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Cake day: June 25th, 2023

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  • bitflag@lemmy.worldOPMtoNeoFrance@lemmy.worldEn finir avec les "99%"
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    6 days ago

    La question est plutôt : est-ce qu’il est normal que le taux d’imposition global (IR, TVA, CSG, etc…) s’effondre complètement pour les personnes qui font parties des 1% ?

    Ben non justement, il s’effondre pas pour le top 1% (voir page 6). Pour voir un début de régressivité fiscale faut débuter aux 0,1% voire 0,01%. Et encore, uniquement si on regarde le “revenu économique” qui mélange entreprise et revenus personnels, et qu’on considère que cotiser pour sa retraite est un “impôt” et pas une forme d’épargne forcée (puisque ça sera récupéré plus tard sous forme de rente)

    Ce que l’auteur dit c’est que la “cible” du top 1% est mauvaise, c’est essentiellement le même groupe socio-économique que le top 10%. Comme il le dit, y’a plus d’écart entre Arnault et Bolloré qu’entre le top 1% et le top 10%.
















  • Let me give you an overly simplified example. You are in a property market where rental yield is 3% (happens in some cities)

    You could put a million dollar into buying a house and save $30k in rent every year

    or

    You could rent a million dollar house for $30k, and invest your million dollar in the market at 7%, returning $70k per year

    Obviously this gets more complicated with mortgages, taxes, maintenance, interest rates, etc. but the gist of it is that owning your home always comes with an opportunity cost, every dollar of house equity is a dollar that isn’t invested somewhere else. Depending on circumstances, renting might be the most economical choice.



  • What you forget is the cost of opportunity: the money that is stuck in a house is money that would yield income if it was invested somewhere else. Long term stock markets typically return 7%+, while rental return (or the rent you save by buying) can be anywhere from 3 to 7% depending on market, minus maintenance and other holding costs.

    So there’s no fast and hard guarantee that owning or renting is best - you need to run a proper simulation with the right parametres taking everything into account. In markets with low rental returns, renting is typically optimal.







  • but when you were shown to be wrong about your 30%

    You showed nothing. Both the US and Europe mostly rely on making the employer pay, though in Europe it’s typically mandatory and sent to a national system rather than the employer deciding by itself (or not) to pay for a private insurer for varying level of coverage. So there’s just no way the US employers pay 300% more for a system which is “only” 50% more costly.

    (also co-pays are fairly standard everywhere in Europe, to avoid abuses)

    So that’s my best guess at your motivation, but please correct me. Why?

    My motivation is fighting misinformation. Just because the misinformation comes from the side you support doesn’t mean you should ignore it. In this case someone just made up shock numbers to get engagement and clicks, and that’s not how you support a sound health care policy.


  • US GDP is much higher than most (all?) European nations.

    And as you accurately pointed out, US population is also higher, and have different costs of living. Which is why we compare countries in % of GDP and not in raw dollars spent nationwide, which would make no sense at all.

    The US also has a massive population, which means a much larger insurance pool, which means the risk is spread out over a much larger swathe of people (and ethnicities, lifestyles, etc.).

    Doesn’t make any difference when you go over a few million people (or possibly much less)

    So I’m not going to say this pic is accurate, as I have no actual numbers on this

    Well I do, and this pic is clearly bullshit.

    Just because you like the message doesn’t mean you aren’t allowed to point out obvious lies.


  • The point is that the USA relies primarily on employers paying for the insurance (through a pay cut) whereas in the EU it is generally subsidised with taxes.

    This is a huge misconception. In the EU it’s also funded by the employers, the difference is that it’s usually mandatory (a tax taken out of the paycheck at the employer level) and also typically goes into a governement-run insurance system (ie the British NHS or the French sécu).

    Ultimately it’s always people who pay for health care, because companies are just legal entities. The difference is how it’s organized and how much it cost.


  • It’s a meme, it’s not meant to be accurate

    That’s what every boomer on FB propagating fake news about immigrants eating pets also say. Just because it’s a picture means outright lying is okay. (and if it was lying in the other political direction, you’d likely be the first calling bullshit)

    Why you our here shilling for big business pal?

    Ah yes because everyone who isn’t into lying is “shilling for big business”? Life must be simple in your head. Maybe some people think the truth matters more then coddling their feeling?