Looks Like It's Time To Move To Denmark

[Friendly Foil]

Please only come to Denmark if you're really smart and talented btw.

 

sorry for page-break psn.

 

Ease of Doing Business 2015

 

Doing Business 2015: Going Beyond Efficiency, a World Bank Group flagship publication, is the 12th in a series of annual reports measuring the regulations that enhance business activity and those that constrain it. Doing Business presents quantitative indicators on business regulations and the protection of property rights that can be compared across 189 economies—from Afghanistan to Zimbabwe—and over time.

 

Doing Business measures regulations affecting 11 areas of the life of a business. Ten of these areas are included in this year’s ranking on the ease of doing business: starting a business, dealing with construction permits, getting electricity, registering property, getting credit, protecting minority investors, paying taxes, trading across borders, enforcing contracts and resolving insolvency. Doing Business also measures labor market regulation, which is not included in this year’s ranking.

 

[Npoess]

Free healthcare?

 

Communist bullshit imo.

 

Thanks Obama etc.

 

*Scandinavian sarcasm*

[Joyrex]

 

I've been thinking about moving to Copenhagen, but the language..

https://www.youtube.com/watch?v=s-mOy8VUEBk

 

And Finnish sounds like this: "øksi koksi jukki boksi" ;)

Anyway, yeah, the wage here is pretty good, but keep in mind that you need to pay 38% in taxes. But, then on the other hand, school doesn't cost a thing and if you end up in the hospital you don't get billed for it afterwards! I went to school for 19 years - almost 20 - and I've never paid a thing for it. I bought a couple of books when I went to the university, but quickly found out that that wasn't necessary.

But yeah, Joyrex. Move to Denmark. The language isn't that bad and we've got great coffee and food.

 

EDIT: You know what... Denmark is pretty fucking great.

 

It seems like it - plus, it's the birthplace of LEGO, my favourite toy ever. EVER.

 

I pay around 18-20% in taxes now (would need to look at my last years' taxes to find out exactly how much), and I don't have health insurance (haven't for the last 5 years - too damn expensive), although the new tax rules will see me paying a penalty this year (1% of income), and next year 2%, so I might have to break down and get it.

 

I just think it's a huge waste that you pay 400+ a month for insurance, and then to actually use it, you have to pay a deductible (in my case around 1500.00), and then, depending on what services are done, you could be on the hook for as much as 20% of the total bill (100,000 hospital stay/procedure = 20,000 owed by me) - what's the point of it, especially if I may not ever use it?

 

I think insurance should work like this: you pay into it a reasonable amount, and if you don't use it, you get a percentage of that money back - if you use it, then you don't get any back, and depending on the situation, your rate either increases based on your needs, or stays the same if it was a one-time event.

[Hugh Mughnus]

 

 

I've been thinking about moving to Copenhagen, but the language..

https://www.youtube.com/watch?v=s-mOy8VUEBk

 

 

 

I think insurance should work like this: you pay into it a reasonable amount, and if you don't use it, you get a percentage of that money back - if you use it, then you don't get any back, and depending on the situation, your rate either increases based on your needs, or stays the same if it was a one-time event.

 

agreed.

 

Same with auto insurance. Here in Canada they charge more to younger drivers (age discrimination, shouldn't even be legal) because they claim statistically young drivers cause more accidents. Sure. Whatever, even if that's true... why am I not getting that money back since I had 0 claims in the first 7 years of my driving? (The additional charge goes away when you're 25 years old).

 

I paid $530 a MONTH for insurance for one car. Now it's down to $100ish for the same car. It's robbery.

 

If you said "statistically black people cause more crime" (IDC if that's true or not) that would be discrimination. But insurance companies can do the same thing and get away with it...

 

Health insurance should be the same. It should be about protecting people, not generating a profit. Why are you paying cash for something you don't use? You should get it BACK.

 

/angry rant

 

sorry

 

just really grinds my gears lol

[o00o]

I got a lecture on socialism in the US a while ago. Conclusion: the US has invented its own form of socialism. In the US it's the financial industry which gets the "social welfare". And the thing the financial industry has to do in return, is to give poor people credit. So, in essence, the US has a commercialised credit-card kind of socialism. That's a peculiar form of socialism where the market can make money on the backs off poor people. Interesting, right?

 

The result is, that instead of the poor people being "irresponsible", it's the financial industry which (or who....because they're people too, apparently) gets to behave irresponsibly. And btw, the irony is that being poor leads to irresponsible behaviour and not necessarily the other way around. (eg.: if you're poor, would you invest in healthy food, or would you tend to eat crappy fast food meals? ..cooking a healthy meal costs way too much, so you're pretty much forced to go for the worst option). So the whole argument that poor people will start to behave irresponsible (living of the state being lazy etc) is based on hot air.

 

A minimum wage is really common sense in economics. And the usual gop-policies from the economic pov are pretty much too stupid to take seriously anyways. Economists largely tend to agree on this, btw. You know, just like climate change and all. Science...

thats really interesting. The most interesting part is: Non of this is discussed in news because you are not supposed to understand it

[pcock]

i honestly am still blown%2

i honestly am still blown away by the system of being pretty much left in the street to die unless you have vast amounts of cash in america. insanity. for that reason alone i have no idea why anyone would want to move there.

 

 

my friend this weekend got drunk, tried to wedgie himself while standing on a stool in my flat and broke his arm in two places. in the UK that results in him being out of work for a month and a couple of grim hospital meals. in america his life would basically ruined through debt.

[Joyrex]

 

 

 

I've been thinking about moving to Copenhagen, but the language..

https://www.youtube.com/watch?v=s-mOy8VUEBk

 

 

 

I think insurance should work like this: you pay into it a reasonable amount, and if you don't use it, you get a percentage of that money back - if you use it, then you don't get any back, and depending on the situation, your rate either increases based on your needs, or stays the same if it was a one-time event.

 

agreed.

 

Same with auto insurance. Here in Canada they charge more to younger drivers (age discrimination, shouldn't even be legal) because they claim statistically young drivers cause more accidents. Sure. Whatever, even if that's true... why am I not getting that money back since I had 0 claims in the first 7 years of my driving? (The additional charge goes away when you're 25 years old).

 

I paid $530 a MONTH for insurance for one car. Now it's down to $100ish for the same car. It's robbery.

 

If you said "statistically black people cause more crime" (IDC if that's true or not) that would be discrimination. But insurance companies can do the same thing and get away with it...

 

Health insurance should be the same. It should be about protecting people, not generating a profit. Why are you paying cash for something you don't use? You should get it BACK.

 

/angry rant

 

sorry

 

just really grinds my gears lol

 

It's the same here in the States... if you are a male under age 25, you pay significantly more for auto insurance. Ironically, females under 25 are charged less (it will be interesting to see if that starts to change, since young women tend to text and drive far more than males, I've observed. I also notice women are on their phones in the car far more than men.

[pcock]

 

 

 

 

I've been thinking about moving to Copenhagen, but the language..

https://www.youtube.com/watch?v=s-mOy8VUEBk

 

 

 

I think insurance should work like this: you pay into it a reasonable amount, and if you don't use it, you get a percentage of that money back - if you use it, then you don't get any back, and depending on the situation, your rate either increases based on your needs, or stays the same if it was a one-time event.

 

agreed.

 

Same with auto insurance. Here in Canada they charge more to younger drivers (age discrimination, shouldn't even be legal) because they claim statistically young drivers cause more accidents. Sure. Whatever, even if that's true... why am I not getting that money back since I had 0 claims in the first 7 years of my driving? (The additional charge goes away when you're 25 years old).

 

I paid $530 a MONTH for insurance for one car. Now it's down to $100ish for the same car. It's robbery.

 

If you said "statistically black people cause more crime" (IDC if that's true or not) that would be discrimination. But insurance companies can do the same thing and get away with it...

 

Health insurance should be the same. It should be about protecting people, not generating a profit. Why are you paying cash for something you don't use? You should get it BACK.

 

/angry rant

 

sorry

 

just really grinds my gears lol

 

It's the same here in the States... if you are a male under age 25, you pay significantly more for auto insurance. Ironically, females under 25 are charged less (it will be interesting to see if that starts to change, since young women tend to text and drive far more than males, I've observed. I also notice women are on their phones in the car far more than men.

 

its simple, young women crash way less than men.

[Joyrex]

i honestly am still blown%2

i honestly am still blown away by the system of being pretty much left in the street to die unless you have vast amounts of cash in america. insanity. for that reason alone i have no idea why anyone would want to move there.

 

 

my friend this weekend got drunk, tried to wedgie himself while standing on a stool in my flat and broke his arm in two places. in the UK that results in him being out of work for a month and a couple of grim hospital meals. in america his life would basically ruined through debt.

Well, they don't leave you in the street to die (unless you are really poor), but yeah, one mistake and your life financially could be over at that point.

[pcock]

injury and sickness is the one thing you really have no control over sometimes aswell. you could be the most careful,, slow moving person in the world and still slip on some ice one day and smash your wrist to pieces.

[Hugh Mughnus]

 

 

 

 

 

I've been thinking about moving to Copenhagen, but the language..

https://www.youtube.com/watch?v=s-mOy8VUEBk

 

 

 

I think insurance should work like this: you pay into it a reasonable amount, and if you don't use it, you get a percentage of that money back - if you use it, then you don't get any back, and depending on the situation, your rate either increases based on your needs, or stays the same if it was a one-time event.

 

agreed.

 

Same with auto insurance. Here in Canada they charge more to younger drivers (age discrimination, shouldn't even be legal) because they claim statistically young drivers cause more accidents. Sure. Whatever, even if that's true... why am I not getting that money back since I had 0 claims in the first 7 years of my driving? (The additional charge goes away when you're 25 years old).

 

I paid $530 a MONTH for insurance for one car. Now it's down to $100ish for the same car. It's robbery.

 

If you said "statistically black people cause more crime" (IDC if that's true or not) that would be discrimination. But insurance companies can do the same thing and get away with it...

 

Health insurance should be the same. It should be about protecting people, not generating a profit. Why are you paying cash for something you don't use? You should get it BACK.

 

/angry rant

 

sorry

 

just really grinds my gears lol

 

It's the same here in the States... if you are a male under age 25, you pay significantly more for auto insurance. Ironically, females under 25 are charged less (it will be interesting to see if that starts to change, since young women tend to text and drive far more than males, I've observed. I also notice women are on their phones in the car far more than men.

 

its simple, young women crash way less than men.

 

 

Doesn't make it fair. Should be a case by case basis, or I should be reimbursed for the premium I paid when I hit 25 years old and didn't have any accidents!

[pcock]

that is the way insurance works. they estimate the likelihood of having to pay out, and then adjust the premiums to fit. young men crash cars, a fucking shitload. so as a man under the age of 20, you are statistically likely to need them to pay out for damages, even if you are one of the careful drivers.

 

 

you cant talk about fairness when it comes to money and companies. fairness is not a defining motive of capitalism.

[goDel]

ueh? not too sure whether your ideas on insurance etc are ... realistic. could write a long story and all, but lets just say you don't want car insurance kind of practices when it comes to healthcare. an insurance company could kick you out if they don't like you and you car when it comes to your insurance. the whole idea with the aca is to stop insurers from dropping coverage when people have "pre-existing conditions". ...etc

 

 

also, joyrex, the 400+ a month is for the entire family i hope? not just personal coverage?

[Hugh Mughnus]

that is the way insurance works. they estimate the likelihood of having to pay out, and then adjust the premiums to fit. young men crash cars, a fucking shitload. so as a man under the age of 20, you are statistically likely to need them to pay out for damages, even if you are one of the careful drivers.

 

 

you cant talk about fairness when it comes to money and companies. fairness is not a defining motive of capitalism.

 

I know how it works silly.

 

But it's still discrimination. Making pre-judgements on a specific section of the population and then imposing financial penalty on that section (whether proven statistically or not) is almost textbook discrimination!

 

It'd be like the gov't charging a "black tax" because statistically (again, not sure if this is true or not) this population causes more crime, so they should fund a greater portion of the prison's budget.

 

 

Yeah you're right, corporations are often unfair. =(

 

Not sure why the insurance thing bugs me so damn much haha.

 

I wonder what insurance is like in Denmark

ueh? not too sure whether your ideas on insurance etc are ... realistic. could write a long story and all, but lets just say you don't want car insurance kind of practices when it comes to healthcare. an insurance company could kick you out if they don't like you and you car when it comes to your insurance. the whole idea with the aca is to stop insurers from dropping coverage when people have "pre-existing conditions". ...etc

 

 

also, joyrex, the 400+ a month is for the entire family i hope? not just personal coverage?

 

Me, or Mess?

[pcock]

insurance doesnt bug me because i dont have to pay any of it. i actually dont pay anything in life atall though, except rent.

[Hugh Mughnus]

lol nice

[pcock]

anyway, insurance for a 17 year old boy in a golf 1.4 in the UK was 1900 quid for a year when my friend with rich parents had one when i was younger. so you can stick 530 dollars in your pipe and smoke it.

edit: ive actually just noticed you said a month. that is absolutely insane fair enough.

that works out at 3000 quid a year. what the hell are you driving, a platinum plated stretch hummer?

[goDel]

 

that is the way insurance works. they estimate the likelihood of having to pay out, and then adjust the premiums to fit. young men crash cars, a fucking shitload. so as a man under the age of 20, you are statistically likely to need them to pay out for damages, even if you are one of the careful drivers.

 

 

you cant talk about fairness when it comes to money and companies. fairness is not a defining motive of capitalism.

 

I know how it works silly.

 

But it's still discrimination. Making pre-judgements on a specific section of the population and then imposing financial penalty on that section (whether proven statistically or not) is almost textbook discrimination!

 

It'd be like the gov't charging a "black tax" because statistically (again, not sure if this is true or not) this population causes more crime, so they should fund a greater portion of the prison's budget.

 

 

Yeah you're right, corporations are often unfair. =(

 

Not sure why the insurance thing bugs me so damn much haha.

 

I wonder what insurance is like in Denmark

ueh? not too sure whether your ideas on insurance etc are ... realistic. could write a long story and all, but lets just say you don't want car insurance kind of practices when it comes to healthcare. an insurance company could kick you out if they don't like you and you car when it comes to your insurance. the whole idea with the aca is to stop insurers from dropping coverage when people have "pre-existing conditions". ...etc

 

 

also, joyrex, the 400+ a month is for the entire family i hope? not just personal coverage?

 

Me, or Mess?

 

 

Cant remember the small letters in the ACA, but the thing was modelled to the Dutch system to an extent. Part of the Dutch model is that the discrimination-stuff you talk about is being made impossible. At least not possible for the basic coverage everyone is entitled to.

[delet...]

 

 

 

 

I've been thinking about moving to Copenhagen, but the language..

https://www.youtube.com/watch?v=s-mOy8VUEBk

 

I think insurance should work like this: you pay into it a reasonable amount, and if you don't use it, you get a percentage of that money back - if you use it, then you don't get any back, and depending on the situation, your rate either increases based on your needs, or stays the same if it was a one-time event.

agreed.

 

Same with auto insurance. Here in Canada they charge more to younger drivers (age discrimination, shouldn't even be legal) because they claim statistically young drivers cause more accidents. Sure. Whatever, even if that's true... why am I not getting that money back since I had 0 claims in the first 7 years of my driving? (The additional charge goes away when you're 25 years old).

 

I paid $530 a MONTH for insurance for one car. Now it's down to $100ish for the same car. It's robbery.

 

If you said "statistically black people cause more crime" (IDC if that's true or not) that would be discrimination. But insurance companies can do the same thing and get away with it...

 

Health insurance should be the same. It should be about protecting people, not generating a profit. Why are you paying cash for something you don't use? You should get it BACK.

 

/angry rant

 

sorry

 

just really grinds my gears lol

It's the same here in the States... if you are a male under age 25, you pay significantly more for auto insurance. Ironically, females under 25 are charged less (it will be interesting to see if that starts to change, since young women tend to text and drive far more than males, I've observed. I also notice women are on their phones in the car far more than men.

My brother had never had an accident and then one day this 18/19 year old girl looking at her phone doesn't notice the bend in the road and side swipes my brother's brand new golf. She then proceeds to not stop and drives to the other side of the city before my brother whom was on his way to work manages to get her to realise that she needs to stop. Yards away from where they have stopped is a motorcycle cop that has pulled over someone for speeding and when my brother asks him for help over the matter the cop says that it's between insurers and doesn't give a fuck basically. Anyway, the girl denied responsibility and my brother who had a clean driving record and always drives like a saint had to pay excess to get his car repaired thanks to this bitch.

 

I see women and girls driving whilst looking at their phones all the time, the amount of minor and perhaps major accidents that they must cause surely the actuaries at the insurance companies must have taken this into account by now. Perhaps though, they blame it on the guy and well it's probably the mans fault, look at the stats, that this one incident is helping to prejudice yet again.

 

I do believe that young drivers should pay more though Stephen. They cause more accidents, that's how insurance works. Later when they determine that you are a safe driver, that's when you get rewarded with lower premiums than the next guy who just keeps getting into dingles.

[Hugh Mughnus]

Guilty until proven innocent then?

 

That's not right at all.

 

I understand how insurance works my gf is an property claims adjuster. I'm saying the way it works isn't fair.

 

[Guest Roksen Creek]

But isn't Denmark really grey and miserable, with loads of murders and depressed, brooding people trying to come to terms with their harrowing past? That's what TV taught me.

 

 

Also, Hannibal came from there

[Squee]

But isn't Denmark really grey and miserable, with loads of murders and depressed, brooding people trying to come to terms with their harrowing past? That's what TV taught me.

What?

[Perezvon]

Sounds like he watched The Killing.

[MadameChaos]

I blame Lars von Trier

[Guest HokusPoker]

heh, you're right. people suggesting we should experiment with the economy by artificially increasing the lowest wages, should be taken lightly. and the idea that the government should have more power over everything as well. we shouldn't think about things like how dictatorships with more power, when corrupted, can do more damage.

 

(Disclaimer: I haven't read pages 2-end yet).

 

lol. I'm guessing you're from the USA: how did the correlation between a non-existing welfare state and a non-powerful government work out for you?

Let me remind you, it's the US who started eavesdropping their own people and, well, the rest of the world along with it. I personally would call THAT power, not distributing wealth from people who don't really NEED it to people who actually need it.

I also really love stories like these: http://www.msn.com/en-us/news/us/law-lets-irs-seize-accounts-on-suspicion-no-crime-required/ar-BBbbfW3

http://www.washingtonpost.com/sf/investigative/2014/09/06/stop-and-seize/

 

There's NO WAY this could happen in Germany, and while we may not all be drinking milk and honey over here, even the lowest class is probably a lot better off than in the US.