工作学习 今日: 2 |主题: 12105|排名: 6 

最后发表： soyes-z
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最后发表： 收购二手车
回复内容：
应该不可以的

最后发表： katsura
回复内容：
Snake oil

最后发表： vickyvicky
回复内容：
怎么我们去问HSBC, 存款美金没有问题,但是从美金帐号取款是要收3%手续费的?
搞的我们手上的美金不知道怎么处理,

最后发表： thomasyue
回复内容：
参考参考。 看来又要改简历了。

最后发表： y2kgo
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TYer路过

最后发表： kev1983
回复内容：
其实我觉得大家也不用这么互掐，房价嘛跟人口是联系着的，人多房少的地方房价就高了嘛，这有什么好掐的。

最后发表： kev1983
回复内容：
见笑，先介绍下俺最近跟bhp的经历再问吧，呵呵，核危机那几天，我胆肥了下在bhp跌到了44时候买了不少，后来危机不要紧了后bhp就一直升，到了谣言bhp要收wpl的时候bhp到了49.8，但我那天上班忙没看到，结果二天就赶上bhp出来辟谣，眼看着bhp从49到了48，不甘心啊，就想等wpl出来说点话，当时我担心bhp耍花招想压wpl的股价，结果一等就成了现在的47了，我现在疑问的是bhp在澳币狂升，中国钢产有点自给过剩的情况下在圣诞节前还会不会像专家预测的会到55块呢？我现在极其想卖了它投银行股，因为它目前占去了我profolio里的大部分流动资金，然后最近大家都在热买的是银行股，我也想从能源版换到金融那边去偷点鸡，还请看asx大盘的前辈们多多赐教，多谢了。

最后发表： whateverzhang
回复内容：
其实澳洲注册公司很容易，可以自己来，网上都有相关介绍，如果怕考虑不周全想找代理公司的话，推荐http://www.vtmconsulting.com.au/company_registration/index.php，这家信誉好服务好员工素质高，可以了解一下。

最后发表： panda57
回复内容：
没工作和收入的话，基本没银行可以接受你的信用卡申请，除非你是学生。
至于需要申请有信用卡功能的银行卡，如Siva所述，你在commonwealth bank可以申请debit mastercard，这样就可以解决optus的话费扣划问题。
Debit mastercard的申请方式和功能如下：
http://www.commbank.com.au/perso ... ercard/default.aspx

最后发表： rockferry
回复内容：
最近发现澳洲跟加拿大币总是差不多，一个涨另外一个也涨，加币也快7了

最后发表： bestxiao5
回复内容：
多方的利益纷争, 全天下的百姓 就是鱼肉, 任人宰割

最后发表： 老鼠爱上猫
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谢谢LZ分享！

最后发表： 青山
回复内容：
我最近也在考虑。不过etrade交易费很贵。而且美国对外国投资者获得的分红收30%的利得税。交易费基本上一次进出有1.5%以上。

最后发表： aaron_liuf
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同道中人！不过我先得去边远待两年

最后发表： 自然
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即使不包税是不是也要填个表呀什么的？
我去年去年去post找了张表填了0收入，是不是今年也这么办呢？

最后发表： jimraynor0
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none of his friends? 我猜的

最后发表： pinxinge
回复内容：
We thought housing articles couldn’t get any worse after reading the effort from HSBC’s Paul Bloxham last week.
But oh boy.  We were wrong.
The Sydney Morning Herald’s Jessica Irvine has knocked out what is, in our opinion, the year’s worst housing bubble article – that’s a big claim when it’s still only March!
But it’s hardly surprising, seeing as much of the material appears to have been drawn from Mr. Bloxham’s half-baked effort last week.  After all, if you take a badly baked cake and mix it up, what are you left with?  That’s right, an even worse cake.
There’s no point taking apart the entire article, because as I say, it’s largely a rehash of Mr. Bloxham’s effort.
But I will go over a couple of points.  I know, maybe it gets a little boring covering old ground.  But as long as the mainstream press and banking insiders keep printing the same old drivel, I’ll keep printing rebuttals.
So if you’ve had enough of housing bubbles, give this section a miss and scroll down to see what Aaron Tyrrell has to say about cars and lithium.
If you’re still with me, let’s take a look at some of the schoolgirl errors made by Ms. Irvine:
Ms. Irvine backs Mr. Bloxham’s claim that Aussie houses are better quality than those overseas.  Not surprisingly, no proof is given.  Where is the data to prove this?
Then Ms Irvine claims Aussies houses have “marvellous water views”!  And that’s why high prices are justified.  What on earth does that have to do with anything?  If “marvellous water views” are a house price crash preventer, then surely a lack of “marvellous water views” is a house price bubble preventer.
Yet the lack of “marvellous water views” didn’t stop house prices in Arizona forming a bubble.
Yes, people may desire a water view, but it doesn’t mean houses with water views can never be overpriced.  The same dynamic of excessive credit and the belief that prices can never fall has played out in houses with and without views.
In fact, based on some of the discounting that’s happened among prime Sydney apartments on the Harbour, we’d say those properties with a “marvellous water view” are likely to be hit the hardest.
But those are just trivial things.  Things she may now regret writing.  Of more interest is the following comment:
“You see, house prices only fall when people are forced to sell their homes. Otherwise, households choose to simply remain in their home and wait things out. Property investors are loath to realise their capital loss.
“A true collapse in house prices would indeed require some large external shock - a doubling of unemployment or interest rates - to trigger the wave of forced home sales that it would take to provoke house price falls.”
Not true.  People buy and sell houses all the time.  People upsize and downsize.  If someone wants to sell, they’ll sell… not just when they’re forced to.
All that’s required for house prices to fall is for people to think that house prices will fall.  Just in the same way that share prices can fall when they reach a peak.  Sellers look to get out first before everyone else gets the same idea.
But because it can take so long to sell a house, the stock of housing on the market can build up quickly.  And before sellers know it, they’re no longer the only house on the street for sale… they’ve got competition.  And as you know, in all areas of an economy, competition tends to drive down prices.
And let me tell you something, there’s a whole bunch of competition on the market right now.
This week SQM Research sent out its latest analysis of housing stock on the market.  As you’ll see in the table below, there’s been a huge increase in the number of houses up for sale:
In fact nationally there has been a 46% increase in the supply of housing for sale, compared to the same time last year… 46%!
Talk about a housing glut…forget the housing shortage lies.  Australia has a huge excess of housing.  Incidentally, we did hear our old pal Peter Switzer banging on about the housing shortage last night on Sky Business Channel… it seems you can’t keep a good excuse down.
But what will the glut do to prices?  That’s right, push them down thanks to increased competition.  I can picture buyers now, “Why should I pay $500k for your house when there’s one down the road for $480k…”
Forget “large external shocks”, or a “doubling of unemployment or interest rates”, all it needs is increased competition… and we’ve got it.
But Ms. Irvine also ignores the fact that different sellers are in different circumstances.  Someone who bought a house for $100k, may be happy to accept $300k, whereas someone who bought for $350k may not be so happy.
But that won’t stop the first house from selling.  And it won’t stop house prices from falling just because someone chooses to hold out for a higher price – which may never arrive if buyers can get something similar for cheaper.
You see, the idea that something major has to happen in order for prices to fall is nonsense.  There doesn’t need to be a big bang catalyst to spark a house price rout.
All that’s needed is for the fundamentals of supply, demand, price and quantity to play out.  And that’s happening right now.
But what about the idea that interest rates need to double?  Not true.  When interest rates are kept artificially low, it sucks in a whole bunch of borrowers.  Those that wouldn’t otherwise have borrowed are drawn into the market.
As with anything, artificially low interest rates create malinvestments.
And as Ms. Irvine correctly points out, it encourages lower lending standards too.
Because so many borrowers have been sucked in on low interest rates, it distorts the market.  But at some point the demand for borrowing will begin to dry up, and investors who would otherwise have put savings in the bank will look elsewhere for higher returns.
That creates a problem for a Ponzi banking system.  Banks need to keep filling the hopper.  They need more deposits and more borrowing to keep the Ponzi finance flowing.
When that slows down – as it has – the banks need to raise interest rates.  Simply so they can encourage savers to deposit money, or to encourage investors to buy their bonds.
Remember all the crazy offers the banks were making to attract deposits last year?  Yeah, of course you do.  That’s Ponzi finance in action.  It was an indicator of the market starting to tip over.
But here’s the thing.  If the bank has lowered its lending standards and kept interest rates low for too long, interest rates only have to rise marginally in order for it to have a big impact on borrowers.
It’s just like leveraged investing.  It works great when things are going your way… and… not so great when things are going against you.
For instance, the ANZ Bank reckons the median house price is $559,000.  Let’s say someone has taken out an 80% mortgage, borrowing $447,200.  An interest rate of 5% would mean repayments of $2,401 per month.
But should the interest rate increase to 7%, repayments increase to $2,976 per month.
That’s an extra $575 per month of after-tax money.
And if interest rates go to 8%, then you’re looking at monthly repayments of $3,282… an extra $881 per month.
“Oh, that won’t happen,” the spruikers say.  Really?  Too late, we’re almost there.  Mortgage interest rates got down to about 5% in 2008.  Today they’re above 7%.  And that’s why prices are on the way down.  That’s about a 20% increase from the low point.
“Oh, but people are ahead on their mortgages, the RBA says so.”  Don’t trust those figures too much.  Sure, plenty of people would have gotten ahead on their mortgages.  Especially as interest rates dropped in 2008 and 2009.  But trust me, it won’t take long for that benefit to be wiped out.
Not when repayments are an extra $700 or $800 per month.
And don’t forget, those that are ahead are those that had mortgages prior to 2008… before interest rates were cut.  Those that were suckered in by the first-home buyer’s bribe won’t have any buffer, because they were conned into borrowing as much as they could afford, just at the point when interest rates were at the low.
Any interest rate increase will hurt them harder.  Each 0.25% rise in interest rates is an increase of 5% increase for someone who took out a mortgage when rates were at 5%.
Whereas it’s only a 3.5% increase for someone who took out a mortgage with rates at 7%.  Believe me, it may not seem like much, but it makes a whole lot of difference when you’ve overextended yourself with a giant mortgage.
But what about the unemployment rate.  Again, don’t get too excited.  Sure, the unemployment rate is 5%.  But remember who counts as employed… anyone doing more than one hour of work per work… yeah, those people are gonna help prop up house prices!
For a start, consider that today about 28% of all employed people work part-time.
In 1978, it was only about 14%.
What does that tell you?  It tells you there has been a relative increase in people working part-time.  That much is obvious.
What else does it tell you?  Well, we’re not a labour force analyst so we can’t say for certain.  But we can take a stab at a guess or two…
Granted, more flexible working arrangements have played a part.  But we’ll guess it also means that people are now counted as part of the permanent labour force when previously they weren’t… therefore distorting Australia’s unemployment rate.
You can see that distortion in the number of unemployed people and the number of people not in the labour force.  Both these numbers have only increased by about 50% over the past thirty-three years.
In normal circumstances you’d expect those numbers to increase as the population increases.
But while there has been an increase it has been nowhere near as much as the increase in the number of people in the workforce.  Those employed full-time has more than doubled.  But importantly, the number of people working part-time has increased more than three-fold.
In other words, fiddling of the employment statistics is giving a distorted impression of the strength of the Australian economy.
Both of these facts tell you it won’t take a major shock to interest rates or unemployment to knock house prices down.  All it will take is a marginal move in either – thanks to the increased leverage from low interest rates.
Nothing I’ve written will stop the spruikers from carping on about the invincibility of the Australian housing market.  House prices are falling around their ears, yet still they make the same old tired excuses.
But really, the spruikers must learn to do better.  And if they insist on egging on the mainstream press to write anti-bubble stories, they should give them better and more convincing material than rubbish about “marvellous water views”.
Cheers.

Kris Sayce
For Money Morning Australia

最后发表： 南楓不勁
回复内容：
央行自去年以来共加息四次，其中今年以来加息两次，目前一年期存款利率达到3.25%，但面临居高不下的通货膨胀率，现在仍旧处于负利率时代。所以，如何做好投资，战胜通货膨胀，是每个客户都犹为关心的问题。

1、理财产品：投资期限选短不选长。

每次加息，银行都会排起长龙，客户纷纷重新转存。与之相比，银行理财产品收益率更胜一筹，特别是短期理财产品无疑优势凸显。很多银行理财产品的收益率都会随着利率的调整而变化。在数次加息的累积效应下，银行新发行的理财产品预期收益率也水涨船高，特别是一些信托产品和债券、货币市场类产品。加息周期下，客户应尽量选择投资期限比较短的理财产品，一旦加息，便于转而购买收益更高的新发产品。

2、货币市场基金：替代活期存款做为现金管理工具。

在今年物价高企、宏观调控从严、市场流动性趋紧的大背景下，相比股票型与债券型基金，货币市场基金的流动性最佳，堪比活期储蓄存款，一般2—3个工作日即可到账，且免收申赎手续费。货币市场基金主要投资于短期金融工具，如国债、金融债、央行票据、信用等级较高的企业短期融资券、银行定期存款等，投资周期短、现金比例高，能够及时把握利率变化及短期交易品种的投资机会，再加上货币基金管理人主动交易因而获得超额收益。

3、保险：投资保障两不误

收益水平能够随着利率水涨船高的分红险、万能险也是加息周期下不错的选择。

如果单论收益性，分红险、万能险可能比不上其他投资渠道，但其“保障+投资”的特性却是其他产品所无法比拟的。保险公司纷纷推出很多全新产品，在提供保障的同时，也通过各种投资渠道帮助客户抵御通货膨胀。不过由于分红险、万能险投保期限普遍较长，存在一定的流动性风险。客户务必将长期不用的闲钱拿来投资，而且最好不要中途退保，以免造成不必要的损失。

4、基金：重点关注偏股型基金。

尽管市场仍不乏结构性机会，但在加息、上调存款准备金率、资金面收紧等利空政策下，A股市场今年整体走势仍充满较大的不确定性。对于难以把握阶段性、结构性机会，操作不好股票的投资者而言，借道偏股型基金也是不错的选择。风险承受能力较弱的客户可以选择基金定投，通过定期小额将资金存入基金账户，可以分散市场风险。债券型基金对于风险承受能力较低的投资者来说，仍然是值得关注的品种。

5、黄金：核心价值在于避险。

将黄金作为投资组合的一个组成部分，有利于降低组合整体风险，提高资产配置效率。黄金作为保值避险品将在一个阶段内持续受到追捧，金价继续上涨的动能依旧存在。但是，黄金的核心价值在于规避信用风险，因为黄金不是信用资产。在个人家庭资产配置中无论是股票、基金、理财产品甚至是储蓄存款，都是信用资产。这样的结构在应对系统性风险的时候是经不起考验的，高端客户应配置10%—15%的实物黄金资产。

最后发表： 我的霍巴特
回复内容：
7w该找会计了。。

最后发表： lyxd
回复内容：
每天安排1个小时左右的工作时间就可以，同时也不需要任何投资，是留学生理想的赚钱机会。

一、岗位介绍： Ebay国际站点销售、售前售后咨询
利用各种渠道开拓国外市场；

二、任职要求： 1、所在国家语言和英语读写流利； 2、为人踏实、诚恳，易沟通； 3、电脑操作熟练，通晓互连网及办公软件者优先；
4、熟悉Ebay销售平台及规则； 5、有上进心，工作认真负责； 6、可以兼职，时间保证充足（每天1个小时左右）；

三、职位说明： 1、管理Ebay销售，组织网上零售、产品上传平台； 2、处理客户邮件, 提供售前咨询、订单追踪信息；  
四、薪金制度：
按销售价提成或者以底价超出部分为兼职人员的薪酬，。单笔结算提成。客户把货款打给你，你扣除你的的提成或超出部分然后转给我们，我们负责发货.发货后给你跟踪号，可以在线查询货物到达的详细信息。买家收到商品以后给你好评。我们提供产品、物流、售后,应聘者只需负责Ebay产品信息刊登。
具体产品信息请联系我们详细了解。

最后发表： vega25
回复内容：
木人理。。

最后发表： ahl
回复内容：
Thanks for sharing, good listening and educational stuff. Here is the link: http://www.abc.net.au/rn/ockhamsrazor/stories/2011/3191637.htm

最后发表： happyowner
回复内容：
TAFE的ESOL英语课，需要面试然后排队，457签证10块一小时。你可以去问问，约一下测试时间。

最后发表： mite
回复内容：
this is the house in which i was born 偶理解； 上面那个偶不理解

偶是3级翻译资格移民的； 英文是偶饭碗啊

最后发表： maxxblue
回复内容：
18weeks的FT是每周22－23小时这样
我今天去Kogarah 的St.Geogre TAFE问了，要7月月份才开学，让我5月初再打电话安排interviw，还有那么久......
难道我在家自学

最后发表： gulite120
回复内容：
支持啊,支持支持

最后发表： shthh
回复内容：
开网站有好的意向吗

最后发表： 西澳海豚
回复内容：



光是冲着第一点，我就签了-----

最后发表： gulite120
回复内容：
是不是在FINANCIAL PLANNING里有这些公式?计算方法?我在考虑PR后读书,国内的金融学比较怕,哈哈,国外是不是就是FINANCIAL PLANNING

最后发表： dejah
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还得看你是啥专业。

最后发表： nil
回复内容：
很简单。比较下面的：

刚见面：nice to meet you.

告别的时候：nice meeting you.

不定式是表将来的。ing是表完成的。初中英语语法。

楼主的例子表明这个人已经在class学习了。假如是个刚转学的同学first见面，那么用to have you

最后发表： free_xiefeng
回复内容：
请问下大家如果要在澳洲装空调 需要什么证书呢

最后发表： yearshappy
回复内容：
fabulous
so much to learn

最后发表： yearshappy
回复内容：
sad to hear the news
not sure exactly what's going on there

最后发表： adelle
回复内容：
没有过赖以生存的专业技术、没有过硬的英语、没有澳洲当地的人脉、。===> 基本就是做labor的机会大了，要么回炉再造，要么自己买个店做生意。

最后发表： Chioz
回复内容：


问题是这50k年薪据说包含了super，年假、病假等福利的，有没有政府工作的来确认下啊？
Casual比Perm高20%,这是我来澳后两个工作的情况，其它就不清楚了。

最后发表： dawnny
回复内容：
box hill tafe  华人是比较多，但好像没有汽修专业，楼主查一下吧

最后发表： princemartin
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全球最大，那还不错嘛

最后发表： 快哉风
回复内容：
是不是中介在中间克扣了？