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Old 07-11-2015, 17:32   #136
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Re: Stupid, Ridiculous Prices for Stuff

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Why the heck are you paying $35,000 in medical insurance? That's ridiculous. Makes me think you may be better of paying the higher taxes in Europe and receiving socialist medicine?


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We have no choice. It's part of her employer mandated (courtesy of Obama) health insurance package. As long as she continues to work there, her employer continues to pay for her insurance at the rate of $35,000 in lew of paying us that portion of her salary. Personally... I'd rather have the money, and pay for the medical bills via cash.
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Old 07-11-2015, 17:38   #137
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Re: Stupid, Ridiculous Prices for Stuff

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Generally speaking. Anything that is not Guinness usually sucks.

Funny, even in kinda poor Central America you see both Guinness and Heineken sometimes, both horse piss in my opinion. Even the local beers are better. Back here in the good old USA we can get a different craft beer every day but I can buy a 6 pack down there for the price of 1 beer up here.
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Old 07-11-2015, 17:39   #138
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Re: Stupid, Ridiculous Prices for Stuff

Where do you get off thinking taxes are higher in europe?
Take a look at what you pay piecemeal and I think your taxes are higher.

My health care payments are 12% split between the employer and me. So Brits only pay 5% out of salary, the employers pays 7%.

so yes we pay for our healthcare and for what we get its darned fine.

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Old 07-11-2015, 17:40   #139
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Re: Stupid, Ridiculous Prices for Stuff

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Funny, even in kinda poor Central America you see both Guinness and Heineken sometimes, both horse piss in my opinion.
One of them definitely fits your description..........
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Old 07-11-2015, 17:50   #140
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Re: Stupid, Ridiculous Prices for Stuff

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I looked up my registered nursing wage and compared it to the current Massachusetts average a month ago, and found out I was in the bottom ten percent... that hurt. But it's the price I must pay in order to work per diem and take off six months per year to cruise in the Med., unfortunately, a better paying job wouldn't allow it.

New nursing graduates make $20 per hour where I work. I have six years in the field with five years of hospital experience, so I make a little more.
I'm surprised by the $20 because my wife who graduated from nursing school 18 months ago started at $31 working 2, 12 hour days a week in a small to medium sized hospital as a "contingent" nurse. She's in a very demanding area of nursing (critical pulmonary care) but I know of lots of more experienced nurses who make much more. I happen to think that nurses SHOULD make a lot. It's a pretty unique job because you are a position to have more impact than anyone else on peoples most prized possession, their health! If a nurse does something stupid or careless, their "client" may be out a lot more than some money... something that's irreplaceable and priceless! Additionally, I know just how hard nursing school is and the huge amount of knowledge you are responsible for, as well as the physical demands during a long shift and the health risks you can't help but be exposed to being surrounded by sick people every day. If minimum wage is raised to $22 for an unskilled workers, then to make it worthwhile for someone to go to nursing school and to put up with all the aggravation, then nurses should start at about 4 times that or $88/hour!

I agree that $270 for a cleaning seems ridiculous and if I lived where you do I'd avoid it by having my teeth cleaned at a local school of dentistry where they charge very little or nothing at all. But on the other side of the equation, I sort of understand the high prices. I have a niece who is a 4th year student at Tufts dental school. In round numbers, Tufts currently costs $100K/year! In order to qualify to be accepted there she had to study her butt off to get 2 engineering degrees (bio and chem) with very high grades and pay for that as well. Then, as a new dentist she will have to work for an established dentist for a salary which, after she makes her payment on her $400K+ debt, won't allow her to buy a house or even a new car. Eventually, she will probably buy into an established practice and become a partner, taking out yet another large loan to finance that and to buy expensive equipment, and THEN she will start making the big bucks. But when you add up all the years it took her and all the sacrifice along the way AND all the money she had to spend to finally get to the point where she is a partner, she HAS to charge a lot just to break even. So, the lions share of that $270 cleaning bill went to pay for the practices overhead, all the other employees and the expensive equipment and the insurance and the expensive education of the dentist who owns the practice, the building, the heat, etc. I don't like paying that kind of money for teeth cleaning or other dental care either, but I do understand why it costs so much. Fortunately, all those years of being my nieces favorite uncle while they were growing up, (and and her older sister is also a dentist) is finally paying off, so, I have the option to pay for my dental care on a slightly different scale!

My most recent pet peeve as far as expenses is the cost of maintaining used cars. The service engine soon light on my wife's car recently came on so I took it in to the local repair shop. According to the manual, that light means that something is wrong with the exhaust system or the gas cap is loose. I checked the gas cap and then dropped the car off. They plugged our key into their special machine to read the codes ($150) and learned that the knock sensor had a transient fault, and the thermostat sender also had a transient fault, and the battery was low so needed charging, and they recommended that we replace the electric water pump because even though it was working fine, they tend to go around 90K miles and that was the approximate mileage of our car. Total cost for all this, just over $4000!!! When they reported all this to me I asked what exactly had turned on the "service engine soon" light and they couldn't narrow it down beyond saying it was one of those things. It turned out that the 2 faults were probably nothing more than a manifestation of the "low battery" which was caused by the terminals needing to be tightened and cleaned. So, the only thing wrong with the car were some battery terminals that needed cleaning and tightening and to learn that it cost me $150 and would have cost $4000 if I hadn't said no. I've always had used cars and worked on them some myself and bought used part and saved a lot of money that way. But it's getting almost impossible to do that and to understand what needs to be done so you are at the mercy of the guy who owns the computer that reads the codes. So, instead of paying the $4K, we went to the BMW dealer and traded in our car and signed up for a lease on a new X1. It'll cost $6K per year but we aren't tying up $45K of our money up front and we will have zero maintenance costs except for 2 oil changes a year, zero cost for new tires, brakes, etc. and since we don't own it we aren't losing money on depreciation. $6K per year is our total cost. After comparing that with the total cost of maintaining a used car, I decided it sounded like an attractive option, at least for my wife's car. But I intend to keep my pickup truck for at least 10 years and drive it into the ground!
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Old 07-11-2015, 17:53   #141
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Re: Stupid, Ridiculous Prices for Stuff

So when you sent me a PM a few years back refering to your "dead beat tenant" you were watching in your security camera. Where do they live?
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Old 07-11-2015, 17:54   #142
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Re: Stupid, Ridiculous Prices for Stuff

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One of them definitely fits your description..........
I miss the 25 cent, great tasting Italian and Spanish beers, but purchasing a 12 pack of Sam Adams at Walmart also entitles me to the free sideshow.
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Old 07-11-2015, 17:56   #143
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Re: Stupid, Ridiculous Prices for Stuff

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It'll cost $6K per year but we aren't tying up $45K of our money up front and we will have zero maintenance costs except for 2 oil changes a year, zero cost for new tires, brakes, etc. and since we don't own it we aren't losing money on depreciation. $6K per year is our total cost. After comparing that with the total cost of maintaining a used car, I decided it sounded like an attractive option, at least for my wife's car. But I intend to keep my pickup truck for at least 10 years and drive it into the ground!
I leased vehicles in the States as well. A good deal.
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Old 07-11-2015, 17:58   #144
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Re: Stupid, Ridiculous Prices for Stuff

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So when you sent me a PM a few years back refering to your "dead beat tenant" you were watching in your security camera. Where do they live?
The deadbeat tenant was a commercial office tenant, it had to be... since the only building we own is an office building. I also had a squatter who moved into one of my offices three years ago while I was away in Spain... It cost me $14,000 to legally evict.

Take your pick.
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Old 07-11-2015, 18:01   #145
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Re: Stupid, Ridiculous Prices for Stuff

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Where do you get off thinking taxes are higher in europe?
Take a look at what you pay piecemeal and I think your taxes are higher
So true Weavis. Some people have this false impression that keeping taxes low makes them richer. It's like buying a cheap boat. We all know that these can turn out to be the most expensive vessels over time.
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Old 07-11-2015, 18:07   #146
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Re: Stupid, Ridiculous Prices for Stuff

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We have no choice. It's part of her employer mandated (courtesy of Obama) health insurance package. As long as she continues to work there, her employer continues to pay for her insurance at the rate of $35,000 in lew of paying us that portion of her salary. Personally... I'd rather have the money, and pay for the medical bills via cash.

My friend in North Carolina is an RN and pays $99.00 per month for health care, taken out of his paycheck. Less than what he paid before Obamacare.


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Old 07-11-2015, 18:16   #147
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Re: Stupid, Ridiculous Prices for Stuff

As usual, his "facts" reek of BS. Clearly the healthcare is generously provided the local university or school district that union bargain for it. who else gets 4 months off a year and $35,000 in health insurance. You act like that money is going directly in Obama's pocket whilst in reality its actually being pockets by you and yours assuming you are actually in the healthcare industry. additionally it my understanding healthcare in MA is still largely "Romneycare" as weren't they exempted from several ACA requirements?
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Old 07-11-2015, 18:18   #148
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Re: Stupid, Ridiculous Prices for Stuff

Lets face it, US healthcare is nuts. And I'm getting a small taste of it right now as we travel through this wonderful country. Anywhere else in the world I'd be comfortable self-insuring (paying as we go), but here in the USA a broken arm could bankrupt me. So we bought emergency travel accident insurance.
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Old 07-11-2015, 18:19   #149
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Re: Stupid, Ridiculous Prices for Stuff

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Generally speaking. Anything that is not Guinness usually sucks.

If you're in the tropics, Guinness gets a bit "heavy"!

Give me a nice cold lager, thanks!
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Old 07-11-2015, 18:24   #150
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Re: Stupid, Ridiculous Prices for Stuff

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Where I live (NZ) socialist is not an insult

My sister lives in California. On her last visit we tried to compare and see which society was better off.
We accepted that different taxes have different names and are collected by different agencies in different countries, but we focussed on the end result.
We pay about the same in taxes. But she then had to pay again for health care and education which in NZ are paid out of taxation. The reason her country couldn't do that was its massive military budget.

I won.
as a former NZ resident with a NZ citizen daughter, id have to agree it all rather ironic. No self respected kiwi would consider themselves government dependent, yet the same person in the US would today be called a freeloading loafer. And hopefully made to feel guilty enough to repeatedly vote against their best interest.

I should point out that a good bit of our taxes go to that US military thing and another 30% is paying for healthcare at more than twice the per capita cost as NZ or any other western nation.

Of course that also assumes a balanced budget and of course we don't tax enough to pay for all of that!
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