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The Fisheys

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Posts posted by The Fisheys

  1. On 7 April 2017 at 4:40 PM, rosiew said:

    Most people consider that it is not worth having insurance for braces.   The cover is minimal (as you have seen) abd the waiting period to claim is at least a year.  Given you are coming on a temp visa you may not have 12 months to waste!

    If you are going to rely on Medicare just be very clear about any limitations on that because of your visa status.

    Your orthodontist will offer a payment plan for the cost of braces - you are likely to pay monthly.   Also factor in the almost inevitable removal of wisdom teeth when the braces come off - it is not covered by Medicare unless it is medically required.  usually it is cosmetic as the aim is to avoid the growing wisdom teeth making the teeth crooked again

     

    It's more complicated than that. The Cochrane Collaberation (summary of all research into the subject), say that in their view the impact of third molars in incisor crowding is a maximum of 1mm per arch.

    There are many causes of orthodontic relapse, but failure to remove third molars is not one of them.

    There is a considerable amount of controversy about this. Wisdom tooth removal is painful, unpleasant, and expensive. There are risks associated with it, the main one is parasthesia, and / or dysaesthesia of the inferior dental nerve, (the one numbed up for lower fillings / extractions). (ie permanent numb lip).

    Having said that, if wisdom teeth need removing it is best done whilst you are young, as the jaw gets a lot denser as you get older. Also if they are causing problems, repeated infections etc., or have associated pathology, again, they should be removed.

    It is also worth remembering you don't have to have all four out.

    Do some research yourselves, speak to an Oral Surgeon, and don't rush.

    Good luck.

     

    On 7 April 2017 at 4:40 PM, rosiew said:

     

     

     

     

    • Like 1
  2. Before we came to Oz we lived in Marbella, and I got a flight from Ryanair once for €1 to Liverpool, and once I even got one for €0 with a €6 booking fee.

    By far the funniest flight I ever took was with Ryanair. I was on my own, so got on the plane last. As I was queuing up, there was a young lady trying to get on, but she fell foul of their hand luggage rules, she had a bottle of Vodka. It put her just over weight for hand luggage so they wanted €40 to put it in the hold. She didn't have it, so being a gentleman, although I didn't know her, I offered to pay it for her. She declined my offer, and proceeded to drink it!

    Anyway, I got on, and seat 1B was empty,.........sort of. There was a bag of sandwiches on it belonging to the man in seat 1A. So I asked him very kindly to move them, he very rudely refused, telling me that he had paid extra to get on first, so I would have to sit somewhere, in fact anywhere else. He was rather rude about it, so I pressed the call button, the stewardess came, and basically told him to move his sandwiches or pay for a seat for them!

    So I sat down, and he just started moaning and generally going on, so much so that the chap in seat 1C moved, he said, "I am not listening to you all the way to Liverpool," so, suddenly I had an empty seat next to me.

    Anyway, enter stage left aforementioned young lady, by now, a bottle of Vodka to the good, so, again, being a gentleman, I offered her my seat, and moved to seat 1C. She was very grateful; told me I was a gent.

    Just as we took off she turned to the chap in 1A to say what a nice man I was, but, tragically, the Vodka got the better of her, and she threw up over him, and even funnier, over his sandwiches.

  3. The sky won't fall in, it will be pretty much as before. At least we will be able to get ciggies and booze duty free again!

    People are anti politics right now, that's why UKIP did so well, that's why we voted out; because the political classes virtually unanimously wanted us to stay, there were jobs in it for them, MEPs, all kinds in the two, the two Parliaments they have to have with our taxes, it was just a rip off and people are sick of it.

    This is part of a pattern, look at Donald Trump, he might not become president, but he's on the ballot, and he isn't up against a great candidate so look out world!

  4. Just to reiterate about these "migrant fares."

    It is worth using a calculator, then pricing up a single, plus two suitcases each, and seeing if that adds up to less than the migrant fare.

    i know when I did it it was cheaper to buy a single rather than an emigration fare.

    Look at "parcel to go," and also look at removal companies. They vary enormously in price, so beware.

    We were quoted £10,000 from one company, another quoted £5,500 for the exact same deal, so it really is worth asking around.

  5. Of course the cheapest way is to walk, and swim. (LOL).

    All the carriers are much of a muchness.

    I always say Qantas.

    Join their frequent flyer programme before you book.

    Its worth it, there is no Ryanair or Easyjet in Oz.

    Use any removal company for your excess luggage; search around before you come.

    You can get here really cheap, but it is a long, long way.

    24 hours is an eternity on a plane, and the really bad bit is the second leg, because it goes on, and on, and on, and on.

    Get loads of sleep on the first leg.

    I suppose it depends on how many of you there are.

  6. This is an easy one. Travel insurance for 30 days, then IMAN who have dedicated 457 Visa Policy.

    its very dubious to keep relying on Travel Insurance. If you have a big illness / accident they will just fly you back to the UK and wash their hands of you........good luck then getting covered in Oz.

    If you then stay, and get PR you can transfer to NIB with continuity of cover, and no medical hassles, all pre existing conditions covered (please check).

    Once here, apply for a Medicare card.

  7. Undoubtedly Comrade Corbyn would be the candidate of choice of the Tory Party.

    This would be bad for the UK.

    Democracy needs a strong, credible, nay plausible Opposition to function.

    That would not be the case under Corbyn.

    Beware.

  8. Citizenship or not is irrelevant to this discussion, actually. Being a citizen makes no difference to your tax treatment - it's where you're resident that matters.

     

    If you are a temporary resident your super is taxed if you draw it, but not if you have PR, or are a citizen.......once you are old enough. Sorry if my point wasn't clear.

  9. I hate to be controversial, but isn't the whole point about superannuation that it is favourably taxed because it is supposed to support you / the Australian Taxpayers in your dotage. It is not meant to be a tax fiddle.

    If you don't want to become citizens here then don't. But please don't expect Australian Taxpayers to fund you, because we would rather fund our schools, our hospitals, and our pensioners.

  10. My Aunty is returning to the UK after 30+ years in Oz. She was born in England and therefore a British Citizen and has Australian citizenship. She was advised to return on an Oz passport as a visitor (6 months) then apply for UK passport (her old one expired many years ago) once she gets here. Then told she would need to have a return ticket. The UK passport can take over 6 weeks to come through. On this advice she went ahead and got Oz passport. Now been told that she will be refused entry if her intention is to remain in the uk. Her house sale is going through and should complete in about 4 weeks, so now there is not enough time to get a UK passport! She has also been told she will need a visa! So confused. Any help gratefully received.

     

     

    Your Aunty if she is a UK citizen does not need a UK passport to be allowed to enter the UK. Sorry that you seem to have had some really bad advice. Once I get citizenship here I intend to go to the UK with my Aussie passport safely stashed, and have some fun with UK immigration.

  11. As both Freckleface and I have both pointed out, all the large companies have a strict policy that their managers are not allowed to provide written references.

     

    Freckleface didn't restrict her comments to "large companies," much less define what is a "large company," she just said in Australia.

  12. Written references haven't been used in Aust for many, many years. The agency you are going through should phone your Perth employer. I doubt you will have success any other way.

     

    They probably think it is strange this hasn't already occurred and are waiting to be contacted by phone.

     

    Crikey, that's just not correct. As a Senior Clinician, and a Senior Manager as well, who is legally allowed to use a scalpel in an operating theatre in Australia I can tell you that we absolutely always require written references. Shame on you.

  13. Hi all

     

    sorry to bother you but I am hoping to apply for a skills assessment in order to move to Adelaide and it states that I need professional references. I work for the NHS and I really do not want my boss to know of my plans until I know I can definatly go. Do the accept nmc documents or does it have to be from your employer.

     

    I would ne really grateful for any help you can give me on this matter.

     

    Xxxx

     

    I can understand your reluctance, but as a Clinician (legally allowed to operate in an Operating Theatre), and now a fairly senior manager all I can say is that I have told all the staff that I line manage that I do not want them to leave, ever, but, I will never stand in the way of their professional development. They know that I would give them all excellent references for two immediate reasons, firstly, if they were under performing in any way as their Line Manager I would have sorted it out, so any unresolved underperformance issues reflect badly on me, not them. Secondly, any Line Manager worth their salt will know that they must give an honest reference. It's a disciplinary matter to not give an accurate reference, and the NHS are really anal about stuff like that. I think the devil in me would say send him / her an email, say in it something like "I know we are not friends, but I hope you will be professional about this," and then print off your email, and the reply and send it to any recipients if you are bothered.

    Feel free to PM me, but, if you did please confirm it is strictly confidential.

    Good Luck.

  14. I think they are getting a bit stricter with the language skills. What sort of job are you after here? Your Use of English in your post is rather basic, and the grammar is poor. I would spend the three years improving your language skills, Australia spends a lot of taxpayers money on translators. Good luck, and come back stronger. I am sure you will.

  15. Hi All, I am new to this forum so please go easy on me, ha ha!. I am looking for help in trying to make a decision on moving to Australia. Any positive, or truthful stories or advice on how you made the decision to move and if it has worked out for you, or if not- and why not.

    Basically I am 34 and my husband is 37, we have 2 children aged 2 and 4. My husband is the one who first came up with the idea of moving (we travelled around Australia about 9 years ago)- he thinks it will be a better lifestyle for us as a family and give our children a better future. He is a self-employed plumber and I am a student studying Nutritional Therapy (and also stay at home mom). We have sought advice on the visa process and would be looking at the skilled visa route. We were urged to lodge the application sooner rather than later as obviously my husband is approaching 40. He wants to start the process now but I am hesitant. He also wants me to give a yes or no answer and I find I can't! I am about 60% in favour of moving if I am honest. My main worry is leaving my family behind and taking my children away from their grandparents, cousins etc. If I didn't have family around I would make the move tomorrow. After having broached the subject with my mom and sister, they were quite outspoken on how distraught they would be if we moved and I suppose I am feeling very guilty!

    I just don't know how I can bring myself to make the decision but at the same time I don't want to regret not moving. Please help! :confused:

     

    I must admit that I haven't read all the posts on this thread, after all, you are after personal experiences.

    i would go for it, without hesitation.

    When we came here, my Dad was 84, my Mum was 80. All three of us knew that the next time we would meet up would be at one of their funerals. It was difficult; but my parents are true parents, not selfish, and they completely accepted that the opportunities for me here by far exceeded those in the UK. As a parent yourself you would want your own children to be happy, I am sure you would not be as selfish as your own parents seem to have been. In any case you are quite young, surely your folks can jump on a Qantas flight here, and come for December and January, and see you all...........I just think it is emotional blackmail to try to hold you back.......if Australia is for you.

    Now I totally "get" the bit about your OH and his qualifications. This lot are a nightmare, not only do they have a leaden bureaucracy, there isn't any desire to "cut red tape."

    At the end of the day, the history of mankind is emigration for a better life for our children. The million dollar question you need to ask yourselves is simply this, "will your children ever forgive you for not taking the opportunity to come her?" And the answer is no.

  16. My prediction of an overall majority of 20 for the Tories seems to have been nearest.

    I think David Cameron has a tough task, but he has shown he is up to it.

    I do feel a bit sorry for the LibDems. They knew when they joined the Coalition that they would pay a heavy electoral price. For years they have benefited from being either the "not the Labour Party Party", or the "not the Tory Party Party." A lot of Labour voters historically voted for them in seats where Labour had no chance, eg Vince Cable's seat, but this time there was a lot less tactical voting, and Labour voters returned to Labour. The LibDems acted in the National Interest, the only possible coalition was with the Tories, so for the sake of the country they signed up. All their natural instincts would have been to the left, and had a coalition with Labour been possible, that is the way they would have gone.

    This makes Labour's vote look even worse. If lots of people deserted the LibDems, and returned to Labour, where did all Labour's former voters go? It's just lucky for Labour that the SNP didn't stand in England as well, because Labour might have been down to a dozen or so seats. I don't even think it's Milliband's sole fault. He was elected Labour Leader not by the Tories, (although unless John Prescott had run he would have been the Tories choice). One has to question if there is any need or relevance for a Socialist Party in 21st Century Politics? They still seem behind the 8 ball on economic competence, after all, the last three Labour Governments have each separately bankrupted the country...........the only consistent Socialist Policy. Whilst the "guardianistas" blather about feeling sorry / worried / concerned for the nurses / teachers / elderly and or sick, the penny has obviously dropped that you do them no favours by spending money the country cannot afford, because when it runs out, which it always has done under Labour, they are in the mire.

    There will be trouble with the EU. I think that the UK is totally "over" the EU, an institution born out of the Second World War, and now past its sell by date. Whatever deal the UK is offered by the EU, I am pretty certain that the voters will vote to leave. I think that they know this in the corridors of Brussels, and will not offer the UK any kind of "sellable" deal. My prediction is about 56% to leave the EU.

    i suspect as well that this will precipitate a second Scottish Independence Referendum, but again I suspect our cousins north of the border will not vote to switch off the English Cash Machines.

    Interesting times indeed, but overall, a good result, and the people have spoken.

  17. Many thanks for the speedy answer NicF. We will be visiting Oz later this year and i will be contacting a few consultants. Super Is not worth It as i have a good pension already----i just what to hang onto as much of it as poss. I spoke to an Ex Copper friend of mine who has now left Australia and he said that his UK Police Pension was taxed fully in Australia, hence my enquiry. I will be Interested to see If i can claim any reductions to lessen my tax exposure. Expert advice is always best but, personal experience is valuable to. Thanks

     

    Be your own expert mate, I would never rely on a mate.

    I have got to say though please don't come here and live off my taxes, pay your share please, so never mind reducing your tax exposure, just pay your share.

  18. Hi Everybody,

     

    Just about to start the PR route to follow our children to Oz and I'm looking for an answer to a pension question. i have searched the forum and couldn't find anything so I apologise If I'm In the wrong section etc;

     

    Question :-

     

    I was In the UK Fire Service and receive a pension from UK Gov. Due to an Injury I sustained I receive part of that pension tax free.

     

    When I come to Oz will I still be taxed as normal in the UK and keep my tax free allowance or will the gross pension be taxed In Australia and the previous tax free part now be Included In an Australian Tax Calculation.

     

    It will make quite a difference.

     

    I/We will be 60/61 when we receive our PR's I suspect. We are currently 57/58 and are applying late this year.

     

    Appreciate any answers---even If It's pointers to the right section:smile:

     

    Once you get PR you can elect to have your UK pension paid free of UK taxes. You then pay tax in Australia, which seems fair, after all you are living here.

  19. I think that the saddest thing about this General Election would be if it is not decided by the voters, but by the politicians after the result is known.

    I think that the LibDems will lose some, but not many of their seats. They are desperate to shrug off the Tories as coalition partners, it has really hurt them across the country in local elections. I think historically that they have benefited massively from tactical voting, principally in seats where Labour are weak, Labour voters have backed them to beat the Conservatives. I think a lot fewer Labour voters will do this this time, and simply vote Labour for two principal reasons. Mainly they do not want to endorse the coalition, and secondly they will see their votes as legitimising a Labour government, who could be elected on a minority of the votes cast due to the unfair inequality of voters in each parliamentary seat.

    I don't think UKIP will win a single seat. I think many people will leave their homes on polling day fully intending to vote UKIP but when they get into the polling booth they will vote Tory. Also, UKIP are a bit of a rag tag and bobtail party. There is potential for at least one of their candidates to really stuff up, and frighten the voters.

    So my prediction is Cameron to win with a majority of 20 seats, make that 30 if it rains on polling day.

  20. Hi I'm looking for advice on dentists in Melbourne. I'm based in brunswick and I need a few fillings. I've been quoted $150 per filling. I'm on the working holiday visa.

     

    does anyone have any recommendations for a cheaper dentist or is that about average here?

    Very expensive compared to the UK

     

     

    I'm not sure actually that £75 for a filling is dear.

    As you pay it out of your taxed income, so UK tax can be 45%, or certainly 40%, National Insurance is 12%, VAT chugs along at 20%, you have a TV Licence Fee, dearer petrol, and then good old death duty as well.

    Seems to me that that pile of taxes adds up to an awful lot of amalgams mate, so personally, I question whether it is cheaper.

  21. Tony Blair's great success was to relegate democratic discussions to the level of a TV Game Show.

    He copied the USA, and Clintonised our democracy.

    Soundbite, soundbite, soundbite, then his Labour Government bankrupted the country, just like every Labour Government always does, the whole world over.

    Margaret Thatcher had it right when she said "the trouble with Socialists is that they always run out of other people's money."

  22. Great news. If Labour win the election they will enshrine leadership debates in law. No future PM will be able to wriggle out of them or veto them, including of course Ed M himself. This is good news for democracy. http://www.theguardian.com/politics/2015/mar/07/ed-miliband-leaders-tv-debates-guarantee-law

     

    Rubbish, no Parliament can pass any law that binds future Parliaments to not be able to repeal them.

    Frankly if your understanding of our democratic processes is so shallow you should be ashamed.

    It's not "good for democracy," if Parliaments can pass permanent laws, otherwise, we would still be sending children up chimneys, and hanging them for stealing a loaf of bread.

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