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With all the talk about high taxes, auto insurance and gas costs here...What costs less on LI than other areas?
Here are a few I can think of:
1. No Vehicle Property Taxes
2. Health Insurance
3. Water - and no shortages here
4. Generally no HOAs to worry about here
5. No need laying out for private school as most of the schools are good
With all the talk about high taxes, auto insurance and gas costs here...What costs less on LI than other areas?
Here are a few I can think of:
1. No Vehicle Property Taxes 2. Health Insurance
3. Water - and no shortages here
4. Generally no HOAs to worry about here
5. No need laying out for private school as most of the schools are good
I used to sell Group Health insurance as part of my financial planning practice and Long Island has always been on the HIGH side of premiums, sorry to say.
NY in general is cheaper for health insurance though. Better options too. BCBS is pretty much the only game in town in NC, with United Health Care running a distant 2nd. We are paying the same amount for health insurance here as we did in NY but the plan isn't nearly as good. $1,000 a month anyway you slice it.
Vehicle property tax - that's a wash and overall I'd disagree that cheaper in NY....at least in NC you don't pay tax when you buy the car, and when you get the bill every year it's on the depreciated value of the car. Also only cost me $33 to register each car.
Food is taxed in NC, but not for most food in NY. I have mixed feelings on this.
Water. Yikes. Can't get much cheaper than LI.
HOA - pay almost $600 here, but I'd pay almost $500 to join the Garden CIty pool, which was on the other side of town, not down the street, and the HOA here supports other seasonal activities throughout the year.
I've seen no difference in the schools between where I live and where we moved from...if anything we've gotten way more one-on-one attention from the teachers down here even though they make way less money. No question I am getting way more for my money here.
With all the talk about high taxes, auto insurance and gas costs here...What costs less on LI than other areas?
Here are a few I can think of:
1. No Vehicle Property Taxes
2. Health Insurance
3. Water - and no shortages here
4. Generally no HOAs to worry about here
5. No need laying out for private school as most of the schools are good
You know, I'm self employed and do a split from Chicago to LI. So, I pay all of my individual, non-group, IL BC/BS premiums for my family; $487 per month with a high deductible. When I compared an Empire BCBS similar plan, I was quoted $3275 per month. So, I'm not sure how it's less here. My vehicle tax is about $25 per vehicle per year.
Speaking of BS, we have boat loads of it on LI for free, myself included, and it's our best resource.
With all the talk about high taxes, auto insurance and gas costs here...What costs less on LI than other areas?
Here are a few I can think of:
1. No Vehicle Property Taxes
2. Health Insurance
3. Water - and no shortages here
4. Generally no HOAs to worry about here
5. No need laying out for private school as most of the schools are good
1) Vermont has no vehicle property taxes. Registration fees and insurance are much cheaper than here.
2) $1,500 a month with high copays in NY. I can't speak for VT, but $1500 is rather pricy.
3) VT well water $0. Even with testing and maintenance, it is cheaper than the pittance I pay here.
4) Not m/any HOAs there
5) Schools in general are good. Like LI, there are some iffy school districts.
I used to sell Group Health insurance as part of my financial planning practice and Long Island has always been on the HIGH side of premiums, sorry to say.
Oh, here's one. Takeout food - cheaper in NY. I think it's because of the tax on food when you buy it.
There's a Chinese restaurant two towns over (VT) which offers a 10% discount because they don't deliver. Their food is very good, so it's not like they're hurting for business. Imagine a place on LI doing that?
There's a Chinese restaurant two towns over (VT) which offers a 10% discount because they don't deliver. Their food is very good, so it's not like they're hurting for business. Imagine a place on LI doing that?
HA!! Probably the amount they save on gas is worth it to them.
With all the talk about high taxes, auto insurance and gas costs here...What costs less on LI than other areas?
Here are a few I can think of:
1. No Vehicle Property Taxes
2. Health Insurance
3. Water - and no shortages here
4. Generally no HOAs to worry about here
5. No need laying out for private school as most of the schools are good
Comparing Long Island, which is suburbia, to other suburban areas that are equidistant from their cities? Not much. I could compare my rent to Arlington, VA, and say it's a little bit cheaper, but I'm much further from NY than Arlington is from DC. Likewise, can't exactly compare Long Island to a city proper, like San Francisco.
I disagree on the health insurance. Not only is it more expensive here, with insane deductibles, the health system itself is a racket. Most doctors in other parts of the country will write you scrips for 6 months to a year for basic things like blood pressure meds. Here, they want to see you every three months. Cha-ching goes the office visit! And not for nothing, I don't think the care here is any better. In some cases, I've found it to be worse.
What you don't pay in car tax, you pay in ridiculous registration and other fees. Unless you are in a drought-ridden area, there is no real difference in water. Private school is going to be a choice no matter where you are, simply because some people want their kids to get a Catholic or other religious education.
Okay, HOAs, I'll give you. In other parts of the country, you'll pay money for your neighbors to get up in your business. Here, they do it for free.
Hate to say it, Peqs, but Long Island is not exactly a value-added place to live. You pay more and get less for just about everything.
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