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Ken

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Everything posted by Ken

  1. With Liz Truss' famous grasp of geography the markets may need to worry about where in the world (or even which world) she's moving the UK to.
  2. You do of course have the option to deposit your money in more than one place (and even in more than one country/currency) if they'll only give you the maximum rate on a smaller balance and if you are concerned about what's going to happen to exchange rates.
  3. But we can't alert the site to it when we can't get in. When we can get back in is only after they've found and fixed the problem.
  4. Actually the issue isn't whether or not the lease is to a member of your family but whether or not the rental income is at an arms length price. Usually that means paying an independent valuer to assess the rent if it's let to a family member.
  5. Use a service like Wise (there are many transfer companies to choose from but I find them the easiest to use) and you'll receive a lot more dollars in your account than if your sister just transfers from her bank straight to your Australian bank account.
  6. Can I Watch Prime Video If I Travel Abroad? Amazon Prime members are able to stream selected Amazon Originals titles while outside of their home country. Outside of your home country, a reduced selection of Prime Video titles is available to stream. A selection marked "Watch While Abroad" shows the available titles. If you have a compatible device, you’re able to download titles before you travel in order to watch offline anywhere in the world. Change your Amazon Account Country If you are eligible to purchase digital content from another country, you can transfer your qualifying digital purchases to your Amazon account in that country. To transfer your Amazon account to another country or region, go to: Manage Your Content and Devices Transferring your Amazon account to another country or region transfers your digital content to the new account. It also allows you to purchase content from the Kindle Store in your local currency. You can transfer your account to the previous country or region at any time as long as you have an active billing address for that country. Important: If you create a new Amazon account instead of transferring the existing account, purchases won't be shared between the accounts. You’ll have separate login credentials for each account. Note: It’s not possible to transfer an Amazon.co.jp or Amazon.cn account to another country or region. To transfer your account from your existing country to another: Go to Manage Your Content and Devices and click Preferences. Click Change under Country Settings. Select or enter your address, and click Update. If you are eligible to purchase digital content from another country, follow the on-screen prompts to learn more about what will happen if you transfer your Amazon account. When you’re ready, select the option to transfer your account to complete the process. You can reverse your transfer by redoing the steps above.
  7. Can I watch Disney+ when I am travelling abroad? When you are travelling overseas, you can watch any downloaded content in offline mode. If you are overseas and online where Disney+ is available, you will be able to stream content that is available in that region. When you travel, you will be logged into the Disney+ service available in the country where you are travelling (for example, if you are an Australian customer and you travel to the United States, you will access the United States service while travelling). Access while travelling is subject to: the Disney+ service being available in the country where you are travelling; and data limits, roaming charges and other travel-related charges that may be applicable on your computer or mobile device. Content downloaded to your device will be accessible regardless of which country you are travelling in, however access may be subject to data limits, roaming charges and other travel-related charges that may be applicable on your computer or mobile device.
  8. Traveling or moving with Netflix While Netflix is primarily meant to be used in the country where you established your account, it can be accessed in over 190 countries around the world. If you're temporarily traveling, or moving within your current country or to a new one, here are a few things to keep in mind. Using Netflix while traveling Moving within your current country Moving to a new country If you are moving to a new country where Netflix is available, there are a few things to be aware of: Monthly price, billing currency, and available payment methods vary by country. You will continue to be charged the Netflix plan price in the currency of the country you signed up in. If you wish to change this to match the country you moved to: Cancel your account NOTE: We save your Viewing Activity for 10 months after your account closes, so you can pick up where you left off when you rejoin. Your recommendations, ratings, and account details will also be saved for 10 months. Wait until the end of your billing period Restart your account (Note: you must be in the country you moved to at the time you restart your account) Your selection of TV shows and movies may change. Your choices for streaming and downloading will vary from country to country. Audio and subtitle options may change. Maturity ratings are different by country. Your parental control settings may need to be updated. If you wish to update the maturity ratings on your profile to match those in the country you moved to, cancel and restart your account in your new country. If your account was set up with age verification, cancel and restart your account in your new country. If you receive the Now on Netflix emails and move to a new country, the email will still show TV shows and movies for the country you signed up in. You can unsubscribe from it from your Communications settings. If you are moving to a geographic location where Netflix isn't available, you may cancel your Account. Unless you’ve recently moved, you cannot change the country for your account. For troubleshooting questions, visit Netflix thinks I’m in a different country.
  9. Normally your partner would be at a disadvantage compared to a candidate who doesn't have a status that leaves a worry if they can stay long term, but (depending on their skill set and the location) employers can't be as picky in the current market.
  10. Might be quicker as there's no telling how long it will take HMRC to cancel the cheque and make the payment. Presumably you've sorted a way for your family member to transfer the money to you without losing a chunk in bank charges?
  11. You could open an account with Wise. They don't take cheques but they do give you a UK sort-code and account number (as well as Australian, Belgian for your Euro and US for USD account details should you need them). Unfortunately you would need to return the cheque to HMRC and ask them to deposit into your "UK" bank account. Definitely would be the cheapest way of converting your cheque into AUD too as even if you find a bank that will still accept a foreign cheque it's going to charge a fortune to do so.
  12. Why would the NHS write to someone in Australia?
  13. You've got it all backwards. They turned you down because it's obvious that you are never going to borrow any money on that card. There's no profit in it for the bank if you aren't going to pay their extortionate interest rate. Yes they make a little bit from the vendors when you make a purchase - but they'll still do that if you use your debit card and they don't need to share that with the airmiles company.
  14. A UK limited company is probably not the best way to do it as you'll have all the usual tax issues for the company (possibly complicated by having a non-resident director) and they'll have to register in Australia to comply with Australian payroll requirements. Most UK companies would pay someone in Australia as a contractor to avoid needing to operate an Australian payroll. Of course if your UK turnover is over the VAT threshold you'll have UK tax implications anyway. A sole trader in Australia is the simplest option (or an Australian company if you want to keep the liability at arms length) and if under the VAT threshold wouldn't need anything to be done in the UK. Note that to get Australian bookkeeping clients you will need to register with the Tax Practitioners Board as a BAS agent. It's illegal to give paid advice related to Australian tax (even on how to enter a GST transaction in an accounting ledger) if unregistered. Check their requirements for registration there's quite a lot of hoops to jump through.
  15. Ken

    Cost of living

    Yes you can get Extras policies without hospital cover - but finding one that will cover all you Dental and optical (with or without hospital cover) is very difficult. Most have caps of only a few hundred dollars. Enough for check ups but not if you need anything done.
  16. Also if you take out hospital cover insurance within one year of moving to Australia you are exempted from lifetime loading. And once you've paid the loading for 10 years you don't have to pay it any more.
  17. A bank would probably be willing to give you an agreement in principle. What happens though is that to actually get your mortgage it has to go through the full approval process and have the loan agreed by the underwriters. If you are still in a probationary period at that point I think it would be a problem but if you can time it so that doesn't happen I can't see why you wouldn't be able to get the ball rolling before hand. Always make sure that if you make an offer on a property that it's clearly "subject to finance" even when you have got an agreement in principle since there's no obligation on the bank to follow through on those agreements. PS: I notice your user name is "Ausvisitor". I hope that's not an indication of your visa status or you won't be getting a mortgage!
  18. "To the best of my knowledge, the department and all the councils are working to their full capacity"? I can't see how that can be true. Your own schedule shows they are only holding ceremonies on Tuesdays and not even on every Tuesday. That's an awful lot of spare capacity once you realise there are 6 other days of the week.
  19. Even the UK favourite Sage is now available in Australia - although it's got a very small market share. The big players are Xero, MYOB, QuickBooks and Reckon (which was derived from QuickBooks as they were once the Australian licensee for the product).
  20. While on occasions you need a professional qualification the Australians don't rate them. In my profession the highest qualification you can have in the UK is Chartered Accountant. The technical term in the UK for an accountant who has a degree but hasn't yet taken any professional exams is "unqualified accountant". In Australia however my bachelor degree counts as a higher qualification than the professional qualification whenever I'm are asked to list my highest qualifications (I've now also got a Graduate Diploma which is higher than the bachelor degree but would still be considered lower than the Professional qualification in the UK).
  21. It depends upon whether or not you've been overseas. If you have been since you got your PR and spent more that a certain time in one country (I forget how long) you'll have been asked for an overseas police check from that country as part of the application. I needed a UK police check as I lived in the UK for another 3 years after getting PR. You don't need to submit an Australian police check. They run those for all applicants automatically.
  22. You can talk about many things. But you can't charge a fee for tax advice in Australia unless you are registered with the Tax Practitioners Board (and no you can't get around that by claiming the tax advice came free with the financial services advice you charged for). Similarly you can't give financial advice unless you are licenced to do so. In some areas there's a lot more red tape in Australia than there is in the UK.
  23. You probably need to work out if your need is more pressing for a financial advisor or a tax advisor. Financial advisors are not allowed to give advice about tax and Tax advisors are very limited in the amount of financial advice they are allowed to give (and very few have knowledge of both Australian and UK tax). Some bigger firms do employ both types of advisors but then you still have to talk to two (or more) different people.
  24. One thing that happens is that a whole new year's quota opens up. This means if someone hasn't been granted a visa purely because the quota has been used up there's a chance that it will be granted on 1st July. This used to be a regular occurrence (my visa for example was granted on 1 July 2009 and emailed out just after midnight - it was still lunchtime on 30th June in the UK when I received it) but of course there have been so many changes to the system since then that might no longer be the case (I don't even know if EOIs have quotas but I suspect they do).
  25. There is a double taxation agreement with Ireland and under the terms of that a pension is only taxable in the country that the recipient resides. Because on a 600 visa the person is a visitor (even where it is a long visit) I would presume they would not become an Australian resident for tax purposes and so as a resident of Ireland the pension would only be taxable in Ireland. I would however expect that the temporary parent visa would be seen differently (if you showed an intent to remain in Australia and had set up home in Australia and had sold or rented out your home in Ireland) and that you would be treated as no longer residing in Ireland and residing in Australia (for tax purposes) instead. As such you would be taxed in Australia and pay no tax in Ireland. Ultimately though it's up to the courts to decide who is and who isn't an Australian Resident for tax purposes. At one time the holder of a Working Holiday Visa was always assumed to be non-resident but the courts threw a spanner in the works of that assumption by saying in certain circumstances a WHV holder can be an Australian Resident. You have to look at all the facts in each case and not just at what type of Visa. For example you could have a temporary parent visa but show no intent to remain in Australia and continue to maintain a home in Ireland. As to the second part of your question - that would depend upon how much the Pension is. PS: Just read up about the 870 visa - it's a different visa to I was thinking of (which is the one that leads on to Permanent Residency) but I don't think it changes the above much. Even if it's only extendable for 10 years you can still be a resident in that period but all the circumstances need to be looked at.
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