rickc rickc:
You are a smart guy, I know you can follow what I am saying easily enough.
I'll agree with that statement!
rickc rickc:
The snowbirds always come home because they HAVE TO, not because they WANT TO. The U.S. government only allows them to stay for 182 days during a 12 month period. I live in an area flooded with snowbirds. They always bitch about having to leave. They come here of their own free will. They leave because they have to. Even if the U.S government said that Canadians could stay forever without incurring any U.S. tax liability, they would still have to go back or risk losing their healthcare. The super wealthy Canadians (who can afford the outrageous healthcare costs in the states on their own, or their job provides it) don't go back.
Most of the snowbirds I know love the mild winters, but hate the hot/humid summers in the US, and are glad to come home. For many things, the price, when adjusted for the difference in currencies, is often pretty close, excepting the things hit by sin taxes (booze, cigarettes, etc.). In many places, I found the cost of things just as expensive, if not more.
I do agree with you that super wealthy Canadians often do move to the States permanently (or for most of the year) and you're welcome to them. I'd prefer they live the lifestyle they want instead of trying to get the rest of us to live theirs up here.
rickc rickc:
Who was scamming you in Florida? Why don't you show me some stuff that is cheaper in your neck of the woods than Florida? Car rental? Gasoline? Food? Beer? Alcohol? Water sports? Entertainment? Anything? Its not just the snowbirds. Florida probably gets more Canadian tourists in one month in the summer (when the snowbirds have all gone home) than your Province gets American tourists all year long.
When I was in Florida, almost every person I met was hustling, trying to sell me insurance, or a time share, or an expensive toy/touristy crap/junk.
As for the things you mentioned, booze was cheaper, but as someone who barely drinks, it doesn't benefit me.
Food was about 20% cheaper at the grocery store, and the selection was incredible, but eating out was roughly the same I paid at home, if you include 20% for the currency exchange. It seems like everyone and their little brother expects a tip in the US too, which adds up fast.
Gasoline was also marginally cheaper, but that's because I live in a city with four or five refineries that help keep gas prices down. IF I lived in Vancouver or Toronto, it would have been much cheaper.
Entertainment (family type stuff) was double or even triple what I would pay for the same thing back home - and I'm not including Disney in that calculation, because that is ten times or more expensive. This was one of the things I felt was the biggest scams in Florida. Everything was $50 - $80 per person US, which is far higher than going to something similar in Canada. By way of comparison, in Toronto, the CityPass there costs around $120 CDN for five pretty great tourist traps (CN Tower, Casa Loma, Toronto Zoo, etc.)
My two week car rental was about the same as my two week car rental in Vancouver earlier in the year, after converting for currency.
Finally, when you add in the cost of toll roads, health care and education, I don't see any financial advantage to living in the US.
rickc rickc:
There is nothing anecdotal about Californians moving to Las Vegas. Its a fact. A fact backed up by the census, moving companies, and real estate companies.
https://www.century21.com/CENTURY-21-Ga ... 000s-14346Glad that you have some evidence to back you up now, but your statement was anecdotal, just like mine was.
rickc rickc:
I am not surprised that someone living in a place where the various government agencies tag team you to take your wealth knows some people that have moved to California,(and you live in one of the better places to live when it comes to taxes but its still to damn high) Why not? I too would trade one tax and spend locale for another tax and spend locale with far superior weather. If I had to pick between New York and California, I would pick California every day of the week, and twice on Sunday. Thankfully I do not have to make that choice.
I don't mind paying taxes for excellent schools, great healthcare and decent roads.
The alternative I see in the US is if you make a lot of money, your kids can go to a good school in a good district, your can afford excellent medical insurance, and there's lot of toll roads for you to drive on.
To each their own, but I prefer the former.
rickc rickc:
Sorry to hear about your daughters condition. Unfortunately I do not see that problem being solved anytime soon in the states. But hey I could be wrong. Things are changing fast in the states these days. It could happen. No one thought that we would have a black President 20 years ago. I think that you are being prudent waiting for a less financially crippling situation than what you could possibly be facing in the states these days. Medical bills is one of the leading causes of bankruptcy.
Thanks. You guys are passionate about the 2A, up here it's universal healthcare for obvious reasons.
rickc rickc:
Even if the states had a one payer medical system, I do not think that you would be prepared for the outrageous cost of housing in southern California coming from Alberta. A fucking dog house in the hood goes for half a mil, (slightly playing with the numbers). If you owned a home in Vancouver island or Victoria, than it would be a lateral move, cost and tax wise. Alberta? Not so much. I had a friend a few years back bragging about how he was moving to San Fran and going to be making twice what he (and I) was making in Vegas. He is now working 2 full time jobs there.
Actually, I'm fully prepared for the outrageous cost of real estate in California - I know several people who live in Silicon Valley and the prices there are shocking.
However, we've looked at a retiring in California (near San Jose), and while real estate is pricey, between our income, retirement assets, home and other investments, it's doable.
My biggest hesitation is that the place I'd like to live is frequented by too many disasters, be it earthquakes or wildfires, the last of which I only see as getting worse in the coming decades. I'm not about to buy an acreage just to watch it burn to the ground a few years later.