Hi Gill & Jo
Gill - you need not necessarily wait for 2 complete years (never mind tax years) before making your application. The issue is whether the Sponsor is "settled" in Oz, which is a question of fact, not a function of time.
It was a bit different for Jo & Caz because the Sponsor MUST have
PR in Oz before the CP application was submitted. Waiting for Jo's
PR to come through was really what held Caz up and it was just a coincidence, more than anything else, that because of Jgetting o's
PR they ended up waiting for 2 years.
As long as two complete Tax Years will heve been completed by the Sponsor by the time the POPC get round to asking for the AoS, and the TABs for both years are available to give to Centrelink, this bit will not be a problem for you. Bear in mind that waiting times to get to that stage are likely to increase because of the increasing demand for CP visas.
Yes, your son and his wife can provide a joint AoS if they wish, BUT one always has to consider the Spouse-in-Law's wn Parents or other relatives in such a situation. The reason is because an individual providing an AoS can only provide it for a maximum of 2 adults at any time, and that restriction remains in place for the wole life of the Aos - which is 10 years in this case.
So your daughter in law should think very carefully about her own family before she agrees to Assure you. Your son and a friend of his could jointly Assure you istead, if need be, so that we do not muddy the water for your D-i-L's own rellies and then she and another friend could do the same for her own family.
CAVEAT: Always, always ALWAYS ensure that you know who is going to provide the AOS and that they can meet the financial thresholds BEFORE submitting any visa application for which an AoS is required.
To discover the annual increase in the income threashold for the AoS, keep an eye on the Go Matilda website in early July each year. Alan gets the info from somewhere (I know not where) and publishes it on GM. Because Alan is a Chartered Accountant as well as an RMA, when he re-works the figures based on the new thresholds, we can all trust him to be right.
Yep, although the Assurer is the one who has to be seen to give the $10,000 to Centrelink - and technically the Parent has made the Assurer a gift, not a loan, of that money (unless some fancy legal fotwork is done) - in practice it is usually the Parent who provides the $10,000 to the Assurer.. This does not cause any tax-implications for the Assurer as long as the Assurer then uses the money to benefit the Parent who gave it to him.
Does this help?
Cheers
Gill