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RE: April 18, 2016 -- Tax day in U.S. - 4/16/2016 9:01:27 PM   
tj444


Posts: 7574
Joined: 3/7/2010
Status: offline
quote:

ORIGINAL: Marini

Tax Day is April 18, this year.
Anyone else feel they pay way too much in taxes?
Ugh
So many people whine and moan about a raise.
How about, let me keep more of the money I make, by lowering the tax rate?

Tons of articles listing companies that pay little to no taxes.
{ Lear Corp. , Verizon Communcations, Bank of America } on and on.
Most Americans work 4 months a year to pay their taxes.
So 4 months a year you work to pay the government, and the other 8 months you
actually work for yourself.
My life would change if I could just keep 10% more of the money that I make.
Damn taxes!


What's a "fair amount" of income taxes?
5%, 10%, 15%, 20%, 50%
I think 10% is close to fair.
I would not mind paying more, if we had free universal health care.
But that is not the case.
Tax day? Bah fucking humbug


BOYCOTT GREEDY INTUIT TURBO TAX!!!


well,.. I dont want to get ya upset even more but... did you know that the IRS could do many peoples taxes for them? the govt gets the same tax statement your employer, bank, stock broker, etc send you, they know about your dependants etc & could easily do your taxes for you for free.. then you could make any adjustments needed and your done.. Its called ReadyReturn.. of course the reason this isnt being done/advertised is that since 2005 Intuit/Turbo Tax has lobbied against it, they have spent $11.5 million in he last 5 years lobbying the govt against this!!! its all about the money they rake in every year..

"Advocates say tens of millions of taxpayers could use such a system each year, saving them a collective $2 billion and 225 million hours in prep costs and time, according to one estimate.

Roughly 25 million Americans used TurboTax last year, and a recent GAO analysis said the software accounted for more than half of individual returns filed electronically. TurboTax products and services made up 35 percent of Intuit's $4.2 billion in total revenues last year.

In a Los Angeles Times op-ed at the time, Campbell wrote he "never saw as clear a case of lobbying power putting private interests first over public benefit."

Joseph Bankman, a Stanford Law School professor who helped design ReadyReturn, says he spent close to $30,000 of his own money to hire a lobbyist to defend the program in the legislature. Intuit made political contributions to scores of legislative candidates, Bankman said, and gave $1 million in 2006 to a group backing a ReadyReturn opponent for state controller.

ReadyReturn survived, but with essentially no marketing budget it is not widely known. Fewer than 90,000 California taxpayers used it last year – although those who do use it seem to be happy. Ninety-eight percent of users who filled out a survey said they would use it again. The state's tax agency has also praised ReadyReturns, saying they are cheaper to process than paper returns. "

https://www.propublica.org/article/how-the-maker-of-turbotax-fought-free-simple-tax-filing


< Message edited by tj444 -- 4/16/2016 9:02:54 PM >

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Profile   Post #: 61
RE: April 18, 2016 -- Tax day in U.S. - 4/16/2016 9:02:25 PM   
DesideriScuri


Posts: 12225
Joined: 1/18/2012
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quote:

ORIGINAL: Termyn8or
One of the problems with the ACA is there is no cap on deductibles. If you need a subsidy to pay the thousand a month, where the hell do you come up with five or ten grand for deductibles ?


There isn't a cap on deductibles? I thought out-of-pocket expenses were capped (for covered services). Isn't that capping deductibles?


_____________________________

What I support:

  • A Conservative interpretation of the US Constitution
  • Personal Responsibility
  • Help for the truly needy
  • Limited Government
  • Consumption Tax (non-profit charities and food exempt)

(in reply to Termyn8or)
Profile   Post #: 62
RE: April 18, 2016 -- Tax day in U.S. - 4/16/2016 9:39:37 PM   
AtUrCervix


Posts: 2111
Joined: 1/15/2016
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quote:

ORIGINAL: DesideriScuri

quote:

ORIGINAL: Termyn8or
One of the problems with the ACA is there is no cap on deductibles. If you need a subsidy to pay the thousand a month, where the hell do you come up with five or ten grand for deductibles ?


There isn't a cap on deductibles? I thought out-of-pocket expenses were capped (for covered services). Isn't that capping deductibles?



I think they were referring to the "lifetime cap", which was once, but for exceptional policies (wealthy folks who could afford unlimited coverage), capped at $1,000,000.00.

Now, unlimited.

Hence the higher deductibles/co-pays, etc.

Also, nearly all former policies had "pre-existing conditions" clauses that excluded (in the case of Washington State insurance of days gone by) pre-existing conditions for upwards of 6 months, after which, if the policies were paid consistently and timely, they had to be covered. Other states were allowed to exclude them entirely or, until the patient was provided with a clean bill of health.

Now, if you have had no insurance, discover you have AIDS, a very bad heart, cancer of any kind....you are covered the second you write your first premiun check. (Not even "until it's cashed" by the insurer).

(Hence the higher premiums).

(in reply to DesideriScuri)
Profile   Post #: 63
RE: April 18, 2016 -- Tax day in U.S. - 4/16/2016 9:47:56 PM   
DesideriScuri


Posts: 12225
Joined: 1/18/2012
Status: offline
quote:

ORIGINAL: AtUrCervix
quote:

ORIGINAL: DesideriScuri
quote:

ORIGINAL: Termyn8or
One of the problems with the ACA is there is no cap on deductibles. If you need a subsidy to pay the thousand a month, where the hell do you come up with five or ten grand for deductibles ?

There isn't a cap on deductibles? I thought out-of-pocket expenses were capped (for covered services). Isn't that capping deductibles?

I think they were referring to the "lifetime cap", which was once, but for exceptional policies (wealthy folks who could afford unlimited coverage), capped at $1,000,000.00.
Now, unlimited.
Hence the higher deductibles/co-pays, etc.
Also, nearly all former policies had "pre-existing conditions" clauses that excluded (in the case of Washington State insurance of days gone by) pre-existing conditions for upwards of 6 months, after which, if the policies were paid consistently and timely, they had to be covered. Other states were allowed to exclude them entirely or, until the patient was provided with a clean bill of health.
Now, if you have had no insurance, discover you have AIDS, a very bad heart, cancer of any kind....you are covered the second you write your first premiun check. (Not even "until it's cashed" by the insurer).
(Hence the higher premiums).


No, he was talking about the yearly limits.

And, yes, out of pocket expenses are capped. Once you've met those, insurance pays 100% for covered procedures.


_____________________________

What I support:

  • A Conservative interpretation of the US Constitution
  • Personal Responsibility
  • Help for the truly needy
  • Limited Government
  • Consumption Tax (non-profit charities and food exempt)

(in reply to AtUrCervix)
Profile   Post #: 64
RE: April 18, 2016 -- Tax day in U.S. - 4/16/2016 10:01:46 PM   
Phydeaux


Posts: 4828
Joined: 1/4/2004
Status: offline
quote:

ORIGINAL:

It has nothing to do with 'socialist' view of fairness. What a myopic PoV.


I said it was because of a socialist or 'fairness' point of view, and I am of course correct.

Let me quote:

Commonwealth Fund:

Measures based on 5 features: Quality, Access, Efficiency, Equity, Healthy Lives.
Equity is a fancy word for saying - treating poor people 'fairly'.

Quoting further:

Quality: The indicators of quality were grouped into effective care, safe care, coordinated care, and patient centered care. Compared with the other 10 countries, the US fares best on provision (of care) and recipt of preventive (care) and patient centered care.

Read that again - the US fares BEST. So why does your Commonwealth fund overall rank the US so poorly - if the quality of its service is BEST ?

Because the authors don't agree with HOW the service is allocated. Quality of service is balance with fairness.

Allow me to quote:

Equity: The US ranks a clear LAST on measures of Equity.

In this study, 'fairness' and quality - have equal weight. So as I said - what your study measures isn't really healthcare, now is it. And in fact just to put the thumb on the scale further - they add in ACCESS, EFFICIENCY (which they rate by dollars spent - snicker) - and healthy lives.

Yes, the US medical system sucks because we shoot each other with guns.

Let me quote again. Fares BEST on Provision
Fares BEST on Preventative
Fares Best on Patient centric

Lets turn to the WHO measure of healthcare shall we?
http://www.photius.com/rankings/who_world_health_ranks.html

quote:


WHO’s assessment system was based on five indicators: overall level of population health; health inequalities (or disparities) within the population; overall level of health system responsiveness (a combination of patient satisfaction and how well the system acts); distribution of responsiveness within the population (how well people of varying economic status find that they are served by the health system); and the distribution of the health system’s financial burden within the population (who pays the costs).


So the WHO doesn't actually measure the quality of care - what it measures is how is that care distributed.

As I said. Three of the indices are health inequalities within the system; how people with different economic status find they are served; and the distribution of the financial burder.

Fairness counts three times - patient satisfaction counts once. And actual results - well they aren't counted at all.

And yet you think it measures healthcare. How quaint.


OECD -

quote:


In this paper we present data from the OECD and WHO on the performance of the health care systems in twenty-nine industrialized countries.4 We focus our comparisons on six subject areas: (1) prevention, (2) health care resources and utilization, (3) medical procedures involving sophisticated technology, (4) mortality, (5) responsiveness, and (6) health spending.


I'll casually note - that once again cost is not a measure of the quality of care.
mortality, does in fact include crack babies.

But here - let me quote:

quote:

A systematic comparison of health education campaigns across countries is a necessary first step to evaluate the performance of countries’ efforts in promoting healthy lifestyles.


So a failure to convince americans to eat less, smoke less, fornicate less, shoot each other less, excercise more - is a failure to provide quality care. Sure it is.


You could actually try reading the UNESCO report, or Canada's report on healthcare - as I have. I leave the debunking of same as an exercise to the reader.


quote:


One major thing that many in the US seem to miss - over here you have a choice.


Sure - only you don't. After you pay your 11K per year (canada) for healthcare - most canadians don't have the money to afford good care, do they.

Like wise - you're right - rich europeans do have a choice. You can fly to America to get good healthcare.

Just like Americans can go to Mexico, Cuba, or India to get cheap care.

Good, cheap, fast. Pick two.

quote:


For example, full family cover is as little as $50 a month and is the equivalent of a gold policy in the US.


And I understand I can get fully family cover in india for $35 rupees a month.

By which I am saying:

A- if you want to debate cost - fine - lets have that debate.
B- if you want to debate insurance - we can have that debate too.

Just don't confuse them with the quality of healthcare.

And just because you can fly to the US and get healthcare - or buy american drugs - doesn't make British healthcare any better does it. I would say it indicates the contrary - wouldn't you?

< Message edited by Phydeaux -- 4/16/2016 10:02:26 PM >

(in reply to freedomdwarf1)
Profile   Post #: 65
RE: April 18, 2016 -- Tax day in U.S. - 4/16/2016 10:06:57 PM   
Phydeaux


Posts: 4828
Joined: 1/4/2004
Status: offline
quote:

ORIGINAL: AtUrCervix


quote:

ORIGINAL: DesideriScuri

quote:

ORIGINAL: Termyn8or
One of the problems with the ACA is there is no cap on deductibles. If you need a subsidy to pay the thousand a month, where the hell do you come up with five or ten grand for deductibles ?


There isn't a cap on deductibles? I thought out-of-pocket expenses were capped (for covered services). Isn't that capping deductibles?



I think they were referring to the "lifetime cap", which was once, but for exceptional policies (wealthy folks who could afford unlimited coverage), capped at $1,000,000.00.

Now, unlimited.

Hence the higher deductibles/co-pays, etc.

Also, nearly all former policies had "pre-existing conditions" clauses that excluded (in the case of Washington State insurance of days gone by) pre-existing conditions for upwards of 6 months, after which, if the policies were paid consistently and timely, they had to be covered. Other states were allowed to exclude them entirely or, until the patient was provided with a clean bill of health.

Now, if you have had no insurance, discover you have AIDS, a very bad heart, cancer of any kind....you are covered the second you write your first premiun check. (Not even "until it's cashed" by the insurer).

(Hence the higher premiums).


Actually, you're covered as soon as you sign up - and for something like 90 days - even if you never pay a premium. The insurance companies must cover you - even if you never pay.

So you can expect people to sign up every year (you can't be denied) not pay a dime, and get three months of free medical care.

Brilliant.

(in reply to AtUrCervix)
Profile   Post #: 66
RE: April 18, 2016 -- Tax day in U.S. - 4/17/2016 2:42:53 AM   
thompsonx


Posts: 23322
Joined: 10/1/2006
Status: offline 		ORIGINAL: Marini

These message boards can be informative and a great place to share.
Thanks for sharing.

Maybe soon we can give 80% to the government?
I really would prefer Communism at that point, at least it is obvious what
is going on.
Why not just shoot straight to Communism and get it over with?

Communism is a word tossed aroud quite freely. Would you tell us what is your interpretation of that word?

(in reply to Marini)
Profile   Post #: 67
RE: April 18, 2016 -- Tax day in U.S. - 4/17/2016 3:06:48 AM   
Termyn8or


Posts: 18681
Joined: 11/12/2005
Status: offline 		FR

Look Man, you can have nurses making $40 n hour, doctors making from $60 - 200 an hour. But if you pay them direct, that would cut the cost to the bone. The suits are making most of the money really.

And drug companies, let the foreigners sell here and see what happens to the prices. Stock market drops just as if quantitative easing stopped all the sudden.

There is protectionism going on, but not to protect us.

T^T

(in reply to thompsonx)
Profile   Post #: 68
RE: April 18, 2016 -- Tax day in U.S. - 4/17/2016 6:10:26 AM   
Greta75


Posts: 9968
Joined: 2/6/2011
Status: offline 		FR
It seems like US and Singapore have the same tax day.

But I'm happy with the tax I pay.

My income tax is only 5%.

I think it's horrendous that America pays as much tax as socialist countries, without the benefits of free healthcare and free education. No wonder Bernie's calculation is tax the rich 90% to subsidies these stuffs. It's like, I think the American government are horrible at money management. They aren't utilizing the taxes properly.

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Profile   Post #: 69
RE: April 18, 2016 -- Tax day in U.S. - 4/17/2016 7:47:18 AM   
Lucylastic


Posts: 40310
Status: offline
quote:


Sure - only you don't. After you pay your 11K per year (canada) for healthcare - most canadians don't have the money to afford good care, do they.

11,000 just for healthcare?
Fuck off.

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Profile   Post #: 70
RE: April 18, 2016 -- Tax day in U.S. - 4/17/2016 10:35:43 AM   
Nnanji


Posts: 4552
Joined: 3/29/2016
Status: offline
quote:

ORIGINAL: Greta75

FR
It seems like US and Singapore have the same tax day.

But I'm happy with the tax I pay.

My income tax is only 5%.

I think it's horrendous that America pays as much tax as socialist countries, without the benefits of free healthcare and free education. No wonder Bernie's calculation is tax the rich 90% to subsidies these stuffs. It's like, I think the American government are horrible at money management. They aren't utilizing the taxes properly.


You'll have to be the expert here and tell me where I'm wrong. In Singapore housing is assigned by the Government and pay is set by the government. Pretty much all the money goes through the government first. The government takes what it wants and spreads around the rest. Then it taxes you 5% on what it allowed you and says see how inexpensive we are.

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Profile   Post #: 71
RE: April 18, 2016 -- Tax day in U.S. - 4/17/2016 10:42:10 AM   
Nnanji


Posts: 4552
Joined: 3/29/2016
Status: offline
quote:

ORIGINAL: Lucylastic

quote:


Sure - only you don't. After you pay your 11K per year (canada) for healthcare - most canadians don't have the money to afford good care, do they.

11,000 just for healthcare?
Fuck off.


That's what HuffPo says:
http://www.huffingtonpost.ca/nadeem-esmail/canada-free-health-care_b_3733080.html

n 2013, a typical Canadian family of four can expect to pay $11,320 for public health care insurance. For the average family of two parents with one child that bill will be $10,989, and for the average family of two adults (without children) the bill comes to $11,381. As a result of lower average incomes and differences in taxation, the bills are smaller for the average unattached individual ($3,780), for the average one-parent-one-child family ($3,905), and the average one-parent two-child family ($3,387). But no matter the family type, the bill is not small, much less free.

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Profile   Post #: 72
RE: April 18, 2016 -- Tax day in U.S. - 4/17/2016 11:11:47 AM   
Lucylastic


Posts: 40310
Status: offline 		I have a family of five, well I did have, and we never paid anything like that in health insurance, general tax maybe, when we both had fulltime jobs, not just healthcare.

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Profile   Post #: 73
RE: April 18, 2016 -- Tax day in U.S. - 4/17/2016 12:36:45 PM   
Phydeaux


Posts: 4828
Joined: 1/4/2004
Status: offline
quote:

ORIGINAL: Lucylastic

I have a family of five, well I did have, and we never paid anything like that in health insurance, general tax maybe, when we both had fulltime jobs, not just healthcare.


So you're admitting you once again were factually wrong and jumped on my ass speaking out of ignorance, hmm?

And for the record - once you adjust simply for average age in canada - forgetting all other things like smoking history, obesity etc - the average healthcare costs per year per family are more expensive than in the US.

Sorry to bust your socialist bubble. The thing thats funny is that you actually thought/believed it would be cheaper.

Edit: this is why automatic deductions are so pernicious - you never see the money taken, especially when taxes also come from excise, imports, corporations etc.

< Message edited by Phydeaux -- 4/17/2016 12:42:12 PM >

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Profile   Post #: 74
RE: April 18, 2016 -- Tax day in U.S. - 4/17/2016 12:47:50 PM   
Lucylastic


Posts: 40310
Status: offline 		no Im telling you that that amount isnt health care tax.


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Profile   Post #: 75
RE: April 18, 2016 -- Tax day in U.S. - 4/17/2016 2:32:21 PM   
kdsub


Posts: 12180
Joined: 8/16/2007
Status: offline 		Greta... I'm just curious... how much do you pay for a gallon of gas over there?

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Profile   Post #: 76
RE: April 18, 2016 -- Tax day in U.S. - 4/17/2016 2:35:28 PM   
dcnovice


Posts: 37282
Joined: 8/2/2006
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quote:

I think they were referring to the "lifetime cap", which was once, but for exceptional policies (wealthy folks who could afford unlimited coverage), capped at $1,000,000.00.

I had a terrible panic a while back when it occurred to me that my lifetime medical costs could indeed top a million. My brother the healthcare wonk calmed me down, explaining that employer-provided coverage doesn't usually have a lifetime cap.

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Profile   Post #: 77
RE: April 18, 2016 -- Tax day in U.S. - 4/17/2016 2:41:04 PM   
thompsonx


Posts: 23322
Joined: 10/1/2006
Status: offline 		ORIGINAL: Greta75

FR
It seems like US and Singapore have the same tax day.

But I'm happy with the tax I pay.

My income tax is only 5%.

You are a lying sack of shit. I have posted the official govt site and the tax rate is 40%. You can call it a savings account but you never get your money back.

I think it's horrendous that America pays as much tax as socialist countries, without the benefits of free healthcare and free education.

It has been made abundantly clear that the free education did not work for you. You cannot do simple sums and your command of english is marginal.

No wonder Bernie's calculation is tax the rich 90% to subsidies these stuffs. It's like, I think the American government are horrible at money management. They aren't utilizing the taxes properly.

That third world shithole known as singapore just bought how many 300 million dollar aircraft that do not work?
That is just phoquing stupid.


< Message edited by thompsonx -- 4/17/2016 2:46:48 PM >

(in reply to Greta75)
Profile   Post #: 78
RE: April 18, 2016 -- Tax day in U.S. - 4/17/2016 2:43:14 PM   
thompsonx


Posts: 23322
Joined: 10/1/2006
Status: offline
ORIGINAL: dcnovice

I think they were referring to the "lifetime cap", which was once, but for exceptional policies (wealthy folks who could afford unlimited coverage), capped at $1,000,000.00. [/quote]
I had a terrible panic a while back when it occurred to me that my lifetime medical costs could indeed top a million. My brother the healthcare wonk calmed me down, explaining that employer-provided coverage doesn't usually have a lifetime cap.

Mine topped a million a long time ago and none of it cost me a penny...

(in reply to dcnovice)
Profile   Post #: 79
RE: April 18, 2016 -- Tax day in U.S. - 4/17/2016 2:45:48 PM   
thompsonx


Posts: 23322
Joined: 10/1/2006
Status: offline
ORIGINAL: Phydeaux

So you're admitting you once again were factually wrong and jumped on my ass speaking out of ignorance, hmm?

I have proved you factually wrong so many times it isn't funny...yet you never admit your errors or lies. You just move on to the next lie.
Jesus you are phoquing stupid.

(in reply to Phydeaux)
Profile   Post #: 80
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