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Re:Helsinki Relocation Package: City as a Service by Devils-Avocado on Thursday November 05, 2020 @10:03PM (#25004472)
In Europe those services pay for a huge welfare and pension system, and healthcare which is mostly used by the elderly. Very little benefit will be received by a working-age expat.
Re:Helsinki Relocation Package: City as a Service by Mediterraneo10 on Thursday November 05, 2020 @10:37PM (#25004634)
> In Europe those services pay for ... healthcare which is mostly used by the elderly.

Finnish public healthcare encompasses things like regular dental visits that people of every age use.

Also, those high taxes pay for world-class public libraries and child daycare which the broad public use, even expats in the IT sectors.

Re:Helsinki Relocation Package: City as a Service by eru on Thursday November 05, 2020 @11:07PM (#25004797)
Private dental visits shouldn't cost you more than a few hundred quid per year on average. (In a sane country.)

So they would only justify perhaps about 0.1% higher taxes?

Re:Helsinki Relocation Package: City as a Service by astura on Friday November 06, 2020 @12:19AM (#25005133)
For just routine cleanings, sure. If you need work done it can get real expensive.
Re:Helsinki Relocation Package: City as a Service by disabled on Friday November 06, 2020 @12:44AM (#25005253)
Worst case scenario, you go abroad within the EU for that, and pay out of pocket. You just make sure to vet out the dentists well. Italians often go to Croatia for dental care. But, Poland has good cheap dental care too.
Re:Helsinki Relocation Package: City as a Service by eru on Friday November 06, 2020 @04:05AM (#25006189)
Hence me saying 'on average'. In a sane country, you can use insurance to convert variable payments into average payments (plus a bit of overhead).

Or, you just self-insure for dental, if you make a reasonable amount of money or have some savings.

(It's much more feasible for dental where the realistic maximum amounts are still quite small, compared to cancer treatment or similar.)

Re:Helsinki Relocation Package: City as a Service by herbstein on Friday November 06, 2020 @04:42AM (#25006381)
> In a sane country, you can use insurance to convert variable payments into average payments

Consider tax paid healthcare to be a public insurance plan that doesn't need to skim billion dollar profits from their "customers" then.

Re:Helsinki Relocation Package: City as a Service by eru on Friday November 06, 2020 @06:43AM (#25006938)
Health insurers profits are a small fraction of overall healthcare spending.

In general, I'd prefer services with competition and that you can opt out of.

Having said that, Singapore's system works fairly well in practice. But it's not at all like eg the NHS.

Re:Helsinki Relocation Package: City as a Service by rtkwe on Thursday November 05, 2020 @10:31PM (#25004597)
It’s not strictly about getting more out of the system than you particularly put in. On top of that no one knows if their the average or the one who’s going to need expensive life saving intervention. It levels out some of the randomness of the world for everyone, it largely removes one of the big causes of bankruptcy in the US which is medical debt.
Re:Helsinki Relocation Package: City as a Service by purerandomness on Thursday November 05, 2020 @10:15PM (#25004535)
As a working-age expat, you might still have an ambulance called after an accident or a drug overdose after partying, having cancer surgery, a flu shot, a pregnancy or an IVF, all for free.
Re:Helsinki Relocation Package: City as a Service by emteycz on Thursday November 05, 2020 @10:47PM (#25004692)
They have ambulances in the US too. Also, isn't Finland a country where you pay health insurance? If that is free, a lot of things in the US suddenly are free as well.
Re:Helsinki Relocation Package: City as a Service by purerandomness on Thursday November 05, 2020 @10:56PM (#25004742)
> They have ambulances in the US too.

We were talking about costs. In the US, calling an ambulance is not guaranteed to be free.

OP claimed that as a young, healthy expat, you don't benefit from a system where your tax payments finance health care.

I showed examples where a young, healthy expat directy benefits from this system, by having medical emergencies that would potentially bankrupt you in the US.

Not sure I followed your point here.

Re:Helsinki Relocation Package: City as a Service by Mediterraneo10 on Thursday November 05, 2020 @11:18PM (#25004846)
> Also, isn't Finland a country where you pay health insurance?

Not really. You pay income taxes in general, and some portion of that funds the public healthcare system, but healthcare isn’t something you ever have to think about in particular.

Re:Helsinki Relocation Package: City as a Service by seanmcdirmid on Thursday November 05, 2020 @11:19PM (#25004855)
You don’t have to pay to use most roads in the USA, on a usage basis at least. The use of the word free but not really isn’t foreign to Americans.
Re:Helsinki Relocation Package: City as a Service by whitexn--g28h on Friday November 06, 2020 @01:39AM (#25005504)
You absolutely pay for roads on a usage basis [1] unless you drive an electric car.

1. https://en.wikipedia.org/wiki/Fuel_taxes_in_the_United_State...

Re:Helsinki Relocation Package: City as a Service by ejolto on Friday November 06, 2020 @07:23AM (#25007115)
That's not paying for roads, that's paying for fuel. You would be paying those fuel taxes even if you were only driving on your own private roads.
Re:Helsinki Relocation Package: City as a Service by seanmcdirmid on Saturday November 07, 2020 @06:35PM (#25020906)
The gas tax hasn’t covered the cost of road maintenance since the 80s.
Re:Helsinki Relocation Package: City as a Service by sellyme on Thursday November 05, 2020 @10:44PM (#25004680)
It also pays for education, and you don't need to look at the US for long to see why it's worth investing in having literate citizens.
Re:Helsinki Relocation Package: City as a Service by indecisive_user on Thursday November 05, 2020 @11:55PM (#25005026)
Is this supposed to be an insult to the US? The literacy rate is 99%, and a higher % of the population has a tertiary education than finland, so I'm not sure what point you're trying to make.

https://en.m.wikipedia.org/wiki/List_of_countries_by_tertiar...

Re:Helsinki Relocation Package: City as a Service by sellyme on Friday November 06, 2020 @01:20AM (#25005418)
>Is this supposed to be an insult to the US?

Yes, but it's one I hope I'll one day no longer be able to use.

> The literacy rate is 99%

So, there's a decent chance you Googled "US literacy rate" and copy-pasted it from there. I would recommend clicking the actual article and reading through it, because Google's quote is... not exactly representative of what's contained within.

If you didn't do that, you're probably citing this from the World Factbook, who use a definition of literacy broadly encapsulated by "is capable of reading". By that definition, if you can look at some words and then say them out loud, you're literate. Useful for developing countries or historical contexts, but not exactly meaningful in a modern society with many resources.

These days most literacy studies look at actually understanding content, and being able to reason about it. This typically includes some level of numerical literacy (not necessarily mathematics, but e.g., being able to understand the difference between a million and a billion), as well as things identifying internally contradictory statements. By those standards, the United States does abysmally.

It's worth noting here that the U.S. does disproportionately suffer in some studies that look specifically at literacy in a small number of official languages (English for the U.S., occasionally also including Spanish), rather than counting literacy in any language as sufficient. My comments here are in regards to the latter.

> and a higher % of the population has a tertiary education than finland

The people who choose to go to tertiary education in the United States (or indeed any other country) are not usually the people in desperate need of better education. The problem is predominantly in insufficient primary and secondary schooling, combined with a cultural attitude of anti-intellectualism that leads to many people thinking they never need to learn a thing once they exit the school system.

Not a uniquely American phenomenon (Michael Gove's "the people have had enough of experts" quote being a particularly flagrant European example), but one that's uncomfortably persistent there. For example, it takes a very unintelligent person to be in the middle of a global pandemic, yet think that the opinion of a reality TV host is more important than the professional advice of a doctor. Those people exist everywhere, but they exist in astonishing concentrations in the United States.

> I'm not sure what point you're trying to make.

My point is that, as someone who lives in neither North America or Europe, if I had to pick a random adult citizen from the population of either the United States or Finland to make a rational decision for me, I'm picking Finland.

Re:Helsinki Relocation Package: City as a Service by zurn on Friday November 06, 2020 @03:32AM (#25006033)
If you look closer at the list, the difference in completed tertiary degrees (against many other countries too) comes from the youngest age bracket. It's probably because in the US people tend to have short university educations that they complete young and move more quickly to industry.
Re:Helsinki Relocation Package: City as a Service by refurb on Friday November 06, 2020 @06:27AM (#25006856)
I hate to see intellectually lazy comments like this on HN.

It could have been phrased in a much more engaging tone rather than an attempt to "score points".

Re:Helsinki Relocation Package: City as a Service by sellyme on Friday November 06, 2020 @09:31AM (#25007804)
I'm Australian, I have no interest in scoring points for Finland. It's an honest representation of the differences in how those two countries are seen by an international audience.
Re:Helsinki Relocation Package: City as a Service by refurb on Friday November 06, 2020 @09:44AM (#25007898)
It came across as very lazy and cynical.
Re:Helsinki Relocation Package: City as a Service by Teever on Thursday November 05, 2020 @10:06PM (#25004485)
That's a great generalization about the entire continent of Europe but do you have any specific issues with how taxes in Finland are used?
Re:Helsinki Relocation Package: City as a Service by fulafel on Friday November 06, 2020 @01:16AM (#25005388)
In the big picture welfare pays for a society with decreased social strife. For a working age expat this means not having to harden yourself and your family against homeless people on the streets, be afraid of getting mugged, and having educated & skilled coworkers because free education doesn't waste the potential of the economically disadvantaged.
Re:Helsinki Relocation Package: City as a Service by jen20 on Thursday November 05, 2020 @11:39PM (#25004956)
> Very little benefit will be received by a working-age expat.

Speak for yourself: I've never paid a penny for healthcare in the UK, besides an effective tax rate lower than I now pay in the US and the occasional prescription charge where an OTC version of the relevant medicine was not available at lower cost.

Re:Helsinki Relocation Package: City as a Service by spicyramen on Thursday November 05, 2020 @11:03PM (#25004776)
Agree, as a Bay Area SWE, health-care is not a problem as many companies give you very good insurance, HSA, dental and vision for free or with family (wife + 1 kid) 1K per month.
Re:Helsinki Relocation Package: City as a Service by crooked-v on Thursday November 05, 2020 @11:38PM (#25004951)
'Bay Area SWE' is an outlier even for the tech industry.
Re:Helsinki Relocation Package: City as a Service by kaitai on Thursday November 05, 2020 @11:42PM (#25004970)
1K per month = not a problem! hahahahaha!

Ok, for a (male or lesbian, since you specify 'wife') Bay Area SWE, you're right. But do look at that election map and notice the scores of people living in the rest of the US, in large part voting against their own health-care interests but still. In Missouri the median income is around $55k. Putting $12k of that into health insurance (not health care, but insurance) is pretty hefty.

Re:Helsinki Relocation Package: City as a Service by martinald on Friday November 06, 2020 @12:03AM (#25005056)
You do realise that $55k even with $12k insurance taken off ($43k "effective' median) is higher than any EU state, apart from maybe Luxembourg. And taxes will be significantly higher in EU states than MI (even if you are paying healthcare privately), which will further tilt it?
Re:Helsinki Relocation Package: City as a Service by distances on Friday November 06, 2020 @04:14AM (#25006241)
But the US citizen will have to save for retirement and kids' potential university education out of the remaining part, correct?

For such a middle class person Europe is likely to be better / more stable economically. Single software engineer will surely have it financially much better in the US though.

Re:Helsinki Relocation Package: City as a Service by mattigames on Thursday November 05, 2020 @11:11PM (#25004816)
Yeah, as an expat I would love living next to an elderly dying because he can't afford treatment and is waiting his gofundme to work out, I also would love being 5 times more likely to be a robbery victim[0] thanks to lack of social welfare and social support for people in economic struggles, I would also love to have at least a few more veterans begging for money in the streets, and don't get me started on how much I would love to live with a poorly-funded educated system that raises people that end up becoming anti-vaxxers, flat-earthers among many other colorful irrational believes.

[0] https://www.nationmaster.com/country-info/stats/Crime/Robber...

Re:Helsinki Relocation Package: City as a Service by refurb on Friday November 06, 2020 @02:48AM (#25005852)
elderly dying because he can't afford treatment

The US has universal Medical coverage for the elderly.

Re:Helsinki Relocation Package: City as a Service by mattigames on Monday November 09, 2020 @11:28PM (#25042809)
Sure, that's great, now we just need the same for the rest: https://i.imgur.com/qRWoLg3.jpg