Tea4two

Research, research, research, understand the industry sector, develop business case, talk to finance providers.

 

I wouldn't imagine that it's easier to start a business in Aus when you are not in Aus.

We would be back in Aus to apply and start the business, been in UK few months and trying to decide whether to come back or not. We have jobs there but I have also been offered an oil and gas job here. Not going back to Aus just to work for employers again though its just not enough for us. Thanks

Hi

We might be looking to borrow around one hundred thousand to start a new Accommodation business.

We already have a mortgage and are just wondering how easy or hard it would be to get the loan? We have a very good idea but no previous business in Aus only employed at the moment. Actually we are back in the UK and this might decide whether we come back or not. Thanks

I'm glad you aren't having a go at me because you'll see from my original post that I was merely asking what my rights are

Our trip is actually a 'see how we go' trip where we will decide whether we stay at home or not so it's a little more complicated than just being a case of a standard visit. My hubby has paid his stamp while we have been away and I'd be happy to backdate my payments. I'm just keen to make sure my baby girl is sorted, whether I have to pay or not

I will be registering with my local GP - I might ask a family member to ask for me to see what I need to do etc.

Thanks for everyone's help and advice xx

Hi all

My daughter was born in OZ just a few weeks ago and I wondered whether anyone can advise what I need to do to register her birth in the UK. I have an Australian birth cert for her but wondered what I need to do UK wise. I also would like to know if she is an Australian citizen?? - we are both permanent residents.

Thanks in advance.

Hi there,

I've just had a baby and we are going home to visit and introduce our daughter to family and friends. We are going back for 3-4 months and during that time my daughter will need her immunisations (second batch) and perhaps midwife visits. Does anyone know if I can just go to my normal doctors and do this or am I considered an overseas visitor? I haven't paid my NI stamp for two years - not sure if that's relevant. I know OZ have a reciprocal agreement with the UK but just wondered what my rights are as a UK citizen.

Thanks

xx

If you left the country on a pr visa it doesn't last forever, so maybe you just have to wait for it to expire???

This is what I was thinking. If we lave within our first 5 years and don't get an extension for the RRV then we can no longer return but I'll certainly bring this up with the financial advisor and see what he thinks x

But the consensus is that you need at least $250k super balance to make it worthwhile setting up and maintaining a SMSF.

 

Unlikely that the OP has that sort of money in super after only a couple of years here.

Hehe but I wish!

I’ve no interest in getting into an argument and I agree with you that there should be an official way of revoking residency or transferring your pension overseas. You spent a lot of time and money getting the permanent residency so that you could get the exact same rights as an Australian and that’s what you’ve gotten, for better or worse.

 

Unfortunately there’s no a la carte residency where we can choose the best bits of each countries laws so we have to just accept that some things won’t work out the way we wanted. I’m going to have the exact same issues as you when I return home but I accepted this when I signed up for it.

 

It is still your money; it’s still there and you still have complete control over where it’s invested. Any pension you build up in the UK will be the same, you won’t be able to access it until retirement.

Again Mark, I wasn't asking for judgement on what I knew or didn't know know before I came here. I was asking for advice if anyone knew any loopholes etc. I've advised why I don't want it sat here its messy, the exchange rate could be worse then but you aren't listening, just judging. I've not taken this to my local councillor shouting and screaming - I've posted a bloody thread on poms in OZ. I am aware that if there are no loopholes I'll have to suck it up.

Yes that is confusing but looking at the ATO website it would seem clear? I think we will get some financial advice so we know if there are any loopholes people aren't aware of then I'll post to advise what they say Thanks

Thanks for that Ronan, I'll try contacting mine directly and see what the advice is also. Thanks

Which is exactly why I said if we give up our PR status therefore they don't have to take our word for it, we wouldn't be able to come back. And if we did it would be by applying again and starting the PR process again... Which those on a temp visa can do also.

you know nothing about my attitude. I have never expected anything from this country other than what I make of it. And the only thing Australia owes me is MY super that I paid. We came here off our own back, paying PR fees and tests and we didn't go for the route of having an employer give us support to move here. We didn't expect anything from anyone. But I can criticise and question legislation if I like...favouring the UK system over this one. It doesn't mean my attitude is wrong or I expect something for nothing.

You can’t compare your situation with your husband’s cousins as he was on a TEMPORARY visa. You chose to get a PERMANENT visa which puts you in the same boat as any other Australian. The clue is in the name. Pretty much every civilised country has similar rules regarding pensions. Usually after a couple of years it’s inaccessible until retirement. Yes you’ve worked for this money but you’re going to get a benefit from it (tax-free) when you retire. If you don’t keep track of it then that’s your own problem.

 

It’s not a money making scam. If anything the Government are losing money on Super with all the tax breaks etc. The reason you can’t transfer to a UK pension is because they are very different systems in terms of tax relief so it’s not like for like.

 

Having said all that, there are I believe ways of accessing your Super if you are prepared to relinquish your PR. I think it involves submitting a case to the Tax commissioner and then you need your Super fund to comply too. It’s pretty complicated but if you’ve a large sum it may be worth getting professional legal advice on it.

Thanks for the helpful last paragraph. Why people on here think they can be so patronising is beyond me. "The clue is in the name". I'm well aware chief of the differences having gone through the system ourselves. But why can't I compare? If he can get his back when he leaves permanently so should we when we leave permanently...in whatever way they see fit. Whether that's to tax the hell out of it first I don't care. But I don't want two years worth of a pension in another country. Say what you like but OZ is a money making scamming country. We paid so much to get here and rules like this (which we have already found don't apply in the UK as they let you transfer it to another country) only reinforce what we think. My opinion and no smart talking judgemental POI members can change that. I don't think we will ask for advice on this forum again... All you get is sarcy, judgemental people who offer no helpful advice at all.

No Rupert you are seeing the small picture on this. When we leave OZ we want our super to come with us which is very reasonable if we have no intent to return. That is why temp visa holders can get theirs (in cash may I add) when they leave...because they are not intending to be in this country when they retire. It is absolutely not unreasonable to expect the same if I give up my PR visa. Who wants 2 yrs+ of super sat in an account in another country! It doesn't make sense.

My husband gave the example of buying a house because his cousin will be able to do exactly that. However we would be happy to have the money transferred to our UK pension. And in fact I got a rebate of my government pension after working on a contract of less than two years in the UK to fund part of the move here. I could do that as we have been savvy with other investments in the UK and have no retirement worries thank you.

Don't preach to me about the purpose of a pension (especially not boats etc as this was never mentioned) when the issue here is why it would be reasonable to have your super in another country you have no intention of retiring in...I'll tell you why, because its another money making scan. They hope you forget about it as its so insignificant and it will go unclaimed which means it will go straight to the Australian taxation office according to the advert on TV at the moment. It isn't money the government has given me, it's money that I have worked for and as such should be able to transfer it to my chosen pension when I leave the country. Simple.

Wow everyone thank you for all your replies, I appreciate each one of them!

 

We didn't have a particular place in mind, just to be nearer to family (both live in different parts of uk - east anglia and midlands), we missed the culture, missed the green/countryside/woodlands, ease of getting to other places, familiarity etc.

We lived in Manchester for many years for uni/after uni which was great and so now we are seeing our families we are unfamiliar with our old 'home towns' as it were.

We are starting our own business (internet based stuff - so no need to be in a set location) and so we have no need to base ourselves anywhere. We had jobs in Melbourne so i suppose it is strange not doing that, it is a big change for us, new country and new business.

 

Bristol is a consideration, i like the independent shops and the vibe there, only been once so will have to check it out properly.

 

I know comparing is terrible but i suppose it can't be helped. We are in East Anglia atm and it has been grey almost everyday, a hint of sun here and there but if you blink you miss it. Now i hated the oppressive sun in Melbourne when it was hot, but honestly, i think the grey has just shocked me as it hasn't relented and this is summer!

I am jet lagged a touch and need to get out there! It's hard feeling a bit lost in somewhere you thought was 'home'. I suppose home is where u make it.

 

i hope i don't become a ping ponger!x

aw I know exactly how you feel. We are in Melbourne and are trialling a move home for 3 months next year while I'm off work on maternity. What you need to remind yourself I guess is that Melbs is a big diverse city. So that cafe culture won't be found in just a little English town. I love Melbourne but not OZ. my husband dislikes both lol. We travelled around the world for a year and extensively round OZ and found it really hard to settle when we got home. Like you we were so excited to see family and my husbands family and mine are 8 hours away so there is no real home for both of us. But if you left Melb for family I'd be weary of living too far from them as you'll end up not seeing them either.

Financially I think Melbourne is a nightmare. We'd never be able to buy a house again unless it was some poorly made unit and that's important to us as we both had great childhoods in big family homes.

Why don't you seek out a few best of British things happening like summer shows and festivals etc. Or organise a family get together ) xxx

I was really referring to not being able to get the cash until retirement, which is what the OP seems to want to do.

I didn't say get the cash to go splashing out on holidays, I said for a house. This is an investment and its personal opinion how you want to set yourself up for the future. I understand how pensions work thank you.

Don't think it is.

 

I moved my UK pension to Australia.

 

BB

This is my point. You can move pensions in to OZ ones, but not vice versa

You could, of course, have discovered this before you left for Australia and taken it into consideration as a potential reason not to come, rather than blaming Australia for the fact that you don't like its legislation.

 

BB

Ill blame OZ if I like cos like a lot of their legislation it's crap. If I leave here with no intent to return I should be able to give up my PR status and take my super with me allowing me to invest it where I like- in a house which is like a pension anyway or towards my UK pension. Instead it will sit in OZ and I have no doubt more legislation will come in over the years making it inaccessible or useless to me when the exchange rate changes. This rule was brought in to stop people withdrawing their super and then returning to OZ with no pension. I should be able to give up my PR so I can't return and take it with me.

We did lots of research before we came out actually but this wouldn't have been a make or break for us as you don't exactly come here as a PR expecting to leave.

I merely asked a question in case there were loopholes as there often are.

If you are a PR visa you can't get the money back until you retire.

Ok I thought as much, will add this to the list of reasons for leaving australia, thanks

Hi guys

Quick question, is it true that we cant release money work have paid to our super over the last 2 years when we leave?

My cousin is here on sponsored visa and will leave to go back after 3 years and he can claim thousands back, yet us that paid a fortune to get here on a resident visa, we are going back to uk next year and we dont get back anything till we are pension age if am lucky enough to get to it??

Could of done with the money to put towards a house back home.

Hahaha I wondered what had happened to you! I used to comment on your posts as I felt you were negative to newbies about Melbourne - do you remember? Our user name has changed since then but your post made me laugh so much. We also do everything the hard way and we decided between Cornwall and OZ haha. Maybe the reason holidays are so much fun is because they are a special treat and you don't live there. I'm still undecided on OZ and the husband still hates it. I love my work, love the cafe culture and now we live in Sandringham it's so much better than the West. But there is always something missing - family and friends and I worry that the longer we are away, we will lose our connection to them. I'm sorry to hear about your child's schooling but you also gave them a brilliant adventure and i'm sure they can catch up. I work in a top private school here and kids are held back all the time. The only thing you may have to think about is- if your child is held back and for some reason they are desperate to leave school when they reach 16, would that mean they could leave before they've sat their GCSE's? Xx

We want to move back to Australia!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! No no, only joking. We did our 6 week trip around the country which was pretty special, although it was mixed with a little anxiety in thinking we ought to be keeping the money for when we got home. But at least it meant we left in a more positive frame of mind. Having said that, we had no regrets when we boarded the flight out of Melbourne and headed home via Bali. Australia was not what we wanted and we were mostly disappointed with the experience. Having said that, since getting home we have put ourselves in an equally difficult situation! We decided that we did not want to return back to where we had come from. We felt that we had lived that life and we wanted to be free to live wherever we wanted. We had always fancied Cornwall and so we headed down here, we found a house within days and I got a job after 2 weeks and Mrs Blobby got one too....People on here warned me that we were going from one situation with no friends to another and I am afraid that that is exactly what has happened!!!! Actually its almost a carbon copy of our experience of arriving in Australia and shows that we have learned very little and its almost amusing. We selected a tiny Cornish village called St Tudy and rented a cottage (we have a house back in Cheltenham waiting for us, but that would have been far too simple!). Well, I imagined popping down the local pub, joining the skittles, darts or pool team and becoming a member of the community whilst drinking plenty of Doom Bar. But it doesn't quite work like that. Just like Australia, people don't welcome you into their world with open arms, you have to work hard and being that the average age in the village is about 83 and there is no skittles pool or darts due to the fact that everybody uses zimmer frames, that idea went right out the window. Our eldest son (aged 5) started in the local school where he is behind (due to Australia starting later) and the teacher wants to put him back and year. We have therefore got him a private tutor to sort out the mess we created. Our other son (aged 3) says every day "it is very very cold!!!" and, in fairness, it is!! Still barely above freezing and its April tomorrow!! I am back working for the NHS as a community psychiatric nurse, I am drowning in paperwork and my caseload is enormous. Mrs Blobby has a job in a nursing home where she is subjected to systematic bullying (as are the other staff) and hates every minute of it!!! So whats the positives!!!??? Well my 78 year old Mum and 86 year old Auntie have been for the weekend. Mrs Blobbys friends are in town for the week and its great to back in England. The countryside, the humour, the fact people talk to you, the beer, the amazing takeaways, the good manners, the tele, the crisp cold sunny mornings, Cheltenham national hunt festival, the music, the courteous drivers, the character, the architecture, the intelligence, the hard work ethic. Its great to be back!!!! Having said this for us, Cornwall is a place we love to go on holiday to and in the summer we will be returning to Cheltenham, to our house, to my job (I hope!) and to our friends, who we actually want to see and not to live 3 hours away from! We remain in the wrong place for now but not the wrong country. We have no regret in coming back. MELBURNE SMELT.

Hi guys

Did you arrive?? We've been here a while now me and the hubby (both 32 no kids-yet!) and just moved suburb to Sandringham which is much closer to my work in St Kilda Would love to meet new people - anyone fancy a meet up?

​x

Hey

 

I am in the same position with looking to meet people in Melbourne. 25 years old from London so hopefully this goes back in the public view to drum up some interest.

 

Cheers

Let us know if anything gets arranged! We also lived in Preston Scott for 7 weeks when we first arrived at Rydges Bell City. Then we moved out West and now we've just moved along the Bayside and its amazing! Great little commute, dead handy. But we do really miss home and our friends and family so a meet up wiuld be great xx

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Just a bump up.

I had a daewoo nubira until last year and it was great. Really reliable and hardly used any fuel. :-)

Thanks for that, Yeah its a great reliable little car. Only advertised it on here for now but going to put it on car sales.

Cheers

Hi there, I talk first hand from someone who made the PC mistake as others put it lol. Its harsh to say its full of bogans because its not. I havent seen any trouble since being here. The houses (mainly Sanctuary Lakes and Alamanda) offer more than you would get elsewhere - communical pools/gym etc. But there's a price to pay. Point Cook is multicultural which attracted us there to begin with- however every culture tends to stick to their own little pockets. I find this a little strange. Traffic is a nightmare. People can positively ignore this aspect but its truly awful and both my husband and I cant wait to shave 2 hours a day off our daily commute to work. I didnt see the appeal of the East when I first came but now I do. We are moving to Sandringham two mins from the train station and a beautiful beach and I can walk to shops and restaurants and the beach! Ive not walked anywhere for a while in Point Cook! When ive tried to get active, my daily run involves an uninspiring jog round the same old housing estates. Its a little out of it here and feels almost like you could be anywhere, not OZ. Then when I travel through the city daily I feel alive!

But i'll be sad to go. I like our estate and the communal pool and the are more Brits here than anywhere. I've got used to certain places and restaurants and it feels a bit like home. But that cant compete with an 18 minute commute! I've been driving to the train station, getting a train, swapping to another one and then walking. 1.5 hours each way!

Depends what you want but if money isnt a problem i'd look along the Sandringham line or the other line as far as Mordialloc. Nice beachside feel and lots of character xxx

Hi,

Im selling my Daewoo lanos, 1999, 1.5L, manual, 3200 dollars ono. I have had it for a year and bought it when we arrived in Australia for me to run back and fore to work. It has very low mileage for age, 135k on clock (80000 miles) and has been great reliable car for me always starts first time. Only thing i have done to it was fit new clutch and have just put 4 new tyres on it. I am also only the second owner. It will be sold with roadworthy and still has 5 months rego on it. Only selling because We have 2 cars and now moving close to work so only need 1 car between us. Great run around car and very cheap to run.

Thanks