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Check out the new 2017-2018 Medium and Long Term Strategic Skill List (MLTSSL) and Short‑term Skilled Occupation List (STSOL) - formerly known as SOL and CSOL here

Let's talk about Superannuation Investment!

What's Hot
TotoyOZresidentTotoyOZresident Total Reaction Points: 141Member, Moderator
in General Posts: 1,329
Please share your knowledge about Superannuation Investment, choosing your investment strategy, pros and cons. Thanks
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
Where: 53 Georgina Crescent, Kaleen ACT 2617
(Back of Kaleen Shopping Centre)
For more information, please PM me or visit

http://jilcanberra.org.au

"To God be the glory"
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  • TotoyOZresidentTotoyOZresident Total Reaction Points: 141Member, Moderator
    Posts: 1,329
    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
    Where: 53 Georgina Crescent, Kaleen ACT 2617
    (Back of Kaleen Shopping Centre)
    For more information, please PM me or visit

    http://jilcanberra.org.au

    "To God be the glory"
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  • TotoyOZresidentTotoyOZresident Total Reaction Points: 141Member, Moderator
    edited May 2015 Posts: 1,329
    PreMIxed Options of AustralianSuper
    High Growth
    Balanced
    Sustainable Balanced
    Indexed Diversified
    Conservative Balanced
    Stable
    Capital Guaranteed

    DIY Mix Options of AustralianSuper
    1. Australian Shares
    2. International Shares
    3. International Shares - Hedged
    4. Australian Sustainable Shares
    5. International Sustainable Shares
    6. Property
    7. Australian Fixed Interest
    8. International Fixed Interest
    9. Diversified Fixed Interest
    10. Cash

    For more info link: http://www.australiansuper.com/investments-and-performance/super-investment-choices/diy-mix-investment-choice.aspx

    Note: Superannuation investments, are subject to the risk that the value of the investment may rise or fall and produce a return which is less than you anticipate. Rises and falls in value can occur rapidly and for a variety of reasons.
    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
    Where: 53 Georgina Crescent, Kaleen ACT 2617
    (Back of Kaleen Shopping Centre)
    For more information, please PM me or visit

    http://jilcanberra.org.au

    "To God be the glory"
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  • TasBurrfootTasBurrfoot OsakaTotal Reaction Points: 261Member, Moderator
    Posts: 4,297
    I am with Mercer Corporate Super Plan - my inflows the past 3 months has been directed to Overseas Shares Unhedged (to maximize the weak AUD and strong outlook on global equities).

    Previously - I place my inflows as follows: 30% Growth, 40% High Growth and 30% High Growth.

    A bit agressive but hey, I am 3 decades away from retirement... :)

    And yeah, apart from the SG of 9.5% - me and my wife do a salary sacrifice of 9.5% and add it into our Super. We started lated in the Super Game hence we need to catch up.
    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!!
    chocolatepink
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  • inwayahinwayah BrisbaneTotal Reaction Points: 6Member
    Posts: 22
    Hi po, I am new in my employment and I just go with the default Super Annuation company that my employer offers. what I am thinking of is to add money through salary packaging on top of the 9.5%. hanggang dun lang muna with my limited technical knowledge in SA investing esp in AU market. For now, I might be more comfortable investing sa atin through COL Financial which I have started years ago.
    johnvangie
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  • TasBurrfootTasBurrfoot OsakaTotal Reaction Points: 261Member, Moderator
    Posts: 4,297
    Hi po, I am new in my employment and I just go with the default Super Annuation company that my employer offers. what I am thinking of is to add money through salary packaging on top of the 9.5%. hanggang dun lang muna with my limited technical knowledge in SA investing esp in AU market. For now, I might be more comfortable investing sa atin through COL Financial which I have started years ago.
    That is not a problem, add in more money to your super lang to make up for lost times as we started late versus those born in Australia. You should take note though that your money cannot be accessed until retirement.
    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!!
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  • louiebonifacio1louiebonifacio1 SydneyTotal Reaction Points: 0Member
    Posts: 4
    Hi All, my name is Louie Bonifacio from Sydney. If you would like to receive advice on your superannuation and personal insurance, we can help. We do not sell products. We sell our services to provide a financial plan for you. Commissions from any product we will recommend will be rebated back to you. If you would to know more visit our website (www.my-ifa.com.au) or send me a message.
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  • TasBurrfootTasBurrfoot OsakaTotal Reaction Points: 261Member, Moderator
    Posts: 4,297
    Hi All, my name is Louie Bonifacio from Sydney. If you would like to receive advice on your superannuation and personal insurance, we can help. We do not sell products. We sell our services to provide a financial plan for you. Commissions from any product we will recommend will be rebated back to you. If you would to know more visit our website (www.my-ifa.com.au) or send me a message.
    Let's go straight to the point here if you don't mind... What is in it for you on this type of service if commission will be rebated...
    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!!
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  • KillerQTKillerQT Los AngelesTotal Reaction Points: 1Member
    Posts: 45
    @TasBurrfoot hello! ask ko lang about yung superannuation how it works. Just want to clarify... we can put money as we wish sa superannuation account ko?

    for example: I'm migrating from SG to OZ soon... in SG we also have CPF. yung laman ng CPF (Ordinary, Special account and Medisave account) we can transfer to my superannuation account or let say I have extra money that I can commit sa superannuation account? Aside po ito sa employee/employer share.
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  • MisterKehnMisterKehn SydneyTotal Reaction Points: 17Member
    Posts: 233
    @TasBurrfoot hello! ask ko lang about yung superannuation how it works. Just want to clarify... we can put money as we wish sa superannuation account ko?

    for example: I'm migrating from SG to OZ soon... in SG we also have CPF. yung laman ng CPF (Ordinary, Special account and Medisave account) we can transfer to my superannuation account or let say I have extra money that I can commit sa superannuation account? Aside po ito sa employee/employer share.
    same here.. I'm also interested in these..
    31-July-2014: IELTS IDP - 1st Take
    30-Oct-2014: IELTS IDP - 2nd Take
    10-Jan-2015: IELTS BC - 3rd Take
    11-Feb-2015: Submitted CDR to EA
    07-July-2015: Received positive assessment from EA
    08-July-2015: EOI submitted for Visa 190(SS)
    31-July-2015: 1st take PTE (failed)
    23-Aug-2015: 2nd take PTE(failed)
    09-Sept-2015: 3rd take PTE results: Pass(finally!!!). Score converted to IELTS is 7.5 in each band
    09-Sept-2015: Updated EOI for Visa 189 (Total points: 65)
    09-Oct-2015: ITA received for Visa 189
    11-Oct-2015: Visa Lodge
    22-Oct-2015: Uploaded COC
    04-Nov-2015: Medicals uploaded
    10-Nov-2015: Visa Grant - Thank you Lord! .. :)
    April-2016: Initial Entry Sydney
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  • TasBurrfootTasBurrfoot OsakaTotal Reaction Points: 261Member, Moderator
    Posts: 4,297
    @TasBurrfoot hello! ask ko lang about yung superannuation how it works. Just want to clarify... we can put money as we wish sa superannuation account ko?

    for example: I'm migrating from SG to OZ soon... in SG we also have CPF. yung laman ng CPF (Ordinary, Special account and Medisave account) we can transfer to my superannuation account or let say I have extra money that I can commit sa superannuation account? Aside po ito sa employee/employer share.
    @KillerQT and @MisterKehn pwede po kayo mag contribute ng pera sa superannuation mo from excess money (including proceeds from your CPF) - this what you call non concessional contribution (or after tax contribution); tax free ito up to $180K ata (or if you invoke the bring forward rule, up $540K or 3x $180k).

    Kami naman ni misis, we salary sacrifice naman 10% of our gross pay and top it up in addition to the employee share. In a way this is a form of lowering your tax as this will only be slugged at 15% instead of your top marginal rate of say 32.5%.

    You mileage may vary but kami we did not place out savings from Singapore to the Superannuation - ang problema kasi sa Super is that for us it will take more than 3 decades before we can access the money. It would be better to place it as a deposit to your house if feel ninyo maging home owner.
    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!!
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  • LizzieLizzie StockholmTotal Reaction Points: 3Member
    Posts: 10
    If you're planning to salary sacrifice extra contribution to super just be mindful that there's a threshold to the concessional rate of 15% tax. Anything above the threshold is taxed at your marginal tax rate
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  • KillerQTKillerQT Los AngelesTotal Reaction Points: 1Member
    Posts: 45
    @TasBurrfoot I see... nagweweight din kasi ko for our pension / retirement plan. kasi if I will start from scratch super liit ng laman ng Superannuation account namin. At the same time I want to be a home owner as early as possible. I will be 34yrs old by the time we migrate and start working in OZ 2016 kaya I feel medyo late na. hehe.
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  • MisterKehnMisterKehn SydneyTotal Reaction Points: 17Member
    Posts: 233
    @Tasburrfoot- Thanks for the info. This means, it's the same concept as Singaporean CPF. Where in, they can only withdraw there CPF until they are 60 years old.

    Gusto rin naming maging home owner ni mrs, so we might as well buy a home in oz.. from our SG savings including CPF.

    @KillerQT- nothing is late... mas late kami hehe..

    31-July-2014: IELTS IDP - 1st Take
    30-Oct-2014: IELTS IDP - 2nd Take
    10-Jan-2015: IELTS BC - 3rd Take
    11-Feb-2015: Submitted CDR to EA
    07-July-2015: Received positive assessment from EA
    08-July-2015: EOI submitted for Visa 190(SS)
    31-July-2015: 1st take PTE (failed)
    23-Aug-2015: 2nd take PTE(failed)
    09-Sept-2015: 3rd take PTE results: Pass(finally!!!). Score converted to IELTS is 7.5 in each band
    09-Sept-2015: Updated EOI for Visa 189 (Total points: 65)
    09-Oct-2015: ITA received for Visa 189
    11-Oct-2015: Visa Lodge
    22-Oct-2015: Uploaded COC
    04-Nov-2015: Medicals uploaded
    10-Nov-2015: Visa Grant - Thank you Lord! .. :)
    April-2016: Initial Entry Sydney
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  • KillerQTKillerQT Los AngelesTotal Reaction Points: 1Member
    Posts: 45
    @MisterKehn hahaha! Ganun ba... sorry. Atleast my chance to put more money kapag may extra money. Mas sulit maging home owner sa OZ.
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  • tontoronskytontoronsky SydneyTotal Reaction Points: 13Member
    Posts: 185
    If you're planning to salary sacrifice extra contribution to super just be mindful that there's a threshold to the concessional rate of 15% tax. Anything above the threshold is taxed at your marginal tax rate
    Hi Maam @Lizzie can you pls expound on this. Thanks
    Dec 11, 2012 - Submitted Skills Assessment Engineers Australia (Telecommunications Engineer)
    Mar 23, 2013 - Took IELTS Exam (GT)
    Apr 2, 2013 - IELTS Result (Listeneing=8.5, Reading=7.0, Writing=7.0, Speaking=7.0)
    Apr 22, 2013 - Received positive Skills Assessment EA (Telecommunication Engineer)
    Apr 27, 2013 - Lodged EOI (Telecommunication Engineer) Ceiling Reached
    June 3, 2013 - Received Positive Assessment EA (Telecommunications Technical Officer/Technologist)
    June 4, 2013 - Lodged EOI (Telecommunications Technical Officer/Technologist)
    June 17, 2013 - Invited to apply Visa 189
    June 26, 2013 - Submitted Visa 189 Application
    Aug 10, 2013 - Form 80 uploaded
    Aug 13, 2013 - NBI and Pay slips uploaded
    Aug 16, 2013 - Medicals
    Aug 27, 2013 - Medicals uploaded by St. Lukes
    Sep 17, 2013 - Visa Grant! \m/
    IED: 25 July 2014
    Nov 23, 2013 - Flight to Melbourne

    Thank you God and thank you PinoyAu
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  • TasBurrfootTasBurrfoot OsakaTotal Reaction Points: 261Member, Moderator
    Posts: 4,297
    If you're planning to salary sacrifice extra contribution to super just be mindful that there's a threshold to the concessional rate of 15% tax. Anything above the threshold is taxed at your marginal tax rate


    Hi Maam @Lizzie can you pls expound on this. Thanks
    @tontoronsky - concessional contributions are your salary sacrifice and the superannuation guarantee paid by your employer. Currently in a given financial year, $30K ang limit nito.

    What does it mean? You concessional contribution, as long as it has not exceeded 30K will be taxed at the concessional 15% rate. However once you have exceeded the $30k limit, the tax will be at your marginal tax rate; i.e. 37% if you are earning $95K a year.
    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!!
    tontoronsky
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  • tontoronskytontoronsky SydneyTotal Reaction Points: 13Member
    Posts: 185
    @TasBurrfoot - if nag exceed sa $30k and concessional contri, yung buong 30k b ang subject to marginal tax rate or yung excess lang?
    Dec 11, 2012 - Submitted Skills Assessment Engineers Australia (Telecommunications Engineer)
    Mar 23, 2013 - Took IELTS Exam (GT)
    Apr 2, 2013 - IELTS Result (Listeneing=8.5, Reading=7.0, Writing=7.0, Speaking=7.0)
    Apr 22, 2013 - Received positive Skills Assessment EA (Telecommunication Engineer)
    Apr 27, 2013 - Lodged EOI (Telecommunication Engineer) Ceiling Reached
    June 3, 2013 - Received Positive Assessment EA (Telecommunications Technical Officer/Technologist)
    June 4, 2013 - Lodged EOI (Telecommunications Technical Officer/Technologist)
    June 17, 2013 - Invited to apply Visa 189
    June 26, 2013 - Submitted Visa 189 Application
    Aug 10, 2013 - Form 80 uploaded
    Aug 13, 2013 - NBI and Pay slips uploaded
    Aug 16, 2013 - Medicals
    Aug 27, 2013 - Medicals uploaded by St. Lukes
    Sep 17, 2013 - Visa Grant! \m/
    IED: 25 July 2014
    Nov 23, 2013 - Flight to Melbourne

    Thank you God and thank you PinoyAu
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  • TasBurrfootTasBurrfoot OsakaTotal Reaction Points: 261Member, Moderator
    Posts: 4,297
    @TasBurrfoot - if nag exceed sa $30k and concessional contri, yung buong 30k b ang subject to marginal tax rate or yung excess lang?
    Excess lang naman chief... :)

    Don't worry, to exceed this kailangan around $300K sweldo mo...
    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!!
    tontoronsky
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  • tontoronskytontoronsky SydneyTotal Reaction Points: 13Member
    Posts: 185
    @TasBurrfoot - buti wala ako gnun walang problema.. pag may gnun ako hnd nko mg salary sacrifice, iuuwi ko n sa pinas yun.. hehe.. Thanks chief :D
    Dec 11, 2012 - Submitted Skills Assessment Engineers Australia (Telecommunications Engineer)
    Mar 23, 2013 - Took IELTS Exam (GT)
    Apr 2, 2013 - IELTS Result (Listeneing=8.5, Reading=7.0, Writing=7.0, Speaking=7.0)
    Apr 22, 2013 - Received positive Skills Assessment EA (Telecommunication Engineer)
    Apr 27, 2013 - Lodged EOI (Telecommunication Engineer) Ceiling Reached
    June 3, 2013 - Received Positive Assessment EA (Telecommunications Technical Officer/Technologist)
    June 4, 2013 - Lodged EOI (Telecommunications Technical Officer/Technologist)
    June 17, 2013 - Invited to apply Visa 189
    June 26, 2013 - Submitted Visa 189 Application
    Aug 10, 2013 - Form 80 uploaded
    Aug 13, 2013 - NBI and Pay slips uploaded
    Aug 16, 2013 - Medicals
    Aug 27, 2013 - Medicals uploaded by St. Lukes
    Sep 17, 2013 - Visa Grant! \m/
    IED: 25 July 2014
    Nov 23, 2013 - Flight to Melbourne

    Thank you God and thank you PinoyAu
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  • jkk32wjkk32w MelbourneTotal Reaction Points: 65Member
    Posts: 595
    @TasBurrfoot sir question :D

    if ung salary package na advertised doesnt say 'plus super'..do we assume na ung package amount includes super na? or is it usually d case na ung package mag a add pa ang employer ng super?

    also, if lets say for the sake of computation d package INCLUDES super na if its 70k ..ung net income mo will be 'around' --70k less 9.5% super ann less marginal tax (approx 30%)- so mga 60% ung net income mo of the 70k is around 42k approx ..

    thanks boss. just to shed some light please sa expectations of the intending migrants :D
    ANZSCO CODE: 233511 || Industrial Engineer
    02.28.2015 || IELTS Test-University of Wollongong
    03.15.2015 || IELTS Result -L8/R7.5/W7.5/S7.5
    10.04.2015 || Submitted CDR to EA via Fast Track
    10.19.2015 || EA Positive Assessment - Thank Heavens!
    10.19.2015 || Submitted EOI Visa 189 (60 pts)
    11.23.2015 || EOI Auto Updated to 65 pts (8yrs at work)
    11.23.2015 || Received ITA - All Glory to God!
    12.04.2015 || Medical Examination- Nationwide
    12.12.2015 || Lodged Visa 189 / Medical Results Completed
    12.15.2015 || Uploaded all Docs including Form 80s/CVs/PCCs
    01.13.2016 || Direct Grant - All Praises to Lord God.Viva Pit Senyor!
    03.01.2016 || Initial Entry (MEL) for me/baby & Hubby's Big Move
    03.23.2016 || Hubby's First Day of Work! Yipee! :D
    04.15.2016 || Second Visit to AU - MEL & SYD
    07.25.2016 || Third Visit to AU
    09.20.2016 || BIG MOVE!
    10.03.2016 || Employed-First Day High.Thank You Good Lord for Everything!

    “Dwell on the beauty of life. Watch the stars, and see yourself running with them.” ~Marcus Aurelius

    "Fate loves the fearless." ~James Russell Lowell
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