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| federal jobs, job sites, flying clubs, www erotiqlinks com tgp housewife , reliable workforce, permanent, haircuts for women over 50 , opportunity, planning, overseas job, 330, own business, uk over fifty, applications, | National Seniors housing proposes people of pensionable age and in receipt of full or part Age Pension may purchase "Granny" Bonds with surplus funds which result from relocating to more appropriate housing. These bonds will be exempt from housing the assets test and extended deeming under the income test. Bond Specification • "Granny" Bonds will be at call and may be cashed in or withdrawn, however at that time the funds will not be exempt for social housing security purposes. Funds for the purchase of "Granny" Bonds may only come from the sale of the principal residence. • The bonds would only be available to full or part pension recipients. • Interest paid on "Granny" Bonds should be pitched as low as point two five per cent (0.25%) because of the security of the bonds and the benefit of being exempt under the income and assets test. |
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| Under existing regulations, assets include opportunity financial assets, the value of real estate, businesses, gifts above certain amounts, loans, opportunity value of household contents and personal effects, disposable / immediate or presently payable annuities and surrender value of any life insurance policies. (The principal residence is exempt from this test). Funds received from the sale of a pensioners home are immediately treated as a financial asset therefore deemed, however are exempt under the assets test for a period of 12 opportunity months. This allows the pensioner time to purchase another home/retirement unit. Downsizing from a larger family home to a smaller, more appropriate one will in many instances release funds for investment. Two factors inhibiting relocation are: • Additional investment income may put persons beyond the part pension and associated entitlements and lead to uncertainty about income; and • The level of assets resident in the exempt family home will be reduced. |
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