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NicF

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NicF last won the day on January 26 2013

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About NicF

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  1. NicF

    The UK and Climate Change

    It's nearly 4 years since the total black out in South Australia and we have more sources of renewable energy now than we did then. Plus some rather large batteries that have proven to be excellent for stabilizing the energy grid during peak demand. We are heading towards 100% renewable energy by 2025 and while some would say SA is a few years behind the rest of the country we are certainly not back at the stone age. https://reneweconomy.com.au/south-australia-blackout-didnt-stop-energy-transition-it-accelerated-it-77806/
  2. NicF

    Transferring money from uk to Aus

    And if you phoned them both you would probably get a better rate again. When we moved we were advised to open accounts with several Forex companies and play them off against each other. We didn't in the end - we only opened one with Moneycorp but my husband got a better rate than the advertised rate simply by phoning and asking. We were transferring a large sum of money from our house sale so it was worth getting every extra percentage point we could.
  3. NicF

    Corona Virus

    No we don't. The Spanish flu had an estimated mortality rate of 10% to 20%, the corona virus has a mortality rate of 2%. According to the WHO seasonal flu causes 290,000 to 650,000 deaths worldwide each year, compared to less than 600 deaths so far for the corona virus.
  4. NicF

    Do you shop or have groceries delivered.

    I used to use Ocado in the UK and had been using Coles online here in Australia. Loved Ocado. Found the shopping experience much better than the other supermarkets online offerings. Coles online is nowhere near as good as Ocado but is improving rapidly. I have a feeling they have formed some kind of partnership or something around the online shopping but whatever it is I can see the Ocado influence in the changes that have been made to the Coles online shopping experience over the last few months. I have paused my online shopping for the time being though as we have just moved in to a property with a shared drive and I don’t want to go upsetting the other residents by having the delivery van parked somewhere in the way. And as we are quite far down the drive I feel bad about making the driver walk from the road. I’m sure I will get over both after having to go actually go shopping for a few weeks.
  5. NicF

    Bushfires

    There have been some pretty bad bush fires in the hills around Adelaide recently, although the worst fires in SA were probably those on Kangaroo Island. A bit of a search on the ABC website would probably throw up some stories with details of the fires here.
  6. NicF

    Which Labrador?

    We have a dog door so the dog can be where ever he wants to be. During the day he spends most of his time asleep on the sofa or chair but he will sometimes go and have a snooze in the sun for 10 - 15 minutes. My dog sleeps in the bedroom with us. Given the chance he would sleep on the bed but I’m not that soft so he has a bed at the side of our bed and sleeps there. We keep the bedroom door open so he can come and go as he chooses but he chooses to be close to us. Our next door neighbours have a dog that is kept outside and only has access to the laundry in their house. They hardly seem to spend any time with her and leave her home on her own while they go away for the weekend. I can’t help but wonder what the point in having a dog is if you are just going to treat them like that.
  7. NicF

    NBN internet

    Umm, I don't think so. We still don't have NBN in our area and quite a few parts of the Adelaide Metropolitan area still don't have NBN either. It's particularly frustrating as suburbs not far from us have had it for years.
  8. I haven't but my husband does it all the time. Just today he has quit his latest job and doesn't have anything else lined up. He does it because he has mental health issues and just gets to a point where he just can't work in a job any longer and has to leave it. I work, but only part time (0.8 so nearly full time) and my income doesn't quite cover mortgage, bills and food but we have savings to help keep us going while he is out of work. The longest he has been without a job in the last few years is about 6 weeks so we haven't struggled too much. Every time I just hope he can get another job reasonably quickly and figure if he doesn't I can always ask work if I can go full time instead. Edited to add that I did quit a job without having one to go to when we left the UK and moved to Australia, but that time my husband had a job to come to so one of us was still working.
  9. I Haven't but my husband does it all the time. Just today he has quit his latest job and doesn't have anything else lined up. He does it because he has mental health issues and just gets to a point where he just can't work in a job any longer and has to leave it. I work, but only part time (0.8 so nearly full time) and my income doesn't quite cover mortgage, bills and food but we have savings to help keep us going while he is out of work. The longest he has been without a job in the last few years is about 6 weeks so we haven't struggled too much. Every time I just hope he can get another job reasonably quickly and figure if he doesn't I can always ask work if I can go full time instead.
  10. NicF

    Superannuation

    I missed the fact the OP is 60. Might be worth getting some advice from a pensions expert about the best way of accessing the money to reduce potential tax liabilities.
  11. NicF

    Superannuation

    You will have only paid tax at 15% unless you have paid in more than your annual concessional allowance (or what ever it is called). If you withdraw your super before retirement age the government then expects you to pay the tax you would have paid if the money had been paid to you as earnings rather than paid in to your super. Unless you are on a really low income this tax rate will be a fair bit more than the 15% you paid on the funds on the way in. The fact that super is taxed at your full tax rate if you withdraw it when you leave the country is not a secret and there have been threads about it on here in the past. You don't have to withdraw your super just because you are leaving the country and you could instead leave the money in the super fund until retirement and take it then. If you do this though ensure you cancel all insurances to prevent the fund being eaten away by unnecessary charges.
  12. NicF

    Resigning and the moral thing to do! HELP

    If your new career started at the beginning of December would you feel bad for leaving before the Christmas period? And if not then why feel bad for leaving to spend time with your family?
  13. NicF

    Fish pond breeding

    My mum had a fish pond (still has if I remember correctly, just not sure it still has fish in it). The fish used to breed and lay eggs but the fish would eat the eggs. Even if any eggs made it through to be little fish the big fish would eat the little fish. If you want to breed the fish you may need to look out for eggs and move them to a safe spot so they don't get eaten.
  14. My son was diagnosed as on the spectrum entirely in the public system, so cost nothing. We needed a referral from the GP and also had a letter from his teacher at school. The waiting list on the public system here in Adelaide is quite long but we got to see someone after about 9 months. Getting the diagnosis didn’t take long after that - the speech therapist told us the diagnosis at the appointment and sent out a draft report shortly after for us to look over and the final report came out just a week or so after we sent the draft back. My son is high functioning but came out with a level 2 for his sensory issues. We did get NDIS funding but to be honest have not really felt the need to use it. The change from primary school to high school has really suited him and we have a lot less issues that we feel the need to see therapists about. Lots of people struggle to get the NDIS funding they really need but a lot seems to do with the person you have your planning meeting with. Our planner was excellent with personal experience of disability and autism and knew exactly what to put in to get funding. I’ve known of people (through a Facebook group) who’s kids have many more issues than mine who have been given much less than we were. From the same Facebook group I’ve also found schooling to be really hit and miss. Some schools are excellent and others are discriminatory. You have more come back and support in the public system though as you can go to the education department disability people for help where as private schools the buck stops with the head teacher. I’d suggest finding a Facebook group for the area you are moving to and ask some questions on there. They are the people that will really know what things are like here and some may even have experience of moving from other countries with a diagnosis in place.
  15. "Good schools" often seem to be good because they have "good" kids attending them. This then becomes a bit of a self fulfilling prophecy where people with money who care about education move in to the zones and send their kids to the "good" school. In terms of actual skill of the teachers some of the less good schools have just as good teachers but they are working with kids who start from a much lower point and often don't value education or have other issues that make learning hard.
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