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老婆是CPA

staples 发表于 2015-2-3 00:53
学霸征婚帖…学渣绕道吧

书呆子在我看来是褒义词--多谢 我照收了!!

每个人的教育跟经历不同 对事情的理解也不同 看问题的重点也不同 我也能理解:)

结合了你的回帖和楼主的回帖 我明白了一件事情 同时给心怀不轨的tz们提个醒：

题解出来了才有资格 学渣洗洗睡吧

kaien123456

你把问题复杂化了。

车价不是问题，你可以自己去和dealer谈价，然后把合同交给nl公司来做。

至于其他的，等到确定了具体的车型和里程数据后，nl公司会给一个详细的清单，基本就是两大块：
一、车价，其中包含了nl公司收的利息，把这个和你自己现金买车的价钱比较一下，算个差值出来，两边都别忘了算利息。
二、营运费用，这块就简单的算一下你能省多少gst和所得税。

然后两边比一比，是否划算就可以了。

tianyudi

kawara 发表于 2015-1-30 23:39
特定行业有。我知道医院工作的人有，每年可以ss一万元左右，基本干啥都行， ...

不是9000，准确讲是9095.其他还有meal 和其他住宿免税（不限金额），不同的管理公司管理不同的医院，所以有些许差别，但是9095是一样的。Novated lease是用来购买豪车的，一般的车不划算。

kaien123456

tianyudi 发表于 2015-2-3 08:52
不是9000，准确讲是9095.其他还有meal 和其他住宿免税（不限金额），不同的管理公司管理不同的医院，所以 ...

我觉得正好相反。

nl最划算的应该是买便宜的车，狠命开。这样为了车价支付的利息最少，而营运费用省下的税最多。

LENNY_DONG

kaien123456 发表于 2015-2-3 09:16
我觉得正好相反。

nl最划算的应该是买便宜的车，狠命开。这样为了车价支付的利息最少，而营运费用省下的 ...

正解！

simonwang

Haven't seen this type of post for a long time, I will share my opinion once read everything.

LZ, it seems you are working for QLD Health. As general advice, you can salary package as much Meal Entertainment and Entertainment Facility Leasing on top of the $9,010 private expenses. These two expenses are way more effectively than novated lease in terms of tax saving and reducing your reportable fringe benefits. Having said that, novated lease is still good tool to save tax if you really need to buy a car.

simonwang

harlode 发表于 2015-1-30 22:21
-residual percentage 65%应该是3年后的

65.63% is the residual value of a 1 yr lease. 46.88% if 3 yrs.

http://law.ato.gov.au/atolaw/view.htm?docid=aid/aid20021004/00001

simonwang

chenchun 发表于 2015-2-3 00:37
既然已经salary sacrifice了房贷就不要再加额外的车了……不划算……我是做税务会计的……无数客户来过无数 ...

Totally disagree.

LZ is working for an FBT exempt employer, after salary packaging full cap towards private expenses, she literally becomes an employee for a full FBT employer. Just look at how many government employees (also full FBT) currently salary packaging cars, you will know such conclusion is inappropriate. The only cases where your comments may be correct are for the employees earning roughly around $50k or less.

simonwang

dj-wiso 发表于 2015-1-31 17:09
The benefit of Novated Lease is more substantial on a longer term, normally employees tend to sign a ...

Not really, the residual value of a 1 yr lease is 65.63% so you can pay 34.37% of the value via pre tax income. 56.25% for a 2 yr lease which means you pay 43.75% of the value via pre tax, i.e. 21% per year. Therefore, for tax saving, the shorter term the better and you can always refinance to extend the lease.

xhmax

tianyudi 发表于 2015-2-3 09:52
不是9000，准确讲是9095.其他还有meal 和其他住宿免税（不限金额），不同的管理公司管理不同的医院，所以 ...

不是用来买豪车的，豪华车有奢侈税，一点都不划算。

NL最优的方案就是低车价的车（当然是你喜欢的车最好），且NL公司给你的车价比市价越低越好（你不满意NL的车价可以自己跟dealer谈，谈好了让NL公司做NL也是可以的），这样减去GST之后，买车的价钱可以很低。这么做的原因是，NL方案税后支付的总是车价的20%，以此来抵销FBT liability. 其他的Running costs所有车都几乎差不多的，所有的这些都是可以用税前工资来支付的。既然是税前支付，当然是税率越高越划算，省的就越多。楼主的八万五是基本工资，没有算上加班的OT工资，实际省下的是更多的。另外salary sacrifice不是没有代价的，那$9095可以pack任何东西，雇主给你支付了FBT的税，但年底报税时这9095是按17000的收入算入的。

NL选车的另一个条件是一年之后车的残值高，也就是保值的车。所以，就是日本车了。

满足以上两个条件，NL可以给你省下一点。省着一点是一点。

码了这么多字，觉得有用的同学给点浮云

xhmax

你算来算去不划算的原因就是NL公司给你的车价不好，只要有好车价，就是划算的。而且你买车的价格是不用支付GST的。再打个九折。

simonwang

kaien123456 发表于 2015-2-3 10:16
我觉得正好相反。

nl最划算的应该是买便宜的车，狠命开。这样为了车价支付的利息最少，而营运费用省下的 ...

This is a fake argument which sounds correct but meaningless.

When you choose a novated lease, it is no use at all thinking if I earn more I can save more tax, or if I get a cheaper car I can save more tax. You have a fixed income at the time of decision, not more not less. A certain car is also in your mind, changing a cheaper car may not suit your need. You don't just novate for the sake of saving tax.

The comparison should be, given the current salary and a car of my choice, which way of financing will leave me more take home pay: novated lease or normal finance.

lubber

xhmax

simonwang 发表于 2015-2-3 11:35
This is a fake argument which sounds correct but meaningless.

When you choose a novated lease, i ...

可以给我算一下实际省了多少不，我算得胡里胡涂的，应该有省，不知省了多少。

Base salary 112000
employer got 50% benefit

FAX

很喜欢这种分析，但是结果其实还是因人而异。

p.s. 楼主这样的女孩,single太不应该了

Sammy

有机会好好研究NL这个东西.不知道能否对tax有帮助.

tvc889

xhmax 发表于 2015-2-3 12:01
可以给我算一下实际省了多少不，我算得胡里胡涂的，应该有省，不知省了多少。

Base salary 112000

雇主够黑的，tax savings还要拿一半。

VictorOZ

楼主还要考虑有无finance对保险价格的影响 一般有finance的会贵点

方言

求正面清晰无遮照

xsaturn

一年的REGO+INSURANCE+EXTRA+fuel==665+600+130+1300=2695--税后就是2695*0.675=1819.2
半年的REGO+insurance+extra+fuel=就算2695/2=1347.5--税后


这就算错了吧，Novated Lease的保险邮费rego什么的都包括在一年要付的钱里了，你算了两遍。
其他的不论，光把这部分减掉，你就省钱了。

dj-wiso

xhmax 发表于 2015-2-3 12:01
可以给我算一下实际省了多少不，我算得胡里胡涂的，应该有省，不知省了多少。

Base salary 112000

Within the NSW public health system, Maxxia is one of the least recommended Novated Leasing companies...

xhmax

dj-wiso 发表于 2015-2-3 20:40
Within the NSW public health system, Maxxia is one of the least recommended Novated Leasing compan ...

why?

jasmin34

沧海一粟a 发表于 2015-2-2 23:01
你这个价格是maxx价格？

当然是 您以为呢
我觉得可以砍下 24000

dj-wiso

xhmax 发表于 2015-2-3 20:46
why?

Maxxia的前生是McMillan Shakespear，那个时候有些区域的卫生部门outsource 了他们公司提供的salary packaging service, 付出了庞大的支出，得到的服务确实非常糟糕，经常把客户（也就是医生和护士）的salary packaging arrangement 弄得一团糟。后来区域的卫生部门不得不开始了自己internal 的salary packaging service.
McMillan Shakespear的名声一落千丈，不得不换成了Maxxia. Maxxia 一度是Western Sydney LHD 的salary packaging provider (2010-2013), 也是搞得一塌糊涂，从2013年开始Western Sydney 也开始了自己的Salary packaging service. 所以现在除非员工自己一定要选择Maxxia, salary packaging team 不会推荐他们，更有一些的会强迫员工换到自己Approve 的Novated Leasing company.
最近几年Smart Salary 倒是脱颖而出了，他们创造了一个statewide 的salary packaging software,现在的业绩不错。

dj-wiso

xhmax 发表于 2015-2-3 20:46
why?

Novated leasing company 所拿到的quote 其实都差不多的，成败就是在以后的服务上，一旦碰到了问题，跟他们打电话，售后服务到底怎样？是不是允许你自己买全包？petrol card 可以给几个汽油公司的？一个区域卫生部门转到另一个是否需要很多paperwork? 一旦Novated Leasing 结束了，多久才能拿回你的Surplus？是不是会派一个case officer 专门来处理你的疑问？
当然这些都是在卫生部门碰到的一些事，private sector的可能选择更多一些。

xhmax

dj-wiso 发表于 2015-2-3 21:53
Maxxia的前生是McMillan Shakespear，那个时候有些区域的卫生部门outsource 了他们公司提供的salary pack ...

哇，这么多历史！我还以为所有的salary packaging都是弄得一蹋糊涂的。包括现在的internal.
这不能怪他们，都是蠢人做事，有什么办法，久了就都习惯了，弄得好了反而意外了。

xhmax

dj-wiso 发表于 2015-2-3 22:04
Novated leasing company 所拿到的quote 其实都差不多的，成败就是在以后的服务上，一旦碰到了问题，跟他 ...

quote差得挺多的呢，好像SG FLEET这种，直接报个官方价，我都懒得理它了。maxxia开始报的价就已经最低，所以才选了他。
我们只有四个公司可以选，maxxia, sg fleet, epac, lease plus. smart salary不在其中的。smart salary在VIC的时候用过，还行。

MAXXIA至少在现在还没有什么complian的，油卡给了Shell和bp. 其他的暂时还没遇到问题。希望顺利，第一次做的NL.

totore

simonwang 发表于 2015-2-3 11:35
This is a fake argument which sounds correct but meaningless.

When you choose a novated lease, i ...

Thanks for ur insightful n informative entries
the purpose of my thread is trying to increase people's awareness in terms of using Novated lease, as it claims significant effect on 'taking home pay'.  It is true, however, this result may be only applicable when making a contrast between 'financing ur car' and 'novated leasing ur car' and this result could be contradicting, especially under circumstance such as cash buying

I am not here to reach a very generalized conclusion whether it's a good deal of Novated lease or not (if that's what ppl expect--then, my answer would be a disappointing NO..a big no no)

ppl need to work out their own figures by taking consideration of pre-tax earning, other tax deduction benefits, running cost and the length of planned lease etc etc---it involves a fair bit amount of calculation and the result could be different by bringing in different variables I just mentioned above

It's true that there is so much inaccurate information flying around about Novated lease, most colleagues I have talked to thought it's an awesome idea to use Novated Lease. Unfortunately, this wrong ideation could be reinforced because there are so many incompetent accountants/financial advisers around as well(or they just dont care)--some of them only tell u a very generalised conclusion rather doing  individualized calculation for u without specific asking.

totore

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totore

The conclusion: you need to make your own efforts in calculating ur own business