Age Pension Super and Retirement

#38 Tax and Ownership Structure with Gayle Mckew

#37 Income Estimate for Childcare Subsidy and Family Taa Benefit with Rebecca Topics include: Why are we talking about this in April? Income not included in the estimate. What about people who do not lodge a tax return If only on Centrelink does Centrelink already know your income Tips when doing this estimate What happens if someone misses the deadline or if your income changes unexpectedly durin...

#36 Centrelink Indexation and Deeming Rate Changes with Rebecca Rebecca explains how much Deeming Rates increase, Thresholds, Which Payments are effected, Age Pension Increases and Rent Assistance Full and Part Age Pension Cut off limits

#35 Rebecca More Frequently Asked Facebook Questions

Gayle explains Joint Assets and Tenants In Common and how this affects Survivorship Accidentally disinheriting children Business owners not holding assets in their name for asset protection Unintended Consequences of Intergenerational Wealth Transfer

#33 Intergenerational Wealth Transfer with Gayle McKew Tax Impact of Inheriting the Family home Pre CGT Assets Establishing a new cost base after death Change of Title Granny Flat Arrangement Children Being Disinherited GrannyFllat Arrangement and Aged Care INsurance Bonds and more

#32 Intergenerational Wealth Transfer Part 1 with Gayle McKew We discuss some unintended consequences around government housing, DSP What happens when someone dies Intestate Testamentary Trusts and Special Disability Trusts

# 31 Rent Assistance Income form Boarders and Lodgers with Rebecca What is Rent Assistance and who can get it Can People travelling around Australia Receive Rent Assistance or have Boarders and Lodgers When are you allowed to charge rent and board to those who live with you How does Centrelink assess income from Rent and Board  

#30 Facebook Group Questions with Rebecca

#29 Medicare and PBS with Rebecca What are PBS Prescriptions and who is eligible What does and does not the Healthcare Card entitle you to re medical expenses Are there co-payments for PBS Medications What are Allied Health Vouchers Do retirees pay the Medicare levy What is MyMedicare and how do you register for it Does Centrelink offer any payments for medical expenses

#28 Gender Superannuation Gap with Gayle McKew Gayle discusses the reasons for the the Gender Superannuation Gap including:  Care Giving, Part Time Work, Divorce Settlements, Previous Rules regarding Married Women Working, Career Gaps and more.

#27 Lifetime Income Streams and Annuities with Gayle McKew Gayle explains what Lifetime Income Streams and Annuities are Including Tax Paid on these Market Linked and CPI linked Annuities Older Style Annuities compared with Current Annuities Concepts Such as Guarantee of Capital, Residual Amounts and how Annuities tie in with Centrelink

#26 Superannuation - Inheritance with Gayle Mckew How can receiving an inheritance affect Centrelink What happens when different categories of people inherit Super Binding Nominations Tax Implications and more  

In this episode Rebecca answers questions Drawing a weekly amount or lump sum amount from Super. How it affects the Age Pension Qualifying for Age Pension, New Start,  How turning a Principal Place of Residence (PPOR) into a rental property affects the Age Pension Does owning two properties prevent you from receiving the Age Pension

What is a Granny Flat Interest or Arrangement? What does "Interest" mean in this context? Do you need to be a home owner? Is it always the traditional "Backyard Granny Flat"? Lifetime Rights to Live there Is it included in the assets test? Does it matter if there is a Mortgage? Does a Graanny Flat affect "Gifting Rules"? What happens if Granny/Grandad needs to go into Aged Care? Could this work wi...

Topics include: Superannuation Guarantee Salary Sacrifice Concessional and Non Concessional Contributions Bring Forward and Carry Forward Rules Superannuation Splitting Government Co-contributions Downsizer Contributions and Age Limits     

Superannuation Gayle explains Eligibility, Conditions of Release and Preservation Age and more.

What is an Account Based Pension? What is meant by Pension Phase? Lump Sums and Regular Income Payments Tax Binding Nominations Centrelink Treatment of Account Based Pensions Minimum Withdrawals and more

Gayle explains a brief, basic history of superannuation and why it exists When it became compulsory The accumulation phase explained The Superannuation Guarantee  How Accumulation accounts are taxed What a Notice of Intent is How Centrelink treats money in Accumulation Account

What is the HEAS? Who qualifies for the HEAS? How much can you borrow using the HEAS? Is it different to a traditional Reverse Mortgage? When is the loan repaid? What sort of interest rate is charged? A great episode for retirees/Age Pensioners

What is Carer Payment and Carer Allowance? Do you need to be living with the person you are caring for? Are ther any work, income or assets tests for these payments? Caan you claim for caring for more than one person?

This episode is relevant to Retirees and Age Pensioners who may wish to travel or move overseas.  Rebecca answers questions about what happens if you travel overseass whilst on the Age Pension such as: Is there a certain amount of time that you caan travel without affecting the Age Pension? What happens if you leave Australia for longer than 6 weeks or 26 weeks? Can you still receive the Age Pensi...

This episode with Rebecca for those on Centrelink Payments. Retirement, DSP, Carers Payment, Carers Allowance, Part and Full Age Pension.  What happens at Age 67, What happens if a Carer Goes into Aged Care, what happens to the Carer if the person they care for goes into Aged Care.  Rent Assistance Similarities/Differences bedtween Age Pension and Carer Payment.  differences between DSP (Disabilit...

Rebecca discusses the effects of Relationships and Bereavement on the Age Pension.

Rebecca dicusses Gifting Rules for the Age Pension, The Five Year Rule Answers 3 Group Member Questions and more