Every year, they are overcharging the Federal Government, Provinces, Cities, Universities, Hospitals and Small Business owners for the right to use Microsoft Office. They make 40% margins. It’s absolutely disgusting.
Microsoft has basically managed to tax every single Canadian.
If you go to a Canadian University, whether you like it or not, you are paying the Microsoft tax. Because your tuition is paying Microsoft. If you pay provincial taxes, you pay the Microsoft Tax. Whether you like it or not, the provinces are paying Microsoft. If you go buy food at the supermarket, whether you like it or not, you are paying the Microsoft tax. Because Canadian supermarket companies are paying Microsoft. You want to buy a bus ticket ? You are paying Microsoft. The Bus company is paying Microsoft.
It’s parasitism. Microsoft is a parasite that feeds on the Canadian economy.
It’s a wonderful alternative to Microsoft Office. It’s free, secure, and developed by a non-profit organization that I financially support. I urge people to switch to Libre Office instead of Word/Excel/PowerPoint.
After a few days, you quickly get used to it. Then you just wonder "Why we are all paying Microsoft so much money in the first place?".
We need Canadian institutions, small and big, to do the same. Stop paying the Microsoft tax. Fight the Parasite.
I have a CC while being an EU citizen. Main reason is calamity while traveling, it’s just accepted at so many places so it could bail me out. I still buy 99,99 % of my stuff debit though, I don’t need most purchases ensured, also i don’t like doing my finances one month behind, I like it one month ahead, so paying my CC bills after 30 days is a net negative for me.
Do I understand correctly that ‘cashback’ is the fact that if you return stuff, you get the refund cash and not wired to your account/digitally put back on the debit card? If so, can you explain the importance of that for your situation? If not, could you explain to me what ‘cashback’ means in this context?
No, cashback is literally a “use this credit card and we’ll give you 1% of your money back as a reward” then they charge the vendor 3% to process the transaction.
Cash back credit cards reward you by refunding a percentage of your purchases made using the card. You can use this refund as a credit towards your monthly balance or as cash deposited into your bank account. Some cards offer a flat percentage on all purchases, while others offer higher percentages on select categories.
Of course, they wouldn’t be doing this if you weren’t paying them at least the refunded amount somewhere else - through fees, or through people’s average interest payments, or through price increases applied by the stores to cover the fees they pay to the credit card companies.
Are there no Canadian financial institutions capable of launching their own cards and payment processors? That seems like a pretty big issue if the US is still skimming money off of each Buy Canadian purchase made by any medium other than cash.
The banks do take a hefty cut of that transaction fee, and visa/mastercard get a smaller cut. But that’s still a lot of money going to the US for no reason.
We do have Interac here in Canada which charges a few cents instead of a percent, and it’s Canadian.
I’m going to take a slightly more nuanced take on this as someone who works in the enterprise software ecosystem.
Microsoft doesn’t just sell office to the government or university anymore. Their Microsoft 365 subscriptions include e-mail, office, intranets, communications, security, collaboration tools, and even more.
You can replace the office part with Libre Office no issues, and for home use I would absolutely recommend that instead of paying for a Microsoft license, but the moment you need to start building your own e-mail servers, file sharing systems, getting software for messaging and video calls, etc. the price (software, hardware, maintenance, tech support) goes up to well above what Microsoft charges.
Unfortunately, Microsoft provides decent value.
I’d love to see a non-American competitor that offers such a comprehensive business package, but there isn’t even a realistic American competitor at this point, Google is the closest with Google Docs/Sheets, Gmail, Google Meet, Google Drive but having used it extensively it’s still falls short of what Microsoft is doing and of course it’s also American.
If you need to sign up to 6 different companies to get the same functionality coverage it’s never going to be as integrated, as easy to use, or as cheap.
You can not run enterprise business functions on a pi unless your “enterprise” is made up of a single user.
Even something like basic video steaming for internal training videos would kill it due to encoding issues. Let alone the impact from one service affecting others like a user file transfer affecting the speed of messaging or email, or a complex database activity momentarily taking out your task management application.
You would need a dozen of them for splitting services and redundancy, then a UPS and redundant internet connections. It would end up costing you a few thousand dollars just in hardware before you even started paying someone to set it up and keep it running.
We selfhost a lot for work. Was paid services before but cost kept creeping up. Companies have IT anyway, so it is really not a huge expense to manage your own services.
It’s really unfortunate, but this is completely true. Microsoft has a virtual monopoly on the integrated business suite, and between cost and ease of use, nobody else, nor any combination of competitors, is even close.
Linux/libre-software user since 2006. Stop funding this hostile foreign power. It is in Canadians best interest to get out from under the autocratic techno-elite paradigm. Embrace freedom, leave your serfdom behind.
Microsoft is currently robbing Canadians.
Every year, they are overcharging the Federal Government, Provinces, Cities, Universities, Hospitals and Small Business owners for the right to use Microsoft Office. They make 40% margins. It’s absolutely disgusting.
Microsoft has basically managed to tax every single Canadian.
If you go to a Canadian University, whether you like it or not, you are paying the Microsoft tax. Because your tuition is paying Microsoft. If you pay provincial taxes, you pay the Microsoft Tax. Whether you like it or not, the provinces are paying Microsoft. If you go buy food at the supermarket, whether you like it or not, you are paying the Microsoft tax. Because Canadian supermarket companies are paying Microsoft. You want to buy a bus ticket ? You are paying Microsoft. The Bus company is paying Microsoft.
It’s parasitism. Microsoft is a parasite that feeds on the Canadian economy.
I now use Libre Office.
👉 https://www.libreoffice.org/
It’s a wonderful alternative to Microsoft Office. It’s free, secure, and developed by a non-profit organization that I financially support. I urge people to switch to Libre Office instead of Word/Excel/PowerPoint.
After a few days, you quickly get used to it. Then you just wonder "Why we are all paying Microsoft so much money in the first place?".
We need Canadian institutions, small and big, to do the same. Stop paying the Microsoft tax. Fight the Parasite.
Don’t forget to stop using your credit cards! They’re all American an take a percent of all transactions.
Yes, Interac debit is an alternative in many situations, and that’s a Canadian company.
i don’t get cashback on debit
Cashback is stealing from the poor to give to the rich.
I have a CC while being an EU citizen. Main reason is calamity while traveling, it’s just accepted at so many places so it could bail me out. I still buy 99,99 % of my stuff debit though, I don’t need most purchases ensured, also i don’t like doing my finances one month behind, I like it one month ahead, so paying my CC bills after 30 days is a net negative for me.
Do I understand correctly that ‘cashback’ is the fact that if you return stuff, you get the refund cash and not wired to your account/digitally put back on the debit card? If so, can you explain the importance of that for your situation? If not, could you explain to me what ‘cashback’ means in this context?
No, cashback is literally a “use this credit card and we’ll give you 1% of your money back as a reward” then they charge the vendor 3% to process the transaction.
but you can easily get more than 1%. You can easily get 4% for stuff like gas and groceries. It adds up to quite a bit over the course of a year
Yes and no, those rewards increase the prices charged by the retailer.
Then the credit card company’s ban charging extra to cover that.
It’s inherently a monopolistic exploit.
Oh, ok… gosh… Thanks for explaining.
I’m not the person you were asking, but:
Source: https://www.ratehub.ca/blog/best-cash-back-credit-cards-in-canada/
Of course, they wouldn’t be doing this if you weren’t paying them at least the refunded amount somewhere else - through fees, or through people’s average interest payments, or through price increases applied by the stores to cover the fees they pay to the credit card companies.
Are there no Canadian financial institutions capable of launching their own cards and payment processors? That seems like a pretty big issue if the US is still skimming money off of each Buy Canadian purchase made by any medium other than cash.
All the Canadian banks should start a joint venture for a Canadian credit card.
The banks do take a hefty cut of that transaction fee, and visa/mastercard get a smaller cut. But that’s still a lot of money going to the US for no reason.
We do have Interac here in Canada which charges a few cents instead of a percent, and it’s Canadian.
I’m going to take a slightly more nuanced take on this as someone who works in the enterprise software ecosystem.
Microsoft doesn’t just sell office to the government or university anymore. Their Microsoft 365 subscriptions include e-mail, office, intranets, communications, security, collaboration tools, and even more.
You can replace the office part with Libre Office no issues, and for home use I would absolutely recommend that instead of paying for a Microsoft license, but the moment you need to start building your own e-mail servers, file sharing systems, getting software for messaging and video calls, etc. the price (software, hardware, maintenance, tech support) goes up to well above what Microsoft charges.
Unfortunately, Microsoft provides decent value.
I’d love to see a non-American competitor that offers such a comprehensive business package, but there isn’t even a realistic American competitor at this point, Google is the closest with Google Docs/Sheets, Gmail, Google Meet, Google Drive but having used it extensively it’s still falls short of what Microsoft is doing and of course it’s also American.
If you need to sign up to 6 different companies to get the same functionality coverage it’s never going to be as integrated, as easy to use, or as cheap.
Many of the things you listed are available as free software through opensource projects. Microsoft just bundles it all making it easy.
And runs the server required stuff on their own hardware.
I mentioned this in my comment.
Which is cheap. You can run a lot on a pi these days. Or setup a higher powered nuc. MS chargers for server and now named user licenses.
You can not run enterprise business functions on a pi unless your “enterprise” is made up of a single user.
Even something like basic video steaming for internal training videos would kill it due to encoding issues. Let alone the impact from one service affecting others like a user file transfer affecting the speed of messaging or email, or a complex database activity momentarily taking out your task management application.
You would need a dozen of them for splitting services and redundancy, then a UPS and redundant internet connections. It would end up costing you a few thousand dollars just in hardware before you even started paying someone to set it up and keep it running.
We selfhost a lot for work. Was paid services before but cost kept creeping up. Companies have IT anyway, so it is really not a huge expense to manage your own services.
It’s really unfortunate, but this is completely true. Microsoft has a virtual monopoly on the integrated business suite, and between cost and ease of use, nobody else, nor any combination of competitors, is even close.
Linux/libre-software user since 2006. Stop funding this hostile foreign power. It is in Canadians best interest to get out from under the autocratic techno-elite paradigm. Embrace freedom, leave your serfdom behind.
I dual boot Linux and haven’t touched my Windows partition since this all began.
My small form of protest haha. And you’re right, Libre Office is sufficient for my needs.