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Marisawright

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Everything posted by Marisawright

  1. Marisawright

    How is Joe Biden doing?

    Says who?
  2. Marisawright

    Medicare

    I agree that not all bulk-billing GP's are bad. Over the years, I've had several good bulk-billing GP's (I've moved around a lot). However in the bulk-billing practices, it's normal to book patients in at 10 minute intervals, so there's a lot of pressure on the doctor - and the patient - to hurry. If people on low incomes are struggling to afford prescriptions or procedures then it's ignorance more than anything. There are safety nets for prescriptions, but you have to know about them and apply for them, adn they don't seem well-publicised. Likewise, as I mentioned before, most GP's refer patients to private specialists without thinking - and I've met people who didn't even realise they could've gone public for nothing. For older Australians, I think they still remember the scare campaigns by the health funds years ago, i.e. If you go public, you'll be waiting years and even when you do get seen, you'll be in some grotty ward with the great unwashed. It's a load of cobblers IMO. It's true there are waiting lists if you go into the public system, but how is that different to the NHS? I don't believe the waiting lists are any worse. I've only seen a specialist in the public system twice and I waited about 3 months, which I don't think is long compared to the NHS. In both cases, the care was top-class and free. As for testing - my mother had bowel cancer which can be hereditary, so I had a colonoscopy at 40 and they found a pre-cancerous polyp (I'm now screened every 5 years). I was advised that my three sisters, all in the UK, should also be examined. Two of my sisters had private health insurance through their/their husband's work, so they got tested. Both had polyps and are being monitored, like me. My third sister still hasn't been checked. Apparently on the NHS, you can't have a colonoscopy unless you have symptoms. With bowel cancer, by the time you notice symptoms, it's usually too late, so what use is that?
  3. Marisawright

    The US Presidential Election Predictor

    Keep up. No one can charge the President with anything, he's immune while he holds office. So of course there are no charges. He is actively under investigation for all those matters. The investigations have not been dropped, therefore they may well lead to charges. We won't know until he leaves office and neither will he.
  4. Marisawright

    How is Trump doing so far?

    What Democrats were telling us he won unfairly? Democrats have pointed out that the electoral college system is unfair, and I have to agree.it's a cockeyed system where a candidate can win the popular vote by several million votes, but not become President. It's happened several times now. That's all. This time, Biden has won the popular vote AND the electoral college. Unless and until Trump can prove a lot of those votes were fraudulent, the people have spoken.
  5. Marisawright

    Transitioning to a New Life

    I think your friend is right. That was your home for a long time, you love it, and there is a slim chance you might want to move back there one day. So it would make a lot more sense to keep it and rent it out (with a good agent, and be very fussy about tenants). If you need money to buy a property in Surfers, then sell your British place instead. After all, there's little or no chance you'll want to go back there now. It's just an investment property. Yes, there will be capital gains tax to pay - but I can never understand people who get upset about that. You're only paying the tax because you made a nice big profit. Get over it! If you don't need money to buy a property, don't sell either of them--there's nowhere you can get a decent return on the money, so it's probably better off in the properties. It's Oatley not Oakley and yes, it has a real village feel.
  6. Marisawright

    Resident return visa

    Yes, I think you have a strong case. However, if you stayed less than two years, then approval is not automatic. It's at the discretion of Immigration. So you should be sure to provide all the necessary evidence. If you're not feeling confident, get a migration agent to do the application for you, that will set your mind at rest.
  7. Marisawright

    Talking Retirement

    It would do most people I think, if they own their home with no mortgage. But that's this year. Don't forget inflation. Until I retired, I didn't realise how misleading the CPI figure is, as there's a whole raft of things it doesn't even look at. In ten years' time, 40K would not be enough to sustain the same lifestyle, and in 20 years you'd be struggling. It's not at all straightforward to work out! That's why I like the calculator I linked to, because it gives you a spread of probabilities based on the historical ups and downs of the economy.
  8. Marisawright

    Transitioning to a New Life

    I guess it's a 1 bedroom then? I just looked on domain.com.au and there isn't a 2 bedroom even listed for less than $750,000. Our little two bedroom townhouse in Oatley (the back of beyond compared to your place), which we sold for $600,000 in 2014, is worth $1.2 million now. A 2 bedroom townhouse! Crazy.
  9. Marisawright

    Talking Retirement

    If you have several pensions plus investment properties plus a healthy superannuation balance, then there's virtually no chance that you'll get any Australian aged pension. If you've got the health benefits card then that's as much as you can get.
  10. Marisawright

    Transitioning to a New Life

    It should be said that it's not a house, it's an apartment. I'd imagine it's worth about $1 million now?
  11. Marisawright

    Talking Retirement

    That's my point too.
  12. Marisawright

    The long drawn out US election result

    That's the problem with the US and UK voting systems. If you don't like either of the main parties, you can vote for someone else - but then your vote is just wasted. All you've done is make a feeble protest that nobody pays any attention to. I see a lot of black voters in America boycotted the election. What good did that do? Nobody noticed, because their "boycott" is lost among the millions of other people who just couldn't be bothered to vote. Pointless. The sensible thing would be to vote for the "least worst". That is one positive thing about the Australian system, though it sometimes seems unnecessarily complicated. You can make your protest by voting for a minor party - but if they don't get in, your vote is given to your second-choice candidate. It makes people more willing to vote for smaller parties, knowing your vote won't be wasted.
  13. Marisawright

    Talking Retirement

    Ask for a pension forecast. https://www.gov.uk/international-pension-centre You'll get a letter telling you what your pension would be if you never paid any more into it, and also instructions on how to pay contributions now, if you wish to do so. There will also be a table showing you how much it would cost to pay for the years you've missed. People do debate whether it's worth paying - after all, who knows whether the pension will be worth having when the time comes? Personally, I think it's worth it. Even if it doesn't pay off in the future, it hasn't cost all that much - and if it does pay off, you're laughing. I started receiving my UK pension last year, but I've discovered I'm still allowed to pay some missing years. I'm going to do it, because it will pay for itself in less than four years. If you have a National Insurance number and a UK passport, you may be able to create an online account at HMRC and look at your history: https://www.gov.uk/log-in-register-hmrc-online-services @davlap, have you and your wife got your UK pension sorted? It's well worth it.
  14. Marisawright

    The long drawn out US election result

    No, it's not a bold statement. It's a statement of fact. At the moment, the Trump camp are saying there's voter fraud but they haven't offered a shred of verifiable evidence. Until they can find evidence, the result is the result. If they do find evidence, that's a different story. If that happens, the law will take its course. Like I said, statement of fact.
  15. Marisawright

    The US Presidential Election Predictor

    Donald Trump sacrificed his family's wealth? You must be joking. Presidents are supposed to sell off businesses but Trump never did. It's true he hasn't taken a salary as President, but that's the only concession he's made - otherwise he's continued all his businesses as normal. In fact he's made millions more, because he's insisted on using his Mar el Lago resort for official functions instead of the White House, and he's charged the country millions for the privilege. Also, why do you think Democrats are afraid of a recount? They're not. They're worried about the unrest it will cause the country if this process drags on for months. They're confident the outcome will still be in their favour but they don't want the country's divisions to be made even worse.
  16. Marisawright

    Talking Retirement

    Agreed. Libraries round our way offer IT courses for seniors which are run by volunteers. The U3a is always looking for volunteers to teach courses too. https://www.u3abrisbane.org.au/
  17. Marisawright

    The US Presidential Election Predictor

    Bad example. Gore lost because the voting system in Pennsylvania, using punched cards, didn't work properly. As a result, Pennsylvania threw out the punched cards and revamped their whole voting system, to make sure such an embarrassment would never happen again. So I'd say of all the states, Pennsylvania is more likely to be reliable than anyone. Also, as you may know, there is only a limited time for these disputes and Al Gore ran out of time to prove his case. When they eventually had time to sit down and sift through all the votes again, it was proved that Al Gore had in fact won Pennslyvania - but of course, it was too late by then.
  18. Marisawright

    The US Presidential Election Predictor

    Did you learn about things called dictionaries at school?
  19. Marisawright

    Corona Virus

    One of the problems with a countrywide lockdown is that there WILL be areas where there is no lockdown. I can well believe somewhere in Cornwall has empty wards (lucky them). The difficulty is, as we found in Victoria, is that trying to quarantine individual suburbs doesn't work. It's too hard to police the borders because there are no clearcut borders, just a maze of streets. Too many people still need to come and go, to get to work or for essential services - and those people, and the people trying to police them, carry the virus to other suburbs.
  20. Marisawright

    Talking Retirement

    @davlap, reading your posts, I think you've gone a long way past just being a bit depressed. You've got depression. There are positives in your life and there are avenues you could take advantage of, but you can't see them through the fog of depression. You're not going to get out of this without help. Even a sympathetic ear helps, as you've found on these forums. A professional sympathetic ear would be even better. Get onto Beyond Blue and get yourself some professional help.
  21. Marisawright

    Talking Retirement

    When you're frantically busy working all week, pottering/gardening/knitting is a blissful way to unwind - however, when that's all you have to do 7 days a week 365 days a year, the novelty may wear off. But then, everyone is different. I think maybe I could do it if I was in a small town where I had a circle of very sociable friends, like Toots.
  22. Marisawright

    Talking Retirement

    But remember, the earlier you access it, the earlier it will run out. Your super is just a pot of money - the earlier you start withdrawing it, and the more you take each month, the faster it will run out. Also if you take a lump sum, you'll have to invest it somewhere, and then you'll pay tax on the income. Whereas if you leave it with your superfund and convert it to a pension, it's tax free.
  23. Marisawright

    Talking Retirement

    Yes, but they've got to run down quite a bit before you get much pension. I should say, we're living comfortably now, and have no intention of curbing our café breakfasts, dinners and shows etc (when they let us do them again, that is!). Our calculations are based on living that kind of lifestyle for the rest of our lives. I wish we were one of those couples who could happily potter about a country cottage and fill our days with reading, crochet and gardening. Then, our money would last till we were 100. But I would be bored silly by the end of the first week.
  24. Marisawright

    Talking Retirement

    I know you say you're introverted and don't want to bother making friends, but I'm pretty sure that's the depression talking. When you're down, you get to the point where you don't feel like socialising, and that makes your depression worse, and it becomes a downward spiral. You don't need to be sociable and you don't need to make friends, but you do need the company of other human beings, even if you don't talk to them much. I remember when my first husband left me, I spent a long time feeling sorry for myself. Eventually I decided I had to force myself to get out and do things I might enjoy, even if I had to grit my teeth to do it. It wasn't much fun at first, but I had to admit, it did help my mood and gradually, I got more comfortable. If you cycle, find a cycling group. Go on, grit your teeth and do it, even if you don't much fancy it. Maybe your wife is as worried as you are about money in retirement, which is why she doesn't want to give up her job. Or maybe she realises that she needs the interaction with other human beings which work provides.
  25. Marisawright

    The long drawn out US election result

    If evidence of fraud is found, then the law will take its course. There is zero evidence of any such thing at this point, apart from Trump's bluster.
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