×

Loading...
Ad by
  • 予人玫瑰,手有余香:加拿大新天地工作移民诚聘求职顾问&行业导师!
Ad by
  • 予人玫瑰,手有余香:加拿大新天地工作移民诚聘求职顾问&行业导师!

@BC

加拿大国庆节特别报道: macleans 杂志的几组比较加拿大和美国的数据, 结论是we are wealthier and healthier, we work less and live longer, and we're way more, um, romantic. 题目是:how canada stole the american dream.

本文发表在 rolia.net 枫下论坛To be an American is to be the best. Every American believes this. Their sports champions are not U.S. champions, they're world champions. Their corporations aren't the largest in the States, they're the largest on the planet. Their armies don't defend just America, they defend freedom.

Like the perpetual little brother, Canadians have always lived in the shadow of our American neighbours. We mock them for their uncultured ways, their brash talk and their insularity, but it's always been the thin laughter of the insecure. After all, says University of Lethbridge sociologist Reginald Bibby, a leading tracker of social trends, "Americans grow up with the sincere belief that their nation is a nation that is unique and special, literally called by something greater to be blessed and to be a blessing to people around the globe." Canadians can't compete with that.

Continued Below

But it turns out that while they've been out conquering the world, here in Canada we've been quietly working away at building better lives. While they've been pursuing happiness, we've been achieving it.

How do we know? You just have to look at the numbers. For our Canada Day special issue this year, Maclean's compared Canadians and Americans in every facet of our lives. We scoured census reports, polls, surveys, scientific studies, policy papers and consumer databases. We looked at who lives longer, who works more, who spends more time with friends, who travels more and who has more sex. We even found out who eats more vegetables. After digging through the data, here's what we found: the staid, underpaid Canadian is dead. Believe it or not, we now have more wealth than Americans, even though we work shorter hours. We drink more often, but we

live longer and have fewer diseases. We have more sex, more sex partners and we're more adventurous in bed, but we have fewer teen pregnancies and fewer sexually transmitted diseases. We spend more time with family and friends, and more time exploring the world. Even in crime we come out ahead: we're just as prone to break the law, but when we do it, we don't get shot. Most of the time, we don't even go to jail.

The data shows that it's the Canadians who are living it up, while Americans toil away, working longer hours to pay their mounting bills.

The wealth numbers, in particular, are shocking. As of 2005, the median family in Canada was worth US$122,600, according to Statistics Canada, while the U.S. Federal Reserve pegged the median American family at US$93,100 in 2004. Those figures, the most recent available, already include an adjustment for our higher prices, and thanks to the rising loonie Canadians are likely even further ahead today. We're ahead mainly because Americans carry far more debt than we do, and it means that the median Canadian family is a full 30 per cent wealthier than the median American family. "The fact that we're now richer is a big reversal," says Jack Mintz, former president of the C.D. Howe Institute and the current Palmer Chair in public policy at the University of Calgary. "It's a huge change in the way we view the world."

Mintz points out that it wasn't all that long ago that we were much poorer than the Americans. Just think back to the 1980s when our dollar was worth 69 American cents, inflation was raging, our real wages were dropping and our productivity was . . . well it was just embarrassing. "From 1987 to 1997 in particular, we had terrible economic growth," says Mintz. "By the time we reached 1999, we were way behind the U.S. in per capita incomes and everything else." Back then, he notes, the newspapers were packed with dire warnings of brain drain. Canadian incomes were so low compared to Americans, our best and brightest were fleeing the country.

Today, it's the reverse, and families such as Eric Nay, his wife, Polly, and their son are moving the other way. Nay, who's 41 and now works as associate dean at the Ontario College of Art & Design in Toronto, says he packed his bags and left his home in tony Monterey, Calif., for a new life in Canada two years ago. And get this: he did it for a bigger paycheque. "The academic salaries here are much higher," he says. "When I was working as an assistant professor in California, I was making $55,000, but in Canada, that magically becomes $70,000."

How did this happen? Canada often comes out ahead when you look at squishy things like quality of life. But since when were we richer? Mintz credits the rising loonie, the boom in commodities, and better public policy. He says that over the past decade productivity growth in the U.S. has slowed, while we've been hacking away at our government debt and lowering taxes. In short, as a nation, we've been doing everything right, while the U.S. has been doing everything wrong.

When you look at how individual Canadian and American families make and spend their money, it gets even more interesting. The numbers show that our median household incomes are about the same, or at least they were back in 2005 when the most recent figures came out. That year the median household income in Canada was about US$44,300, after you adjust it for the exchange rate and our lower purchasing power, while the American median was US$46,300. Since then, the loonie has gained on the U.S. dollar, so we've likely narrowed the gap. But while our incomes may be similar to American incomes, we're still much wealthier because we have less debt. What you make isn't a good measure of how rich you are — to figure out your true wealth you should add up everything you have and subtract what you owe. And Americans owe more. A lot more. Here in Canada the average amount of personal debt per person is US$23,460. In the U.S. it's a whopping US$40,250. And all those numbers are from 2005, just before their housing market slipped into a sinkhole. If you looked at the numbers now, you'd find that Americans are even further behind, because their largest asset — their home — is worth less. "There has been a lot of destruction of wealth in the U.S. over the past few years," says Mintz, "and that would affect the net worth figures significantly. I would suspect that they would be even worse off today."

Continued Below
<A TARGET="_blank" HREF="http://ad.doubleclick.net/click%3Bh=v8/36ef/3/0/%2a/d%3B163518125%3B0-0%3B0%3B15313606%3B4307-300/250%3B19964724/19982618/1%3B%3B%7Esscs%3D%3fhttp://www.invis.ca"><IMG SRC="http://m1.2mdn.net/1384003/Invis_BigBox_Final.gif" BORDER=0></A>

Certainly Canadians who venture down to live in the U.S. say there's a huge difference in how the two countries approach spending and debt. Gerry Van Boven grew up in southern Ontario but moved to the U.S. in 1985. Now he's 57 and living in Fort Lauderdale, Fla. He says his American friends seem genuinely puzzled by his reluctance to load on huge piles of debt so he can buy a big luxury car and a monster home. "Most of the people that I know who were born and raised here are a lot farther in hock than I am, and they think that's quite normal," he says. "They're like, 'Can't afford it? I'll just put it on plastic.' Whereas I was brought up to believe that if you can't afford to buy it in cash, you can't afford it."

The numbers confirm that Americans like to spend big. They have bigger homes than we do, averaging about 2,500 sq. feet, compared to only 2,000 sq. feet in Canada. They spend about 34 per cent of their annual household expenditure on their homes, compared to just 19 per cent here. They also love big cars. In the U.S., luxury cars and SUVs make up 21 per cent of the market, whereas in Canada, they make up only 11 per cent. The most popular model overall in the U.S. is the more upscale Toyota Camry, whereas we prefer the basic Honda Civic. "They like the big SUVs here especially," says Van Boven, "or at least they did. A good friend of mine went out and bought one of those big GMC Yukons a while back, but now gas is at $4 a gallon. I saw him the other day and asked when he was going to get rid of it. 'I can't,' he said. 'I don't own it yet.' "

Bibby, the sociologist, says the great American debt load is a direct result of their relentless quest for the best. "American culture is more consumer-oriented due to a more intense and more vigorous marketplace," he says. "My sense is that more dollars are spent per capita on advertising, for example. Little wonder then that per capita debt is considerably higher in the U.S. than in Canada. It is largely a function of the aggressive and successful marketing efforts of American companies." Health care, too, is helping to keep Americans in a state of owe, and for all the same reasons. In the U.S., as long as you have a good insurance plan, you have access to the best health care in the world. MRI machines are available on an hour's notice, there's plenty of staff, and the specialists are the finest there are. But all of that comes at a cost, says Van Boven, and every American feels it. "The absolute biggest difference, financially, that I noticed was the cost of health insurance," he says. "When my wife got laid off, we found out that you could keep the insurance you got through work for a while as long as you paid for it. But it cost $5,000 a year, and that was back in 1986. We couldn't afford that. So since then I've had no health insurance." Eric Nay, who moved to Toronto from California, says that even Americans with good insurance feel the pinch. "When I taught for the state of California, I had the best health coverage on the planet," he reports. "But when my son was born — and it was totally by the book, no complications — my insurance only covered the first $10,000 of the hospital costs. The remaining $8,000 came out of my pocket. And that's with full coverage."

Meanwhile in Canada, not only are we wealthier, but we don't even have to work as hard to make that wealth. In 2004, the average Canadian worker put in 35 hours of work per week, while our American counterparts put in 38. Only 30 per cent of Canadians work 45 hours a week or more, compared to 38 per cent of Americans. We also get — and take — much more vacation time. Employed adults in Canada get about 17 vacation days a year, and we take 16 of those days, leaving just one on the table. In the U.S., they get 14 days of vacation, but they only take 11, making them the world leader in yet another category: the working drudge.

Because we have more time off, Canadians tend to have a lot more fun. We spend more time with friends than Americans do, and we're much more likely to have a sit-down dinner with the family at home each night. We also tend to drink alcohol more often, with 27 per cent of us having a drink at least a few times a week, compared to 19 per cent of Americans. Nay says that our richer social lives were one of the biggest differences he noticed when he moved to Toronto. "It was only in Canada that I found myself going to the pub with friends and colleagues," he says. "I spend more time in pubs here than I have in any other place that I've lived. It's partly the culture, and partly because the quality of beer is fantastic."

Christian Lander is another Canadian living among Americans. He grew up in Toronto, but the 29-year-old moved to Los Angeles 2½ years ago where he runs the popular Stuff White People Like website, and he's publishing a book under the same name on July 1. He also finds that Americans like to do things big, but that doesn't always mean better. "The expectations here are just different," he says. "There's more ambition. More ambition to acquire more in terms of money and career. Whereas Canadians seem to be more European in that we care more about enjoying life." He's lived all over the country and says that it's very difficult to sum up the differences between Americans and Canadians because Americans are so diverse. The gaps between rich and poor, or black and white within the confines of the U.S. are much deeper and wider than the gap between the two countries. And within that mix, he says there's a subset of Americans who are just like Canadians. "Left-wing urban Americans," he says. "Canada is just a country of left-wing urban Americans." Still, he says that the relentless zeal, the private schools, the long work hours, not to mention the fact that everyone in L.A. seems to carry a gun, well, it all gets him down sometimes. His wife, who's American, is pushing to move back to Toronto, he says. "And yeah, we probably will."

Continued Below

Reginald Bibby notes the irony of the situation. The U.S. is a country that aggressively pursues happiness, but Canada seems to have just stumbled onto it. While Americans are putting in overtime to pursue the American dream, we're at the pub having a few pints with friends. They may have bigger cars and bigger homes, but they're living under a mountain of debt. They look richer, but the numbers prove that they're not. The truth is that all of that competition, all of that keeping up with the Joneses, can take its toll. Getting ahead can be a lot easier when everyone is moving in the same direction. "The pursuit of happiness is ingrained in Americans as part of what it means to be an American," Bibby says. "But in Canada, happiness is almost something of a by-product of coexisting peacefully."

Be it sports, health care, business or wealth, Americans are still competing to be the best. And it's true that the best in the U.S. is the best you'll find on the planet. But when you look at the medians and the averages, their accomplishment pales. As the hard numbers in this report show, Americans have shorter lives, poorer health, less sex, more divorces, and more violent crime. Which may mean that perhaps America isn't the greatest nation on earth. After all, you can't judge a nation by the best it produces, you have to judge it by the success of the average Joe. And the average Joe in Canada is having a way better time.更多精彩文章及讨论,请光临枫下论坛 rolia.net
Report

Replies, comments and Discussions:

  • 枫下茶话 / 社会 / 加拿大国庆节特别报道: macleans 杂志的几组比较加拿大和美国的数据, 结论是we are wealthier and healthier, we work less and live longer, and we're way more, um, romantic. 题目是:how canada stole the american dream.
    本文发表在 rolia.net 枫下论坛To be an American is to be the best. Every American believes this. Their sports champions are not U.S. champions, they're world champions. Their corporations aren't the largest in the States, they're the largest on the planet. Their armies don't defend just America, they defend freedom.

    Like the perpetual little brother, Canadians have always lived in the shadow of our American neighbours. We mock them for their uncultured ways, their brash talk and their insularity, but it's always been the thin laughter of the insecure. After all, says University of Lethbridge sociologist Reginald Bibby, a leading tracker of social trends, "Americans grow up with the sincere belief that their nation is a nation that is unique and special, literally called by something greater to be blessed and to be a blessing to people around the globe." Canadians can't compete with that.

    Continued Below

    But it turns out that while they've been out conquering the world, here in Canada we've been quietly working away at building better lives. While they've been pursuing happiness, we've been achieving it.

    How do we know? You just have to look at the numbers. For our Canada Day special issue this year, Maclean's compared Canadians and Americans in every facet of our lives. We scoured census reports, polls, surveys, scientific studies, policy papers and consumer databases. We looked at who lives longer, who works more, who spends more time with friends, who travels more and who has more sex. We even found out who eats more vegetables. After digging through the data, here's what we found: the staid, underpaid Canadian is dead. Believe it or not, we now have more wealth than Americans, even though we work shorter hours. We drink more often, but we

    live longer and have fewer diseases. We have more sex, more sex partners and we're more adventurous in bed, but we have fewer teen pregnancies and fewer sexually transmitted diseases. We spend more time with family and friends, and more time exploring the world. Even in crime we come out ahead: we're just as prone to break the law, but when we do it, we don't get shot. Most of the time, we don't even go to jail.

    The data shows that it's the Canadians who are living it up, while Americans toil away, working longer hours to pay their mounting bills.

    The wealth numbers, in particular, are shocking. As of 2005, the median family in Canada was worth US$122,600, according to Statistics Canada, while the U.S. Federal Reserve pegged the median American family at US$93,100 in 2004. Those figures, the most recent available, already include an adjustment for our higher prices, and thanks to the rising loonie Canadians are likely even further ahead today. We're ahead mainly because Americans carry far more debt than we do, and it means that the median Canadian family is a full 30 per cent wealthier than the median American family. "The fact that we're now richer is a big reversal," says Jack Mintz, former president of the C.D. Howe Institute and the current Palmer Chair in public policy at the University of Calgary. "It's a huge change in the way we view the world."

    Mintz points out that it wasn't all that long ago that we were much poorer than the Americans. Just think back to the 1980s when our dollar was worth 69 American cents, inflation was raging, our real wages were dropping and our productivity was . . . well it was just embarrassing. "From 1987 to 1997 in particular, we had terrible economic growth," says Mintz. "By the time we reached 1999, we were way behind the U.S. in per capita incomes and everything else." Back then, he notes, the newspapers were packed with dire warnings of brain drain. Canadian incomes were so low compared to Americans, our best and brightest were fleeing the country.

    Today, it's the reverse, and families such as Eric Nay, his wife, Polly, and their son are moving the other way. Nay, who's 41 and now works as associate dean at the Ontario College of Art & Design in Toronto, says he packed his bags and left his home in tony Monterey, Calif., for a new life in Canada two years ago. And get this: he did it for a bigger paycheque. "The academic salaries here are much higher," he says. "When I was working as an assistant professor in California, I was making $55,000, but in Canada, that magically becomes $70,000."

    How did this happen? Canada often comes out ahead when you look at squishy things like quality of life. But since when were we richer? Mintz credits the rising loonie, the boom in commodities, and better public policy. He says that over the past decade productivity growth in the U.S. has slowed, while we've been hacking away at our government debt and lowering taxes. In short, as a nation, we've been doing everything right, while the U.S. has been doing everything wrong.

    When you look at how individual Canadian and American families make and spend their money, it gets even more interesting. The numbers show that our median household incomes are about the same, or at least they were back in 2005 when the most recent figures came out. That year the median household income in Canada was about US$44,300, after you adjust it for the exchange rate and our lower purchasing power, while the American median was US$46,300. Since then, the loonie has gained on the U.S. dollar, so we've likely narrowed the gap. But while our incomes may be similar to American incomes, we're still much wealthier because we have less debt. What you make isn't a good measure of how rich you are — to figure out your true wealth you should add up everything you have and subtract what you owe. And Americans owe more. A lot more. Here in Canada the average amount of personal debt per person is US$23,460. In the U.S. it's a whopping US$40,250. And all those numbers are from 2005, just before their housing market slipped into a sinkhole. If you looked at the numbers now, you'd find that Americans are even further behind, because their largest asset — their home — is worth less. "There has been a lot of destruction of wealth in the U.S. over the past few years," says Mintz, "and that would affect the net worth figures significantly. I would suspect that they would be even worse off today."

    Continued Below
    <A TARGET="_blank" HREF="http://ad.doubleclick.net/click%3Bh=v8/36ef/3/0/%2a/d%3B163518125%3B0-0%3B0%3B15313606%3B4307-300/250%3B19964724/19982618/1%3B%3B%7Esscs%3D%3fhttp://www.invis.ca"><IMG SRC="http://m1.2mdn.net/1384003/Invis_BigBox_Final.gif" BORDER=0></A>

    Certainly Canadians who venture down to live in the U.S. say there's a huge difference in how the two countries approach spending and debt. Gerry Van Boven grew up in southern Ontario but moved to the U.S. in 1985. Now he's 57 and living in Fort Lauderdale, Fla. He says his American friends seem genuinely puzzled by his reluctance to load on huge piles of debt so he can buy a big luxury car and a monster home. "Most of the people that I know who were born and raised here are a lot farther in hock than I am, and they think that's quite normal," he says. "They're like, 'Can't afford it? I'll just put it on plastic.' Whereas I was brought up to believe that if you can't afford to buy it in cash, you can't afford it."

    The numbers confirm that Americans like to spend big. They have bigger homes than we do, averaging about 2,500 sq. feet, compared to only 2,000 sq. feet in Canada. They spend about 34 per cent of their annual household expenditure on their homes, compared to just 19 per cent here. They also love big cars. In the U.S., luxury cars and SUVs make up 21 per cent of the market, whereas in Canada, they make up only 11 per cent. The most popular model overall in the U.S. is the more upscale Toyota Camry, whereas we prefer the basic Honda Civic. "They like the big SUVs here especially," says Van Boven, "or at least they did. A good friend of mine went out and bought one of those big GMC Yukons a while back, but now gas is at $4 a gallon. I saw him the other day and asked when he was going to get rid of it. 'I can't,' he said. 'I don't own it yet.' "

    Bibby, the sociologist, says the great American debt load is a direct result of their relentless quest for the best. "American culture is more consumer-oriented due to a more intense and more vigorous marketplace," he says. "My sense is that more dollars are spent per capita on advertising, for example. Little wonder then that per capita debt is considerably higher in the U.S. than in Canada. It is largely a function of the aggressive and successful marketing efforts of American companies." Health care, too, is helping to keep Americans in a state of owe, and for all the same reasons. In the U.S., as long as you have a good insurance plan, you have access to the best health care in the world. MRI machines are available on an hour's notice, there's plenty of staff, and the specialists are the finest there are. But all of that comes at a cost, says Van Boven, and every American feels it. "The absolute biggest difference, financially, that I noticed was the cost of health insurance," he says. "When my wife got laid off, we found out that you could keep the insurance you got through work for a while as long as you paid for it. But it cost $5,000 a year, and that was back in 1986. We couldn't afford that. So since then I've had no health insurance." Eric Nay, who moved to Toronto from California, says that even Americans with good insurance feel the pinch. "When I taught for the state of California, I had the best health coverage on the planet," he reports. "But when my son was born — and it was totally by the book, no complications — my insurance only covered the first $10,000 of the hospital costs. The remaining $8,000 came out of my pocket. And that's with full coverage."

    Meanwhile in Canada, not only are we wealthier, but we don't even have to work as hard to make that wealth. In 2004, the average Canadian worker put in 35 hours of work per week, while our American counterparts put in 38. Only 30 per cent of Canadians work 45 hours a week or more, compared to 38 per cent of Americans. We also get — and take — much more vacation time. Employed adults in Canada get about 17 vacation days a year, and we take 16 of those days, leaving just one on the table. In the U.S., they get 14 days of vacation, but they only take 11, making them the world leader in yet another category: the working drudge.

    Because we have more time off, Canadians tend to have a lot more fun. We spend more time with friends than Americans do, and we're much more likely to have a sit-down dinner with the family at home each night. We also tend to drink alcohol more often, with 27 per cent of us having a drink at least a few times a week, compared to 19 per cent of Americans. Nay says that our richer social lives were one of the biggest differences he noticed when he moved to Toronto. "It was only in Canada that I found myself going to the pub with friends and colleagues," he says. "I spend more time in pubs here than I have in any other place that I've lived. It's partly the culture, and partly because the quality of beer is fantastic."

    Christian Lander is another Canadian living among Americans. He grew up in Toronto, but the 29-year-old moved to Los Angeles 2½ years ago where he runs the popular Stuff White People Like website, and he's publishing a book under the same name on July 1. He also finds that Americans like to do things big, but that doesn't always mean better. "The expectations here are just different," he says. "There's more ambition. More ambition to acquire more in terms of money and career. Whereas Canadians seem to be more European in that we care more about enjoying life." He's lived all over the country and says that it's very difficult to sum up the differences between Americans and Canadians because Americans are so diverse. The gaps between rich and poor, or black and white within the confines of the U.S. are much deeper and wider than the gap between the two countries. And within that mix, he says there's a subset of Americans who are just like Canadians. "Left-wing urban Americans," he says. "Canada is just a country of left-wing urban Americans." Still, he says that the relentless zeal, the private schools, the long work hours, not to mention the fact that everyone in L.A. seems to carry a gun, well, it all gets him down sometimes. His wife, who's American, is pushing to move back to Toronto, he says. "And yeah, we probably will."

    Continued Below

    Reginald Bibby notes the irony of the situation. The U.S. is a country that aggressively pursues happiness, but Canada seems to have just stumbled onto it. While Americans are putting in overtime to pursue the American dream, we're at the pub having a few pints with friends. They may have bigger cars and bigger homes, but they're living under a mountain of debt. They look richer, but the numbers prove that they're not. The truth is that all of that competition, all of that keeping up with the Joneses, can take its toll. Getting ahead can be a lot easier when everyone is moving in the same direction. "The pursuit of happiness is ingrained in Americans as part of what it means to be an American," Bibby says. "But in Canada, happiness is almost something of a by-product of coexisting peacefully."

    Be it sports, health care, business or wealth, Americans are still competing to be the best. And it's true that the best in the U.S. is the best you'll find on the planet. But when you look at the medians and the averages, their accomplishment pales. As the hard numbers in this report show, Americans have shorter lives, poorer health, less sex, more divorces, and more violent crime. Which may mean that perhaps America isn't the greatest nation on earth. After all, you can't judge a nation by the best it produces, you have to judge it by the success of the average Joe. And the average Joe in Canada is having a way better time.更多精彩文章及讨论,请光临枫下论坛 rolia.net
    • Is it a dream? we are paying 18% more on almost everything comparing with south.
      • 单身汉在美国混混还行,居家过日子,加国很好。第一次去纽约,为baby带了个大号童车,苦不堪言。地铁很少几站有残疾人服务设施。上BUS也被要求把童车折起来,不许推上去。交通博物馆的电梯也拒绝为推童车的服务。
        • 由于币值的变化,很难说wealth差别是多少。但是有 healthier, work less and live longer 这三条, wealth上的差别实在是无关紧要. 米国为天才提供了足够大的舞台。对于凡夫俗子,加国生活很好。
    • 算了吧!
    • 这种文章都是根据表面的数据作出肤浅的结论。 同样类似的文章有2003年吹格林斯 潘的, 2007年吹美国的股票市场的。加拿大现在情况好,就跟俄国情况好一样, 都是COMMODITY弄的。等这波过了, 好日子也到头了。
      • 历史上看COMMODITY周期大约是30年。COMMODITY如果下去,加币也会下去。账面上看收入会比米国少一大块,但实际的生活质量还是差不多。同时安省的制造业工作机会就会多一点。
        • 上次的OIL CRISIS从1973年到1981年, 前后不到10年。 当然, “这次跟上次不一 样”,总有人不会吸取教训。就文章上说, 美国平均家庭2500尺, 加拿大2000尺。 美国人开大车, 加拿大人开小车。 这也是“实际的生活质量还是差不多”? 当然 各人可以有解释,
          实际上加拿大人就是现在的生活水平也差美国一节,更不说现在可能是加拿大下10年最好的时候了。
          • 开大车住大房提高生活标准很简单- 把债务水平提高到米国人的水平。
            • 又一个把结果当成原因的.
              • 鸡和蛋本来就是互为因果的。
            • 美国车价比加拿大便宜很多,美国平均房价已经低于加拿大了。而美国平均收入高于加拿大。这才是美国人开大车主大方的原因。
              • 平均房价低于加拿大是最近的事。大部分人背的都是以前的贷款。长期以来,米国房价/工资的比例都大大高于加拿大,属于超前消费,抗险能力很低。一个老同学生重病,还不上贷款,低价卖房,一下子就成了赤贫
                • 长期以来,米国房价/工资的比例都大大高于加拿大 ----- 这是瞎扯。 美国的问题出在2003年以后房价大规模上升的时候。 之前美国的房价/工资在发达国家中是最低的。
                • 一个老同学生重病,还不上贷款,低价卖房,一下子就成了赤贫. ---- 希望你不是从电影那里看了的。我很想知道他得了什么病? 如何用光保险的?
          • 1971-1981,crb从100上到350, 其后20年再没有低于200。这一轮crb从200上到400,最高能上到多少,以后回调到多少,现在说都太早。而且即使crb回调,资源公司也可能在很长的时间里盈利丰厚。
    • 来不了美国,或者在美国留不下来的人当然会有所怨言的。
    • 美国贫富相差悬殊,看平均值不说明什么,要具体看个人情况。喜欢去美国折腾的,肯定不是挣平均工资的就是了。对这部分群体来讲,去美国利大于弊是很明显的。
      • 美国家庭的中位数仍然比加拿大高很多(8千块)。瑞典号称福利好, 人均税收45%, 人均收入比美国最穷得州还要低。 你总不会说瑞典的穷人过得比美国的穷人好吧 ?
        • 有时候还真不能完全看税后。税前的收入很多以福利形式返还,这部分在美国可能要自掏腰包的。一切还要看综合数据吧。
      • 通常看自己的情况很难客观,去米国利弊也就不容易看清楚。其实工资只是一个因素。
    • and we are AQer