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To go or not to go to Australia?

dorksiderdorksider MandaluyongPosts: 1Member
edited February 2013 in Working in Australia
Hi Guys,

I am being offered a 457 visa for Australia(Brisbane).
The work is for a Programmer.

The package I am being offered is :
55,000 per annum. That is already minus the super annuation.

In your opinion would it be worth it to go?
I am currently working as Programmer here in the Philippines. I receive around 75,000 per month gross here.

Do you think moving to Australia is a good option or should I just stay here?

Thanks!

Comments

  • olrac183olrac183 Tokyo
    Posts: 80Member
    Joined: Apr 02, 2011
    What are your long term plans? I believe your long term plans will determine whether go or no go ang offer but if you don't have a family pa and at a relatively young age I suggest you to go and explore. The opportunity might not be there anymorr after some time.

    By the way, what is your capability as a programmer?
  • LittleBoyBlueLittleBoyBlue North Ryde
    Posts: 334Member
    Joined: Sep 03, 2012
    yes, it'll give you international exposure & will widen your perspective, better for your career.

    ICT Business Analyst - Visa 189 Granted Oct 2012

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    Hi Guys,

    I am being offered a 457 visa for Australia(Brisbane).
    The work is for a Programmer.

    The package I am being offered is :
    55,000 per annum. That is already minus the super annuation.

    In your opinion would it be worth it to go?
    I am currently working as Programmer here in the Philippines. I receive around 75,000 per month gross here.

    Do you think moving to Australia is a good option or should I just stay here?

    Thanks!
    Looks good but I would be wary about the salary though...

    In peso term this is a lot but if you live in Australia, this is around A$865 net of tax - depending on your gastos, this may be tight considering the very high cost of living in Australia.

    But personally, I will give it a go... :)

    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!

  • raiden14raiden14 Sydney
    Posts: 704Member
    Joined: Feb 27, 2013
    Im earning 6 digits net monthly, but im still applying for australia, why? Basically i have a family. In max of 10-15 years, my skills might not be that in the demand list anymore.

    Visa Grant - Dec 22, 2015

  • sydneybluedsydneyblued Sydney
    Posts: 123Member
    Joined: Nov 01, 2012
    If you're single, no doubts, grab the opportunity! If you have family na & dependents, in my opinion better grab it pa din, this opportunity will open more doors for you in the future. :)

    May 2011 - started collecting requirements | 05 Aug 2011 – ACS skill assessment submitted online | 27 Sep 2011 – ACS skill assessment result – Suitable | Oct 2011 - IELTS (L-7.5, R-7.5, W-7, S-6.5) | May 2012 – IELTS (L-8.5, R-8, W-6.5, S-7) | 04 July 2012 – EOI submitted | Sep 2012 – IELTS (L-8.0, R-6.5, W-7.5, S-7) | 01 Nov 2012 – SkillSelect invitation for Subclass 189 (60pts) | 04 Nov 2012 – 189 visa application lodged (3,060AUD) | 09 Nov 2012 - Acknowledgement received | 21 Nov 2012 – CO Allocated | 22 Nov 2012 – Request Checklist from CO for evidence of character and evidence of health | 26 Nov 2012 – Received a call in the office from OZ commission (COE verification) | 06 Dec 2012 – Medical exam at SATA CommHealth | 07 Dec 2012 – Singapore and Phil. NBI Police Clearance submitted to CO | 14 Dec 2012 – Visa Granted! --- Initial entry date: 20Nov2013 Thanks Lord!!!

  • scorcherscorcher Sydney
    Posts: 15Member
    Joined: Feb 12, 2013
    Just look at it as your starting point in oz if you decide to migrate permanently. Just manage your expenses accordingly and should be alright. Ang mabigat is the accommodation so I suggest to have a shared flat with other pinoys. Then at some point maybe after few years, you'll apply for PR which will eventually allow you to look for better options
  • NadineNadine Brisbane
    Posts: 481Member
    Joined: Dec 15, 2012
    edited February 2013
    Para po sa akin, go for it. For 2 main reasons:

    1. You may have a job offer right now. But that may not be the case down the line. In fact, policies are getting stricter, and I've only been here well over a month. I think I've read somewhere they're updating their 457 requirements. Kasi nga, madami namang locals na walang work, so they're tightening the 457. Tingin ko, now would be a good time to come in, rather than later.

    2. The salary may not be that attractive initially. But once you get Aussie experience (or maybe do some courses later on), your earnings will not stay the same. It's only bound to get better. :)

    And that's not even talking about the forced savings that your employer has to pay for you (in the form of super), free education for kids, clean tap water ready to drink (hehe), and Brissy is really nice too! :D

    21 Dec 2012 - 457 lodged
    7 Jan 2013 - medical finalised
    8 Jan 2013 - visa approved

  • lock_code2004lock_code2004 Perth
    Posts: 5,037Member, De-activated
    Joined: Feb 23, 2012
    its not only about what you earn now..
    its about what you can earn in the future.. what you can do after, what your family can get/experience in AU..

    most of the people here are earning lots of money now, but its not just about money in the end.. sabi ni kumpareng Maslow... una lang ang Physiological needs.. after ma satisfy yan.. kasunod na yan may higher level of needs/motivation pa...

    In Summary (parang Ielts lang lol)... compare your short term vs long term benefits...
    you will know the answer..

    Sep 24, 2011 - IELTS (L-8 R-8 W-8 S-7.5 : OBS-8)
    Jan 04, 2012 - EA application submitted | Feb 23, 2012 - EA assessment result (IE ANZSCO 233511)
    May 8, 2012 - Lodged GSM 175 online application | June 4, 2012 - CO Allocated
    June 22, 2012 - Medicals Finalized | Aug 30, 2012 - PCCs Completed (PH, UAE, USA)
    Sep 3, 2012 - Visa Granted (IED Jun 11, 2013) Thank You Lord!
    Oct 16-28, 2012 - Initial Entry Completed - Sydney
    July 28, 2013 - Final move to Perth
    Sep 9, 2013 - Started work with the same company i worked for in UAE/USA
    Oct 28, 2013 - Moved to another company.. ;)

  • LokiJrLokiJr Quezon City
    Posts: 2,616Member, Moderator
    Joined: Jan 13, 2011
    The superannuation benefit you get in Australia alone is something you can't match in the Philippines hehe....there's just too many perks in living in a developed country.

    Most of my clients who are working as programmers can earn around $100,000 annually....So relative to your offer, medyo mababa pa yan...but since wala ka namang 'local experience', it's a good offer already. Magkaroon kalang ng 1 year local exp you can bargain for a better package :D
  • TotoyOZresidentTotoyOZresident Posts: 1,335Member, Moderator
    Joined: Jun 28, 2011
    edited February 2013
    Hi Guys,

    I am being offered a 457 visa for Australia(Brisbane).
    The work is for a Programmer.

    The package I am being offered is :
    55,000 per annum. That is already minus the super annuation.

    In your opinion would it be worth it to go?
    I am currently working as Programmer here in the Philippines. I receive around 75,000 per month gross here.

    Do you think moving to Australia is a good option or should I just stay here?

    Thanks!
    Hi mate, I advise you to read carefully your contract.

    1. Hi how old are you?

    2 . Single ka pa ba?

    3. Di ba kasama ang superannuation? Superannuation is 9% minimum of your salary.

    4. Saan state ka? kung regional mas maganda.

    5. Nakalagay ba sa contract na sila ang mag sho-shoulder ng Private health?

    6. Kapag mag o-ot ka may bayad?

    7. Kapag ni relocate ka may allowance?

    8. Sagot ba nila ang May minimum 2 weeks relocating from phil to australia? like hotel to stay for minimum two weeks.

    9. Entitled ka ba sa Public holiday, leave, sick leave, bonuses?


    Ask your employer the following:

    A) if theres sallary increment after 6 months and every year if your performance is very good?

    B) do the company offer study or short training courses for their employee?

    C) may plano ba sila sayo para mag improve ang skills mo?

    D) After one or two year your planning to apply for Permanent resident. Are they willing to Sponsor you in PR Visa?

    Ask to have your contract draft and read carefully.

    Yung $55 annual. sapat na yun sa Single person kung nasa late 20s ka maayus pa yun. Back to zero ka ulit kapag ganun sahod mo i mean mag sisismula ka ulit dito. Mas okay kung hindi kasama ang supperannuation parang nasa 60 annual ang sahod mo.

    You said nasa 75 thou ka sa pinas. Malaki talaga ang level yun compare sa sahod mo dito. Parang ang sahod mo dito ay nasa pagitan ng entry at mid level na position. Ask mo kung puede gawin ng 65 thou because ang level ng sahod mo sa pinas is senior level. Kung 60 okay na rin its up to you.

    Check mo rin profile at status ng company sa web site nila. Kung malaking company. I search mo rin sa google kung may comment or testimony tungkol sa company na lilipatan mo.

    Ang pinaka importante are they willing to sponsor you in PR after one or two years. check mo rin kung regional ang place ng company. Kasi kung regional after a year puede ka mag apply ng PR visa.

    Ako kasi 457 for two years nagsimula sa entry level ang sahod baba talaga l. Pero nakaraos din Ako sa gabay ni God. Ngayun Approved na Australian citizenship ko after 4 years. every year naman tumataas ang sahod dipende sa performance. May choices ka din naman kung aalis ka sa company after 4 or 5 years.

    Hindi madali mag settle dito sa oz sikap at tyaga at faith ang kailangan. Dapat handa ka sa pag titis at harapin ang mga trials pero dapat maging positive thinker din. You can also sponsor your wife alowed din sya na makapag work. Mas maganda kung PR visa puede mo isama sa visa form at madala siya dito.

    Goodluck and God bless.

    Quotes:
    "Wise men learn from their mistakes, but wiser men learn from the mistakes of others."
    'Success is when you finished what you have started."

    If you’re looking for Church in Canberra ACT Australia and you want to fellowship with Christian Filipino Australian.
    Come and join us in Jesus Is Lord Church Canberra service every Sunday at 10:30AM to 12:30PM
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    http://jilcanberra.org.au

    "To God be the glory"

  • Pinoy_vegemitePinoy_vegemite Sydney
    Posts: 33Member
    Joined: Feb 17, 2013
    edited March 2013
    For life changing decisions like this, I highly recommend that you come up with a Grid Analysis. If you are not familiar with this decision making tool yet, you can check it from www.mindtools.com. This tool will allow you to jot down all those things that are important, assign weights, and decide objectively.

    TotoyOZresident's comment above is pretty comprehensive. If you have all those information, you would be able to come up withe a pretty reliable Grid Analysis.

    Before coming over to Australia, I was earning 100k a month. As a PR, I came here without a job offer and had to endure the stress of looking for a job for over a month. My first job had a salary lower than what you have been offered. Got my second job after a year and a half with the salary that I have been hoping to get.

    My situation is entirely different from yours but my point is, ships are not made to stay in the wharf. They are made to sail. Sure, there are risks involved, but is it not what life is all about? Look at the bigger picture. Ask yourself why you entertained the thought of coming over to Australia. The answer to your question might just be there.

  • peach17peach17 Los Angeles
    Posts: 1,684Member
    Joined: Jan 13, 2013
    Hi Guys,

    I am being offered a 457 visa for Australia(Brisbane).
    The work is for a Programmer.

    The package I am being offered is :
    55,000 per annum. That is already minus the super annuation.

    In your opinion would it be worth it to go?
    I am currently working as Programmer here in the Philippines. I receive around 75,000 per month gross here.

    Do you think moving to Australia is a good option or should I just stay here?

    Thanks!
    Hi mate, I advise you to read carefully your contract.

    1. Hi how old are you?

    2 . Single ka pa ba?

    3. Di ba kasama ang superannuation? Superannuation is 9% minimum of your salary.

    4. Saan state ka? kung regional mas maganda.

    5. Nakalagay ba sa contract na sila ang mag sho-shoulder ng Private health?

    6. Kapag mag o-ot ka may bayad?

    7. Kapag ni relocate ka may allowance?

    8. Sagot ba nila ang May minimum 2 weeks relocating from phil to australia? like hotel to stay for minimum two weeks.

    9. Entitled ka ba sa Public holiday, leave, sick leave, bonuses?


    Ask your employer the following:

    A) if theres sallary increment after 6 months and every year if your performance is very good?

    B) do the company offer study or short training courses for their employee?

    C) may plano ba sila sayo para mag improve ang skills mo?

    D) After one or two year your planning to apply for Permanent resident. Are they willing to Sponsor you in PR Visa?

    Ask to have your contract draft and read carefully.

    Yung $55 annual. sapat na yun sa Single person kung nasa late 20s ka maayus pa yun. Back to zero ka ulit kapag ganun sahod mo i mean mag sisismula ka ulit dito. Mas okay kung hindi kasama ang supperannuation parang nasa 60 annual ang sahod mo.

    You said nasa 75 thou ka sa pinas. Malaki talaga ang level yun compare sa sahod mo dito. Parang ang sahod mo dito ay nasa pagitan ng entry at mid level na position. Ask mo kung puede gawin ng 65 thou because ang level ng sahod mo sa pinas is senior level. Kung 60 okay na rin its up to you.

    Check mo rin profile at status ng company sa web site nila. Kung malaking company. I search mo rin sa google kung may comment or testimony tungkol sa company na lilipatan mo.

    Ang pinaka importante are they willing to sponsor you in PR after one or two years. check mo rin kung regional ang place ng company. Kasi kung regional after a year puede ka mag apply ng PR visa.

    Ako kasi 457 for two years nagsimula sa entry level ang sahod baba talaga l. Pero nakaraos din Ako sa gabay ni God. Ngayun Approved na Australian citizenship ko after 4 years. every year naman tumataas ang sahod dipende sa performance. May choices ka din naman kung aalis ka sa company after 4 or 5 years.

    Hindi madali mag settle dito sa oz sikap at tyaga at faith ang kailangan. Dapat handa ka sa pag titis at harapin ang mga trials pero dapat maging positive thinker din. You can also sponsor your wife alowed din sya na makapag work. Mas maganda kung PR visa puede mo isama sa visa form at madala siya dito.

    Goodluck and God bless.


    Hello po, ano po meaning ng superannuation?

    9 January 2013 Received Favorable Response from EA
    18 January 2013 Lodged EOI Application via SkillSelect
    21 January 2013 Received Invitation to Apply for Visa Subclass 189
    26 January 2013 Lodged Visa Application
    18 March 2013 CO Allocated, Team 34 Brisbane
    14 May 2013 Submitted Form 815
    23 May 2013 Submitted updated Form 815 with new passport details
    03 June 2013 VISA Grant! Thank you Jesus :)

  • peach17peach17 Los Angeles
    Posts: 1,684Member
    Joined: Jan 13, 2013
    Hmmm.... May thread na rin kaya on why we chose Australia over Canada or New Zealand?

    9 January 2013 Received Favorable Response from EA
    18 January 2013 Lodged EOI Application via SkillSelect
    21 January 2013 Received Invitation to Apply for Visa Subclass 189
    26 January 2013 Lodged Visa Application
    18 March 2013 CO Allocated, Team 34 Brisbane
    14 May 2013 Submitted Form 815
    23 May 2013 Submitted updated Form 815 with new passport details
    03 June 2013 VISA Grant! Thank you Jesus :)

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    edited March 2013

    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!

  • LokiJrLokiJr Quezon City
    Posts: 2,616Member, Moderator
    Joined: Jan 13, 2011
    @peach17 retirement fund po sa Australia yun...taxed at 15% kaya lahat ng pinapasok na pera dun e mas malaki ang ilalaki niya in the long run :)

    So kung $55,000 yung offer sa inyo, $4,950 yung additional retirement fund itatabi
  • countesscountess Sydney
    Posts: 10Member
    Joined: Jan 23, 2013
    Go for it! you're lucky to be offered a job whilst overseas. That's a decent salary if you know how to manage your finances. ung iba, andito na sa Au, nahihirapan maghanap ng work. not much of a risk for you kasi my sandalan ka na..
  • raiden14raiden14 Sydney
    Posts: 704Member
    Joined: Feb 27, 2013
    i agree! with @countess

    Visa Grant - Dec 22, 2015

  • peach17peach17 Los Angeles
    Posts: 1,684Member
    Joined: Jan 13, 2013
    @peach17 retirement fund po sa Australia yun...taxed at 15% kaya lahat ng pinapasok na pera dun e mas malaki ang ilalaki niya in the long run :)

    So kung $55,000 yung offer sa inyo, $4,950 yung additional retirement fund itatabi
    Thanks Sir @LokiJr for the explanation :)

    9 January 2013 Received Favorable Response from EA
    18 January 2013 Lodged EOI Application via SkillSelect
    21 January 2013 Received Invitation to Apply for Visa Subclass 189
    26 January 2013 Lodged Visa Application
    18 March 2013 CO Allocated, Team 34 Brisbane
    14 May 2013 Submitted Form 815
    23 May 2013 Submitted updated Form 815 with new passport details
    03 June 2013 VISA Grant! Thank you Jesus :)

  • NadineNadine Brisbane
    Posts: 481Member
    Joined: Dec 15, 2012
    edited March 2013
    @peach17: Hi! Alam mo, natutunan ko na rin super nung nag-umpisa nako mag-work. Although, I read up on it prior to coming, naramdaman ko siya nung nakita ko na payslip. Also, yung employer ko encouraged us to talk to an in-house financial adviser so we can clarify stuff.

    It's like SSS, except 100x better. For as long as you are employed, may obligation ang employer to contribute minimum of 9% of your salary to YOUR savings. 9% is the lower end. Some companies reach up to 12%!

    Usually, hindi kasali ang super sa pay mo talaga. Over and above your base salary. Sinasabi naman sa contract what the base is and what the guaranteed annual is. :D

    Ang super pwede natin "withdraw" if you plan to leave the country later on. Kasi pera natin to. But you will be taxed accordingly pag withdraw mo prematurely. Kung hindi naman and you stay permanently, makukuha mo as retirement savings. Sa tingin ko, kahit na mahirap din work and busy always, ok tong ganito na alam ko may pera ako later on. Ni hindi mo need mag contribute, ang employer ang mag contribute for you.

    Believe it or not, the financial adviser said that kahit 2% lang ng salary natin ay mag contribute tayo sa sarili nating super.

    P.S. Totally agree with @countess.

    21 Dec 2012 - 457 lodged
    7 Jan 2013 - medical finalised
    8 Jan 2013 - visa approved

  • LokiJrLokiJr Quezon City
    Posts: 2,616Member, Moderator
    Joined: Jan 13, 2011
    @Nadine, so ano arrangement mo ngayon sa employer? 2% of own salary plus SG? :)
  • NadineNadine Brisbane
    Posts: 481Member
    Joined: Dec 15, 2012
    edited March 2013
    @LokiJr: hello po. Yep, I went with the 2% personal contribution. And yung employer matched it with additional 10.2% :D.

    If I go with 5%, employer contribution goes up to almost 13%. Pero di ko pa kasi kaya hehe. I'm ok na muna with the 2%. Pwede din zero contribution and yung employer contributes 9% pa rin naman as their law requires. Also, I am salary packaging and sinali ko ang superannuation sa packaging. Plus, I claimed tax-threshold as well. So in essence, bumaba talaga ang tax bracket.

    Tax in Australia is the pits!

    Grabe ang tax dito. Pero sabi nga ng nanay ko, 30% din naman ang tax sa Pinas, na hindi mo nakikita kung saan napupunta. So, tax in Australia seems fair. :)

    21 Dec 2012 - 457 lodged
    7 Jan 2013 - medical finalised
    8 Jan 2013 - visa approved

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    @LokiJr: hello po. Yep, I went with the 2% personal contribution. And yung employer matched it with additional 10.2% :D.

    If I go with 5%, employer contribution goes up to almost 13%. Pero di ko pa kasi kaya hehe. I'm ok na muna with the 2%. Pwede din zero contribution and yung employer contributes 9% pa rin naman as their law requires. Also, I am salary packaging and sinali ko ang superannuation sa packaging. Plus, I claimed tax-threshold as well. So in essence, bumaba talaga ang tax bracket.

    Tax in Australia is the pits!

    Grabe ang tax dito. Pero sabi nga ng nanay ko, 30% din naman ang tax sa Pinas, na hindi mo nakikita kung saan napupunta. So, tax in Australia seems fair. :)
    Okey lang yan @Nadine - tax is not too bad in Australia pa rin, compare mo na rin sa situation sa taxation in the Philippines... Think definitely you are better off there! :)

    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!

  • LokiJrLokiJr Quezon City
    Posts: 2,616Member, Moderator
    Joined: Jan 13, 2011
    @Nadine sa superannuation at tax deductions ka bumawi ng tax sa Australia....mukha lang mataas tax nila kasi iniisip mo yung value in pesos hehe pero in comparison to what you're earning there...bawing bawi ka dyan hehe
  • alexamaealexamae Sydney
    Posts: 877Member
    Joined: Mar 16, 2011
    Go for it. :)
    D ka na kelangan gumastos to get a visa at gumastos to look for a job :)

    November 4, 2012 : ACS Assessment Systems Administrator - 262113
    December 08, 2012 : Both take IELTS
    December 18, 2012 : ACS Result Positive
    December 21, 2012 : IELTS Result
    January 10, 2013 : NSW SS Application
    January 10, 2013 : TRA Assessment ICT Customer Support Officer - 313112 (partner's skills)
    March 21, 2013 : TRA Result Positive
    March 22, 2013 : NSW SS acknowledgement email received
    May 16, 2013 : NSW SS Approved
    May 16, 2013 : EOI invite for 190 Visa
    May 24, 2013 : Lodged 190 Visa
    May 25, 2013 : Both Medicals Done (Drs Horne & Chin)
    June 4, 2013 : CO allocated Adelaide GSM Team 7
    June 8, 2013 : Meds Referred to MOC
    June 9, 2013 : Upload forms 80 and 1022
    June 17, 2013 : Upload both NBI Clearances
    June 28, 2013 : Upload both SG PCC
    August 15, 2013 : Visa Grant! Thank you so much Lord!! IED May 29, 2014

    Jeremiah 29:11 "For I know the plans I have for you,” declares the Lord, “plans to prosper you and not to harm you, plans to give you hope and a future."

  • peach17peach17 Los Angeles
    Posts: 1,684Member
    Joined: Jan 13, 2013
    @peach17: Hi! Alam mo, natutunan ko na rin super nung nag-umpisa nako mag-work. Although, I read up on it prior to coming, naramdaman ko siya nung nakita ko na payslip. Also, yung employer ko encouraged us to talk to an in-house financial adviser so we can clarify stuff.

    It's like SSS, except 100x better. For as long as you are employed, may obligation ang employer to contribute minimum of 9% of your salary to YOUR savings. 9% is the lower end. Some companies reach up to 12%!

    Usually, hindi kasali ang super sa pay mo talaga. Over and above your base salary. Sinasabi naman sa contract what the base is and what the guaranteed annual is. :D

    Ang super pwede natin "withdraw" if you plan to leave the country later on. Kasi pera natin to. But you will be taxed accordingly pag withdraw mo prematurely. Kung hindi naman and you stay permanently, makukuha mo as retirement savings. Sa tingin ko, kahit na mahirap din work and busy always, ok tong ganito na alam ko may pera ako later on. Ni hindi mo need mag contribute, ang employer ang mag contribute for you.

    Believe it or not, the financial adviser said that kahit 2% lang ng salary natin ay mag contribute tayo sa sarili nating super.

    P.S. Totally agree with @countess.


    Thank you sis @Nadine for this sharing. :)
    Ilang months ka na nag wwork sis?
    sang area ka po sa Australia?

    9 January 2013 Received Favorable Response from EA
    18 January 2013 Lodged EOI Application via SkillSelect
    21 January 2013 Received Invitation to Apply for Visa Subclass 189
    26 January 2013 Lodged Visa Application
    18 March 2013 CO Allocated, Team 34 Brisbane
    14 May 2013 Submitted Form 815
    23 May 2013 Submitted updated Form 815 with new passport details
    03 June 2013 VISA Grant! Thank you Jesus :)

  • NadineNadine Brisbane
    Posts: 481Member
    Joined: Dec 15, 2012
    @peach17: naka 2 paycheck pa lang, hehehe! I'm in Brissy. :)

    21 Dec 2012 - 457 lodged
    7 Jan 2013 - medical finalised
    8 Jan 2013 - visa approved

  • peach17peach17 Los Angeles
    Posts: 1,684Member
    Joined: Jan 13, 2013
    @peach17: naka 2 paycheck pa lang, hehehe! I'm in Brissy. :)
    wow, that's cool sis @Nadine :)
    single ka po ba dyan? or you're with your family?

    9 January 2013 Received Favorable Response from EA
    18 January 2013 Lodged EOI Application via SkillSelect
    21 January 2013 Received Invitation to Apply for Visa Subclass 189
    26 January 2013 Lodged Visa Application
    18 March 2013 CO Allocated, Team 34 Brisbane
    14 May 2013 Submitted Form 815
    23 May 2013 Submitted updated Form 815 with new passport details
    03 June 2013 VISA Grant! Thank you Jesus :)

  • LokiJrLokiJr Quezon City
    Posts: 2,616Member, Moderator
    Joined: Jan 13, 2011
    Masakit yung pre-retirement tax ng super a hehe...What some people do is they leave Australia, then pag umabot ka na sa preservation age, puwede mo na balikan yung naiwan mo sa super :)
  • NadineNadine Brisbane
    Posts: 481Member
    Joined: Dec 15, 2012
    edited March 2013
    Masakit yung pre-retirement tax ng super a hehe...What some people do is they leave Australia, then pag umabot ka na sa preservation age, puwede mo na balikan yung naiwan mo sa super :)
    @LokiJr: totoo yan. Yan ang sabi sakin nung financial adviser. If I have it pre-taxed in my salary packaging, that's additional 35% tax if I withdraw pre-retirement, over and above the 15% tax now (15% lang because it's being salary packaged). More than a 3rd of the entire amount!! On the other hand, if it's after tax, it's taxed as per bracket now. And if taken out prematurely, no additional tax will be levied. Magulo noh? Hehe. But I sort of understand that it is a way to not abuse the system. :)

    @peach17: naka 2 paycheck pa lang, hehehe! I'm in Brissy. :)
    wow, that's cool sis @Nadine :)
    single ka po ba dyan? or you're with your family?
    hi sis. nope, not married. :)

    21 Dec 2012 - 457 lodged
    7 Jan 2013 - medical finalised
    8 Jan 2013 - visa approved

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