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super里面的15％contributions TAX是虾米玩意儿啊？最后跟贴：Can I claim the tax offset for contributions split from my superannuation account to my spouse's superannuation account? No. You cannot claim the superannuation spouse contributions tax offset for contributions split to your spouse’s superannuation account, as the amount split to your spouse’s superannuation account is a contributions-splitting ETP – that is, an ETP roll over – not a contribution. Spouse contributions are non-concessional contributions and as such are subject to the $1,000,000 transitional non-concessional cap that applies from 10 May 2006 to 30 June 2007. If you intend to claim a tax offset for contributions to your spouse’s superannuation account (eligible spouse contributions): you must make contributions directly to your spouse’s superannuation account your spouse’s assessable income plus reportable fringe benefits amount must be less than $13,800 in a year of income, and you must both be residents (for Australian tax purposes) at the time you make those contributions. How do I claim the tax offset? You can claim the tax offset through your tax return. The tax offset is calculated in one of three ways. Where you have made $3,000 or less in eligible spouse contributions and your spouse's total assessable income and reportable fringe benefits is $10,800 or less, the tax offset is calculated as 18% of the eligible spouse contributions. Where you have made more than $3,000 in eligible spouse contributions and your spouse's total assessable income and reportable fringe benefits is $10,800 or less, the tax offset is calculated as 18% of $3,000 – that is, $540. Where your spouse's total assessable income and reportable fringe benefits exceeds $10,800, the eligible spouse contributions limit of $3,000 is reduced by $1 for each $1 of assessable income and reportable fringe benefit in excess of $10,800. The tax offset is calculated as 18% of the lesser of the amount of the spouse contributions for the year or the reduced amount of the spouse contribution limit. Therefore, the tax offset is zero when your spouse's total assessable income and reportable fringe benefit is $13,800. Examples A taxpayer contributes $3,500 to a superannuation fund on behalf of a spouse. The spouse's assessable income is $10,800 and reportable fringe benefits is $0. $10,800 (the actual assessable income) - $10,800 (the base assessable income) = $0 The reduced amount is: $3,000 (the maximum contribution entitled to the tax offset) - $0 (the excess assessable income) = $3,000 or The actual contribution made is: $3,500. As the reduced amount is less than the actual contribution it is used to calculate the tax offset. The tax offset is therefore 18% x $3,000 = $540. A taxpayer contributes $2,500 to a superannuation fund on behalf of a spouse. The spouse's total assessable income and reportable fringe benefits is $12,000. $12,000 (the actual assessable income and reportable fringe benefits) - $10,800 (the base assessable income and reportable fringe benefits) = $1,200 (the excess assessable income and reportable fringe benefits) The reduced amount is: $3,000 (the maximum contribution entitled to the tax offset) - $1,200 (the excess assessable income and reportable fringe benefits) = $1,800 or The contribution actually made is: $2,500 As the reduced amount is less than the actual contributions it is used to calculate the tax offset. The tax offset is therefore 18% x $1,800 = $324. Can my spouse withdraw the money at any time? No. There are limits on when your spouse can withdraw their superannuation. Low income earning spouses cannot withdraw from the fund or RSA until they reach preservation age (55 to 60) or retirement (whichever comes later). You should contact the Australian Prudential Regulation Authority (APRA) for advice on the limits for withdrawing superannuation for non-working spouses. Superannuation can be withdrawn from the fund or RSA early on death, permanent disability or severe financial hardship. Can my non-working spouse roll over all or part of the undeducted contributions on subsequent withdrawal from the fund or RSA? Yes, when rolled over, the undeducted contributions component retains its identity and gives rise to an undeducted contributions component in a payment by the roll-over fund. 最后发表：小茉莉	小茉莉 2007-12-12 12:04	176121	小茉莉 2007-12-12 13:43
online的帐户怎么关闭？最后跟贴：在bank mail里面发一封申请关闭的email 最后发表：pal	fatty 2007-12-9 12:39	41608	pal 2007-12-10 22:19
银行一次最多可以取多少现金? 最后跟贴：大额的提前一天和他们说就可了，如果很紧急，没来得及说，你非要取，他们也会给。最后发表：豆宝宝	兔八哥 2007-11-12 21:41	126773	豆宝宝 2007-12-8 23:35
收到国外汇款也要交税??? 最后跟贴：原帖由 LAMP 于 2007-11-13 22:44 发表我在这里没工作和收入,如果老公从中国把钱汇到我帐上,我收到银行款也要去交税??也算入我的收入里吗???? 你如果没申请税号的话, 他们自动给你扣, 但是你到了财政年度末, 是可以要回来的. 利息要上税, 其他不要的吧. 最后发表：行文流水	LAMP 2007-11-13 22:44	216125	行文流水 2007-12-7 12:55
请教：super需要计算在总收入里吗？最后跟贴：原帖由青天白日于 2007-12-7 02:46 发表如果super不算income，那里面缴的税不就1分也退不出来了？不能退。跟退税不搭界。最后发表：eleven_baby	青天白日 2007-12-4 02:08	103023	eleven_baby 2007-12-7 08:34
Raboplus银行新开户送现金啦最后跟贴：呵呵这位JingYi Wang也忍不住了. 最后发表：VIP	guigua 2007-12-5 15:40	101846	VIP 2007-12-6 11:31
age pension 最后跟贴：是够震撼的！！！最后发表：美讶	holdenmcgorin 2007-12-2 23:05	92211	美讶 2007-12-3 20:35
hsbc的SERIOUS SAVING 最后跟贴：HSBC的利息都是28号起算的最后发表：linjun70	go2 2007-11-29 22:13	21573	linjun70 2007-12-2 23:21
在HSBC 能开户抄港股???? 最后跟贴：原帖由 tilburg 于 2007-12-1 21:00 发表有没有介绍详细流程呢？周末也可以么？地点随便？手续非常简单，最好你到他们中环的总部开户，周末他们好像没开。最后发表：fordiy	LAMP 2007-11-23 10:33	102288	fordiy 2007-12-2 22:50
请问老妖: SMART ACCESS怎么在NAB网络上找不到?只有SMART DIRECT. 最后跟贴：原帖由 OZfish 于 2007-12-1 11:31 发表多谢老妖不好意思最近比较忙没有一个个仔细看帖所以怎么久才回你。最后发表：黑山老妖	OZfish 2007-11-29 22:46	31416	黑山老妖 2007-12-1 11:33
如何选择银行?关于HSBC的问题最后跟贴：多谢多谢. 最后发表：OZfish	OZfish 2007-11-29 21:20	31518	OZfish 2007-11-30 15:01
Microsoft Money 有免费下载的吗? 最后跟贴：哈哈我也要下载点microsoft的money 最后发表：小小强	luckycoin 2007-11-18 18:55	31656	小小强 2007-11-29 23:11
信用卡问题最后跟贴：为什么不看看以前的帖子呢? 最后发表：VIP	zljajlz 2007-11-29 17:01	61807	VIP 2007-11-29 17:49
BBBBBBBBBBBBBBBBBBB 最后跟贴：应该可以用BPay吧,仔细看看信用卡的statement. 最后发表：VIP	gooddong 2007-11-29 11:05	21902	VIP 2007-11-29 11:15
各位有没有好的贷款中介介绍? 最后跟贴：你可以找我。。。。我一定为你提供最好的服务最后发表：资深贷款经理	闷闷 2007-11-19 17:39	91956	资深贷款经理 2007-11-28 19:39
家庭用的收支表最后跟贴：Got them, Thanks a lot. 最后发表：patrickzhu	patrickzhu 2007-11-28 08:50	41721	patrickzhu 2007-11-28 09:14
信用卡还款期的计算最后跟贴：哦, 明白了, 谢谢VIP及时指出 ++分最后发表：zn7726	zn7726 2007-11-26 11:47	21667	zn7726 2007-11-26 12:02
国内家中想汇钱来,不知道怎么便宜安全最后跟贴：让你父母办个银联卡，然后给你寄过来，然后你可以用银联卡在这里取钱，nab的自动取款机可以取，别的我还没试，手续费不是太高，具体我忘了，你可以查查，大概是千份之一+每笔15块人民币吧，汇率应该是当天的人民币对奥比的汇率最后发表：什么东西	不明白 2007-11-23 16:19	52419	什么东西 2007-11-25 23:32
老外打算使用信用卡网上转帐给我，会有什么风险么？最后跟贴：绝对不要这么收，正像spirit1 说的，如果他根银行说他没有付过这笔钱，你又拿不出证据，银行会把钱收回去。你就只能跟他打官司了。最后发表：solarcn	yutoubao 2007-11-10 11:02	72242	solarcn 2007-11-22 13:09
国内带款是否作为国外收入计个税？最后跟贴：从国内能直接汇这么多钱么? 最后发表：时刻	lijialiang 2007-11-20 19:27	31745	时刻 2007-11-21 20:14
HSBC Serious Saver 最后跟贴：HSBC Serious Saver利息不是最高，但也不低，好处是可以管住你用钱，只要一转账的话，整个月没有利息，没有其他费用。但是，我在要动这些钱时，都是在每月28日结息后，马上把所有的钱全部转到on line saving中，到下个月28日结息后，在把用剩的钱转回Serious Saver。这样可以有online saving的利息了，也还不错，5000以上的话是5%+。最后发表：linjun70	intel5858 2007-8-16 22:13	193760	linjun70 2007-11-21 07:53
什么是 Purchases Rate? 最后跟贴：原帖由 Anihc 于 2007-11-17 00:11 发表谢谢LS，还好我一般都比较守时，这样我就可以不用考虑这个Rate了，查过目前的信用卡有年费的免息期好像都是55天，没年费的都没有免息期。看来我惟有去找找年费比较低的信用卡才比较实际了。比起年费来，我认为更重要的是积分计划，比如现在用的CBA卡，虽然年费要付$59，但积5900点就可以把年费退回来。一年的开销，怎么也得有个1－ 2万的。而那些没有年费的卡，钱花了也就花了。什么都没有。最后发表：zhengtao	Anihc 2007-11-15 21:40	61629	zhengtao 2007-11-19 22:27
有说中文的银行职员吗?? 最后跟贴：HSBC, ANZ, CBA 在华人聚居的地方差不多都有的. 最后发表：fujay	LAMP 2007-11-13 22:51	72111	fujay 2007-11-15 23:33
询问银行转账相关问题最后跟贴：多谢老妖，我已经在那个帖子里提问了，估计楼主还没回复呢，不过现在也不是很急。看了你很多理财方面的文章，很有收获！最后发表：小黑皮	小黑皮 2007-11-14 20:09	21626	小黑皮 2007-11-15 21:21
激活信用卡小问题最后跟贴：这个卡以前没有rewards program,现在新加上去但没有详细说明,估计不会太好. 永远免年费的卡有很多,至于选择哪个要看你的个人需要. 如果想要cash back可以考虑Bigsky. 如果想要汽油优惠或超长免息期,可以考虑Coles Source. 如果没有特别在乎的rewards,可以考虑Virgin. 如果经常境外消费,可以考虑Wizard Clear. 如果希望有银行网点,可以考虑NAB Ant和Bankwest zero. 如果想要balance transfer,以上各种卡几乎都有. 最后发表：VIP	lh2004 2007-6-18 16:42	62205	VIP 2007-11-15 15:47
Where can I transfer US $(cash) to China 最后跟贴：Very upset! Just been to CBA, was told that I have to convert to AUS$ first, then convert it back, AS they don't take cash! Miss Singapore, you can transfer whatever money you like. 最后发表：Lynette	Lynette 2007-11-15 13:08	01476	Lynette 2007-11-15 13:08
银行利息最后跟贴：嘻嘻，人生在于折腾最后发表：花开花落	cunjin2008 2007-11-12 11:37	81778	花开花落 2007-11-14 20:02
关于银行之间转账限额最后跟贴：了解.还是想我之前说的,从raboplus那边转属于Direct Debit,不受这个5000的限制. 转帐出错一般需要几天时间refund,因为你填了名字,钱不会丢的,别着急.如果放心不下,把时间金额和ref no等细节记下来报告给HSBC吧. 最后发表：VIP	tyxzh 2007-11-13 23:32	164351	VIP 2007-11-14 18:08
国内汇款到澳洲我的帐号ATO要抽税吗？最后跟贴：不会，但银行可能会抽TRANSACTION FEE。最后发表：prettywoman18	aus2007 2007-11-13 23:41	11627	prettywoman18 2007-11-14 10:02
抱歉，您尚未输入标题或内容你就别八卦了 - [阅读权限 255]	gkgkgk 2007-10-22 18:14	17519	audream 2007-11-13 23:38
免付利息税最后跟贴：原帖由 Garfield 于 2007-11-13 14:19 发表这里没有专门的利息税，统一是收入交的税。所以lz的问题是，多少的收入可以免税。以前是6000，现在好像升到1万了。 Still 6K 最后发表：pigtail	LAMP 2007-11-13 14:15	61746	pigtail 2007-11-13 17:53
Commonwealth Bank No Fee Card 还OK吗？最后跟贴：是哟，好像是没有 http://www.creditcard4u.com.au/commonwealth_bank.htm 跟 http://www.commbank.com.au/perso ... s-fees/default.aspx 的信息有误。。谢谢楼上的。。 +++ 最后发表：Anihc	Anihc 2007-11-12 22:15	21514	Anihc 2007-11-13 17:46
What's "swift code" in Chinese? 最后跟贴：对啊，有时候想省劲，反而更麻烦最后发表：qingmeisu	Lynette 2007-11-12 14:12	101993	qingmeisu 2007-11-13 16:59
生活补贴?? 最后跟贴：原帖由 LAMP 于 2007-11-13 14:51 发表什么叫P/L 会不会是Pty Ltd? :si111 最后发表：villa	LAMP 2007-11-13 14:38	41718	villa 2007-11-13 15:50
汇率啊，真没普最后跟贴：跌，快跌！！！天天都盼跳水最后发表：热带雨林	jingsun 2007-11-12 15:49	61702	热带雨林 2007-11-13 11:56
急问最后跟贴：噢噢噢噢噢噢噢噢噢噢噢噢噢噢哦最后发表：cunjin2008	cunjin2008 2007-11-10 23:36	121701	cunjin2008 2007-11-12 19:50
澳洲定期帐户怎么不给设密码的? 最后跟贴：从来没有密码，只是到时候取出来的时候要核对ID和签名。最后发表：zhengtao	树袋熊 2007-11-12 00:27	11590	zhengtao 2007-11-12 17:24
现在手里有些闲钱，该怎么理财最后跟贴：深奥最后发表：mosquito0605	gshwsh 2007-10-30 23:55	253304	mosquito0605 2007-11-11 14:59
国内汇款到澳洲，有啥好办法？最后跟贴：用民生银行澳元借记卡，直接存澳元现钞或人民币，消费澳元，没有货币转换费唯一不好的是不能无卡交易，不能网上交易，必须在POS上划了才能用最后发表：enjoyit	greanbean 2007-11-4 18:28	62601	enjoyit 2007-11-11 12:41
信用卡使用被拒！最后跟贴：就是机器的问题。最后发表：zhengtao	icebear 2007-11-10 16:53	91973	zhengtao 2007-11-11 12:15

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