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Steve Elliott

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Steve Elliott last won the day on January 29

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  1. Its called "cuckoo smurfing" - its a real thing and commonly used to evade detection/paying tax
  2. Registered migration agents (RMA) charges really aren't exuberant when taking into consideration the total cost of a transition to a new country. Costs are not regulated but it is a competitive market so fees have to be reasonable for the work performed. Location also shouldn't really be an issue as this day and age, 98% of the contact is via phone, email zoom etc as, to be honest, face to face is inefficient, so the less in person contact there is, the more competitive the pricing. Most Australian agents will be able to arrange late evening or early morning consults with UK clients. This works well as it doesn't interfere too much with the working day and family time. At the end of the day, you should go with someone who you feel comfortable with, someone who has a good support team behind them and most importantly, someone who is experienced and an expert in the area of visas relevant to you. Maybe check out their websites, years of experience, references etc. The best approach is to pay for an online consultation. In doing this, you will be equipped with the knowledge of what your options are, time lines and likely costs. Typically the consult occurs after you have provided some factual information to the agent in advance of the consult. That way, the agent has had an opportunity to consider your personal circumstances, consider any potential obstacles so that when doing a consult (typically via zoom/teams) these can be raised. Some RMA's do free consults but typically these will be quite short and vague. A paid consult will typically include written expert advice on your options. I hope this helps.
  3. Mr Tee Based on the limited information you have provided, there are potentially some pathways for you and your daughter. I would certainly suggest a modest investment in having a consultation with a Registered Migration Agent who can determine your eligibility and potential pathways for you both. With the potential to earn a higher annual income, this potentially presents more options to you. Once you know where you stand from visa perspective, you can work on developing your strategy incorporating housing, schooling etc. I hope this helps.
  4. Or an $A denominated account could be a consideration. It really depends on whether you want to hedge the GBPAUD or are happy to take on the exchange rate risk. Bear in mind also that gilts can fall as well as rise in value.
  5. Having e-read this, have you explored the options with your existing bank? - Yes the proof of local address might be a problem. Otherwise, explore the options of holding funds in $AUD in a UK account. Otherwise, I suspect we might be entering the "Cindarella Zone" where no matter how hard you try, the slipper ain't going to fit without some potential negative consequence.
  6. From my experience of 20 years with one of the major banks, I suspect you will find it next to impossible to open an account here in Australia unless you are physically onshore at the time. This is mostly due to the Anti Money Laundering/Counter terrorism laws by which the banks have to abide. So to be clear, this is not the banks being difficult, it's them having to abide by the law. I would suggest maybe a quick whistle stop holiday back in AUS, so you can open up an account in person. It might be worth considering Macquarie's accelerator account which is linked to a standard CMA. Good luck
  7. Dentists have dental nurses, Financial planners have paraplanners Lawyers have paralegals Tradesmen have apprentices The truth is, experienced, qualified and registered professionals is typically fully capable of performing all aspects of client work, however the most efficient use of their time is to focus on the critical aspects of delivering critical care, providing professional advice and performing highly technical tasks. Other tasks are delegated and performed under supervision. As a client, I would always prefer that I am paying the professional for the technical work and delegate the rest. This way, my adviser can focus on delivering quality advice in an efficient way and not get bogged down with tasks not requiring such a high level of expertise and knowledge. By doing this, they can service more clients efficiently. They also take on the responsibility and accountability for the professional staff they employ. Qualified professionals have had to go through many years of training and our bound by codes of conduct, professional standards and require registration. There is little or no point paying these professionals big $$ when the work can often be performed by more junior yet still experienced and capable staff. Ultimately the RMA takes responsibility for all work performed and advice provided. The truth is anyone outside Australia can call themselves a migration agent even if they have no relevant experience. Having said that, there are RMAs outside Australia who still choose to be registered, and as such incur significant expense in doing so (registration fees, insurance, CPD, professional library), because continuing to be registered establishes a point of difference and demonstrates professionalism, accountability and a commitment to professional standards. The truth is, many applications are straightforward when a cookie cutter approach works well. However many applications have twists and turns and encounter bumps and pot holes along the way. There are times when an unqualified and inexperienced individual gets the job done to the client's satisfaction, however, I for one prefer the reassurance that the professional representing me, is qualified to do the job and is an expert in their field. Membership of a professional body, which subjects members to a strict code of conduct provides a level of comfort and reassurance.
  8. It's a very tight market for truck mechanics and technicians, the one point of difference you have, is being on the Sunshine Coast so that might resonate with some candidates in the Southern States. Increasingly Aus employers are having to resort to pro-active offshore recruitment for the right candidates. Identify where the target talent pools are, and execute a targeted recruitment strategy. I have seen this done with paramedics, coal miners as well as bus mechanics. While a temporary or permanent move to Australia might not be on the radar, competitive salaries and prospect of an improved quality of life, work life balance is often enough to at least start a conversation!
  9. No problems at all. My personal perspective is that the door has been closed for anyone considering applying for a business visa (188). Given the 188 is a provisional visa pathway which leads to a 888 after a qualifying period, holders of a 188 will still be able to apply for the PR 888. For those "locked out", all I can suggest, in the absence of other pathways, is to wait until the government reveals details of what I believe will be a new visa or dramatically redesigned 188, which will look very different. The only clues we have are comments the Government liked some aspects of the Significant Investor Stream which I suspect means they liked the flow of new funds flowing into Venture Capital and Private Equity. They weren't as keen on the investor stream as it really didn't create jobs, encourage innovation. Likewise the business innovation stream had relatively low thresholds and I suspect post visa grant surveys/analysis would have revealed the majority of businesses invested in and or created were not the innovative, high growth, job creating business hoped for. Given Government has indicated the migration program should be demand driven, (demand from Australia and NOT the applicant), I suspect thresholds will rise significantly and some streams as we know them today will unlikely never resurface. I think also, in line with International trends, having big pots of money to bring to Australia, simply won't be enough. Quite often big pots of money seeking a new home can indicate ulterior motives, which is why Australia has some very rigorous AML/CTF (Anti Money Laundering/Counter Terrorism Funding) legislation. When I have something solid to post, I will do so. Suffice to say, If any forum members have an undecided 188 in the system, feel free to reach out.
  10. Hi Anna I am guessing you are seeking an opinion prior to progressing further down the 'migration pathway" and before you engage with potential employers? What you need to focus on is the significant costs threshold which stands at $51k over 10 years. Personally, I would suggest you seek some advice from an experienced RMA who will be able to guide you.
  11. Great question Jalphonse This is one of the niche areas I specialise in. Firstly, the media reports were all incorrect and the visa has not been abolished. It is however closed to new applicants. The original article was published in "The Australian" newspaper by a journo who simply did not check her facts. The 188/888 program has been suspended, pending a review. My take on the situation is that the Government is looking to potentially create a new visa, or redesign the existing 188 to attract a targeted group of entrepreneurs, investor, and talented individuals. To answer your questions. If you were nominated via an EOI, and have already successfully made a valid visa application, you are fine. It is the requirements which were in place at the time of making the application which apply. While logic would suggest the absence of new applications should increase processing times (they can't get any slower !, there is no logic when it comes to processing times and priorities. There are literally thousands of 188s which are 2-3 years old, simply collecting dust and are not being processed as the government has been clearing backlogs elsewhere. You just have to sit tight for the time being. It's frustrating and everyone is complaining about this. They will be processed at some point in time, but "when" is the big question.
  12. As a migration registered migration agent myself, I would normally high five anyone steering business towards RMA's and bypassing Lawyers. While it is true that legal many migration law practitioners do indeed specialise ion complex matters, refusals, cancellations etc, there are many lawyers who do the more routine migration visa applications. Indeed, many legal practitioners were RMA's until 2021 when amendments to the Migration Act meant they were no longer required to be RMA's. I tend to refer some very specialist matters to migration lawyers who are experts in their respective areas, otherwise I would refer prospective clients to other RMA's who are also experts in their fields and who "typically" are more cost effective for the client. Emergico was recommended above (thank you "Cheery Thistle") but I'm not your man as I specialise in a small number of niche visas. The business owner (Leanne Stevens) was a nurse and paramedic for over 20 years before becoming an RMA. She is also very good at complex matters such as health , character etc if required. Paul Hand and Raul Senise also worth having a chat with.
  13. Hi Ferrets As a financial adviser of 30+ years and given the nature of your question, it is impossible to answer your question on a public forum in such a way to break the advice rules for which there would likely be severe consequences. One general comment I would make is around risk and diversification. Your employee shares are shares in one specific company so the long term performance is entirely dependent on the fortunes of this company. Money in super, if invested in large reputable industry funds will typically be more diversified and thus the returns will likely be steadier and more consistent. Your super wont shoot the lights out, neither will it disappear. There's also an added benefit in terms of not being able to access the funds until retirement. There are some experienced financial advisers here and it might be worth your while having a chat as you have a number of technical issues/moving parts to consider. Good luck.
  14. I first came to Australia 30+ years ago on a partner visa and switched to an independent visa at the first opportunity, so I totally get where you are at. I too don't buying a lottery ticket when I'm pretty sure my numbers aren't going to deliver. But I do enjoy the anticipation and small adrenaline rush. For many, the prize of PR is as good as a lottery win, some would say better. The visa application process is not based on luck and the probability of a successful outcome are shorter. Indeed, you can personally increase your chances of a successful outcome simply by investing in yourself. You really are in control of your own destiny, until the rules change, which they will. It's time to bite the bullet and seek out some professional advice so you know where you stand. It's time to take the next step and move on from your current Bridget Jones cameo
  15. As Paul suggested, I would seek out some professional advice. As a Migration agent I have worked with many families and individuals who, having confirmed their visa eligibility and made the decision to migrate, were not ready to make the physical move at that point of time, but still wanted to lock in their migration pathway with a view to physically making the move maybe 2-5 years down the track. Australian migration rules could be likened to a Sushi train. You see something you want but miss it first time round. You then have to hope it's still there on the next loop, hoping it hasn't been removed by another customer and if it has, will the Sushi chef be making anymore. It may sound silly but that's pretty much how it works, except with the visa system, sometimes the train can stop without notice, only to restart with a new menu with many items totally removed and some items changed beyond recognition. One way to approach such uncertainty might be to examine your potential eligibility for all (if more than one) and formulate the most suitable migration plan. Even if not ready to move, you will have a "business plan" which you can execute. This might look like what I refer to as a call option. In other words, all possible options are considered, and risks assessed to determine an agreed strategy in full knowledge and expectation that the odd curve ball might be encountered along the journey. At the end of the day, if your circumstances are such that a move to Australia is no longer on the cards, at worst, you will have lost some money, but at least you had the option. It's a little like paying your insurance premium when you don't make a claim! The benefit of this approach is you would be walking through an open doorway. If you wait until you are physically ready to move, that doorway may have closed. If you walk through the open doorway, and it slams shut afterwards, it doesn't matter as you will already be on your way (metaphorically). What is critical is that you fully understand all the possible options, risks and associated costs of your potential pathways, so that you can make a fully informed decision.
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