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	<title>Comments on: How many Migrants leave New Zealand?</title>
	<atom:link href="http://www.avalonsguide.com/anab/2010/01/how-many-migrants-leave-new-zealand/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.avalonsguide.com/anab/2010/01/how-many-migrants-leave-new-zealand/</link>
	<description>There is no &#34;One True Path&#34; to emigrating.</description>
	<lastBuildDate>Wed, 08 Feb 2012 04:34:28 +1300</lastBuildDate>
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		<title>By: Avalon</title>
		<link>http://www.avalonsguide.com/anab/2010/01/how-many-migrants-leave-new-zealand/comment-page-1/#comment-6404</link>
		<dc:creator>Avalon</dc:creator>
		<pubDate>Thu, 21 Jan 2010 10:36:28 +0000</pubDate>
		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=1923#comment-6404</guid>
		<description>&lt;a href=&quot;http://www.avalonsguide.com/anab/2010/01/uk-state-pensions-–what-happens-to-it-when-you-emigrate/&quot; rel=&quot;nofollow&quot;&gt;Ive written a blog post about what happens to your UK state pension when you emigrate.&lt;/a&gt;

Here:
&lt;a href=&quot;http://www.avalonsguide.com/anab/2010/01/uk-state-pensions-–what-happens-to-it-when-you-emigrate/&quot; rel=&quot;nofollow&quot;&gt;http://www.avalonsguide.com/anab/2010/01/uk-state-pensions-–what-happens-to-it-when-you-emigrate/&lt;/a&gt;</description>
		<content:encoded><![CDATA[<p><a href="http://www.avalonsguide.com/anab/2010/01/uk-state-pensions-–what-happens-to-it-when-you-emigrate/" rel="nofollow">Ive written a blog post about what happens to your UK state pension when you emigrate.</a></p>
<p>Here:<br />
<a href="http://www.avalonsguide.com/anab/2010/01/uk-state-pensions-–what-happens-to-it-when-you-emigrate/" rel="nofollow">http://www.avalonsguide.com/anab/2010/01/uk-state-pensions-–what-happens-to-it-when-you-emigrate/</a></p>
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		<title>By: Hubby</title>
		<link>http://www.avalonsguide.com/anab/2010/01/how-many-migrants-leave-new-zealand/comment-page-1/#comment-6401</link>
		<dc:creator>Hubby</dc:creator>
		<pubDate>Thu, 21 Jan 2010 10:15:22 +0000</pubDate>
		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=1923#comment-6401</guid>
		<description>hi Maria
Thanks for the comment.
I think when people look at anything in this level of detail, then the high level summary/simplification has plenty of catches compared to our expectations.  It&#039;s not something anyone is likely to find out until they&#039;ve been through it themselves.
Having liberated my UK private pension over to NZ, there was lots more to know about the process and what it involved, which none of the &#039;pension moving&#039; companies talk about until you&#039;re seriously going to be a client.

The complexities of your final years taxation in the UK is something that can only be figured out when you have to do the tax return.  Knowing what we do now, I might try and do things differently - however fundamentally it wouldn&#039;t change our plans significantly.

As ever, research, research &amp; more research.  

The information IS out there, it&#039;s just that we have to look for it and ask the right questions.  Rather than assume someone will come along with the answers to questions we&#039;ve thought &amp; not asked.  

Heck, there were loads of questions we didn&#039;t know the answers to before we moved - hence writing the book ;)</description>
		<content:encoded><![CDATA[<p>hi Maria<br />
Thanks for the comment.<br />
I think when people look at anything in this level of detail, then the high level summary/simplification has plenty of catches compared to our expectations.  It&#8217;s not something anyone is likely to find out until they&#8217;ve been through it themselves.<br />
Having liberated my UK private pension over to NZ, there was lots more to know about the process and what it involved, which none of the &#8216;pension moving&#8217; companies talk about until you&#8217;re seriously going to be a client.</p>
<p>The complexities of your final years taxation in the UK is something that can only be figured out when you have to do the tax return.  Knowing what we do now, I might try and do things differently &#8211; however fundamentally it wouldn&#8217;t change our plans significantly.</p>
<p>As ever, research, research &amp; more research.  </p>
<p>The information IS out there, it&#8217;s just that we have to look for it and ask the right questions.  Rather than assume someone will come along with the answers to questions we&#8217;ve thought &amp; not asked.  </p>
<p>Heck, there were loads of questions we didn&#8217;t know the answers to before we moved &#8211; hence writing the book <img src='http://avalonsguide.com/wordpressing/wp-includes/images/smilies/icon_wink.gif' alt=';)' class='wp-smiley' /> </p>
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		<title>By: Avalon</title>
		<link>http://www.avalonsguide.com/anab/2010/01/how-many-migrants-leave-new-zealand/comment-page-1/#comment-6373</link>
		<dc:creator>Avalon</dc:creator>
		<pubDate>Wed, 20 Jan 2010 17:27:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=1923#comment-6373</guid>
		<description>Hello Maria :)

&lt;blockquote&gt;&lt;em&gt;But then, once you go to WINZ to claim your pension, it turns out that your overseas state pension is counted against your NZ pension entitlement, even if you paid mandatory individual contributions into your overseas pension fund, so it’s at least partly your own money set aside for retirement. Too bad it went into a government-administered pension scheme, not into a private investment fund run by, say, a bank.&lt;/em&gt;&lt;/blockquote&gt;

Theres a full chapter on what happens to your state pension in Avalon&#039;s Guide ;)

Ive spent about 4 years now trying to warn people that you cannot claim 2 state 
pensions :) (Which means its not worth paying into the UK scheme once you emigrate here)

Hint - people thinking of emigrating to New Zealand should buy my book - then they would know stuff like this and not get a shock :)</description>
		<content:encoded><![CDATA[<p>Hello Maria <img src='http://avalonsguide.com/wordpressing/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
<blockquote><p><em>But then, once you go to WINZ to claim your pension, it turns out that your overseas state pension is counted against your NZ pension entitlement, even if you paid mandatory individual contributions into your overseas pension fund, so it’s at least partly your own money set aside for retirement. Too bad it went into a government-administered pension scheme, not into a private investment fund run by, say, a bank.</em></p></blockquote>
<p>Theres a full chapter on what happens to your state pension in Avalon&#8217;s Guide <img src='http://avalonsguide.com/wordpressing/wp-includes/images/smilies/icon_wink.gif' alt=';)' class='wp-smiley' /> </p>
<p>Ive spent about 4 years now trying to warn people that you cannot claim 2 state<br />
pensions <img src='http://avalonsguide.com/wordpressing/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' />  (Which means its not worth paying into the UK scheme once you emigrate here)</p>
<p>Hint &#8211; people thinking of emigrating to New Zealand should buy my book &#8211; then they would know stuff like this and not get a shock <img src='http://avalonsguide.com/wordpressing/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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		<title>By: maria</title>
		<link>http://www.avalonsguide.com/anab/2010/01/how-many-migrants-leave-new-zealand/comment-page-1/#comment-6367</link>
		<dc:creator>maria</dc:creator>
		<pubDate>Wed, 20 Jan 2010 12:28:32 +0000</pubDate>
		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=1923#comment-6367</guid>
		<description>&lt;em&gt;
&lt;blockquote&gt;:… that people do their 2 years to get their IRRV and then bugger off to earn some real money so they can then fleece the free education system and wonderful healthcare and retirement system. &lt;/blockquote&gt;&lt;/em&gt;



Oh yes, the wonderful NZ retirement system. Not means tested and just requiring you to fulfil the age and residency requirement. So you thought. 

Just imagine: Your spouse, maybe a born and bred Kiwi who has worked and paid taxes all their life, gets penalised for having married the wrong partner: one who receives a good overseas pension rather than having never worked, never paid into a retirement scheme, but has come to NZ with empty pockets to collect taxpayer-funded NZ Super. 
</description>
		<content:encoded><![CDATA[<p><em></p>
<blockquote><p>:… that people do their 2 years to get their IRRV and then bugger off to earn some real money so they can then fleece the free education system and wonderful healthcare and retirement system. </p></blockquote>
<p></em></p>
<p>Oh yes, the wonderful NZ retirement system. Not means tested and just requiring you to fulfil the age and residency requirement. So you thought. </p>
<p>Just imagine: Your spouse, maybe a born and bred Kiwi who has worked and paid taxes all their life, gets penalised for having married the wrong partner: one who receives a good overseas pension rather than having never worked, never paid into a retirement scheme, but has come to NZ with empty pockets to collect taxpayer-funded NZ Super.</p>
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		<title>By: Hubby</title>
		<link>http://www.avalonsguide.com/anab/2010/01/how-many-migrants-leave-new-zealand/comment-page-1/#comment-6359</link>
		<dc:creator>Hubby</dc:creator>
		<pubDate>Wed, 20 Jan 2010 07:49:41 +0000</pubDate>
		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=1923#comment-6359</guid>
		<description>I think it says something quite sad when Somalia is in the top ten.  Irrespective of the numbers, Somalia consistently comes in the bottom 2 or 3 countries in terms of quality of life, safety, desirability to live, peace etc.  

That there is something which means people would return to Somalia, I&#039;m assuming willingly rather than being deported, says it&#039;s not always the life style and Kiwi society that is enough to keep people here.</description>
		<content:encoded><![CDATA[<p>I think it says something quite sad when Somalia is in the top ten.  Irrespective of the numbers, Somalia consistently comes in the bottom 2 or 3 countries in terms of quality of life, safety, desirability to live, peace etc.  </p>
<p>That there is something which means people would return to Somalia, I&#8217;m assuming willingly rather than being deported, says it&#8217;s not always the life style and Kiwi society that is enough to keep people here.</p>
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		<title>By: Hubby</title>
		<link>http://www.avalonsguide.com/anab/2010/01/how-many-migrants-leave-new-zealand/comment-page-1/#comment-6345</link>
		<dc:creator>Hubby</dc:creator>
		<pubDate>Tue, 19 Jan 2010 22:26:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=1923#comment-6345</guid>
		<description>cough *bs* cough
I thought I was reading the latest rousing speech from Winston Peters - but no! the mis-informed commentary is from &#039;advisers&#039;.

So;

&quot;A Fifth of immigrants return over sea&#039;s showing a lack of commitment to NZ.&quot;  hmm, with approx 1,000,000 kiwi&#039;s living abroad, that shows that ~25% of NZ born people have no commitment here either.  So on balance, Immigrants are more committed to NZ than the native population.

With relatively low wages here, many Kiwi&#039;s know they are better off oversea&#039;s.  And only go for &#039;personal gain&#039;.  So lets cancel their passports as they leave the country, then they have to prove their commitment if they want to come back and use NZ as a retirement option, or use the social benefits that tax payers have funded for years while they were abroad.  Or perhaps lets just double tax them, they have to pay NZ taxes on their income on top of resident taxes in the country they are working in.  That&#039;ll surely show someone&#039;s commitment to NZ by paying double tax! 

&quot;migrants coming here for a free education&quot; - well;
1. it ain&#039;t free!  Look at all those &#039;voluntary contributions&#039; schools charge.
2. As it happens, the vast majority of potential migrants decide not to move country anywhere, because their kids are at a crucial stage in their education.  i.e. Advanced Exams at 18, prep for exams at 17, Basic exams at 16, prep for exams at 14&amp;15, Moving schools at 13, all the way through to about to start school at 5 - you get the picture.  And that&#039;s before you consider the needs of children a couple of years behind or in front of the sibling being thought about.

Anyhow, this kind of crap just makes my blood boil!  &#039;advisers&#039; here are stoking something for some purpose.. I&#039;m just not sure what it is.</description>
		<content:encoded><![CDATA[<p>cough *bs* cough<br />
I thought I was reading the latest rousing speech from Winston Peters &#8211; but no! the mis-informed commentary is from &#8216;advisers&#8217;.</p>
<p>So;</p>
<p>&#8220;A Fifth of immigrants return over sea&#8217;s showing a lack of commitment to NZ.&#8221;  hmm, with approx 1,000,000 kiwi&#8217;s living abroad, that shows that ~25% of NZ born people have no commitment here either.  So on balance, Immigrants are more committed to NZ than the native population.</p>
<p>With relatively low wages here, many Kiwi&#8217;s know they are better off oversea&#8217;s.  And only go for &#8216;personal gain&#8217;.  So lets cancel their passports as they leave the country, then they have to prove their commitment if they want to come back and use NZ as a retirement option, or use the social benefits that tax payers have funded for years while they were abroad.  Or perhaps lets just double tax them, they have to pay NZ taxes on their income on top of resident taxes in the country they are working in.  That&#8217;ll surely show someone&#8217;s commitment to NZ by paying double tax! </p>
<p>&#8220;migrants coming here for a free education&#8221; &#8211; well;<br />
1. it ain&#8217;t free!  Look at all those &#8216;voluntary contributions&#8217; schools charge.<br />
2. As it happens, the vast majority of potential migrants decide not to move country anywhere, because their kids are at a crucial stage in their education.  i.e. Advanced Exams at 18, prep for exams at 17, Basic exams at 16, prep for exams at 14&amp;15, Moving schools at 13, all the way through to about to start school at 5 &#8211; you get the picture.  And that&#8217;s before you consider the needs of children a couple of years behind or in front of the sibling being thought about.</p>
<p>Anyhow, this kind of crap just makes my blood boil!  &#8216;advisers&#8217; here are stoking something for some purpose.. I&#8217;m just not sure what it is.</p>
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