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National Insurance contributions after Migration to Australia

Many people who migrate away from the UK, wonder about keeping up their National Insurance payments towards a future UK State Pension. Gaps in your National Insurance contributions record can reduce the basic state pension you receive when you retire,… Read the rest

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Record Fall in ATM use

The use of ATM machines in Australia has seen a record fall, but at the same time the use of the “cashback” option at the shops has also seen a record rise. Some useful tips are at: http://www.bankers.asn.au/default.aspx?ArticleID=1446 example: Tips… Read the rest

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Average Mortgages in Australia

Average Existing Mortgages in Australia

The following figures show the average existing Australian Home Mortgage in April 2009, against the average Male Full time wage for each State. NT $275,700 equal to 4.12 times Male income of $66,877 NSW $283,300… Read the rest

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Home Repossessions

Following the Global Financial Crisis the numbers of home repossessions in each country has been rising. To try to compare the actual numbers, I have located some newspaper reports as follows: United Kingdom – about 787 home repossessions in the… Read the rest

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Credit Card Debt

Credit Card Debt per head of Population UK Credit card debt per head of population 1994 Total of: £9,453,209,396  = £163.38 per person 2004 Total of: £60,951,509,687 = £1,018.66 per person 2008 Total of: £65,580,040,237  = £1,068.37 per person. (3.94%… Read the rest

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Cost of Living Increases in Australia

Cost of Living Increases in Australia Between 2000 and 2009 the average full time NET wage income increased by 5.66% every year. During the same period, (June 2000 to June 2009), the following sample of average annual cost increases were… Read the rest

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Education Tax Refund 2008

Education Tax Refund Education Tax Refund 2008/09 (ETR) The Education Tax Refund (ETR) has now been passed by the Australian Parliament (November 27, 2008) Under this new ETR, families who are able to claim Family Tax benefit part A, will… Read the rest

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