Sweden downsizing its welfare state

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Dahak
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Re: Sweden downsizing its welfare state

Post by Dahak »

Thanas wrote: Also, AFAIK retirement in Germany is only mandatory for a very select group of officials, like university professors, judges, notaries etc...and evne then it depends. There is no general mandatory retirement for people working in the free market.
Well, a lot of contracts have a built-in termination at the then-current pension age. I know mine all had it written in them that the contract ends as soon as I reach that specific age.

As for house/flat buying in Germany: there was an interesting article in Spiegel online sometime ago, that tried to give several reasons for the low amount of owners. One was the money, the lack of mobility of the property, but also gave some cultural reasons. It was said that after the war, the state decided it was cheaper to built social housing than to subsidise buying. It also lead to definitions of high standards of flat quality and severe legal protection of renters compared to others.

For me, I would like to own a flat or house, but for one, I am far too mobile in my everyday work and there is the money thing. Around where I live, a decent one starts at around 180k €, and I would like to save at least 30% for an upfront-payment.
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Colonel Olrik wrote:Hey everybody, I pay 42% taxes + 7.5% for the health insurance, which means that I see in the bank barely 51% of my nominal income.
I honestly don't find anything objectionable to this if you're in the range of 70k - 120k USD equivalent, let alone higher. *grumbles* I'd certainly accept that kind of taxation in exchange for the prospect of the kind of paid vacation time you get over there, nevermind the health insurance.
If it only were like this... You reach that level of taxation starting from 52k € income a year. And it only gets higher if you earn more than 250k.
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[R_H]
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Re: Sweden downsizing its welfare state

Post by [R_H] »

Tiriol wrote:
[R_H] wrote:
Tiriol wrote: Elementary school just about everything is paid, not counting pencils and notebooks. High school: you have to buy your own books (although there are a number of ways to reduce their costs, which has caused some stir now when a publisher or two recently wanted to shut down a website where people could sell their school books to each other at greatly reduced costs).
OK. Why do you have to buy the books? I went to highschool in Canada, in the city's school system the books were lent out to us, and at the end of the year we got the money back (security deposit, basically, damaged or lost books meant you got less/no money back).
I'm not sure and it is often seen in a very negative light: the books are very expensive, the student's financial aid to youths attending high school is miniscule (even if they don't live with their parents) and it is an actual strain on poor parents' finances. It doesn't help that the publishers change the books every couple year or so (and sometimes they just shuffle around chapters or so; when I re-attended a Swedish class I had already taken, I had to buy a new book, which was mostly the same, but chapters were in different places and some new chapters had been added).
That's pretty shitty, for everyone, but especially the poorer students. Why did you have to buy the new book, just because it was a new edition?
By us it was always the opposite, for example, in history textbooks the content was quite outdated. In the absence of the necessary textbooks (for whatever reason), there was always handouts.
Tiriol wrote:
Tiriol wrote:It is free, no tuitions. The books you must buy yourself. And transportation, although usually rather cheap (and the students get 50% discount), is still something you have to pay for, as is in other school levels.
No tuition? :o Wow, that's pretty sweet. Your student discount is incredible too, here in Switzerland it's between (I can't remember exactly) 10 and 20%, but that's for all public transit in the country. Do a lot of people attend university (like in North America), or relatively few (say, less than 50% of highschool graduates)?
I don't remember the official figures (and I think that people taking graduate studies (to get that Master's degree) are not eligible for student's discount), but quite a few attend universities, be their science universities, economy universities or universities of applied sciences. Official figures, as already stated, I don't know. However, it has become increasingly hard to get a good job without an university-level diploma (and at least universities of applied sciences, a rather new innovation, are shafted even in that) so if one wants to have career advancement in these days, one is almost forced to get some kind of university-level education. This produces quite a lot university students.
Interesting that those doing graduate studies aren't eligible. Here there's just an age cut-off for student discounts (usually 30). Is there a tendancy towards employers asking for graduate degrees (after the Bologna reforms)? That's the case here, it's nearly impossible to get a job with just a 3 year degree from one of the two (applied) science universities.

Many here just do an apprenticeship after finishing school (at 16), others continue to "Fachhochschule" after an apprenticeship, which are between a community college and university (they can go onto regular universities for graduate studies). The education system(s) are a complicated mess here. :|
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Re: Sweden downsizing its welfare state

Post by Tiriol »

[R_H] wrote:
Tiriol wrote:
No tuition? :o Wow, that's pretty sweet. Your student discount is incredible too, here in Switzerland it's between (I can't remember exactly) 10 and 20%, but that's for all public transit in the country. Do a lot of people attend university (like in North America), or relatively few (say, less than 50% of highschool graduates)?
I don't remember the official figures (and I think that people taking graduate studies (to get that Master's degree) are not eligible for student's discount), but quite a few attend universities, be their science universities, economy universities or universities of applied sciences. Official figures, as already stated, I don't know. However, it has become increasingly hard to get a good job without an university-level diploma (and at least universities of applied sciences, a rather new innovation, are shafted even in that) so if one wants to have career advancement in these days, one is almost forced to get some kind of university-level education. This produces quite a lot university students.
Interesting that those doing graduate studies aren't eligible. Here there's just an age cut-off for student discounts (usually 30). Is there a tendancy towards employers asking for graduate degrees (after the Bologna reforms)? That's the case here, it's nearly impossible to get a job with just a 3 year degree from one of the two (applied) science universities.

Many here just do an apprenticeship after finishing school (at 16), others continue to "Fachhochschule" after an apprenticeship, which are between a community college and university (they can go onto regular universities for graduate studies). The education system(s) are a complicated mess here. :|
As I said, I'm not sure about graduate studies not getting student's discount; I should look into that later on, considering that with any luck, I'm going to be a graduate student within couple of years. And yes, there is a tendency for asking graduate degrees or university of applied sciences undergraduate degrees (they are more work-oriented and usually have more requirements than university ones). However, the applied science universities still get shafted; although there now is a graduate study program in them, it is a VERY recent development and it's Finnish name is clumsy as hell (and to someone unfamiliar with the system, it sounds like a fancy undergraduate name). Compare:

bachelor of business administration = tradenomi
master of business administration = tradenomi (ylempi AMK)

As you can guess, the miniscule difference in official name (which can confuse especially the older people very much) means that apparently most MBAs and other applied science universities' former students who've gotten their graduate studies in order prefer the English version.

There is also an existing problem with science and economics universities almost actively making it harder or near impossible for applied science universities' undergraduates to apply for their master's degree programs. For example, if I want to continue my studies in Helsinki's School of Economics at master's level, I have cough up 200 dollars to partake in an independent exam just to prove that I have the requisite skills, in addition to having BBA and at least "good" average on my courses back in applied science university.

Curiously, there has been a lot of talk about developing an apprenticeship system of our own and much of it has to do with the growing unemployment numbers among the young male population; and some also criticize the hugely expanded demand for graduate degrees in work world: the situation has become so bad that people often take two majors and study them to their master's levels just to stand out in the huge crowd of single graduate degrees.
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Re: Sweden downsizing its welfare state

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Gil Hamilton wrote:And yet some how democratic socialism seems to work in Scandinavian countries without the sky falling and everyone living in abject poverty with all their shit being taken way by the state. Go figure.
Nitpick:
The Nordic (Iceland, Denmark, Finland, Sweden and Norway) countries are Social Democratic rather than Democratic Socialist. I know some people do not differientiate between the two ideologies (and they are similar) but Social Democracy have more focus on a mixed economy than Democratic Socialism.
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Re: Sweden downsizing its welfare state

Post by The Duchess of Zeon »

Dahak wrote: Well, a lot of contracts have a built-in termination at the then-current pension age. I know mine all had it written in them that the contract ends as soon as I reach that specific age.
Do you think that point is negotiable?
If it only were like this... You reach that level of taxation starting from 52k € income a year. And it only gets higher if you earn more than 250k.
Uh, 52,000 Euros is 73,150 USD currently, approximately... So I actually find the brackets to be perfectly placed.
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Re: Sweden downsizing its welfare state

Post by Dooey Jo »

Since Tiriol answered for Finland, I'll chime in with how it is in Sweden.
[R_H] wrote:
Spoonist wrote:Until 16 if your child is sick you can call in sick at work with ~80% of your income, up to ~100 days/year
That many days? Wow. Have there been any problems with people abusing that? Or do employers ask for a note from the doctor?
There has been some abuse. Some people liked to falsely claim their kid was sick and stay home, and then send them to school anyway, or say that they were staying at home and go to work anyway. But now, if you want to get that money, you have to get a special note from the school, saying that the kid really wasn't there. Doctors need not be involved.
Spoonist wrote:School
Free. Well unless you count ordinary expenses like daytrips, clothes etc.
High School
Free.

Are school supplies paid for too?
Until high school, everything you need to use in school is free, including pencils and notebooks. Usually you get to borrow the textbooks (but sometimes you can keep them). In high school, you have to get your own pencils and notebooks, but the rest is free. This was the case for me anyway, some other schools are probably poorer/greedier. Some schools give you laptops, I hear.
Spoonist wrote:University
Free. And you can take out subsidized governement loans for living expenses.
Completely free, or do students still have to pay some tuition? What about books? Transportation?
It's free but you have to pay for membership in the students' unions, which is mandatory by law (costs about €20 to €40 per term). You don't get any books, but I think the school library is supposed to have at least one or two copies of all books that are "required" for the courses. As a student you can usually get a discount on transportation (and other things, like free supersizing at McDonald's if you want to eat poison).
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Re: Sweden downsizing its welfare state

Post by Bellator »

Uh, 52,000 Euros is 73,150 USD currently, approximately... So I actually find the brackets to be perfectly placed.
Only when looking at the exchange rate, but certainly not in purchasing power.
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Re: Sweden downsizing its welfare state

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Re: Sweden downsizing its welfare state

Post by Bellator »

I may be confused here, but doesn't that actually show the opposite? After all, Sweden's PPP per capita is lower than that of the US, despite a higher GDP per capita.
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Re: Sweden downsizing its welfare state

Post by ArmorPierce »

I'm talking about Germany, that's were Dahak is from (I think) and that's what you're responding to.
Dahak wrote:
Thanas wrote: Also, AFAIK retirement in Germany is only mandatory for a very select group of officials, like university professors, judges, notaries etc...and evne then it depends. There is no general mandatory retirement for people working in the free market.
Well, a lot of contracts have a built-in termination at the then-current pension age. I know mine all had it written in them that the contract ends as soon as I reach that specific age.

As for house/flat buying in Germany:...
Last edited by ArmorPierce on 2009-07-30 11:08am, edited 1 time in total.
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Re: Sweden downsizing its welfare state

Post by Serafina »

And it think Bellator read it wrong - Swedens PPP seems to be higher than that of the USA.

Unless you want to claim that eastern europe has a higher PPP than the USA.
Last edited by Serafina on 2009-07-30 11:10am, edited 1 time in total.
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Re: Sweden downsizing its welfare state

Post by ArmorPierce »

Oh yeah and you're right, he read it wrong. Sweden is somewhat higher.
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Re: Sweden downsizing its welfare state

Post by ArmorPierce »

Actually I misread the description, it's talking about expense expense taking ppp into account. So Sweden by ppp is more expensive.

http://en.wikipedia.org/wiki/List_of_co ... per_capita

So Sweden and Germany ppp per capita are less.
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Re: Sweden downsizing its welfare state

Post by Rightous Fist Of Heaven »

Darth Wong wrote:You can't justify everything you say by the fact that you live there. By your own admission, you've never needed any serious medical care, yet you rant about how awful the waiting times are for serious medical care in your country. What makes you any more specially qualified to discuss that than anyone else with a web browser?
No I can't justify everything I say by just saying I live here. However, since I do live in one of the few states on Earth that call themselves Welfare States. I can provide the point of view of a person who lives and works in a Welfare State. Which has been my point. The waiting times for medical care and the general criticism towards the state of Public Health Care are both from own experience (parents, grandparents) and from the mouths of people who work on the Health Care sector here and ofcourse the media.
Also, you're still ignoring the point: you have not tried living in one of the laissez-faire capitalist paradises you obviously wish you were in, so what makes you think it would be better? In fact, all you've done is grouse about how awful it is to live in the country that makes the #1 rank on all of the UN's HDI rankings, but you've done so in isolation. It's like a government unionized worker complaining about how hard his life is.
No I haven't. My point was never to actually compare Finland to capitalist paradises. If my first post gives that impression, then I apologize. Ah, no. I have absolutely no wish to live in the US for example. Nor really anywhere except Finland. The fact that there are many things in my own opinion which are simply wrong with our current system does not mean that I would abandon my home in a heartbeat. Statistics are statistics, experiences are another thing entirely. Only by living in another country you get to really know what kind of place that country is.
Edi wrote: Medicines, books, transportation of people and some other things have a VAT of 8%. Food VAT drops to 12% in October this year. Otherwise correct.
Conceded, it was a bit too broad of a generalization. The food VAT should have dropped ages ago and I was discussing the present situation.
It would help a lot if you stated this kind of special caveats from the get-go, because otherwise it makes it look like you're skewing the figures to look better for your argument. Besides that, it's not comparable to anything, unless you can do a similar calculation for any other country you wish to compare to. I wonder what that would look like.
Uh, what I said in the 6,000$ figure in the first place:
Me wrote:The average cost of our "free" health care for every working person is 6,000$ a year. On top of that, if you have to use that health care for ANY reason you have to pay for it. Nevermind the fact that you are already paying 6000$ a year for it in taxes.
The figure wasn't intended to be comparable to anything. It was meant to provide an idea how much our current health care arrangement costs per working person. Plus the costs of Doctor appointments etc.
Yeah, that may have been your intention, but where the fuck am I living then? At the end of the rainbow with leprechauns and Fluffy the Purple Unicorn? I live in this country too and I've had to use the social services and my experience has not been anywhere near what you describe, nor have I heard it being that bad for anyone I know.
Well good for you. I don't see the point of debating our experiences in this instance. You haven't had the opportunity to hit the big bumps in our Welfare State System.
My sister is just a year and a half younger than I am, meaning she's past 30. The hospital stay was this year.
This is indeed quite fascinating. I admit that our experiences differ greatly.
It's not perfect, but it sure as fuck ain't as broken as you make it sound. I don't know if it's just the office where you filed your paperwork that fucked up, but that's a distinct possibility. If there was a systemic problem like you describe, it wouldn't just be suppressed. It doesn't take more than one or two fuckups in one office to snarl everything for a lot of people, since as government workers, they are almost fucking impossible to fire. The nice thing about our system is that filing a complaint into the administrative courts doesn't cost almost anything and it sure sounds like you have a case if everything was fucked up that bad. Though of course if it's been long ago, the statute of limitations on it has expired.
Sure, could have been the office. The funny thing is that neither KELA nor Työvoimatoimisto have managed to actually perform when they should have. Since fuckups with these two prodigious offices have been the rule rather than the exception in me or my relatives dealings with these two offices (situated in Turku, Tampere, Lempäälä), forgive me if I don't really have much faith in their ability to accomplish squat. Administrative courts don't cost much, but the time and effort you need to put into those proceedings is beyond the benefits. In my instance, I was spending enough time as it was trying to get re-employed and keeping my apartment to go to court over 1000€. I did ultimately get a new job and decided that never the fuck again I would deal with those two offices if I could avoid it. My mother actually had to go to court over living support, since KELA had decided she was a agricultural enterpeneur. The courts ultimately overruled KELA after two years of arguing, and my mother got the 69€ living support.
It is supposed to be subsistence level support and it has been a fucking long time since it's been reindexed to reflect reality, which means it is often a bit short.


Yeah, it's supposed to be that. The fact is that it doesn't actually reflect the minimal costs of living for a single person in any way. So, if you actually get unemployed suddenly, you're far safer in trusting either a Union or a private unemployment fund.
And was this always at the same office? Paperwork does get lost in the shuffle and I don't know if it's a specific malady in the Tampere offices, but in Helsinki it has worked quite well. I might have had to resubmit one form once, during several years when I had to deal with the bureaucracy on and off depending on whether I had work or not.
The first time it was the Hervanta office, the second time we mailed the paperwork over there. The point is that the system, that's supposed to help you when you hit a bad streak of luck out of a sudden, fails due to incompetence and fails to FIX the mistake. Mind you, this is a minor problem when looked at from a broader perspective. For the unlucky unemployed fucker hitting this bump, its a big goddamn problem.
Time for another counter-anecdote: I've required medical attention necessitating a hospital stay three times in the past eleven years, for a major surgical procedure. The first two operations failed in the healing phase when certain stitches didn't hold. Those were on the public side and it was a non-urgent (from the system's point of view) operation and it cost me fucking nothing.

The third time I had it done privately, because then the waiting time would have been years precisely due to the non-critical (i.e. not life threatening or seriously debilitating condition) status of the problem. It was successful due to not using automatically dissolving stitches in the critical locations. That particular thing cost something like 4000 euros for the operation and all the associated costs for it and none of that was covered by insurance. It didn't require an overnight hospital stay, as opposed to the public side. If it had, it would have been more.

The wait times on the public side for urgent stuff are not nearly as bad as you make it sound, but non-urgent stuff gets shunted back if higher priority cases appear. That's how the resource allocation works.
It seems that public health care has completely different billing practices in Helsinki than in Tampere. The bills I've archived from the times I've used the public health care services atleast would seem to speak in favor of that. What I do find odd though is that your health insurance didn't cover the cost of the operation in a private establishment.

My critique towards the waiting times are a result of the countless reports in our media and experiences from my relatives and friends. Ofcourse, this could be different in Helsinki.
If you're going to make sweeping generalizations based on your own personal experiences when it's not supported by easily available data, expect to be challenged. That's how shit works here.

To be frank, you've had bad experiences and you rant on them, but when you fucking get counter-examples from people living in the same country, you stop doing sweeping generalizations or you'll get your ass beaten like a drum.
Personal experiences, those of relatives, those of friends. Long time working in the private sector and working with people who are responsible for training the people in charge of our elderly care, school system and health care system.

Counter-examples? What the fuck man, the fact that you've got good experiences with our Government doesn't magically somehow disqualify the examples of broken parts I've provided. You've managed to show that something Government-run systems work in Helsinki. Congratulations!
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Re: Sweden downsizing its welfare state

Post by Karrick »

Dooey Jo wrote:It's free but you have to pay for membership in the students' unions, which is mandatory by law (costs about €20 to €40 per term). You don't get any books, but I think the school library is supposed to have at least one or two copies of all books that are "required" for the courses. As a student you can usually get a discount on transportation (and other things, like free supersizing at McDonald's if you want to eat poison).
I was considering heading to Sweden for grad school (masters). I'd read that while university is free even for foreigners there was going to be a change to that. I haven't seen anything new about this, could you enlighten me? I should still have some cash stashed away because my parents were on the ball in saving for my education (which they paid a metric fuck ton for because here it's very much not free :evil: ). The primary draw was more that I've always wanted to visit Sweden, but now the job market sucks and what better reason to go than to get a more impressive degree?
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Re: Sweden downsizing its welfare state

Post by Dooey Jo »

Karrick wrote:I was considering heading to Sweden for grad school (masters). I'd read that while university is free even for foreigners there was going to be a change to that. I haven't seen anything new about this, could you enlighten me? I should still have some cash stashed away because my parents were on the ball in saving for my education (which they paid a metric fuck ton for because here it's very much not free :evil: ). The primary draw was more that I've always wanted to visit Sweden, but now the job market sucks and what better reason to go than to get a more impressive degree?
There has been some talk about charging non-Europeans (due to EU regulations, if they want to charge EU citizens, they'd have to charge Swedes too). Apparently because too many poor, brown people apply and never show up, and somehow charging money when they do show up is supposed to fix that. You'll have to excuse the government for being shitheads. And even if they do pass that law, it won't happen before 2011. It might cost a small fee to sign up however. According to the internet, it could be around €50 or so.

There was also some bullshit about how free universities made us look non-prestigious and only attracted, well, plebs I suppose was what he wanted to say. Hopefully they will never speak of that again.
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Re: Sweden downsizing its welfare state

Post by Tiriol »

Dooey Jo wrote:
Karrick wrote:I was considering heading to Sweden for grad school (masters). I'd read that while university is free even for foreigners there was going to be a change to that. I haven't seen anything new about this, could you enlighten me? I should still have some cash stashed away because my parents were on the ball in saving for my education (which they paid a metric fuck ton for because here it's very much not free :evil: ). The primary draw was more that I've always wanted to visit Sweden, but now the job market sucks and what better reason to go than to get a more impressive degree?
There has been some talk about charging non-Europeans (due to EU regulations, if they want to charge EU citizens, they'd have to charge Swedes too). Apparently because too many poor, brown people apply and never show up, and somehow charging money when they do show up is supposed to fix that. You'll have to excuse the government for being shitheads. And even if they do pass that law, it won't happen before 2011. It might cost a small fee to sign up however. According to the internet, it could be around €50 or so.

There was also some bullshit about how free universities made us look non-prestigious and only attracted, well, plebs I suppose was what he wanted to say. Hopefully they will never speak of that again.
I've heard that kind of talk around here, as well. People have commented that free university-level education makes that education less prestigious and worse than education which one has to pay for, like in the UK/US system. The same people who speak about that also think (usually) that universities of applied sciences aren't "real" universities and they also seem to have the same kind of attitude about foreign students ("They never show up, they're leeches!"). It's unfortunate that there is at least one case where there WAS forgery involved with a bunch of foreigners. I have forgotten the details, but I think they forged their credentials to get into universities here and then dropped out of their classes while still being counted as students and thus they had the right to stay in the country or some such.

And every time when something like that happens, xenophobes, racists and other nice folks like them can point out the incident and claim that they were right, everyone else was wrong. Idiots.
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Julhelm
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Re: Sweden downsizing its welfare state

Post by Julhelm »

I wouldn't be surprised if that talk is coming from that fringe crowd who seem to think America is paradise on earth. After all, it's not like we're keeping anyone from studying at those US/UK universities if they want to.
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Re: Sweden downsizing its welfare state

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Dooey Jo wrote:And even if they do pass that law, it won't happen before 2011. It might cost a small fee to sign up however. According to the internet, it could be around €50 or so.
There's no registration fee involved in the application process at Swedish universities?
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Julhelm
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Re: Sweden downsizing its welfare state

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No fees at all, and I damn well hope there never will be.
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Re: Sweden downsizing its welfare state

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Julhelm wrote:No fees at all, and I damn well hope there never will be.
Wow. It's not that much here, 65 Euros, another 32 if the registration comes in late. For foreign students it's 98 Euros. What problem do you have with registration fees?
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Re: Sweden downsizing its welfare state

Post by TheLostVikings »

[R_H] wrote:
Julhelm wrote:No fees at all, and I damn well hope there never will be.
Wow. It's not that much here, 65 Euros, another 32 if the registration comes in late. For foreign students it's 98 Euros. What problem do you have with registration fees?
While I can't speak for him, your registration fee is more than the combined expenses I pay my university in a whole year put together. And since the whole "education is practically free" thing means the government has already figured out how to pay the clerks processing your registration anyway, there is no need to extort money for applicants.
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Re: Sweden downsizing its welfare state

Post by Jonen C »

Of course "kåravgift" is not counted as a registration fee, yes?
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Re: Sweden downsizing its welfare state

Post by Julhelm »

No. It's more like a union fee.
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