Things to do first "After" arriving in Australia

k_mavs

Foe me dalawang sim din gamit ko dito. Ung isa ung OFW sim ng globe (kahit di mo loadan ok lng basta ung simcard na pair nya sa pinas e magloload at least once a month) saka ung Optus sim ko dito sa Au.
Tama si sir @aldousnow na mas maganda magtxt sa pinas via sa data ng plan ng phone nyo. Ung sakin naman nag install lng ako ng chikka App sa phone ko kaya un ang gamit ko pang txt sa pinas.mas mura at kahit anung mobile number pa sa pinas pwede mo itxt ng libre.tapos dun sila magrereply sa globe roaming ko kaya mura lng din ung txt nila.
Ok dito kung gusto mo iretain ung current number mo pwede sa kanila.kasi sayo na kasi nakapangalan ung number na yon dahil kukunin nilaung mga details mo when you activate the simcard.

junix

guys, just a question... yong mga electronics ba mas cheaper jan? im planning to buy a laptop since bumigay na yong luma ko but still thinking to hold it if its cheaper there... see you mga kabayan in Mandurah, spcial mention to @k_mavs ...hehehe

LokiJr

@JClem so yung mga local bank cards mo (i.e. BPI, BDO) pinaputol mo na?

Dun sa post paid plans dito sa Pinas, kung magmmigrate na sa Australia, sulit bang imaintain yung plan? Hindi ba magastos yung roaming to the point na mas matipid mag plan sa Australia na lang?

JClem

@LokiJr ang mamaintain ko is isang Citibank credit card and isang BPI bank account. The rest po papadeactivate ko na.

Kahit di na plan, prepaid lang ok na. Sabi nga ni @aldousnow yung 100 pesos per month minsan sobra pa kaya pinapantawag nya na bago mag-expire.

LokiJr

Hehe puwede na pala kahit ganun lang kaliit yung load...Kung sabagay may skype etc naman kaya di na kailangan gumastos masyado hehe.

Yung mga credit cards ko kasi walang annual fees kaya nanghihinayang naman ako ipadeactivate yun kung lilipad na ako hehe

JClem

Uy anong credit card yung walang annual fee? Siguro ikaw yung nasa 100K every month ang bill tas nakakabayad on time kaya parati waive ang annual fee. Hehe! If wala naman pala annual fee, wag mo na pa-deactivate.

tita_vech

For those planning to get CC sa Oz, you might also be interested in joining Qantas Frequent Flyer program. Halos lahat nang banks may cc na pwede i-link sa Qantas.

Apply din kayo sa Woolworth's Everyday Rewards and if Optus client kayo madaling mag earn nang points. Dami pang ibang partners, check nyo nalang sa site.

For those new in Oz lalo na kung may family, you can easily earn the 60K points required for return trip to Manila - promise!

There's no annual fee for FF, but not sure if membership is free at the moment.

Velocity program ng Virgin free membership so join na rin. Walang flights to Manila pero ok pa rin.

I'm not connected with these airlines. Gusto ko lang i-share kasi over the years naka more than 10 free round-trip tickets na kami to Manila.

hotshot

@tita_vech : kahit normal credit card use lang (groceries, gas, shopping), mabilis pa din po ba makaipon ng miles enough for a round trip ticket to manila?

TasBurrfoot

Speaking of credit cards, ako I am an advocate of charge everything as much as possible to your plastic. As long as you pay on time and you don't overspend, then you are fine.

I maintain just 1 credit card during my whole 4 years stay here in Singapore. It is a Citibank Premier Miles Visa that allows me to accrue points which will eventually be converted into air miles. So far so good, naka vacation for 2 na ako sa HK as well as 4 RT ticket from Singapore to Manila...

tita_vech

@hotshot - yes madali makaipon. Basta lahat nang pwedeng i-charge bayaran mo via cc. Make sure get ka rin nang Everyday Rewards kasi generous sila sa bonus points and may option for petrol discount sa Caltex. Meron na din palang rent na pwedeng via cc, check mo Qantas site for details.

For those going on business trips or training, kahit bayad nang company yung flights and hotel you can still earn points basta quote your FF number when booking or during check-in sa partner hotels.

Stick ka sa advise ni @psychoboy, charge whatever you can and pay-off the balance by due date. Parang mortal sin din sa akin magbayad nang interest sa cc, we should really live within our means

PogingNoypi

Guys,
Bukod sa pamamasyal po. Ano po kaya amg pwede ko gawin sa isang araw na importante? Bale 3 days po kami doon yung first day and third day po un yung byahe po namin.

Alexcons

Mga magkano kaya yung house rental (2 bedroom) sa perth or even about 30 mins to CBD? Kung bibili ng house, how much ang average price and what the maximum period it can be paid?

tnx po.

tita_vech

@Alexcons - rent or buy nang property check mo sa domain.com,au or realestate.com.au. Ok din mag google sa kung may private sale, bihira yon but you can save a lot on agent's fee kung sakali.

Max period to pay-off 25 or meron din yatang up to 30 years. Check mo sites nang banks, meron silang calculators so alam mo rin how much you can borrow.

Daming things to consider when buying, eto konting pointers:

- almost always may tawad, lalo na ngayon buyer's market. Pag desperado seller makakatawad ka at least 5%, so babaan ang unang tawad.

- if you're set to buy the property, make sure "subject to satisfactory building & pest inspection" para di ka mapasubo kung may anay, or lumulubog ang area, or may mga extensions/renovations na illegal or doesn't meet the standards.

- pay-off your mortgage early. Hindi yan impossible lalo na ngayon mababa interest rates. Surpisingly may mga taong retired na pero malaki pa ang mortgage.

- big help if your bank offers 100% offset facility.

icebreaker1928

@Alexcons wow!!! yaman nyo naman sir... unang dating nyo pa lang bili na kayo ng house?
siguro kayo yung isa sa nanalo ng 300M nung last draw ng 6/55... balato sir

Alexcons

@tita_vech thanks for the information.

@icebreaker, kung nanalo me sa lotto ng ganon, then hindi na sana me magplanned to migrate sa ausie. It just happened na we owned a condo here in singapore and in the event na matuloy na kami sa ausie, then yung matitira sa napagbentahan non will be used as downpayment atleast sa house.

hotshot

@Alexcons : wow! may condo na pala kayo dito sa SG.

Alexcons

@hotshot, at taga SG ka rin pala eh.

icebreaker1928

@Alexcons wow!!! may condo sa SG, rich nga kayo sir

hotshot

@hotshot, at taga SG ka rin pala eh.

yup, madami pong taga-SG sa forum na to. meron din thread for the SG peeps pero wala na yata nagpopost. hehe

Alexcons

@ice breaker, its not a luxury but a necessity. mahal ng renta here di ba. hindi pa amin yun, 25% palang ang bayad he he he. under mortgage ofcourse. Kaya nga nagmamadali na sa plan sa ausie para maibenta na considering na mataas ang bentahan now.

TasBurrfoot

@ice breaker, its not a luxury but a necessity. mahal ng renta here di ba. hindi pa amin yun, 25% palang ang bayad he he he. under mortgage ofcourse. Kaya nga nagmamadali na sa plan sa ausie para maibenta na considering na mataas ang bentahan now.

Ayus yan @Alexcons - if sure ka na talaga sa Australia then why not buy a property if you can afford diba? Instead of paying out a straight expense every month (by rental), at least you are slowly building your equity sa bahay mo sa Oz...

All the best to you, may post for SG forumers - kita kits there!

atchino

@macaraeg_mj

Pwede pagbalik mo na lang.

icebreaker1928

@Alexcons sir, kung sa NSW ka... kuha ka na ng bahay tapos parentahan nyo yung isang room... ako magrent

LokiJr

@JClem, 100k? bigtime yun hehe..hindi ko kaya yun hehe
Metrobank may card sila na walang annual...yung BPI ko binabantaan ko lang kumakagat naman hehe

Sa mga may Australian CC, may cash advance feature rin ba ang mga Australian CC's? If so, nasa magkano ang interest rate?

JClem

@TinaR, Skype is another option to communicate to our family in the Philippines but it requires you to be connected to the internet at all times. I'm still considering SMS especially for my mom.

LokiJr

Checked the bank rates for cash advance, mas mababa pa pala sa Australia kesa sa Pinas tsk tsk

Dun sa skype naman, di ganun ka reliable kasi ang internet connection sa Manila lalo na sa may banda amin...saka yung magulang ko hirap gumamit ng computer kaya praktikal man ang skype kelangan pa rin maghanap ng ibang paraan hehe

icebreaker1928

@TinaR usong uso po ang skype sa Pinas... pero nde ka naman pede magtxt at itxt dun lol...

Bryann

@TinaR
Nice answers. I'm sure others members appreciates them. People come here to meet new friends and seek advice, not to read sarcastic and annoying comments like yours.

TasBurrfoot

Nice answers. I'm sure others members appreciates them. People come here to meet new friends and seek advice, not to read sarcastic and annoying comments like yours.

) ) )

Great observations!!

tita_vech

@Bryann, @psychoboy - very well said, thumbs-up to you guys.