newjez

Since march. Not showing any signs of letting up. To be fair, it's been pretty pleasant up till now.

I did initially suggest six shares in three different industries, and that she should speak with a financial advisor. An advisor should be able to recommend an income product that diversifies as much risk away as possible.

It's 36 degrees in the UK today, and has been all week.

If you bought it on a credit card, wouldn't you just claim it back from the credit card company?

A million dollars isn't an unrealistic sum for someone who owned a house in the UK, or in sum areas of Australia nowadays.

Why does that make a difference?

Most big bank shares pay that even with the covid impact. https://www.google.com/url?sa=t&source=web&rct=j&url=https://www.fool.com.au/2020/07/30/here-are-the-dividends-this-broker-thinks-cba-and-the-big-four-will-pay-in-2020/amp/&ved=2ahUKEwiboKmviY_rAhVknVwKHSZ-AUcQFjAQegQIBBAL&usg=AOvVaw0C8f-peTP7r7LkQOxnbDkZ&ampcf=1&cshid=1597008872675 You don't put money in the bank. You buy the bank. Or a bit of it.

It is. If you needed a major operation then and there, you would get it. If you needed something that can wait, even if it is uncomfortable, then you would probably wait. But could you get private cover anyway?

Are you cashed up? If you are, (and I'm not qualified to give advice), I would look at buying shares in energy companies, oil and gas, possibly banks. They generally provide a decent dividend. They are generally fairly solid. They have all taken a big hit, so there could be upside as well. I wouldn't put all my money in one company, say pick 6 different companies in different sectors. Do some basic research on Google. You can always have a chat with a financial advisor.

The reciprocal agreement is really only intended for emergency care. If you had a long term condition, or a condition which wasn't urgent, I'm not sure you could rely on it. It may depend on your doctor. Saying that I do know someone who had extensive heart and cancer treatment on a bridging visa. Although that did seem to be a mistake on behalf of the hospital, as they did eventually stop treating her and she had to return to the UK.

Protein in your urine generally means you have a urinary tract infection. Or possibly a kidney infection if it hasn't been treated. You would have been feeling unwell, and it would sting when you urinated. It can heal by itself, but generally you take antibiotics. You probably didn't have sepsis, because you would have been very ill, and untreated you probably would have died. An infection is not the same as sepsis. You should be seeing your GP for these things. An immigration medical shouldn't be used for diagnosis purposes. If you are sick, see your doctor or A&E.

I still prefer Emirates, but Qatar are a close second.

The signature needs a witness. We used our chiropodist, which would have been ok for UK but not Australia. Fortunately we know a police man, so we got him the second time.

Make sure your witness is on the employer list. It's different from the UK one. Check it online. Anything wrong or they don't like, and it's another trip to London. They made me bring the kids in too.

Well at least UK house prices are going up, and the new stamp duty rules may help you.

You know with China recovering quickly from this, and Brexit looking like a basket case, this may not happen. I think the worst I've ever seen it is 1.60. But I guess its unlikely, but there is no reason why parity can't be achieved. And if the USD continues to fall, and with the UK china relationship not looking healthy, UK USA trade relationship looks difficult, so the bad exchange rate could continue for some time. Fortunately for me I won't need to make decisions for some years. But you will have some difficult decisions to make

I'm not sure of the exact rules, but the UK government did offer enhanced cover after a house sale. But if holding money in a bank for an extended period, then it is quite common to spread the money over several accounts to reduce the risk. Possibly it would be less risky to transfer in chunks equal to the government's guarantee. I'm just asking. I'm not the expert here. A bank going under probably seems an unrealistic prospect in Australia. It's not that unrealistic in the UK. You also need to ask whether a company holding 'your' money in a bank has the same protection as you storing your money in a bank. Companies don't have the same cover as individuals. There is a difference between unlikely and impossible. To be honest, I had expected a better response than 'she'll be right mate'

That's not really answering the question Alan. For instance, is it in people's interest in the current situation to break up large transfers to ensure they are within the bank government guarantee of both countries? Is there any insurance that can be obtained? These are extreme circumstances, and if people can mitigate any potential loss or possible delay, then it would be nice to know what actions they can take. At the moment, if I was about to send a large amount of money from one country to another, then I would want to know what the different options were so I could make up my own mind. Just saying it'll never happen doesn't really cut it in what are unprecedented times, when we are quite possibly about to see a lot of things happen that would never happen. https://www.google.com/url?sa=t&source=web&rct=j&url=https://amp.theguardian.com/money/2010/oct/09/foreign-exchange-money-safe&ved=2ahUKEwjR5aTwtefqAhWTs3EKHYJfACsQFjARegQIAhAB&usg=AOvVaw2RCxkNa1vCL1LBX5tj0FeZ&ampcf=1

My father has a Honda jazz which I borrowed when we were last in Perth. It was a nice car and I quite enjoyed driving it. Nothing special, but I could find nothing about it that I didn't like. And that's unusual for me. There's normally something about a car that bugs me.

Banks come with a government guarantee depending on the amount. I know the risk is probably low, but these are unprecedented times we are talking about. If there was any risk that I could lose my life savings, I would like to know about it, and if there was a way to reduce that risk to zero I would like to know about it.

I asked if there was any risk, and the question wasn't published. It wasn't a difficult question, and quite important in the current situation.

Are you saying there is no risk then?

I was surprised when AIG faced bankruptcy during the GFC. But I'm not saying that any company is facing bankruptcy. But if you can transfer money at no risk, why take any risk, if there is a negligible difference in cost?

That's a good question in the unpredictable current climate. Banks have government guarantees for certain amounts, and special provisions for house sales. It would be good to know what these are, as it could determine how you transfer money. Not saying any particular company will go bust, but obviously we are in a time of financial stress, and if you can reduce risk of transfer to zero that may be worth it.

The government are trying to support the building industry, hence better deal on new builds. But I did think you didn't need to build it yourself, you could buy it from a builder. Not that common in Perth, but does happen. Long time since I've lived in Perth, so I could be way out of date. But normally an offer is binding, but you can add conditions to the offer. Eg subject to termite check, survey, (horror story of subsidence in the northern suburbs, but rare), subject to mortgage, but I would specify from what bank, subject to sale etc. Penalties for pulling out can be severe. So don't offer until you are sure. Often people put a range of prices. The lower being cash sale, the higher being subject to sale. If you are a cash buyer, go in low. Perth real estate has been in the doldrums for a while. Prices haven't risen in ten years. Other states not so much. There are websites where you can check out previous sales, and property performance. Reiwa. Every state has one. Home opens are common, where you view many properties on a weekend. Some Perth people seem to decorate their homes in a way that is deliberately unattractive to UK people. Try and see past it. Some things are easy to change, some aren't. Have fun.