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Found 36 results

  1. Susan from Moneycorp

    Considering locking in your exchange rate

    Hi everyone ~ A lot of members have been asking me recently about the direction of the Pound & Australian Dollar - especially people who have to make regular international payments or have a payment deadline coming up, where exchange rate fluctuations could make a big impact. We've spoken about the benefit a Forward contract could bring. Thought I'd post a short blog here so that everyone can see how it works: https://www.moneycorp.com/en-au/content-hub/blogs/20192/march/a-currency-forward-contract/
  2. Christmas In AUSTRALIA For the majority of Australians, Christmas Downunder has all the glitter, tinsel and razzmatazz of a Christmas in New York, London Paris or Vancouver. The major difference is one of WEATHER....Christmas Down Under is never White. Snow has rarely fallen if ever on this date, Down Under. We have during past Christmases experienced all the seasonal variations of a Summer Down Under.....electrical storms, floods, hailstorms, cyclones and bushfires. But 80% of the time we are blessed with blue skies and depending on our Australian location, temperatures ranging from 25-38 degrees centigrade. Currently it is Summer Down Under and daily temperatures range from 30-40 degrees centigrade on the mainland. Tamania is always slightly cooler. Christmas is special to the majority of Australians for it is our Summer Holiday season and students especially are "wrapping" up their school year. That means sitting for end of Semester tests or exams and waiting for their results, as well as getting ready for the Summer Holidays. For the majority of Australian students this means ...SUN....SURF....SHOPPING. For students it means an end to homework and school studies and the beginning of lots of time for family, relatives and "mates". Our neighbours, the "Kiwis" or New Zealanders are actually the first ones to really celebrate the joyous day of Christmas. New Zealand is the first country immediately west of the international date line. So we're sorry most of American friends have to wait an extra day for Christmas. So how do we REALLY celebrate Christmas? You must remember that Australia, though huge in size, has a population of just over 18 million people. Our country is a harmonious mix of many ethnic groups. Our backgrounds are very varied....our people have connections with England, Scotland, Ireland, Northern Europe, Italy, Greece, Spain, France, Middle East, Vietnam, China, Japan, Thailand as well as North and South America. So you can imagine that each of these national groups brings the colour ,customs and festive rituals of the Christmas celebrated in their respective homelands. As Australians we are able to appreciate culturally diverse Christmas celebrations. However, up until 30 years ago, our Christmas celebrations were heavily influenced by our original Anglo-Celtic influences. The English style of Christmas served as our model for celebrating Christmas.......right down to the traditional roast turkey and steamed pudding in over 35 degree heat. Today with the huge influx of overseas migrants our Christmas celebrations are heavily influenced by the ethnicity of families involved. Common sense is prevailing today in terms of weather. Traditional dinners have been replaced with family gatherings in back yards, picnics in parks, gardens and on the beach. For many, it is the occasion to be with friends and relatives, to share love and friendship and not to forget, the exchange of gifts in the traditional manner. For many, it is of course a time to enjoy and consume massive quantities of food. A typical Christmas menu could include seafood, glazed ham, cold chicken, duck or turkey, cold deli meats, pasta, salads galore, desserts of all types, fruit salad, pavlovas, ice-cream plus Christmas edibles of all varieties such as mince pies,fruit cake, shortbread, chocolates etc. There has been a suggestion that "Swag Man" take over Santa's franchise Down Under!!! There is a lot of concern about Santa Claus perhaps suffering heat stroke whilst Down Under. "Swag Man" wears a brown Akubra, a blue singlet and long baggy shorts. He spends all winter under Uluru with his merry dingoes and then at Christmas time, he gets in his huge four-wheel drive and sets off through the red dust to deliver his presents. For those interested, the first official Christmas Down Under was celebrated on the 25th December,1788 at Sydney Cove by Reverend Johnson. After the service, Governor Arthur Phillips and his officers dined heartily, toasting the King of England and his family. But for the majority of the first white inhabitants...the convicts....there was no change to their regular menu... bread rations only. The only goodwill which seemed to have been displayed was to Michael Dennison. He was a convict who stole a pound of flour from Martha Pugh. He was sentenced to 200 lashes by the whip. But since it was Christmas, only 150 were delivered. Currently everyone is beginning to get ready for the "silly season". Everyone is busily planning Christmas break-up parties. Children are writing letters to Santa Claus. Decorations are being bought and set up. Shopping centres and malls are experiencing record breaking crowds. In homes, many of the traditional Christmas rituals are being followed. Many children are helping to decorate the family Christmas tree. We have yet to follow the American ritual of getting "real" Christmas trees......though some do use gum tree branches. Children are learning Christmas Carols so that they may be sung at festive occasions such as public "Carols by Candlelight" and school concerts. Christmas stockings are being hung in homes....though fireplaces are in short supply. Cards galore are being written and posted. Everyone awaits.......the anticipation is high! It must also be mentioned that with all the glitter, tinsel and razzmatazz.......Australians consider Christmas a time for remembering the true meaning of Christmas.........a time for remembering the birth of Jesus and the spiritual meaning of Christmas . For many, Christmas will begin with families attending a mid-night mass. 70% of Australians are either Catholic, Anglican or Lutheran. After the mid-night Mass, a little sleep is attempted. For many, the children in various households, wake up the family at dawn. Gifts are unwrapped and the joy of Christmas begins. For many with relatives and friends overseas, it is a mad scramble to get an early phone call to relatives worldwide.
  3. Report from my local news website today.........:biggrin: "Three Australian teenagers had to call paramedics after branding their bottoms, which led to multiple fire crews turning up to assist them. Luke Moroney, 21, Blaire Cooper, 21, and Joel Austen, 18, of Toowoomba, suffered from third-degree burns to their bum cheeks and called for assistance – but a miscommunication led to a number of paramedics and police officers turning up to help. Luke said: “I remember putting it (the poker) on my bum cheek then running straight to the dog water dish to cool off. “Now I have to go to the doctor tomorrow because it is infected"
  4. Hi this is something from the telegraph, which makes you wonder are you in the same boat, or have you got it covered "Geoffrey Boycott, the former England cricketer Thousands of homeowners’ plans to leave property to their heirs could be hit for six by an obscure legal definition which Geoffrey Boycott, the cricket legend, has described as “double-Dutch”. Mr Boycott went on to lose a test case in the High Court about the ownership of a home in the millionaires’ resort of Sandbanks, Dorset. But with the average house price now exceeding £161,000, according to the Halifax House Price Index, questions about who has legal title to property could have a major impact on much more modest households. Now lawyers say many people – especially unmarried couples or those who have contributed unequally to the purchase of a home – may be caught out if they are unaware of the distinction between owning property as ‘joint tenants’ or ‘tenants in common’. No wonder the straight-talking Yorkshireman suggested the difference was difficult to understand. But the legal jargon could mean other couples’ plans to bequeath or inherit property are stumped. The Court heard that Mr Boycott bought a three-bedroom house overlooking Poole Harbour for his “friend and confidante” Anne Wyatt in 1996. Mr Boycott told the court he allowed Mrs Wyatt to live in the house rent-free, although they were no longer partners, for as long as she lived. They were listed on the deeds as joint tenants. But when Mrs Wyatt died in 2009, aged 82, her half of the house went to her estate instead of to Mr Boycott. To his “huge surprise”, he discovered that Mrs Wyatt had changed the agreement in 2007 to a tenancy in common so that she could leave her share of the property to her heirs. Andrew Goldstone, head of tax and wealth planning at Mishcon de Reya explained: “With a tenancy in common, when one joint owner dies they can leave their share to whoever they want in their will. That’s a big advantage where joint owners are neither married nor in a long-term relationship, since they won’t necessarily want their share to go the other on their death. Tenancy in common also makes sense for couples who each have their own children from an earlier relationship. “It is possible to convert a joint tenancy to a tenancy in common but not the other way round. The technical term for bringing a joint tenancy to an end is called “severing the joint tenancy” and it’s very easy to do. It can be by mutual agreement, in which case the joint owners will usually document in what shares they will then own the property. “However, it can also be done by just one of the joint owners giving written notice to the other. That sometimes happens when a couple are splitting up and one of them wants to be sure that if they die, the whole property won’t go to their ex-partner. This can mean that what was intended at the time of purchase can be overridden by one party alone. Once notice of severance is given to the other party it is too late to change.” John Condliffe, a partner at Hogan Lovells, added: “In this case, Mrs Wyatt ended the partnership by serving notice on Mr Boycott, whose arguments did not push the boundaries of legal principles. If property is owned by joint tenants the owners together own the whole property equally and do not have individual shares in it. If one owner dies their share automatically passes to the others, and therefore a joint tenant owner cannot leave their share to somebody else in their will. “By contrast, property owned by tenants in common entitles each person to a distinct share of the property, and their shares may be unequal. If one owner dies their share can be left to others in their will.” This distinction is no longer as important for inheritance tax (IHT) planning by married couples and members of civil partnerships as it used to be, now the nil-rate band of £325,000 is automatically transferred to the surviving spouse or partner on the death of the first spouse or partner. That means even married couples and members of civil partnerships who have made no plans to utilise the first spouse or partner’s IHT nil-rate band effectively enjoy a £650,000 threshold for IHT. However, the different forms of ownership remain relevant to many others; including unmarried cohabiting couples. Clare Rant, a property litigation specialist at Irwin Mitchell pointed out: “Disputes frequently arise following death where the ownership of a property has not been correctly identified at the will writing stage. A disappointed beneficiary – someone who is left an interest in a property under a will but where the property passes by survivorship to the joint owner – may also have a claim against the will writer. “The distinction between the two interests is not just relevant to death. This is of particular importance to co-habiting couples, as they will not have the benefit of legislation which can redistribute property.” So the legal jargon can prove more even important than the difference between deep square leg and silly mid-off. If in doubt, seek professional legal advice. :arghh::arghh::arghh::arghh:
  5. We have just a few months left in Australia before we head back to Ireland and now that we have gotten most of the big arrangements out of the way it has got me thinking about some of the smaller day to day things that will be different when we get there.Having done the return trip a few times before I thought I would share a list of a few of the little things that stood out as 'different' in day to day life back home.It is amazing how the little things can be so different at times. One thing I love is the size difference in shoes and clothing.Just by stepping off the plane I magically shrink in size.My feet go from a large size 7 to a nice petite size 5 and my body shrinks from a size 14 to a slim size 12.Sweet! Laundry stays soft on the clothes line,no more scratchy towells. It smells so different and living by the sea[as I did here too] does not mean having to listen to it pounding on the rocks the whole time. Hearing many languages and different accents around me on a daily basis, seems weird again at first,I miss that here. People just pop in,without planning,for no reason other than to natter. You can go at least a few years before you hear the words 'best in the world',honestly. There is music everywhere,in the pubs,at church,on the streets,at the schools and in the houses.........even at funerals. And last but not least[for now].......no more funeral insurance ads!!
  6. A question for returnees, what are the things you are looking forward to most ? I'll start. Wonderful countryside Fantastic pubs and the beer that goes with them Lovely friendly people All our friends The history The freedom to persue my hobby (business) Villages Lots of things for our kids to do Did I mention the beer ? Cheap food ( a bonus) The sense of homour.
  7. 2tigers

    Clocks forward in the UK :-/

    Don't forget peeps - clocks forward tonight in the UK :goofy: AU is next weekend :v_SPIN: Oh, and don't forget to change your central heating clock too!
  8. I just wonder sometimes if the English feel we are living back in the 1800’s. Back when you could invade and concur, :jimlad: back when the English way was the only way (not necessary the right way!!!!) Why move if you’re happy? I’d love to see you tell a Frenchman how shlt his bread is. You’re moving almost as far away as you possibly can, did you not expect things to be different? So what if the beer tastes different, it goes dark early.... It doesn’t have buildings over 200 years old, if you did a bit of homework you would find out when Australia was colonised, common sense would tell you how old buildings would be..... OMG they don’t wear shoes, they don’t feel the need to get dressed to the hilt to go shopping.... Who really cares???? If the place was called New England maybe you could expect things to be the same but it’s not. Enjoy the difference, even better embrace it, take the bull by the horns and face the challenge head on. Expect nothing and who knows things may work out. Yes you may have spent 1000’s getting there but just like everybody else Australia owes you nothing! :tongue: So stop bitching and get on with it. :wubclub:
  9. Miserable day up here,just having a ponder on what i KNOW i'l miss from my town,im sure most people are the same? Been done to death this no doubt but san fairy ann. Anyway this is what i'l miss,the old buildings,the river and the three graces and the craic!cant see it being the same craic in oz tbh [YOUTUBE]o_aaGT5ywKg[/YOUTUBE] Saturday afternoon,coopers bar,its like this every day,i dont bother with the "trendy" alehouses,no character! [YOUTUBE]_ynME6ie96E[/YOUTUBE] Heres what im looking forward to,to hopefully compensate,the ocean,i love the mersey and water/ocean,will you miss anything? [YOUTUBE]2G3ZnXMLQGE[/YOUTUBE]
  10. Priority 4 = try to become Priority 1, with an employer's job offer.
  11. Guest

    UK Clocks Going Forward

    Hi All I read in the newspapers yesterday that several psychologists have predicted that millions of people living in the UK would feel thoroughly out of sorts today, with the clocks having gone forward during the night. I had no alcohol last night and went to bed an hour early. I very rarely set the alarm clock on a Sunday and I left the alarm off. I didn't bother to re-set my alarm clock or my watch last night in case I woke up before 2am and ended up feeling totally confused about what time it was. According to the clock and my watch it was 7am when I woke up this morning. I thought, "Right. 6am. An extra hour to do things today." I got up, made some tea, felt well & truly smug about gaining an extra hour and switched on the computer. Once the computer was fully booted up, I saw that the clock on the thing said 8.30am. I thought, "What is wrong with this bluddy machine? That clock should say 6.30am?" The penny then dropped. Now I feel thoroughly out of sorts, exactly as the psychologists predicted......:mad: Cheers Gill
  12. clairerichie

    Looking forward to New Year (decisions)

    Hello all, hope that everybody is well and having a great new year, am so excited about the year ahead, and am hoping that we get further along this year than the previous year, after having My Modern Apprentice in Business Admin NVQ Level 3 turned down by Vetassess as it needs to be at a NVQ Level 4 and my OH portfolio being accepted and he will now sit his Practical Test in June as Vetassess cancelled the February intake:- Am really pleased for OH and looking foward to June now:) My decision is - is what to do with my qualifications, I allready have all of the work experience necessary to be an Office Manager and in the UK my qualifications are more than adequate, I have been seeing a training provider over here, and he has said that with my current job I can complete an NVQ Level 5 in Management, (hmmmmm) as obviously I have progressed over the years, and manage more than just people in an admin environment (something that I would be able to do standing on my head). My diliema is that I was happy being an office manager, and didn't want all of the responsibility of the NVQ Level 5 in Management to complete - which is comparable to a degree here in England but obviously reflects my experience and job that I do now. Do I wait for my Other Halfs to do his test, then if want to update my qualifcations do these when I go to Australia, and get a lesser visa and do my permanent visa onshore, are they any easier to do onshore, obviously I could then just do a Diploma in Oz which looks really easy compared to my modern apprenticeship. Spending 2k to do an NVQ Level 5 at moment, is also expensive. Any good advice or direction out there!!:biggrin:
  13. For those still waiting the Big Wait, I would like to ask: What are you really looking forward to in your new life? And what are you looking forward to leaving behind in your old life? Sue x
  14. Hi all, My name's Christina, I am 26 year old working in London as a Housing Officer for Wandsworth Borough Council. I am currently in Oz on holiday visiting family but I'm heading back to the UK on Friday. I have been mulling over the possibility of moving to Oz for some time now. I am an expat at heart, having been born in the Middle East and I have enjoyed my life in the UK but I long for the better weather, beaches, and a better life. My last 3 weeks here have just clarified my thoughts and I am now very keen to see how I can move forward. I'm single, no kids, no mortgage, so it would be fairly straight forward in that respect. Just my dog Hooli to think about, who I'd want to bring with me of course (have read all about Dr Bob so thanks for the info!) I've been reading this forum, and I've approached various agencies as well as spending a lot of time on the Australian Immigration website. However, all this has done is thoroughly confuse me!! MODL, SOL, CSL... so many lists and I'm not sure how they apply to me and what route to go down! I have spoken to quite a few Poms over here my age and most of them have told me to get a 12 month working holiday visa and then just get sponsored when I'm over here, they all seem to have done this and been successful. However, when I looked on the immigration website, it seemed to suggest this was not really the right thing to do as the working holiday visa is designed for what it says on the tin, so I feel like doing this, when I know in my heart that my aim would be to come to Oz with the intention of staying for an extended period/permanently, would be dishonest. My current job seems to appear on the SOL list... under Community Worker. What does this mean for my visa prospects? I also have an Uncle and Aunt in Sydney who would be willing to sponsor me. I did the test and apparently have 115 points? It's all so confusing! Any help would be really, really appreciated! Thanks Christina
  15. Hi everyone, I've finally done it.....I've got a job offer from a company in Brisbane so I thought I'd register and introduce myself and my good lady. I'm Stu and my better half is Michelle (Mickey). We'll be coming over on a 457 visa. My new employer has nominated me for the position and we've started the online 457 application. So, hopefully I'll be posting on here a lot more....and annoying you guys with stupid questions. Cheers Stu and Mickey
  16. Guest

    I am looking forward to...

    Being warm... Learning the rules of Aussie Rules... Supporting the Aussie cricket team... Being able to afford a house for the size of family I want rather than deciding how many children I should have from the size of my house... Drinking Aussie wine because I chose it from the vineyard rather than buying it from Tesco as a sad Aussie wannabe... Having a hot tub... Needing to wear the Aussie sunhat I bought years ago... Spending time with my family doing simple things (beach, picnics) that they will remember for ever... Being outdoors more than being indoors... Watching Mrs Imp's reaction at her first scary spider/snake etc... Having a great big stainless steel gas bbq (cliche, but don't care)... Being comfortable being myself and not feeling I have to keep up with the Joneses... Finding somewhere to call home, being happy, being the dad I want to be and then the grandad I wish my Dad could be... Watching my kids run away at 18 to work in Walkabout in London!!! Nothing new here, just nice to think about things like this every now and then!
  17. hi guys,.. been thinking about this for a number of years now and would just like some advice if possible. im a 42 year old pensions manager for a city councill in the uk,.. and have been working for local govournment in this or similar rolls most of my adult working life,..ive examined the skills ocupation list,. but im not entirely sure if my profession is actually on it or not,.... i see "generall manager" and "hr manager" and my job as the manager of the pensions departments is a little of both, does anyone think that my career does come under the skills on the list?,...if so what is the next step for me to look into this further? and what about my age? 42!. could this be a bg black mark against me? also im in a same sex long term relationship,... my partner and i have been together over 7 years and lived together for most of that,.my partners job skill (retail manager,. age 30) doesnot show on the s-o-l list,..so would there be someway that he could come with me on some kind of dependancy visa? (does oz even allow gay couples to migrate in this way?) as you can see its farly complicated for me,.. and im starting to wonder if its really if it would be something that would jsut never happen becuase of these issues so anyway,.. any help or advice you guys could provide me would be great thanx :smile:
  18. Hi All, I am hoping that there might be someone out there that can help. My partner has spent 26 years of here life living on the Mornington Peninsula. She left there in 1995. She would love to go back to the place she calls home. We have gone through the process of getting all info on the best possible way to do this. Unfortunately, my partner cannot get back into Oz on a 'returning residents visa', as we are both over 45! (What a crazy age limit huh!!:swoon:). Anyway, the only way that she can get back is if I apply for a 457 temp visa via a sponsorship. (I am 48 & my partner 49). I have over 20 years experience in the Construction Industry and we have been told that this would be the most logical, and quickest way to get in. We are using the services of a migration agent, (and there is soooooo much information needed!!!! It just goes on and on and on....and....!) O.K We are now getting to the point where I am activley seeking employment. This of course would ideally be in the SE area of Melbourne, ie; Mornington Peninsula. My partner knows this area like the back of her hand and still has many friends there, which she keeps in touch with, and they are keeping there ears to the ground in the hope of hearing about any jobs in the offing. I am subscribed to numorous recruitment agencies in the area too, as well as constantly sending my CV out to job applications via the Internet, (We currently live and work in SW France), but it is becoming very disapointing to get nothing back. I also scan job sites like; mycareer and careerone and linkme etc. We also seem to be getting conflicting reports about the construction job market there too. On one hand recruitment agencies are saying that there is very little work for locals at the moment, let alone for the poms. And then you read that there is still a real shortage of skilled construction workers in Victoria, and the DIAC are encouraging employers to use the 457 sponsor option to get the staff they is so desperatley needed for the construction industry, as they will 'Fast track all applications'. What I would love to know, (and I'm hoping this thread might bare some fruit here:wink: ) is if there is anyone else living on the Peninsula, or close, that might know of any potential building company that would consider sponsoring a quality, experienced, hardwork professional builder, and would help bring my partner back home. Any information would be gratefully received. Thanks, Nick & Wendy
  19. Just received confirmation that John will be doing his Vetassess practical in Feb! One little step closer, never thought we would get there thanks to all the set backs, one being royal mail taking a week to deliver the paperbase even though it was sent first class next day delivery, and cutting it fine for the dead line, just scraped by, Woo hoo x:yesxmas:
  20. After the joy of family I will go into Broad St Birmingham with my old mated from the Midlands area and have copious amounts of Timothy Taylor Landlord ale on draft….then go for a curry somewhere in the balti triangle….bliss.
  21. A question for those who might know the answer to this query........ I have recently opened an account with Moneycorp and made a couple of 'forward contracts' while the exchange rate for Oz looked good. I have paid my 10% deposit...with the remainder to be paid next year when we leave for Australia. I got a 3 page 'legally binding contract' come through from Mopneycorp and instructions on how to pay my deposit. My question is....for those of you that know....is it right that you don't get a 'formal' receipt for your deposits? I have requested receipts on a couple of occasions (in writing!) I have received an email from the accounts department saying yes they have received my deposits. I'm just aware someone has got £thousands££££ of our pounds and wil have for another 8 months....and all we have in an email as proof that we have given it to them. Can anyone confirm if this is normal...and that I haven't got anything to worry about please??!! Also....how secure/safe is your money/deposit with them......what if they do a 'Northern Rock' and go under??!! (I did ask this question...twice....and did (at the time) think I understood what Moneycorp told me...obviously...I didn't understand...can someone tell me in easy to understand language please :goofy: Many thanks in advance Jenny
  22. Hi there, at long last the status on our application has changed and we were asked by our agent to get meds done, we had them done last week and yesterday they were couriered to Sydney so hopefully we will have a decision soon. We cant believe it we started the process in March 2007 with our agents Concept Australia, who have been worth every penny and brilliant. So we are keeping fingers crossed everything will be ok and we will be out of here asap. Just to inform everyone our computer based application was done in March 2008 for a 176 visa so this will let you all know where you might be upto. Can anyone tell us what joiners might be earning in Perth per week.
  23. Hi guys i had the where to live in melbourne guide and forwarded it to a few folk a while back but i have since deleted it by mistake wondered if someone would mind sending me it plz? Thanks kelly x
  24. Was doing a bit of car hunting today which got me onto some basic workings out of running costs. 2001 falcon 4 litre petrol straight six engine does approx combined 9litres-100kms so lets say it does roughtly 26mpg at a cost of $1.40 per litre Then take my uk car. Peugeot 106 1.1 50mpg (4.7l/100kms) combined at a cost of $2.39 per litre uk prices So to do 100kms in the uk in my pug 106 would cost $11.23 To do 100kms in the big thirsty falcon in Oz would cost $12.60 Gawd i can't wait for cheap motoring again
  25. Guest

    Flights brought forward!

    I've just changed our flight booking!! We are now leaving on the 4th of Nov, instead of 24th Nov! We booked online with Singapore Airlines and it hasn't cost us any extra to change. I've even managed to get seats on the upper deck of the plane on the new flight (as I've been told it's better up there!) Really excited now!! Can't wait! Mags:wubclub: x