General Medical issues thread

[JohnK]

She can transfer it. It just won't be helpful in improving her financial position, at all. And a will in place does not avoid tax.

Hopefully my daughter can end up with the whole house without stupid, ludicrous taxes. That's what we have to avoid at all costs.

@Quickstatus I think you're right. It looks like they will be organising respite care for dad and the cost is 85% of pension. I may be totally mistaken but I think dad would be entitled to 63 days respite care per year.

 

[Quickstatus]

think dad would be entitled to 63 days respite care per year.

That is correct

 

[JohnM]

Well one of the wealthy Americans on Silversea cruises had a full time carer and was wheelchair bound. Sometimes the carer was a nurse and sometimes her niece. We met them on an Expedition cruise up the west coast of Africa. The crew carried her into the zodiacs and her wheelchair came with her. She even got to see a pygmy village which was on her bucket list. She died on board 2 days after we left the ship in Accra, Ghana. She was 95.

Was she buried at sea?

I think that would have completed the story.

 

[drron]

Was she buried at sea?

I think that would have completed the story.

I don't think she was but not sure. The Silversea ships at least back then had a mortuary.

 

[tgh]

an elegant way to vacate…. sewn up in canvas with a cannon ball and dropped over the side.. even the old (never say no) Silversea could not have managed that..

 

[OZDUCK]

A less elegant way to go is to die on a Japanese Long Line Tuna boat. You get put into the freezer hold alongside the Tuna.

I visited one of them in Fremantle in an official capacity while the state police were trying to work out if they could conduct a murder investigation after a crewmember was stabbed in an onboard fight. The short answer is that the WA Police had no jurisdiction over a death that occurred on a Foreign Flagged vessel in international waters despite its next port being in Australia.

 

[Quickstatus]

The short answer is that the WA Police had no jurisdiction over a death that occurred on a Foreign Flagged vessel in international waters despite its next port being in Australia.

The longer answer (see Jurisdictions at Sea Parliament of Australia) is that primary jurisdiction lies with the Flag State altough there might be a valid concurrent jurisdiction such as Next Port Jurisdiction. It is very complex to be sure

 

[OZDUCK]

The longer answer (see Jurisdictions at Sea Parliament of Australia) is that primary jurisdiction lies with the Flag State altough there might be a valid concurrent jurisdiction such as Next Port Jurisdiction. It is very complex to be sure

View attachment 484692

I followed the 'paper trail' on the relevant legislation for WA. The current Crimes at Sea Act was introduced in 2000 to replace the Crimes (Offences at Sea) Act 1979 which whose purpose, according to AI summary, was - "The Crimes (Offences at Sea) Act 1979 (and similar State Acts like Western Australia's) was significant Australian legislation that extended the criminal laws of Australian States and Territories to offences committed in offshore areas, on Australian ships, or by Australian citizens/residents at sea, filling gaps in jurisdiction. It established a framework for applying local criminal laws to maritime zones and foreign ships, often requiring Attorney-General consent for prosecution"

My experience was in the mid-1970's before this type of legislation was in-force so the 'rules have changed'. But I bet it would be a doozy to implement as you said. Certainly a courageous decision to start prosecution action.

 

[Flashback]

Running out of ideas on what to do about my ankle. Had some not ideal news yesterday, so rather than turning to something not great like I used to, I've substituted that for exercise. I did a HIIT session and then went for a long run. Ankle has been throbbing since.

The exercises from the physio haven't helped and I'm still waiting for my spot in the queue with the referral ortho. Short of not exercising (for various reasons I don't see that as an option), what else should I be exploring?

In any case, I'd rather the constant pain than going back to what I used to do (3 months today, btw).

 

[prozac]

I followed the 'paper trail' on the relevant legislation for WA. The current Crimes at Sea Act was introduced in 2000 to replace the Crimes (Offences at Sea) Act 1979 which whose purpose, according to AI summary, was - "The Crimes (Offences at Sea) Act 1979 (and similar State Acts like Western Australia's) was significant Australian legislation that extended the criminal laws of Australian States and Territories to offences committed in offshore areas, on Australian ships, or by Australian citizens/residents at sea, filling gaps in jurisdiction. It established a framework for applying local criminal laws to maritime zones and foreign ships, often requiring Attorney-General consent for prosecution"

My experience was in the mid-1970's before this type of legislation was in-force so the 'rules have changed'. But I bet it would be a doozy to implement as you said. Certainly a courageous decision to start prosecution action.

I bet the crew didn't let that fella have the knife again. At sea there is not always a body to freeze. Many disputes result in the victim going over the side. The first anyone knows anything is amiss is when they do not front up for their next watch. Not unheard of even on the Australian coast.

 

[Pushka]

Running out of ideas on what to do about my ankle. Had some not ideal news yesterday, so rather than turning to something not great like I used to, I've substituted that for exercise. I did a HIIT session and then went for a long run. Ankle has been throbbing since.

The exercises from the physio haven't helped and I'm still waiting for my spot in the queue with the referral ortho. Short of not exercising (for various reasons I don't see that as an option), what else should I be exploring?

In any case, I'd rather the constant pain than going back to what I used to do (3 months today, btw).

Maybe you never gave it a chance to recover? Maybe swimming is better than running for the moment.

 

[tgh]

the constant pain

Pain is simply a messaging app..something is inflamed , your body (and the medico's) want you to lie down.. easy...
I choose a middle ground, seeking a repair reaction with constant light loading while avoiding enough stress load to avoid more inflammation.
Training high performance nags taught me that micro stress to injuries builds fast repairs and strengthens the injury site, works for me too

 

[RooFlyer]

SMSF have to pay capital gains tax too. Anything that grows is taxed in super.

Not when you’re retired or put properly, in pension phase.

 

[Pushka]

Not when you’re retired or put properly, in pension phase.

Yes. But that isn't called or known as Super. It has a name like Pension. In an SMSF the Super account is separated out financially and operationally from the Pension Account just like industry funds do as well. They are different entities with completely different tax regimes.

 

[RooFlyer]

Yes. But that isn't called or known as Super. It has a name like Pension. In an SMSF the Super account is separated out financially and operationally from the Pension Account just like industry funds do as well. They are different entities with completely different tax regimes.

Not with me ... maybe I'm doing it wrong, so don't tell the taxman. I put shares etc into my SMSF 20 years ago. Retired; SMSF in 'pension phase'. Sell shares and no CGT.

Maybe the accountant waved some magic that I didn't realise but there is one account from which I sell stuff to live on and I don't pay any tax.

 

[Pushka]

Not with me ... maybe I'm doing it wrong, so don't tell the taxman. I put shares etc into my SMSF 20 years ago. Retired; SMSF in 'pension phase'. Sell shares and no CGT.

Maybe the accountant waved some magic that I didn't realise but there is one account from which I sell stuff to live on and I don't pay any tax.

Yep. The accountant is doing it or has done it behind the scenes. And yes, no tax in pension phase as previously stated.

Perhaps if you are no longer personally or through SG contributing to your super accumulation fund then that account has been 'finalised' for taxation purposes so it's not as obvious. If you do receive SG etc, then the SMSF will have set up via the accountant, an internal allocation stream. A fund in pension phase can't receive new contributions even in SMSF so they would go into the internally separate accumulation fund. We still receive SG so we have two separate accounts with Aust Super so the super fund (accumulation fund) account receives those SG payments and pays taxes, whilst we have had to create a separate income stream (pension account) that pays us each fortnight and no tax. It cannot receive SG payments. It cannot be added to by us. It can only grow organically. This isn't an Aust Super fund requirement but an Australian Govt one so tax records are correct for both super accumulation and pension accounts.

 

[prozac]

Yep. The accountant is doing it or has done it behind the scenes. And yes, no tax in pension phase as previously stated.

Perhaps if you are no longer personally or through SG contributing to your super accumulation fund then that account has been 'finalised' for taxation purposes so it's not as obvious. If you do receive SG etc, then the SMSF will have set up via the accountant, an internal allocation stream. A fund in pension phase can't receive new contributions even in SMSF so they would go into the internally separate accumulation fund. We still receive SG so we have two separate accounts with Aust Super so the super fund (accumulation fund) account receives those SG payments and pays taxes, whilst we have had to create a separate income stream (pension account) that pays us each fortnight and no tax. It cannot receive SG payments. It cannot be added to by us. It can only grow organically. This isn't an Aust Super fund requirement but an Australian Govt one so tax records are correct for both super accumulation and pension accounts.

My SMSF is in pension mode and is still called the Prozac Super Fund and accounts lodged each year. I am forced to take out a minimum pension amount, I think around 4%. I also still contribute to the fund bank account to mitigate personal tax and this contribution is taxed. Excuse any lack of terms but you should get the gist.

 

[mrsterryn]

@prozac how is Mrs Prozac going with the trial ?

 

[prozac]

@prozac how is Mrs Prozac going with the trial ?

We were back on Monday for a small cognitive test and bloods, return the tablet diary and receive a new one, etc.. Back again next Wednesday for a bigger battery of tests. She told me she was not able to answer what she had for breakfast. I asked her something from a few days ago and she answered immediately. Memory is not consistent.
they tell us she will be on an extension trial when the initial trial is over next August. The extension is 6 months and during that time particpants will receive the actual drug irrespective of being on the drug or the placebo during the initial phase. I like the concept of this drug better than the one currently on the market which is susposed to reduce deposit of Amyloid. Apart from the $4.5k monthly cost there are significant side effects. This one (not yet approved by TGA) aims to reduce deposit of p-tau (the other suspect brain protien) and it does so by reducing inflammation by reducing the level of cortisol. Side effects are minimal. I hope it works.
Thanks for asking @mrsterryn

 

[Pushka]

My SMSF is in pension mode and is still called the Prozac Super Fund and accounts lodged each year. I am forced to take out a minimum pension amount, I think around 4%. I also still contribute to the fund bank account to mitigate personal tax and this contribution is taxed. Excuse any lack of terms but you should get the gist.

Yes but behind the scenes your accountant has quarantined the accumulation fund from the pension fund. They have to or they can’t account for the two different tax regimes in both.

We were back on Monday for a small cognitive test and bloods, return the tablet diary and receive a new one, etc.. Back again next Wednesday for a bigger battery of tests. She told me she was not able to answer what she had for breakfast. I asked her something from a few days ago and she answered immediately. Memory is not consistent.
they tell us she will be on an extension trial when the initial trial is over next August. The extension is 6 months and during that time particpants will receive the actual drug irrespective of being on the drug or the placebo during the initial phase. I like the concept of this drug better than the one currently on the market which is susposed to reduce deposit of Amyloid. Apart from the $4.5k monthly cost there are significant side effects. This one (not yet approved by TGA) aims to reduce deposit of p-tau (the other suspect brain protien) and it does so by reducing inflammation by reducing the level of cortisol. Side effects are minimal. I hope it works.
Thanks for asking @mrsterryn

That sounds like they expect good results from the drug itself. Short term versus long term memories are differently processed.