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  • check out my blog - wjche4.blogspot.com.au 回复
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  • 逆境中成长。 回复
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  • 性别
  • 生日1985 年 8 月 11 日
  • 居住地澳大利亚 墨尔本

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澳洲养老金基本-1 2013-05-30
雇主必须给职工交 9% 的养老金。如果你是 ABN 和自己的生意,你可以选择交。 交的好处的 。 1. 养老金的税率是 15% ,如果你的 MARGINAL RATE 高于 15% ,用养老金投资很明显比用税后工资划算。 2. 养老金的增值税( CAPITAL GAIN )是 10% 。(资产在一年以后变卖,一年内是 15% ) 3. 如果你是 ABN, 交养老金这部分钱可以做 DEDUCTION 。 4. 最大的好处是你到了退休年龄(目前是 60 ) , 养老金的钱是不用交税的。 不好的地方是: 1. 这个钱要到你退休的年龄才可以用(除非你面临很大的经济困难)。 如果你是职员,你也可以和你雇主商量用一部份税前收入转到养老金( SALARY SACRIFICE ) 注意的是,投到养老金的钱每年有一定的上限。( concessional contributions cap )。超过的部分是没有税率优惠的。
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真理 2010-09-16
最大的敌人是自己。
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Joke of the day 2010-07-19
Johnny wanted to have sex with a girl in his office, but she belonged to someone else... One day, Johnny got so frustrated that he went up to her and said, "I'll give you a $100 if you let me screw you. But the girl said NO. Johnny said, "I'll be fast. I'll throw the money on the floor, you bend down, and I'll be finished by the time you pick it up. " She thought for a moment and said that she would have to consult her boyfriend... So she called her boyfriend and told him the story. Her boyfriend says, "Ask him for $200, pick up the money very fast, he won't even be able to get his pants down." So she agrees and accepts the proposal. Half an hour goes by, and the boyfriend is waiting for his girlfriend to call. Finally, after 45 minutes, the boyfriend calls and asks what happened. She responded, "The bastard used coins!" Management Lesson: Always consider a business proposal in its entirety before agreeing to it and getting screwed. 
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