It's so wild to me that in the states they say you're not an adult until 21 and therefore prohibited from consuming alcohol, but yes by all means go ahead and jump in a death trap and go 80mph on the freeway at 16 or take out a $100k student loan at 18.
better yet you can have guns and join the military before 18 too i believe the age is 16 for joining the military but im Australian so i dont know that for sure but one of my American friends was given an automatic rifle at 5 so you know priorities
University used to be free in Australia! A well educated & healthy society is a productive society. Now it costs a fortune! Oh, on the issue of food there are lots of things in the US which are simply banned here due to their toxic ingredients.
When I finished high school, you had to pay full fees for a uni education. This was changed in the 70's. I went to uni later, where my employer reimbursed me when I passed each semester. So no debt per se, just an outlay, them reimbursement.
In Australia a sick person at work risks taking the whole workforce out by sharing the illness, thus it is preferred they stay away until they are non-toxic/contagious to others.
AND we have Medicare. Australia wide health care. We are so lucky here. No matter what you do or who you are, all of our citizens have access to free health care
@@ruthsingle-su9heour healthcare is no longer “free” it costs on average $120 to see a GP due to Medicare being largely underfunded for a decade under the Libs.
sure and thats what we were told when i worked as a mechanic for a big dealership, better to stay away than get everyone sick. then you get a cold and call in sick and the reception is definately not happy or in any way reflects the advice previously given. guess how i caught the bug in the first place.
@@mariedouglas4650 its worse than you said - its free for the bludgers who pay nothing, and its not paid for by the rich who 99% have private healthcare. the only ppl paying for healthcare are the working class. and bulk billing really sint a thing anymore, so we then pay the gap.
@@trevorcook4439 No. we mght have been once, just like the USA was...ONCE, we are now really an independent identity with links to both th UK and the USA but totally a different people than either of them.
To explain the L & P Plate system better (this is the rules in NSW anyway, other states may differ slightly) L plates - can get at 16, must display yellow "L plates" on front and rear of vehicle, must hold for minimum 12 months and must have a fully licensed driver in passenger seat and must log a minimum of 120 hours before getting provisional 1 licence (red P plates), zero alcohol limit, max speed 90km. Red P plates - can get at 17 providing you've held your L's for 12 months and logged 120 hours and passed the driving test, must display red "P plates" on front and rear of vehicle, only have 4 demerit points, cannot drive a vehicle with more than 130kw per tonne, zero alcohol limit, max speed 90 km, only one passenger under 21 between 11pm and 5am (immediate family doesn't count), can only drive auto if you completed your driving test in an auto, must hold for 12 months before before getting Provisional 2 licence (green P's) Green P plates - can get at 18 providing you've held red P's for 12 months, must display green "P plates" on front and rear of vehicle, have 7 demerit points, must hold for 2 years before getting full licence, zero alcohol limit, can't drive vehicle with over 130KW per tonne, max speed 100km Full licence - can get at 20 providing you've held green P's for 2 years, 0.05 Blood alcohol limit, 13 demerit points So basically it only takes a minimum of 12 months to be off your "learners" and be able to drive without supervision of a fully licensed driver however you will have restrictions for a further minimum of 3 years as it takes Minimum 4 years to get your full licence. If you get your L's at 16 and hold for 12 months and log all your hours, get you red P's at 17 hold for 12 months then get your green P's at 18 and hold for 2 years you will get your full licence at 20, also any time your license is suspended doesn't count off your minimum term to progress to the next licence. Also one thing worth mentioning and it kind of annoys me is if anyone coming to Australia from overseas holds a drivers licence from a country that is considered an "international drivers license" they go straight to full licence regardless of age or how long they've held a license.
I’m glad that my 17yr daughter is on her L’s in QLD and doesn’t have speed limit restrictions like NSW as long as she drives to the signed speed limit posted she can. Even in NSW.
Yeah, they should really be on a provisional licence for a year, even if it's just to get used to the road conditions and rules. Many drivers for non-English speaking countries have problems even reading the road signs and then drive like they are still in their home country. And yet, once they have passed the written test and done enough to pass a 15 minute practical test they are right to drive at 110km/h. Having said that, when I got my licence, I could get my L's at 16 yrs and 9 months, get my P's at 17 and my full licence 12 months later, no such thing as green P's. Oh and no log books either.
The thing about HECS is that while there is no interest, there is indexation. Our loans are indexed for the entire financial year based on inflation; this year's indexation rate is 4.8%. This means if you have an average salary of $60,000 and an average HECS debt of $24,711, you'll have paid back around $1,200 towards your debt, but the debt would have increased by $1,177. You will have effectively only paid back $23 of debt. Dr Monique Ryan, an independent member of parliament in NSW, has started a petition that over 250,000 Australians have signed to ask the government to improve this.
while true, the increase in value doesnt mean your repayments increase. i think thats also important to understand, in a system where its based in interest, if you dont pay the interest, then your loan gets bigger exponentially faster. while technically possible with indexation, your repayment amound doesnt force you into debt. if you esrn 60k your repayments are essentially fixed. say after tax you take home 40k, 1k on that is 2.5% of yiur paycheck as opposed to a system where your paying 5k a year and thats mostly intetest, let alone the courses that get you into 200k debt like medical courses. i dont think governments will ever get rid of indexation, since then the point of them paying is kind of moot since inflation slways goes up, the value of that debt goes down. i think theyre more likely to subsidise courses more or even make them free before removing indexation. also note for others that it doesnt exsctly 'come out of your paycheck', its psrt of your tax, even in the states i believe companies have something like our payg where your tax is withheald by uour employer, HECS debt is essentiall part of your tax.
@@Hudpoweryep. I think that's the thing we over look here because we don't realise that in the US you're paying off the interest first and those rates are crazy!! That's why you can still have insane uni debt when you're ready to retire in the US, whereas most people here will have cleared that by their 30s.
It 'was' a % higher than inflation as the automatic payment, so you could not get into the problem that you paid so little in comparison to the debt indexation, but sadly they nerfed that, and now you can be in a bad situation: In your scenario where instead you earn $50k, pay the required 1% {$500) towards your average debt, and you'd be 'going backwards' $677, but reverse that indexation, you'd still have paid $250 off the total, so eventually it will get paid off.. just 2x as long as you'd think.
@@SharlzG your employer withholds additional tax when you reach a certain pay threshold to go towards HECS… you might get some of this back as the employer usually takes more than enough to be safe, but you won’t get all of it back, so yes it can be considered “tax” but it does still come out of your paycheque. whether you really notice it or not will naturally be dependent on your financial situation. also just want to note the cultural/societal difference that in australia parents are much less likely to contribute to their children’s tertiary education fees than in the us. is indexation better than a high-interest loan? yes, of course! but there are other countries who do even better by students than offering indexed loans. thankfully we do have a lot of course subsidies although they are usually for levels under bachelor degrees
It adjusts for inflation, you borrow money not from the goverment but from all Australians and should pay back what you owe! If it didn't adjust for inflation there would never be a reason to pay it back
Bali is the preferred holiday destination for Aussies, close and cheap. We are not allowed to import or use hormones and steroids in food production. We currantly have some of the best farming practices in the world used to grow our food. We are trying to keep foreign and corporate ownership out of farming but it's creeping in. Big business ruins good farming because they are after big profits, rather than quality.
My favourite thing about STRAYA is summed in the chorus of a Seekers song.👇 "We are one, But we are many, And from all the lands on earth we come. We'll share a dream and sing with one voice. I am,you are, we are Australian." *We aren't perfect, but I believe most believe this, which makes me proud.
@ryanreaction licence process in new south Wales Australia 1 year for learner permit which required 40hrs logbook 2 Red P or provisional 1 , for 1 year after learner , 3 Green P or provisional 2 , for 2 years and 6 months After green P , you give test to get full licence
Attended dawn service & commemorated our service men & women, made breakfast for family & friends, hit the pub for 2Up & then sat around with said family & friends chatting about “everything”. Had a great day, hope you did too ✌🏼
@@mjb7015We had the opposite happen in Launceston at the 100th anniversary service. There was a huge flock of them and everyone was silent as the kookaburras called for most of the minute of silence. It was a bit eerie.
The HECS / HELP system is run by the tax office. The employer is required to deduct the funds and it's paid to the tax office along with normal income taxes. The amount of the HECS / HELP tax depends on your income with the start at $50k where you pay an extra 1% tax on your income ($500 annually on $50,000) . It increases to a maximum of 10% extra tax which doesn't start until you earn more than $150k ($15,000 annually). There is no "interest" the loan increases by inflation each year.
the annual inflation linked increase is sort of like an interest rate of sorts and can be high, 2023 was 7% increase … many students have paid down little due to these annual increases …
Here's the real kicker about HECS debts. I completed my diploma of building design in 2017 when the course was 18k, in those 7 years since completing the diploma my HECS debt has increased to 26k, if that's not scary I don't know what is. And the fact that the jobs I've had since then haven't paid high enough to allow me to pay off any of my debt is ridiculous.
There are too many HECS debtors whose debt is growing even though they’re paying regularly. HELP seems to be worse than HECS. Then there are some who just never make a payment because their degree isn’t enough to get a job that pays $40,000+.
As an Australian who has travelled a lot, air travel time doesn’t seem to worry us as much as you guys. Time to Hawaii is around 10 hours. When I travel to Europe I usually fly Emirates which is 14 hours from Sydney, have a break , you can have a shower at the airport, stretch the legs etc before you connect to your flight for your final destination.
Last Friday we drove 3hrs to Sydney to get my sunroof replaced (1hr), then 40mins drive to Taronga Zoo, then after 6hrs we headed home, another 3 1/2 hrs drive, no problem just the average day trip
When I was a tertiary student in the mid 70s, not only was university in Australia free (the Whitlam era), as a student teacher, I qualified for a Studentship. The government actually paid me a decent fortnightly amount during all the years of my tertiary education. My only obligation was to commit to working for the Education Department for a minimum of three years after I graduated.
@@mylesb7360 Yes, it was brilliant but would you believe there were still some students who complained about being tied into three years of working for the Education Department after graduating! These days graduates have to start looking for jobs. Back then a job was guaranteed. True you did have to go wherever you were posted but they were generally pretty reasonable and graduates were usually appointed to schools not far from where they lived. They even had a clause in the contract especially for female teachers - if you married after graduating your commitment to the Education Department was reduced to a single year. Yep, those were the days!
@@jenswalks As a HS student, they should bring this back, especially with the fact we have an entire TEACHER SHORTAGE nowadays because of the kids. It'd entice so many people to actually pursue education.
@@Coooeeeamounts to the same thing. The loan increases in value. You could say the same about a mortgage, part of the interest rate is inflation and part in interest.
One of the reasons that meat tastes different is that US beef, for instance, is corn fed,, so it's flavourless whereas Aussie cows eat grass. Costco sells grain-fed beef and that pretend that it's a good thing.
The probationary license restrictions vary from state to state. The minimum full-time wage in Australia is $47,000 pa. Flying to Hawaii from Sydney takes about 10 hours.
This, as a south Aussie when I was on my P’s I could drive faster than those in Vic and NSW. And believe it or not your rules carry state to state so if I were to drive in Vic or NSW I could still legally go 100km/h* on my P2’s even if their local P2 drivers couldn’t. Though I still strongly believe all road rules and licensing should be national and not state/territory dependant.
@@Tidus0p You better have a good lawyer. You cannot break a state's traffic laws no matter where you got your licence. Your SA licence permits only apply in SA, NOT in any other state.
@@kennethdodemaide8678you’re not breaking rules though, your license restrictions follow you but another state cannot impose their own laws onto your license. So you’re telling me when you got your license you were obligated to learn and pass a test acknowledging all license restrictions per state? - someone who holds a L through to P2 license from one state has to follow their conditions regardless the state they’re in, but they don’t need to learn the conditions of other states conditions and follow them when they cross a border.
@@Tidus0p Your SA licence doesn't give you the right to ignore the laws of other states. They are not imposing anything onto your licence, they are enforcing the laws of that state.
@@kennethdodemaide8678 They aren't technically laws, they are licence restrictions, however, if you are pulled over in a different state to your permit the officers will inform you that in their state L or P drivers stick to X kph limit and you are recommended to stick to that limit so you don't keep getting pulled up. My younger sister found that out recently when she did a 6 month course in Sydney from SA, she wasn't breaking any laws, the officer was clear on that, but if she didn't want to get pulled up regularly, she should try to go by their states restrictions (she was sharing a friends car while there using her SA plated car when driving home for mid semester break).
You also get special leave in Australia. You can use this leave for moving house, going to family funerals, caring for your sick child and for domestic violence etc. This used to be 1 week (not sure now as retired 20 years ago) This leave does not accumulate after each year. Sick leave does however. For instance, I had a knee replacement and I had fully paid sick leave for over 9 weeks. I did work in a government job so not sure whether special leave is available in private businesses. But annual leave, sick leave, paternity and maternity leave, long service leave is universal. I also received study leave for work related university study. And another type of leave is worker’s compensation leave for work related injuries. That is universal but under state legislation so may vary slightly from state to state.
I was off on maternity/accumulated sick/long service at half pay for 15 months. It was great, but I’d been working 10 years+ by then & taken a few sick days when I needed to. Yes, there’s a strong “Don’t come to work if you’re going to infect everyone else!” mentality here. I guess we’re just smarter….
Actually just read an article on top private Australian businesses offering great employee benefits. CBA (Commonwealth Bank Australia) was rated as having the top ranked attractive employee benefits. They offer 5 days life leave per year, along with sorry business leave (for indigenous workers), pet leave and the ability to purchase additional recreation leave as well as regular benefits and also allow employees to set their own hours and days of work as well.
In Australia for full time jobs we get up to 13 public holidays per year depending on which State you live in, 4 weeks paid annual leave which can roll over for short periods but you never lose it. You also get 5 paid sick days in year one of employment and this grows by one day a year until you reach the 10 day maximum. we also get 10.5% superannuation contributions into our retirement funds paid by our employer. Casual jobs. If you work a casual job, you do not get holidays or sick leave but the causal award rate is higher than the full time rate to compensate for this.
After 7 years you can claim long service leave up to 10 weeks paid according to the pay at the moment. After 10 years it goes up to 13 weeks. It is for casuals too. If you get holiday pay the 4 weeks holidays are still every year. You can take a week at a time or save it and have 17 weeks off the year it is due. Some people save it until the retirement or job change. If you work 20 years and want to change careers you have 6 months of time off between jobs.
It’s 9 public holidays in NSW. New Years Day, Australia Day, Good Friday, Easter Monday, Anzac Day, King’s (formerly Queen’s) Birthday, LabourDay, Christmas Day & Boxing Day.
@@reznal It depends on your Award. In NSW Local Government Award it is 15 days for year 1, the 18days per year thereafter for sick leave. Also under Local Government Award, the unused sick leave accumulates and if you resign or retire after 10 yrs, you get 2wks/yr of that unused sick leave paid out.
you can send your children to school and kindergarten in Australia knowing they will not be peppered with bullet holes at school by some shooter AND if a driver is stopped by police in Australia and the officer has a concern that the driver is affected by alcohol the officer in Australia can give the driver an immediate breathalyser test with the proper machine and seconds later the result will confirm if the driver is over the alcohol limit or not. So NO walking a line and NO follow the pen test etc etc. The latter tests take SO LONG and hold up police from catching the next drink driver. Those walk the line tests and follow the pen tests are NOT scientific either. Some people who take NO illicit drugs and NEVER drink any alcohol - BUT can have poor balance as they age.
I would point out that the hand held is used as a basis for follow up testing (its whats in the booze bus). The hand held units can be a bit unreliable when it comes to just picking up on any chemical present on your breath, or if you just happened to have just had a mouthful of booze a few minutes before being tested.
As many have mentioned, HECS/HELP is a tax, and it's index (and considered interest free). If you don't get work withing 5 years of completing a university degree the debt is cancelled (but there is a 7 year cooling off period before applying again at the same level). ATM, HECS/HELP repayments are a problem, because indexation for last year was a little over 4.7%, but one way of rounding says they can round up to 4.8% (even though it's more than 0.5% increase). This indexation amount is above the current rate of indexation also, and was even higher last year when inflation was really hurting. There are calls to shift the indexation calculation, so there is an 'or' calculation for wage growth and the lower of the 2 options is applied.
Most seafood is frozen the moment it’s caught. Getting seafood out of the freezer is getting it about as fresh as it’s going to be short of buying it on a wharf.
The French word “filet” is pronounced “fee-lay” but the English equivalent is “fillet” which is pronounced “fill-it”. McDonald’s “Filet o’ fish” is pronounced “fillet of fish” in Australia because we usually use the English word here, even though it is spelled in the French way on the menus.
I agree with both the above comments. In Oz the word Fillet sounds like Fill it. And add that when I worked at Maccas from 1985 to 1988 in suburban Sydney (Northmead and Carlingford) the back of house name was filet (ie the French pronunciation). We laughed at how fancy we sounded ... "We need a dozen fillAY please team." I guess we can say things both ways, and still be ok. Happy ANZAC day.
@zoe9190 I'm not sure they do have different meanings my friend. A butcher using a knife to fillet a steak is performing fairly similar activity to a fishmonger using a knife to fillet a section of fish. Yes the animal they are cutting will differ in size, but the premise is the same. Cut up the animal into pieces, preferably without too many bones. The pronunciation is a matter of culture and custom. Similar to the word "herb". Some emphasise the h, some don't. It's a preference. Just like some people like seafood, some don't.
In Australia, you begin repaying HECS once you are earning $51,550 now. It is interest free BUT it is indexed on 1/6 each year on the amount owing. Your repayment after you begin earning $51,550, is based on the amount you earn not the amount of your debt. Hope this helps.
yes, so true. Privacy re medical issues should be private and are private in Australia. If your employer turned up at your home on a day you called in sick then your employer could be said to unfairly harassing the person.
@@AnnaAnnaTT I have actually had that happen, but for all the right reasons. I was going through some complex medical issues, taking quite alot of time off. but my employer was pretty understanding about it, didn't like it, but I was worth having when I was there. On this particular day, My dad had been in a car accident, heli-lifted straight into intensive care. my family couldn't get a hold of me (I was sleeping, as your supposed to do when sick), but called my work. My manager then drove half an hour to my place to get me up and personally deliver the news. He didnt have to do that, but Im very glad he did. Dad made it through surgery, full recovery. and my manager got to see that I was indeed totally unfit for work, not just "I dont feel like it today" and playing Xbox. The cherry on top, I was allowed to leave early all the time that Dad was in ICU, so I could see him every day, and given an extra few days leave when he was discharged to take care of him when he returned home. I didnt ask for that, I was told thats what was happening. My Dad wasnt a stranger around our workshop, had done a few cash jobs for us when we needed some extra hands, and my manager had two teenage/almost adult sons. In his opinion, It was more important to take a slight downturn in productivity and take care of your family. Because thats what he would have wanted. weirdly, employees who want to be there do a better job. And this isnt stand alone, Id previously got a txt from a housemate saying "very sick, think im dying". I didnt *ASK* for time off, just stated I need to leave NOW, my friend needs my help. fire me tomorrow. it was a harrowing 24 hours, but she pulled through. pretty scary tho. no dock of pay, no penalty, just concern that they were OK. both of these events were covered under "compassionate leave". Pretty open ended, for dealing with unperceived life problems. A loved one needs my help, and that is more important to me than making you money. no obstacle, just do what needs doing. dont abuse the privilege, but you dont have to worry about loosing your job by doing the right thing.
You’re right about different jobs and how you’re treated. I couldn’t believe the difference between my first graduate job and all the casual jobs I had previously.
You asked if there was interest on the HECS/HELP, the short answer: no. They are indexed by inflation. So, if you have a $10000 loan and CPI is 3%, then your loan will increase to $10,300. And the same is true for negative CPI, it will decrease. So in other words, it's always the amount you borrowed, adjusted for CPI over the time you take to pay it back. It's pretty fair in my opinion, even though I have never used HECS/HELP.
My friend has just finished his chiropractic 5 year university degree and he was telling me the interest on his hex has gone up to $10.000/yr. Its hiked up a lot in the last few years. The uni fees have gone up a huge amount as well. Tafe is better if your degree can be through tafe.
@@Masque54 Yes he does it in a sarcastic way he doesn't give a shit about australia at least we dont have any school shootings in our country its a every day thing in America.
As an Australian I don't know anything about the American student debt but HECS debt in Australia is like a delayed payment plan for university, which sounds great until you realise it's indexed to inflation. So, while there's no interest initially, the debt keeps growing with the cost of living. Repayment only starts once you hit a certain income threshold, but by then, the debt might have ballooned. It's a tricky system meant to ease the burden of student loans, but it's not without its drawbacks. Unfortunately, it's often not explained properly to students, who are typically 16-18 years old when they start uni. Plus, the amount you end up owing depends on the degree you choose.
You mentioned honking your horn at a slow "L" or "P" plate driver... a car horn is categorised a vehicle warning device here in Australia. If you sound your horn for any reason other than to bring attention to a hazard or collision you can be fined, as it is illegal. A "L" or "P" plate driver swerving toward you may warrant a horn blast, but one of them going slow is not generally a hazard unless YOU are speeding and can't stop in time to avoid a collision with them! Car horn = pretty much emergency use only in AU. (All that said I have NEVER seen it enforced. ;p )
When I was in Chicago, I ordered spaghetti marinara small serve, but it arrived heaped on a plate, not even a single seafood I could find. The high crust pizza I have tried as well......topping is also scarce.
I remember when I first saw the portion sizes that the US has and I was shocked. If we accrue too much holiday time they ask you to apply for leave. I am a personal carer/assistant nurse and my course was paid for while I worked. So grateful to live in Australiaaaaa
A person must acquire ~100 hours of driving and pass a driving test to upgrade from a Learners to a Provisional 1 licence (Red Ps). After 12 months of holding a P1 licence, you are automatically upgraded to P2 (Green Ps). After 2 years of a P2 licence it will be upgraded to a full licence after its next renewal. Each state also has different laws and requirements concerning each type of licence. In NSW the maximum speed limit is 90km/h if you do not hold a full licence, however in the ACT, you are allowed to go any signed speed limit. A funny fact is that you only have to follow to the law of the state your licence is registered in, even if you are travelling in another state. For example, I have an ACT registered licence, which means I am legally allowed to go any speed limit when driving in NSW. In comparison, a person with a provisional or learner NSW licence is always capped at 90km/h, no matter where they are and can be fined if caught going over. If a copper happened to pull me over for going over 90 in NSW, I can flash my licence and it's all jazz.
Some of the things that Australia has that aren't often mentioned Leave loading - During annual leave (4-5 weeks) we get our full salary plus 17.5% Long Service Leave - To incentivize workers to stay with a company, they came up with LSL, where for every year worked at a company, an employee gets an extra one and a third weeks holiday. The catch is that if you leave that company before 7 yrs, you get nothing. If you leave between 7-10 yrs you get the cash payout of those yrs. Example, work 8 yrs get cashed out for roughly 10.6 weeks. Once you've passed the 10 year mark though, those 13 weeks of vacation are yours' to do with what you wish, knowing that an extra 1.3 weeks is being added to your LSL for every extra year you stay with that company. Some save it for retirement, work 20 yrs get 26 weeks of salary paid in a lump sum. Some cash it out as they get it, as a little yearly bonus, some use it for an extra long holiday, 13 weeks plus 5 weeks annual makes a nice long vacation. And some cash out some and add a couple of weeks to their vacation every few years. I think the only restriction on using LSL is that the minimum that you can use at a time is 2 weeks.
A couple of things, not every job offers leave loading, it’s only normally unionised jobs that get regular overtime, if you are on salary and get leave loading count yourself lucky. Cashing out your long service leave is illegal in all states, you can use it first then retire, you can have it paid out in a lump sum when you retire, you can even claim it if you are in the construction industry between jobs, but you can not claim it as a year end bonus and continue to work the next day in the same job.
4:40, rules differ in different states and territories for the green p or times but I can answer the speed difference rule. People on their l’s or p plates can’t go over 100kph, while others can go up to 110kph
We don't technically have interest on our HECS debts, but they do increase by CPI. It is quote annoying that someone doing an apprenticeship will have their tuition paid by the employer and the gov so they won't have a debt when they graduate , meanwhile allied health like nurses, parameds etc will end up with a $40k+ debt. We don't repay it until we're making that income, but the amount you owe isn't frozen at the amount you borrowed.
@partymanau more than most uni students and you get a tool allowance. Still insane how an automechanic can have their thousands in tuition paid for, and yet someone who saves people's lives is left with $40k+ in debt after poaging thousands for their textbooks and placements.
The path from L plates to P plates is actually regulated by the states and as such can take longer than two years in some places in Australia. For instance, in South Australia for under 25s, you must hold your Learner's Permit (yellow plate, black L) for 12 months before you're eligible to sit for your P1s (white plate, red P), which you then must hold for another full year before then sitting for your P2s (no plate required) which last for two years before you can apply for your full driver's license. That's a minimum of four years, so most South Aussies born in the new millennium won't have their full license until they are at least 20 years old.
With the licence, you can get your learners permit at 16 red P plates at 18 and you are on red plates for 1 year and green plates for 3 years before you are fully licensed. It does vary with the change in rules for P plates depending on what state or territory your are in
Each state has slightly different learner driver rules, and they change in some aspects over time as well. Currently in WA, once you pass your test to be off L plates, you transition to red P plates, which you are on for six months, and then you're onto green for 18 months. Red P plates have a 12am-5am restriction, where you are not allowed to be out on the roads during that time. Only in the past couple of months has the law been changed to restrict passengers (family exempted) for red P platers. Other than that, once you hit your green P plates most if not all restrictions are lifted and you just need to obey road rules. There's no speed restriction on P plates in WA, speed is only limited when you are on your L plates, and that speed is limited to 100kph. Standard freeway/highway speeds for metro areas, so you're not likely to feel the restriction unless you go for long drives outside the city or live out in a remote country town. Even then, you're only being forced to go 10kph under, so it's not a huge deal.
I am in Australia, 48 and still have a HECS (Higher Education Contribution Scheme) debt. I paid off a small amount at one job, but since then I haven't earned enough to pay it back. And yes it has interest. Mine has gone up a lot!
Same - I'll be 47 in June. I graduated from my Undergrad back in 2007. I've only managed to get work above the threshold for one of those years since graduating! And that was because I was working full time as a Security Guard for Hotel Quarantine due to Covid!! The little I paid back has been swallowed up by the indexation interest, so it feels like it's never going to get paid off and the year I did pay some off was a waste.
@@belindaweber7999wait you are complaining that your loan is maintaining its value in regards to inflation while being a loan you dont have to pay back unless you earn enough? Sounds like a good deal to me. If you borrowed 20K in the 90s it would be the equivalent of around 10K in today's dollars. Making it much easier to pay off if you just wait longer. Does that make sense? the interest/inflation on hecs just maintains its value.
One of the most useful aspects of the P-plate system is that it warns other drivers that the P-plater is a beginner. This means you rather expect them to do something stupid, so you stay alert to them and a bit wary. You can also forgive them more easily if they make a mistake.
Long winded! "L" plate drivers must display the plates at all times, drive under 90kms ph, must have an experienced driver with them, have no trace of alcohol or drugs in their system, and not drive at all after 11pm! Expensive Degree? HECS used to be 3% of taxable income payable after appropriate full employment, it's government funded not private money, and interest free! And Paid Holidays, yep! 😁 Nobody is indispensable every day! 😏 Food is real here! 😋👍 (Lest we forget! 😪)
Hey Ryan, I watch a lot of your videos and enjoy your reaction to Aussie life. I always feels proud of our country, it really is one of the greatest places to live. How do we find out more of your life? Can you do some videos of things that affect your life? Do you ever respond to your messages?
I am a subscriber of Kaitlyns channel and she is a very busy person, not only does she have her day job, she puts out TH-cam content regularly and she also writes Romance Novels that get published.
Funniest thing is the two stage p plates is not in every state (yet anyway) in places like South Australia, we have P1s and P2s where we have the red p plates the whole time (still with the speed limit of 100kms/hr) and P1s you have to display your plate at all times when you drive, 1 year later on your P2s you dont have to display your P plates at all but you still follow the rules of your license for the next 2 years.
4:46 im currently on my learners. 1. At 16 you can take the learners test there are two parts. Part 1 is the give way questions all must be done correct or else you fail. Part two is general questions you can fail a couple of these and still pass. You get a book log where you must log in your day and night driving i believe you must have atleast 70 all up in order to take the p test when you're 17. We cannot go over 100km (Im from south Australia)
The Higher Education Loan Program (HELP) has indexation added every 1 June, based on the amount that is outstanding at that date. This is before the end of the financial year. The current repayment threshhold is $51,550. and how much you pay depends on your income. The actual amount is calculated when you lodge your tax return, so even though extra is taken out of your wages each pay, the amount simply goes into a personal tax pool. When your tax is calculated, including Medicare Levy, normal income tax, offsets, loan repayments, etc, the total that has been paid is applied to the total that is owed. If you haven't paid enough you get a tax debt, and if you have paid too much you get a refund. You can also make voluntary repayments towards your HELP debt, so when they do the indexation on 1 June, the indexation is lower than if you did not make extra voluntary payments.
Here is a good illustration of Australias workplace laws. The 25% loading is not universal. My paid time off story. I was working in Melbourne, Australia. Anyway, over 25 years ago I had a week off (took it out of my paid four weeks annual leave (which, by the way has a 25% loading on it to make up for overtime you missed out on due to going on leave) and one day of a paid public holiday) and went to visit a friend living over 300 k's (about 190 miles) away. He was living out in the bush north east of Bairnsdale. I was also on my motorbike So, it started to piss down on the Wednesday and didnt let up. The Mitchel River flooded and the old bridge over it was closed as it was declared unsafe due to flooding on the Saturday or Sunday. I was gonna leave on the Monday (the paid public holiday) to get to work on Tuesday But because the bridge was closed I couldn't. Now, if you check google maps the only other way's home were either through the now mud tracks through/on the edge of the high country which at the time would have been stupid on a road bike or head east and then north on the coast road into New South Wales and then cut across to the Hume Highway which back in those days was a bit of a challenge and also would have been about 400 miles in the rain. So I stayed at my mates place all warm, cozy and drunk till the bridge was declared safe on the Wednesday and went home on the Thursday and turned up for work on the Friday. I then applied for Emergency leave due to acts of god and shit weather and stuff and got paid for the Tuesday, Wednesday and Thursday. Fuck, I love Australia
The graduated drivers licence thing is (generally): Learner's Permit for a minimum of 6 months, and you must complete 120 hours of supervised driving, in all conditions with minimum of 10 at night, after you turn 16*; a Probationary licence is obtained after your Learner's, once you turn 18*, you must also pass a theory test (Road Rules), a hazard perception and visual acuity test (can you read the see, and can you spot simulated hazards), before a practical test with an examiner who'll observe and direct you through manoeuvres and some set actions (parking, 3 point turn, hill start, railway crossings, hook turns, etc.).... you're on Red (and white) for 12 months before automatically graduating to Green, then when you renew the licence after four* years it's a full license. * - these times and ages differ between states. NSW also imposes speed restrictions at each point. Some states have power/capacity to weight limitation on what is legal, also the ability to tow, and passenger restrictions, with familial exemptions, also curfews.
NSW can try for their Ps at 17. But they must complete the log book. Felt sorry for the family with TRIPLETS. Each one had to do 120hr log book. You can lower the number of hours, if you have a certain number of lessons from a professional driving instructor.
The interest on HECS/HELP loans is an issue that's getting a lot of traction at the moment, and there's a lot of push for reforms. So basically, whereas a regular loan has interest that accrues incrementally every day, a HECS loan is "indexed" which means that the amount owing is adjusted once per year at a rate set to keep in line with the Consumer Price Index. The indexation that is applied is based on the balance outstanding at 11:59 on the 31st of May. There's a lot of concern at the moment about how mandatory repayments are calculated, when they are applied to the loan, and the rate that indexation is set at each year, but that's probably a bit much to cover in a comment haha
rather than increasing the outstanding debt by the rate of inflation each year (7% in 2023), would seem more equitable to increase the income thresholds at which payments are required ? 🤷♂️
When she’s referring to the speed on P plates there are different maximum speeds you can do depending on the state. The day after I got my P’s I drove to Tasmania from NSW via Victoria. In NSW I could do a maximum 90km/hr, in Victoria I could do 100km/hr and in Tasmania where I was moving to I could do a maximum of 80km/hr.
It is indexed for inflation, do no interest but a $1.00 loan maintains its value. Obviously now with inflation high it has gone up more in the last two years but generally about 2% p.a.
The licensing system varies by state but the gist is mostly the similar. Where I live in South Australia, you can apply for your Learner’s Permit (Ls) at 16 by passing a written Road Laws test. You must always drive with a fully-licensed person in the front passenger seat, are restricted in what cars you’re allowed to drive and cannot drive faster than 80km/h even on roads with a higher speed limit than that. You also cannot drive with any blood alcohol content at all and can accrue no more than 4 demerit points. You must hold your Ls for a minimum of six months and have logged a minimum number of hours of both day and night driving to be eligible for your Ps. You can do this by passing a practical driving test (commonly called the VORT test) or by completing Log Book training, the difference being that Log Book requires multiple sessions with an accredited driving instructor and they mark off each of the criteria over time instead of all in one day. Once you’ve gotten your P1s you are allowed to drive on your own but are subject to a late night curfew (you can get written exemptions for commuting to/from work or community groups), and have limits on passenger numbers. When I was on my Ps your speed was capped at 100km/h but that might have changed by now. You must be on your P1s for at least a year or until you are 18, whichever is longer. To progress from P1 to P2 you take a Hazard Perception Test, which is just a computerised test where you have to indicate how quickly you notice the hazard in a series of situations. P2s have all the same restrictions as P1 BUT they don’t have to display the P sign on their vehicles anymore. As long as you’ve had a good driving record throughout, you can go from P2 to full license after a year
The flight time from Sydney to Honolulu is a little over 9 hrs depending on tail winds. Remember that you cross the international date line. Coming back would look like it takes over 24 hrs. You actually skip a day. As for the chicken fillet. We say the word like skillet not fillay.
In Australia there is carers leave as well that is similar to sick leave but is designed for the exact situation she described (have to go help a family member). We value family time here
as someone on their first year of L plates (victoria you need 2 years min) i'm almost never going slower than the other drivers, another thing that's different in victoria to nsw is that learner drivers and probationary drivers (in vic P's stand for probationary) aren't restricted to a speed limit, so i am 16 but i can drive at 110kph on the freeway and thats legal
Student Debt in Australia. It is added to your taxes, it increases in line with the consumer price index or whatever they call it. Put simply the amount you pay today is what the cost would be today, not standard interest rates. Which averages 2-3 % per year. The rate at which you begin paying increases each year, so if it is $40,000 this year, then it might be $41,000 next year - it is based on when you are seen to have a reasonable amount of income there are amounts for it, and it is an extra 4 - 6% of your income in tax and is paid by your employer to the tax office, the same as they pay tax to the tax office. You do have to pay it if you leave Australia, but if you get a disability and cannot work then it will not be paid, no. You rarely know it is being paid, your employer simply taxes you an extra 4-6% tax on your income. You can voluntarily chose to pay extra and the government will give you bonuses on that and deduct more of your loan for paying it off quicker
Flying time from Sydney to Honolulu is 9 hours and 35 minutes. But you cross the international date line during the flight so you go back a day. It takes longer to fly back to Sydney from Honolulu, 10 hours 35 minutes there due to the slip streams caused by the earth's rotation.
The interest on HECS-HELP loans is indexed to the inflation rate, which has held steady at under 3% except in the last few years when covid and Ukraine bumped it up for a while. Also, the money is actually deducted by the tax office. You pay an extra 2% of tax (once your income is over 40k per year) until it's paid off and you can also voluntarily pay more. As the auto repayment rate is pretty low and debts can be quite high (top universities charge 40k per year for law and medicine degrees), people can die with substantial debts to their name which then are left to their descendants. So it's not all jam, but you're not under the same pressure like in the US with its privatised system.
States do have different rules here in Oz. In Victoria - L plates at 16 and you need to get around 160 hours of logged practice with a fully licensed driver in the car (60 of those hours need to be at night). At 18 you can go for your probationary license (red Ps). In our state Learners and P platers can still drive at the same speed as everyone else, but there are restrictions on number of passengers on red Ps. Then you have another 2 years on green Ps. Blood alcohol content limit is 0 for all L and P platers (.05 for fully licensed drivers). There are also higher penalties for breaking road rules (demerit point system and fines (ie/ you lose demerit points each time you are caught speeding - more if you are not fully licensed). So you can get your full license at 22 if you have done the right thing. Both my HECs debts (1 from each degree) were paid off straight out of my pay without my even noticing. Interest rate is around 2% so it's not massive if you can't get a job straight away or have time out of the workforce. The first loan was around $10,000 from the 1990s, and the second was $18,000 (2017 - 2020). More Aussies also tend to take a "gap year" (or longer) so we are more likely to figure out who we are and what we want to study before taking on that debt, making us less likely to end up with a degree we don't use. This is why so many of us travel between ages 18 - 22. My leave entitlements are 5 weeks annual leave, 2 weeks personal leave, 1 week gifted leave at Christmas; long service leave (3 months paid leave after 10 years of service in the same industry). I get 13 days paid public holidays each year too. If I don't use them, they roll over to the next year. If I quit my job my annual leave is paid out, but my personal leave is not. We also get bereavement leave if someone in our immediate family dies, and around 18 weeks of paid parental leave when you have a new baby. If you want longer you can take up to 2 years when you've had the baby and the employer has to save your position for when you are ready to return to work. If you do return to work sooner, childcare is more heavily subsidised depending on your income. We also have a government parenting payment available for parents caring for under 5 year old for lower income or single parent families. Yeah, it's illegal for hormones etc to be used in raising animals.
The reason it takes over a day to get to Hawaii is that you cross the international date line during the trip going backwards... in other words if it's Tuesday when you leave Australia when you cross the IDL you are back to Monday... the actual flight time to Hawaii from Sydney is about 10 hours.
actually takes 4 years to go from Ls to full license. L's is 120 hours of supervised driving, but you can only go for your red P's after a year. Both provisional licenses are unsupervised but have speed limits and harsher punishments. Red P's is one year and green P's is two and then you pay to get your full unrestricted license.
Got my learners in 1988 on my 17 th birthday ( as soon as I could), 6 weeks later I had my Ps at the local country police station, 12 months after that I had an open licence. Things were different then, by 1990 this had changed, and a trip to the department of transport was required., but was 6 months on learners( still at 17) and 12 months on Ps. Things have changed a lot since then. You don’t see high school students driving to school in their own car anymore.
This is why education should be free. Completely free. Anyone that wants to better themselves should be able to. It makes for a better country all around. It makes for happier people. That's how a free country should work. In America, the government wants to make sure that you're indebted. You're either so poor that you can't afford to get by, so you'll do what you're told. or you decide to educate yourself, but that's so expensive, and you owe so much, that even with a 'better' job, you can't afford to get by, so you'll do what you're told. Vote for progressives. Make a better world.
L = learner, p = provisional. Also note, $40,000 is not that much. The average pay rate is around $91,200 to $100,016 a year according to Forbes magazine. This is gross pay before taxes but that $40,000 is too. Depending on where you work holidays are preferred to be used as they will generally roll over and the past goes up each year, so do banked holidays. At my work place i can keep 400 hours annual leave and 8 public holidays before I'm made to take them or paid it. As long as payroll actually bothers to pay it. Recently i had over 600 hours of annual leave in the bank.
The L and P plate speed limit restrictions arent in all states. And the L plate gives you a year minimuj to collect the required hours on order to progress to provisional 1 (red P plate). Red P requires 1 year of driving before progresstion to provisional 2, or the green P plate, which then requires 2 years before your classed as an open licence driver
Learners permit in Victoria you can get at 16 you must clock at least 120 hours then you need to take a written test and drivers test at 18. Then you get a red P (probationary) for the first year to say hey I’m new on my own, then you swap to a green P for two years. When you’re on a P plate you can’t drink at all.
With HECs or HELP the debt is also not transferrable when you die. So when you die, the debt dies. You can also voluntarily start paying it back while you work if you earn under the threshold. I just finished uni with $49 000 and I’ve volunteered to start paying it back now. Also it’s matched against the national interest rate which does suck
![American reacts to Reasons why AUSTRALIA is BETTER than AMERICA [part 2]](http://i.ytimg.com/vi/uBLbIc959ok/mqdefault.jpg)
![American reacts to Reasons why AUSTRALIA is BETTER than AMERICA [part 2]](/img/tr.png)
![American reacts to How Stupid are Americans? [part 1]](http://i.ytimg.com/vi/-PA34wSTf44/mqdefault.jpg)
It's so wild to me that in the states they say you're not an adult until 21 and therefore prohibited from consuming alcohol, but yes by all means go ahead and jump in a death trap and go 80mph on the freeway at 16 or take out a $100k student loan at 18.
better yet you can have guns and join the military before 18 too i believe the age is 16 for joining the military but im Australian so i dont know that for sure but one of my American friends was given an automatic rifle at 5 so you know priorities
yeah 😂
And go fight in a foreign country.
University used to be free in Australia! A well educated & healthy society is a productive society. Now it costs a fortune! Oh, on the issue of food there are lots of things in the US which are simply banned here due to their toxic ingredients.
University was and never will be free - somebody has to pay. It's either the taxpayers or the recipient of the degree!
@@billrichards1965 the research indicates it’s a good investment for taxpayers
Was free in the 80's in oz
When I finished high school, you had to pay full fees for a uni education. This was changed in the 70's. I went to uni later, where my employer reimbursed me when I passed each semester. So no debt per se, just an outlay, them reimbursement.
And the generation who complain about government subsidies are the same ones that got free university education! #hypocrisy
In Australia a sick person at work risks taking the whole workforce out by sharing the illness, thus it is preferred they stay away until they are non-toxic/contagious to others.
AND we have Medicare. Australia wide health care. We are so lucky here. No matter what you do or who you are, all of our citizens have access to free health care
@@ruthsingle-su9he True but it's not really "free" as we pay the medicare levy
@@ruthsingle-su9heour healthcare is no longer “free” it costs on average $120 to see a GP due to Medicare being largely underfunded for a decade under the Libs.
sure and thats what we were told when i worked as a mechanic for a big dealership, better to stay away than get everyone sick. then you get a cold and call in sick and the reception is definately not happy or in any way reflects the advice previously given. guess how i caught the bug in the first place.
@@mariedouglas4650 its worse than you said - its free for the bludgers who pay nothing, and its not paid for by the rich who 99% have private healthcare. the only ppl paying for healthcare are the working class. and bulk billing really sint a thing anymore, so we then pay the gap.
Ryan, the moreI I watch your videos the more I realise the culture gap between "Amercians" and Australians is really wider than you think.
We’ve always been much more English. I’m not sure why people think we’re anything like the US to be honest.
@@trevorcook4439 No. we mght have been once, just like the USA was...ONCE, we are now really an independent identity with links to both th UK and the USA but totally a different people than either of them.
@@HenriHattar personality of the English whether you believe it or not. Queuing. Using cutlery correctly. Basic manners.
@@HenriHattar links to the US? War allies?
@@trevorcook4439 You're outa touch by about 50 years Trev.
To explain the L & P Plate system better (this is the rules in NSW anyway, other states may differ slightly)
L plates - can get at 16, must display yellow "L plates" on front and rear of vehicle, must hold for minimum 12 months and must have a fully licensed driver in passenger seat and must log a minimum of 120 hours before getting provisional 1 licence (red P plates), zero alcohol limit, max speed 90km.
Red P plates - can get at 17 providing you've held your L's for 12 months and logged 120 hours and passed the driving test, must display red "P plates" on front and rear of vehicle, only have 4 demerit points, cannot drive a vehicle with more than 130kw per tonne, zero alcohol limit, max speed 90 km, only one passenger under 21 between 11pm and 5am (immediate family doesn't count), can only drive auto if you completed your driving test in an auto, must hold for 12 months before before getting Provisional 2 licence (green P's)
Green P plates - can get at 18 providing you've held red P's for 12 months, must display green "P plates" on front and rear of vehicle, have 7 demerit points, must hold for 2 years before getting full licence, zero alcohol limit, can't drive vehicle with over 130KW per tonne, max speed 100km
Full licence - can get at 20 providing you've held green P's for 2 years, 0.05 Blood alcohol limit, 13 demerit points
So basically it only takes a minimum of 12 months to be off your "learners" and be able to drive without supervision of a fully licensed driver however you will have restrictions for a further minimum of 3 years as it takes Minimum 4 years to get your full licence. If you get your L's at 16 and hold for 12 months and log all your hours, get you red P's at 17 hold for 12 months then get your green P's at 18 and hold for 2 years you will get your full licence at 20, also any time your license is suspended doesn't count off your minimum term to progress to the next licence.
Also one thing worth mentioning and it kind of annoys me is if anyone coming to Australia from overseas holds a drivers licence from a country that is considered an "international drivers license" they go straight to full licence regardless of age or how long they've held a license.
The speed restriction in NSW is a problem, learners need to drive at the posted speed, not an arbitrary 90.
@@MrkBO8 I agree, it's a stupid rule.
@@MrkBO8 100km and 110km zones are open roads anyway, I think it's more dangerous to drive at 90km than 110km on a freeway, particularly when merging.
I’m glad that my 17yr daughter is on her L’s in QLD and doesn’t have speed limit restrictions like NSW as long as she drives to the signed speed limit posted she can. Even in NSW.
Yeah, they should really be on a provisional licence for a year, even if it's just to get used to the road conditions and rules. Many drivers for non-English speaking countries have problems even reading the road signs and then drive like they are still in their home country. And yet, once they have passed the written test and done enough to pass a 15 minute practical test they are right to drive at 110km/h.
Having said that, when I got my licence, I could get my L's at 16 yrs and 9 months, get my P's at 17 and my full licence 12 months later, no such thing as green P's. Oh and no log books either.
The thing about HECS is that while there is no interest, there is indexation.
Our loans are indexed for the entire financial year based on inflation; this year's indexation rate is 4.8%. This means if you have an average salary of $60,000 and an average HECS debt of $24,711, you'll have paid back around $1,200 towards your debt, but the debt would have increased by $1,177. You will have effectively only paid back $23 of debt.
Dr Monique Ryan, an independent member of parliament in NSW, has started a petition that over 250,000 Australians have signed to ask the government to improve this.
while true, the increase in value doesnt mean your repayments increase. i think thats also important to understand, in a system where its based in interest, if you dont pay the interest, then your loan gets bigger exponentially faster. while technically possible with indexation, your repayment amound doesnt force you into debt. if you esrn 60k your repayments are essentially fixed. say after tax you take home 40k, 1k on that is 2.5% of yiur paycheck as opposed to a system where your paying 5k a year and thats mostly intetest, let alone the courses that get you into 200k debt like medical courses.
i dont think governments will ever get rid of indexation, since then the point of them paying is kind of moot since inflation slways goes up, the value of that debt goes down. i think theyre more likely to subsidise courses more or even make them free before removing indexation.
also note for others that it doesnt exsctly 'come out of your paycheck', its psrt of your tax, even in the states i believe companies have something like our payg where your tax is withheald by uour employer, HECS debt is essentiall part of your tax.
@@Hudpoweryep. I think that's the thing we over look here because we don't realise that in the US you're paying off the interest first and those rates are crazy!! That's why you can still have insane uni debt when you're ready to retire in the US, whereas most people here will have cleared that by their 30s.
It 'was' a % higher than inflation as the automatic payment, so you could not get into the problem that you paid so little in comparison to the debt indexation, but sadly they nerfed that, and now you can be in a bad situation:
In your scenario where instead you earn $50k, pay the required 1% {$500) towards your average debt, and you'd be 'going backwards' $677, but reverse that indexation, you'd still have paid $250 off the total, so eventually it will get paid off.. just 2x as long as you'd think.
@@SharlzG your employer withholds additional tax when you reach a certain pay threshold to go towards HECS… you might get some of this back as the employer usually takes more than enough to be safe, but you won’t get all of it back, so yes it can be considered “tax” but it does still come out of your paycheque. whether you really notice it or not will naturally be dependent on your financial situation. also just want to note the cultural/societal difference that in australia parents are much less likely to contribute to their children’s tertiary education fees than in the us. is indexation better than a high-interest loan? yes, of course! but there are other countries who do even better by students than offering indexed loans. thankfully we do have a lot of course subsidies although they are usually for levels under bachelor degrees
It adjusts for inflation, you borrow money not from the goverment but from all Australians and should pay back what you owe! If it didn't adjust for inflation there would never be a reason to pay it back
Bali is the preferred holiday destination for Aussies, close and cheap. We are not allowed to import or use hormones and steroids in food production. We currantly have some of the best farming practices in the world used to grow our food. We are trying to keep foreign and corporate ownership out of farming but it's creeping in. Big business ruins good farming because they are after big profits, rather than quality.
True👌
Yet we export our best produce over seas :( The grade of meats we get in ColesWorth is nowhere the same quality that is exported.
Asia sth oacific and indonesia closer and cheaper
It always irritates me that brands plaster 'no added hormones' on their meat.
Its like no shit, its illegal.
I'm Australian and have no desire at all to visit Bali.
The P plates are held over three years, twelve months for Red and two years for Green. But don't screw up because it's like snakes and ladders !
P plates are actually held for 4 years. 12 months on Red and 3 years on Green.
@@X_DAssassinNo, it’s 2 years on green. Not 3
I think it depends which state you are in, I’m in Vic and it’s 4 years total
i love that i got my license in the nt next to no restrictions just p’s for 2 year only difference is less demerit points then full license
@@BBB_photography_adventuresSame in QLD
My favourite thing about STRAYA is summed in the chorus of a Seekers song.👇
"We are one,
But we are many,
And from all the lands on earth we come.
We'll share a dream and sing with one voice. I am,you are, we are Australian."
*We aren't perfect, but I believe most believe this, which makes me proud.
one of my favorite reactions was to that song!
This needs to be our anthem! I can’t believe it wasn’t an option in the referendum (if I remember correctly).
Thanks for the response, champ. Love the vibe in your reaction videos.@ryanreaction
@ryanreaction licence process in new south Wales Australia
1 year for learner permit which required 40hrs logbook
2 Red P or provisional 1 , for 1 year after learner ,
3 Green P or provisional 2 , for 2 years and 6 months
After green P , you give test to get full licence
I know the whole song in an aboriginal dialect :)
Hope everyone had a memorable ANZAC day.
the kookaburras joined in with the national anthem, and were silent during the minute of silence.
Lest we forget
Attended dawn service & commemorated our service men & women, made breakfast for family & friends, hit the pub for 2Up & then sat around with said family & friends chatting about “everything”. Had a great day, hope you did too ✌🏼
@@mjb7015We had the opposite happen in Launceston at the 100th anniversary service. There was a huge flock of them and everyone was silent as the kookaburras called for most of the minute of silence. It was a bit eerie.
My late mother told me once of some soldiers receiving letters from home which contained gum leaves. Homesickness much😩
The HECS / HELP system is run by the tax office. The employer is required to deduct the funds and it's paid to the tax office along with normal income taxes. The amount of the HECS / HELP tax depends on your income with the start at $50k where you pay an extra 1% tax on your income ($500 annually on $50,000) . It increases to a maximum of 10% extra tax which doesn't start until you earn more than $150k ($15,000 annually). There is no "interest" the loan increases by inflation each year.
Excellent reply mate
the annual inflation linked increase is sort of like an interest rate of sorts and can be high, 2023 was 7% increase … many students have paid down little due to these annual increases …
Here's the real kicker about HECS debts. I completed my diploma of building design in 2017 when the course was 18k, in those 7 years since completing the diploma my HECS debt has increased to 26k, if that's not scary I don't know what is. And the fact that the jobs I've had since then haven't paid high enough to allow me to pay off any of my debt is ridiculous.
@@j_edwards6075 Well, if you keep earning less than 50k a year you'll never need to worry about it :)
There are too many HECS debtors whose debt is growing even though they’re paying regularly. HELP seems to be worse than HECS.
Then there are some who just never make a payment because their degree isn’t enough to get a job that pays $40,000+.
As an Australian who has travelled a lot, air travel time doesn’t seem to worry us as much as you guys. Time to Hawaii is around 10 hours. When I travel to Europe I usually fly Emirates which is 14 hours from Sydney, have a break , you can have a shower at the airport, stretch the legs etc before you connect to your flight for your final destination.
I live in Mt Gambier SA and it takes approx 8-9 hours to drive to visit my Nanna (who also lives in SA) lol
We're so used to traveling long distances to get anywhere .
Last Friday we drove 3hrs to Sydney to get my sunroof replaced (1hr), then 40mins drive to Taronga Zoo, then after 6hrs we headed home, another 3 1/2 hrs drive, no problem just the average day trip
Flight time Sydney to Hawaii is 9 hours 40 minutes, but you do cross the international date line.
Yes, crossing the international date line adds a day to your travel flying east. Flying west to say New York you gain a day .
At this time of year Hawaii is 20hrs behind Sydney. So… saying you take 10hrs to fly these, you will still arrive 10hrs before your flight left…
HECS loans are interest free however they do index the loan amount by the CPI each year
This is correct. There is no interest but, rather, an inflation-linked indexation as a mechanism to retain the real value of the remaining balance.
When I was a tertiary student in the mid 70s, not only was university in Australia free (the Whitlam era), as a student teacher, I qualified for a Studentship. The government actually paid me a decent fortnightly amount during all the years of my tertiary education. My only obligation was to commit to working for the Education Department for a minimum of three years after I graduated.
As someone who is currently a university student in Australia, I'm very jealous! That sounds like it would have been such a good arrangement.
@@mylesb7360 Yes, it was brilliant but would you believe there were still some students who complained about being tied into three years of working for the Education Department after graduating! These days graduates have to start looking for jobs. Back then a job was guaranteed. True you did have to go wherever you were posted but they were generally pretty reasonable and graduates were usually appointed to schools not far from where they lived. They even had a clause in the contract especially for female teachers - if you married after graduating your commitment to the Education Department was reduced to a single year. Yep, those were the days!
@@jenswalks As a HS student, they should bring this back, especially with the fact we have an entire TEACHER SHORTAGE nowadays because of the kids. It'd entice so many people to actually pursue education.
@@aenlvr Agreed!
The $40000 threshold that she mentioned for HECS-HELP is now $51550 and the interest rate changes each year based on changes in CPI.
It's an inflation index, not an interest rate.
The loan is interest-free but indexed annually based on the Consumer Price Index (CPI).
Yes, and you can pay lump sum, to reduce it faster.
@@Coooeeeamounts to the same thing. The loan increases in value.
You could say the same about a mortgage, part of the interest rate is inflation and part in interest.
@whatwhatinthewhat4400 It's not the same thing at all.
One of the reasons that meat tastes different is that US beef, for instance, is corn fed,, so it's flavourless whereas Aussie cows eat grass. Costco sells grain-fed beef and that pretend that it's a good thing.
On top of that, Kangaroo and Wallaby is great, lean eating, for much the same reason, if a modicum of care is taken when cooking
@@Flirkann love my roos fillet or small steaks. Delicious
As an Australian, Red P platers do not go slower than the speed limit whatsoever. They're much more likely to be going over the speed limit. Haha
Red P Platers rarely are going 'slower' than the average driver haha
Only if they are in UTES.
They're meant to! Red P plates are not allowed to drive above 90km/h.
@@trekkie-cat silly rule and only true in NSW
@@cfoples no it's not. Its to help driver's build confidence on the road.
In Queensland we don’t have that secondary speed limit but I know NSW does
The probationary license restrictions vary from state to state. The minimum full-time wage in Australia is $47,000 pa. Flying to Hawaii from Sydney takes about 10 hours.
This, as a south Aussie when I was on my P’s I could drive faster than those in Vic and NSW. And believe it or not your rules carry state to state so if I were to drive in Vic or NSW I could still legally go 100km/h* on my P2’s even if their local P2 drivers couldn’t.
Though I still strongly believe all road rules and licensing should be national and not state/territory dependant.
@@Tidus0p You better have a good lawyer. You cannot break a state's traffic laws no matter where you got your licence. Your SA licence permits only apply in SA, NOT in any other state.
@@kennethdodemaide8678you’re not breaking rules though, your license restrictions follow you but another state cannot impose their own laws onto your license.
So you’re telling me when you got your license you were obligated to learn and pass a test acknowledging all license restrictions per state? - someone who holds a L through to P2 license from one state has to follow their conditions regardless the state they’re in, but they don’t need to learn the conditions of other states conditions and follow them when they cross a border.
@@Tidus0p Your SA licence doesn't give you the right to ignore the laws of other states. They are not imposing anything onto your licence, they are enforcing the laws of that state.
@@kennethdodemaide8678 They aren't technically laws, they are licence restrictions, however, if you are pulled over in a different state to your permit the officers will inform you that in their state L or P drivers stick to X kph limit and you are recommended to stick to that limit so you don't keep getting pulled up.
My younger sister found that out recently when she did a 6 month course in Sydney from SA, she wasn't breaking any laws, the officer was clear on that, but if she didn't want to get pulled up regularly, she should try to go by their states restrictions (she was sharing a friends car while there using her SA plated car when driving home for mid semester break).
You also get special leave in Australia. You can use this leave for moving house, going to family funerals, caring for your sick child and for domestic violence etc. This used to be 1 week (not sure now as retired 20 years ago) This leave does not accumulate after each year.
Sick leave does however. For instance, I had a knee replacement and I had fully paid sick leave for over 9 weeks. I did work in a government job so not sure whether special leave is available in private businesses. But annual leave, sick leave, paternity and maternity leave, long service leave is universal.
I also received study leave for work related university study.
And another type of leave is worker’s compensation leave for work related injuries. That is universal but under state legislation so may vary slightly from state to state.
Yes..special leave and bereavement leave.
Also, if I work in my job for 26 years, they throw in an extra 13 weeks sick leave. Cough cough.....
I was off on maternity/accumulated sick/long service at half pay for 15 months. It was great, but I’d been working 10 years+ by then & taken a few sick days when I needed to.
Yes, there’s a strong “Don’t come to work if you’re going to infect everyone else!” mentality here. I guess we’re just smarter….
Actually just read an article on top private Australian businesses offering great employee benefits. CBA (Commonwealth Bank Australia) was rated as having the top ranked attractive employee benefits.
They offer 5 days life leave per year, along with sorry business leave (for indigenous workers), pet leave and the ability to purchase additional recreation leave as well as regular benefits and also allow employees to set their own hours and days of work as well.
Wow, now I almost wish I hadn’t resigned from CBA in 1990. Still, I assume have made me retire by now anyway.
In Australia for full time jobs we get up to 13 public holidays per year depending on which State you live in, 4 weeks paid annual leave which can roll over for short periods but you never lose it. You also get 5 paid sick days in year one of employment and this grows by one day a year until you reach the 10 day maximum. we also get 10.5% superannuation contributions into our retirement funds paid by our employer. Casual jobs. If you work a casual job, you do not get holidays or sick leave but the causal award rate is higher than the full time rate to compensate for this.
After 7 years you can claim long service leave up to 10 weeks paid according to the pay at the moment.
After 10 years it goes up to 13 weeks.
It is for casuals too.
If you get holiday pay the 4 weeks holidays are still every year.
You can take a week at a time or save it and have 17 weeks off the year it is due.
Some people save it until the retirement or job change.
If you work 20 years and want to change careers you have 6 months of time off between jobs.
It’s 9 public holidays in NSW. New Years Day, Australia Day, Good Friday, Easter Monday, Anzac Day, King’s (formerly Queen’s) Birthday, LabourDay, Christmas Day & Boxing Day.
Wait, its always been 10 sick days a year from the start for me, I thought that was the law
@@reznal It depends on your Award. In NSW Local Government Award it is 15 days for year 1, the 18days per year thereafter for sick leave. Also under Local Government Award, the unused sick leave accumulates and if you resign or retire after 10 yrs, you get 2wks/yr of that unused sick leave paid out.
@@aussieragdoll4840 I can see it being like that for more than 10 for sure, but Ive always had a minimum of 10 from the start
Today is Anzac Day in Australia and New Zealand , should be on this. She did a video today on our combined national day only a few hrs ago
Yes, I am old enough to know WW1 Vetrans back in the 1970's
you can send your children to school and kindergarten in Australia knowing they will not be peppered with bullet holes at school by some shooter
AND
if a driver is stopped by police in Australia and the officer has a concern that the driver is affected by alcohol the officer in Australia can give the driver an immediate breathalyser test with the proper machine and seconds later the result will confirm if the driver is over the alcohol limit or not. So NO walking a line and NO follow the pen test etc etc. The latter tests take SO LONG and hold up police from catching the next drink driver.
Those walk the line tests and follow the pen tests are NOT scientific either. Some people who take NO illicit drugs and NEVER drink any alcohol - BUT can have poor balance as they age.
I would point out that the hand held is used as a basis for follow up testing (its whats in the booze bus).
The hand held units can be a bit unreliable when it comes to just picking up on any chemical present on your breath, or if you just happened to have just had a mouthful of booze a few minutes before being tested.
That “go slower” thing is only applicable in certain states like NSW 100kmph, but in Victoria you can drive whatever the speed limit is.
Did she mention there’s no interest charged on HECS loans. They’re indexed to inflation though.
As many have mentioned, HECS/HELP is a tax, and it's index (and considered interest free). If you don't get work withing 5 years of completing a university degree the debt is cancelled (but there is a 7 year cooling off period before applying again at the same level). ATM, HECS/HELP repayments are a problem, because indexation for last year was a little over 4.7%, but one way of rounding says they can round up to 4.8% (even though it's more than 0.5% increase). This indexation amount is above the current rate of indexation also, and was even higher last year when inflation was really hurting. There are calls to shift the indexation calculation, so there is an 'or' calculation for wage growth and the lower of the 2 options is applied.
When my little bro died, I automatically got 3 days off. I knew nothing about it, went to work, was sent home.
So sorry about your little brother 😢
It's called compassionate leave..or was when a family member died in the 80s. Sorry for your loss
Most seafood is frozen the moment it’s caught. Getting seafood out of the freezer is getting it about as fresh as it’s going to be short of buying it on a wharf.
You obviously have never been to the Victoria Market or any fish market for that matter. Who'd eat frozen fish when you can easily buy it fresh!
@@mrbrightside4278 Person said most, not all
The French word “filet” is pronounced “fee-lay” but the English equivalent is “fillet” which is pronounced “fill-it”. McDonald’s “Filet o’ fish” is pronounced “fillet of fish” in Australia because we usually use the English word here, even though it is spelled in the French way on the menus.
Was about to say the same. Same word - different language, so different spelling/pronunciation.
I agree with both the above comments. In Oz the word Fillet sounds like Fill it. And add that when I worked at Maccas from 1985 to 1988 in suburban Sydney (Northmead and Carlingford) the back of house name was filet (ie the French pronunciation). We laughed at how fancy we sounded ... "We need a dozen fillAY please team." I guess we can say things both ways, and still be ok. Happy ANZAC day.
Ive always used the french verbage for filet o fish. Fillet is for places like the butchers. They have different meanings
@zoe9190 I'm not sure they do have different meanings my friend. A butcher using a knife to fillet a steak is performing fairly similar activity to a fishmonger using a knife to fillet a section of fish. Yes the animal they are cutting will differ in size, but the premise is the same. Cut up the animal into pieces, preferably without too many bones. The pronunciation is a matter of culture and custom. Similar to the word "herb". Some emphasise the h, some don't. It's a preference. Just like some people like seafood, some don't.
uh, no.
In Australia, you begin repaying HECS once you are earning $51,550 now. It is interest free BUT it is indexed on 1/6 each year on the amount owing. Your repayment after you begin earning $51,550, is based on the amount you earn not the amount of your debt. Hope this helps.
You cannot harass an employee for taking a day off. Nor can they ask if its a medical appointment what its about.
yes, so true. Privacy re medical issues should be private and are private in Australia. If your employer turned up at your home on a day you called in sick then your employer could be said to unfairly harassing the person.
and you don't have to produce a medical Certificate if your away for just one day ... 2 days you do need one
@@AnnaAnnaTT I have actually had that happen, but for all the right reasons. I was going through some complex medical issues, taking quite alot of time off. but my employer was pretty understanding about it, didn't like it, but I was worth having when I was there. On this particular day, My dad had been in a car accident, heli-lifted straight into intensive care. my family couldn't get a hold of me (I was sleeping, as your supposed to do when sick), but called my work. My manager then drove half an hour to my place to get me up and personally deliver the news. He didnt have to do that, but Im very glad he did. Dad made it through surgery, full recovery. and my manager got to see that I was indeed totally unfit for work, not just "I dont feel like it today" and playing Xbox.
The cherry on top, I was allowed to leave early all the time that Dad was in ICU, so I could see him every day, and given an extra few days leave when he was discharged to take care of him when he returned home. I didnt ask for that, I was told thats what was happening. My Dad wasnt a stranger around our workshop, had done a few cash jobs for us when we needed some extra hands, and my manager had two teenage/almost adult sons. In his opinion, It was more important to take a slight downturn in productivity and take care of your family. Because thats what he would have wanted. weirdly, employees who want to be there do a better job. And this isnt stand alone, Id previously got a txt from a housemate saying "very sick, think im dying". I didnt *ASK* for time off, just stated I need to leave NOW, my friend needs my help. fire me tomorrow. it was a harrowing 24 hours, but she pulled through. pretty scary tho. no dock of pay, no penalty, just concern that they were OK. both of these events were covered under "compassionate leave". Pretty open ended, for dealing with unperceived life problems. A loved one needs my help, and that is more important to me than making you money. no obstacle, just do what needs doing. dont abuse the privilege, but you dont have to worry about loosing your job by doing the right thing.
Another thing to note about the stage licenses is that suspension rules are more harsh and a no alcohol tolerance before you get your full license.
thats why america has the highest road toll being on the road for six months is not long enough
You’re right about different jobs and how you’re treated. I couldn’t believe the difference between my first graduate job and all the casual jobs I had previously.
You asked if there was interest on the HECS/HELP, the short answer: no.
They are indexed by inflation. So, if you have a $10000 loan and CPI is 3%, then your loan will increase to $10,300. And the same is true for negative CPI, it will decrease.
So in other words, it's always the amount you borrowed, adjusted for CPI over the time you take to pay it back.
It's pretty fair in my opinion, even though I have never used HECS/HELP.
Today, 25 April, is ANZAC DAY. LEST WE FORGET.
M 🦘🏏😎
Lest we forget
My friend has just finished his chiropractic 5 year university degree and he was telling me the interest on his hex has gone up to $10.000/yr. Its hiked up a lot in the last few years. The uni fees have gone up a huge amount as well. Tafe is better if your degree can be through tafe.
You're such a good sport, Ryan!
no he's not he doesnt know anything about australia
@@Mediawatcher2023 Ummm, he's watching videos about Australia to learn about Australia! Is there something wrong with that?
@@Masque54 Yes he does it in a sarcastic way he doesn't give a shit about australia at least we dont have any school shootings in our country its a every day thing in America.
@@Mediawatcher2023 Well, let's not mention stabbings, eh?
@@Masque54 wasn't tending to
As an Australian I don't know anything about the American student debt but HECS debt in Australia is like a delayed payment plan for university, which sounds great until you realise it's indexed to inflation. So, while there's no interest initially, the debt keeps growing with the cost of living. Repayment only starts once you hit a certain income threshold, but by then, the debt might have ballooned. It's a tricky system meant to ease the burden of student loans, but it's not without its drawbacks. Unfortunately, it's often not explained properly to students, who are typically 16-18 years old when they start uni. Plus, the amount you end up owing depends on the degree you choose.
And the band played Walking Matilda! 😪🌅
As a west Aussie. The only things we can’t do in reds is have a BAC over 0.00 or drive midnight to 5 and on greens it’s just no drinking.
I don't think she knows or understands. ' P ' is for provisional. 😊😊😊😊
In Victoria, it's a "probationary licence".
You mentioned honking your horn at a slow "L" or "P" plate driver... a car horn is categorised a vehicle warning device here in Australia. If you sound your horn for any reason other than to bring attention to a hazard or collision you can be fined, as it is illegal. A "L" or "P" plate driver swerving toward you may warrant a horn blast, but one of them going slow is not generally a hazard unless YOU are speeding and can't stop in time to avoid a collision with them! Car horn = pretty much emergency use only in AU. (All that said I have NEVER seen it enforced. ;p )
When I was in Chicago, I ordered spaghetti marinara small serve, but it arrived heaped on a plate, not even a single seafood I could find. The high crust pizza I have tried as well......topping is also scarce.
American marinara just refers to a red sauce - so different to our marinara that is full of seafood :)
I remember when I first saw the portion sizes that the US has and I was shocked. If we accrue too much holiday time they ask you to apply for leave. I am a personal carer/assistant nurse and my course was paid for while I worked. So grateful to live in Australiaaaaa
So many bots commenting on your channel, anyway love your uploads Ryan!
What are they saying?
A person must acquire ~100 hours of driving and pass a driving test to upgrade from a Learners to a Provisional 1 licence (Red Ps). After 12 months of holding a P1 licence, you are automatically upgraded to P2 (Green Ps). After 2 years of a P2 licence it will be upgraded to a full licence after its next renewal. Each state also has different laws and requirements concerning each type of licence. In NSW the maximum speed limit is 90km/h if you do not hold a full licence, however in the ACT, you are allowed to go any signed speed limit.
A funny fact is that you only have to follow to the law of the state your licence is registered in, even if you are travelling in another state. For example, I have an ACT registered licence, which means I am legally allowed to go any speed limit when driving in NSW. In comparison, a person with a provisional or learner NSW licence is always capped at 90km/h, no matter where they are and can be fined if caught going over. If a copper happened to pull me over for going over 90 in NSW, I can flash my licence and it's all jazz.
Can give you one reason Australia is better. It's America.
Some of the things that Australia has that aren't often mentioned
Leave loading - During annual leave (4-5 weeks) we get our full salary plus 17.5%
Long Service Leave - To incentivize workers to stay with a company, they came up with LSL, where for every year worked at a company, an employee gets an extra one and a third weeks holiday. The catch is that if you leave that company before 7 yrs, you get nothing. If you leave between 7-10 yrs you get the cash payout of those yrs. Example, work 8 yrs get cashed out for roughly 10.6 weeks. Once you've passed the 10 year mark though, those 13 weeks of vacation are yours' to do with what you wish, knowing that an extra 1.3 weeks is being added to your LSL for every extra year you stay with that company. Some save it for retirement, work 20 yrs get 26 weeks of salary paid in a lump sum. Some cash it out as they get it, as a little yearly bonus, some use it for an extra long holiday, 13 weeks plus 5 weeks annual makes a nice long vacation. And some cash out some and add a couple of weeks to their vacation every few years. I think the only restriction on using LSL is that the minimum that you can use at a time is 2 weeks.
A couple of things, not every job offers leave loading, it’s only normally unionised jobs that get regular overtime, if you are on salary and get leave loading count yourself lucky. Cashing out your long service leave is illegal in all states, you can use it first then retire, you can have it paid out in a lump sum when you retire, you can even claim it if you are in the construction industry between jobs, but you can not claim it as a year end bonus and continue to work the next day in the same job.
6:35 University used to be free.
it sure was. thank you Mr Whitlam
I was lucky 2 of my years at uni were free the hecs came in in 1990 or 91
@@3tuirc3 You can thank Gough for a number of things benefitting society! MEDICARE
6:03 I have a HECS / HELP student loan which comes out of my Withheld Tax at the end of each financial year (which is mid-year here in Australia)
A flight from Sydney to Hawaii is about 91/2 hours
Before anyone read that as 91 / 2 just want to clarify the poster means 9.5 hrs.
4:40, rules differ in different states and territories for the green p or times but I can answer the speed difference rule. People on their l’s or p plates can’t go over 100kph, while others can go up to 110kph
We don't technically have interest on our HECS debts, but they do increase by CPI. It is quote annoying that someone doing an apprenticeship will have their tuition paid by the employer and the gov so they won't have a debt when they graduate , meanwhile allied health like nurses, parameds etc will end up with a $40k+ debt. We don't repay it until we're making that income, but the amount you owe isn't frozen at the amount you borrowed.
Sure but you are not annoyed at them, you are annoyed by the rules right?
Do u know what an apprentice is paid? In the case of a mechanic, he has to buy all his tools of trade. That in itself is a big enough debt.
@@partymanau Interesting. There are always hidden or unrealised costs isn't there.
@@partymanau cost of those tools is tax deductible
@partymanau more than most uni students and you get a tool allowance. Still insane how an automechanic can have their thousands in tuition paid for, and yet someone who saves people's lives is left with $40k+ in debt after poaging thousands for their textbooks and placements.
The path from L plates to P plates is actually regulated by the states and as such can take longer than two years in some places in Australia. For instance, in South Australia for under 25s, you must hold your Learner's Permit (yellow plate, black L) for 12 months before you're eligible to sit for your P1s (white plate, red P), which you then must hold for another full year before then sitting for your P2s (no plate required) which last for two years before you can apply for your full driver's license. That's a minimum of four years, so most South Aussies born in the new millennium won't have their full license until they are at least 20 years old.
License in Victoria is 18
With the licence, you can get your learners permit at 16 red P plates at 18 and you are on red plates for 1 year and green plates for 3 years before you are fully licensed. It does vary with the change in rules for P plates depending on what state or territory your are in
Ryan you know soo much about Australia but you didn’t do an ANZAC Day reaction 😂❤
Maybe he will when it's the 25th over there
@@chucky110 maybe but it has been the 25th over there for two hours 😜
Cor give the seppo a break! /grins
@@chucky110? It IS the 25th.
@@Dr_KAP Depends where you are in the states. They have many TZs.
Each state has slightly different learner driver rules, and they change in some aspects over time as well. Currently in WA, once you pass your test to be off L plates, you transition to red P plates, which you are on for six months, and then you're onto green for 18 months. Red P plates have a 12am-5am restriction, where you are not allowed to be out on the roads during that time. Only in the past couple of months has the law been changed to restrict passengers (family exempted) for red P platers. Other than that, once you hit your green P plates most if not all restrictions are lifted and you just need to obey road rules.
There's no speed restriction on P plates in WA, speed is only limited when you are on your L plates, and that speed is limited to 100kph. Standard freeway/highway speeds for metro areas, so you're not likely to feel the restriction unless you go for long drives outside the city or live out in a remote country town. Even then, you're only being forced to go 10kph under, so it's not a huge deal.
I am in Australia, 48 and still have a HECS (Higher Education Contribution Scheme) debt. I paid off a small amount at one job, but since then I haven't earned enough to pay it back. And yes it has interest. Mine has gone up a lot!
Same - I'll be 47 in June. I graduated from my Undergrad back in 2007. I've only managed to get work above the threshold for one of those years since graduating! And that was because I was working full time as a Security Guard for Hotel Quarantine due to Covid!!
The little I paid back has been swallowed up by the indexation interest, so it feels like it's never going to get paid off and the year I did pay some off was a waste.
@@belindaweber7999wait you are complaining that your loan is maintaining its value in regards to inflation while being a loan you dont have to pay back unless you earn enough? Sounds like a good deal to me.
If you borrowed 20K in the 90s it would be the equivalent of around 10K in today's dollars. Making it much easier to pay off if you just wait longer. Does that make sense? the interest/inflation on hecs just maintains its value.
One of the most useful aspects of the P-plate system is that it warns other drivers that the P-plater is a beginner. This means you rather expect them to do something stupid, so you stay alert to them and a bit wary. You can also forgive them more easily if they make a mistake.
Long winded! "L" plate drivers must display the plates at all times, drive under 90kms ph, must have an experienced driver with them, have no trace of alcohol or drugs in their system, and not drive at all after 11pm! Expensive Degree? HECS used to be 3% of taxable income payable after appropriate full employment, it's government funded not private money, and interest free! And Paid Holidays, yep! 😁 Nobody is indispensable every day! 😏 Food is real here! 😋👍
(Lest we forget! 😪)
Hey Ryan, I watch a lot of your videos and enjoy your reaction to Aussie life. I always feels proud of our country, it really is one of the greatest places to live. How do we find out more of your life? Can you do some videos of things that affect your life? Do you ever respond to your messages?
I am a subscriber of Kaitlyns channel and she is a very busy person, not only does she have her day job, she puts out TH-cam content regularly and she also writes Romance Novels that get published.
Funniest thing is the two stage p plates is not in every state (yet anyway) in places like South Australia, we have P1s and P2s where we have the red p plates the whole time (still with the speed limit of 100kms/hr) and P1s you have to display your plate at all times when you drive, 1 year later on your P2s you dont have to display your P plates at all but you still follow the rules of your license for the next 2 years.
Comment when she has finished each segment. You spoil it every video by interjecting
4:46 im currently on my learners.
1. At 16 you can take the learners test there are two parts. Part 1 is the give way questions all must be done correct or else you fail. Part two is general questions you can fail a couple of these and still pass.
You get a book log where you must log in your day and night driving i believe you must have atleast 70 all up in order to take the p test when you're 17.
We cannot go over 100km
(Im from south Australia)
Really disappointed you didn't react to Anzac Day here in Australia today much more important
The Higher Education Loan Program (HELP) has indexation added every 1 June, based on the amount that is outstanding at that date. This is before the end of the financial year. The current repayment threshhold is $51,550. and how much you pay depends on your income. The actual amount is calculated when you lodge your tax return, so even though extra is taken out of your wages each pay, the amount simply goes into a personal tax pool. When your tax is calculated, including Medicare Levy, normal income tax, offsets, loan repayments, etc, the total that has been paid is applied to the total that is owed. If you haven't paid enough you get a tax debt, and if you have paid too much you get a refund.
You can also make voluntary repayments towards your HELP debt, so when they do the indexation on 1 June, the indexation is lower than if you did not make extra voluntary payments.
If she lived in Perth she'd have another reason why it's better than America....
Here is a good illustration of Australias workplace laws. The 25% loading is not universal.
My paid time off story. I was working in Melbourne, Australia. Anyway, over 25 years ago I had a week off (took it out of my paid four weeks annual leave (which, by the way has a 25% loading on it to make up for overtime you missed out on due to going on leave) and one day of a paid public holiday) and went to visit a friend living over 300 k's (about 190 miles) away. He was living out in the bush north east of Bairnsdale. I was also on my motorbike
So, it started to piss down on the Wednesday and didnt let up. The Mitchel River flooded and the old bridge over it was closed as it was declared unsafe due to flooding on the Saturday or Sunday. I was gonna leave on the Monday (the paid public holiday) to get to work on Tuesday
But because the bridge was closed I couldn't. Now, if you check google maps the only other way's home were either through the now mud tracks through/on the edge of the high country which at the time would have been stupid on a road bike or head east and then north on the coast road into New South Wales and then cut across to the Hume Highway which back in those days was a bit of a challenge and also would have been about 400 miles in the rain.
So I stayed at my mates place all warm, cozy and drunk till the bridge was declared safe on the Wednesday and went home on the Thursday and turned up for work on the Friday.
I then applied for Emergency leave due to acts of god and shit weather and stuff and got paid for the Tuesday, Wednesday and Thursday.
Fuck, I love Australia
Lol obviously she doesn't know about Anzac Day 🇦🇺
She posted this video this morning......
th-cam.com/video/4VndPrfdYDg/w-d-xo.html
@AussieFossil yeah I just saw that, strange Ryan didn't post anything 🇦🇺
@@suemontague3151 Ryan probably hasn't heard of ANZAC Day. In the USA they celebrate Memorial Day, their version of ANZAC Day.
@AussieFossil true but most Americans I know, know what Anzac day represents
@@suemontague3151 Ok, I'm surprised, I didn't realise that.
The graduated drivers licence thing is (generally): Learner's Permit for a minimum of 6 months, and you must complete 120 hours of supervised driving, in all conditions with minimum of 10 at night, after you turn 16*; a Probationary licence is obtained after your Learner's, once you turn 18*, you must also pass a theory test (Road Rules), a hazard perception and visual acuity test (can you read the see, and can you spot simulated hazards), before a practical test with an examiner who'll observe and direct you through manoeuvres and some set actions (parking, 3 point turn, hill start, railway crossings, hook turns, etc.).... you're on Red (and white) for 12 months before automatically graduating to Green, then when you renew the licence after four* years it's a full license.
* - these times and ages differ between states. NSW also imposes speed restrictions at each point. Some states have power/capacity to weight limitation on what is legal, also the ability to tow, and passenger restrictions, with familial exemptions, also curfews.
NSW can try for their Ps at 17. But they must complete the log book. Felt sorry for the family with TRIPLETS. Each one had to do 120hr log book. You can lower the number of hours, if you have a certain number of lessons from a professional driving instructor.
And Aoteroa New Zealand is better than Australia 😂
Nooooooooooo itssssss not......lol ..ya Goofy m8te from Australia
😂😂 your cheeky!
Possibly true
Hey it is ANZAC day
Nah you kiwis suck
The interest on HECS/HELP loans is an issue that's getting a lot of traction at the moment, and there's a lot of push for reforms. So basically, whereas a regular loan has interest that accrues incrementally every day, a HECS loan is "indexed" which means that the amount owing is adjusted once per year at a rate set to keep in line with the Consumer Price Index. The indexation that is applied is based on the balance outstanding at 11:59 on the 31st of May.
There's a lot of concern at the moment about how mandatory repayments are calculated, when they are applied to the loan, and the rate that indexation is set at each year, but that's probably a bit much to cover in a comment haha
rather than increasing the outstanding debt by the rate of inflation each year (7% in 2023), would seem more equitable to increase the income thresholds at which payments are required ? 🤷♂️
When she’s referring to the speed on P plates there are different maximum speeds you can do depending on the state. The day after I got my P’s I drove to Tasmania from NSW via Victoria. In NSW I could do a maximum 90km/hr, in Victoria I could do 100km/hr and in Tasmania where I was moving to I could do a maximum of 80km/hr.
It is indexed for inflation, do no interest but a $1.00 loan maintains its value. Obviously now with inflation high it has gone up more in the last two years but generally about 2% p.a.
The licensing system varies by state but the gist is mostly the similar. Where I live in South Australia, you can apply for your Learner’s Permit (Ls) at 16 by passing a written Road Laws test. You must always drive with a fully-licensed person in the front passenger seat, are restricted in what cars you’re allowed to drive and cannot drive faster than 80km/h even on roads with a higher speed limit than that. You also cannot drive with any blood alcohol content at all and can accrue no more than 4 demerit points. You must hold your Ls for a minimum of six months and have logged a minimum number of hours of both day and night driving to be eligible for your Ps. You can do this by passing a practical driving test (commonly called the VORT test) or by completing Log Book training, the difference being that Log Book requires multiple sessions with an accredited driving instructor and they mark off each of the criteria over time instead of all in one day.
Once you’ve gotten your P1s you are allowed to drive on your own but are subject to a late night curfew (you can get written exemptions for commuting to/from work or community groups), and have limits on passenger numbers. When I was on my Ps your speed was capped at 100km/h but that might have changed by now. You must be on your P1s for at least a year or until you are 18, whichever is longer.
To progress from P1 to P2 you take a Hazard Perception Test, which is just a computerised test where you have to indicate how quickly you notice the hazard in a series of situations. P2s have all the same restrictions as P1 BUT they don’t have to display the P sign on their vehicles anymore.
As long as you’ve had a good driving record throughout, you can go from P2 to full license after a year
Ryan, flying Sydney (SYD) to Honolulu (HNL) is 9½ hours flying.
Sydney to Vancouver is 14½, to Los Angeles is 13½, to Dallas is 15¼.... All non-stop.
DFW -SYD is about 16-17hrs. I do it al lot.
The flight time from Sydney to Honolulu is a little over 9 hrs depending on tail winds. Remember that you cross the international date line. Coming back would look like it takes over 24 hrs. You actually skip a day. As for the chicken fillet. We say the word like skillet not fillay.
In Australia there is carers leave as well that is similar to sick leave but is designed for the exact situation she described (have to go help a family member). We value family time here
as someone on their first year of L plates (victoria you need 2 years min) i'm almost never going slower than the other drivers, another thing that's different in victoria to nsw is that learner drivers and probationary drivers (in vic P's stand for probationary) aren't restricted to a speed limit, so i am 16 but i can drive at 110kph on the freeway and thats legal
Student Debt in Australia. It is added to your taxes, it increases in line with the consumer price index or whatever they call it. Put simply the amount you pay today is what the cost would be today, not standard interest rates. Which averages 2-3 % per year. The rate at which you begin paying increases each year, so if it is $40,000 this year, then it might be $41,000 next year - it is based on when you are seen to have a reasonable amount of income there are amounts for it, and it is an extra 4 - 6% of your income in tax and is paid by your employer to the tax office, the same as they pay tax to the tax office. You do have to pay it if you leave Australia, but if you get a disability and cannot work then it will not be paid, no. You rarely know it is being paid, your employer simply taxes you an extra 4-6% tax on your income. You can voluntarily chose to pay extra and the government will give you bonuses on that and deduct more of your loan for paying it off quicker
Flying time from Sydney to Honolulu is 9 hours and 35 minutes. But you cross the international date line during the flight so you go back a day. It takes longer to fly back to Sydney from Honolulu, 10 hours 35 minutes there due to the slip streams caused by the earth's rotation.
The interest on HECS-HELP loans is indexed to the inflation rate, which has held steady at under 3% except in the last few years when covid and Ukraine bumped it up for a while. Also, the money is actually deducted by the tax office. You pay an extra 2% of tax (once your income is over 40k per year) until it's paid off and you can also voluntarily pay more. As the auto repayment rate is pretty low and debts can be quite high (top universities charge 40k per year for law and medicine degrees), people can die with substantial debts to their name which then are left to their descendants. So it's not all jam, but you're not under the same pressure like in the US with its privatised system.
States do have different rules here in Oz. In Victoria - L plates at 16 and you need to get around 160 hours of logged practice with a fully licensed driver in the car (60 of those hours need to be at night). At 18 you can go for your probationary license (red Ps). In our state Learners and P platers can still drive at the same speed as everyone else, but there are restrictions on number of passengers on red Ps. Then you have another 2 years on green Ps. Blood alcohol content limit is 0 for all L and P platers (.05 for fully licensed drivers). There are also higher penalties for breaking road rules (demerit point system and fines (ie/ you lose demerit points each time you are caught speeding - more if you are not fully licensed). So you can get your full license at 22 if you have done the right thing. Both my HECs debts (1 from each degree) were paid off straight out of my pay without my even noticing. Interest rate is around 2% so it's not massive if you can't get a job straight away or have time out of the workforce. The first loan was around $10,000 from the 1990s, and the second was $18,000 (2017 - 2020). More Aussies also tend to take a "gap year" (or longer) so we are more likely to figure out who we are and what we want to study before taking on that debt, making us less likely to end up with a degree we don't use. This is why so many of us travel between ages 18 - 22. My leave entitlements are 5 weeks annual leave, 2 weeks personal leave, 1 week gifted leave at Christmas; long service leave (3 months paid leave after 10 years of service in the same industry). I get 13 days paid public holidays each year too. If I don't use them, they roll over to the next year. If I quit my job my annual leave is paid out, but my personal leave is not. We also get bereavement leave if someone in our immediate family dies, and around 18 weeks of paid parental leave when you have a new baby. If you want longer you can take up to 2 years when you've had the baby and the employer has to save your position for when you are ready to return to work. If you do return to work sooner, childcare is more heavily subsidised depending on your income. We also have a government parenting payment available for parents caring for under 5 year old for lower income or single parent families. Yeah, it's illegal for hormones etc to be used in raising animals.
5:21 P Platers going under the speed limit? 😂 I don’t think he realises how funny that is, especially in Sydney 😂
The reason it takes over a day to get to Hawaii is that you cross the international date line during the trip going backwards... in other words if it's Tuesday when you leave Australia when you cross the IDL you are back to Monday... the actual flight time to Hawaii from Sydney is about 10 hours.
actually takes 4 years to go from Ls to full license. L's is 120 hours of supervised driving, but you can only go for your red P's after a year. Both provisional licenses are unsupervised but have speed limits and harsher punishments. Red P's is one year and green P's is two and then you pay to get your full unrestricted license.
Got my learners in 1988 on my 17 th birthday ( as soon as I could), 6 weeks later I had my Ps at the local country police station, 12 months after that I had an open licence. Things were different then, by 1990 this had changed, and a trip to the department of transport was required., but was 6 months on learners( still at 17) and 12 months on Ps. Things have changed a lot since then. You don’t see high school students driving to school in their own car anymore.
The interest rate on HECS-HELP loans is zero. However, the loan amount is adjusted for inflation each year through a process called indexation
Im from Sydney and it's only around 5 hours flying time to Hawaii. Its 1 day plus 5 mins in time ahead on West Coast US time.
looking forward to your Part Two reaction - she seems like a nice lady
This is why education should be free. Completely free. Anyone that wants to better themselves should be able to. It makes for a better country all around. It makes for happier people. That's how a free country should work.
In America, the government wants to make sure that you're indebted. You're either so poor that you can't afford to get by, so you'll do what you're told. or you decide to educate yourself, but that's so expensive, and you owe so much, that even with a 'better' job, you can't afford to get by, so you'll do what you're told.
Vote for progressives. Make a better world.
L = learner, p = provisional.
Also note, $40,000 is not that much. The average pay rate is around $91,200 to $100,016 a year according to Forbes magazine. This is gross pay before taxes but that $40,000 is too.
Depending on where you work holidays are preferred to be used as they will generally roll over and the past goes up each year, so do banked holidays. At my work place i can keep 400 hours annual leave and 8 public holidays before I'm made to take them or paid it. As long as payroll actually bothers to pay it. Recently i had over 600 hours of annual leave in the bank.
The L and P plate speed limit restrictions arent in all states. And the L plate gives you a year minimuj to collect the required hours on order to progress to provisional 1 (red P plate). Red P requires 1 year of driving before progresstion to provisional 2, or the green P plate, which then requires 2 years before your classed as an open licence driver
Sydney to Hawaii : The approximate flight time for flights from Sydney to Hawaii (Honolulu) is around 9 hours and 40 minutes. Not a day and a half!
Learners permit in Victoria you can get at 16 you must clock at least 120 hours then you need to take a written test and drivers test at 18. Then you get a red P (probationary) for the first year to say hey I’m new on my own, then you swap to a green P for two years. When you’re on a P plate you can’t drink at all.
With HECs or HELP the debt is also not transferrable when you die. So when you die, the debt dies. You can also voluntarily start paying it back while you work if you earn under the threshold. I just finished uni with $49 000 and I’ve volunteered to start paying it back now. Also it’s matched against the national interest rate which does suck