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	<title>
	Comments on: How can couples save if only one of them works?	</title>
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	<link>https://daphnecaruanagalizia.com/2014/09/how-can-couples-save-if-only-one-of-them-works/</link>
	<description>Daphne Caruana Galizia is a journalist working in Malta.</description>
	<lastBuildDate>Fri, 03 Oct 2014 15:06:17 +0000</lastBuildDate>
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		<title>
		By: Solange		</title>
		<link>https://daphnecaruanagalizia.com/2014/09/how-can-couples-save-if-only-one-of-them-works/#comment-2516431</link>

		<dc:creator><![CDATA[Solange]]></dc:creator>
		<pubDate>Fri, 03 Oct 2014 15:06:17 +0000</pubDate>
		<guid isPermaLink="false">http://daphnecaruanagalizia.com/?p=51518#comment-2516431</guid>

					<description><![CDATA[We need to address the negative way we are raising our children. It is almost taboo to make your children grown up and become independent . Seems like keeping them home until they get married is still the order of the day.

We spoil our children into adulthood making it hard for mothers to work . The reality is mothers do it all...come home and prepare full on meals , clean house, clean clothes etc.... When most children don&#039;t lift a finger.  When will it be ok for mothers to  make their children contribute without feeling like a wicked witch ? We are still too back wards socially .]]></description>
			<content:encoded><![CDATA[<p>We need to address the negative way we are raising our children. It is almost taboo to make your children grown up and become independent . Seems like keeping them home until they get married is still the order of the day.</p>
<p>We spoil our children into adulthood making it hard for mothers to work . The reality is mothers do it all&#8230;come home and prepare full on meals , clean house, clean clothes etc&#8230;. When most children don&#8217;t lift a finger.  When will it be ok for mothers to  make their children contribute without feeling like a wicked witch ? We are still too back wards socially .</p>
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		<title>
		By: G Wells		</title>
		<link>https://daphnecaruanagalizia.com/2014/09/how-can-couples-save-if-only-one-of-them-works/#comment-2445775</link>

		<dc:creator><![CDATA[G Wells]]></dc:creator>
		<pubDate>Wed, 03 Sep 2014 10:50:34 +0000</pubDate>
		<guid isPermaLink="false">http://daphnecaruanagalizia.com/?p=51518#comment-2445775</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://daphnecaruanagalizia.com/2014/09/how-can-couples-save-if-only-one-of-them-works/#comment-2440834&quot;&gt;G Wells&lt;/a&gt;.

Must be the age gap then. I&#039;m in my 30s and as I said, they all work at this age. My mum doesn&#039;t but she&#039;s 60 and enjoying it.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://daphnecaruanagalizia.com/2014/09/how-can-couples-save-if-only-one-of-them-works/#comment-2440834">G Wells</a>.</p>
<p>Must be the age gap then. I&#8217;m in my 30s and as I said, they all work at this age. My mum doesn&#8217;t but she&#8217;s 60 and enjoying it.</p>
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		<title>
		By: H.P. Baxxter		</title>
		<link>https://daphnecaruanagalizia.com/2014/09/how-can-couples-save-if-only-one-of-them-works/#comment-2444433</link>

		<dc:creator><![CDATA[H.P. Baxxter]]></dc:creator>
		<pubDate>Wed, 03 Sep 2014 01:20:34 +0000</pubDate>
		<guid isPermaLink="false">http://daphnecaruanagalizia.com/?p=51518#comment-2444433</guid>

					<description><![CDATA[Maybe that&#039;s why Malta&#039;s unemployment figures are so absurdly low.

Let the flaming begin.]]></description>
			<content:encoded><![CDATA[<p>Maybe that&#8217;s why Malta&#8217;s unemployment figures are so absurdly low.</p>
<p>Let the flaming begin.</p>
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		<title>
		By: Christina		</title>
		<link>https://daphnecaruanagalizia.com/2014/09/how-can-couples-save-if-only-one-of-them-works/#comment-2441028</link>

		<dc:creator><![CDATA[Christina]]></dc:creator>
		<pubDate>Tue, 02 Sep 2014 08:56:01 +0000</pubDate>
		<guid isPermaLink="false">http://daphnecaruanagalizia.com/?p=51518#comment-2441028</guid>

					<description><![CDATA[I usually agree with a lot of what you say Daphne, but on this issue I don&#039;t agree with you at all.  

I have decided to be a full time mum and enjoy my son to the full. I want to be the person who educates him and leads him through his development, and not other members of my family, or complete strangers. 

At 39 my husband and I decided to have kids because WE wanted them, it is a choice everyone is free to make. I don&#039;t believe in shoving the responsibility onto family or dumping my kid in daycare, just in order for me to be able to work, and show to the world that I am no old fashioned woman! 

I don&#039;t care what people think, and I am sick of people being critical of stay at home mums as though they are some inferior stupid breed. I have a degree, and have worked in good positions before now, so I am not staying at home because I am some brainless moron! I would rather make financial sacrifices in order to stay at home with my child.

&lt;strong&gt;[Daphne - No need to get upset, Christina. If you had your first child at 39 then presumably you worked for around 20 years before that, so you did your bit. It&#039;s much the same as doing it the other way round: having your children in your 20s, raising them, then going to work at 40 for the next 20 years. The women I&#039;m talking about are those who have children young or fairly young, raise them, and then when their children are in their late teens or 20s and they&#039;re in their 40s and still able to contribute even if only for their own sake, they do nothing instead.]&lt;/strong&gt;]]></description>
			<content:encoded><![CDATA[<p>I usually agree with a lot of what you say Daphne, but on this issue I don&#8217;t agree with you at all.  </p>
<p>I have decided to be a full time mum and enjoy my son to the full. I want to be the person who educates him and leads him through his development, and not other members of my family, or complete strangers. </p>
<p>At 39 my husband and I decided to have kids because WE wanted them, it is a choice everyone is free to make. I don&#8217;t believe in shoving the responsibility onto family or dumping my kid in daycare, just in order for me to be able to work, and show to the world that I am no old fashioned woman! </p>
<p>I don&#8217;t care what people think, and I am sick of people being critical of stay at home mums as though they are some inferior stupid breed. I have a degree, and have worked in good positions before now, so I am not staying at home because I am some brainless moron! I would rather make financial sacrifices in order to stay at home with my child.</p>
<p><strong>[Daphne &#8211; No need to get upset, Christina. If you had your first child at 39 then presumably you worked for around 20 years before that, so you did your bit. It&#8217;s much the same as doing it the other way round: having your children in your 20s, raising them, then going to work at 40 for the next 20 years. The women I&#8217;m talking about are those who have children young or fairly young, raise them, and then when their children are in their late teens or 20s and they&#8217;re in their 40s and still able to contribute even if only for their own sake, they do nothing instead.]</strong></p>
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		<title>
		By: Gaetano Pace		</title>
		<link>https://daphnecaruanagalizia.com/2014/09/how-can-couples-save-if-only-one-of-them-works/#comment-2441002</link>

		<dc:creator><![CDATA[Gaetano Pace]]></dc:creator>
		<pubDate>Tue, 02 Sep 2014 08:47:40 +0000</pubDate>
		<guid isPermaLink="false">http://daphnecaruanagalizia.com/?p=51518#comment-2441002</guid>

					<description><![CDATA[Renzi like Garibaldi is fiddling with the &quot;mille&quot;. For Garibaldi it was the thousand men, for Renzi it is the thousand days. What has this to do with Malta taghhom ilkoll ? In his target Renzi wants Italian workers to work and earn as much as the German workers are doing. This is what our Government With Union should be advocating. Higher remunerations, higher pensions that will enable pensioners to live comfortably in retirement and be able to afford that at least their pension runs into the fourth and fifth week. This is what our young boy should be jealous of the younger Italian boy. These are the lofty ideal our Joe should be jumping and leaping in joy to achieve. Only then will all the Maltese be living happily ever after.]]></description>
			<content:encoded><![CDATA[<p>Renzi like Garibaldi is fiddling with the &#8220;mille&#8221;. For Garibaldi it was the thousand men, for Renzi it is the thousand days. What has this to do with Malta taghhom ilkoll ? In his target Renzi wants Italian workers to work and earn as much as the German workers are doing. This is what our Government With Union should be advocating. Higher remunerations, higher pensions that will enable pensioners to live comfortably in retirement and be able to afford that at least their pension runs into the fourth and fifth week. This is what our young boy should be jealous of the younger Italian boy. These are the lofty ideal our Joe should be jumping and leaping in joy to achieve. Only then will all the Maltese be living happily ever after.</p>
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		<title>
		By: G Wells		</title>
		<link>https://daphnecaruanagalizia.com/2014/09/how-can-couples-save-if-only-one-of-them-works/#comment-2440834</link>

		<dc:creator><![CDATA[G Wells]]></dc:creator>
		<pubDate>Tue, 02 Sep 2014 07:50:26 +0000</pubDate>
		<guid isPermaLink="false">http://daphnecaruanagalizia.com/?p=51518#comment-2440834</guid>

					<description><![CDATA[I know maybe a handful of women who don&#039;t work. The other 99% all work.

&lt;strong&gt;[Daphne - Well, with me and my age cohort, it&#039;s the other way round: 1% work and 99% don&#039;t. And the ones who work tend to have never had children.]&lt;/strong&gt;

Maybe he should be talking about the slave labour wages that are paid out in this country, which make it near enough impossible to save anything but a few euros a month.]]></description>
			<content:encoded><![CDATA[<p>I know maybe a handful of women who don&#8217;t work. The other 99% all work.</p>
<p><strong>[Daphne &#8211; Well, with me and my age cohort, it&#8217;s the other way round: 1% work and 99% don&#8217;t. And the ones who work tend to have never had children.]</strong></p>
<p>Maybe he should be talking about the slave labour wages that are paid out in this country, which make it near enough impossible to save anything but a few euros a month.</p>
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		<title>
		By: Chris		</title>
		<link>https://daphnecaruanagalizia.com/2014/09/how-can-couples-save-if-only-one-of-them-works/#comment-2440050</link>

		<dc:creator><![CDATA[Chris]]></dc:creator>
		<pubDate>Mon, 01 Sep 2014 23:36:18 +0000</pubDate>
		<guid isPermaLink="false">http://daphnecaruanagalizia.com/?p=51518#comment-2440050</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://daphnecaruanagalizia.com/2014/09/how-can-couples-save-if-only-one-of-them-works/#comment-2438287&quot;&gt;jack&lt;/a&gt;.

Erm..  I was under the impression that the social security contribution also covered your medical expenses, and those of others who may not be able to afford medical treatment. 

Or are you suggesting we go down the American path of &#039;I&#039;m alright jack&#039;, with the consequence that there is excellent treatment for the few but  not for the many?]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://daphnecaruanagalizia.com/2014/09/how-can-couples-save-if-only-one-of-them-works/#comment-2438287">jack</a>.</p>
<p>Erm..  I was under the impression that the social security contribution also covered your medical expenses, and those of others who may not be able to afford medical treatment. </p>
<p>Or are you suggesting we go down the American path of &#8216;I&#8217;m alright jack&#8217;, with the consequence that there is excellent treatment for the few but  not for the many?</p>
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		<title>
		By: jack		</title>
		<link>https://daphnecaruanagalizia.com/2014/09/how-can-couples-save-if-only-one-of-them-works/#comment-2439936</link>

		<dc:creator><![CDATA[jack]]></dc:creator>
		<pubDate>Mon, 01 Sep 2014 22:36:27 +0000</pubDate>
		<guid isPermaLink="false">http://daphnecaruanagalizia.com/?p=51518#comment-2439936</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://daphnecaruanagalizia.com/2014/09/how-can-couples-save-if-only-one-of-them-works/#comment-2438785&quot;&gt;A woman&lt;/a&gt;.

I never said I condoned the wage inequality, but denying it would be foolish.  

Not only do women earn less on average (and this is an undeniable truth - for a plethora of reasons - social / biologivcal etc;) but they live longer on average too - therefore, it would be logical that they should be made to contribute more.  Call it self-interest if you wish.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://daphnecaruanagalizia.com/2014/09/how-can-couples-save-if-only-one-of-them-works/#comment-2438785">A woman</a>.</p>
<p>I never said I condoned the wage inequality, but denying it would be foolish.  </p>
<p>Not only do women earn less on average (and this is an undeniable truth &#8211; for a plethora of reasons &#8211; social / biologivcal etc;) but they live longer on average too &#8211; therefore, it would be logical that they should be made to contribute more.  Call it self-interest if you wish.</p>
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		<title>
		By: H.P. Baxxter		</title>
		<link>https://daphnecaruanagalizia.com/2014/09/how-can-couples-save-if-only-one-of-them-works/#comment-2439903</link>

		<dc:creator><![CDATA[H.P. Baxxter]]></dc:creator>
		<pubDate>Mon, 01 Sep 2014 22:20:18 +0000</pubDate>
		<guid isPermaLink="false">http://daphnecaruanagalizia.com/?p=51518#comment-2439903</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://daphnecaruanagalizia.com/2014/09/how-can-couples-save-if-only-one-of-them-works/#comment-2438480&quot;&gt;Tabatha White&lt;/a&gt;.

The cherished ghonnella (sbejha patria...) is nothing more than a hijab (barra minn fuqna! Ahna Nsara sa mill-eqdem zminijiet bla bla bla...)]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://daphnecaruanagalizia.com/2014/09/how-can-couples-save-if-only-one-of-them-works/#comment-2438480">Tabatha White</a>.</p>
<p>The cherished ghonnella (sbejha patria&#8230;) is nothing more than a hijab (barra minn fuqna! Ahna Nsara sa mill-eqdem zminijiet bla bla bla&#8230;)</p>
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		<title>
		By: Gahan		</title>
		<link>https://daphnecaruanagalizia.com/2014/09/how-can-couples-save-if-only-one-of-them-works/#comment-2439097</link>

		<dc:creator><![CDATA[Gahan]]></dc:creator>
		<pubDate>Mon, 01 Sep 2014 17:01:35 +0000</pubDate>
		<guid isPermaLink="false">http://daphnecaruanagalizia.com/?p=51518#comment-2439097</guid>

					<description><![CDATA[I did make some kind of pension plan by investing io the Malta stock exchange.

When dividends were paid I used to receive a reimbursement  from the 35% withholding tax and re-invest the dividends in some more shares.

That was in the bad old days when GonziPN ruled the roost. Now that there is Professor Edward Scicluna and Dr Joseph Muscat who want to create a new middle class I won’t be receiving any of the withholding tax which is even at a rate higher than the highest income tax rate which I believe is 32%.

This will hit the middle class next December when they won’t find any reimbursement cheques from the Inland Revenue Department.

Thanks to Joseph .]]></description>
			<content:encoded><![CDATA[<p>I did make some kind of pension plan by investing io the Malta stock exchange.</p>
<p>When dividends were paid I used to receive a reimbursement  from the 35% withholding tax and re-invest the dividends in some more shares.</p>
<p>That was in the bad old days when GonziPN ruled the roost. Now that there is Professor Edward Scicluna and Dr Joseph Muscat who want to create a new middle class I won’t be receiving any of the withholding tax which is even at a rate higher than the highest income tax rate which I believe is 32%.</p>
<p>This will hit the middle class next December when they won’t find any reimbursement cheques from the Inland Revenue Department.</p>
<p>Thanks to Joseph .</p>
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