KhunHeineken
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Australian Aged Pension
KhunHeineken replied to VOICEOVER's topic in Australia & Oceania Topics and Events
It can't effect money transfers, but Centrelink will know you are overseas, so there maybe less money (non resident taxed pension) deposited into your Australian bank account for you to then transfer to Thailand. Let's hope pensions are exempt, but it seems they are deemed as "income" at law. -
Australian Aged Pension
KhunHeineken replied to VOICEOVER's topic in Australia & Oceania Topics and Events
So therefore it's "income" and at risk of being taxed at non resident rates under the proposed changes. Do you agree or disagree with this? Not non resident tax though, right? The whole game changes when outside of Australia for 183 day, if these changes come in. Isn't that what we are all doing on this forum, discussing the proposed changes, and how they MAY or MAY NOT be implemented, and how they MAY or MAY NOT effect individuals? Of course I am presenting my thoughts and opinions on the matter, aren't you? One thing that is not an opinion are the proposed changes. They are fact. If / when they come in, we will see how they will be implemented, but the "183 day bright line test" is of some concern for me, and no doubt some others, and possibly pensioners as well. Perhaps Centrelink pensions will be exempt, but superannuation payment will not be exempt. Or, there will be no exemptions for anyone. Who knows? Nothing wrong with discussing the proposed changes and their possible effects on expats. -
Australian Aged Pension
KhunHeineken replied to VOICEOVER's topic in Australia & Oceania Topics and Events
Ok. Any advice for the expats coming through? -
Australian Aged Pension
KhunHeineken replied to VOICEOVER's topic in Australia & Oceania Topics and Events
What do you think would happen if / when Centrelink discover you have assets / income in Thailand? You do know Australia has a tax treaty with Thailand. -
Australian Aged Pension
KhunHeineken replied to VOICEOVER's topic in Australia & Oceania Topics and Events
I've never filled the form out, but surely it asks what you own. Eg. house, Ferrari, diamonds, shares, CASH etc. -
Is there anything like a Beelink with a remote?
KhunHeineken replied to giddyup's topic in Audio Visual AV
I own several android boxes. The OP wanted to control a media player with a remote control. For me, there's little different between a remote control and a mini keyboard / mouse combo. -
Australian Aged Pension
KhunHeineken replied to VOICEOVER's topic in Australia & Oceania Topics and Events
That's one option, but doesn't a pension application take into account overseas assets and income? Did you make a false declaration? -
Australian Aged Pension
KhunHeineken replied to VOICEOVER's topic in Australia & Oceania Topics and Events
So it appears this may have changed. One must present themselves at an office, instead of documents (cards) automatically being sent out. -
Australian Aged Pension
KhunHeineken replied to VOICEOVER's topic in Australia & Oceania Topics and Events
I, and a few other members, posted links to the proposed changes on how the government may be deeming who is a resident, and who is a non resident for taxation purposes in the future. The main part of the proposed changes was being inside, or outside of Australia for 183 days a year. Indeed, they called this the "bright line test" meaning to me it will hold significant weight upon how an individual will be classified. The effect of these changes, if they come in, will not differentiate between a billionaire, millionaire, and a pensioner. All three have a name, date of birth, and a passport number, and have been outside of Australia for more than 183 days, as shown in immigration records. Everything will be handled by a computer data base. Will they make an exemption for pensioners, maybe, maybe not? Let's hope they do. The proposed changes were put forward by the Liberals, does it really matter if the changes come in when they are next in power? Relying on Labor for the next few years is only a buying some time to come up with a plan. As I have said in previous posts, don't expect pensioners back in Australia to care, because it doesn't effect them one bit, and don't expect the government to be worried about losing votes, because how many expats make their way to an Australian Embassy at election time, so no votes lost on this policy. Non resident taxation, and their high rates, have been around for years. Nothing new about this taxation policy. What is new, if these changes come in, is the grey area that many, including myself, have been able to skirt around and still claim to be a resident for taxation purposes will be replaced by the 183 day law, and there's no getting around that, because you are either in, or out of the country for 183 day, and this is recorded by immigration. Once again, these proposed changes do not target pensioners, they are clearly designed to scoop up everyone. Expat pensioners may just be collateral damage. Yes, but as I said in another post, who really cares whether the government administers the new changes, or a private company. If it becomes law, there will be no difference between the two. It's not like the government will show any mercy. The law is the law. This goes to the heart of the matter. Say you retire and take your super as a monthly payment. You leave Australia and live in Thailand. Is that monthly payment an "income" under the law? If so, and you are outside of Australia for 183 days, how to you propose to argue that your monthly payment should not be taxed at non resident rates? It's money "earned" in Australia, and you live overseas. -
Is there anything like a Beelink with a remote?
KhunHeineken replied to giddyup's topic in Audio Visual AV
What about a SSD? They don't use much power. -
Australian Aged Pension
KhunHeineken replied to VOICEOVER's topic in Australia & Oceania Topics and Events
What has Centerlink being privatized or not have to do with this issue? The government doesn't care, nor does a big company. The government was the one that gave us Robodebt. -
Australian Aged Pension
KhunHeineken replied to VOICEOVER's topic in Australia & Oceania Topics and Events
Why do you say that? Do you have a link to any legal precedent, or test case? You may wish to read these links. Just two of many articles about it. https://www.thesenior.com.au/story/5573886/centrelink-privatisation-warning-as-private-firms-win-more-call-centre-jobs/ https://thesocialist.org.au/centrelink-being-privatised-by-stealth/ Everything has gone up by a considerable percentage, but wages and pensions etc have not gone up by the same percentage, thus, people are falling behind. In order to survive, people take a cut in their lifestyle. -
Australian Aged Pension
KhunHeineken replied to VOICEOVER's topic in Australia & Oceania Topics and Events
Why do you say Services Australia / Centerlink were not aware of your arrival back in Australia? Did you ask a staff member? Were you expecting them to post you a new concession card the day you landed? Where would they post it to? I think it's more a case of letting new arrives comes to us, rather than chasing them. -
Australian Aged Pension
KhunHeineken replied to VOICEOVER's topic in Australia & Oceania Topics and Events
That's a question for Lacessit, because he's the one who posted it, but here's the website. https://www.servicesaustralia.gov.au/about-us?context=1 This would be correct. I am not on an OAP, but a friend is. He called them one day and did not mention his location. As soon as they verified his ID, the staff member told him he was overseas. They knew within seconds of the phone conversation start he was not in Australia. Couple that with the 183 day law, if it comes in, and it's looking like a good pay day for the government. The sub issue being discussed in not about portability. No one is saying "if you leave Australia you will not get your pension." The issue is the proposed changes to non resident taxation. The government is making it very easy for them to tax people as non residents. Inside Australia for more than 183 days, resident. Outside of Australia for more than 183 days, non resident for taxation purposes. Inside Australia, traditionally, pensions have not been viewed as an income, but have been viewed as a benefit. If they view a pension as an income if you are outside of Australia, then you can expect non resident tax rates to be withheld every fortnight you are outside of Australia over 183 day. No one is saying the pension will be cut off at 183 days. It may be reduced by the non resident tax rate, because, after 183 days, you become a non resident. I Googled is a pension and income in Australia and this came up. Your income includes money from: employment pensions annuities investments earnings outside Australia salary packaging https://moneysmart.gov.au/retirement-income/age-pension-and-government-benefits#:~:text=Income and assets tests&text=Your income includes money from,annuities -
Australian Aged Pension
KhunHeineken replied to VOICEOVER's topic in Australia & Oceania Topics and Events
If the proposed changes come in, and they deem pensions, that's all pensions, to be "income" just like any other income, immigration will notify the Australia Tax Office and Centerlink that you have been out of the country for 183 days, so next fortnight's pension will be less 30%, or possibly even 48%. It will be "taxed" at the non resident for taxation purposes rate, which is very high, and has no tax free threshold. I can't seem them giving people living overseas the full pension every fortnight, just to send them a bill for 30% or 48% at the end of the financial year, because how are they going to enforce collection when the debtor doesn't reside within Australia? If you are working online remotely, or work for 5 months of the year in Australia and spend the other 7 months overseas, or have a passive income generated in Australia, such as renting out a property, interest, or dividends, but you are living in Thailand, for example, you can expect a letter from the ATO, after you submit your tax return, informing you that as you were outside of Australia for more than 183 days you have been deemed a non resident for taxation purposes, and as your tax return showed an income of X amount of dollars, you now have a tax liability of 30% or 48% of your X amount of dollars and here's your bill? Please pay within 28 days. For pensioners, the issue will be if they deem the pension to be an "income" just like any other income. Hopefully, pensions will be exempt, but who knows. For the others who work remotely, or actually work in Australian for less than 6 months, or for those who receive a passive income, such as rent, dividends, interest etc, as the other member said, you are screwed. You will be paying non resident tax rates. -
Australian Aged Pension
KhunHeineken replied to VOICEOVER's topic in Australia & Oceania Topics and Events
You, and many others. The days of having a decent lifestyle in your retirement years in Australia are coming to an end, unless you are quite wealthy. As I alluded to in another thread, it's possible, in the future, retirees will be leaving Australian shores in big numbers. That's a lot of Aussie dollars leaving the Aussie economy, benefiting a foreign country, whether it be superannuation, savings, rent, dividends, pensions, or a combination of these. I can't see the Australian government sitting back doing nothing as billions of dollars flow out of the Australian economy to places like Thailand, Bali, Vietnam, Philippines etc. With the direction Australia is heading in, people will not be able to retire until in their 70's, which means they will basically die working. Many may just decide to cash in, and check out of Australia, and enjoy their twilight years abroad, and who can blame them? It will be interesting to see what moves the Australian government do to stem the exodus of people and their money. -
Australian Aged Pension
KhunHeineken replied to VOICEOVER's topic in Australia & Oceania Topics and Events
Are you on a Vet's pension or the OAP? There's a big difference between the two. -
VPN vs Cloud Computers for connecting to home from Thailand
KhunHeineken replied to WaveHunter's topic in IT and Computers
I am not getting bent out of shape. You have been informed of many solutions. You just need to make a start chose one. It's been over 2 months now. As I said, what works today, may not work next week. You are trying to circumvent their security. Whatever method/s you tried, you will still be in Thailand. These companies have some smart guys working on trying to lock out people, such as yourself, who are accessing these platforms from abroad. Why do they care where you sign in from? If it's not a breach of their T & C's, is it a taxation issue? The dongles work for me, for all the sites that geo block me, and speeds are good. As you are, I also did my research before buying them. There was a risk I bought them and Foxtel still had a way of detecting I was outside my home country, but after trying many things, I gave it a go, and they worked for me. I know you don't want to waste money on a solution that does not work, but the dongles are your cheapest solution to start with. I think the dongles will work, without VmWare, but it's the ID verification that is interesting. If you are using Google Authenticator, in an android phone, with a Thai sim card, on a Thai ISP for internet, with location services turned on, maybe that's your issue, not the VPN and the IP Addresses you are using. Let us know what method you decide to start with, and the outcome, but possibly try a different method of authentication first. I mean, to my knowledge, a US telco doesn't tell Ebay, Instagram and Amazon where their text message was received. -
VPN vs Cloud Computers for connecting to home from Thailand
KhunHeineken replied to WaveHunter's topic in IT and Computers
What authentication app are you using? Is it Google Authenticator? Perhaps that app is linked to Google Location Services and / or IP Address. Have you tried 2 Step Authentication with a US sim card phone number? So you might have to be prepared to put up with a bit of "nonsense" verifying yourself, after all, you are trying to circumvent their security measures. Have you tried a different method of ID verification? What are others that are doing similar business to you doing to get around this ID verification? As I said, what's wrong with a US sim card and receiving a code by text message every time you want to sign in? -
VPN vs Cloud Computers for connecting to home from Thailand
KhunHeineken replied to WaveHunter's topic in IT and Computers
Ok, so how are they verifying your identity? -
Is there anything like a Beelink with a remote?
KhunHeineken replied to giddyup's topic in Audio Visual AV
USB stick, or HDMI stick? I'll ask again, why does it have to be a remote control, rather than a wireless keyboard / mouse, which could also be a mini? -
Australian Aged Pension
KhunHeineken replied to VOICEOVER's topic in Australia & Oceania Topics and Events
Surely Services Australia are informed about outbound travel. -
Maybe it's a site blocked in Thailand. Eg. porn. Maybe it's a site with IP addresses outside of the host country turned off for access. Difficult to troubleshoot without know what the site is.
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That's a problem with Thai Post, not the Bangkok Post.
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See what its like to use Bing's new AI search feature !
KhunHeineken replied to Social Media's topic in IT and Computers
Don't you mean, "See what it's like to have Bing's new AI search feature use you?"