Cost of living figures - Page 143

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Cost of living figures - Page 143


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  #1421 (permalink)  
Old 26th February 2015, 09:52 PM
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Originally Posted by avinash2603 View Post
I have 189 visa. Is it a PR visa ? Do I have to pay international fees for kids ?

Regards,
Avinash
No, you don't have to pay international fees for kids if you have a PR. Infact, the government schools are pretty cheap.

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  #1422 (permalink)  
Old 1st March 2015, 01:26 PM
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Quote:
Originally Posted by Perthliving View Post
I have been here over 20 years. Very very lucky to have a family here already.

The minimum wage in australia is $33,000 P/year

Tax rate for this is 19% quite high. There is also a 10% gst. You will use approximately 15,000 per year MINIMUM on rent for a house or 2 bedroom unit. 5000 on tax. Insurances and cost of living for 1 man or woman will use about $869 per week moneysmart . Gov . Au is the minimum on living costs for bare minimum. That's about 45000 per year. You can see minim wage does not support the minimum standard of living. Many people in australia are 'rich poor'. there are many many of these jobs available becuase no one wants to do them as they will not support a family. Cleaning. Mcdonalds. Etc the wage does not go up more than minimum. But the jobs are there. The median wage is 50000. Most people earn this. You can see suddenly you only have 5000 per year to save that's by yourself. With wife and kids this becomes negative.

Cost of living in adel is lower than melb however there are less jobs. Lower pay. It's all relative.

If you have a family do not come to Australia and think 60k is a lot of money you will be a slave. 100 is livable. 160k is what you need to have a family and 'live' in australia. Buy a car. A house. Send kids to school. Don't forget university fees for students who are international can be 100k per year....

Australia is very much set up to look after their citizens who are 2+ generation. Do not expect to move here and suddenly have a good job. Good pay. Nice house. Easy life.

I know many chinese and Indian accountants and engineers who come here and can't get a job for 6-12 months and have left. They come. Bring all their money. Live in backpackers to save money. Then realize all the high pay good jobs are reserved for 'locals' then they get a job as a barman or cleaner on minimum wage and after 2-3 years go home with less money then they arrived with. No job.

I have an Indian friend who bought a starter house. For 380k it's 2 hours from the city. He's a chef. The locals won't hire him for anything than cleaning plates. He has 2 children and a wife and a new house but they live off rice and food he brings home from work as his loan is 60% of his income. Then there's 20% tax. Then 10% gst. They have no savings and he is about to move back to India becuase in 7 years he has nothing. His house was built in a new estate with no train or shops or hospital or police. They said it would come in 2 year but it has been 7 and they still haven't started. He has paid nothing from the loan but interest to the bank.

This is the situation many many immigrants face coming to Australia.

Try not to believe all the TV and newspaper advertisements saying 'come to Australia high wages high money lots of space' I will take a photo of the houses they make now. A small 2-3 bedroom house with no grass wall to wall 2 hours from the city will cost $350,000 it is suitable for 1-2 person students. But it is advertised heavily as 'immigrant housing' not suitable for families. They do not have planning laws to stop it.

As proof how bad it is. The Guardian has figures that for every 5 people who go into australia 3 of them leave. 60% leave due to no work. Not enough money or income. Living standard going down. Isolation and no friends. It's not easy to move to Australia which is why I come back to wage. If you cannot get a job that pays 100k minimum 160k for a family do not try to move to Australia it is a trap to get cheap workers and is almost like being a slave.
Quite a scary post. Ok I did my studies in Oz and was there for two years. I had a part time job in Coles and most of the other employees were full time. The full time worker were earning about 4000 per month and many with faimilies. My question is how were they surviving. Going with pertliving's stat's they would have perished. I have also been to their Saturday BBQ parties and they did lead a decent life.

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  #1423 (permalink)  
Old 2nd March 2015, 05:36 PM
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Originally Posted by Raviinc View Post

Quite a scary post. Ok I did my studies in Oz and was there for two years. I had a part time job in Coles and most of the other employees were full time. The full time worker were earning about 4000 per month and many with faimilies. My question is how were they surviving. Going with pertliving's stat's they would have perished. I have also been to their Saturday BBQ parties and they did lead a decent life.
It is scary post actually but to add here my point of view as well, this depends upon person to person and case to case.

Sometimes, people are nt happy even after earning 200k $ and some r happy with even 100k $ or less.

I stayed for more than a year in Oz and was earning 70k $ and was living very good life and was happy..

It was more about living a decent lifestyle with good work life balance.

What does one think, even if someone go to US(land of opportunity ), will it so easy to live very lavish lifestyle and paying all their homeloan debts within 4-5 years...if so, then we are fooling ourselves.

Lets be practical and realistic.

Migration does not mean running away or end of all problems...it has also their own pros and cons, and one should learn to live with....and it takes time for everyone to settle down.

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  #1424 (permalink)  
Old 10th March 2015, 04:18 AM
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It can be quite daunting when you first arrive and you're still converting back to your home country currency.

You could visit real estate sites, grocery store site like Coles and Woolworths as accommodation and food would probably be the biggest expenses.

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  #1425 (permalink)  
Old 10th March 2015, 05:54 AM
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What you need to realise is that most middle-class families maintain their standard of living by having both parents working even when the children are young. The government expect this and also expect both men and women to work until at least 65 (unless they can support themselves independently) If young families have the grandparents living nearby, the grandparents often help out with babysitting and in many cases contribute to the cost of private school fees.
It might be easy for you to assume that because the generations do not often live together and have somewhat separate lives, that families are not close. This is not usually true; we have many activities with our children and grandchildren but also go out separately with friends.
Many parents also help their kids by helping them buy a house. But we still have a British type taboo on discussing money and, in our case, even our best friends will never be told the amount we gave the kids towards thei house deposits. Nor would I expect them to tell anyone.

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  #1426 (permalink)  
Old 17th March 2015, 09:39 AM
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Quote:
Originally Posted by virusme View Post
Is the employer providing Medical Insurance?

457 visa holders cannot access Medicare, and medical insurance is an extra cost that has to borne by either you or the employer. You will have to pay full rate for child care(around 110$ a day). Again, school fees are at full rate for 457.

With 115K per year, super = 9% , that would mean your pay would be roughly around 105K per year, after tax that would be around 65-70K per year which is around $1300 odd per week.

Per week in Sydney: (assuming you will work near the city/CBD)
Rent = 400$-500$ per week (1-bedroom apt) (unless you want to live 40Kms away from CBD, then it will be around 300-400$)
Weekly travel ticket (public transport for one person) = 40-50$ (if you live 40km away, this jumps higher)
Utilities (elec/gas, internet, phone) = 40-50$
Car (petrol (assuming you dont drive much) + insurance + rego) = $50 (the assumption is that you will travel to work by public transport, in case you wish to drive to CBD workplace, then you will have to cough up parking fees of minimum 60-80$ per day, 5-15$ per hour)
Medical insurance = $30-$50
also note that those on 457 visa get LAFHA (living away from home allowance) which is non taxable. If you assume the annual pay to be 105K, you can safely assume the LAFHA component in it to be 25K which is tax free.

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  #1427 (permalink)  
Old 18th March 2015, 08:49 AM
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Originally Posted by evangelist View Post
also note that those on 457 visa get LAFHA (living away from home allowance) which is non taxable. If you assume the annual pay to be 105K, you can safely assume the LAFHA component in it to be 25K which is tax free.
LAFHA was removed long back in 2012.
evangelist likes this.

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  #1428 (permalink)  
Old 18th March 2015, 02:27 PM
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Quote:
Originally Posted by virusme View Post
Is the employer providing Medical Insurance?

457 visa holders cannot access Medicare, and medical insurance is an extra cost that has to borne by either you or the employer. You will have to pay full rate for child care(around 110$ a day). Again, school fees are at full rate for 457.

With 115K per year, super = 9% , that would mean your pay would be roughly around 105K per year, after tax that would be around 65-70K per year which is around $1300 odd per week.

Per week in Sydney: (assuming you will work near the city/CBD)
Rent = 400$-500$ per week (1-bedroom apt) (unless you want to live 40Kms away from CBD, then it will be around 300-400$)
Weekly travel ticket (public transport for one person) = 40-50$ (if you live 40km away, this jumps higher)
Utilities (elec/gas, internet, phone) = 40-50$
Car (petrol (assuming you dont drive much) + insurance + rego) = $50 (the assumption is that you will travel to work by public transport, in case you wish to drive to CBD workplace, then you will have to cough up parking fees of minimum 60-80$ per day, 5-15$ per hour)
Medical insurance = $30-$50
Thanks for sharing this but then is it different for PR holders or is it the same?

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  #1429 (permalink)  
Old 20th March 2015, 03:49 AM
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cost of goods in Australia is too much high. But the salaries of people is high. so there things goes equal. overall the life in Australia is happy and people live happy and enjoy their life happy.

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  #1430 (permalink)  
Old 21st March 2015, 03:07 AM
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Hi guys, need help on the best option of what to do after getting PR:

I am 30 years of age. I have a bachelors degree in industrial engineering from India and a masters degree in management from the US. I did a job in the US for a couple of years post my degree in the US and then later moved to India to join my family business. I have been in the family business for about 4 years now. My wife and I should be getting Australian PR (189) in about 3-4 months time. My family is planning to wind up the business in the next 6 months and I do not wish to continue in it. My wife is a doctor in India. Now if I move to Australia with PR (189), I have 3 options:

Straight look for a job (which is unlikely) since I’ve heard it is very difficult to get job without local experience

Do a masters degree in Operations or SCM from a good Australian University and then look for a job (my question is that is it easy to find a job post masters from a top ranking university in Australia if you already have a PR when you graduate?)

Start or buy an existing business in Australia (I can invest up to AUS $ 350,000 without taking a loan)

I do not mind locating anywhere in Australia (not really particular about any state, city or area)

Can someone who really knows Australia well tell me that which of the above 3 options would be best suited for me?

Please note that it will be difficult for my wife to practice medicine in Australia since Indian medical degrees are not recognized in Australia. So she will either have to do another course and take up a job there or join me in business if that is a better option..

It would be great to have an answer from someone who really knows Australia well enough to help me choose the best of the 3 option as above..

Many Thanks

Karan

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