Что мне не нравится в США

Hello everyone, Alexei here. Today we're gonna have a rather unusual video, a conversational one.

What inspired me to record this? Because I read your comments and every time I buy a cheap car, a cheap two-wheeler for $3,000, you compare it to prices in Russia. For example, how much would this car cost there? Like $10,000. You can buy

Russia. For example, how much would this car cost there? Like $10,000. You can buy it for $3,000, like everything's cheap here, all that stuff. I'd like to talk about the additional costs in America and what I don't like about the US.

How long have I been in the US? 12 years in April. I live here and I know there will be a lot of comments like, what don't you like?

Go back. Well, first of all, the US has a lot of advantages, but there are also a lot of disadvantages and a lot of things that I don't like about it. I'd like to talk about that. Let's start with cars, for example. Why

about it. I'd like to talk about that. Let's start with cars, for example. Why

are cars so cheap? $4,000 to $3,000 you can basically buy a car. $4,000 for

$3,000 you can buy a car that of course needs to be worked on, needs to be repaired. That's why they don't sell so cheaply because labor is manual. In America it's very expensive. The cost of living is high here.

Salaries are high. Accordingly, no one will fix your car for cheap. That's why an IC car costs $3,000 there and there you need to change it, well even three, say $2,000 and cars Transmission brakes, you need to change the transmission.

At a service center, it will cost from $2,000 to $3,000 and up. Accordingly, if

the car is old, its estimated value, there is, I don't know, for $5,000, Nick.

In normal condition, what fool would buy it and fix it for? $3,000, right? That's

the first thing. Secondly, many people leave rent leaving apartments. Well, just apartments.

Sub-ah-ments, apartments. Usually in apartment complexes. You can't

repair cars in the parking lot. It's simply impossible. You'll get a fine or even have your car towed if it's parked there without wheels. If your car is towed, you'll pay $200 out of $300 for the tow or even more. It

depends on how much they charge. So if your car breaks down, you live in an apartment, you can't do anything with it. The repairs are expensive. You'll just list it on Facebook for $1,000 and hope someone I hope someone takes it, like a project. If not, there's John Scrap Yards where you can sell your

project. If not, there's John Scrap Yards where you can sell your car. They'll even come and pick it up, but the price you'll get for it

car. They'll even come and pick it up, but the price you'll get for it is, well, literally 300, 500 at most. That's the maximum. That's all.

Well, that's why cars are so cheap, because repair is expensive, expensive. Plus, they change cars very often. On average Americans, of course, they try to buy new ones. Well,

well, with normal average American new cars, they drive them until they're up to 100,000 miles. Then they try to sell them, buy another new one.

miles. Then they try to sell them, buy another new one.

Usually everything on credit. Absolutely everything on credit. Regarding the cost of repairs with the mixture I mentioned, putting some kind of engine in a service center. How much will it cost? What do you think? Well, at least probably two, three thousand. That's also

it cost? What do you think? Well, at least probably two, three thousand. That's also

great. Plus the engine itself. Parts are cheap, right? If you buy something Chinese on eBay, then the prices there in principle will be about the same as in Russia or even cheaper. If you take Epoxis and engines from the same IB, but of course they are narrower there, depending on the car, but for

my Silverado. For example, I couldn't find anything cheap. Everything

my Silverado. For example, I couldn't find anything cheap. Everything

started from a 2 series and up. I found the cheapest gearbox for $1,800.

So... That's why cars are cheap here. Because there are plenty of them.

They're easy to buy, easy to sell. So secondly, so what else infuriates me about America? What I really don't like? Firstly, the most important thing is medicine.

America? What I really don't like? Firstly, the most important thing is medicine.

Medicine is the most, most okay of good that there is in America. There is insurance, right? Insurance. Well, insurance in America is not the same as insurance in Russia. Because, let me explain right away how insurance works in America. Medical. Medical insurance. You pay for it some number

America. Medical. Medical insurance. You pay for it some number of dollars a month. Hundreds of dollars a month. Hundreds of dollars a month. But

that doesn't mean you go to the doctor to the doctor and you won't pay anything for it and you won't pay anything for it. Absolutely not. That's how the system is set up. Insurance in America requires a monthly payment of some sort. But

beyond that, you have a deductible. The deductible is the amount you must spend out of pocket before the insurance starts paying for you.

And then there's the out of pocket. Out of pocket is the maximum you can pay out of pocket. And after that, the insurance will start paying for everything for you. I'll use my own example. I have all

you. I'll use my own example. I have all care insurance. It's on the health insurance market. Roughly speaking, it's

care insurance. It's on the health insurance market. Roughly speaking, it's government funded because I'm considered a private entrepreneur. I don't have an employer, no employer whatsoever. If you work for someone else, they're supposed to, well, not

whatsoever. If you work for someone else, they're supposed to, well, not always, but in most cases, but in most cases pay you some of the cost of the insurance, providing it through their company. I don't have a company, so I'm on government insurance. Since I also have a certain Income not very high,

let's say about average for South Carolina. The government pays me extra for this insurance instead of my employer. So out of pocket. Let's start with my example. We have four people in our family, a wife and two children. We

my example. We have four people in our family, a wife and two children. We

pay $260 a month for insurance and the government pays another $1,200.

That's based on our income, those with lower. Incomes might not pay anything at all.

Our insurance, well, isn't the best, but it's not the worst either because you could pay nothing at all and get worse insurance for the same money. Regarding this deduction, that is calculate, it turns out that the insurance company, the insurance company receives from us, us per year, not per year, but every month, well, roughly speaking, let's round up $1,200 from the government to $60 from me. And you think it's all free?

No way. There's something called CPAY, which is $60.

It's a good thing I have it too. It means I pay every time I see a doctor, even a regular general practitioner. If it's a specialist, it's $120, $120.

I go to the office, I have to pay $120, right away.

That's before they even prescribe any tests or anything else.

I just go to the office and pay $60 or $120, $20. I also have a deductible, a deductible of $7,000 per person. That means I have to pay $7,000 out of pocket first. After that, the insurance will start paying 50% of the cost of medical services. Once I've paid $10,000 out of pocket, only after that will the insurance start paying for everything.

So that's how. This doesn't include how much I pay for insurance per month, It's not included in this cost. It's just the cost of medical services. You need

to pay at least 7,000. After that, the insurance will only start paying and even then only half the cost. It's a pain. A doctor's visit usually for a free so-called health visit once a year, it's usually free. But if you need to do something else that's not included in this free visit, they usually reduce your height or weight and everything. you need to do something i don't know extra

work or something else that's extra money my wife also went last time it was her annual visit she asked some question which they tried to answer and because she asked that question they entered a different code for the service into her insurance account and now it turns out it's not a free

visit but 300 just for the question and they didn't do anything they just answered some question about Women's happiness. That's all. God forbid you break a leg or an arm in America. That's all. It went straight to out of pocket for $10,000. So it's total crap.

About dental insurance. I also have dental insurance. We pay $60, $65 a month for it. $65 a month. The government doesn't pay anything extra, but this insurance has a limit of what thousand dollars only the insurance company can pay out for medical services per year if something happens to your teeth. So the

maximum they pay is a thousand bucks. That's all they pay. And also $60. The

deductible I think is the same here too. But what Poke like because the maximum insurance paid is a thousand bucks. After that you pay as much as you want.

As much as you can, not as much as you want. The cost of services putting in a crown cost between $612 of $100 minimum minimum that's $600 $800 $1200 minimum for a crown here in Kordalev I had a dental implant put in once

and I paid something like $2400 for it and that was cheap I tell everyone who tells me this everyone's surprised like holy how cheap because here in Charlotte I also lived in Mon Hall which is In Northern Corleve, it's near Charlotte.

At the local dental clinic, they told me it would cost a little over $4,000 for an implant. Just one. Just one. If you want to put in dentures or anything else, it'll also cost $10,000. $15,000 straight away. Getting a real control, well done, costs $900,000. Usually, the cheapest dental insurance doesn't even cover these services. The most they pay for is cleaning and teeth

cleaning. If you put a filling on top of a filling, yes, they'll cover 50%

cleaning. If you put a filling on top of a filling, yes, they'll cover 50% of the cost, but not everything. Crowns, implants,

nothing is covered. Well, it depends on the insurance. There are good insuances that do cover, but that doesn't apply to our case. I'll also tell you about medicine using my own example. A few months ago, our son started vomiting at night for no apparent reason. He might say, well, he must have eaten

something wrong. We got scared and called the doctor. The doctor

something wrong. We got scared and called the doctor. The doctor

said, take him to Ergens. That's not normal. He was sick several times during the night. So he said, get him some mergens. Okay, so we went to mergens. Mergens

night. So he said, get him some mergens. Okay, so we went to mergens. Mergens

is supposedly coming soon. By the way, there's no speed here. If you call an ambulance for your home, you'll pay several thousand dollars for... So, you

take a car and go yourself. So, So they took him to Mercy Room, a mere 300 bucks up front. We paid a pittance. The doctor

there talks about the service and basically everything is clean there. The doctors are generally fine. There are no questions about all this. Medicine costs a lot of money and

fine. There are no questions about all this. Medicine costs a lot of money and you pay a lot of money for it. Medicine is good, but the cost of services is astronomical. In the end, it died out. He spent an hour just in the ward. They gave him some medicine. He spat it out.

the ward. They gave him some medicine. He spat it out.

Gave him some vitamin. That's it. They sent him home. They told him to just monitor him, see what happens. Well, everything was okay. Everything worked out. Everything was fine.

Then the bill came for $3,000. No, not $3,000. Yes, $3,000.

But our insurance company, they're sort of in cahoots with the hospital. They don't set this price. So they negotiate. They agreed that We should pay a maximum of $800.

this price. So they negotiate. They agreed that We should pay a maximum of $800.

We subtract the $300 we paid to the hospital and the $500 we paid on top. So the bill is $800. Just an hour long trip is completely

top. So the bill is $800. Just an hour long trip is completely shameful. They didn't do anything. They did nothing. They just gave me a pill, a

shameful. They didn't do anything. They did nothing. They just gave me a pill, a vitamin. That's it. Nothing. Even if they're heading insurance.

vitamin. That's it. Nothing. Even if they're heading insurance.

Sometimes, for some it's easier to have. No income at all, nothing. Then you'll have Decate, that's government insurance. The government pays for practically everything. Well, there are different types of prepayments too. In some places you pay extra, and others you don't pay anything.

Sometimes it's easier to have no income at all, then the government will pay everything for you. But in our case, when you have an income, that's how it works.

for you. But in our case, when you have an income, that's how it works.

I have to do all this out of my own. The thing is, by the way, that getting an appointment with a doctor is also not easy, really. I had

some kind of pain once too. I usually don't go to the doctor at all.

I decided to make an appointment. I've never been. Never been. What? I decided to make an appointment. They tell me like the next appointment is in three, four months soon. I'm like, well, great. Damn, I need this right now. He says, go to

soon. I'm like, well, great. Damn, I need this right now. He says, go to Unki Care. Unki Care is just one of those places where, well, you can show

Unki Care. Unki Care is just one of those places where, well, you can show up without an appointment and they'll see you. You have to wait in line there too. But at Unki, I think it's 120 compartments too. It goes on from there.

too. But at Unki, I think it's 120 compartments too. It goes on from there.

All sorts of x-rays, everything else. That's also a thousand bucks more. In short, it's very expensive. If you want to have an operation, some people actually sell their houses

very expensive. If you want to have an operation, some people actually sell their houses to pay for it all, including medical bills, because as I said, God forbid you break a leg or something, it all adds up. In our case, it immediately hit 10,000 because our out-of-pocket bill was 10,000. The medical bill will most likely be 80,000 or 70,000, but the insurance company negotiates with the medical professionals and

institutions how much they're willing to pay. That's the main thing that pisses me off about America. Medicine. Medicine is crap. Sometimes it's easier to just buy a ticket,

about America. Medicine. Medicine is crap. Sometimes it's easier to just buy a ticket, fly to a country and get everything you need done there. Another

thing I don't like about the U.S. is all these extra fees and taxes. So you go to the store, they charge one price.

And you'll never buy anything at that price because they always add taxes and taxes and extra fees. So if you see that a coat cost a dollar, it's not worth a dollar. It'll cost you $25, $15, depending on the taxes.

That's also a lack of transparency. And by the way, regarding these medical services, when you call them on the phone, they ask like, how much will this pain cost?

How much will I need to do? They'll never give you a proper explanation. Then

you wait for the surprise, then the bill comes in the mail, and then you'll find out. They'll never tell you anything in advance. They won't tell you anything. Yeah.

find out. They'll never tell you anything in advance. They won't tell you anything. Yeah.

Anywhere from $100 to $100,000, roughly. Well, I'm exaggerating, of course, but roughly speaking, that's how it is. You buy those same cars at auction, too. Damn, the winning bid is $700. A year on a, hmm. Yeah. Plus fees, environmental taxes like a VW,

is $700. A year on a, hmm. Yeah. Plus fees, environmental taxes like a VW, a title or a Ford Focus. So a dollar 50 car is already $1,500. So

a thousand bit. That's what I don't like taxes.

Well, taxes are basically expected. It depends on your income, how much you pay.

We pay about 20, 25% of our annual income 2025. I think it's pretty good.

In Britain, I think, and in France, you pay 40-45% in taxes. You can live with that. Regarding all the cars I sell, that's it. Everything is official. Everything is

with that. Regarding all the cars I sell, that's it. Everything is official. Everything is

taxed. So we basically won't even take that into account. Well, my favorite thing, one of my favorite things I don't like about America is these tips. The kind you have to leave in a restaurant, it's 25-25% and...

It used to be less, 15-20 was normal. Now, they probably asked between 18 and...

Okay, not 20, 17 to 20, 20%. No, I agree. Basically, if you go to a restaurant, sit there. Okay. Okay, like... Well, sometimes it's annoying when they bring you the bill and then they add an extra 20% service charge.

Besides the service boss, there's also this line custom type. Add an extra tip for service boss. That's actually a tip in theory. Not in all countries, but it does

service boss. That's actually a tip in theory. Not in all countries, but it does exist. Meaning you pay an extra tip for the tip. Well, that's completely crazy when,

exist. Meaning you pay an extra tip for the tip. Well, that's completely crazy when, I don't know, you buy aiziga or ice cream at a Lorca or somewhere else.

And sometimes you pay with a card. And the display says, how much should I leave for a tip? You just gave me the ice cream, I don't know, at the supermarket. Why would you leave a tip there? I don't like that either.

the supermarket. Why would you leave a tip there? I don't like that either.

So taxes. Back to taxes again. I didn't mention property taxes or taxes on private property. How much does it cost to maintain a car in the U.S.? And I

property. How much does it cost to maintain a car in the U.S.? And I

pay insurance. I have one-way insurance. $120 a month for two cars.

South Carolina. South Carolina, by the way, is considered, in my opinion, one of the most expensive states where, in terms of insurance costs, even in the north, it's cheaper.

But as I'm saying, I have the most basic, simplest liability with minimal limits.

$60 a month per car somewhere on 120 for two drivers. But I in principle, well I'm not in principle, I have a good clean record. That

is I haven't had any accidents or tickets. So the rate is like this. If

I, it would be less, oh worry. If you're a new driver, if you have less than three years of an amount of experience, then you plan to pay probably starting at $200 a month for one car. That's how it is. Plus, on top of that, there's property tax per year for each car. Well,

approximately my car is old ale. Roughly, I'd have to pay about $120, $150 in taxes per car each year. Regarding house access, for example, in South Carolina, I'm saying this again because I live here. We pay about 800 bucks a year in taxes for my house where I live. But for us, since

this is our primary residence, we have some kind of discount. Some kind of discount.

So it's not the full cost. They deduct something. If this were a second home, like I have another house that's being considered. We pay for it, which by the way, is about the same. We pay around $5,000 a year for it because it's already considered a second home. It's already an investment property. So it's an investment, not a primary residence. So for that one, it's already a five. If the

house I live in now, if we rented it out, I think our taxes would be, well, around $3,000 probably. Well, maybe $2,500, $3,000.

Besides that, home insurance costs that much. I think we pay $1,500 a year now. So roughly speaking, well, somewhere around 120 bucks a month.

year now. So roughly speaking, well, somewhere around 120 bucks a month.

As for grocery prices in the store, they're about the same as in Russia.

Maybe a little more expensive, but not too much. The same goes for gasoline prices.

Gas fluctuates here, but on average, it's either the same as in Russia or even cheaper. So I say basic groceries, basic prices, they're generally pretty inexpensive.

cheaper. So I say basic groceries, basic prices, they're generally pretty inexpensive.

But all these extras, this insurance, healthcare, all of that costs a fortune. And that's

why too, when you think about, for example, a person earning $6,000 a month in America, really how much does he have left after all these payments? Yeah, very little, really. But then again, I'm not complaining. In America, you can make it peanuts. You

really. But then again, I'm not complaining. In America, you can make it peanuts. You

can make it. You just have to, how? Well, you have to bust your ass.

It won't work here. Like in Russia, you just sit at the computer and do nothing. Just wasting your time. There's nothing here. Here, you have to toil and toil

nothing. Just wasting your time. There's nothing here. Here, you have to toil and toil to earn something. So that's our short video. Someone will say, please, go yourself, Russia. I say, off. I like it. There are downsides here. There

are downsides. They all have their pros and cons. You just have to somehow get used to them and live with them. Okay, bye, everyone.