And this is why it would never succeed here, or last indefinitely anywhere.
On Jan 14, 2017 1:08 PM, <[email protected]> wrote: > Take a look at the medicare billing practices of some physicians if you > want to see waste. > > -----Original Message----- From: Bill Prince > Sent: Saturday, January 14, 2017 12:07 PM > To: [email protected] > Subject: Re: [AFMUG] OT Slightly, Cost of Living > > If you think Canada is wasting tax dollars, you ought to come down here > and see how professional tax wasters work down here. > > > bp > <part15sbs{at}gmail{dot}com> > > On 1/14/2017 11:04 AM, Paul Stewart wrote: > >> well as we all know, nothing is for free. when I see how money is spent >> in canada relating to healthcare, I see a huge amount of waste…. things >> liking doing 1.5mil dollar fiber builds to connect a doctors office in a >> remote area that is only open 4 hours a week kind of crap…. seen LOTS of >> that kind of spending….. >> >> >> On Jan 14, 2017, at 1:06 PM, Jay Weekley <[email protected]> >>> wrote: >>> >>> I thought healthcare in Canada was free. >>> >>> Paul Stewart wrote: >>> >>>> Canada isn’t all it’s cracked up to be neither …. ;) >>>> >>>> the $2100/month for health insurance sounds like it’s a lot of parts >>>> involved though…. sounds more like a mixture of health coverage and >>>> benefits. >>>> >>>> So in Canada, we have provincial and federal healthcare coverage which >>>> various from province to province. I didn’t know until Eric mentioned it >>>> now about folks in BC having to pay out of their own pockets for provincial >>>> health care (a portion). >>>> >>>> Ontario for example, where I live, and much like other provinces in >>>> Canada, have very high taxes in my opinion. For me, here’s what I see: >>>> >>>> healthcare coverage - included by province for “most” things… doctors >>>> visits, hospital coverage if needed (ward coverage only). No out of pocket >>>> expenses, however a lot of doctors are fed up with the way they are being >>>> treated by the province and coming up with “nickel and dime” fees such as a >>>> $30/fee every time they need to write a prescription. This varies wildly >>>> amongst areas and doctors offices. >>>> >>>> Benefits coverage from my employer - upgrades your hospital stays to >>>> private room and covers a few more “corner cases” that province won’t >>>> cover. Vision coverage of $200/year per household member (glasses/contacts >>>> etc). 100% of prescription drugs covered at zero cost (with some >>>> exceptions that I’ve never come across). These benefits cost me zero as an >>>> employee but cost the company quite an amount - taking a guess of around >>>> $400-$600/month per employee. These benefits also include short term and >>>> long term disability coverage too…. massage therapy, chiropractor treatment >>>> etc… (all with limits though but enough to get some “basic” stuff done) >>>> >>>> The stuff that really kills me is all the other stuff …. simple stuff >>>> like cost of groceries and gasoline … electrical bills, property taxes >>>> etc…. income taxes >>>> >>>> Quick breakdown for me (all averaged prices): >>>> >>>> $800-$1000/month in automobile gasoline >>>> $400/month for home/auto insurance >>>> $500/month property taxes (includes water bill @ $100/month) >>>> $300/month in highway tolls >>>> $80/month for natural gas >>>> $350/month for electricity >>>> $60/month in bank fees >>>> $300/month in cell phone bills (3 phones on plan) >>>> $100/month for satellite TV >>>> $120/month for Internet service (two providers) >>>> $1200/month for food/drink >>>> >>>> This is for family of 4 and doesn’t include any alcohol, entertainment >>>> (movies/dinners) etc… also doesn’t include mortgage if I had one etc… >>>> doesn’t include things like savings/retirement planning etc etc…. >>>> >>>> Total monthly of about $4400 for family of 4 and let’s add a mortgage >>>> of $1800/month and that would bring it to roughly $6,200 to live >>>> comfortably but not luxury by any means. In my personal case I also have >>>> about $1300/month in car payments too ;) >>>> >>>> To top it all off, 39% of my income immediately goes to various income >>>> related taxes >>>> >>>> Paul >>>> >>>> >>>> On Jan 13, 2017, at 5:25 PM, Sterling Jacobson <[email protected] >>>>> <mailto:[email protected]>> wrote: >>>>> >>>>> Then I would have to defect to Canada… >>>>> Seriously though, this is why it’s such a big issue in the USA. >>>>> My middle class-hood is killing me here. >>>>> *From:*Af [mailto:[email protected]]*On Behalf Of*Eric Kuhnke >>>>> *Sent:*Friday, January 13, 2017 3:10 PM >>>>> *To:*[email protected] <mailto:[email protected]> >>>>> *Subject:*Re: [AFMUG] OT Slightly, Cost of Living >>>>> >>>>> $2100 a month for health insurance??? >>>>> >>>>> My wife and I pay $150 Canadian a month for both of us for the BC >>>>> provincial health insurance... Part of the federally funded system. >>>>> >>>>> I cannot even fathom the idea of paying $500, $1000 or more for health >>>>> insurance for a family of 2 people, or 2 people + children, etc. >>>>> >>>>> It's true that income taxes and other taxes are higher in Canada, but >>>>> if you consider that $2100 as a "tax" on your life and add it up to your >>>>> federal payroll deducations for US income tax, you may actually be paying >>>>> a >>>>> lot more in a year than I do. No matter what income bracket you're in. >>>>> On Fri, Jan 13, 2017 at 9:57 AM, Sterling Jacobson < >>>>> [email protected] <mailto:[email protected]>> wrote: >>>>> >>>>> I'm guessing this information is like a lot of you out there. >>>>> >>>>> Except maybe my earnings because I am making about double median >>>>> gross salary for my city. >>>>> >>>>> I'm not saying I work double, but I do fulfill many roles as the >>>>> only salary employee of my startup ISP. >>>>> I don't think I can replace myself for the same cost to the >>>>> company, so I feel ok with that. >>>>> >>>>> I don't live extravagantly, but I do live comfortably. >>>>> >>>>> I have a 3100 sqr foot rambler I've lived in since 2001 with a >>>>> house payment of around $1500 a month. >>>>> >>>>> But my biggest expense is health/insurance and medical. >>>>> >>>>> I now pay about $2100 a month for my family health insurance >>>>> through IHC. >>>>> I just signed up for a good Dental Gold plan at $100 a month for >>>>> my family, but since it's not company I have to wait 6-12 months >>>>> for a lot of the benefits :( >>>>> The insurance deductibles are I think around $6000 a year and I >>>>> have medications that eat up most of that. >>>>> >>>>> I just upped my life and disability insurance on myself and my >>>>> wife to make sure things don't go bad if I die, that's around >>>>> $550 a month. >>>>> >>>>> I think I spend about $1000 a month on eating, groceries and >>>>> movies/date nights, at least that's what I came up to in December >>>>> so that might be a bit off. >>>>> >>>>> I've got real estate I'm still trying to sell, but it's not the >>>>> panica everyone says it is, lol! >>>>> >>>>> I just feel like finances don't go as far as they used to a few >>>>> years ago. >>>>> >>>>> I'm not sparking a political debate, just wanted to see if >>>>> everyone see things in a similar light? >>>>> >>>>> Or am I just doing the wrong things? >>>>> >>>>> No virus found in this message. >>>> Checked by AVG - www.avg.com <http://www.avg.com/email-signature> >>>> Version: 2016.0.7996 / Virus Database: 4749/13764 - Release Date: >>>> 01/14/17 >>>> >>>> >> >
