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Blue Manna

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Everything posted by Blue Manna

  1. Blue Manna
    I wasn't aware of the three months minimum stay. Doesn't bother me but it might do in the future. Don't have answers sorry, but interested in replies.
  2. Blue Manna
    I would have thought it would fail ir35 and be taxed the same. Just sounds like an administrative difference to me.
  3. Blue Manna
    Ok, I'll bite. What does Simon tucks mean? Rhyming slang?
  4. Blue Manna
    All of the above. Plus Busselton museum is actually pretty good. Busselton pier is quite nice. Lots of breweries wineries and all that. I find Dunsborough and Margaret river quite crowded this time of year, but worth a visit if you don't mind searching for a parking space. No trip to the south west is complete without a trip to Gnome world. Bluff knoll if you fancy some exercise.
  5. Blue Manna
    Company shares are usually a no brainer. They are tax free and the company often chips in. You would be mad not to take them. But I also wouldn't leave them in for any longer than you have to. Once they are free to sell, consider diversification.
  6. Blue Manna
    Not sure what happened there. Website gone a little doolally.
  7. Blue Manna
  8. Blue Manna
    I did say "you" and not "me".
  9. Blue Manna
    You should enjoy paying tax. It's a privilege. It's for the good of your country. You should be proud to pay tax.
  10. Blue Manna
    I don't know. When I've had it it's always come with the job.
  11. Blue Manna
    The thing I've never really understood about private health insurance is that when you have private health insurance in the UK it pays for everything. You do have to check first, but I've never been recommended for any treatment that wasn't fully covered. When you have private health insurance in Australia, you still seem to pay an awful lot of money for treatment. And I am talking quite significant sums for major surgery. It can be quite staggering. So don't think just because you take private cover you are done and dusted.
  12. Blue Manna
    I have effectively done something similar to what you are suggesting (in the UK) and it worked well for us. But obviously it depends on your circumstances. I used to work with a guy who remortgaged his house, lived on the funds and over paid his pension to the max. That worked well for him, as the tax savings were substantial. This was over COVID too, when the markets dropped considerably. It's worth thinking laterally sometimes. Good luck.
  13. Blue Manna
    Some people never settle. Even if they move back, it's not the same. Pandora's box. Sometimes it's safer just to never move. Ah, but until you do, you'll never know. There's no win win here. Just find the best compromise you can live with.
  14. Blue Manna
    Just what I was about to say. Plus, could they go back to live in Australia for a holiday long enough to declare residency (6 months?) when they are around 65-67 to get a full Australian aged pension?
  15. Blue Manna
    That will put a lot of pressure on an already struggling health system.
  16. Blue Manna
    I get my glasses online, and I pay a quarter of what my optometrist charges . From the UK actually, but the far east would probably be cheaper.
  17. Blue Manna
    Are the Welsh a healthy people?
  18. Blue Manna
    I identify as a retired woman.
  19. Blue Manna
    I stand corrected. I didn't know that. I had thought it was the 25%, but you are quite right. As long as you don't take taxable income you can still contribute the full allowance.
  20. Blue Manna
    It is true though, that if you haven't made enough NI payments then you won't get a full UK pension, regardless of how much you have paid in tax. This can be very relevant for those who spent some time in Australia but have returned to the UK. So while the pension isn't funded by NI alone, NI determines whether you get it.
  21. Blue Manna
    At least you all have options which is good. I've always thought it a choice not a compromise between Australia and the UK, and I've always wondered what horrible things must have happened to those poor souls who run either of the countries down.
  22. Blue Manna
    Good advice. But one point I will add is that if you take the 25% lump sum from your UK pension, it severely limits the amount you can salary sacrifice later on. So you don't want to take the 25% until you are in a position where you will retire, or still be working but not want to overpay your pension any more.
  23. Blue Manna

    Glasgow

    Blue Manna replied to Cheery Thistle's topic in UK Chat

    You'd pay $10-12 for a pint of peroni in a pub or a restaurant in Australia wouldn't you? Can't stand the stuff myself. More of a real ale person.
  24. Blue Manna

    Glasgow

    Blue Manna replied to Cheery Thistle's topic in UK Chat

    It's depressing the state of UK politics. Just depressing. Might vote greens so at least the poor sod can get their deposit back. At least in Australia they change their parties and leaders quite regularly. Been a long time since I've been to Glasgow, but I was pleasantly surprised. Everyone I knew ran it down against Edinburgh, but I quite liked it. I take it it's gone downhill since my last visit, which must have been twenty years ago?
  25. Blue Manna
    Haven't felt well for all of December. Cold after cold. Or one long cold. Not sure, but felt like two. Haven't been sick sick, but just bloody miserable. Been walking, but nothing too strenuous. Coughing and continuously blowing my nose. Finally seems to be drying up. Maybe next week I might be able to do some proper exercise. Still. It's a good excuse for drinking whiskey. Tried monkeys shoulder for the first time. It's not a bad drop for a blend.
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