Dazken Amac

Congrats to all you guys who have got their citizenship.. I was going through the website for requirements for eligibility and the documents required. Was just wondering is there any specific period ones passport has to be valid before applying for citizenship. If a passport is valid for 6 months of a PR holder will that be considered a point for rejecting his application.

hey captain R .. long time just wanted to know how did the special residence requirement turn out for you.. I intend to apply on the same lines

Hi please see below link directly from the govt website. His time would be counted but his families time would not be counted.. He requires a seatime of 24 months. while he is away his family needs to stay in oz to be able to apply for their citizenship.. alternatively they can seek extension for their pr or come on a family visa once he has his citizenship. https://www.homeaffairs.gov.au/trav/citi/appl/what-documents-do-you-need/variation-to-the-residence-requirement quote: Requirement: To meet the special resident requirement, you must have been living in Australia on a valid visa which allows permanent residency for two years immediately before you apply. During those two years you must have been lawfully present in Australia for at least 180 days, including at least 90 days of that time in the 12 months immediately before lodging your application. If you have been engaged in particular kinds of work and can provide evidence from an employer that shows you have worked in that occupation for at least a total of two out of the past four years and you were required to travel outside Australia for that work, the following special residence requirement may apply to you.Requirement: You must have held a valid Australian visa for four years immediately before applying, including one year as a permanent resident immediately before applying.You must also have been living in Australia for a total of 16 months (480 days) during the four years before you apply, with at least four months (120 days) of that time in the year immediately before your application. The following is list of relevant occupations for this special residence requirement: a member of the crew of a ship or aircraft

Hi please see below link directly from the govt website. His time would be counted but his families time would not be counted.. He requires a seatime of 24 months. https://www.homeaffairs.gov.au/trav/citi/appl/what-documents-do-you-need/variation-to-the-residence-requirement quote: Requirement: To meet the special resident requirement, you must have been living in Australia on a valid visa which allows permanent residency for two years immediately before you apply. During those two years you must have been lawfully present in Australia for at least 180 days, including at least 90 days of that time in the 12 months immediately before lodging your application. If you have been engaged in particular kinds of work and can provide evidence from an employer that shows you have worked in that occupation for at least a total of two out of the past four years and you were required to travel outside Australia for that work, the following special residence requirement may apply to you.Requirement: You must have held a valid Australian visa for four years immediately before applying, including one year as a permanent resident immediately before applying.You must also have been living in Australia for a total of 16 months (480 days) during the four years before you apply, with at least four months (120 days) of that time in the year immediately before your application. The following is list of relevant occupations for this special residence requirement: a member of the crew of a ship or aircraft

I think may be @ Andrew from vista finance may be able to help Best regards Nick

Browse through the threads. .. you will find plenty. .. Best regards Nick

Because th visa is an e visa and if the country I am flying from doesn't have the information as the visa is not stamped on my passport. . They may cause issues. . Best regards Nick

Hi I have been on a 189 visa in australia since July. . I need to get out if the country for around 6 months and then come back. .. Will there be any problem at the immigration 6 months later when I try to re enter ... As the stamping of visas in the passports has stopped I hope they would have everything on their system.. Best regards Nick

Congrats Best regards Nick

As long as you do your repayments right I don't see any reason why the banks will bother you... In fact I will suggest the earlier you pay your loan the faster you get them off your backs... Rent it out but open a separate account where the rent chq would be deposited and then transfer it to your mortgage account so there's less chance of anyone knowing that you have rented... Moreover you are moving in April 2017... till then you will have only 1 month to go to meet the criteria of the buy to let option... After that you are safe Best regards Nick

I like your approach. .. almost similar to mine... but I was thinking more on the lines of stocks.. or mutual fund investments... Income protection sounds good will definitely give it a thought as it sounds a bit more of a practical approach Best regards Nick

The rebate and surcharge levels applicable from 1 April 2016 to 31 March 2017 are: [TABLE=width: 629] [TR] [TH]Singles Families[/TH] [TH]≤$90,000 ≤$180,000[/TH] [TH]$90,001-105,000 $180,001-210,000[/TH] [TH]$105,001-140,000 $210,001-280,000[/TH] [TH]≥$140,001 ≥$280,001[/TH] [/TR] [TR] [TD=colspan: 5]Rebate[/TD] [/TR] [TR] [TD][/TD] [TD]Base Tier [/TD] [TD]Tier 1 [/TD] [TD]Tier 2 [/TD] [TD]Tier 3 [/TD] [/TR] [TR] [TD]< age 65[/TD] [TD]26.791%[/TD] [TD]17.861%[/TD] [TD]8.930%[/TD] [TD]0%[/TD] [/TR] [TR] [TD]Age 65-69[/TD] [TD]31.256%[/TD] [TD]22.326%[/TD] [TD]13.395%[/TD] [TD]0%[/TD] [/TR] [TR] [TD]Age 70+[/TD] [TD]35.722%[/TD] [TD]26.791%[/TD] [TD]17.861%[/TD] [TD]0%[/TD] [/TR] [TR] [TD=colspan: 5]Medicare Levy Surcharge[/TD] [/TR] [TR] [TD]All ages[/TD] [TD]0.0%[/TD] [TD]1.0%[/TD] [TD]1.25%[/TD] [TD]1.5%[/TD] [/TR] [/TABLE] [h=4][/h]Single parents and couples (including de facto couples) are subject to family tiers. For families with children, the thresholds are increased by $1,500 for each child after the first. The income thresholds are indexed and will remain the same to 30 June 2021. [h=4][/h][h=4]Currently, you have to pay the surcharge if you are:[/h] a single person with an annual taxable income for MLS purposes greater than $88,000 in the 2013-14 financial year or $90,000 in the 2014-15 or 2015-16 financial years; or a family or couple with a combined taxable income for MLS purposes greater than $176,000 in the 2013-14 financial year or $180,000 in the 2014-15 or 2015-16 financial years. The family income threshold increases by $1,500 for each dependent child after the first; and do not have an approved hospital cover with a registered health fund. You must also pay the surcharge if you are a prescribed person with a taxable income over the threshold, and have any dependents who are not prescribed persons and who are not covered by an approved health cover policy as described above. This means if you are a family, have a combined income of more than $180,000 in 2015-16, and don't have hospital cover for you, your partner, and your children, you will pay the MLS. [h=4]You must meet one of the following requirements to avoid the Medicare Levy Surcharge:[/h] your taxable income for MLS purposes is below the income threshold (see above), your taxable income for MLS purposes is over the income threshold and you have hospital insurance (see below) for you and all of your dependents with a registered health fund, with a total yearly front-end deductible or excess no greater than $500 for singles or $1,000 for families/couples, you are normally exempt from the Medicare levy because you are a prescribed person and you do not have any dependents. Your income level is not considered in this case, you are a high-income earner who had already purchased a hospital insurance product with a total yearly front-end deductible or excess greater than $500 for singles or $1,000 for families/couples, on or before 24 May 2000. In this case you will continue to be exempt from the surcharge as long as you maintain continuous membership under the same hospital treatment policy.

That was excellent advise ... I will definitely look out for those points. .. I already have my ambulance cover with ambulance Victoria. . Best regards Nick

Spot on @Bungo absolutely my point. .. Thanks for confirming and giving a ray of hope that my thoughts could be positive. ..[emoji3] [emoji2] Best regards Nick

Seek is your guide Best regards Nick

Thanks Cliffy, I understand the concern behind "You cannot choose where or when you are seen or admitted and sometimes may wait years." but what I was thinking is emergency situation wont be a quarterly affair.. Lets consider an example of a person hit with a heart attack, to save that patient immediate surgical procedures will be performed at a govt hospital under emergency.. After the patient is saved he would be advised that we need to carry out some further procedures for which you will have to wait inline for 3 years say.. Ofcourse no one wants to live with an ailment.. So in the above case I go overseas and get myself treated i would be better off.. Follow ups for sure can be done here via medicare.. OR (if its landing upto the same expense including flights & accommodation) Can I pay for the surgery and get it done at a private hospital, with a doctor of my choice??? here?? Still you would land up saving instead of paying premium for 20 years...

Hi everyone.. I know this topic may have come up quite a few times.. I also understand that Health is wealth.. Lets keep the health factor aside for some time and strictly look at the monetary side of things .. Being a strict non believer in insurance I have been pondering on something since quite sometime.. The pros and cons of private health insurance.. I am 36 and I have recently migrated to oz on a 189.. As of now for the 1st year my medical expenses are partly taken care by medicare.. AA) From next year onwards they say if I don't have private health insurance I would have to pay a 2%loading for every year I am above 30 years.. I believe this means if I don't take private health insurance within the next year and i take it at the age of 50 i would be paying a additional (2x20=)40% extra on the normal premium price.. I hope and would like to confirm my understanding is correct.. My concept is don't take health insurance at all for life time. Understanding the fact that doctor visits frequent as we grow older I still say treat the ailment as it comes, I understand medical costs in Australia are escalating by the day.. Incase of any severe ailment or an operation like hernia or heart surgery it would still be cheaper to fly to Asia, (Singapore Malaysia India) and get treated in a good hospital for that particular time.. BB) Considering a couple who is thinking of starting a family lets say Mr. and Mrs X don't have PHV (private health insurance).. They decide to go to a private hospital and pay by themselves for the tests and delivery by a private doctor..is that possible.. Medicare rebate gives back about 30 % of the costs for specialists. I understand that for a period of upto 5 years the pediatrician visits would be frequent. All these will add to the cost.. On the lowest side Considering paying an Annual average net premium of 4000 Aud (after the government rebate) over a period of 20 years {its definitely going to be more than that as the age and inflation increase the cost will escalate} we pay a total of 80,000 Aud .. Considering a major ailment once every 4 years costing 10,000 Aud over the same period of 20 years , we still spend 5X10,000 = 50,0000 Aud.. You still land up paying 30,000 Aud extra (incase of any other contingency else you still have those 30K to spend on your self in those 20 years).. moreover this calculation is without interest.. incase you invest the same amount of money in a term deposit every year it may be yield you some more money!!! So now the Question still remains is it beneficial to take health insurance I understand it has an effect on the tax you pay and you get some rebate but is it worth ?? Would love to hear your comments... But please stick to the monetary aspect only..

Just a thought. ... there's never a right decision. .. One needs to take a decision and make it right .. As regards to family with technology and Skype family is never far away. . They always live in your hearts Best regards Nick

I hope you have secured a job. .. Before you land Dec and jan may be very slow months for jobs in melbourne. .. Welcome to Australia Best regards Nick

Log onto Skyscanner and just check the fares for the dates you need. . Then check the cancellation or date change policy for that particular airline. . Best regards Nick

My suggestion would be before coming to oz try to get recruitment in oz in your own field of recruitment. .. simply because you have some experience and you may secure a job in oz while you are still in the UK. .. Many have done this. . Moreover you already know which city you're going to so just need to look in that city Best regards Nick

With so much potential and enthusiasm why don't you start your own business. .. There's no feeling like becoming an entrepreneur. ... You have full control of every aspect. . Just the way you would like it to be.... With a lovely woman to support your I am sure you will reach the stars. .. let alone the sky. .. Wish you all the best in all your endeavours Best regards Nick

Welcome to down under Best regards Nick

Thanks pixie. . Best regards Nick