5 Shady SCAMS That Have Become So Normalized, We Don't Even Notice Them Anymore.
Вставка
- Опубліковано 15 тра 2024
- Stop data brokers from exposing your personal information. Go to my sponsor
aura.com/accordingtonicole to get a 14-day free trial and see how much of yours is being sold.
Please LIKE this video, leave me a comment, and subscribe for more content.
Support this channel on Patreon: / accordingtonicole
Follow me on Instagram: / according_to_nicole
Business inquires: AccordingToNicole2022@gmail.com
Support this channel by buying me a coffee: www.buymeacoffee.com/nicolesy...
MY FAVOURITE THINGS:
📷 My camera: amzn.to/3jh9MzX
🎤 My microphone: amzn.to/3PBk2PS
👖 My favourite jeans: amzn.to/3Wtlx4L
🤖 My robot vacuum: amzn.to/3WcnRgK
☕️ My espresso machine: amzn.to/3YRohLu
🍳 My cast iron skillet: amzn.to/40LiS9U
🔪 My favourite kitchen knife: amzn.to/46mNmAf
⏰ My wake up light: amzn.to/3YGehUa
💿 My record player: amzn.to/3SIJC9b
🔊 My speakers: amzn.to/3SK0c8J
🐶 Levi's favourite treats: amzn.to/47fOMxM
💵 Invest with Moomoo and earn a bonus of up to $2400 when you sign up and fund a FREE account: j.moomoo.com/00OzW7
💰 CASH BACK WHEN YOU SHOP! - GET $5 for FREE when you use this link to sign up for RAKUTEN www.rakuten.ca/referrer?refer...
***Some of these links are affiliates and I may receive a small commission when you sign up or make a purchase.
Edited with Gling AI: bit.ly/46bGeYv
Music from Uppbeat (free for Creators!):
uppbeat.io/t/kidcut/flamingo
License code: QGYVKF3ZH9GBUWW4 - Розваги
You are absolutely right about HR. To everyone out there, always keep in mind that people working for the HR department are paid by the employer, not the employees. Everything you will say to HR will be brought to the attention of the management. Be very careful what you say to HR, they’re not your friends.
Professional narcs
I once went to HR with a serious complaint and she straight up told me that wasn’t their role, they are there to serve and advise management.
If a manager is a bully, and can get away with this time and time again, you're basically asking HR to do their job properly, you're telling them to get off their asses and make themselves useful... so indeed, they'll see the naive victim as a troublemaker and notify the manager... they're also expected to protect the interests of that manager, which takes priority, so they'll gladly help to give the new employee a bad evaluation and such...
I don't know why people would think HR is their friends in the first place.
Modern day labor unions have become scams, too.
As someone who works in HR .... you are 100% correct in your statement that they serve the company, never the employee. "Going to HR" just means giving them advance notice of your ammunition so that they have enough time to formulate a defense strategy to use against you. At one time I was with a large corporation who utilized a so-called "Third Party Independent Employee Relations Team" with assurances that they were completely separate from the company and completely unbiased. Yet the ER Investigator's rulings always seemed to be in favour of the corporation. Fast forward less than a year later and the so-called independent ER Investigator with the third party ER company applied for, and got hired into a high-paying Vice President position of the corporation that he was supposedly independent from. Funny how that works.
Yeah had to learn this young also. Love all the mandatory arbitration agreements sometimes even before you can apply or are offered a job.
Yes. I get that.
Wow what a complete and total coincidence. Lol ugh
Internal hire. What BS. Just joking to make a point. May as well have been an internal employee with an inside pathway to the VP job.
she has deleted allll my comments hahaha
Some years ago I worked with a girl that liked playing the lottery. Her birthday came around, friends of hers decided to collect money for a gift, they collected about $100. So they decided to get her $100 worth of lottery tickets. Not one ticket won anything! Not one penny. What a waste of money.
Thank goodness! Years ago a neighbor of my sister won a 7-figure sum in the stupid tax...err..I mean 'lottery' (I forget the exact amount). Within a year he lost his wife; his business; got sued over a minor car accident (They found out he had money)...and basically his life was ruined. I don't buy lottery tickets. Not only because i understand math...but because I wouldn't want to win a large sum of money. Nor would I want to give half of that money back in the form of taxes! (They take it off the top before you even see the first cent).
@@bobbylibertini I'll take the money. I can handle it.
I had some sort of lottery that was won on my housing block. A week later i got an unsollicited call from someone trying to sell me that lottery. I said i wasn't interested and she said but what if your adress wins ? I told her that i did a short while ago but i still have zero interest. Fuck lotteries.
@@bobbylibertini In Canada you don’t pay tax on lottery winnings.
@@garyfrancis6193and you get universal health care while in the USA you pay tax on lottery wins and you get zero healthcare. How stupid is that?
The primary thing I like about this series is learning how to avoid these scams, but the US Healthcare system is unfortunately unavoidable.
😕
Move to Canada and get scammed in real estate. sixes.
Hahaha good point!
Can get scammed on real estate in the US too! But compared to canada, yea@msmith3395
Buy good healthcare insurance.
In the US a manufacturer does not pay sales tax on the components of a product they make. They would pay tax on ancillary items used that are not a part of the product, such as tools and office supplies, but not on the components themselves.
It's the same in canada
Yes, you are correct, but what a lot of people fail to realize is that the cost of all the other taxes businesses/corporations pay (Corporate income tax; property taxes, etc.) are passed on the consumer via the ultimate price of the product. Even inventory tax (Yes...they actually have to pay TAXES on stuff they already own....)
If manufacturers were to pay taxes on the components that they use, final cost of the product that reaches you will increase. Its called value added tax where you pay tax only on the final product.
Thomson Reuters website (can put link here because YT policy..) says: “. While US manufacturers don’t pay sales tax on raw materials that are used in a final product, they may be responsible for the indirect taxes on purchases of equipment and supplies such as machines, conveyor belts, and forklifts. Typically these purchases are exempt from tax; however, the challenge is for companies to know whether the goods or equipment they are purchasing will be used in a manufacturing or R&D process, which is usually tax exempt or reduced rated.”
@@shivangiagrawal2665 Yeah, it's bad enough that everything made in the US is already so expensive because of the 26% corporate income tax, plus the TWENTY-NINE different government agencies they have to deal with and comply with; Not to mention the inefficiencies created by the unions ("I have to sit here and wait for 2 hours to fix this heater because the dust needs to be blown out first, and only the union cleaner is allowed to do that"...); the difficulty of finding skilled conscientious workers; retirement and benefit plans, etc.
Whenm I see something says "Made in America" I drop it like a hot potato......
Bottled Water: people are willing to pay $1.50 for a bottle of water but complain when gasoline sells for $1.50 per liter... Hmmm, Hmmmm
False rage based on ignorance and social conditioning - crazy!
I n restaurants they can be $2 to $2.50 and movie theaters, I remember seeing $4 YEARS AGO!!!!!
Yet they complain the other way around too.
And those bottles are usually less than a liter.
If they had to buy 60 bottles of water the way they have to buy 60 liters of gas to fill up their car, they would be complaining.
Human resources is also called that way because humans are merely resources for the company.
You know, like tools, materials, and whatnot. Just a resource to exploit.
And like many resources nowadays, employees are often looked at as expendable or disposable items. When a tool, or a worker, cannot deliver an adequate profit, instead of being maintained or repaired... or compensated properly, they are thrown out and replaced with a cheaper alternative.
Correct. 'Resources' are things that are consumed. They are used for as long as the cost of maintaining them is lower than the cost of replacing them, and then they are discarded and replaced. The world took a dark turn when companies shift from "Personnel" to "Human Resources". Life is much more comfortable for persons than for resources.
That’s how I always saw it.😢
HR's purpose is to protect their employer's assets, which don't include employees.
Human Resources. Humans are the companies Resource that they extract profit from.
@@SPR_NAPALM✅
That's not how sales tax work - in the UK, VAT charged to a company can be claimed back by that company. You're only paying the VAT on the final product, not throughout the process. Also some items like fresh food and books are zero rated here. Otherwise another corker.
I've also never heard of a system where a company doesn't get the VAT back. I only know systems where companies identify themselves directly with a VAT ID and do not pay it and systems where they get it back from the state through a tax return.
This is also how it works in Canada. Businesses claim a tax rebate on all the materials, tools, and expendables purchased for the business.
I worked in middle management for almost 20 years for a company that employs thousands of people in my area, so I can't really speak for small workplaces. But when someone brings a complaint to HR about someone, they do one of three things: fire, force transfer, or personal conflict memo (where both parties have to sign a letter saying they understand HR investigated and they agree to act nicely around the other person). I'm not sure why people have this mentality of "i'm going to HR" when something that happens to them that they don't like, their whole job is to protect the company from getting sued, not to help you.
I complained to HR when a manager wamted me gone less than a week after being promoted. Was a government job. I spoke to HR and the union. She was known for abusive tactics. I was offered my previous position. Nothing happened to her. In fact, she was made manager of the year by HR! Absurd.
Sounds more like what a union does for its members.
You don't know 'why' one would assume that they might be protected should something come down the pike? How'sa bout....the Onboarding Process.....and the Zero Harassment Policies. They 'sound' good....don't they?!
They are not selling us water, they are selling us plastic bottles 🙃
True
Convenience
Plastic water!
Some of us live in areas where tap water is poisoned with fluoride and chlorine. And no, basic filters can’t remove fluoride, except for reverse osmosis, which makes the water too pure to be drinkable (it actually dehydrates you)
Young lady speaks truth about American ‘healthcare’ nightmare.
@@joanfrederick9176 I don't think Canadians think their system is free. The numbers show that per person they pay about 1/2 of what us in the US pay. The numbers also show that they have better outcomes.
@@joanfrederick9176
Start here:
en.wikipedia.org/wiki/Comparison_of_the_healthcare_systems_in_Canada_and_the_United_States
These days all the facts are at your finger tips. You can find the WHO study if you look.
No my hair is not pink and there is not much of it left.
The bigger scam in US healthcare is the insurance industry. The deductables and copays are based on some astronomical pricing. The insurance companies will have negotiated much lower prices than what is apparently on the bill but the copay will be based on that astronomical pricing. For instance, I was bitten by a dog about 15 years ago. I went to an emergency room. They looked at the wound, irrigated it, splashed it with betadine and applied a triple antibiotic cream, bandaged it, and gave me a tetanus shot. With exception to the tetanus shot, all stuff I could just as easily done at home. They didn't debride anything so I had to the next morning when some of the little bits of barely connected skin started to necrotize. I was billed $2500. On supposedly a 20% "copay" which would mean the part insurance covered was $12,500. But the total cost was $3200. The insurance had negotiated down their "share" from about $!0,000 to less than $1000. But my copay wasn't 20% of the total of that negotiated price. Total scam, my share was an absurd price for the services performed which would certainly have covered the costs of the work done several times over.
Just like when you were forced to have ins or had to pay a penalty.... I would usually go to an urgent care and pay 75 for the Dr visit and whatever shot and labs were done in house. Come to having INS and going to the same clinic and receiving the exact same services but they would bill ins instead of the up front cash payment.... Got a bill week later for 450 that INS wouldn't pay a dime on the bill until met a $5k deductible... So at that time was making 45k a year gross, then paying basically $4k a year in the INS premium for spouse and self. Not to count the taxes also that were coming from income. I was then supposed to meet a $5k deductible before the insurance paid a dime for anything. Once the deductible was met, I would have been still responsible for a 20% coinsurance payment on their in network providers and 50% out of network.... Next time needed to go to see a Dr, told the woman at front wanted to not run insurance and of course "You have to run it thru insurance" so I left there and went across town to the other urgent care and just said I needed to cash pay to see a Dr and of course the prices were a little higher since was nicer facility so paid $125 for a "no insurance; cash pay customer".... Oh yeah and the "you get a free wellness visit" claim.... Better not ask a question about any issues bc if they code it as any diagnostic or anything besides only the wellness checkup, you will be receiving a bill when you were expecting it to be free bc of the INS paperwork saying a free wellness checkup. Insurance especially healthcare is a big scam just to benefit them in taking your money
@@Bamapride1985 not to mention how it created a whole industry of 'medical coding' that doubled doctor office front staff just to have people to deal with insurance companies. That's easily a mid 6 figure expenditure that shouldn't have to be there.
@@Bamapride1985 Indeed. Insurance is a gigantic scam like leasing and all the other financial crap. In the end, you get to pay the product you want in the first place plus the insurance company. And look at the office towers and lots of drones they have, where did the money come from? Yes, exactly: You and me paying premiums, getting nothing while they made bank.
In the US, poor people have been taught by the rich to believe that other poor people are their enemy.
💯
And the poor have been convinced to vote against their best interests because of “socialism” (which they think is a dystopian Orwellian 1984 place). The powerful have done a great job of brainwashing the poor to vote accordingly to the interests of big business. Go capitalism!!!!
That's absolutely true!
🎯💯❗️
They've also been indoctrinated on the myths that money equals wealth and inflation equals CPI. Both of those lies have had disastrous consequences on the society for the past 50 years
I’m sorry but our Canadian healthcare is not as good as it seems. I have a friend going through chemo and because she is not well enough to have the first line treatment the treatment the doctors have put her on to save her life is not covered. She has to pay several thousands of dollars out of pocket every single month. This was a shock to all her friends and family - we always assumed that everything was covered. We in fact had to start a go fund me for her treatment. Our healthcare is not what we all thought and hopefully you don’t find out the hard way.
I don't understand why Nicole even inserted the US healthcare v. Canadian healthcare here without proper research.
This is the first time I have ever heard of this??? This sounds like a scam. Have tried to report this to the media? I know that there is a shortage of medical workers and the system is difficult to enter but once you have enter it normally you’ll be well treated for free.
And even when it is covered it takes forever, it took 6 months to get skin cancer removed from my nose, it took 12 months to get my son's MRI, it was like 9 months to get my other son in to see an allergist. And this is in the Toronto area, where there should be plenty of doctors.
Why do I hear stories of Canadians coming to the states to get treatments because the long wait in Canada? The US healthcare is anything but perfect and a huge issue is actually the government run part in medicare. The government wont even pay cost on medicare claims, eg procedure cost 100 but only pay 90. Those cosst are then passed on to those still working via insurance costs and higher medical costs. Canada also has the luxury of piggy backing on the US military and spending way less on defense thus more able to be able to have universal heathcare. Whenever the government gets involved costs go up. Just a few: 90s laxed lending standards for homes, took over student loans for college, and of course Obamacare, heck costs just do go up they skyrocket.
A lot of yall seem triggered that she dared attack the US healthcare system. Can people just agree that just because someone gives a legit criticism on a country doesn't mean you should feel personally attacked? Nor, does it mean that they're saying they're country is without fault? I mean come on guys, how much does it cost visit the emergency room or just for the ambulance to pick you up to go to the hospital? How much does it cost if you to see a healthcare practitioner just for an opinion if you don't have healthcare? Exactly, so let's stop acting like what she's saying is totally off base, because it's not. LOL
You got the "sales tax" spiel wrong. You described value added taxes. Sales taxes do not tax each level of the supply chain. Canada's HST, GST, etc., are value added taxes. USA has sales tax, and it is only charged at the end point (when purchased for one's own consumption). My boring-ass job revolves around this, so I'm quite familiar with it.
I had a boss who was, literally, out to get me because he heard me talking with another employee about his cheating on his wife who was dealing with cancer. He looked at me as enemy number one after that. His behavior was so disturbing, and I really thought that HR was there to help employees. So, I made the mistake of communicating with HR. They treated me like I was the problem and that boss turned everything around and kept lying to them, claiming that I wasn't doing the duties of my job. I asked for clarification when accused of this, and he couldn't come up with anything but some general thing he found that had nothing to do with my particular position.
Finally, I hired an attorney to force both HR and my boss to write, specifically, what those duties he claimed I wasn't doing that were my actual duties, and that's when HR closed the meeting and put me on leave until they decided what to do. Fortunately, they were able to move me to another department with a boss (female) that was amazing and treated me well.
Wow, that was a positive ending to a story. You should be so proud. I got shafted by my last boss so I left. It was one of the best jobs I ever had with the worst boss I ever had.
@@bumblebee_mrs Sorry to hear this. I have even better news about the cruel manager..after all that, he was demoted and moved to another office in another state. I know I wasn't the only person he treated badly.
i waited 2 months to get a chair for accommodations at walmart (cerebral palsy) because i didn't have a doctor's note. i contacted hr regarding my feelings of being ignored and they basically said "well you might as well quit or power through it for now".
i was taking 3 painkillers a day and all i wanted was a stool. they even told my boss that i was considering quitting and my boss basically gaslit me by saying "well you DID say you can manage this job in your interview" which made me feel like shit
@antant6217 The managers there sound miserable. Do some research online on what the ADA considers *_reasonable accomodations_* and write either a letter or email (something traceable, but not a text) that you can send to your manager, with HR on copy. I suggest you add in *_legalese_* sounding language, similar to the following:
This letter serves as my request and notice for reasonable accomodations, including a stool (brand: ___, model: ____)
By denying me reasonable accommodations, it shall be perceived as retaliatory and discriminatory against me. I appreciate approval and delivery of my request. Thank you.
Sincerely,
_____
After you have that *in writing* get their response *in writing* and contact an attorney. You will have a discrimination case against your employer. Good luck!!! 🤞🏻
Scamming yourself and blaming others is the ultimate scam.
One of my favorite 'scams' is watching people place biodegradable dog poop in a non-biodegradable plastic bag.
That's a good one! The plastic is green....but it's not actually compostable.
Do you know if my dog has parasites or is sick with an infectious disease?
If it’s a dog park/trail where people bring dogs those parasites and diseases spread through poop. Best of all a lot of those diseases and parasites can spread to the wildlife.
Bagging dog poop is being responsible. Also dog poop can have stuff in it that water treatment facilities can’t remove. Depending where you’re at.
@@lVlegabyte Great point! We could at least find bags that degrade over time, after the infested poop has been in enough quarantine.
@@lVlegabyte How about all the other animals that roam free and poop wherever they need to? Who scoops up their poop? How about all the birds, or fish etc. Where is all the poop and plastic bags taken to after you drop it in the can?
@@dabprod balance is key. Wild life that has been there has it in check. We are introducing much more poop, disease, and parasites than would be there normally.
My description of HR to new employees was (now retired)... they will hug you like they are your friend, but be aware they have a knife in their hand and will proceed to stab you in the back. So don't say anything to them accept, "Everything is great, thanks!" for as long as you intend to stay.
Exactly / complain about anything and they will be looking for a reason to fire you. Fact
HR used to be called 'Personnel'. The reason these departments got created in the first place was because of government regulation. Thanks to the Dept. of Labor, OSHA, IRS and state and local bureaus, etc., piling on regulations, paperwork and so forth, companies could no longer keep up without hiring full-time professional administrators. HR staff are literally compliance officers whose job is to make sure the company stays in compliance with all the required government red tape.
The red tape that was made necessary because businesses screwed over people too many times which prove they can’t do anything half decent without being forced to.
very true indeed. I have mostly worked at smaller companies where HR was much more basic. But the one time I worked for a much larger organization I was literally an auditor in compliance helping them avoid lawsuits.
Yes being taxed almost half my paycheck then having to pay real-estate taxes after and taxes on everything else can drive one crazy!!!
Try looking at the places where there are no taxes. They are profoundly awful places to live. That difference is what the taxes buy you.
@@kensmith5694 I know just wish it wasn't so much!!!
@@paul_domici ... and I wish I was young and good looking. Do we wish on a star or drop some coins in a well? Are those coins in the well yet another tax?
@@kensmith5694 Hope your wishes come true boomer! Now I know what Nicole was talking about on the last video 😂😂😂
@@paul_domici What are you on about? Did you not recognize the joke?
HR departments share information with your health insurance plan.
They then fire employees with health or family health issues.
Claiming your health records are confidential is a joke.
Your employer knows more about your health than you do.
Yikes!
Decades ago I moonlighted as a nightwatchmen for an agency that had a plant that was relocating to a different state. I was making the rounds in the middle of the night and I was shocked to see the head HR manager left the computer binders open on his desk. The binders had each employee name and the monthly, quarterly,,ytd totals for claims on his medical insurance. Not only that, but another binder had the pharmaceutical cost listed separately. Also listed were his medical/pharmaceutical cost for his dependents on his insurance plan. Perhaps the corporation had self funded medical plans. That is where the insurance company acts as the manager and charges the corp a service fee above the paid out claims.
Amen Nicole! Preach girl! I’m a US citizen and you just hit the nail on the head.
No, sales taxes are not accumulated through the production process. Businesses can claim input tax credits for any taxable goods they sell - so effectively the tax is only charged on the final sale.
This. Materials going into the production process for the sake of production are exempt. Materials consumed for ancillary purposes, taxed. For instance, in chemical manufacturing, certain solvents become part of the product while additional amounts of the same solvent might be used for cleaning equipment... sales tax applies to portions used for cleaning but not for the portions consumed by production.
I caught that as well. Sales tax is just, on the sale of the product. Not production or distribution.
I live in Texas, and drive across to Mexico to get my medical and dental needs met. 1/4 to 1/3 the price. To anyone who says they have concerns about the quality, here's an example-my dentist was trained in California and participates in Dentists without Borders every year. He's excellent. There are good and bad providers everywhere-do your research as much as possible, and save your money where you can!
I got a emergency root canal and a crown done in Mexico.
No wait, No temporary crown/come back in 2 weeks for the permanent crown BS...
I walked out with a computer modeled permanent crown that day and was drinking a margarita and eating chips and salsa that afternoon for 1/3 the price of what it would cost in the US.
..and like you said, all the dentists and dental assistants are trained in the US.
Human Resources - It's not about "providing resources for humans," YOU ARE THE RESOURCE! An employee is the same as a van in the "Transport Department."
HR is more than just a scam. HR has become the SS of most large companies, not only there to defend the company from the acts of its managers but also to push corporate agenda programs and propaganda onto the workforce, then "monitor" them for compliance and adoption.
No matter how high a performer you are, saying (thinking) the wrong thing in earshot of HR can be a career-limiting move.
I was a plant manager and was in HR one day and said, “if I didn’t have any staff I’d get a lot more done!” I’m sure that was the day that the handbrake went onto my career 😮
OMG, I live in Michigan and, before COVID shutdowns, used to drive to Canada to get affordable healthcare treatment and meds. Scariest time ever was getting stuck at the border getting back into US with a border patrol agent, with white supremacist tattoos, telling me I was lying about the purpose for my visit (when I was offering to show him my receipts and the pressure wrap on my arm where they drew blood) and insisted on going through my trunk, commenting on every single thing he saw. He was ranting about how I was lying because people from Canada go to the US for healthcare because their socialized medicine is terrible. My family has always been border people and Canadians often go to the US for different healthcare than Americans go to Canada for. That dude scared me and I'm white. I can't imagine how much worse it would be if I were a person of color or obviously queer. 😞 Need to be really desperate to get healthcare in Canada (like getting new EpiPens) to put up with the randomly awful experience of getting back into the US.
I had heard that Americans go to Canada for more affordable meds and Canadians come to the US for medical treatments because of long wait lists in Canada
@@greenmanatee6462 , it really depends. Obviously meds are always WAY cheaper in Canada. Where my family is from, people would go to SSM Ontario for surgeries or any higher tech medical procedures because we didn't have good options on our side of the border. Canadians would come to the UP for elective surgeries but would travel to the lower peninsula for treatment.
As I'm far closer to Sarnia & Windsor, I'll go there for meds. I won't go there for procedures *but* have gone there for diagnosis and treatment. I can access emergency, urgent & primary care here but got stuck waiting ten months to get into a specialist in my area that would accept my insurance. I went to a clinic in Sarnia and used telemedicine to access a doctor in Toronto. Blood draws/labs were about half the cost as in the US while seeing a specialist was 5-15% of the cost in the US.
The USA has the best healthcare in the world…IF you can afford it. That’s the key distinction. A lot of Canadians come to the USA to get timely care from top notch doctors, but those people have the means to pay massive costs. This is out if reach for most people.
Some of those canadians are actually sent to the US for care by their system. Along the border the canadian system has contracts with some hospitals.
FACTS
@@brookescanlon5888 Not really
@@brookescanlon5888Im not cheerleading the US healthcare system, just stating facts. If you’re rich and sick the USA is your best bet to save your life, for working class people like myself and most of you all, it’s a scary system to navigate.
Kick Jagged came to new york for his heart surgery
"How come the 'greatest country on Earth' can't get it together on healthcare?"
The financial gain of corporations...DUH! 😂😭
🥲
and congressmen make millions on insider trading and because of their huge amount of Wall Street investments the Medical industry is stable and a large part of their portfolio.
US MED: A broken arm will cost you as much as a new car . . . it's disgraceful.
At least until the post-pandemic stimulus and "inflation control act"... now a new car will cost you and arm AND a leg.
I broke my finger c. 1998. Fixed it with a popcicle stick and some duct tape. Around the same time, a woman who worked at a business zI patronized had broken her finger...went to the doctor...paid $1200...and HER finger healed crooked.....
@@ExaltedDuck Please people, do not buy trucks or SUV.....of course they cost a mint. Four months ago, I got a 2023 chevy malibu BRAND NEW for $20k. I had GM card credits to offset the tax and most of the dealer fee. I believe the Nissan Sentra is still $21k????? The important thing is to get where you are going. In fact, one of the few things we have absolutely ZERO decision making power is with medical care prices.
Buy good healthcare ins coverage.
@@dabprod Insurance is why we're in this mess in the first place . . . healthcare for profit will get us no where but homeless.
Some bottled water just comes from a tap .
Dasani admitted it
I'd say all of it comes from a tap. There is no mountain where these plastic companies get special water from.
In California, sales tax is only charged in the final sale to the end user. Unless you sell it on eBay. Then that person has to pay sales tax again 🤦🏻
They roll a sales tax into used car registrations too.
CA is hopeless.
HR is Humans AS Resources. You're absolutely right that it's100% about protecting the company from liability.
As an American with a preexisting condition I have made most life choices based on availability of health insurance coverage. Medical coverage in America is shameful.
Yes, HR is there to protect the employer. I’ve had basically the same experience with it as you Nicole. This is why it’s so important to have a hefty savings. Even if you don’t quit your job, at least you have the knowledge you have the choice to walk away. Too many people when they first begin working spend before they save.
💯 on all the points made in this video.
I just broke a rib and didn’t go in to have it checked out. I can’t afford to go in for something that I can treat at home. I am still paying off the ER visit that I had last April due to complications of Covid. I am close to having 1/2 paid off and this is AFTER my insurance coverage. I set up a payment plan so it wouldn’t go to collections and am now paying close to $400 a month USD. It sucks.
Well unless your rib punctured something, there is nothing they can do for your anyways. I will say if you're sick, it's better to be poor and on Medicaid. We just recently got off of it and wow is healthcare expensive with regular insurance.
@@EmmaRayne I got lucky and was on Medicaid when I had my youngest son. EVERYTHING was paid for. When I had my older son and was working full time I had to pay thousands of dollars after my insurance covered whatever they covered. It drained my savings and I still was paying things off for years afterwards.
Great insight, Nicole! I’m retired now but when I was working our HR Department was pure evil 👿 if you ever went and complained about anything they were on the phone 📞 to your supervisor, manager etc. before you got back to your desk, then came the retaliation, pure Hell!
I live in the USA and our health care system is a mess! Companies wait until you are in your 50s lay you off and you lose your insurance. Now who in the heck is going to hire someone at that age with health issues? I pay a fortune for my supplemental insurance plus a monthly drug plan that rarely covers a prescription, it’s crazy 😜
Our state started a Lottery that was supposed to be used to help College students, then all the Colleges and Universities just raised tuition! What a big lie.
One thing that sickens me about my sister is that she complained about how her bathroom needed repair while spending as much as $60 a day on lottery tickets.
You wouldn't have complained if she won big and gave you a chunk
No. I’m not over this series, like, not even a little bit. This topic is what actually made me subscribe, along with the other topics, but this one I don’t get tired of XD.
While you may only pay 30% of your income in taxes, you're paying sales, carbon, and other taxes along with much higher consumer prices on virtually everything. It's a myth that health care is free in Canada.
Just an anecdote on US healthcare. My daughter had a routine checkup 9 months after a major surgery. The Dr. got called away for an emergency just beforehand (perfectly fine) so we ended up just talking to a nurse for a few minutes which was also just fine since there were no complications to address. We get a bill for the standard insurance copay 3 months later and see that the insurance company was billed $650.00 for this visit. And the bill doesn't even say what the charge was for. And we just keep paying these things and no one is accountable for anything. It's madness.
If you include property taxes, US home owners pay close to 50% of their income on taxes.
That might be true for someone but that certainly isn't normal. Infact I would say that is completely wrong but I cannot be sure it is completely false. Never know. I mean I live off of half the money my family earn. But we also invest 35% and I promise you we do not spend 65k on taxes. Maybe all inclusive 25k in tax.
@@dreamleaf6784 In New York, my property tax alone is almost $30K on a small 1000 square foot home. New York is indeed far form normal. I gotta move soon.
@@EddieJazzFan If I had to pay that much, I would move also.
Don't forget the fees we pay for licenses, registrations, building permits, inspections, telecom taxes, sales taxes, etc. It adds up.
@EddieJazzFan lol? 30k....annually?
Wtf is the point of owning a home then? Did that price get adjusted recently? I'm guessing so since last 2 years the elites efforts to make sure no one can afford to own anything is accelerating and it's frightening.
I have friends in the USA who have to pay alot!! Im thankful we dont have to! 🇨🇦
Unfortunately in nova scotia, u don't get seen right away in the ER if u are really serious. We've had several people die in the ER, while even other patients have said that u have to see this person and they don't see them right away. We have so under staffed medical in NS that is is super concerning. :(
I really enjoy your videos 😊
Agreed! I'm in Nova Scotia, too.
@@joanfrederick9176 I'm not getting your rebuttal, I haven't heard anybody in this comment section complain about how much a doctor gets paid. What they are complaining about, if you listen, is how much they are billed for using these services. And not only how much they are billed but the level of quality they are getting. For Christ sakes if you're going to charge me for services thousands of dollars and take a significant amount of money out of my paycheck for at least make sure that you're providing the best bang for my buck. You're charging me a premium for an inferior product which is insane. Now if you want to tell me I'm wrong and we get superb healthcare that not one other first world country has then explain how.
@@joanfrederick9176 And don't forget several years of residency after med school!
You pay for it in other ways.
Yes, part 10. This is your strength… you “see” things that others don’t. You pay attention and think about things that others don’t. You notice things and with your great sense of logic, you present these things, facts, thoughts, or experiences that others let slide, or just don’t stop to think about. Essentially this is why your channel continues to grow. I only wish I had access to your channel 50 years ago. I can’t believe that this channel isn’t HUGE ! Go Nicole !!!
I love the ability to have a good intellectual discussion about ideas that might be in disagreement, without the need to refer to someone with an opposing opinion as a "Hillbilly from Missouri or something with 2 teeth and a 4th grade education". Makes me feel like that person actually wants to hear other ideas that aren't their own.
Yeah....now, about that Hillbilly with the missing teeth....
I like this channel a lot but definitely agree.
I live in Missouri and simply laughed it off however thinking about the diversity and intelligence of my neighbors, coworkers and family.
Completely slipped by me but I do agree. I like to believe Nicole is still quite young where edgy language is popular but kind pointers like this comment will help her thoughtfully decide how she wants to express herself in the future.
@@magicalspacegiraffe I kinda doubt it, but that's part of why I enjoy her videos heh
@@seltzermint5 Oh no I don't mean she'll comply with whatever is suggested whenever it suggested, but I think she's the type of person to give everything a good consideration. I think people learn more from that than blindly obliging. Feels real weird to talk about someone I don't actually know like a film character though, so I'll stop 😅
I hate to point this out. I hate taxes as much as the next guy, but where do you think that "FREE" Healthcare you have comes from?
I'm with you. I have to wonder if one factor causing higher healthcare costs in the US is malpractice insurance. (I certainly don't know). If our legal system more readily awards plaintiffs massive awards than in other countries, then malpractice insurance has to pay out more, and in turn has to charge more, and providers have to charge more, to cover their insurance premiums. It's a theory.
@@PeterLawton I think insurance distorts the price of everything. If your auto insurance covered oil changes and you never saw the price, the cost would skyrocket as there would be no economic incentive to be financially prudent.
Also, the microplastics in bottled water is something to be concerned about.
They are already in our blood streams, from water, food, air, synthetic clothes, and more.
@@bumblebee_mrs Truth.
I went to HR in response to a suspected retaliation from my boss and was told, "We dont tolerate retaliation, so im sure thats not what happened."
I was a manager of a large blue collar unionized workforce, a good relationship between management, worker and HR is essential. It is also not difficult to achieve, once you understand that staff see everything you do. What you experienced was bad management. All of the HR staff I have dealt with have been professionai, often holding back managers when the managers are wrong. The only thing I disliked about the HR managers were the 7 page- 30 node annual appraisals which were hell for staff and managers, when a one pager would do.
Regarding HR, our HR was completely baffled why working staff would not take up the company's pension plan- matching 5% RRSPs, so 10% of salary.. Only 20% took the company up on the plan to get the free money. Seminars, flyers, messages, one on ones could never move that figure much off the 20%.
Because....one foot in the door...being harassed....and one foot and 3 toes....heading out....
8:47 Hospitals use to be federally funded in the US, but greed made the politicians run the government like a corporation and profiteering became the norm, cutting costs by cutting programs, cutting funding, and keeping more tax revenue than they were spending.... Basically shrinkflation of an entire country. We pay more in taxes now than ever before with only a fraction of the services we use to get.
your talking out of your ass. run like a corperation 😂 would have went bankrupt 20 years ago😂. I hear great things at the VA hospitals. How much funding I call bs on everything you say.
also before FDR we never paid taxes
Tax rates are lower than they were in the 1990's most breaks went to the rich. Maybe because income is higher, taxes are higher.
@@BrianK-zz4fk federal income tax system we know as the current one created in 1913, twenty years before FDR went to the white house. I looked it up. So, before world war one.
@@philipdefrancisco7540 I only go by the percentage paid because all taxes are a percentage in the US... At one point in history, taxes were a flat tax that hit the poor the hardest and greatly advantaged the wealthy.
In the Netherlands the sales-tax is 21%. But as many commentators already said: the tax should only be applied once, on the end-product. If I buy things for my company, that will be used in the product-line, I can deduct already paid taxes.
Nicole thanks for being a consumer advocate for the uninformed/illinformed. Al of us should be made more aware of the content you speak of
This is on point r/t vice industries: "... people's bad situations, and they exploit it. They take somebody who's already down and kick them 20 more times because hey, when you kick them, sometimes money falls out ..." Money falls out.
It took so many complaints to HR about my old manager for her to get reprimanded. I moved to a different department to get away from her....
"you're not going to be left with a bill" in Canada for health care, but then you pay a fortune for many other things in your life to pay for it. Also, your kids, and your kids kids are paying $62 billion or more in debt interest each year. Canada is a ticking time bomb of debt and the health care system is just not that good.
The problem with medical costs in the US is politicians personally invest in the companies that make pharmaceuticals and medical care companies that dispense them.
My family members take a tote full of medicine daily. They use Medicare system.
I'm in the same age bracket and only take one. I fortunately have VA HEALTH coverage. A three month rescription for the one I take is $15. The two cancer surgeries last year cost me out of pocket $50 each, same as a clinic visit. Full care to remission was
What really irks me is the more recent trend of having to pay sales tax on used personal property. For example when you buy a used guitar on Reverb or anything on eBay, and it's not a new item from a retailer but just some other person trying to raise some cash. There's no sane or fair justification for charging GST/PST on those transactions!
Speaking of selling back water: I'm pretty sure Nestle has taken water from impoverished areas and sold back their bottled water to those people in those areas basically forcing them to buy their water
Yep, exactly what I heard too.
One correction.
In the US when a company buys components and materials that go into producing a product, from another company, there is no sales tax. Maybe different in Canada?
I'll always remember right when bottled water was really starting to become popular, this one time at Costco at their promotion booth the incentive for signing up for their credit card was literally just one bottle of water.
that is hilarious! I remember when signing up for a Target store card got you $5 back in the 90s. I didn't do it because I was just a teen but seems so funny now.
My cat has asthma and is on inhalers every day. I order them through a Canadian pharmacy for about $40 each. They’re about $250 each here in the US . It’s absolutely absurd.
I knew a lady early 00s who wanted a medication her doctor would not prescribe. From researching online she believed it would help her conceive a child she so badly wanted. Her US doctors wanted her to do IVF which she and her husband could not afford. She ordered the drugs from Canada without a prescription and she has 4 gorgeous kids now. I find that wild and absurd but it's true.
@@seltzermint5 I absolutely believe it. Good for her for taking control of her own health, and looking outside of the box we’re placed in. It’s criminal.
The average life expectancy in Canada is literally over 6 years longer than USA.
The thing is that you need to look closer: In the USA, the poor die young and the rich and connected get the best care in the world. How old was Kissinger? How many different kinds of cancer did the notorious RBG have?
In the USA, sales tax is only on the end product. As a manufacturer, I don't pay sales tax on raw materials or any other thing that I re-sell.
The sales tax is only asserted when I deliver to the end user.
In the place where I work, my colleague won 1 million. He left the company straight away after working for them for 20 years. It was shocking that someone you know won such a significant amount of money. But it happens very rarely.
Unfortunately my medical bills have put me so far in debt I would never get out of it
Sales tax is also regressive and impacts the poor more than the rich. Welcome to America!!
Doesn’t everything?!
@@AccordingtoNicole Far too many things do.
“Vice industries kick people when they’re down in the hopes that some money falls out” -> so well said!
I'm not an expert, but after viewing and analyzing this post from beginning to end, line by line, word by word, letter by letter, I came to the conclusion and I can say that I can't say anything because, as I said at the beginning, I'm not an expert.
To me HR was never presented as being helpful to the employees. Instead, labor unions were presented that way (also not always accurate, at all). I have worked in HR for small companies (
"onboarding, payroll and benefit management, nothing more" is what an HR department should be. That what "personnel" was. But most HR departments these days are branch of the legal department and are there to protect the company from liabilities presented by its 'human resources'
Human Resources is the resource a company uses to find another human after they fire you.
Exactly!!
You literally made me laugh from the truth!!!
Fabulous. There is so much we don't know about how things do or don't work. Keep 'em coming Nicole. We need you!!
Brilliant job with this series! Loved all 50 of your rants!!!
yeah, once I worked with a comapny and the HR told me herself that they will put all the mistakes on the new hr until she leaves, they do this because they hire people only for 3 months!!!
I'm 56 - and I've played lotto or some type of lottery game.. maybe 40-50 times in my whole adult life. Each time I've been flabbergasted that I haven't won. It's a way of suspending reality. And intelligence. And facts.
I sometimes feel the urge to buy lottery tickets when the jackpots get into the billions. FOMO or something. Then I remembered that I bought a few tickets when I was in my twenties and never even matched a single number. Money just thrown away.
Regarding sales tax,
It is an end-user tax. That said, business to business transactions do not involve sales tax. If lumber is being sold by a lumberyard to a guitar maker, HST would likely not be charged or collected since it would net-zero. The key to this is the HST# each business is required to have.
HST collected by vendors gets remitted to the government. HST paid by vendors can be claimed to offset the HST that gets remitted to the government.
So if lumber yard sold 1000$ worth of lumber to Matt’s guitar factor and charged HST on the sale, they’d collect 130$ to send to the government. Then Matt’s guitar factory would claim that 130$ HST on their HST return.
So the government would take the HST collected from lumber yard, and send it to guitar factory in the form of a refund.
Hi Nicole, thank you very much for all the 10 parts of scams series. I love them all and I agree with you on every single one of them. I look forward to more whenever they will come. Wishing you all the best 😇😍🌸
In the USA the government spends so much money on the military. No other country spends anywhere close to what we spend. It’s ridiculous
I was 0844 fdc artillery marine corps 2004-2008.
I had to do an inventory list with pricing on a bunch of stuff we got recently, all stuff he and our C.O said we didn't need or ask for and would never be used. The total.sum of this inventory was 1.4 million. This is just 1 battery of many in 1 small part of camp Lejeune. I couldn't believe how much waste they got
In Michigan, only the final intended buyer pays the sales tax, not everyone throughout the supply line. This means nothing for agricultural us (not home gardening) is taxed. Non profit organizations (including all churches) aren't taxed either. Same with all levels of governments including government-run organizations like schools and community parks & recreation programs.
same in Canada, she is wrong on taxes piling on taxes. Regarding tax exempt status, only treaty Indigenous have tax exempt cards, other charities and churches pay the sales taxes then claim a refund at a later date.
@@rb239rtr , your system of paying the sales tax and then seeking government reimbursement seems much easier than each vendor needing to collect the tax ID number from each reseller/nonprofit for every tax-exempt sale along the way to provide in the event of an audit. So much simpler!
I use to make candles buying supplies wholesale or retail with a sales tax license for my business, so tax free . Then the end product the candle was taxed to the consumer. You just have to have a sales tax number on file with the business you are buying from, this is in the states.
When I got out of college in Michigan in the late 70's, the lottery was actually fun. The top prize was $1 million and there were a large number of low-level prizes - you could frequently win $20 and you would always here about a friend to won $100 or $500. It is the "mega millions" that ruined it.
Yeap the richest country can't give their people free healthcare. I pay almost $1k a month with a family of four.
that's honestly pretty low in the US. My workplace covers 80% for me and my husband but as a healthy couple in our 40s with no kids it's around $1700, $2k per month if including denal insurance, before my company kicks in. And the craziest part to me is if I didn't have that job we couldn't even get coverage on our own for much less.
Making fun of some dude in middle America who takes issue with paying more taxes is peak Canadian arrogance.
Regarding sales tax, that is typically only charged at the retail level. You have to have a resellers license number in order to purchase goods/supplies without paying sales tax (wholesale price).
Some years ago, several co-workers and I -- all decently paid by a large corporation -- put pen and paper to how much we actually paid in taxes after deductions (mortage interest being the big one). Most of us were surprised to see that only 17-19% of our income went to federal taxes. Different story if you live in a state tax state. My anecdotal HR story (which most seem to be) is that my HR rep sat on my side of the table and acted like my lawyer when my boss tried to do me wrong. Ensuring that a company doesn't get sued can work quite well for the non-management employee.
Who in this day in age still believes HR works to help the employees? I thought it had been stablished a long time ago that they are only there to cover the company's ass.
I agree. Even late 90s I only believed they could truly help employees when a very serious offense was committed like harassment or a big time safety violation.
@@seltzermint5 And only if several people complained about the same thing.
Healthcare in the U.S. YES!!! I have no idea how people can't want government Healthcare, but those SAME people are happy when they can get Medicare. Um. Hello? At one point we were paying 1,350 per month for health insurance. I needed a procedure and had to pay $7,500 to my deductible BEFORE our insurance covered their 80%.
Human Resources. YES! A friend of mine just posted a quote that said to remember that H.R. is there to protect the company, NOT YOU.
Water. YES! We just use a water filter. About your park analogy. WAIT FOR IT... In NJ they CHARGE admission to get on the beach!!!!!
Lottery. YES! I never do it. I rather invest my $1 like you said!!!
Congrats on 50k!!!!
Canada's helath system costs $6,800 USD per man woman and child. Medicare and Medicaid in the USA costs every man woman and child $5100 USD per year. So while you are working, not only do you need to pay for your insurance, you also have to pay for the Medicare and Medicaid too
I cant believe anyone would want the government run their healthcare. Just think about it from covid. No healthcare for you unless you take our experimental drugs😮. They also cant balance a budget and waste so much money, doubt it would be cheaper look at obamacare. My friends premiums went up 300% and my company went high deductible. I can go into medicare as they stiff the hospitals raising prices for everyone else. USA is individual not socialist and personally I dont want to pay more because someone smokes 2 packs a day and eats 10 boxes of ding dongs a day.
@@rb239rtrI thought the cost of Healthcare was taken from your taxes in Canada?
I agree about scam of water. It is no better than tap water and sometimes worse. However, the argument of 'selling nature' - not so sure. We cannot live without food but we have to buy it.
In many jurisdictions, tap water as provided by local councils or water supply boards, actually has to meet HIGHER quality specifications, than water sold in bottles. But some folks just like to pay for the bottles, go figure !
1000% agree with you about HR departments!
Out of all the videos you've made, so far, this one hit home the most. It's truly a disgusting society we live in these days.
I used to work with this guy who always had to rush last minute to get to the store to buy his lotto 649 tickets……which he’d been playing the exact same numbers for over 20 years.
We always made fun of him, but goddamn….he actually won 15 million bucks 😅
He must have had lucky numbers 😸
I love happy endings!
I know of someone who won big on the lottery and is actually doing well.
ill gotten Gains not good for the soul's outcome
@@carlmorgan8452 How on earth is the common lottery ill gotten gains? It is not harmful to anyone except maybe problem gamblers but that is not the lottery's fault.
The lottery is essentially people pooling their money together in the hope that someone might win big and the lottery has positively changed many sensible lives.
Well, I live in Quebec, and we are tax 19% Quebec, 17% Canada... 36% for a 55k salary (average here), not 25%!
True but we get more services such as subsidized daycare ( if you are lucky to get a spot) and cheaper post secondary education.
The points about US healthcare are spot on. But regarding Canadian healthcare, things are oversimplified or whitewashed.
In Canadian healthcare, a lot of things are not covered, especially vision and dental (same in US to some extent). Wait times in clinics and hospitals have increased tremendously. The whole bureaucratic system of assigning a GP, who can then refer you to a specialist, is restricting and suffocating.
Many tests and procedures have long wait times, and treatment dates are months ahead in the future, which can prove detrimental for time sensitive treatments like cancer and Autism.
Can someone explain why Canadians are going to US and other countries for treatments in spite of Universal Free Heathcare? And why is MAID a thing there?
Loved your scam series❤️
If your healthcare in Canada is so great, why do I keep hearing about Canadians coming across the border and having the operation or treatment in the US and paying for it on their VISA card.....? Am told the wait time in Canada for certain medical treatments is sometimes over a year. And somebody else, not the patient, decides which procedures you get. I live in up-state NY and we hear this quite often from medical staff locally. Here we have Medicaid for the poor, destitute, down-and-out people. If you are one of these, you file for Medicaid, and everything is paid for. That's our safety net. Not perfect, but neither is yours.
Canadian healthcare is an underfunded but good system. Very few needy people fall through the cracks. COVID has messed it up, but COVID has messed up every system.
IN Canada, the only people involved in your healthcare is you and your doctor. For 99.99% of the cases, this is true. THere is no financial clerk at an insurance company talking to your doctor. There is no loss prevention section at the goverment bureau finding ways to deny healthcare or boot you from the system. The only death panels are with the insurance companies in the USA. FOr the outlyers where specialty drugs are required, they are in a bit of trouble, the goverrnment does not approve every drug invented and the government is not prepared to spend a fortune on new drugs. Here the greed of the pharmas comes to play, these pharmas often supply these specialty drugs for free to get into the Canadian system. Even then, the government will not approve the drug unless it is affordable and effective, so Canada ends up paying a fraction of the USA drug cost.
THere is virtually no wait time for Canadians who need medically necessary treatment, whether it is cancer, gunshot, car accident or heart surgery. THere is a wait time for less acute care, and COVID has messed that up badly, a year of backlog on patients. Hip and knee replacements are a problem,
Attached is a link to some data, approximately 2% of Canadians patients (not population) seek healthcare in USA, this figure includes Canadians who cross the border just for healthcare, as well as tourists and snowbirds injured or ill in the USA. For heart surgery, it is 0.7% of patients, likley many are old snowbirds down wouth. There are around 40,000 heart surgeries a year in Canada, so 280 surgeries performed in the USA. There are about 230,000 cancer diagnoses per year, about 6200 are treated in the USA. Most of this figure are Canadians sent south by Canadian Hospitals that do not have the specialty required, or the capacity to do the work.
www.statista.com/statistics/654694/patients-receiving-treatment-outside-canada/
As a Canadian, I do not know of a single canadian that wants a privatised system like USA. But we all want it to be better.
Maybe you keep hearing this for the same reason we hear about Florida telling its citizens that they can buy their drugs from Canada now, because they are much less expensive in Canada. lol!
Viva trek is Canadian and count get help for his infection.
Viva frei
@@user-jr9fk9rp3v Do whatever is best for you. Look out for yourself, make your own decisions. You are the only one with your best interest at heart. So, what's the reason you hear about Florida?
Sales tax = compound interest
My thoughts exactly
Hi there, I am sure there are lots more scams that are worth covering! Really enjoy your series and would be very happy to see more of that kind of content. Happy Sunday!
Insurance. Forced to give a company a large amount of money "just in case," but if that never happens, then you'll not receive a single penny that you've paid.
The worst thing is that if you do need to make a claim, you will have to fight (maybe even sue) the insurance company for it, even if the claim is less than you've paid in so far.
The lottery is a tax on people who are bad at math.
It is definitely a scam. Great video. 👍