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Marisawright

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Posts posted by Marisawright


  1. 2 minutes ago, rtritudr said:

    https://www.studyassist.gov.au/help-loans/commonwealth-supported-places-csps#:~:text=A Commonwealth supported place (CSP,entire cost of your study.

    The residency requirements for a Commonwealth Supported Places (CSP) are:

    • an Australian citizen, who be resident in Australia for at least one unit of study contributing to their course of study
    • a New Zealand citizen, who will be resident in Australia for the duration of their unit(s) of study
    • a permanent visa holder, who will be resident in Australia for the duration of their unit(s) of study.

    So as an Australian citizen you could even go overseas during your study and not lose the subsidy.

    That's great news.  Knowing the problems when people move from Australia to the UK, I was worried there might be a problem.


  2. 1 hour ago, Undecided99 said:

    Thanks Marisa, good points. And thank you for earlier sharing your experiences regarding flying back to see ill parents in such difficult circumstances. It must have been a very sad time. My husband’s father also passed away abroad and husband could not make it back in time. Sadly with scattered families it is a common story these days. 

    Yes, indeed.  I was very lucky that I have sisters in the UK, though only one of them really stepped up to help, and for that I'll be eternally grateful.  She did something similar to what I'm suggesting for you:  for work reasons, it wasn't practical for her to move to Aberdeen, but they found work in Glasgow and she traveled up to see them on weekends etc.  


  3. 44 minutes ago, Dusty Plains said:

    Still, if you dislike Australia, as suggested, you are entitled to hold that view, yet here you are. That's the bit I just don't get. Nobody is suggesting that brit expats or other expats need to be pure Australians as you put it, yet there are plenty on PIO who are making an effort, just like the majority of the rest of us.    

    I'd have thought you knew Quoll by now, Dusty.   She is one of those people who gets depressed and feels "out of place" when living in a foreign country. However, she does not have the choice to go back and live in the UK because of her Australian husband.  She has made the best of a difficult situation by becoming a citizen.  

    I would hate it if nasty comments caused her to leave these forums, because her experience is invaluable to other husbands or wives caught in the same situation.

    • Like 4

  4. 12 minutes ago, Undecided99 said:

    Good points. Thank you. Can anyone comment about the economic climate in Adelaide for graduates? This is the other key concern, that they will need to move interstate anyway...

    That is one of the reasons I suggested you consider Melbourne.  Good career prospects both for you and the children and the choice of several universities too, and feasible to visit the parents every weekend if you wanted, plus you're only a couple of hours away if there's a drama.

    I dont think the economy in Adelaide is depressed, it's just that there are inevitably far more jobs in a city of 5 million (Melbourne) compared to a city of just over 1 million.

    The reality of life, though, is that you don't know where your children will end up, regardless of where you live.


  5. 3 minutes ago, Undecided99 said:

    Thank you. Luckily they have citizenship so hopefully would be ok to start Uni when A levels end without international fees. 

    One thought that occurs is, I'd expect a smart 18-year-old to work out that it makes no difference whether you're still in the UK or move to Australia, he can still go to Uni in the UK, because he'd be living in student accommodation either way.  

    Whereas if you move them while they're in year 8/10, you're in control....


  6. There's very little intricacy involved in transferring a UK pension to Australia at the moment. There is only one company that can accept the transfer, unless you open a SMSF (self-managed super fund) which is not practical unless you have a very large balance (and is also not nearly as straightforward as it sounds, as I know from costly experience!). 

    Anyhow, you would be absolutely crazy to transfer your pension until you have gained your permanent residency, which likely won't be till 2023.  Once you have transferred your UK pension into an Australian fund, you can't transfer it back, so you need to be 110% sure you are staying in Australia permanently.  

    In the meantime, I am curious what this company could do for you while your UK pension remains in the UK.

     


  7. 48 minutes ago, llessur said:

    I bought an EE sim on my trip back to the UK in 2018, used it for a few weeks and then brought it back to Oz with me. I went back again in January 2020 (lucky timing there) and the sim no longer worked so they definitely do expire/get reallocated after a while

    Not necessarily.   I have one from Three that I used when I was in the UK in 2016.  It's still active, even though I've put no credit on it for 4 years.


  8. 27 minutes ago, Undecided99 said:

    Does anyone know of any families where they moved to Oz for a child to start University there? So after A levels. It’s quite a different experience in Adelaide as most kids live at home for Uni. I’m not sure what is better, kids moving away at 18 to go to Uni in UK or having the supportive home environment while attending Uni in Adelaide. Any thoughts very welcome. 

    First thing to check is whether you’d have to pay full international fees as you won’t have been resident prior to enrolment. No idea what the rules are in Australia but it would be a problem in the UK so worth checking


  9. 1 hour ago, Blue Flu said:

     I did live mostly in London. I found the smaller cities and towns a very mixed bag. 

    Of course you did.  Surely that's the whole point.  You can't say "there's more to do in England than Australia" or "there's more to do in Australia than England".

    Every country has its lively towns and cities, and its boring ones.  Even within big cities, anywhere in the world, there are vibrant suburbs and dead ones.  Just look at bugfamily and Paul1Perth, living at opposite ends of the same city - bugfamily is bored to death while Paul hardly has time to scratch himself.

    • Like 3

  10. 2 hours ago, Island said:

    We have lived in Oz for about 17 working years and UK for about 5.  We have 2 teenagers, born and raised in Oz - we are currently living in UK but kids are desperate to go back.

    Any ideas about living in Oz and having investment flats in the UK? Good or bad idea?

    So less or no IHT in Australia?

    Most of our super is in Oz - but presume can still access it if living in the UK?

    State pension very minimal for us in the UK, not sure if we'd qualify for it in Australia.

    Any other pearls of wisdom would be greatly appreciated as I'm pretty clueless on this type of thing

     

    thanks 🙂

    @Island, to answer your questions:

    1. If you already have investment flats in the UK, it makes sense to keep them.  If you have a good agent, it doesn't matter whether you're in the UK or Timbuktu.  You'll need a good tax adviser (one who knows both Australian AND UK tax) because you can go cross-eyed trying to get the tax right (and you can cop a big fine if you get it wrong), but their fees are tax-deductible.  @Alan Collett can steer you right. Don't wait till tax return time to book a consultation as there's a few things you need to do upfront.
       
    2. No IHT in Australia
       
    3. Yes you can access your super while living in the UK.  The catch is that it's taxable (by the UK).   If you take a lump sum, the Inland Revenue will grab over a third of it.  So your only realistic option will be to convert it to an income stream (pension) which will be taxed as normal income.  If you move to Australia, all of that would be completely tax-free.
       
    4. The Australian state pension is dependent on years of residency, not years of work.. You would be eligible IF you moved back to Australia (you can't claim it while resident overseas). However it's a benefit, like unemployment benefit, not a fixed automatic payment. You only get it if your income and assets (including super) fall below a certain threshold. Here's the calculator:

    http://yourpension.com.au/APCalc/index.html

    • Like 1

  11. I think you're right that you need to make the move now or not at all.  Once the kids get that little bit older, and even more cemented in their friendship groups in England, there's even more chance they'll hightail it back when they're old enough.   I don't think they need to worry about accents, it's not as if every child in the school will be a white ocker. Australia is pretty mullticultural now!  Year 8 is a perfect year to move. Year 10 should be fine too. It's year 11 and 12 that are inadvisable.

    I'd say the jobs situation is your biggest concern.  Most of the corporate jobs in Australia are concentrated in Sydney and Melbourne so it would be challenging in Adelaide.

    You could do some lateral thinking.  If you moved to Melbourne, you'd be a short flight (or a long drive) from Adelaide.  With multiple flights every day, you'll be able to hop on the plane in the morning and be there in a couple of hours to respond to an emergency.   Not the same as being there, but much better than being 24 hours away.  And you could spend an awful lot of weekends in Adelaide for the price of one international trip.

    If you don't mind a commute, I'd be looking at Ballarat.  It's only a short trip to Melbourne Airport from there (there is a shuttlebus).  We used to drive from there to Adelaide for longer holidays, it's about 6 hours from memory.

    Realistically, hotel quarantine won't be in place forever.  A couple of years, perhaps. The bigger issue is what happens if there's an emergency.  People say "you're only 24 hours away", but it's never that easy, as I can attest.  Even pre-Covid.  When my mother took ill, I couldn't get a seat on any plane until the next day, and then the plane developed an engine fault and was delayed for 12 hours.  We passengers were all given a hotel room, but that was no consolation for me!  Luckily she survived that illness.  When Dad took ill, I managed to get a seat on a plane that night, but that still meant a delay of 8 hours before I even stepped on the flight, and he died while I was in transit.  

    • Like 1

  12. On 01/05/2021 at 21:26, HappyHeart said:

    I know everyone keeps saying that....I do like it but I don't want the same as everyone else either....

    Light gray is too safe!    One problem is that even exterior colours are strongly influenced by fashion.   

    When we lived in Sydney, I used to be enchanted by all the lovely Blue Mountains weatherboard homes, painted in a lovely soft duck-egg(?) blue with crisp white trims.   I went Googling to find some examples and couldn't find any!  Now it's all whites and grays and even blacks.  

    I do like the purple but only if there's plenty of contrasting trim, otherwise I think it would be overwhelming.

     

    14f5e5d84fadb92cda6ed182444f6c5a.jpg

    • Like 2

  13. 11 hours ago, Craig Colas said:

    Do the banks or anyone for that matter, question large amounts of money being transferred into your Australian Bank? Guess what I am asking is when I transfer say £100,000 from a house sale back in the UK is there any further tax implications on it after I have declared the sale in the UK etc. Has anyone done the full process? Thanks!

    No tax implications.  

    • Like 1

  14. 2 hours ago, andrewfx said:

    Thanks all. Good to know Perth is dry heat - I think I was under the impression that it’s constant humidity and unbearable heat!!! I supposed it’s something you acclimatise to 🙂 

    Does anyone have any insight into some good areas to live with young kids, not too far of a commute to the CBD (which I guess is where most IT jobs would be?). Or any good resources for sounding out good areas to live?

    Perth and Adelaide are both dry heat.


  15. 37 minutes ago, Parley said:

    Actions speak louder than words. You left Britain to live in Australia.

    Not sure that's enough of an indication.  What about all those people who move to Australia but can't bring themselves to take out Australian citizenship because (to quote one of them recently) , "it would feel like a betrayal". 

    I'll be honest,  I wouldn't have taken Australian citizenship if it had meant giving up my British citizenship.  But that was purely for practical reasons, because the British passport gave better access for travel. Now, if they changed the rules and made me choose one or the other, I'd choose Australian.


  16. 18 hours ago, Penny Bassett said:

    I grew up in Australia but foolishly didn’t get citizenship. I married an Aussie and have 2 Australian children. We divorced in 1984.

    I am very nervous about returning to the UK...

    @Penny Bassett, reading between the lines, would I be right in thinking you always felt  British growing up and that's why you didn't take citizenship?  

    If the only thing keeping you in Australia is Covid, and you wouldn't want to live here otherwise, then I'd stop fretting and just go home to the UK.   

    Your son's friends claiming they can't get accommodation due to Covid sounds like an excuse to me. Now things are settling down, there is no reason they can't sort something out and they are just taking advantage. 


  17. 12 hours ago, steveshe said:

    Makes you wonder all these years how Aussies have coped   with living through winters here . . Poms come over and instantly start moaning houses are not like the UK . Its not the UK . 

    Aussies have coped like Brits used to cope.  It's only in the last 20 or 30 years that the Brits have woken up to their climate and started putting proper insulation and heating in their homes. Talk to most Scots over 50 and they grew up in houses that had frost on the inside of the windows in winter, frozen pipes etc.   My sister now lives in our childhood home and has installed full central heating and double-glazing, and insulated the attic---but my parents lived in that home for 40 years and thought it the height of extravagance when they installed gas fires.

    Australia is still in that old frame of mind.  Extremes of climate are just something you tolerate.  Also, the building industry is used to building fast and cheap, to satisfy the demand created by the constant flow of new migrants.  Homes with shoddy workmanship and no insulation will still sell because there's so much demand.  And the Building Code doesn't require much, and in any case, the government doesn't even enforce what it does require, due to the self-certification rort.

    I was very impressed with the quality of build in my (rented) home when I was in the UK, compared to where I now live in Melbourne.  I prefer living in Australia and love many things about the country, but their building standards isn't one of them.

    • Like 1
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