Finance: Assuming you hold no debt at all, what insurances would you hold?
Like Chaitali Bhattacharya said, it's going to depend on where you live and your lifestyle. For example, I live in a large city and don't own a car, so I don't have auto insurance, but for someone in a less urban location that isn't an option. The insurance I have: medical, dental, long term disability, renter's. Two of those, medical and renter's, are required, either legally or as part of my lease. In the case of medical I might go without if it weren't for the tax penalty but thankfully my employer has a high-deductible and low premium plan. If renter's insurance weren't required by my lease, I would think I should have renter's but would probably not get it because I'm a bit lazy, but in general the annual cost of renter's insurance is incredibly cheap compared to the value insured and can save you a lot of money if you or a roommate ends up burning the place down accidentally (happened to a friend of mine). While I would prefer to have the extra $300 annually that renter's insurance costs me, it is a small price to pay for a lot of peace of mind. Dental is cheap and I like having nice(r) teeth, so I don't mind paying premiums for that to get lower bills because I will go at least twice a year to a dentist. Long term disability I get because it is very cheap and if I do get injured somehow there isn't anyone who can take care of me or help me financially and I don't mind parting with the $2 or less per paycheck to have some notion that if I do suffer some catastrophic impairment I will be able to live in some relative comfort afterward.
What reasons would a Canadian have NOT to move to the USA?
Thanks for the A2A.Many Canadians have moved to the US and loved it. I'm sure there are plenty more who would like to move to the US at some point. And why not? The US is a good place to live. The overwhelming majority of us Canadians, however, are quite happy living north of the 49th parallel.It's not just your politics, which is scary. It's not just the evangelical and fundamentalists that scare us either. Sure, Canadians have a high rate of gun ownership, but we have nothing compared to the US and your unsettling love affair with firearms... but it's not just that either.You see, it's not about "what's so bad about the US?" that keeps us here, but instead it's the "what's so good about Canada?" instead.We're sixth on the 2016 world's "Happiness Index" and the US is 13th. Both good scores, but you'll notice we're a bit ahead of you.Canadian cities on the 2015 "Top Ten" livable cities list: 3. American cities on that same list: 0. I live in Vancouver. It's #3 in the world, according to the list. I like it here.But, okay, if you were to insist on specifics about the US, I will present the following:Americans have the highest rate of gun ownership in the world. Canada has 12th highest. Despite fairly high rates of gun ownership in Canada, as mentioned above, murders involving firearms is 65x higher in the US than in Canada.According to NationMaster:http://www.nationmaster.com/coun...Canada's murder rate is less than half the US's.The American rate of rapes is 16 times higher than Canada's.America's crime rate is 5x higher than Canada's.Canada's petty crime rate is higher than the US, but violent crime murder rate in the US is 23x higher than Canada.The American rate of incarceration is 57x higher than Canada's.So, why would a Canadian not want to move to the US? We've got a good thing going up here. We like Americans. They're terrific friends and we're glad to know you. By all means, keep chanting "USA!" and saying you're number one, because as long as you think that, we won't have a build a wall on OUR southern border.With tongue partially in cheek, I say thank you for reading this.
In Canada, does being a Canadian Citizen with a Canadian Passport, entitle you to free healthcare?
As others have said the health care isn’t really “free” but there is generally universal health insurance provided to Canadian residents. The key, though, is that they must be a resident, which a passport doesn’t necessarily show. In fact, if the passport is shown as the sole piece of Canadian ID, it might be viewed rather suspiciously when it comes to establishing a right to Canadian provincial health insurance. A Canadian who doesn’t live in Canada, or who returned home recently and hasn’t established residency for long enough, is quite possibly going to have only a passport as their only Canadian ID. Someone who lives in Canada is likely to show a driver’s license as ID within Canada. A driver’s license is likely to cause less suspicion in this regard because it shows a Canadian residential address and also the date of issue is a good clue as to when the person returned to Canada. If a second piece of ID is needed a passport might make a great secondary ID but it isn’t a good primary ID since it doesn’t prove Canadian residency.
Christian Republicans vs. Christian Democrats?
How do Christian Democrats deal with issues like abortion and how much of it is garbadge ? I am a Republican, but sometimes I wonder why ? I just want really fair open views here. I know Presedent Kennedy was Demorcrate, but he was also a full Catholic Christian, so abortion would have been out. Or, would it have been ? I am Born again, Holy Spirit filled Christian/ Roman Catholic,woman. I have stayed a Republican, because I have been "told" that they are the most moral, morality believers, decent. Is this true ? Are Christian Democrats are trying to put more restrictions on abortions ? Are you in favor of Abortion? Fighting / working to keep marriage pure,between a man and woman, working to keep same sex marriages illegal? I just want to know. Thanks.
My husband's family constantly asks us for money, what do we do?
My husband's family is constantly asking us for money. Before I met him, his mother indebted him on credit cards for upwards of $35,000, which he has since paid off (the sad part was, at the time he was a poor college student and really stressed out over these bills). We have paid for his mother to move twice, given her thousands of dollars (literally), paid her insurance, paid her bills, made her car payments, bought her contact lenses, bought her at least four computers, paid for gas for her car, and when she and his other family members visit or we visit them, we have to pay for all excursions and meals for everyone. All this while trying to pay our own debts, raise our child with a good life, save for vacations, and saving for a down payment on a new house. And the crazy part is, his mom has a good job and lives with her daughter (my sister-in-law Angela). Angela struggles to pay the bills every month, but his mom doesn't give her any money. And his mother filed bankruptsy twice, which led to her divorce from her husband. I knew this new call was going to come, but I didn't think it would come this fast. Angela is getting a hysterectomy on Monday. They are behind on bills and Angela (supposedly) has a check about to bounce. I thought their financial situation would crumble after the surgery, but I guess it came faster. There's a fine line between me putting my foot down on this endless asking the Bank of Victorsons for money and being a cad to them because of Angela's surgery. What can I do? How can I put a stop to this or help them so they can get their finances in order? It's a two-income household and we are only a one-income household. Should we help them? Should we help them until Angela recovers? Are we enabling them to be irresponsible? Am I a jerk for thinking enough is enough?