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German credit agency earns millions through unlawful customer manipulation

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Re: German credit agency earns millions through unlawful customer manipulation

#241

Post by iforgotpassword »

mk89 wrote: post #233
illiac786 wrote: post #227

Earlier quoted context omitted.

The one I have seen are all young women and kids. They will cause not even a fraction of the health care costs a 70 or 80 year old German generates. I can't find this stat but basically it's exponential, one generates more health care costs in the last ten years of its life than during its entire previous life, on average.

> They will cause not even a fraction of the health care costs a 70 or 80 year old German generates. I can't find this stat but basically it's exponential, one generates more health care costs in the last ten years of its life than during its entire previous life, on average. I really don't wanna get into this populist debate, which is really annoying lately as it seems to be our biggest issue in the world, but ... t…

They enjoyed the golden years after WW2 where the economy was booming, decent pension starting at reasonable age, nobody cared about the environment, people lived like there's no tomorrow.

Now the coming generations can deal with the fallout.

Re: German credit agency earns millions through unlawful customer manipulation

#242

Post by carstenhag »

graemep wrote: post #184
usr1106 wrote: post #135

Earlier quoted context omitted.

German "public" healthcare is much more accessible and has much better coverage than its Finnish counterpart. Despite Finland reapeatedly making headlines (including on HN) about being a Nordic welfare state. Germans are typically complaining from a high level. Source: Members of the wider family living in both countries. Some over 80 and needing a lot of healthcare services. (I hear general practioners can be a prob…

> Germans are typically complaining from a high level. Do Germans share the British tendency to think everything is better in the rest of the world? As an immigrant (as a child, admittedly) and someone who has lived and worked elsewhere and, more importantly, does not completely share this aspect of the culture, I find British pessimism and self-flagellation really, really annoying.

Germans unfortunately like to complain a lot. Many things are better elsewhere, is claimed. Except for many other countries nearby. And the weirdos from UK leaving EU. And the weirdos from US with Trump. And we have it so bad, so bad. Sometimes I hate my fellow Germans.

Re: German credit agency earns millions through unlawful customer manipulation

#243

Post by Aerroon »

fabian2k wrote: post #115
Aerroon wrote: post #111

Earlier quoted context omitted.

If you're not employed then aren't you expected to pay both halves yourself?

It is paid by the social security system in that case. If you're self-employed then you will have to pay both parts yourself.

Ah, that's nicer than here. In my EU country you just don't get healthcare if it's not paid. Funnily enough you can't just go and pay it either, it has to come through something like a job.

Re: German credit agency earns millions through unlawful customer manipulation

#244

Post by lastdong »

Beijinger wrote: post #185
ciclotrone wrote: post #102

Earlier quoted context omitted.

I find it quite disturbing that high taxation is seen as a negative aspect of Europe. I lived in Italy, France and Germany, and I enjoyed public healthcare and education of very high standard at very affordable prices, and free in the limit that one cannot afford to pay for them. As a relative of a person with a chronic disease I can tell you that on the one hand if we are not bankrupt it is because of public healthc…

" I'm proud of contributing through my taxes so that anybody in need can have the same treatment irrespective of their economic situation." It is a big world my friend. And if millions come to use these services but don't pay in, the services get thinner and thinner. 1 Million Ukrainians came to German. Less than 25% have a job. The rest is financed by the taxpayer. Money, Rent, Health insurance... Edit: It reminds m…

It's important to remember that Ukrainian individuals in Germany make up just 1.2% of the population, the majority of whom are war refugees.

And while 0.9% can be treated just as a number, each one of these individuals has a unique story and deserves our empathy and understanding.

[0] https://www.osw.waw.pl/en/publikacje/analyses/2023-08-25/ukr...).

Re: German credit agency earns millions through unlawful customer manipulation

#245

Post by mech422 »

mcmcmc wrote: post #118
formerly_proven wrote: post #107

Earlier quoted context omitted.

High taxes with no matching value behind them is undeniably a negative.

Unless you want to get into the nitty gritty of economic policy analysis and measuring market externalities, value of public goods is pretty subjective. A healthy person might not see much value in public healthcare and a single adult with no kids might not care about education. Just because you don’t value something in the same way doesn’t mean it’s not highly valued by the people who voted on and implemented the po…

well - my son is out of school - but I'll still pay for good schools cuz when I retire I want a doctor that can read...

People forget, the young'uns are the ones you'll be counting on as you get older. Best to give them the best education possible, IMHO.

Re: German credit agency earns millions through unlawful customer manipulation

#246

Post by albert180 »

jandrewrogers wrote: post #208
albert180 wrote: post #175

Earlier quoted context omitted.

If Access to Health Care in the US is so great, why is infant mortality worse than in Cuba and they score dead last in every Health or Life Expectancy Metric among the G7?

None of these are primarily medical outcomes. Life expectancy, for example, is skewed by an anomalously high rate of fatal injuries when people are young, which has nothing to do with healthcare quality. For better or worse, trauma medicine in the US is arguably the best in the world because serious injuries are so prevalent. There is also the practical matter that the US is a continent-sized country and regional eff…

Uhm no, even the richest households are worse off than the poorest in UK https://www.ft.com/content/653bbb26-8a22-4db3-b43d-c34a0b774...

Re: German credit agency earns millions through unlawful customer manipulation

#247

Post by maeil »

formerly_proven wrote: post #112
jacquesm wrote: post #100

Earlier quoted context omitted.

I'm 58 and not exactly in the best of health. I've had to rely on healthcare in NL quite a few times over the last 20 years or so and all of those were serious cases. I have nothing to complain about, but that's n=1. To increment that n a bit: I know lots of people here and almost all of them have had some health issues over the years and the vast majority of those have been dealt with in a serious and reasonably eff…

> the diagnostic machinery isn't really all that effective, when in other countries they'd spend a fortune to find out what's wrong with you in NL unless it's 100% clear you're going to have a hard time getting the care that you need. What other countries are those?

Ironically the US seems to be best, or at least the "least bad" at this (if you can afford it); it's the only positive thing I can see about US healthcare.

Re: German credit agency earns millions through unlawful customer manipulation

#248

Post by throw10920 »

ciclotrone wrote: post #102
ArmandGrillet wrote: post #37

Finally. Germany combines some of the worst aspects of the US (credit ranking, complicated abortion process, private healthcare if you want decent treatments) with the worst aspects of Europe (low digitalization, high taxation, recursive federalism: within the country and within the EU). A country like the Netherlands has its own issues (mainly housing) but doesn't have the myriad of pain points you can find in Germa…

I find it quite disturbing that high taxation is seen as a negative aspect of Europe. I lived in Italy, France and Germany, and I enjoyed public healthcare and education of very high standard at very affordable prices, and free in the limit that one cannot afford to pay for them. As a relative of a person with a chronic disease I can tell you that on the one hand if we are not bankrupt it is because of public healthc…

> I find it quite disturbing

Typical emotional manipulation...

> that high taxation is seen as a negative aspect of Europe. I lived in Italy, France and Germany, and I enjoyed public healthcare and education of very high standard at very affordable prices, and free in the limit that one cannot afford to pay for them.

...coupled with an utterly illogical (and factually incorrect[1]) non-argument.

You can have these things without high taxation, if the system that implements them is efficient. It's not.

[1] https://news.ycombinator.com/item?id=39402957

Re: German credit agency earns millions through unlawful customer manipulation

#249

Post by Beijinger »

mk89 wrote: post #238
Beijinger wrote: post #222

Earlier quoted context omitted.

"Not 6 months" I don't care what the internet says. I know from my own experience it is 6 months, at least for some categories. Some sources say 30 days. A joke! I could call the office of my average XYZ doctor now and ask. And it will be 6 months, for sure. "Most of the time it’s better than the US. " The US has a lower live expectancy. Whatever the reasons may be. While this is concerning and not good, as long as y…

Not sure where you live. I (and the people I know, some of them 65+) never had to wait for 6 months - even for surgeries. And I can speak about a decently wide range of categories. You also mention "at least for some categories", then you mention that "you could call the average XYZ doctor", as it that was applying to all categories. You seem to be generalising out of emotions, to be honest.

I don't have diabetes, for example. So I can't say anything about seeing such a specialist.

Re: German credit agency earns millions through unlawful customer manipulation

#250

Post by Beijinger »

mk89 wrote: post #239
Beijinger wrote: post #194

Earlier quoted context omitted.

"a decent education system that's largely free and accessible for everyone" I give your Universities a 2-3 (On a scale 1 Top, 5 fail). High schools are getting worse and worse due to the immigrants. So you would want to send your kid to a school without many immigrants, mainly due to language barriers. "a decent healthcare system" Again, I give you a 2-3. More and more people are sucking services, fewer people pay in…

On a scale 1-5, 2 and 3 are exactly the same as or better than "decent". Otherwise the previous poster would have said "they are perfect (=1)". You're being a bit unfair, to be honest.

I did not say it is third world.
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