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01-09-2016, 05:22 PM   #121
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QuoteOriginally posted by chmance Quote
Once I feel I am close to that threshold, I will consider the Pentax FF body. And who knows that could take another decade and by that time the K1 would be on sale for a couple of hundred bucks.
That was my plan for the 645D, it's in it's fifth year now, and the Canadian dollar is dropping faster than the price of the camera is. I'm actually losing ground on it, I was sure by now I'd be able to pick one up for between 2 and 3 thousand dollars. It's still over $5k.

01-09-2016, 08:28 PM   #122
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QuoteOriginally posted by normhead Quote
That was my plan for the 645D, it's in it's fifth year now, and the Canadian dollar is dropping faster than the price of the camera is. I'm actually losing ground on it, I was sure by now I'd be able to pick one up for between 2 and 3 thousand dollars. It's still over $5k.
Don't fret Norm. Just think of our universal health care here in Canada and subtract that privilege from the over $5K price for the 645D. You'll come out way ahead in spite of the tanking Canadian loonie.
01-09-2016, 08:35 PM   #123
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Not to worry dude, I'm being scheduled for a new hip, I'm not sure what this would cost me in the US, but I wouldn't be buying any lenses or cameras for years to come.
01-09-2016, 08:43 PM   #124
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QuoteOriginally posted by normhead Quote
Not to worry dude, I'm being scheduled for a new hip, I'm not sure what this would cost me in the US, but I wouldn't be buying any lenses or cameras for years to come.
It would cost the sum of your insurance premiums and deductible for the year, plus 20% of the amount over that, up to your maximum annual outlay. You want to have this done in the first quarter of the year so your rehab costs don't roll over into a new year - and a new deductible.

That's something like $7,000 + $3,000 premiums = $10,000 USD all-in.


Last edited by monochrome; 01-10-2016 at 08:13 AM.
01-10-2016, 07:52 AM   #125
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QuoteOriginally posted by normhead Quote
Not to worry dude, I'm being scheduled for a new hip, I'm not sure what this would cost me in the US, but I wouldn't be buying any lenses or cameras for years to come.
An arm and a leg.
01-10-2016, 08:11 AM   #126
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QuoteOriginally posted by monochrome Quote
It would cost the sum of your insurance premiums and deductible for the year. You want to have this done in the first quarter of the year so your rehab costs don't roll over into a new year - and a new deductible. That's something like $7000 USD all-in.
Or $10,000 CDN

That would set me back an FF and 150-450 and 24-70, and possibly a 31 ltd or 77ltd as well.
Mean while my insurance premiums are taken out of my income tax. Pay no deductibles, a $100 a year deductible for my drugs and then can get all the rest of what i need for the dispensing fee. And since the Canadian system runs on about 1/4 the cost of the American system, we don't have a bunch of "shareholders" to pay off every year, a gross in-efficiency. What I actually pay, taken from my taxes is a fraction of the Premiums Americans pay. If I wanted to go for private health supplement, it would cost me more per year, than I pay in taxes, and those taxes include my contribution to the health care system. That's how corrupt the private health care system is.

But, I digress
01-10-2016, 09:04 AM   #127
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QuoteOriginally posted by normhead Quote
That's how corrupt the private health care system is.
My wife and I pay about $3,000 a year in premiums. Virtually all routine medical services and prescriptions are covered by that $3,000, or cost less than $25 (90-day maintenance prescriptions, for instance).

I can choose my hospital. There are at least a dozen first-rate hospitals within half an hour of my home. I can have any surgery I need next-day. That has happened four times in the last ten years. I can choose my doctor and my specialists with no limitations. I can see my doctor next-day. Specialist visits by referral are immediate - often same-day.

I am not obligated to pay what I pay. There are less expensive alternatives with no immediacy, less flexibility and significantly less (read NO) choice of hospital or physician. I choose to pay for the care I receive.

I do not, however, use medical care thoughtlessly. Because medical care costs me money.

Shareholders have a profit incentive. Shareholders demand efficiency and productivity. Government demands, well, nothing. Government is the ultimate example of finding the least common denominator with the least choice and the most bureaucracy because government has no performance incentive.

On a national scale, quality for quality, health care is a marginal economy. It costs the same thing everywhere no mater how the money is gathered.

Last edited by monochrome; 01-10-2016 at 09:11 AM.
01-10-2016, 09:26 AM   #128
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QuoteQuote:
My wife and I pay about $3,000 a year in premiums. Virtually all routine medical services and prescriptions are covered by that $3,000, or cost less than $25 (90-day maintenance prescriptions, for instance).
These days, my wife and I pay less than $3000 a year in taxes together forget about for each of us, and that includes full medical coverage for both of us.

I can choose my hospital, I go to the local guy, Tess goes to a teaching hospital in Uxbridge because she appreciates the world class services etc. convenitenly located under one roof.

Shareholders could care less about efficiency, shareholders care about getting as much of you money as possible, and often that means padding costs to justify higher charges for services. They don't even care if they provide any service at all as long as they are getting your money.

Because to raise our premiums governments would have to raise taxes, and no current politician can get elected if they raise taxes, the Government run institutions are actually under tremendous stress to run efficiently. Ask any of the health care workers who work for them.

Your characterizations are without foundation in reality.

QuoteQuote:
On a national scale, quality for quality, health care is a marginal economy. It costs the same thing everywhere no mater how the money is gathered.
The per capita cost of the American system is about 4 times the cost of the Canadian system. When looking at fixed costs for businesses, the Canadian health care system is one of the few benefits Canada offers as an advantage over the U.S. Looking at per capita profits taken by the shareholders in the American system, it's possible that profits passed on to shareholders in the American system, are more than the total cost of the Canadian system.

Your beliefs are being shaped by the propaganda put out by those , who's only real concern is to get as much of your money as they can. And they are able to do that. because they get so much of your money. People getting rich by taking advantage of others, will spend whatever it takes to keep their entitled positions in society. And the crazy thing is, they have convinced people like yourself of your own free will, to argue for them.

They are under no obligation to tell the truth. In fact they are under obligation to misrepresent the truth, if it increases their profits.They answer to their shareholders, not to the public.

I'm being treated by medical staff, at the Trent University Sports Medical centre. I didn't ask for them, they were essentially referred to them by the system. I didn't even know they existed. But they are the absolute best people for me to work with. I don't really need choice because they got me to the people best suited for my needs, but if I want to walk away and go to Parry Sound and have the surgery done by my friend's surgeon, or anywhere else, I can do that. My doctor can refer me to any medical centre or hospital in Ontario, and if necessary any hospital or medical centre in the U.S. as well, and none of it will cost me a cent out of pocket. You guys have been sold a total pack of lies.

From my perspective, the real objection to the Canadian system in the U.S., is rich people can't use their money to jump to the head of the line. They might actually have to wait in line behind poor people who need the surgery more, or who were diagnosed first. Americans hate it when poor people have rights.


Last edited by normhead; 01-10-2016 at 10:10 AM.
01-10-2016, 09:51 AM - 1 Like   #129
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If one does not choice their doctor who chooses him or her for them? Our one hospital is the only big one in an one and half hour drive in any direction but we will have the Pentax FF for sale locally. Our vet bills used to be more each month than our annual heath care costs except for when my wife gets new frames for her glasses which is abut half of one months vet bill. The last time I took my wife to the emergency room her wait to get in was under 5 minutes which is a little longer than most folks are waiting for their full frame.

My health care cost have absolutely zero affect on my ability to buy camera gear or any other product and will not change if I retire or quit work whereas my ability to buy gear would.
01-11-2016, 07:11 AM   #130
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QuoteOriginally posted by normhead Quote
You guys have been sold a total pack of lies.
QuoteOriginally posted by normhead Quote
Americans hate it when poor people have rights.
Amen and Amen!

Regards!
01-11-2016, 07:25 AM   #131
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QuoteOriginally posted by normhead Quote
Not to worry dude, I'm being scheduled for a new hip, I'm not sure what this would cost me in the US, but I wouldn't be buying any lenses or cameras for years to come.
My hip replacement in 2008 cost $32000. Cost me $250.00. Last year my wife got a knee for $38,000.00 and it cost us $10,500.00 out of pocket due to escalating deductibles and providers in the OR that were "out of network" unknown to us. The US has gone to the independent contractor model for surgical support staff and the insurance company does not pay them.
01-11-2016, 09:08 AM   #132
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QuoteOriginally posted by Not a Number Quote
biz-engineer - boriscletoed™ - long overdue IMHO
+1. Works for me, too!
01-11-2016, 09:43 AM - 2 Likes   #133
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Anybody want to guess how much longer this thread will stay open if the polical talk doesn't stop?

The "my country is better than your country" and other politcal/quasi-political commentary stops now.

Last edited by Parallax; 01-11-2016 at 09:51 AM.
01-11-2016, 09:49 AM   #134
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I'm guessing not very long.....

I'm guessing one more little teeny tiny reference buried in a long post about photography would do it.

Am I close?
01-11-2016, 09:51 AM   #135
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QuoteOriginally posted by normhead Quote
I'm guessing not very long.....

I'm guessing one more little teeny tiny reference buried in a long post about photography would do it.

Am I close?
Give that man a cigar.
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