Amber Snowball

Still a long way off for me, so it might have all changed by then. Taking an income stream via TTR without paying back in via salary sacrifice would just be the same as retiring wouldn’t it? Although the way the money is invested by the fund is different isn’t it, as super if TTR, but it moves to something different as a pension income I think…..?? If I think I mean it when I say it, it makes it true doesn’t it……..

I thought the TTR was only if you were in Australia, as you would take your income stream from your super, salary sacrifice your maximum back into your super, thus paying little/no tax. Had a colleague who did it! What I have read is that outside of Australia you have to meet the age/retirement requirements, but you can return to work after “retiring “ as long as you were “not planning to work “ when you took your super. And how would the Australian super fund know anyway? It seems to be a statement of intent at best. I was interested in this question as well, thanks @Martinbjulieb! I was going to see how the landscape looked in 8 years for me.

Exactly! You might not even be old! I woke up one morning aged 47 and my life completely changed, never be the same again as far as I can tell and very unlikely to be able to climb the stairs of the Eiffel Tower or do the bridge climb. So putting things off blithely assuming you won’t be hit by a health issue and have all the time in the world to do all this stuff is ambitious at best. Take life by the scruff of the neck and give it a shake at every opportunity I say. I haven’t ever really travelled in my life mainly due to finances but thought I’d do stuff once I had retired. Now that might not happen because I am having to reduce my work hours so again won’t have the money I thought I would, mobility is slightly compromised as well, so hey ho, rethinking it all again. And it could all be very different again by that time. Rolling eyes emoji. This might be a dramatic response to talk of climbing a bridge but I felt the subject symbolic of life experiences generally!

There was!

You clearly need to do something as what you are saying isn’t a great way to live/feel. Australia was good to me, but I just got “done” with it in a way I still struggle to verbalise. But that was my experience moving in 2005, in a very different time/place and personal position to you. Your experience will be different purely because you are you, not me! Brilliant you can speak different languages, I am so English, I just shout slowly!

Apparently it’s been classed as a tornado. Which makes sense given what they were describing. Yes, they have had a rough run for sure. They got power back on the following day, so that was at least something.

Sorry, wasn’t making a direct comparison in that way. Just saying there’s weather everywhere. Just as well it’s blue sky now, they have no roof. I understand your desperation to move, I really do, I have been there in both countries. I hope the move is everything you want and a positive change for you, you definitely sound like you need it. I don’t find the winter gets me down in the way you do, but constantly drying dogs does get boring! Hang in there, you’ll be on the move before you know it.

The weather is all over the place everywhere really. My son’s inlaws are on the Gold Coast and have extensive damage from the storm on Christmas night. It’s been wet and windy in Cheshire here, but not all the time. Comes and goes. Climate change, innit.

Sorry, bit fuzzy, but a real tree.

Hi, I have to say moving back and forth like that sounds exhausting!! I don’t think there is a flat rate, it depends on the goods I think. HMRC have a helpline for TOR and I think an online chat assistant, which might be worth a shot. Wonder why they refused your TOR, maybe they think you are running an illegal import/export in single items of homeware! Once you get through to HMRC I always find them really helpful. Good luck!

I haven’t lived in geelong for years now, but I have a bit of a soft spot for the place. I would live there ahead of narre warren that’s for sure. Both places have probably become more built up since I was there, but you should find something on the fringe I would think.

I can imagine! You worry so much about the right/wrong decision with them, thinking that their entire future rests on what you decide now, but things usually work out one way or another. Can be expensive mistakes sometimes but rarely much worse and usually fixable, just a more meandering route. Pick your battles, she sounds like she knows her own mind! Obviously that mind might change later, but that will be another discussion! Try to not pull all of your hair out, she’ll need someone to practice on!

Speaking as someone who loathed school, barely attended and left with a couple of grade c’s, one was English literature o level, I liked reading and did it a year early. The other was a commerce gcse. Failed the rest, really, all D’s which no one counts. I would look at the tafe course and be done with it. I am generally unclear what being forced to do my gcse’s actually achieved. I left school at 16 and have worked one way or another, every day since. She isn’t saying she wants to sit in her room, smoking a bong all day, she is motivated to learn a skill/trade. If she can tack on some maths or English or something that might be useful. When I decided to do my nursing, I did a 1 academic year access to higher education course due to the lack of GCSE’s, there’s probably something similar in Australia for adults if she had a change of heart later, I would imagine but don’t know. I actively encouraged my son into TAFE but he followed a hard science route and now has a master’s degree and a shed load of debt, that due to inflation is now higher than when he qualified 3 years ago. Apart from entering university, no one has ever asked for my school exam results. Good luck to her, whatever she chooses to do!

“Plan, don’t react “. Best advice of the day.

My opinion is that yes, it could break the dream and maybe you going remote. It would me, but you are not me. Rural less so, especially for only 2 years and regional areas are often just not the centre of a main city. You have come this far you don’t want to be worrying about a maybe. If you have a permanent visa, I assume it is an employer that is saying rural/remote for 2 years? As Quoll says, there is nothing in the UK to prepare you for truly remote Australia. It’s got to be worth the risk hasn’t it? How old are your children? That is going to decide whether it is a long or short 2 years I would think! I understand your concerns and it is a hard one. I wish you luck. Fingers crossed for the Sunshine Coast or similar! Will you know where they are posting you before you leave the UK? I am reading my reply and I don’t think I have helped!

It could be useful, I think stratas have lots of rules as well. Don’t think I’d buy one out of choice. That said, a new estate in Pakenham Vic (years ago now) had rules about what sort of post box you could have and no caravans on driveways, and that was freehold, detached houses.

Quite agree. My thoughts when they told me was, “oh dear, didn’t you read the paper you signed”. Read everything before signing was the lesson there I suppose. I don’t doubt @InnerVoice ‘s ability to read, was just saying these places can have dodgy clauses. Information sharing for the greater good. It’s what the forum is for.

I did! Very happy with it. Didn’t move much furniture so it was fine.

It’s obviously a while ago now, but one lady I dealt with in Victoria had moved into a nursing home, but found she couldn’t afford it because when they sold her retirement unit, they discovered the exit fee was about 25% of the sale price. I couldn’t believe it, that was just obscene. It was a real issue for her and the family, with the care home clamoring to get paid. I hope it is better regulated now, but beware that the big print giveth and the small print taketh away.

Hi, I did one back in 2018 and listed everything I thought I might take, it ended up being much less and no one cared. I didn’t list everything separately, but just said “kitchen utensils “, “clothes”, “towels” etc. If you have a pet, you need to list that as well. hope the system is better than when I did it, it was still quite new then. It didn’t allow a very big upload but didn’t warn you it hadn’t been accepted! It was awful, I ended up ringing and getting it done. More recent movers seem to have had a more streamlined experience. Good luck with your move. It’s currently raining!

I always had the impression that houses were built to last 20-30 years and then be knocked down and rebuilt and that was what happened.

My son and partner enjoyed Lindfield when they lived there. Cafe culture, gym, shops, train to work. But yes, don’t think they would have wanted to be any further out. I don’t know the area, so only what they said about it.

I lived in the dandenong ranges and snakes weren’t an issue, they were about but never a problem. Huntsman by the hundred. I used to catch them under a glass and put them outside. I got an indoor automatic bug spray thing and that stopped the spiders coming in. The birds were really noisy. No gentle dawn chorus! Full throttle banshee level caterwauling. That said I prefer birds to cars and we had echidnas and foxes, tawny frog mouths, rosellas, lorikeets etc that balance the kookaburras and cockatoos, which are still fab and are amongst the small number of things I miss. Obviously that was Victoria, so NSW has some different and more exotic/deadly inhabitants. I’d be more concerned about bush fires than bird noise! I keep reminding myself as we have a soggy summer, at least we aren’t on fire.

I think the altitude can increase the effect of the sedation meds and no one monitoring them in the air for hours, it’s just too dangerous. I took a dog to Australia and bought a cat back to the uk and both survived and recovered well.

Yes, level 1 is rarely financially viable. Lots of people got more than that offered from the council services, for free. Care homes look at assets as well as income. It’s eye wateringly expensive. Obviously, things might have changed since I was there. ACAT don’t consider visa status, it’s care needs only and My Aged Care base patient contribution on income. Immigration deal with visa status. I assume if someone became that unwell they would apply for one of the medical visas that exist. Glad you have things sorted @ramot, short term restorative care was always quite good, so that hasn’t changed. Carers are part of the assessment and shouldn’t effect the level of care offered, but can help inform how the package money is spent as it is unlikely to cover everything you might need. The package should support patient and carer. Home care is far cheaper than a facility for the government, so they should be looking at sustaining that as long as possible. The government payments that effect the assurance of support were really obscure when I did mine (long time ago now). Certainly didn’t include aged care services. Things like widows payment or something, I thought it an odd list. I think sometimes we as the voting public assume policies should make sense and they just don’t. I’m sure some government minister some where could explain their decisions………