May, Issue # 78
Welcome to the May 2018 Pomsinoz Newsletter
A warm welcome to
everyone who's registered on the forum since our last
If you've only recently joined
www.pominoz.com and haven't made
a post yet, then why not stop by and say hello.
This month, we've got a bumper issue, with lots of visa news
All the Best,
Assurance of Support Bombshell
Parent Visa Applicants Collateral Damage in Immigration
As many will know, an Assurance of Support (“AoS”) is a
requirement of all permanent parent visas:
An income test has to be satisfied by the person acting
as Assurer – or persons, as up to 3 people can combine
their income to provide a joint and several Assurance of
- Subclass 143, Contributory Parent
- Subclass 864, Contributory Aged Parent
- Subclass 103, Parent
- Subclass 804, Aged Parent
In a surprising – and quite probably ill thought through
– development the Federal Government published a
Legislative Instrument immediately after Easter that has
significantly increases the income to be verified by the
Assurer, with immediate and retrospective effect.
The increase in the income requirements affects all who
have not lodged the application for the AoS with
Centrelink before the 1st of April, 2018.
Furthermore, the person who gives the AoS is now
required to demonstrate a minimum income for the current
financial year and (now) the two previous financial
These changes will therefore affect many applicants for
parent visas where the AoS is required at the final
stages of the application process.
For subclass 143 Contributory Parent visa applicants the
AoS process takes place typically some 3+ years after
the visa application was lodged with the Department of
Home Affairs (formerly the Department of Immigration).
For Aged Parent (subclass 804) and Parent (subclass 103)
visa applicants the AoS is now being requested for
applications that were lodged some 9 years ago.
There is therefore a very real prospect that parents who
have been living in Australia for close to a decade are
now looking at having to depart Australia.
Clearly some of these parents will now be of very senior
We very much hope that common sense will prevail, and
that the Federal Parliament will take steps to disallow
the Instrument: procedures allow for a Disallowance
Motion to be introduced in the House of Representatives
or the Senate.
The Senate sits again on the 8th of May, 2018: many
families are keeping an anxious watch on proceedings,
and are lobbying local MPs and Senators in an effort to
have the Instrument disallowed.
Registered Migration Agent Number 0102534
Fellow of the Institute of Chartered Accountants in
England and Wales
Member of the Institute of Chartered Accountants in
Managing Director - Go Matilda (Australia) Pty Limited
Level 27, Rialto South Tower, 525 Collins Street,
Melbourne, VIC 3000, Australia - T +61 (0)3 9935 2929
Postal address: PO Box 467, Belmont, VIC 3216, Australia
Also in the UK, at Suite 2, LG Floor, Latimer House, 5-7
Cumberland Place, Southampton, SO15 2BH
T +44 (0)23 81
66 11 55
Discuss parent visas on the forum
The Down Under Centre
The Down Under Centre (also fondly known as ‘The DUC’) has
achieved a great deal in its relatively short history.
Established in 2013, it has consistently received 5*
feedback from hundreds of families and individuals who have
trusted the DUC to assist them throughout their migration
journey to Australia and New Zealand.
The DUC is a unique concept, a walk-in centre, located in
London, that assists clients with all their migration needs.
A dynamic and supportive community is growing, through the
DUC Club and regular webinars, seminars and social events.
The clients of the DUC enjoy the opportunity to interact
with fellow migrants and their families. An opportunity to
share concerns and experiences, to advise and support one
another …many times these connections are the start of
Zandt is DUC’s Founder. With over 15 years’ experience in
the trade/migration industry, Wes is regarded in the UK as a
very reliable source of information on Skills Assessments
and the various migration pathways available. Based on his
own experiences, he understands the issues individuals face
and has earned a reputation as the ‘go-to guy’ to get
honest, straightforward advice and support throughout the
Skills Assessment process.
From initial enquiry to settlement into their new life, the
Down Under Centre team engage with their clients to give
valuable support every step of the way. The team are experts
in what they do, and will do their best to make every client
feel at ease through their migration process.
Completion of a Skills Assessment for the purpose of
migration (where migrant skills and UK qualifications are
assessed against an Australian/NZ equivalent), forms a
fundamental early stage in the migration process.
The DUC assist clients with the Skills Assessment process
across many trades and professions. They can also can guide
clients through the Electrical GAP Training, which can be
started before your arrival in Australia!
Clients can choose to ‘go it alone’ or opt for the support
of the Down Under Centre’s Skills Assessments’ Agency
Service that helps clients navigate their way through the
There is a significant amount of documentary evidence that
needs to be gathered and, where qualifications are lacking,
evidence and ‘recognition of prior learning’ needs to be
comprehensive and compliant. Much of the evidence that is
gathered and required by the DUC can also be relevant to the
subsequent visa application therefore this saves the
clients’ time and money avoiding unnecessary duplication. It
can be a little daunting but once started, with discipline,
tenacity and support from the DUC Skills Team, the goal is
to make the clients’ process as simple and relaxed as
The DUC work directly with Trades Recognition Australia (TRA)
approved Registered Training Organisations (RTO’s)
If you require a Skills Assessment or if you want more
information on what documents are required, the practical
assessment and technical interview, the Down Under Centre is
the best option for you!
The Down Under Centre, with offices in London and Sydney,
work directly with employers to attract job opportunities
for the clients. As a DUC client, discounts are offered by a
range of allied service partners.
Contact the Down Under Centre today!
UK office: email@example.com | 0203 376 1555
Australian office: firstname.lastname@example.org | 02 8294 8468
best performing states and territories
Thinking of emigrating to Australia and not sure which state
to head to? We bring you details of the latest 'state of the
states' report at
https://aumigforu.ms/2w3Cxai Details of which states are
booming and which are doing it tough.'
SkillSelect 189 Invitations published for 21st March 2018
300 invitations were issued this round.
To be invited 189 visa applicants from MOST OCCUPATIONS (all
eligible occupations not listed in the ProRata table below)
required at least 70 points. (SC489 Independent required at
least 80 points).
Discuss visas and migration on the forum
Infrastructure not keeping pace with international student
Housing investments, not flashy infrastructure
projects, are needed if Australia is to successfully manage
a migration program supercharged by international students,
according to experts.
The call follows news last week that Australia has taken in
525,000 international students this year, a 12%
increase compared to last year, itself a record.
Glen Searle, honorary associate professor in planning at
Sydney University, said the Federal Government's response to
immigration so far has been "totally inadequate" and it now
has a "moral responsibility" to deliver investment required
by Australia's immigration program.
In the case of international students, he argues that means
more affordable housing.
"There's been quite a build-up of student accommodation, but
it's nowhere near enough," he said.
"Universities, perhaps with some Federal Government funding,
should be directing some of their fees into providing their
Australian Bureau of Statistics (ABS) data released this
week revealed how the highest concentrations of Australia's
newest migrants can be found around university campuses and
the inner suburbs in Melbourne and Sydney.
Mayor of Monash Council, Paul Klisaris, said he didn't want
international students to be made "scapegoats" for
Australians' frustrations with congestion and the cost of
But he said there had been major impacts for his council
area "as a result of this mass movement".
International students driving migration
Prime Minister Malcolm Turnbull said the rise in foreign
students has been the biggest driving factor of immigration
"There are around 200,000 more foreign students in Australia
today than there were a few years ago," he said earlier this
"That is the single biggest driving factor (of immigration
What's HOT on the forum right now?
The current hot 5 topics on the forum are:
Click on the links above to participate and have your say
SkillSelect ENS 186 Timeline
Should we or shouldn't we ..move to Australia
Timeline (309-Spouse visa) applied in May
187 Visa Processing Time
Insurance – what does it all mean?
Personal insurance cover is designed to make
sure that you and your family are able to
maintain a reasonable standard of living in
the event that you are unable to work due to
illness or injury, or in the event of your
death. While insurance plans will vary,
typically they will include any or a
combination of death benefits, cover for
total and permanent disability, plus options
for income protection, salary continuance,
and in some cases trauma or critical
illness. Whether you have personal insurance
cover in place or you are considering your
options, always ensure that you understand
the terms and conditions of your policy.
There are many options available and
inclusions can vary from policy to policy,
this is why advice is vitally important.
Also being aware of these common terms may
Life Insurance/Death Benefit Cover
This refers to the amount of money
payable to the policy holder in the event of
the death of the insured person.
Total and Permanent Disability Insurance
Often called TPD cover,
Total and Permanent Disability insurance
refers to a lump sum payment that is
provided where a person becomes totally and
permanently disabled. Some policies provide
a payment if you can’t work in any
occupation and others provide a payment if
you can’t work in your usual occupation due
to the disability. TPD insurance is intended
to help meet the costs of medical treatment,
rehabilitation, debt repayments and the
future cost of living incurred. Note that
the definitions of TPD vary between
insurance providers and policy types.
Income Protection/ Salary Continuance
These are forms of insurance that
provide financial support where you cannot
work due to illness or injury, generally via
an income stream paid to you over a defined
period of time. There is normally a waiting
period and a benefit payment period.
Trauma/Critical Illness Insurance
Trauma and critical illness insurance
provide a lump sum payment if a person is
diagnosed with a condition or is required to
undergo a medical procedure that is listed
on the policy. This provides a safety net to
cover medical expenses, rehabilitation and
debts while you recover. This might include
specific cancers, a heart attack or stroke.
The premium is the cost of insurance
cover. This may be paid as a lump sum or by
Indexation provides an automatic
increase in your level of cover each year to
keep up with inflation.
Stepped versus Level
You can have the choice of
stepped versus level premiums. If they
are stepped premiums, you will find your
premiums will increase over time.
Loadings and Exclusions
In some cases an insurer will apply
loadings or exclusions to a policy. A
loading is an increase in the premium due to
a pre-existing condition like a medical
condition, or where there is a higher
probability of a claim, for example, if you
are a smoker. An exclusion is something that
is excluded from cover under a policy, often
due to its hazardous nature for example, a
dangerous job or an extreme sport. You would
not be able to make a claim for illness,
injury or death resulting from an excluded
This refers to the number of days that
need to pass before the insurer will
commence payment under an
income protection claim. The waiting
period may vary from one policy to the next
and in some cases you can nominate for a
longer waiting period in exchange for lower
premiums on your policy.
The process of underwriting enables the
insurer to assess the risk of a client and
to determine the level and terms of any
cover provided to them. Underwriting
generally involves completing a detailed
questionnaire, providing medical evidence
and in some cases a medical examination. It
is important to provide all of the relevant
information. If you withhold information,
this may have a negative outcome should you
wish to eventually claim on your policy.
This is a document issued by an insurer
when you purchase an insurance policy. It is
used to verify its existence and for your
record-keeping. The certificate includes the
policy identification details, effective
dates for the policy, type of insurance
cover, and the amount of cover.
Our circumstances are constantly changing.
If you would like to know more then, you can
either, read our insurance module, watch
some of the videos below or contact us.
Insurance in Superannuation
Vista Financial Services -
Government pilots scheme to attract high-tech skills and
The Australian government will create a new visa to compete
with other countries for “high-tech skills and talent”, with
companies allowed to sponsor migrants for jobs paid more
There will also be a new visa for start-up companies seeking
talent in STEM fields like biomedicine and agricultural
Both visas will require the migrant to have three years of
relevant experience, while the sponsor companies will need
to demonstrate they tried to hire Australians first.
“The Government recognises there is fierce competition
globally for high-tech skills and talent, and that
attracting these people helps to transfer skills to
Australian workers and grow Australian-based businesses,” a
Turnbull government media release reads.
There will not be a cap on the overall number of visas, but
individual companies will have a limit on how many migrants
they can employ.
Businesses will be able to take up to 20 skilled migrants
under the new stream per year, while start-ups will be able
to take up to five.
The visas for jobs paid more than $180,000 will only be
available to businesses with a turnover of more than $4
million. The start-up visas will be available to any that is
authorised by an industry body, yet to be chosen by the
The migrants will have the option of a "transitional
pathway" to permanent residence after three years in the
The details of the scheme will be ironed out over the next
few months before a 12-month pilot begins on July 1.
and migration on the forum
Rental Accommodation in AdelaideTHE VALES COTTAGE - YOUR
HOME AMONG THE VINES
This stunning, newly renovated 2 bedroom cottage with newly
fitted kitchen, bathroom and large new, half covered deck
with sunscreen mesh cafe blinds, offers all the comforts of
home. Fully furnished/equipped, this home is within easy
walking distance to restaurants, cafes, wineries, shops and
transport. Just a 5 minute stroll down the road you will
find the popular Salopian Inn and opposite the Leconfield
Winery - hosts to the Day on the Green.
Places of Interest outside McLaren Vales: Colonnades
Shopping Centre (15 mins), Flinders Medical Centre (25 mins),
Marion Shopping Centre (25 mins), Glenelg (35 mins),
Adelaide CBD (40 mins) and Port Willunga, Silver Sands and
Aldinga Beaches are all within 10 - 15 minutes by car.
There is so much to do and see in and around the area -
please visit the websites below to learn more
Weekly rates $650 - minimum stay 2 weeks
Long term lease available - enquire about rates
Enquiries Contact: email@example.com
Great exchange rates with moneycorp
Are you transferring money to or from Australia? If so then
get great exchange rates with moneycorp – plus, as a special
offer for Poms in Oz forum members, there will be no
transfer fee charges. High street banks can typically charge
£10-£40 in transfer fees when making an international
See the table below for an illustration on the potential
savings you could make by using moneycorp.
*based on an exchange rate comparison
taken on 1st January 2018 between Lloyds, HSBC, Natwest and
moneycorp. Please note that there are additional costs with
the service, the high-street banks typically charge £10-£40.
Get started with moneycorp and start saving money:
Moneycorp is a reference to TTT Moneycorp Pty
Limited which is registered in Australia (business number
116612858). Its principal place of business is Level 15
Exchange Tower, 2 The Esplanade, Perth WA 6000, Australia.
TTT Moneycorp Pty Limited is authorised to deal in foreign
exchange contracts and buy/sell quotes to retail and
wholesale clients as an Authorised Representative (reference
number 445555) of Rochford Capital Pty Limited (AFSL License
..and finallywe continue our light-hearted / irreverent
look at the differences between the UK and Australia. This
month - learning to dive.
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