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	<title>Comments on: Notes from Budget 2009</title>
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	<link>http://www.canadiancapitalist.com/notes-from-budget-2009/</link>
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		<title>By: Canadian Personal Finance Blog &#187; Blog Archive &#187; Random Thoughts on Budgetary Week</title>
		<link>http://www.canadiancapitalist.com/notes-from-budget-2009/#comment-180783</link>
		<dc:creator>Canadian Personal Finance Blog &#187; Blog Archive &#187; Random Thoughts on Budgetary Week</dc:creator>
		<pubDate>Fri, 30 Jan 2009 06:55:19 +0000</pubDate>
		<guid isPermaLink="false">http://www.canadiancapitalist.com/?p=1692#comment-180783</guid>
		<description>[...] Canadian Capitalist took a more broad scope with his Budget Highlights post, but he had some interesting insights on some budget issues as [...]</description>
		<content:encoded><![CDATA[<p>[...] Canadian Capitalist took a more broad scope with his Budget Highlights post, but he had some interesting insights on some budget issues as [...]</p>
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		<title>By: Al R</title>
		<link>http://www.canadiancapitalist.com/notes-from-budget-2009/#comment-180704</link>
		<dc:creator>Al R</dc:creator>
		<pubDate>Thu, 29 Jan 2009 17:58:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.canadiancapitalist.com/?p=1692#comment-180704</guid>
		<description>Loki - as CC notes, you&#039;re probably in the clear, but the wording in your wife&#039;s collective agreement would provide greater clarity.  Most top ups are either a set dollar amount or a top up to a certain percentage (i.e. 90%).  If it is the latter, then the generosity of EI wouldn&#039;t decrease the net amount you would be paid.

I hope your wife&#039;s collective agreement is better than my wife&#039;s...   She is also a teacher, and doesn&#039;t get top up for periods that she would not normally be working.  In our case, we lost out on benefits during the holiday break.  Having a July baby would have lost us a lot of money!

Best of luck!</description>
		<content:encoded><![CDATA[<p>Loki &#8211; as CC notes, you&#8217;re probably in the clear, but the wording in your wife&#8217;s collective agreement would provide greater clarity.  Most top ups are either a set dollar amount or a top up to a certain percentage (i.e. 90%).  If it is the latter, then the generosity of EI wouldn&#8217;t decrease the net amount you would be paid.</p>
<p>I hope your wife&#8217;s collective agreement is better than my wife&#8217;s&#8230;   She is also a teacher, and doesn&#8217;t get top up for periods that she would not normally be working.  In our case, we lost out on benefits during the holiday break.  Having a July baby would have lost us a lot of money!</p>
<p>Best of luck!</p>
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		<title>By: Canadian Capitalist</title>
		<link>http://www.canadiancapitalist.com/notes-from-budget-2009/#comment-180701</link>
		<dc:creator>Canadian Capitalist</dc:creator>
		<pubDate>Thu, 29 Jan 2009 17:37:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.canadiancapitalist.com/?p=1692#comment-180701</guid>
		<description>Congratulations Loki! I don&#039;t think parental leave provisions of the EI program have been tinkered with. The changes only apply to those who apply for EI after losing their job. So, there should be no effect on your wife&#039;s benefits.</description>
		<content:encoded><![CDATA[<p>Congratulations Loki! I don&#8217;t think parental leave provisions of the EI program have been tinkered with. The changes only apply to those who apply for EI after losing their job. So, there should be no effect on your wife&#8217;s benefits.</p>
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		<title>By: Canadian Capitalist</title>
		<link>http://www.canadiancapitalist.com/notes-from-budget-2009/#comment-180700</link>
		<dc:creator>Canadian Capitalist</dc:creator>
		<pubDate>Thu, 29 Jan 2009 17:35:07 +0000</pubDate>
		<guid isPermaLink="false">http://www.canadiancapitalist.com/?p=1692#comment-180700</guid>
		<description>Trent: Why do you think the Conservatives don&#039;t like EI? It is true that when they were in opposition, they were criticizing the Liberals for running huge surpluses in EI premiums, which were added to general revenue. But guess what? The Cons do the same thing and now the Liberals criticize them for it! 

The fact is EI has been raided to dole out pork by both parties. The Liberals did it in areas with seasonal employment, as Al points out. The Cons are no better. They want to allow the self-employed to opt to pay into EI and be eligible for parental benefits. Guess who is going to opt in? The self-employed who are planning on getting pregnant would opt into EI, collect benefits when the baby is born and then opt out! I don&#039;t blame them; that&#039;s what I would do as well. The point is EI has been raided to pay out special groups that vote a certain way by both parties. I don&#039;t see how the Cons are any different than Liberals when it comes to it.</description>
		<content:encoded><![CDATA[<p>Trent: Why do you think the Conservatives don&#8217;t like EI? It is true that when they were in opposition, they were criticizing the Liberals for running huge surpluses in EI premiums, which were added to general revenue. But guess what? The Cons do the same thing and now the Liberals criticize them for it! </p>
<p>The fact is EI has been raided to dole out pork by both parties. The Liberals did it in areas with seasonal employment, as Al points out. The Cons are no better. They want to allow the self-employed to opt to pay into EI and be eligible for parental benefits. Guess who is going to opt in? The self-employed who are planning on getting pregnant would opt into EI, collect benefits when the baby is born and then opt out! I don&#8217;t blame them; that&#8217;s what I would do as well. The point is EI has been raided to pay out special groups that vote a certain way by both parties. I don&#8217;t see how the Cons are any different than Liberals when it comes to it.</p>
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		<title>By: Al R</title>
		<link>http://www.canadiancapitalist.com/notes-from-budget-2009/#comment-180688</link>
		<dc:creator>Al R</dc:creator>
		<pubDate>Thu, 29 Jan 2009 12:51:07 +0000</pubDate>
		<guid isPermaLink="false">http://www.canadiancapitalist.com/?p=1692#comment-180688</guid>
		<description>I would hope not - it would be bad policy.  What happens to people who legitimately seek out long-term employment but, through no fault of their own, are laid off more than once within your X years?  Your fix would make anyone who has previously drawn on EI benefits within that period  ineligible for future benefits.  It would harm the very people it is designed to help.

There are armies of policy analysts who examine these issues every day.  It&#039;s not like there are many obvious, inexpensive enhancements that can be made to the program, or else they would have been made already.  As I said earlier, there are pluses and minuses to EI.  The reality that many people think it&#039;s too generous, and many people think it&#039;s too stingy is a good indication that it&#039;s decently balanced.

I wouldn&#039;t pin this solely on the Conservatives, by the way.  The program has been status quo for a long while, which includes both Liberal and Conservative governments.</description>
		<content:encoded><![CDATA[<p>I would hope not &#8211; it would be bad policy.  What happens to people who legitimately seek out long-term employment but, through no fault of their own, are laid off more than once within your X years?  Your fix would make anyone who has previously drawn on EI benefits within that period  ineligible for future benefits.  It would harm the very people it is designed to help.</p>
<p>There are armies of policy analysts who examine these issues every day.  It&#8217;s not like there are many obvious, inexpensive enhancements that can be made to the program, or else they would have been made already.  As I said earlier, there are pluses and minuses to EI.  The reality that many people think it&#8217;s too generous, and many people think it&#8217;s too stingy is a good indication that it&#8217;s decently balanced.</p>
<p>I wouldn&#8217;t pin this solely on the Conservatives, by the way.  The program has been status quo for a long while, which includes both Liberal and Conservative governments.</p>
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		<title>By: Trent</title>
		<link>http://www.canadiancapitalist.com/notes-from-budget-2009/#comment-180612</link>
		<dc:creator>Trent</dc:creator>
		<pubDate>Wed, 28 Jan 2009 20:34:35 +0000</pubDate>
		<guid isPermaLink="false">http://www.canadiancapitalist.com/?p=1692#comment-180612</guid>
		<description>There are very easy ways of handling that situation.  You can mandate that extended benefits only go to those people who have paid into EI but not drawn on it for X years.  Simple.

But you&#039;ll never hear a suggestion like that from conservatives.</description>
		<content:encoded><![CDATA[<p>There are very easy ways of handling that situation.  You can mandate that extended benefits only go to those people who have paid into EI but not drawn on it for X years.  Simple.</p>
<p>But you&#8217;ll never hear a suggestion like that from conservatives.</p>
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		<title>By: Al R</title>
		<link>http://www.canadiancapitalist.com/notes-from-budget-2009/#comment-180609</link>
		<dc:creator>Al R</dc:creator>
		<pubDate>Wed, 28 Jan 2009 19:30:11 +0000</pubDate>
		<guid isPermaLink="false">http://www.canadiancapitalist.com/?p=1692#comment-180609</guid>
		<description>Trent - EI also works to subsidize certain industries, particularly seasonal ones such as Fishing, Tourism, etc.  People can work enough to get their hours and then spend the off-season doing nothing.  In that case it doesn&#039;t amount to insurance against unemployment.

Secondly, the way eligibility and benefit rules have been set up, the program is more generous to people in economically depressed areas, which means people have a disincentive to move to areas that are more economically robust.

The program has pluses and minuses.  Most people emphasize one side or the other.</description>
		<content:encoded><![CDATA[<p>Trent &#8211; EI also works to subsidize certain industries, particularly seasonal ones such as Fishing, Tourism, etc.  People can work enough to get their hours and then spend the off-season doing nothing.  In that case it doesn&#8217;t amount to insurance against unemployment.</p>
<p>Secondly, the way eligibility and benefit rules have been set up, the program is more generous to people in economically depressed areas, which means people have a disincentive to move to areas that are more economically robust.</p>
<p>The program has pluses and minuses.  Most people emphasize one side or the other.</p>
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		<title>By: Loki</title>
		<link>http://www.canadiancapitalist.com/notes-from-budget-2009/#comment-180608</link>
		<dc:creator>Loki</dc:creator>
		<pubDate>Wed, 28 Jan 2009 19:12:12 +0000</pubDate>
		<guid isPermaLink="false">http://www.canadiancapitalist.com/?p=1692#comment-180608</guid>
		<description>My wife will give birth in July - she is a teacher that will go on maternity leave for the full year - will the extra 5 weeks of EI lessen the amount (top-up) that the employer (Board) will pay her?</description>
		<content:encoded><![CDATA[<p>My wife will give birth in July &#8211; she is a teacher that will go on maternity leave for the full year &#8211; will the extra 5 weeks of EI lessen the amount (top-up) that the employer (Board) will pay her?</p>
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		<title>By: Ben</title>
		<link>http://www.canadiancapitalist.com/notes-from-budget-2009/#comment-180604</link>
		<dc:creator>Ben</dc:creator>
		<pubDate>Wed, 28 Jan 2009 18:37:31 +0000</pubDate>
		<guid isPermaLink="false">http://www.canadiancapitalist.com/?p=1692#comment-180604</guid>
		<description>I second Trent&#039;s motion.</description>
		<content:encoded><![CDATA[<p>I second Trent&#8217;s motion.</p>
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		<title>By: Trent</title>
		<link>http://www.canadiancapitalist.com/notes-from-budget-2009/#comment-180600</link>
		<dc:creator>Trent</dc:creator>
		<pubDate>Wed, 28 Jan 2009 16:11:28 +0000</pubDate>
		<guid isPermaLink="false">http://www.canadiancapitalist.com/?p=1692#comment-180600</guid>
		<description>Can someone explain to me the conservative&#039;s resistance to unemployment insurance (EI)?  The Republicans are the same way in the States and it makes no sense.

EI is has some very strong economic arguments in its favor:  The money is usually pumped directly into the economy, it is never saved.  It allows a worker the time and flexibility to return to one&#039;s preferred profession instead of being forced to take a lesser paying job.  That increases productivity.  And it directly helps the people most in need and avoid worse issues like foreclosures or bill delinquencies.

It is not a permanent handout, it is not putting people on the dole.  Only a small fraction of people will stay on EI rather than find a job paying more, so that&#039;s a red herring.  EI is simply an effective way to smooth out the gyrations of the labor market.

But conservatives for some reason hate the idea of extending EI benefits during recessions.  I simply cannot understand why that is.</description>
		<content:encoded><![CDATA[<p>Can someone explain to me the conservative&#8217;s resistance to unemployment insurance (EI)?  The Republicans are the same way in the States and it makes no sense.</p>
<p>EI is has some very strong economic arguments in its favor:  The money is usually pumped directly into the economy, it is never saved.  It allows a worker the time and flexibility to return to one&#8217;s preferred profession instead of being forced to take a lesser paying job.  That increases productivity.  And it directly helps the people most in need and avoid worse issues like foreclosures or bill delinquencies.</p>
<p>It is not a permanent handout, it is not putting people on the dole.  Only a small fraction of people will stay on EI rather than find a job paying more, so that&#8217;s a red herring.  EI is simply an effective way to smooth out the gyrations of the labor market.</p>
<p>But conservatives for some reason hate the idea of extending EI benefits during recessions.  I simply cannot understand why that is.</p>
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