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Marisawright

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Posts posted by Marisawright


  1. 5 minutes ago, simmo said:

    Because ?

    Did you read it?  It's setting out a scenario whereby Republican states could justify ignoring the results, even if there's no evidence of fraud, and directing their reps to vote for Trump so the Republicans can stay in power.

    Whether you like Trump or not is irrelevant.  The bottom line is, that's not democracy.  

    • Like 1
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  2. 11 minutes ago, Parley said:

    I think houses must seem hopelessly out of reach for youngsters today....These days many houses are over $1M and I think it just seems impossible for people in their 20s.

    I could never have afforded a house in my 20s either, nor could any of my friends.  We all started by buying a flat or maisonette - often a wreck that needed doing up.  In Scotland in those days, it was most often in an old tenement and didn't have its own bathroom or toilet, so you had to scrape up enough money to afford a 2 bedroom, then convert the second bedroom.

    Australians my age were more likely to afford a house so their kids think they're entitled to the same, but Australia has caught up and surpassed the rest of the world in house prices now.

    I remember being so excited when we bought our first flat.  Then my oh walked into the second bedroom and fell through the floor...

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  3. 1 hour ago, HappyHeart said:

    I agree. It takes some maturity to resist the buy now pay later promises. It's out of control. Someone is getting very rich off the back of poor people's bad financial decisions. Easy to get suckered in when the media promotes such consumerism on a grand scale as something to strive for....

    Agreed. I know the younger generation get all upset when someone suggests they might afford a house if they ate less smashed avocado, but it's true.

    Of course they'd have to stop more than the smashed avocado, but the fact is that eating out for breakfast every morning costs thousands of dollars over just one year. And that's only one of the many things regarded as "essentials" today, which were unthinkable luxuries when we were saving for our first home.    I have friends in Sydney whose 30-something kids are still iving at home, bemoaning their inability to afford a place of their own - while spending $200 a month on haircuts, upgrading every time there's a new iPhone, partying hard every Saturday night on cocktails and shots, and don't get me started on their clothes and shoes. 

    As you say, it's not their fault.  The lure of the consumer society is very strong and it takes a brave person to resist it, especially if it makes you look dowdy and boring compared to your peers

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  4. 4 hours ago, tom2020 said:

    Thanks for the reply.

    Do we need to advertise a job post on the government job portal like Job Active before we do the employer nomination? 

    What is the process we need to do?

    Basically, the company needs to hire an agent to do their side of the application.  It is perfectly possible for a small company to sponsor someone, but it's far too complicated for them to tackle without an expert.

    Bear in mind there are no second chances - they only have to make one little mistake and the application gets rejected.  Not worth the risk. 


  5. 1 hour ago, DrDougster said:

    Don't you get such a warm fuzzy feeling reading this thread?!

    Poor family, I hope they get to stay.

    I guess it's because we've seen so many people with genuine cases refused, that we react as we do.   I do feel sorry for this family.   They obviously came to Australia believing the lie so many are told by unscrupulous migration agents - that the 457 visa was a guaranteed way to get permanent residency in Australia.  The son is complaining that he won't be able to achieve his dream of studying as a doctor - but that was always a long shot anyway, even if his father had lived, since they were on a short-term visa.  

    They kept their home in Colombo and they are not claiming they'll be in any danger if they go home.  If they did, I'd see the case very differently. 


  6. 3 hours ago, Wanderer Returns said:

    If @MARYROSE02's primary residence is in Sydney and she sells her property in the UK, then wouldn't she have to pay CGT anyway? Surely her home in the UK will be treated as an asset by both HMRC and the ATO? (depending on where she normally pays tax)

    Yes he would pay CGT on the British property.  However, Ramot highlighted that the CGT rules are changing and the rates are likely to go up, so it would be a good idea to act now.   CGT is expensive enough as it is, without having to pay more.

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  7. 4 hours ago, FirstWorldProblems said:

    I see. Thank you.  So presumably if I had paid say, capital gains on investments in the U.K., I’d be good.  

    Not necessarily. 

    If you completed the transaction before you left the UK and the money is already in the bank, then it's not relevant. You were not a resident at the time of the transaction.

    However, if you cash in an investment or sell a property after you've become resident in Australia, you must declare it on your Australian tax and you are liable to pay Australian tax on it.   What they'll do is take the UK tax into account, because there's a double taxation agreement in place.  But if the Australian tax works out at more than the UK tax you've already paid, you'll have to pay the difference.

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  8. 6 hours ago, FirstWorldProblems said:

    Say what?!

    I didn't know this.   Could you point me towards some reading material pls.  my google search skills are falling short.

    It depends what the source of the money is.  If it's the proceeds of selling your own home, then there's no tax.  In Paul's case, he cashed out a pension and brought the lump sum to Australia - which results in a fat tax bill. 

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  9. 7 hours ago, MARYROSE02 said:

    Thanks and thanks to Paul in Perth too. I have decided to wait till after Xmas to make a decision on my Sydney home, and I guess the same for my UK home. In other words, I am going to continue my policy of dithering! I blame Covid. Is that fair?

    No.  You sound like my oh, procrastinator extraordinaire.  Ramot has given you an excellent reason to sell the UK home.  If you delay, you are likely to lose a large amount of the profit in British capital gains tax. 

    I wouldn't sell Sydney. 

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  10. 9 hours ago, Jon the Hat said:

    It's a bit different to losing your job and having to go home as a family which everyone knows is a risk.  Some discretion for those suffering a tragedy makes sense.

    But it's not discretion, it's setting a legal precedent..Once you have one case granted in spite of the family being on a temp visa and having a safe home to go to, you've opened the floodgates.

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  11. 1 hour ago, kungfustu said:

    There must be a better way of dealing with this crisis.....

    You keep saying that.  So what's your solution?  

    I agree that the lockdowns in the UK are too little too late. All they're really achieving is to reduce the caseload so the health service doesn't get overloaded.  

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  12. 26 minutes ago, AussieMum said:

    Medicare rebates definitely have lagged behind what costs are incurred running a medical practice.  But that doesn't mean GPs should be rorting the system the way this one did.

    It reminds me of a story when I was in the UK.  I had a Kiwi friend whose father was Professor of Dentistry at a New Zealand university.  She had been in the UK for a year, so she trotted off to a dentist for a checkup.  She was shocked when he told her she needed three fillings!     She phoned her dad at once.  He told her not to bother, and he'd check her teeth when she came home for Christmas (which was another six months away).

    You guessed it - he checked her teeth and they were perfect. 

    A dentist friend once told me that he can spot a British mouth immediately, because they are so full of fillings.  British dentists didn't get paid for doing cleaning or preventive dentistry - so if they wanted to get paid, they had to do a filling or an extraction.  I hope that has changed these days!


  13. 2 hours ago, s713 said:

    If over 65s, vulnerable people, people with existing medical conditions were protected, and everyone else was getting on with life, would we be worse off? I don't think so.

    I used to think the same. Look back on these forums and you'll find posts where I'm thinking Sweden had got the right idea.   I've changed my mind now.   It's simply impossible to protect vulnerable people in a humane way, and let the rest of society go back to normal. 

    Remember, most of them are not in old folks' homes - the great majority are living in a flat or house out in the community.    If covid is rampant in the population, they will need to be imprisoned in their homes.  All shopping and other needs delivered, medical appointments via Zoom etc. No visitors.  No public transport, no taxis.  If they live in a quet area, maybe they can be allowed out for a wee bit of a walk. 

    If the "protect the vulnerable" policy had been enacted in the UK back in March, they'd still be imprisoned now, and they'd have to stay in solitary confinement until the middle of next year, at least.  

    I know many are being very careful already - but the point is, IF a concerted effort is being made to keep Covid rates low in the community, they can get out and about occasionally at fairly low risk.  If it's rampant, even a minor outing can be fraught with danger.  

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  14. I wouldn't go back to that agent because he doesn't know what he's talking about.  Use one of the agents (like wrussell) on these forums.

    Australia hasn't permanently terminated issuing skilled visas to offshore applicants.  The quotas have been reduced and at the moment, only "priority occupations" (i.e. medical staff) are getting visas.  But that's only because of Covid.    Unemployment is soaring due to Covid restrictions and naturally, the government doesn't want to import more people if locals are unemployed - it's not a good look politically.  Once the dust has settled - though who knows when that might be - they'll start up again.

    The problem for you is that even before Covid, you needed over 90 points to stand a chance of getting a 189 visa. With the quotas slashed, you might need 95 or 100 points when things start up again.  We just don't know. 

    Which one is best?  The 189, obviously.  You are a permanent resident immediately and you are free to live and work anywhere in Australia from day one.  

    The 190 is second best, because (again) you are a permanent resident immediately.  However you must live and work in your sponsoring state for the first two years.

    The 491 - once upon a time I'd have said, "This isn't a temporary visa, it's a provisional one.  The whole point of the visa is to attract migrants to country areas, so it's in the government's interest to make sure you transition to PR at the end of the probationary period".   Covid has proved that isn't true, because 491 holders have been treated very shabbily.

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  15. Advertisements are not allowed but I have seen people recommending products they've used. For instance, people post all the time asking for recommendations for removal companies or pet shippers and no one gets told off for naming a company they like.   I don't see any reason not to mention the company?


  16. 1 hour ago, HappyHeart said:

    Everyone is different though. I remember asking my Dad how he would fill his days after retirement, I said he should get a hobby or he'd be bored. He thought that was hilarious. He's perfectly happy in front of the TV/laptop/snoozing or down the pub. He has started walking for the first time in his life though after a prostate cancer diagnosis last year. 

    This is the difficulty I have, too.  My oh is like your Dad.  He does enjoy ballroom dancing and going to plays, but while we've been in lockdown, he hasn't missed those activities at all.  He could browse  books and the internet all day long and never stir from his chair.  He's very comfortable with his own company, doing b*****-all as far as I can see. 

    Whereas I have really felt the loss of social interaction.  Probably the reason I haunt this forum (and a couple of others) so much. It's the only way I can talk to somebody other than the oh. 

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  17. 1 hour ago, HappyHeart said:

    See this is the part that I dont get. The transparency of it all yet still people go along with it. Why? 

    I'm on a forum with some Americans.  The Trumpites are completely brainwashed.   Even if the state courts find there is no fraud, they won't believe it, because they'll say the court is involved in the fraud too. They all believe there is some kind of massive conspiracy.

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  18. On 10/11/2020 at 19:02, Bulya said:

    Nonsensical.  I moved between four states/territories before finding the right place.  Are you suggesting most poms are incapable of moving once?  

    Great idea and easy to do if you're single or a young couple.   If you're a family, it's a different story.  It's expensive for a start - Shipping costs for a houseful of stuff, income lost while you both look for work every time you move, and then there's the disruption to the kids' schooling. 

    If it was a case of moving once and then they'd be happy, they'd do it. The trouble is, they can't be sure they'll like the other state any better - and then they'll have less money available to go home.  So they don't take the risk.  I think that's understandable.

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  19. As Quoll says, it's illegal in some states. However it's not likely you'll get found out, unless you do a botch job and burn the house down.  Worth getting some Uk to Oz adapters to start with as you'll have too much on your plate to faff around changing plugs.

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  20. 6 hours ago, Amber Snowball said:

    Same. They just wanted a street address to post cards etc to.

    I think I mentioned before that it's against the law in the UK to allow anyone to open an account without proof of address, and the penalties are severe.  So the Halifax has been doing the wrong thing, and they may have been caught out by now - so I wouldn't rely on them still being so slack.

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  21. 20 hours ago, Niti said:

    I called Hostplus and they advised they can't transfer my super to an oversees pension (unless NZ).

    Sorry, I meant convert it to a pension with Hostplus when you get to pension age.  Superannuation is where you save money for your pension, it's not a pension fund. You'll need to instruct Hostplus to transfer it into a pension when you reach retirement age, and then you can receive a small pension from it. You can't take a lump sum because you'd lose a third in tax, so that's your only option.  Check with them whether they can pay the money to a UK bank account - if not, you'll have to keep an Australian one open (but actually, it's a good idea to hang onto an Aussie bank account anyway - just make sure it's one without fees).

    By good luck, you're in one of the good super funds. Just make sure to keep them informed of your address over the years and (as I said before) write and cancel all insurances.

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