Is Private Healthcare coming to Ontario? | Page 6 | GTAMotorcycle.com

Is Private Healthcare coming to Ontario?

油井緋色 said:
So...I apologize for double downing on the remorselessness but I've been dying to have this conversation for a while with somebody level headed:

I know many are incompetent with money. I figured that out in 2008 and have since made money via the opportunities that, those without buffer, planning, or fall back plans, get bankrupt from despite being a complete amateur (and still pretty stupid versus professionals.) The system is also built in a way, and correct me if I'm wrong because this is from observations and not actual schooling, where you need a set amount of losers in order for retirement to be affordable. In other words, if everyone had my plan, no one is retiring because costs of good sky rocket.

So....am I paying CPP to lower crime rates and dangle a carrot for the stupid to chase? And in return, my retirement gets pushed out due to how much **** I lose to EI and CPP. This is still not positive lol

...ah **** lol, I'm gonna stop my brain. This is really bleak train of thought but will leave it here because I'm pretty sure others see this as well.
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EI. Correct me if I'm wrong but I've never collected one cent so don't know the ropes. It used to be that if a part timer had several jobs they pay EI on all of them but if they get laid off on one job they can't collect because they're still working.

You mention carrot. Where's the carrot for the good guy?

Does a person that's never collected EI for 10 years get a reduced rate? Even our blood sucking insurers throw out a few crumbs.

How about doing something like the accumulated sick leave idea. Hey Joe, you've paid $XXXX into EI since you started working and never took a cent. Now you're retiring so here's your $XXXX as a little bonus. Yeah, I know it's insurance and doesn't work that way.

Want to reduce your property tax? Turn your house into a slum and get a reduced market value while increasing the cost of services to the city, police, fire etc.

Would it help if a person got a forecast of their financial future with their tax statement?

Dear Sir, At your current rate of income and contributions you will have a CPP income of $XXX a month on retirement and COLI indicate rents will be $XXX + $500. You will have to continue to pay for groceries.

I don't want to go Republican Americano and let the losers freeze to death in the dark which results in crime increases but what do we do when we end up in a sci-fi hell of all or nothing wealth?

There is merit to the American three strikes law but if strike three is stealing a bicycle does locking someone up for sixty years at $50,000 a year make sense? What do we do with habitual criminals, drug addicts, welfare bums?

IMO we have been in denial for decades. Peak oil should have been the alarm clock going off. Covid pulled the scab off the wound and we can no longer ignore the puss oozing out. We're suffering death by denial.
 
nobbie48 said:
EI. Correct me if I'm wrong but I've never collected one cent so don't know the ropes. It used to be that if a part timer had several jobs they pay EI on all of them but if they get laid off on one job they can't collect because they're still working.

You mention carrot. Where's the carrot for the good guy?

Does a person that's never collected EI for 10 years get a reduced rate? Even our blood sucking insurers throw out a few crumbs.

How about doing something like the accumulated sick leave idea. Hey Joe, you've paid $XXXX into EI since you started working and never took a cent. Now you're retiring so here's your $XXXX as a little bonus. Yeah, I know it's insurance and doesn't work that way.

Want to reduce your property tax? Turn your house into a slum and get a reduced market value while increasing the cost of services to the city, police, fire etc.

Would it help if a person got a forecast of their financial future with their tax statement?

Dear Sir, At your current rate of income and contributions you will have a CPP income of $XXX a month on retirement and COLI indicate rents will be $XXX + $500. You will have to continue to pay for groceries.

I don't want to go Republican Americano and let the losers freeze to death in the dark which results in crime increases but what do we do when we end up in a sci-fi hell of all or nothing wealth?

There is merit to the American three strikes law but if strike three is stealing a bicycle does locking someone up for sixty years at $50,000 a year make sense? What do we do with habitual criminals, drug addicts, welfare bums?

IMO we have been in denial for decades. Peak oil should have been the alarm clock going off. Covid pulled the scab off the wound and we can no longer ignore the puss oozing out. We're suffering death by denial.
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You can check your CPP entitlement with My Service Canada account although it is definitely not front and centre, you need to go looking for it. If I start at 60, I get $500/mo, @65 $780, @70 $1100. Also no easy COL prediction nor life expectancy prediction. It would be simple enough for that page to tell you which path got you the most money out of CPP based on when you will statistically die. They just need a few checkboxes for smoking, family history etc.

EDIT:
The balance point is around 75-80. If you think you are going to live much longer than that, you are ahead delaying CPP (even if you invested it at 10%). If you think you will die before that, the earlier you take CPP the better.
 
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GreyGhost said:
I know some people that are reasonably smart that struggle with money. The root of most of their issues is a warped view of wants vs needs.

One had their $300 espresso machine break. I fixed it for them, the problem was it had never been cleaned. In the time it took me to fix it, they bought a $3000+ espresso machine on credit as they "needed" coffee. No you ^$^#*#* dont need coffee, you want coffee. If you treated the cheap machine like crap and killed it, that wont change with the expensive machine but the cost to repair will be much higher (requiring more money you dont have). They made one smart decision and bought a house before the rocket took off. The house "needed" new windows, a new front door, a new deck etc so they added a lot to their mortgage in the last few years to pay for those necessities. Basically floundering through financial life but a single good decision early on will save them from being destitute.
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Due to Covid, schedules changed for rock concerts and university exams. Some chick ended up with concert tickets for the same time as her final exam. She didn't know what to do. It's a tough decision, a concert vs a year of your life and career. (Sarcasm font)

She wrote some emails and social media got her exam time changed. Her prof catered to her whim. We enable these people.

She will likely get a degree that will put her in charge of something and her attitude will fertilize more self entitled minds.

I knew a nurse, not on the sunshine list, that years ago had run up over a half million in non mortgage debt. Her credit card spent more time in her hand than in her purse.

The list is endless.

Google reliability but: So far, the worst recessions since the Great Depression happened in 1981-82 and 1990-91.

Math says it's been 31 years since the last recession (I don't know how the sub prime of 2007 figures in).

Math says anyone under 47 years of age didn't get a direct hit (under 16 at the time). Life has been good so why suspect it could change? Spend and inflation will make you rich. You have to look rich to become rich. You deserve a break today.

There are lot of middle aged people that have never been financially kicked in the groin. Their children are teenagers and have probably absorbed the same virus. That scares me.
 
GreyGhost said:
You can check your CPP entitlement with My Service Canada account although it is definitely not front and centre, you need to go looking for it. If I start at 60, I get $500/mo, @65 $780, @70 $1100. Also no easy COL prediction nor life expectancy prediction. It would be simple enough for that page to tell you which path got you the most money out of CPP based on when you will statistically die. They just need a few checkboxes for smoking, family history etc.
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To check call 1-800-URF-ucked
 
nobbie48 said:
To check call 1-800-URF-ucked
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Looks like you are having a bad day!

Go out to the garage, open the door and fire up a bike. You'll feel better.
 
It's been a long 2022 already - what was the bouncy castle thing about again?
 
Our healthcare has been a two (maybe three ) tiered system for years . And the college of physicians and nurses makes it very difficult to operate outside the established system.
I'm not in favor simply because I think its just not fair and equitable , selling the family home to cover cancer care for a child as an example is a pretty horrible prospect.
But .. with OHIP billing caps , some specialists hit their billing in October and essentially work on the house for two months. They make great money, but a small part of seeing a specialist is he is as busy as the system 'allows' him. So I am told.
 
crankcall said:
Our healthcare has been a two (maybe three ) tiered system for years . And the college of physicians and nurses makes it very difficult to operate outside the established system.
I'm not in favor simply because I think its just not fair and equitable , selling the family home to cover cancer care for a child as an example is a pretty horrible prospect.
But .. with OHIP billing caps , some specialists hit their billing in October and essentially work on the house for two months. They make great money, but a small part of seeing a specialist is he is as busy as the system 'allows' him. So I am told.
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So if I understand that correctly and I was a specialist my choices would be

A) Only work 10 months a year and take the summer off

B) Work shorter days and play more golf

C) Work a four day week and play more golf

D) Work for nothing

A, B, and C options create a missing link in a chain of treatment.
 
nobbie48 said:
So if I understand that correctly and I was a specialist my choices would be

A) Only work 10 months a year and take the summer off

B) Work shorter days and play more golf

C) Work a four day week and play more golf

D) Work for nothing

A, B, and C options create a missing link in a chain of treatment.
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A family member is an ortho surgeon. He is only allowed to do surgery a day or two a week now. The procedure he does is more expensive up front than conventional surgery but recovery is days instead of months so cost to society is probably lower. Gov't wants to save money so they won't let him work more. It doesn't matter to gov't how long the backlog is.
 
GreyGhost said:
A family member is an ortho surgeon. He is only allowed to do surgery a day or two a week now. The procedure he does is more expensive up front than conventional surgery but recovery is days instead of months so cost to society is probably lower. Gov't wants to save money so they won't let him work more. It doesn't matter to gov't how long the backlog is.
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Good grief. Forty years ago I had a new job and one of my duties was chauffeur to a rep that had his gall bladder out six months earlier. He was slowly getting back to work after being opened up like a fish. Now it's day surgery or one night in Hotel OHIP then back to work. Cost of recovery and productivity you say.......
 
It’s not unlike labour and delivery, it was three to five nights , now it’s a drive through service .
The backend is the number of patients and newborns readmitted in 24-36 hrs . But that’s a different set of stats and matrix to follow.


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nobbie48 said:
Typically six months to see a specialist. One common problem is joint surgery. If someone is in pain they stop or minimize using the joint and it suffers atrophy. Being healthy going into surgery means a faster better recovery. It isn't happening. Waiting a year is nothing these days. Then a tougher recovery.

When I said OHIP does what is necessary I meant whenthe finally get around to it. I'm considering some minor hernia surgery and spoke to my doctor's receptionist a month ago to find out what lead times are. I still haven't heard back. A bunch of other ailments are being well looked after.
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Speaking of private healthcare check out www. shouldice.com No referral necessary and they perform a detailed hernia exam. Partially covered by OHIP and a good reputation for the work they do.
 
Shouldice is a well oiled machine, you stop in during business hours , will likely be seen within an hour for a check. If required your booked pretty fast . Its a model of efficiency.
 
GreyGhost said:
You can check your CPP entitlement with My Service Canada account although it is definitely not front and centre, you need to go looking for it. If I start at 60, I get $500/mo, @65 $780, @70 $1100.
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I just signed up for that service and checked mine.
@60 = 681
@65 = 1064
@70 = 1511

Why are the numbers different from yours?
 
crankcall said:
Shouldice is a well oiled machine, you stop in during business hours , will likely be seen within an hour for a check. If required your booked pretty fast . Its a model of efficiency.
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Old coworker had his hernia done there. It was practically drive through service. Downtime/recovery is much shorter than the average there, too.
 
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