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Search: Posts Made By: RRZ
Showing results 1 to 25 of 39
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Forum: Australia
Apr 30th 2009, 2:01 pm
Replies: 57
Views: 3,956
Posted By RRZ

Re: UK State Pension

I have just started looking at this and the impression I get is that although you may not be entitled to a huge UK state pension it may be worthwhile continuing to make contributions - you don't have...
Forum: Australia
Apr 18th 2009, 1:21 pm
Replies: 34
Views: 3,503
Posted By RRZ

Re: DEVASTATED!!! Help, need to make a decision!

I live in Adelaide, but would suggest Perth. Given that your husbands in the building industry I think Perth will come out of any recession faster than Adelaide - it went in earlier - and it is...
Forum: Australia
Oct 1st 2007, 1:31 pm
Replies: 35
Views: 3,415
Posted By RRZ

Re: Pension transfer

Sorry, I'm correcting myself - sadly this is quite common - GlobalPension do in fact cap fees and it is mentioned clearly in their website. Fees for advice + transfer apparently range from 3.5% to...
Forum: Australia
Oct 1st 2007, 1:15 pm
Replies: 35
Views: 3,415
Posted By RRZ

Re: Pension transfer

They may be, but their website says their fees are still 2.75% on pure transfer (min AUD990) and I don't see any cap mentioned? With advice the fees are even higher, and just get a commitment that...
Forum: Australia
Sep 30th 2007, 11:23 am
Replies: 5
Views: 643
Posted By RRZ

Re: Moving from Melbourne to Adelaide

Thanks everyone, I'll take Mr. Mover' s ;) as a sign that he may be a little biased .. cheers!
Forum: Australia
Sep 27th 2007, 10:53 am
Replies: 5
Views: 643
Posted By RRZ

Moving from Melbourne to Adelaide

Hi

We are on our way from Melbourne to Adelaide at the end of the year. Would really welcome some advice as to who would be the best removalists to use - quality and value for money wise. Apart...
Forum: Australia
Sep 25th 2007, 11:31 am
Replies: 35
Views: 3,415
Posted By RRZ

Re: Pension transfer

A lot of the pension transfer "specialists" worry me and here are all the reasons:

1) The fees - one mentions that it is the lowest cost provider (it isn't by a long way .. where is Consumer...
Forum: Australia
Sep 10th 2007, 12:40 pm
Replies: 1
Views: 566
Posted By RRZ

Re: Cashing in ISAs and PEPs

My view would be that if you have been paying tax on the incremental (capital) gain every year - under FIF requirements - and this fully covers the gain then no further tax would be payable. FIF...
Forum: Australia
Sep 7th 2007, 3:00 am
Replies: 1
Views: 364
Posted By RRZ

Re: Selling US shares in OZ

Hi

Try www.exfin.com, they put us onto a broker last year who sold some UK shares for us. Took about two weeks though, and they needed to see the original share certificates in the UK.

Cheers
Forum: Australia
Aug 29th 2007, 12:27 am
Replies: 4
Views: 557
Posted By RRZ

Re: Schools

Only WA and Victoria have tables, and they only relate to final years results. But the SA government does collect them and makes them available to schools - so you can ask for a comparison of the...
Forum: Australia
Aug 26th 2007, 12:46 pm
Replies: 32
Views: 2,314
Posted By RRZ

Re: UK banks which are best to access from Aus

Thank you Gina .. much obliged ... hadn't thought of doing it that way. I will miss spending hours trying to get through to the Lloyds Branch on the phone and then trying to find someone who...
Forum: Australia
Aug 25th 2007, 4:46 am
Replies: 32
Views: 2,314
Posted By RRZ

Re: UK banks which are best to access from Aus

We have an account with Lloyds TSB and have no problem operating internet banking as far as paying local bills etc., However, we have two other problems:

1) Occasionally they demand by letter (to...
Forum: Australia
Aug 25th 2007, 4:16 am
Replies: 60
Views: 11,559
Posted By RRZ

Re: Canada to Oz

I "think" there's a limit - $A50,000 - below which you don't have to report RRSP's for FIF tax purposes - but please don't rely on this, I didn't have to research this area. We looked at advice from...
Forum: Australia
Aug 23rd 2007, 1:15 am
Replies: 60
Views: 11,559
Posted By RRZ

Re: Canada to Oz

Sorry, I am going to add a boring financial comment :( If you have an RRSP then you can access it ahead of time - there are withholding taxes payable but I believe they are reduced under the...
Forum: Australia
Aug 13th 2007, 6:08 am
Replies: 7
Views: 941
Posted By RRZ

Re: superannuation funds

It's worthwhile looking at the public offer funds, such as AustralianSuper. The retail funds eg. BT/CFS are often "pushed" by financial adviser because they get a trail commission - they generally...
Forum: Australia
Jul 9th 2007, 2:45 am
Replies: 32
Views: 3,222
Posted By RRZ

Re: Transferring Pensions - be careful

I think caution is correct; but don't discount the impact of "no tax" on income post 60 in any financial assessment. I had a report done by an Actuary - and I have some experience in this area - and...
Forum: Australia
Jul 7th 2007, 11:57 pm
Replies: 32
Views: 3,222
Posted By RRZ

Re: Transferring Pensions - be careful

Hi

I've just completed the process for two funds, so I'll make some comments purely on that (non-expert) basis:

1) I wasn't asked for my birth and marriage certifiactes and just like you I...
Forum: Australia
Jun 21st 2007, 11:46 am
Replies: 5
Views: 648
Posted By RRZ

Re: Buying a house in Melbourne - costs etc ?!

I think this might help - if the link works - it's a buying and selling guide from the Victorian Consumer Affairs department. If the link doesn't work just go to http://www.consumer.vic.gov.au and...
Forum: Australia
Jun 12th 2007, 1:35 pm
Replies: 32
Views: 3,222
Posted By RRZ

Re: Transferring Pensions - be careful

Totally agree with the above analysis. I had the Actuarial analysis done and it showed that I was (very) much better of transferring the UK pension to Australia - the major driver was the tax free...
Forum: Australia
Jun 4th 2007, 11:03 am
Replies: 9
Views: 659
Posted By RRZ

Re: pension transfers

I totally agree, I was trying to be "nice". One firm laid it on particularly thick - too bad there isn't a law against obvious "scaremongering":frown: Hopefully bad karma will follow them ..
Forum: Australia
Jun 4th 2007, 10:57 am
Replies: 8
Views: 787
Posted By RRZ

Re: School Fees

It is not clear whether you are talking about private schools or government schools. As said, you will have to do a bit of research regarding the schools in the areas you mention - even fees for...
Forum: Australia
Jun 4th 2007, 10:40 am
Replies: 9
Views: 659
Posted By RRZ

Re: pension transfers

Some (really) good news, I think. The firm doing my transfer has just sent me a link to an article in the UK which says that the HMRC have given the "green light" to pension transfers to Australia...
Forum: Australia
May 31st 2007, 6:17 am
Replies: 4
Views: 552
Posted By RRZ

Re: british pensions

I don't think anything is actually "on hold" at the moment, or I hope so - it's just that anyone wanting (and able!) to put 1M Aussie in their fund has to do it before 30 June. Mine is certainly...
Forum: Australia
May 30th 2007, 12:48 am
Replies: 33
Views: 2,574
Posted By RRZ

Re: UK Pension funds

Quite right, you will probably be caught by FIF rules (unless under 50K) - the only exception to FIF in the case of pensions is if they are "employer sponsored" funds. It's a stupid piece of...
Forum: Australia
May 29th 2007, 11:20 am
Replies: 5
Views: 1,043
Posted By RRZ

Re: Global Pensions ?

I think that advice is correct for some people - particularly if they have just arrived and are 101% sure they are going to stay. As for me - my fund wouldn't transfer it for me and, because I had...
Showing results 1 to 25 of 39
 
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