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Marisawright

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Posts posted by Marisawright


  1. 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.

    • Like 6

  2. 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.

    • Like 1

  3. 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.

    • Like 2

  4. 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.

    • Like 1

  5. 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.

    • Like 1

  6. 37 minutes ago, MARYROSE02 said:

    Yes, Oatley. Come to think of it I may have been confusing it with Oakhurst??? Something like that out near Rooty Hill (wonderful name?)

    I shall see after Xmas and New Year. The house in the UK has been on my mind for a while, thinking about moving my personal effects which I stored in the loft, out here then selling the house. Tying a loose end up perhaps rather than a desperate need to sell. I do get an income from it.

    And my unit in Sydney was my home for a long time and I may suddenly get the urge to go "home." I am both a ditherer and overly sentimental about places I have lived.

    Oatley is down towards Cronulla.   It has a huge village green and it even has a clock tower.  The butcher and fruit shop used to be excellent, no idea if they're still there.  If you do head back to Sydney, it's a pleasant train ride on the Cronulla line.  Then it's only a few more stops to Cronulla and the beach. I always thought I'd never like anywhere as much as the Eastern Suburbs but I really liked Oatley. 

    With the current low interest rates, property is a good investment, so I wouldn't be in a hurry to sell either property if you don''t need the money.  If you rent out Sydney, you might find that the rental from both properties pays for the rent on a nice place in Surfers - then you have it all, while keeping the convenience of moving if and when you want to.

    • Like 2

  7. 33 minutes ago, MARYROSE02 said:

     It's a long time since I looked forward to a holiday the way I used to then

    Me neither. When I lived in Sydney, I had no desire to go anywhere else for a holiday.  Why would I, I felt as though I was on holiday every single weekend for over 30 years!  I used to go and see my family every two years but that was to see them, not to have a holiday. After I'd seen them for three or four weeks, I'd book a week somewhere in Europe - but that was because I needed a good break after three weeks with my folks...

    Once I turned 50 and started suffering with the heat, I did start heading off somewhere cool in the summer.   But otherwise, if I've gone on holidays in Australia, it's because my partner wanted to go, or because I felt I ought to make an effort to learn about the rest of the country. Not because I was eager to go.

    I'm the same in Melbourne - or was until Covid hit. No time to be bored, and I was reluctant to take a holiday because it would mean missing some of my activities.  That's changed now of course. Having been cooped up for so long, I'm looking forward to heading somewhere as soon as it's allowed.

    • Like 1

  8. 1 hour ago, wrussell said:

    I have never sat a house and I do not know anyone who has.

    I do know that mowing the lawn at the place you are living is ok, but mowing next door is not.

    If you mow the lawn, presumably you get paid?   House sitters do not usually get paid.  The usual arrangement is that they look after the house in return for being allowed to live in the house.

    There are house sitting agencies, but they either facilitate the above arrangement, or they charge a fee for someone to look after the house but not live in it.


  9. 37 minutes ago, Sambry said:

    Thanks, I have done the Ielts test and scored a 7.

    I have been looking on the government website and it seems like the number of points needed has gone down? But I might not be understanding it correctly. In the last invitation round it says 65 was the cut off. It’s all quite confusing...... 

    I am looking for a local migration agent now hopefully one of them gets back to me before I book the tickets home! 

    189 visas awarded this year are for priority occupations only, (basically medical personnel).   They are being accepted with lower points.  

    Take a look at this table, showing how the points worked before Covid hit:

    https://www.iscah.com/will-get-189-invitation-january-2020-estimates/

    A migration agent doesn't need to be local.  I'd suggest Suncoast Migration, Pinoy Australia or Go Matilda.  

    (by the way, 65 is not the "cutoff".  It's the minimum number of points you must have, before they'll even accept your application. And in fact, I think it's high time they changed that, since no one has been accepted with 65 points for a very long time, which means they are taking people's money under false pretences).


  10. 12 hours ago, MARYROSE02 said:

    An expat is: Someone who is at home abroad and abroad at home?

    That's a nice poetic definition of the ideal expat, but the practical definition of an expat is "someone who is living or working abroad temporarily".  If you call yourself an expat, you may (or may not) enjoy and appreciate the country you're living in, but you still regard your country of origin as home.    

    • Like 1

  11. 22 minutes ago, MARYROSE02 said:

    If a Democrat had been President he or she would not have got the blame that Trump gets and the media would be reminding us of how, in a federal system of government, much of the responsibility for handling Covid is down to the state governments and the cities below them (although only the Republican controlled ones would get the real blame.

    ...however, the states must rely on the federal government for certain things.   Trump is getting the blame because he refused to give states assistance when they asked for it.  He said so himself, I remember hearing the speeches.  He maintained they didn't need the help, but the death toll says otherwise. 

    Also, Trump is getting the blame for downplaying the virus.  Again, he's admitted he did.  He actively undermined the efforts that states were making.

    All he had to do was be a statesman and make speeches encouraging all Americans to follow the scientific advice and obey the rules set by their states.  He did the opposite.  That's why he's being blamed, because he went out of his way to make everyone's job impossible.  

    • Like 4
    • Thanks 1

  12. I can guess your inevitable question - it says you only need 65 points to apply for a 189 visa, so why do I  need 90?

    It's because it's a competition, not a queue.  They have a limited quota of visas to award each year.  They cherry-pick the people with the highest points first.  For a long time now, there have been so many people with 90+ points, they can fill their quota without having to go any further down the list.

    The state-awarded visas (the 190 and the 491) are a little different.  They still look at the points, but they also look at other factors like your qualifications and your family connections.  So you have a better chance even with lower points - but points do still matter.  An agent will be able to tell you how much.

    • Thanks 1

  13. You have absolutely NO chance of getting a 189 visa on 70 points, ever.  None.   

    Even before the pandemic, no one was getting invited with less than 90 points.  Everyone is saying it's going to be even harder now, because unemployment has risen with the pandemic, so the goverment is touchy about letting in more migrants.  

    Under normal circumstances, I'd be telling you to look into a 491 visa (if they are being offered for your occupation by Queensland or NSW), as that's the only one you'd stand a chance of getting, with your points. However I don't know if they're considering those right now.  Your best bet would be to have a consultation with a good migration agent - there are a few recommended ones who visit these forums - because they have a better idea what the Immigration department is up to.

    Have you done the English test? Even though you're not required to, you can take it and count the points towards your total.  However it's a hard test, so you're very unlikely to get enough points to get you over the line for the 189.


  14. 16 hours ago, Brad1549 said:

    We've had a meeting with a migration lawyer and he mentioned my partner won't fall onto the Partner Visa Bridging until his 482 expires. He responded with this at the very end of our meeting and haven't had a chance to ask further. 

    My question is, what if my partner resigns from his job? Surely he would automatically fall onto the Bridging Partner Visa and this would give him the freedom to move companies? 

     

    You mention you have a migration lawyer.  If that's the case, he is the one you should be asking.  it's not reasonable to expect other migration agents to keep giving you detailed advice for nothing.

    I hope it is an agent and not a lawyer, by the way. You use a migration lawyer when you need to go to court over a visa.  For a visa application, you are much better off using a MARA registered migration agent.

    As I understand it (but I am not an expert), he could leave his employer if he can find another employer, but that means cancelling his current 482 and getting a new one with the new employer. Because his current 482 would be cancelled, so would the bridging visa and you'ld have to start again from scratch.  


  15. 8 minutes ago, unzippy said:

     it doesn't need to be on the lowest setting, also if you know it's going to be hot in advance turn it on early so that it can have a head start.

    It's astonishing how many Australians don't know that.  They switch on the air con and the first thing they do is crank it down to 15 degrees or something, imagining it will cool the place down faster.   It doesn't work, because the temperature setting is the temperature the device is aiming for - not the temperature the air comes out at.  

    The other problem is that people then don't remember to adjust the setting once the room is cool - so it gets cooler than it needs to be.  It may feel good, on a hot day, to sit in an extra-cool house - but then if you have to go outdoors for any reason, it's going to feel even hotter.  And it's been proved that sudden transitions from very cool to very hot makes you extra-vulnerable to illness. 

    Think about it - if you were outdoors on a 23 degree day, you'd think it was great.  So there's no need to be any cooler than that inside your house. If you're the kind of person who's happy at 25 degrees, set it to that.  The less difference between outdoor and indoor temperature, the more money you'll save and the more confortable you'll feel.

    • Like 2

  16. 17 hours ago, Niti said:

    1. Super annu - Can I transfer my super to the UK or is it best to leave it here and access this when I am 60? (I have no plans to return to Australia). How does the tax work if i wish to access this at 60 or earlier as a lump sum? 

    5. Opening up a UK bank account (hubby has one). I am staying with my in laws so have no proof of address - will this be a problem? 

    6. Is it okay to fly back with my UK passport? 

    Superannuation - as a permanent resident, you can't access your super until you reach preservation age.  At that point, if you take a lump sum, the British taxman will crucify you (you'll lose about a third in tax), so it's best to convert it to a pension.  Make sure you are in a good fund (some of the big-name ones are the biggest rip-offs). If you're not, it's very very easy to transfer so do it before you leave.  When you are settled in the UK, notify them of your new address and tell them to cancel all insurances.  

    UK bank account - You can walk into a bank and open an account on the day you arrive. They'll happily take your money.  But until you can show proof of a permanent address, they won't let you withdraw a cent or give you any cards.  I'd say the easiest thing is to see if your husband can add you to his account for the meantime.  

    There is a trick you can use:  change the address on your Australian bank account to your in-laws address.  Don't use "c/o" or mention their name - just put your name and the address as if it was your own.  Then a couple of weeks before you leave, order a hardcopy statement from the bank (e.g. for your credit card or bank account).  It will be waiting for you when you arrive.  Then you can take that to the British bank as proof, and when they ask if it's your permanent address, you just have to keep a straight face and lie through your teeth!

    Passport - strictly speaking, you should leave Australia on your Australian passport and arrive in the UK on your British one. No idea if it will be a problem.


  17.  

    2 hours ago, wrussell said:

    If you undertake an activity that is 'usually renumerated' on a visa that does not have work rights you could be in trouble, even if you were not paid.

    But house sitting is not usually remunerated.  The house sitters provide their labour in lieu of paying rent and there is no other payment.  As BusbyBoo says, it's most commonly used by holidaymakers.


  18. I would normally say clogged filters, but you say you've already cleaned those.  Check for any other kind of restricted air flow.   Otherwise it might be low refrigerant or something has sezied up, and you'll need to call a technician.  (I should say I'm used to office air con not home ones so take all that with a pinch of salt). 

    One more general comment:  a lot of people make the mistake of setting the thermostat to very cold when they turn on the system, thinking it'll cool the place down faster.  It doesn't - it just causes problems. Leave the temperature control at between 21 degrees and 24 degrees C all year round, depending on personal preference.  If you're going to leave it on at night, or if you're going to do vigorous exercise, turn it down to 18 or 19. 

    • Like 2

  19. On 09/11/2020 at 21:18, Robin’s Emigrating said:

    Hey folks. My Wife is Australian (I’m British) and we’ve been eyeing a move from the UK to Australia. Looks like my 309/100 visa will be the most challenging in terms of timeline, but for our kids is there any reason we should be considering a 101 visa instead of going straight for citizenship? Citizenship and Passport seem to be much quicker and cheaper, but want to make sure there’s not something we’re missing/misunderstanding in terms of timeline or complexity when applying from overseas. Thanks!

    I can't see why you would apply for a 101 visa.  The children are eligible for citizenship, so just go for that.

    • Thanks 1

  20. 2 hours ago, kungfustu said:

    there is a cut off point....counting cannot take place by law after a certain date....I think I read somewhere that Al Gore probably won that election but due to the delay in counting and the cut off etc he had to concede......

    You are right.  I must admit I didn't know that until I read up on it, quite a long time later. 

    • Haha 1

  21. 2 hours ago, bug family said:

    possibly because they did not realise until they had tried living here....just like i did not realise i suppose 😎

    ...but the two of them stayed for over 20 years, in spite of "knowing they hated it" from day 1. 

    I understand why you're still here, bug, because you can't take your children with you. I've yet to hear an explanation from Home and Happy'.


  22. 1 hour ago, Loopylu said:

    I disagree with the first paragraph of this post.  Just because a GP bulk bills this does not mean that the service is any less. 

    My view of the Australian health system is that...It's great if you are rich and can afford private health insurance and to pay the gap where that insurance does not cover all costs. Not so great if you are on benefits as you wait your turn in the queue for surgery...Often people on low incomes/benefits have to choose between medication or a procedure which is not fully covered by 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?   

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