We all live different life styles and spend money differently...

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    We all live different life styles and spend money differently and to disadvantage some because they choose spend money on their house.

    How many have upgraded their homes simply as a plan to be entitled to at least a portion of the pension.

    It is basically re-arranging their financial position to get some freebies. On that bases, cash franking refunds are simply a freebie to many lower income families who may be entitled to the CSHC.

    A financial advisor would recommend that upgrading or renovating one's home to be entitled to a part pension.

    All this nonsense would be avoided, if people were entitled to pension at the retirement age.

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