yomvard
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Hi Andy, Sorry didn't,t realise it was so complicated and needed lots of work. No they are not final salary just contributions made by my husband and the companies. They are loosing money from charges and as no more contributions have been made to any of them due to change in jobs and our move to Aus. By the time my hubby is 65 I wonder if anything will be left and as he was a low income earner, we struggled to add to each pension to try and have a decent pension when retired. Thanks for your above help Regards Sandy
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Hi Andrew, Not sure what to do. Hubby is 53,been here for 3 years and a PR. He has 3 frozen company pensions in UK not worth a lot approx 20k pounds in total. Do we combine together as one and move into his Super here, combine and leave in UK or leave as they are? Many thanks for any help. Sandy
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Feeling lonely in need of buddies
yomvard replied to tracybayliss's topic in Socialising Hobbies Clubs Sport
I have been here nearly 4 years am retired and am wanting to find good friends but have plenty passing "Hello" people, but when invite any Brits to have a tea or coffee sometime, never get a call. Trouble is, the expats have already formed their close friends and as we don,t drink, this is a drinking culture, so it makes it difficult to fit in. -
Hi Bill, We arrived end of July and live in Mr Eliza. Let us know when the next meet is as want to meet up with some new friends. Sandy
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Ok thanks for nothing. I understood this site is for help and info, but obviously only for some, such as panman ,but not all then.:huh:
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Hi Allen. Sorry to be a bit thick, but I didn't quite understand your reply:huh: We are trying to sell out main residence and leave the money in the UK when we move. We have had our visa since Sept 10. I understand we will pay UK tax on the intererst accrued but when we move the money to buy an Aus house in the next couple of years depending on the exchange rate, where do we stand with tax in Aus ? Sandy
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Hi Charlie, You are right, but the problem here in Victoria (we are here on holdiay) is that you have to exchange licences within 6 months of the date of the issue of the visa or you have to re-take the driving test. With regard to the Medicard, if you apply before you officiially reside here, you loose a Lifecover protection, so it is better to wait until then and getting pivate cover within 6 months to get the Lifecover protection. If you dont get private cover within the 6 months after getting the Medicare card, you have to pay a very high premium yourself instead of Gov. funding this for you. Hope this makes some sense. :radar::biggrin: regards Sandyii
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Hi Kelly, Most of us with kids in Aus go for either the CPV143 or the temporary 173 as this is the best route for most of us. The aged parent takes aprox 20 yrs, so no good for Dad. The 143 and 173 both ultimately cost approx £40k depending on the exchange rate, but with the 173 you only pay half to start and the rest to upgrade within 2 years. I do know you cannot apply for the 143 onshore ,but dont know about the 173. The best person to help you is Gill (Gollywobbler) who is an expert on these visas and has helped us get ours and a lot of other besides. She hopefully will pick up your post and reply quickly. I am sure there are lots of others who will help you get all info you need. Dont be afraid to ask any questions as there are many who will know the answers. Good luck Sandy
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I agree, that is what we all need the encouragement to make the jump. When we started out on this journey, the exchange rate made it seem easily possible, but now !! When in Australia it all seems possible, but coming back it is very scary.
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Hi Steve. We have just got back from validating the visa and also experienced the weather with you, especially the tropical storms over the bay. Almost as much rain in 2 weeks as we would get in UK. It came hard yesterday landing at Heathrow in -2 degrees after leaving 30 degrees even if it is raining !!! Hope you have settled in and beginning to appreciate Melbourne. regards Sandy:arghh:
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Hi Wilma, I think in your position ,as time is passing ,would be to contact your CO, either phone of e-mail and explain what is happening with Centrelink and that your stepson had been told to just fill in the forms and not have an appointment as expected and that you are worried about the time limit. I found that if you notify your CO of every move, even down to letting them know all the forms had been sent etc etc. Then they are aware of what is happening at each step and so are able to advise you. Whatever happens, they have come across every problem at some stage and I think they are there to help you get the visa asap, and so if you liase with them, they can help you. Obviously sometimes you can get a jobsworth, but on the whole I get the impression that they help you, I know ours was brilliant and replied to e-mails within 2 days for any queries we had about what to do. Good luck,let me know how things go. regards Sandy
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Hi Wilma, I expect lots of people will reply for you, but just in case... Heres what we did. Arranged to send the money across to our sons account via Hifx and he made an appointment with Centrelink for assessment to be a sponsor. After being accepted, he had to open a bank account with Commonwealth Bank, who will guided him through the details. Once the money has been depositied in the account , he go a receipt and made another appointment with Centrelink again. By then the bank had notified Centrelink that the account has been opened. Centrelink then agreed for our son to be the sponsor and notify our CO and all is done. Bit fiddly for your SIL but just another step in the process. He will need to take details of his income and the forms for sponsorship duly filled in. In the meantime you do the rest of forms and send to CO as asked. You might be able to get an extension if Centrelink cant give a quick appointment for your SIL, they differ from state to state how quick they can process this. Good luck :biggrin:
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Hi Kirtsy, I have MS and am in a wheelchair and have just been granted a CPV143. Medical issues are a worry but we frontloaded(meaning had the meds done with a appointed medical doctor) and sent them for clearance just after we had applied and had the acknowledgement number. They were cleared within a week after having been refered to Sydney, so we proceeded with the necessary wait and final medical 16 months later. We did not use an agent as we had been told by a very expensive agent in Melbourne that it would be very unlikely to get a visa due to my medical condition. It turns out that is not necessarily the case, as I have proved, it depends on whether your Mum is able to care for herself on a day to day basis without incurring the possibility of costing the Aussie govt big dollars in the next 5years. The lady to help you with the info you need with be Gill (Gollywobbler) who is a mine of information on the CPV143 and who gave us the courage to go for it. Hopefully she will pick up your thread and help you. Good luck and be hopeful!! Also the CPV143 gives full access to Medicare but not benefits (not for 10 years ) regards Sandy
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Hi Cakey and Phoebe, We are in the same position as my husband is a cleaner here and hoping to do the same to support us in Aus. Both my sons have been in Aus for 10years and keep assuring us that there are plenty of jobs and especially for older people as it is normal for older people to work later as most of the benefits are hard to get and most are means tested anyway. At first when we went over there I was horrified to see pension aged and disabled people working in shops, on the streets selling things and outside shops shouting their wares. However is seems to be a normal thing as oldies work much later than here. So going on this, then employers must also hire oldies musn't they? regards Sandy
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DIY - a tip for those about to make the move...
yomvard replied to dorsetemma's topic in Shipping and Removals
Hi, I am just starting the quote process so could you PM me with the name and details of both companies. Many thanks Sandy