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Cerberus1 last won the day on March 25 2017

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About Cerberus1

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  1. Aussie weather

    Only about 35 here today, which is probably why I'd to take electric blanket into hospital for @The Pom Queen
  2. advice required in getting job

    Cornerstone Medical Recruitment are in Brisbane - https://www.cmr.com.au/ General job sites such as seek - https://www.seek.com.au/medical-administrator-jobs/in-All-Brisbane-QLD UnitingCare Health - http://unitingcarehealth.com.au/careers Hopefully other members should be able to assist with other sites/ideas.
  3. Travel Insurance

    Hi If you're from the UK, then, as the UK and Australia has a reciprocal health care agreement, you would be covered for: medically necessary care out of hospital medically necessary care as a public patient in a public hospital prescription medicines at a lower price - this is the general rate for drugs in the Pharmaceutical Benefits Scheme among the things you wouldn't be covered for: care that isn’t clinically essential medicines that aren’t in the Pharmaceutical Benefits Scheme private hospital care public hospital care as a private patient ambulance travel dental care unless it’s in the Chronic Disease Management scheme care from a physiotherapist, occupational therapist, speech therapist, eye therapist, chiropractor, podiatrist or psychologist unless it’s in the Chronic Disease Management scheme glasses and contact lenses costs someone else is responsible for - for example an insurer, employer or government agency There are other things which aren't covered as well. Have a look at https://www.humanservices.gov.au/individuals/enablers/rhca-medical-care-visitors-australia http://www.go-walkabout.co.uk/ do specialist travel insurance for backpackers and people on Working Holidays. Both their backpacker & Working Holiday policies do cover for emergency Medical Expenses outside home country. I'd make sure you covered for ambulance cover if possible as that potentially can run into thousands in some states (especially if Air Ambulance is required).
  4. Australia's household debt to income ratio has hit nearly 200 per cent, a level UBS analysts have called "extremely elevated" and "one of the highest in the world". Total household liabilities have been revised upwards to $2.466 trillion, or 199.7 per cent of disposable income, by Australian Bureau of Statistics. The revision was due to higher debt held within self-managed super funds, as the ABS is now incorporating new data from Australian Prudential Regulation Authority in its national accounts numbers. UBS analysts expect households to become even more leveraged over the next one to two years, as income growth remains subdued. "We expect total household debt to disposable income to peak around 205 per cent before the slow deleveraging process begins," analysts Jonathan Mott and Rachel Bentvelzen wrote. As house prices continue to cool, particularly in Sydney, the UBS analysts see a number of brakes on the property market as "the housing bubble begins to deflate". These include APRA's crackdown on interest only loans and the banks moving to improve lending standards amid scrutiny over "liar loans". "Sentiment for investment into the housing market is waning, with the 'fear of missing out' euphoria fading quickly, especially in Sydney," the analysts wrote. "Further, affordability remains a material issue."
  5. According to the latest 'Cost of Living Index' (compiled by price aggregation website Numbeo.com), many Australian capital cities have become more expensive over the past year compared to the rest of the world. Australia's most expensive city — Sydney — has risen to number 32 in this year's Cost of Living Index, up from 41 last year. Melbourne rose to 64, up from 77, while Adelaide, Cairns, Hobart and Canberra also moved up the list to 58, 69, 82 and 103 respectively. Only Perth (56), Darwin (68) and Brisbane (93) have become more affordable. The UNSW Business School's Professor Kristy Muir, chief of the Centre for Social Impact, said although we have had a "couple of decades of the strongest growth in GDP" and are seeing low inflation rates around the country, "day to day this doesn't reflect individuals' household living expenses". "The cost of living for people on welfare is particularly challenging because you have a limited amount of income coming in, and yet your expenses have increased. "Housing has gone up, whether you're paying rent or whether you're paying mortgages. "The amount of money people are spending on housing has gone up relative to increases in wages or wage growth." But Professor Muir said it was important to realise that not all of those who live in poverty were unemployed. "One in three people who are living in poverty actually have wages, so we have challenges not just about how we make sure people have jobs, but we also want people to have stable jobs," she said. "We want them to have jobs that are secure, and we need them to be able to get the amount of hours to be able to work to cover their living costs." The top 10 most expensive countries has remained largely unchanged over the past 12 months, with Hamilton in Bermuda hanging onto the top spot and Swiss cities including Zurich, Geneva, Basel and Bern dominating the top 10. New York came in at number 14, with Tokyo at 21 and Paris at 23. At 42 on the list was London, which again ranked more affordable than Sydney. The index, which uses New York prices as a benchmark, showed the cost of living in Sydney it was 91 per cent of New York's and in London it was 89 per cent. Nationally, the Numbeo report found costs like groceries, rent and restaurant prices were most expensive in Sydney and Darwin, while cities like Hobart, Cairns and the Gold Coast had some of the cheapest.
  6. Australia's jobs boom has extended to its 15th consecutive month growth, the longest unbroken period of growth recorded by the Australian Bureau of Statistics. In seasonally adjusted terms, 35,000 new jobs were added in December, well ahead of the median economist forecast of 15,000. In the past 12 months, around 400,000 new jobs have been added. However, unemployment in December also ticked up a notch to 5.5 per cent as more people looked for work, pushing the participation rate up to a seven-year high of 65.7 per cent. The growth was split between 15,100 full-time positions and 19,500 part-time jobs in December, although over the year 300,000 full-time jobs have been created compared to 100,000 extra part-time positions. Job prospects for women were brighter over the year as well, with the number of women in work rising by 240,000 and the number of males in work up by only 160,000. However, with part-time work growth outpacing full-time in December, average hours worked fell over the month, as did hours worked per employee. Capital Economics analyst Paul Dales said, while there was some "softness" in the figures, the overall picture is bright, with the unemployment rate easing back from the 5.7 per cent recorded at the start of 2017. "Looking ahead, other indicators suggest further progress will be made this year, albeit jobs growth will probably come off the boil a bit," Mr Dales said. "The labour market will drive a modest rebound in real income growth this year, but more needs to be achieved before wage growth rises meaningfully." Source: http://www.abc.net.au/news/2018-01-18/unemployment-december-2017/9338664
  7. Aussie Broadband Worst in World

    Hi I live rural now, about 100km outside Brisbane in the Lockyer Valley. I connect to the NBN via fixed wireless (which is like a small satellite dish on the roof which points towards the nearest nbn tower). Despite being a fair distance from the tower, lots of trees in the way etc, I can hit 40+Mbps off peak and probably 25+Mbps peak (both of which are fast enough to stream 4k). In Brisbane, you'd be more likley to be on a Fibre to The Node connection (or Fibre to the Premises if you were really lucky). There's lots in the news at the moment about Fibre to the Node as the companies advertised speeds which they knew customers couldn't receive and as such, have been investigated by the ACCC (eg https://www.accc.gov.au/media-release/telstra-offers-to-compensate-42000-customers-for-slow-nbn-speeds ) I guess the upshot is, at least you're more likely to know exactly what speed you'll be able to get in future as the companies won't be able to offer unachievable speeds. It's impossible to say what speeds you'll get as it will differ suburb to suburb and even street to street. When you're loking at properties, go onto the Telco's websites and enter the property address's and they should tell you what connection types/speeds are available. Telstra and Optus are the 2 biggest Telco's. There's also providers such as iinet, TPG etc.We're with Optus
  8. Aussie Broadband Worst in World

    It's an important decision when you work from home. When we moved over, he bought a fantastic house, only to be discover there were no ADSL ports available and all we could get was ISDN - which would make running a business from home impossible. Fortunately after writing to various elected representatives and kicking up enough fuss, I was able to get ADSL.
  9. Discuss Visas and Migration Issues on our forum 3 January 2018 Invitation round The table below shows the number of invitations issued in the SkillSelect invitation round on 3 January 2018. Invitations issued on 3 January 2018 Visa Subclass Number Skilled - Independent (subclass 189) 300 Skilled Regional (Provisional) (subclass 489) 5 During 2017-18 program year the following numbers of invitations have been issued: Invitations issued during 2017-18 program year Visa subclass Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May June Total Skilled - Independent (subclass 189) 2000 2000 3500 2500 1400 600 300 12300 Skilled – Regional Provisional (subclass 489) 210 256 93 57 10 10 5 641 Total 2210 2256 3593 2557 1410 610 305 12941 The above figures do not include invitations issued for State and Territory Government nominated visa subclasses. State and Territory Governments nominate throughout the month for specific points tested skilled migration and business innovation and investment visas. 3 January 2018 results The following graph shows the points for clients who were invited to apply in the 3 January 2018 round. Invitation process and cut offs The highest ranked clients by points score are invited to apply for the relevant visa. For clients who have equal points scores, the time at which they reached their points score for that subclass (referred to as the date of effect) determines their order of invitation. Expressions of Interest with earlier dates of effect are invited before later dates. SkillSelect first allocates available places to Skilled – Independent visas (subclass 189) and then the remaining to Skilled – Regional (Provisional) visas (subclass 489). If all places are taken up by subclass 189 visas then there will be no invitations issued for subclass 489 visas in these occupations. Visa Subclass Points score Date of effect Skilled - Independent (subclass 189) 70 21/09/2017 6:52 pm Skilled - Regional Provisional (subclass 489) 80 10/11/2017 9:08 pm Due to high levels of demand, and in keeping with previous years, the below occupation groups will be subject to pro rata arrangements to ensure availability of invitations across the program year. Point scores and the dates of effect cut off for the pro rata occupations in the 3 January 2018 invitation round. Occupation ID Description Points score Date of effect 2211 Accountants N/A N/A 2212 Auditors, Company Secretaries and Corporate Treasurers 75 13/09/2017 10:51 am 2334 Electronics Engineer 70 20/09/2017 11:47 pm 2335 Industrial, Mechanical and Production Engineers 75 02/01/2018 11:00 pm 2339 Other Engineering Professionals 70 31/10/2016 5:37 pm 2611 ICT Business and System Analysts 70 30/08/2017 12:03 am 2613 Software and Applications Programers 70 21/09/2017 6:50 pm 2631 Computer Network Professionals 70 21/09/2017 6:52 pm The minimum points required to obtain an invitation to apply for a SC189 Skilled Independent Visa is currently 70. On the 03rd January 2018 Invitation Round, applicants would require a minimum of 70 points to receive an invitation to apply for a Skilled Independent visa (subclass 189). Throughout the whole of the 2017 - 2018 Migration Year, more than 60 points have been required to obtain an invitation to apply for a 189 visa. Discuss Visas and Migration Issues on our forum
  10. New data from the Housing Industry Association (HIA) shows that the overall proportion of state government revenue coming from stamp duty on property purchases is the highest it has been for ten years. The data is contained in the HIA’s latest quarterly ‘Stamp Duty Watch’ report. Highlights: The dependence of Australia’s states on stamp duty revenue has increased significantly in recent years. During 2015-16, stamp duty accounted for 26.1 percent of total state tax revenues – the highest share since 2008-09. Stamp duty dependence is highest in Victoria (30.0 percent) and NSW (28.1 percent). During December 2017, the typical stamp duty bill faced by owner occupiers across Australia was $20,587, adding an average 3.1 percent to the dwelling price. Stamp duty bills eat into homebuyer deposits, requiring them to settle for smaller homes or else take on bigger mortgage loans. In this way, stamp duty increases mortgage repayments by $1,247 per year – equivalent to over $37,000 over a 30-year loan term. Based on December 2017 prices, typical stamp duty bills were highest in Victoria ($31,970), NSW ($25,190) and the Northern Territory ($20,805). Stamp duty bills are typically lowest in Queensland ($7,175) on a median price dwelling. Dwelling prices usually increase over time but governments adjust stamp duty price brackets very infrequently. This is the problem of ‘bracket creep.’ As a result, the burden of stamp duty has grown heavier in most states including NSW, Victoria, SA, Tasmania and the NT. Stamp duty on foreign investors has been increased over the past 12 months. For the purchase of a median-priced unit, the bills are particularly high in Sydney ($91,115) and Melbourne ($74,524). Such excessive taxes risk hampering the effective operation of rental markets around the country. “Stamp duty bills have increased almost three times faster than house prices since the 1980s,” said HIA Senior Economist, Shane Garrett. “This trend will continue unless stamp duty is reformed “In Victoria, the typical stamp duty bill increased from 1.9 percent to 5.2 percent of the median dwelling price between 1982 and 2017 – equivalent to a surge of 4000 percent in the cash value of stamp duty. NSW homebuyers fared little better, with the stamp duty burden rising from 1.6 percent to 3.8 percent over the same period. “Increases in home prices cause stamp duty bills to accelerate because stamp duty rate brackets are rarely updated. This is the problem of stamp duty creep. In NSW, stamp duty rates have not been reformed since 1985, when the average house price was just $70,000,” said Mr Garrett. “State governments are compounding the housing affordability crisis. Total stamp duty revenues have almost doubled over the past four years: from $11.7 billion in 2011-12 to $20.6 billion in 2015-16. Most of this is likely to have come from residential building. “State governments are now more reliant on stamp duty revenues than at any time for a decade. This trend will continue unless they recalibrate their taxes on housing. This situation is not sustainable. The stamp duty burden is increasing under every metric: nominal dollars, real dollars, as a proportion of dwelling prices and as a share of total state revenue. “By draining the pockets of homebuyers to the tune of over $20 billion each year, stamp duty is a central pillar of the housing affordability crisis. A long plan to do away with the scourge of stamp duty would be a huge victory for housing affordability in this country,” he said. Source: https://www.governmentnews.com.au/2018/01/state-governments-relying-stamp-duty/
  11. Aussie Broadband Worst in World

    Have been happy with NBN at this house (Fixed Wireless) and previous house (FTTP)
  12. Aussie Broadband Worst in World

    The optus 4g near Greenslopes Hospital is pretty rapid, 170 Mbps during the middle of the day, that's more than 4x faster than my broadband.
  13. Aussie Broadband Worst in World

    Around $100 pm for broadband,landline & optustv box packaged together
  14. Quarantine Examination Fee $480

    I've discussed this with PSS and Liam has explained the situation (below)
  15. The Federation of Ethnic Communities’ Councils of Australia (FECCA) has said that it would welcome any recommendations of a Federal Parliamentary inquiry into migrant settlement outcomes which supported, encouraged and resourced the greater participation of migrant youth in Australian society. FECCA Chairperson Mary Patetsos said that the Organisation endorsed recommendations in a report by the Joint Standing Committee on Migration for an improved Adult Migrant English Programme and for the funding of a migrant youth mentoring scheme focused on sport and the arts. “These are positive initiatives. We also welcome the recommendation that the Jobactive Programme include an employment support service specifically designed for newly arrived and longer-term migrants,” she said. “And the suggestion that support programmes for newly arrived youth such as Youth Transition Support should be rolled out nationally is a good one,” Ms Patetsos added. However, Ms Patetsos said that FECCA was disappointed by sections of the report which place undue emphasis on crimes committed by young people born overseas. “The attempt to present certain ethnicities or cultural groups as having increased criminal tendencies is unfortunate and without basis. The widely-acclaimed success of Australia’s multicultural, diverse society is due to long-standing policies which include, embrace and support new migrants, rather than punitive measures,’ she said. Victorian Police, at their most senior level, have dismissed one so-called ‘migrant gang’ as a ‘non-entity’ she said. FECCA is the national peak body representing Australians from CALD (Culturally and Linguistically Diverse) backgrounds. FECCA’s role is to advocate and promote issues on behalf of its constituency to government, business and the broader community.