长登在即，还有问题要请教

evergreen66

费劲周折后，我们终于完成了短登的任务。衡量再三，我和先生还是决定一个留守，一个长登。虽然这个方案有很多不妥，目前也只能这样了。我有几个问题，烦请各位看看。我去澳洲后的最初两年，我只是享受看病不花钱的待遇，但如果在这两年中生孩子或住院，那么住院期间包括药费在内，都是免费的，对吗？为此，我想买madibank的保险，这个保险cover药费吗？我知道其中包含不同额度的看牙和眼镜的费用。另外，如果先生不长住的话，能够购买medibank吗？因为这样就不用购买那种短期的旅游险了。还有因为目前两边都有家，不可能把房子处理掉或把所有的钱带过去，那么如果将来团聚的时候把钱存进银行，怎样证明这些是原有的财产而不被计算为当年新的收入呢？先谢谢大家。

kobees

这样说的话,第一年过来岂不是不能带很多钱?这样交税都要上掉一大部分??这怎么合理?<br>
如果刚来要买房,又怎么带钱过来呢?<br>
谢谢

ritali

我倒是觉得不用带太多钱,在国内办张贷记卡,直接在澳洲刷,50天内选一个较低的点用人民币还款即可! 这样最简单! 我这样想对吗? 请大家讨论!<br>
THEWALL老兄,你说过从香港汇钱到澳洲,大约手续费是多少啊?

thewall

我去澳洲后的最初两年，我只是享受看病不花钱的待遇，<br>
<br>
... everybody has the same right to access Medicare, PR and citizen, same ...<br>
<br>
但如果在这两年中生孩子或住院，那么住院期间包括药费在内，都是免费的，对吗？<br>
<br>
... giving birth, everything is free, and also get 4000$ from the government ...<br>
<br>
... other hospitalized treatments, not sure, u probably only pay for medicine ...<br>
<br>
为此，我想买madibank的保险，这个保险cover药费吗？<br>
<br>
... this is private insurance, check medibank website for details ...<br>
<br>
另外，如果先生不长住的话，能够购买medibank吗？<br>
<br>
... why ...<br>
<br>
因为这样就不用购买那种短期的旅游险了。<br>
<br>
... short term cheaper ...<br>
<br>
还有因为目前两边都有家，不可能把房子处理掉或把所有的钱带过去，那么如果将来团聚的时候把钱存进银行，怎样证明这些是原有的财产而不被计算为当年新的收入呢？<br>
<br>
... doesn't matter when you put it in, it is counted according to each financial year ...

thewall

... for example ...<br>
<br>
1. u bring 10k and put it into your bank account in oz<br>
<br>
2. this 10k + interest is counted as your income in first financial year <br>
<br>
3. from second financial year, only interest is counted as income<br>
<br>

thewall

only first year

AlexZYO

I can't understand the last answer from thewall, do you mind give us some explantion for the "finnacial year"? When I put the money from China and deposit it in the bank, can they are counted in my income in this financial year?

thewall

1. you earn interest every financial year (doesn't matter when u put in)<br>
<br>
2. interest is part of ur income<br>
<br>
3. you pay tax on all incomes (almost)<br>
<br>
... 1 + 2 + 3 = ...

AlexZYO

I can't understand the last answer from thewall, do you mind give us some explantion for the "finnacial year"? When I put the money from China and deposit it in the bank, can they are counted in my income in this financial year?

evergreen66

那也就是说，我开户存的第一笔钱不会被认作是我的收入，其利息会被计为个人财政年内的收入，而之后存入的钱，虽然是我在国内原来的积蓄或是卖房子的钱，都会被计算在那个财政年的收入内。我的理解对吗？如果是这样，那我岂不是要第一次就把自己的钱都带过去吗？可是这边还有父母什么的，不可能都带过去呀？真是麻烦啊。大家有什么好办法吗？

mite

衡量再三，我和先生还是决定一个留守，一个长登。<br>
<br>
----》<br>
<br>
不容易啊。 感慨

thewall

... not a good choice ... but ...

autraveler

这下确实明白了,感觉这样也是合理的.多谢.<br>
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syh

谢谢帮主详尽回答。如果这样，那么我第一年少带点，以后再逐年把要用的钱带过来就可以了。极端地说，就是说带来的钱除了利息无论什么时候都不要上税，每年带的钱只要不要太多影响到补助就可以了，是吗？<br>

thewall

... yep ...