What is fucking happening

So I went to log into my WINZ account to see if I had an example letter for Sarah to look at and apparently they’ve updated their log in system again. The new steps I have to take follow:

1. Load the main page.
2. Click “my account”.
3. Click “my account” again.
4. Enter my log in name and password (one-factor authentication).
5. Verify my mobile number is correct.
6. Enter a temporary passcode that they text to my mobile (two-factor authentication).
7. Enter my client number and one-time password (three-factor authentication… maybe four? I don’t know if this counts as one or two extra factors).

From what I can TELL I only need to do step 7 this time because I “haven’t logged in before [under this system]” but that still means I have to do it. To get a one-time password, I have to call their 0800 number or visit a service centre with identification. If I call the 0800 number, I can get it automatically if my voice is registered, otherwise I have to identify myself (probably give my client number, date of birth and address), tell them my mobile number and email, and tell them the number on my current ID – community services card if I have one, driver’s license or 18+ card otherwise.

Seriously, for fuck’s sake. There is less security than this on my online banking. Even if you ignore the steps to GET your one-time password, you need a total of two log ins and three passwords, two of which are disposable ones.

Considering that for several months you could “hack” WINZ by using the File -> Open command on their public computers, I’m sure they worry about security, but this is really just a little bit over the top.

Such overwhelm

Usually it helps me to write. At the moment it’s hard, because to write about situations and choices I have to think about them on some level and I don’t really want to. This is about the third day I’ve been lying in bed knowing time is slipping away from me. Even if I change nothing, I have to stay on top of my schoolwork, and with three assignments due in the next two and a half weeks I fall behind every day. I’ve done some on the easiest – just today I wrote three definitions of social research terminology! I don’t think that’s exactly the level of commitment they have in mind for the course.

If I drop classes to lighten the load it takes that much longer to finish. The semesters stretch out ahead of me for years. Plus, I’d have to arrange limited full-time status to keep the student allowance that is the pittance paying my bills.

If there was a single position, a person, who could do all the contacting and negotiating and advocating, who could deal with mental health teams and WINZ and HNZ and Massey, instead of having so many different agencies either funding themselves or contracted to the government to cover niche areas in a jigsaw pattern with thousands of pieces, I would still find it nearly impossible to connect with them. That’s how people fall through the cracks. I have to be well enough to get help in the first place. Well, I tried that. All I got was a complete lack of fucks. Now I just wish there was a way to regroup and rest without having to rely on support as fickle as the government’s, because they can never be trusted not to withdraw it when you’re at your most vulnerable. If that sounds bitter I guess it is. No one wants to live like this. But there is no market solution to supporting people who can’t work. Even $250/wk adds up fast and there’s no way for a third party to get a return on that investment, unless perhaps you bring back indentured servitude and see if the temporarily ill outweigh the permanently disabled. Surely we can rely on the goodwill of the corporates to make sure they don’t cut off the low hanging fruit.

Cost-effective tech

I’m pretty slack. I’ve let the people with more-or-less perfect hearing talk ALL DAY about suitable accommodations for the profoundly deaf and what’s most cost-effective. Which is probably as it should be, since all of them know far more than people who are actually hard of hearing.

If on the off-chance anyone DOESN’T know what technology for long-distance oral communication is like (I don’t know, apparently this is something everyone learns in kindergarten maybe?) and wants to hear from someone who’s actually looked up alternate ways of talking to people that don’t involve normal conversation through a phone, you’re in luck! Because I (*drumroll*) have DONE THAT.

Now, obviously there is your standard written communication – the fastest being email. This is what I prefer, personally, but clearly it wouldn’t be appropriate for doing a radio interview. You need to be able to actually hear that. However, in theory the host could write a list of questions and email them to Mojo, record himself asking them, and get her to record her answers and send them. Then the radio station would have to carefully stitch all the audio files together and adjust the background noise and volumes and things like that so it sounded like Dr Frankenstein wasn’t responsible for its creation. The downside of this is that most hour long radio interviews aren’t just questions and answers. They’re conversations. Which means they have to be able to respond to each other. I guess they could do one bit at a time, but you’d have the same costs for editing it properly and it would take FOREVER.

Some people do radio interviews over the phone, and while that doesn’t really work for someone who’s profoundly deaf, it’s true that there are systems for deaf people to use phones. Specifically, a relay service with a translator in the middle who generally types (I believe – I have never actually used this service, only looked into what was available, and didn’t think it would be suitable for me) the responses to the deaf caller and reads their answer back to the hearing caller. This also takes longer than standard conversation, plus it wouldn’t be Mojo’s voice, unless I guess they had the translator only translate one way. However the radio station would still have to edit out the pauses between questions and their responses, which again, costs money, plus the translator needs to get paid for the over an hour that they’re sitting their transcribing everything the radio host says. I have no idea what the operating costs of this service are, but I imagine they’re paying people a decent wage because they have to be extremely reliable and extremely honest, and quite possibly adept at understanding all sorts of accents (including English spoken by someone who’s never actually heard it spoken before), plus of course they need to maintain the technological set up required.

Then there’s everyone’s favourite means of catching up with their family on the other side of the world, Skype. This can be ruled out straight away. It’s just not high quality enough to be able to lipread the person on the other end. The only way it would be feasible would be ridiculous workarounds like having the host write everything he says down on a huge pad of paper and hold it up to the camera for her to read.

There’s also automatic transcription software, which some people with perfectly fine hearing might have used before themselves – I believe Google has it as an option if you use their phone services and get voicemail. However at this stage most software is either affordable and REALLY REALLY BAD, or really expensive and only really bad. To be at all accurate you most likely need to attune it so that it recognises the individual way you speak and how you pronounce words, which is useful if you’re only using it to transcribe what you’re saying (ie, having the software take dictation instead of hiring a secretary to do it), not so much for figuring out what the radio host from a community radio station is saying. In addition to the costs of the software, either they have to air it live and prepare for on air confusion, or again, edit it.

Finally, there’s good old fashioned face to face conversation. This is easy to air live, no need to edit out long pauses or equalise audio quality. There’s no problems with video quality being high enough to lipread. If there’s any confusion it’s much faster to clear up because you can rely on facial expressions and body language as well as quick response time. Because we’re much more used to it, it also produces a much more natural sounding conversation that isn’t stilted and awkward. Yes, it does involve transport costs, but there are no other hidden costs and it gives the best quality product as well as being easier for the people involved.

See, communicating using all those other workarounds is actually pretty damn stressful. I mean, I’m speaking for myself here obviously. I’m not Mojo, I don’t know if it’s stressful for her. I wouldn’t be surprised if it was, but I wouldn’t be that surprised if it wasn’t either because my issues with audio also come with mental health problems and are related to processing, not receiving the sound in the first place. (It’s just like a hundred times harder when it involves speakers. I don’t know why, but when I’m buying multi trip train tickets at the Wellington stations my brain can’t even connect the sound coming out of the speakers to the person standing in front of me. All I get is *background noise* and *silent person moving their lips*. It’s easier over the phone, but I’ve built up such an aversion that I’ll do pretty much anything to avoid doing it anyway.) And when it comes to the radio host, it’s most likely something he’s never done before at all. Having to communicate in a brand new way, knowing that people are listening to you do it and judging your performance, is kind of off-putting and it’s just a lot easier to avoid that if at all possible. And let’s be real here. It’s not like she was flying to inner Mongolia or something. Flights to Masterton and back are not that expensive – someone calculated it as 0.73 seconds of welfare expenditure, let alone other costs. Considering she was speaking on disability issues, something that she’s uniquely placed for, and a sector that gets shut out of politics on a major level, this is really not an unreasonable cost we’re talking about. I’m not even going to compare it to other things that taxpayer money has covered – other people have done quite a bit of that, and while they’re incredibly illuminating, I don’t think they’re even necessary. This is just plain not that big a deal.

A practical view of the welfare system

So yesterday the Herald printed a piece written by Damien Grant, a libertarian liquidator who once served jail time for fraud. (I don’t think jail time in and of itself is relevant – the fact that it was for fraud is.) Apparently he used to be a fiscal conservative but changed his mind sometime over the last three years so there are inconsistencies in his views over time. But regardless, the piece he had published yesterday is basically an argument that we should go soft on tax fraud because they contribute to the economy, while beneficiary fraud should be punished with jail time. For fun, he’s also written about conditions in jail and how much it sucks, but apparently it doesn’t suck so much that people trying to survive shouldn’t be put there.

Aside from the bizarre counterintuitiveness of his argument – yes, high income people pay more income tax, because they get most of the income – however, if they’re tax frauds then by the very definition of the term they’re not contributing – it made me think about the money we spend on social safety nets and how to get the best return on it.

In my opinion, there are two options that don’t involve wasting money on “ambulance at the bottom of the cliff” stuff like emergency healthcare, court time, prison sentences, addiction services, lost productivity or theft from workplaces, etc. (Yes, shock! Some beneficiaries work.)

The first option, which I obviously prefer, is a comprehensive welfare system that allows people to live at least at a basic but affordable level. None of this calculating the minimum you need to live on and cut that by ten percent and every so often increase for inflation, which is allegedly how they do it, but an actual look at what the bare minimum you need to live on, and then maybe increase it by ten percent, so people can slowly save money in case of emergencies like cars breaking down or sickness or repairing an appliance. And combine that with more of a discount with the community services card on essentials like health care, and dental care, etc. And build the state housing system back up again so people don’t have to live in slums. Basically, all the preventative stuff that allows people to contribute to society with a minimum of downtime or slowly wasting away or constant stress that makes them sick.

The second option is low or no welfare. However, for this to actually save money, you have to follow through. You can’t combine it with public healthcare that treats the inevitable illnesses and health problems at low or no cost, otherwise the meagre amounts you save on individual welfare are going to be lost when the healthcare budget balloons. You’ll also need more money for the justice system and the education system to deal with the dysfunctional, desperate people the system produces. If you want to reduce welfare below livable lessons, the only logical step is to reduce everything else as well and let people die in the street. There’ll still be a cost to the justice system, and you’ll probably need to fund corpse collectors and pauper’s funerals/graves. You’ll also probably end up with a lot of communicable diseases which won’t always confine themselves to the poorest of the poor, particularly since some will inevitably get jobs and go to work outside their neighbourhoods. I’m not sure exactly how much you’d have to cut to bring the combination of whatever welfare you do keep and the clean up costs to the lowest level, but I’m sure a good economist could figure it out.

Ki ōku whakaaro though, anything between those two systems is a waste of money based purely on ideology. I mean, those two options are still based on ideology too, because you have to decide whether a society in which as many people as possible are in a position to contribute is more or less important to you than a society in which the government spends as little as possible on social services. But it’s a pretty basic fact that money spent on prevention of social problems caused by poverty is going to save you the increased amount of money you’d have to spend cleaning up social problems caused by poverty, and the only way to get around that is to dump the emergency stop gap measures that cost so much money.

Waitangi Day and Te Wai Pounamu

On six separate days through May and June 1840 Treaty signings were held in the South Island, largely down the east coast. However, Hobson had already declared British sovereignty over Te Wai Pounamu on May 21 on the basis that it was terra nullius, the same justification for the annexing of Australia. Apparently it wasn’t logically inconsistent to claim that and also to seek a Treaty with the inhabitants, or at least, everyone was willing to pretend it wasn’t. (It was much easier to pretend in the south – the land wasn’t as good, which meant a lower population and more movement around territories that the Crown could later claim were wastelands as they didn’t have a permanent settlement.)

Land sales in the south occurred between 1844 and 1860 (except Stewart Island, which was bought in 1863) with the Crown buying up huge tracts of land at once. The Canterbury block, for example, was eight million hectares for which they paid just two thousand pounds – one third the cost of Stewart Island. Rather than negotiating fairly, agents such as Commissioner Kemp used threats to buy the land from rivals or to use force while promising that one tenth of the land purchased would be set aside as native reserves. This “one-tenth” was reduced to four hectares for each person, generally of poor quality land. When it came to buying Banks Peninsula, the local chiefs refused to sign. The reserves would not be enough even for subsistence. So instead, the Crown simply passed the Canterbury Settlement Act which basically went “Yeah, all this? That’s ours now.” (Again, they still tried to get Kai Tahu to agree to the annexation for another seven years.) Hamilton was the only agent to really express any hesitation over what they were doing, on the basis that two years ago a 12,000ha piece of land in the area had been sold for fifteen thousand pounds, which he was being instructed to pay just two hundred pounds for. Eventually he sold himself the justification that the rest of the land was valueless to Māori, whereas Pākehā settlement would bring benefits of civilisation and trade.

Not that the Māori could do much trade. Kai Tahu and the other Te Wai Pounamu iwi were left basically landless in an area where the big money was in sheep farming, something that doesn’t need as good pasture as the cropping and dairy farming in the north but which needs a lot of it. What reserve lands they did have left were controlled by the land commissioners, who could lease it out for dick all or sell it off at their discretion.

Ultimately the Crown paid just under fifteen thousand pounds for the entirety of the South and Stewart Islands through the use of threats, bullying and outright theft, leaving Māori dispossessed and impoverished while Pākehā settlers got rich on the proceeds of what Mantell had called “an uselessly extensive domain”. European cognitive dissonance had won the day.

The long road to success

Something happened yesterday that shifted my world just a couple of degrees off-centre. I was coming home from the doctor, cleared the mailbox and walked up the steps to the door, digging my keys out. There was a parcel on the doorstep – course materials, for 279.301. Third year social policy. Government Policy, Planning & Administration.

It’s pretty common knowledge that this isn’t my first go at higher education. In fact it’s my third – the two previous attempts I didn’t even last a year. Picking up the course materials for a third year paper on policy process – not Classical Studies or English, but policy – was this moment of utter surrealness that basically just slammed into me. Unwrapping it and starting to look through the administration guide did not lessen the feeling. A while ago, my progress was classed as “ugh, not graduating until 2015.” Then it became “nearly two whole years left!” Now it’s “just over a year to go.” And there are a million posts out there about imposter syndrome, but the weird thing is that along with that, and at the same time as that, I’m also doing shit like looking at this three page list of relevant journal articles and books and going, “Ooh, that sounds interesting!” Part of me wonders what the hell I’m doing with this stuff and an entirely different part feels… sort of competent.

In completely different events from yesterday, of course, was the discussion about Anne Tolley’s criticisms of Metiria Turei[‘s clothes], which is only relevant because I was talking about it with Metiria. It occurred to me that this phenomenon, where New Zealand is small enough and laid back enough that we can have casual chats on Twitter with some pretty notable MPs (and political commentators, and current affairs show hosts, etc) makes politics here pretty different from physically bigger countries like USA, Canada, Australia, or more populated countries like the UK. Not for everyone, of course, but then you combine that with the relatively high number of MPs who come from pretty modest backgrounds in comparison to the US or UK and suddenly a lot of things start seeming a lot more plausible. I think Twitter has actually been quietly instrumental in being able to get this far through a degree, in switching social policy from my minor to my major, as well as in taking what I’m learning in policy and Māori studies and anthropology and history and being able to apply it in real life – and in taking real life and applying it to my school work. The conversations I have, and who I have them with, make all the theoretical stuff we cover in class practical and relevant. I don’t know that I’d get that anywhere else – maybe for anthropological and indigenous-focused papers, because damn I learn a lot about racial issues and colonialism on Twitter from both local and international people, but not for policy.

(And of course, if I’m really lucky, I’ll be able to make contacts on Twitter that will be useful when I have to actually (gerk) find a job.)

About WINZ Payment cards

Ever wondered how WINZ gives people emergency money for food, etc? Quite possibly not. For a while I just assumed they transferred it into your bank account – the problem with that being that it probably won’t go through until the next day, and the other problem being that in our system of no trust for beneficiaries, how could the government know you were spending it “right”?

I had a meeting with a lady called Bonnie today to clarify some things about my medical appeal, starting with the fact that it was a medical appeal rather than a standard appeal. Bonnie was actually very nice and helpful, far better than some other people I’ve dealt with, so if anyone else is in the Porirua WINZ area, props to Bonnie. Anyway, while we were talking she asked me some questions to get an idea of my circumstances and what was going on with my application for the disability allowance. I told her I’d been waiting until I had enough money to go to the doctor to fill out the medical certificate. To be honest, I could probably have afforded it this week because I got a heap of groceries last week due to the amazing generosity of a friend. But instead she checked with the clinic how much it would cost me and authorised a payment for WINZ to cover it, since that’s literally the only reason I need to see a doctor in the next just-over-two-months. While she was doing that she also authorised a payment for me to get some more groceries.

WINZ payment cardSo, this is a payment card. It works just like an EFTPOS card. Underneath that black bit is an 8 digit number, as opposed to the 16 digits on a credit card. The last four digits are the PIN, and yes, this is incredibly insecure, and it’s been in the news before, and it’s still how they do it. (Please don’t use this information to steal someone’s payment card, for the love of everything good and true.) While it doesn’t have a WINZ logo or label or anything, it’s still pretty distinctive. It doesn’t look like any of the bank cards that are common and it only has 8 numbers. If you’d seen one before, you’d definitely recognise it very easily. It also flashes up on the EFTPOS screen saying “WINZ Payment”.

While they had money for both the doctor and the groceries on the card, they have a way of programming it so that each portion of money can only be spent in certain places. The money for my doctor appointment (which she was pretty shocked by – she kept going “That’s so much!”) can only be spent at my doctor. The money for my groceries can be spent at any supermarket, but nowhere else. Further, the money is only good for three days. The day you get it and the two following. My doctor’s appointment is tomorrow so I didn’t need to worry about paying for it in advance, and after WINZ I went to the Warewhare to get a couple of badly-needed clothing items, Reduced to Clear to see if they had anything I needed (got some cheap cheese, considered and then dismissed some frozen capsicum or strawberries), and then straight to the supermarket.

((ETA: Apparently the card isn’t actually accepted at all supermarkets either. The Tawa New World doesn’t take them, so I’d have had to go right up to Porirua to use it anyway. Luckily I’d done the bulk of my shopping yesterday, and this was just a quick “NW has cheap watermelon and also that Popsicle slushie that I like” and I could put it on my debit card.))

It is a real experience being in a supermarket when you’ve spent months carefully budgeting your food, suddenly having a lot more money than you’re used to spending. And, of course, I do have more food at home than would usually send me to the shops. But normally my food budget is $30 a week, and while I’m getting used to that and pretty good at sticking to it, it does leave me a bit low on some nutritional areas, especially in the fresh produce section. I am not particularly upset at getting more money, you know? I also have a couple of gaps that have appeared in the last week, so I filled those in, got some stuff that isn’t hugely perishable, a couple of first aid kit things like band aids, and yeah, quite a few indulgences. Seriously guys, if you see someone with a payment card and you think some of their purchases are questionable, it’s because they haven’t been able to buy those things in a really long time. I never shop without carefully assessing each item and keeping a running tally in my head. And to be honest, I was still carefully assessing each item. It’s a hard habit to break. I knew there was no chance I’d hit the limit though, and indeed there is quite a bit left on there still. I might pick up a snack tomorrow after the doctor, I might not, but a decent chunk will go back to WINZ when the three days are up.

Sadly some of the restrictions on the card such as only spending grocery money in supermarkets have negative affects aside from just reflecting the government attitude towards the poor. One of the biggest is that if anyone has an arrangement for getting food from other sources, like community schemes where you put in money and get a box of vegetables, or shopping at a good cheap farmer’s market, or farm gate sales, you can’t use a payment card there. I also can’t use it at Reduced to Clear (actually I’m only about 95% sure of that, I forgot to ask but since it’s not a supermarket and she was listing Countdown, Woolworths, etc I suspect it’s not on the list), and not at the Warewhare either. Normally the Whare’s pretty expensive for food, but the stacks of things near the checkouts often have fantastic deals. Today I spotted boxes of those long tubes of coloured liquid that you freeze for cheap ice blocks. I would have been tempted if I could have spent the card there and if I could have easily gotten a box of 90 ice pops home. Instead I got a box of Frujus on special. (They were 5.99 from memory if you like Frujus. Countdown. Should be good until Sunday.)

That’s pretty much it, anyway. A very recognisable faux-EFTPOS card that can only be spent at certain stores that only lasts for three days. It was sort of interesting to find out about and I’m hugely grateful to Bonnie for getting me one. I’d just spent about ten minutes answering questions with answers that ended with “…but I can’t afford it” and teared up a couple of times when she was asking about family support and things. She asked once if I was “still” going to counselling and I sort of laughed and told her I couldn’t even start yet and even with the disability allowance I’d be down $9 a fortnight, plus transport. I also gave her the name of my GP in Christchurch who knows more of my background and can hopefully give some more comprehensive information for my claim.