm due to graduate soon. I'll get a job that can cover rent. If you move in with me, you can get the $326.50 per fortnight under partnered without children, plus rent assistance.

Miss Fishy
11-08-2005, 07:56 PM
Do they pay for your rent, or are you living with a relative?

they pay for my rent. Am trying to get a job, would be independant if coles didnt screw up my bloody transfer when i moved.

Bocks
11-08-2005, 08:02 PM
katie puts out. does that count for anything?

Hinny
11-08-2005, 08:17 PM
katie puts out. does that count for anything?
Not unless this involves yours truly.

storm_gal
11-08-2005, 08:46 PM
alright so I'm 21 and live at home. I'm currently studying and work 15 hours a week part time does that mean I can get youth allowance? or do I still have to take the family asset factor into account and if its lower than what u stated, its all good?

Hinny
11-08-2005, 08:50 PM
Part 2: Are you independent?

You are if you...
- have left school for at least 18 months and have earnt about $17000 in an 18 month period
- worked to support yourself for 18 months, working full time for at least 30 hours a week in the last 24 months
- have worked part time for at least 15 hours a week for at least 2 years since leaving school

Sounds close enough. A phone call wouldn't do any harm.

swede
11-08-2005, 10:25 PM
i dont like the c-l w****rs

swede
11-08-2005, 10:25 PM
DAMN IT. PARENTAL INCOME STATEMENTS. im screwed.

thanks for NOTHING hinny. i was so close too.

i appreciate u posting it however. god bless ure little heart.

go to work young lady!

Hinny
11-08-2005, 10:31 PM
i dont like the c-l w****rs
The workers aren't all bad.

lozzy
11-08-2005, 11:01 PM
this stinks. i'm ineligible for this shit but i still get fuck all from the rentals for uni n stuff.
same.

do voluntary hours or work placement hours count?

Hinny
11-08-2005, 11:24 PM
same.

do voluntary hours or work placement hours count?
Voluntary, yes.

Work placement is a grey area. I'm still trying to find out.

jimmy
12-08-2005, 12:44 AM
It shouldn't matter what your parents make, who made the stupid rule?
People get punished because they get off their arses and make money, while lazy shits get the hard workers money handed to them on a silver platter!

this is such an elitist unfair attitude to have.

The amount of money you have doesnt reflect ur work ethic etc, infact i find that those who were brought up in a very weathly household (there may be exceptions) tend to have bugar all work ethic as they are used to being "spoon-fed" their whole lives.

Ever heard of a "fair-go", thats what australia is suposed to be all about. No matter what ur background you should be able to enjoy the same education as anyone else and benefit from tertiary study if you wish, and therefore do what ever you want with ur life (which is slowly being taken away). But some people aren't fortunate enough to come from a household that can provide for them throughout their uni lives, so youth allowance can help give them the financial support that would be unavailable from their olds.

Think about where youth allowance is really coming from before you try and get it. Its not just a handout that the government pulled out of their preverbial, its come from everyones taxes. So consider, do you need it to live and make it through uni, or do you need it to fund ur social life. think about the 2million aussies living below the poverty line. people are just so selfish these days they lose sight of how lucky they are...

it also gathers up the differently grounded sentiments of the 'North Shore' people, and the high-achiever elements of the upper 'middle class' who actively back the reformers or, like their American equivalents, have not much idea of and little interest in how the other half lives.Michael Pusey - 'The Experience of Middle Australia - The Dark Side of Economic Reform'

swede
12-08-2005, 12:45 AM
The workers aren't all bad.

har har har

Bocks
12-08-2005, 01:08 AM
this is such an elitist unfair attitude to have.

The amount of money you have doesnt reflect ur work ethic etc, infact i find that those who were brought up in a very weathly household (there may be exceptions) tend to have bugar all work ethic as they are used to being "spoon-fed" their whole lives.

Ever heard of a "fair-go", thats what australia is suposed to be all about. No matter what ur background you should be able to enjoy the same education as anyone else and benefit from tertiary study if you wish, and therefore do what ever you want with ur life (which is slowly being taken away). But some people aren't fortunate enough to come from a household that can provide for them throughout their uni lives, so youth allowance can help give them the financial support that would be unavailable from their olds.

Think about where youth allowance is really coming from before you try and get it. Its not just a handout that the government pulled out of their preverbial, its come from everyones taxes. So consider, do you need it to live and make it through uni, or do you need it to fund ur social life. think about the 2million aussies living below the poverty line. people are just so selfish these days they lose sight of how lucky they are...

Michael Pusey - 'The Experience of Middle Australia - The Dark Side of Economic Reform'


"jellibean" you've just been pwned.

:: katie b ::
12-08-2005, 01:27 AM
omg this has turned into question time...fucken politics.

JOLENE
12-08-2005, 08:32 AM
this is such an elitist unfair attitude to have.

The amount of money you have doesnt reflect ur work ethic etc, infact i find that those who were brought up in a very weathly household (there may be exceptions) tend to have bugar all work ethic as they are used to being "spoon-fed" their whole lives.

Ever heard of a "fair-go", thats what australia is suposed to be all about. No matter what ur background you should be able to enjoy the same education as anyone else and benefit from tertiary study if you wish, and therefore do what ever you want with ur life (which is slowly being taken away). But some people aren't fortunate enough to come from a household that can provide for them throughout their uni lives, so youth allowance can help give them the financial support that would be unavailable from their olds.

Think about where youth allowance is really coming from before you try and get it. Its not just a handout that the government pulled out of their preverbial, its come from everyones taxes. So consider, do you need it to live and make it through uni, or do you need it to fund ur social life. think about the 2million aussies living below the poverty line. people are just so selfish these days they lose sight of how lucky they are...

Michael Pusey - 'The Experience of Middle Australia - The Dark Side of Economic Reform'


Ok maybe i wasn't clear, What I was meaning that all people (students) regardless of their parents financial situation should be entitled to this allowance to help them thru uni. The parents who earn lots more money are the ones essentially paying for the financial help through taxes, so why should their kids miss out on extra help? My parents are wealthy as, but I never got any hand outs from them, but I wasnt entitled to any extra help from government because my parents earned too much. While at school I worked two different jobs so I wouldn't have huge student loan debt. Where is the fairness in that? When there are other students whose parents are on the doll that got that money just given to them?
The allowance should not be based on what the students parents earn/assets.

What I have huge issues with, is people who earn just over income threasolds so they don't get any extra government help for anything ... im talking about childcare, mortgage etc .. but its their own taxes that are going to pay for the lady up the road that keeps popping out children with no means of supporting them financially except taking money from the government, our hard earned taxes. (Different topic but I had just filled out a survey about it when posting my last post and both topics got all mixed up) .. so if you don't understand where I'm coming from, then you obviously haven't enough life experience to really comment.

Bocks
12-08-2005, 09:19 AM
nup shutup. owned.

Hinny
12-08-2005, 10:38 AM
JB, I don't know enough about the NZ situation to comment.

swede
12-08-2005, 12:20 PM
my parents earn too much so i went n worked my arse off in all the holiday breaks for uni to become independant. if i can do it, so can u all

bek
12-08-2005, 12:22 PM
my parents earn too much so i went n worked my arse off in all the holiday breaks for uni to become independant. if i can do it, so can u all

exactly!! well said!!!

JOLENE
12-08-2005, 12:50 PM
yea so did i, all im saying is that things need to be fair, it should be one rule for all.

I think the NZ welfare system is different from aussie, not really sure.

lozzy
12-08-2005, 01:14 PM
my parents earn too much so i went n worked my arse off in all the holiday breaks for uni to become independant. if i can do it, so can u all
i don't think we should have to. i agree with jellibean.
The parents who earn lots more money are the ones essentially paying for the financial help through taxes, so why should their kids miss out on extra help? My parents are wealthy as, but I never got any hand outs from them, but I wasnt entitled to any extra help from government because my parents earned too much.

:: katie b ::
12-08-2005, 01:17 PM
oh well, the thought of using taxpayers money to fund my alcoholic beverage purchases and uni food snacks seemed fun for the moment.

JOLENE
12-08-2005, 01:38 PM
oh well, the thought of using taxpayers money to fund my alcoholic beverage purchases and uni food snacks seemed fun for the moment.

funny :rolleyes:

You know, your uni days and being your age and all should be the best time of your life, before you have to really grow up and deal with adult hood and adult issues, and children, mortgages, long work hours .. etc .. why would you really want to spend that time working your ass off just to get by? Why start your adult life exhusted?

swede
12-08-2005, 01:48 PM
lozzy - i dont think u should have to earn the money to get the money either, im just sayin with the current system u can still get it with ur parents earning too much. i know before i had, i had the shits cause it is hard to earn that money, but i tried n got it eventually.

jimmy
12-08-2005, 06:58 PM
youth allowance should be there to enable people, who come from a less 'well off 'background, the opportunity to study, not to enable rich kids to have a 'good time.'

The parents who earn lots more money are the ones essentially paying for the financial help through taxes, so why should their kids miss out on extra help? My parents are wealthy as, but I never got any hand outs from them, but I wasnt entitled to any extra help from government because my parents earned too much.

The parents who earn more money have more money to support their child, and by support i mean accomodation, food, health etc. People who come from a poorer family dont get this "handout" to enjoy in any way they see fit, they use it to pay for accomodation, food etc. A friend at uni works 2 jobs, gets the allowance and still struggles to live in sydney (and still has a huge student debt). Another person i know of comes from a family earning $150,000 p.a. and gets the allowance, it funds her social life/holidays/clothes etc etc. where's the fairness in that?

funny :rolleyes:
You know, your uni days and being your age and all should be the best time of your life, before you have to really grow up and deal with adult hood and adult issues, and children, mortgages, long work hours .. etc .. why would you really want to spend that time working your ass off just to get by? Why start your adult life exhusted?

This is exactly my point!!!!! people from poorer families have to work their arse off through uni in order to survive, and still come out with huge student debt. these people deserve more allowance not the kids from the 'weathly as' family, who's parents easily have the means to afford accom, food, etc.

so if you don't understand where I'm coming from, then you obviously haven't enough life experience to really comment.
I understand where ur coming from, and i just dont agree... My vision for australia and the world is one where people who were born into poor families are still able to do what they want with their lives, still able to train as lawyers, doctors, buisness people etc etc, if thats what they wish. Youth allowance can give people a means to do this, there simply isnt enough money to go around for everyone so i believe those who really really need it should be given first priority....

JOLENE
12-08-2005, 10:02 PM
If the world was a fair place, then education would be free! But its not

And I would like to hear your opinion when one day you are earning $150,000 and helping pay for people who can't be fucked getting off their backsides and getting a job.

And not once have I said that money should be used for partying, it should be put straight into student loan debt. And not all well off people support their kids.

I also understand your vision for australia, but not everyone thinks that way, there are way more people that just like to use the system to be as lazy as possible. New Zealand's government is well known to people as being one of "if you do the right thing you get penalised, if you do nothing, you get help"

Hinny
12-08-2005, 10:05 PM
And I would like to hear your opinion when one day you are earning $150,000 and helping pay for people who can't be fucked getting off their backsides and getting a job.
Reading this, it sounds like you're putting every dole recipient in the same basket. I'm sure this is the case for SOME people, but there's lots of people out there who'd rather work than just collect money.

Anyway, I'm with James. The money should be for those who have no conceivable way of supporting themselves through their education.

jimmy
12-08-2005, 10:17 PM
And I would like to hear your opinion when one day you are earning $150,000 and helping pay for people who can't be fucked getting off their backsides and getting a job.

i'll never earn 150,000, i chose the wrong career, :p. and im not talking about giving random handouts to people who cant be bothered to get a job, im talking about their kids, should they be denied the opportunity of going uni just cause their parents are lazy. and also there are plenty of honest hardworking people who arent that well off and need assistance in sending their kiddies to uni. its unfair to judge peoples character based on the size of their wallet.

lozzy
12-08-2005, 10:35 PM
i know what you're saying jimmy, and i agree with most of it, however....i know plenty of people at uni who live with their parents who still have to pay rent, food, stuff for uni etc and cannot get help because of their parents earn too much. so they have to work 2 jobs aiming to become independent to get the money and their uni marks suffer because of it. it becomes especially hard when they have to do placement. i think it's crap and they should take more things into account.

jimmy
12-08-2005, 10:52 PM
yeh, its hard to assess isnt it. someone who pays rent, buys food, is surely more independent ( wouldnt they earn more then the award anyway), then someone who earns money just for the extras and gets the rest (most of it) from their super-rich parents. yet i would tend to think that someone with poorer parents would need it more as the others would still have their parents to fall back on, assuming their parents arent complete stooges.

JOLENE
13-08-2005, 08:59 AM
im not here to argue with anyone, all im trying to say is there should be one rule for all students, regardless of what their parents earn. Every student should have the same right regardless if their parents have a lot of money or not. You say you understand, and yet you go straight back to saying the poor kids should be more entitiled.

And i'm not lumping everybody into the same catergory that are on the dole. Just most everybody! Sorry but thats just how it is. people on the dole should have to work to get that money, even if it means shoveling dirt, or pushing around trolly's, and if they are incapable of doing that then they should be on a sickness benefit. People on the dole should have to contribute to society the same way that people who work do so by paying their taxes.

JOLENE
13-08-2005, 09:02 AM
Anyway maybe we should talk about something else to get away from this debate. hey I know! Lets talk about religion?!?!?! :D

Hinny
13-08-2005, 10:32 AM
Anyway maybe we should talk about something else to get away from this debate.
Sure.

http://img.photobucket.com/albums/v495/Hinnster/IOwnYouseAll.jpg

Bocks
13-08-2005, 11:46 AM
windohs 98'ing it hinny?

lozzy
13-08-2005, 01:59 PM
that was me hinny. i was checking missy's account.

lozzy
13-08-2005, 02:16 PM
that was me hinny. i was checking missy's account.
damn. missy posted. now it is obvious i was lying.

jimmy
13-08-2005, 06:24 PM
You say you understand, and yet you go straight back to saying the poor kids should be more entitiled.


sorry everybody, i just wanna attempt to clear this up one more time... poor kids are far worse off than rich kids to start off with, so youth allowance should help these kids have a chance to 'catch' up. it's unfair to think that all people who actually need youth allowance are 'dole bludgers' cause they're not...

but anyway we aint gonna agree so why bother with it... instead check out this hillarious video


http://www.blogtelevision.net/p/Watch-Video-Sercee-TV___1,2,,10910.html

jimmy
13-08-2005, 06:25 PM
good to see missy is a member of the official street team.

JOLENE
13-08-2005, 09:58 PM
. it's unfair to think that all people who actually need youth allowance are 'dole bludgers' cause they're not...



Oh you have totally misread my posts. I never called youth allowance students 'dole bludgers', in fact i was saying that ALL students should be entitled to it! How hard is that to understand?

I then go on to talk about people on the dole .. two different topics mate.

jimmy
14-08-2005, 03:54 PM
in fact i was saying that ALL students should be entitled to it! How hard is that to understand?

there isnt enough government money for everyone, hell if the government could just pull money out of their arse and give it to us then why are we working at all... i dont believe all students should be entitled cause i dont believe all students need it.

:: katie b ::
14-08-2005, 04:08 PM
h to tha y:

my friend is living with guardians atm, her parents are overseas working. shes in year 12 atm, doing the HSC...is she legible for AUSTUDY or something?? where do we look...centrelink or govt websitess? like whaaa ma nizzle.?

jimmy
14-08-2005, 04:18 PM
jellibean - we just have complete diff opinions on this, i understand wat ur saying, just dont agree. lets agree to disagree, *shakes hand*, no hard feelings... :D

Hinny
14-08-2005, 05:00 PM
h to tha y:

my friend is living with guardians atm, her parents are overseas working. shes in year 12 atm, doing the HSC...is she legible for AUSTUDY or something?? where do we look...centrelink or govt websitess? like whaaa ma nizzle.?
Guardians and parents are treated as the same thing. It's all dependent on whether she is independent and the kind of suppot she gets.

More importantly, is she over 18, and is she hot?

Hinny
14-08-2005, 05:02 PM
Jimmy hit the nail on the head. There just isn't the public money, and it'll only get worse what with the declining birth rate and the boomers retiring. A declining birth rate is good for the environment, just not good for the post-boomer generations who have to pick up the boomers' slack.

:: katie b ::
14-08-2005, 07:12 PM
Guardians and parents are treated as the same thing. It's all dependent on whether she is independent and the kind of suppot she gets.

More importantly, is she over 18, and is she hot?


yeh shes 18.

JOLENE
14-08-2005, 09:49 PM
Yea I agree theres not enough money to go around, but i do think the government should prioritise better (remember we are talking about different governments) .. I would happily pay 10 or 20 percent more tax if this meant free education and free health.

We are coming up to elections soon, so this is why its all so important to me right now! I know im just one vote, but hey if you don't vote you got no right to dispute anything they are doing. This dole thing is so bad in New Zealand that people on the dole are banned from moving to certain cities in NZ, coz people do that just so they know they won't be able to find a job. Also they are starting to implement a new system where working families get more money, but in the end its just helping the lower class people have the same amount of money flowing in as people that are working the hours to get that money. In my situation, my partner works 60 hours plus per week, leaves before kids wake, and is usually home after kids go to sleep. And now with this new system, we get absolutely nothing coz we earn too much money, but other families who have less demanding jobs, who get to spend more time with their families, have less stress, are going to be bringing in the same money as us. I just can't comprehend how this is fair? What is this teaching us? Leave your job, go get an assistants job coz it doesn't really matter what you do, you still get paid the same in the end!

Ok now im just babbling, but it would be nice to think that you can go out and get paid what you really earn, and that if you work harder, you get more. And I'm not even going into the issues with my daughters glasses and my son's special needs (aspergers), that we don't get any help with because we earn too much, and yet we only earn enough really to cover our mortgage ,, etc .. when solo mothers who have never worked a day in their life, and have four kids to four different fathers, get all this handed to them because they aren't well off.

JOLENE
14-08-2005, 09:51 PM
And obviously I really have no idea when to stop going on ... :D

JOLENE
14-08-2005, 09:53 PM
and i completely blame hinny for starting this thread and getting me to jump up on my band wagon!!

Tinkers
14-08-2005, 10:05 PM
and i completely blame hinny for starting this thread and getting me to jump up on my band wagon!!
do you mean stand on your soapbox? im not sure how youd jump on your own bandwagon...? :confused:

:: katie b ::
14-08-2005, 10:07 PM
and i completely blame hinny for starting this thread and getting me to jump up on my band wagon!!


i asked hinny to start this thread for me cos i had a few questions. dont blame him for ur uncontrollable political outbursts.

Mickey
14-08-2005, 10:08 PM
ahhaha

Hinny
14-08-2005, 10:43 PM
and i completely blame hinny for starting this thread and getting me to jump up on my band wagon!!
I'm enjoying it, actually. I love political discussion. I feel there's not enough of it around these parts.

jimmy
15-08-2005, 12:11 AM
And obviously I really have no idea when to stop going on ... :Dme to... :D

i asked hinny to start this thread for me cos i had a few questions. dont blame him for ur uncontrollable political outbursts.Blame me...:D

I'm enjoying it, actually. I love political discussion. I feel there's not enough of it around these parts.Me too...:)

JOLENE
15-08-2005, 07:18 AM
do you mean stand on your soapbox? im not sure how youd jump on your own bandwagon...? :confused:


i never was any good with those things .. i always get it wrong!!

JOLENE
15-08-2005, 07:20 AM
i asked hinny to start this thread for me cos i had a few questions. dont blame him for ur uncontrollable political outbursts.


it was a joke! Where's your sense of humour?

JOLENE
15-08-2005, 07:23 AM
me to... :D

Blame me...:D

Me too...:)


Well I could go on .. i have tonnes and tonnes of examples to back up everything I say!!

But anyway, I'm voting Labour this time, only simply because they are going to take away the interest on student loans .. I'm not that keen on Helen Clarke .. think she's a big baby .. but then when you compare to what else is out there .. she's not that bad ..

-tor-
15-08-2005, 10:46 PM
Could I have some more info on how to become an independent and what you are entitled to? I know you have to earn around 17 grand in 18 months, is this any given 18 month period?

Hinny
16-08-2005, 09:30 AM
Could I have some more info on how to become an independent and what you are entitled to? I know you have to earn around 17 grand in 18 months, is this any given 18 month period?
Yes.

The entitlements and pretty much everything you need to know can be found here (http://www.centrelink.gov.au/internet/internet.nsf/filestores/co035_0507/$file/co035_0507en.pdf)

Basically, you get between $214.90-326.50 per fortnight, plus a health care card, and possibly rent assistance ($65 pf for singles living in a share house).