Aussies trying to get duffered aged 20+ !!!

[Abby27]

Excellent thanks....if you ever need a hand with family tax benefit im ya gal on that one! Family assistance law is my thing!

and now im sorry for being a bit silly, but what am i doing wrong with this ov chart display?

 

[Mum 2 Quigley]

yeah, well I will have a referral, which is good. I'm not sure if they are going to charge us for our SA or not, but nothing has been mentioned yet. We didn't ask the question though. Our doctor is really good, he bulk bills us & is very thorough, so I don't know whether it's up to the doctor if they charge or not either...

I know that pap smears are covered, I pay for my doctors appointment, and I get billed for the thin prep, but other than that, I don't get charged for it.

I guess in our favour, it's our first child & other than paying off a car, we don't really have any other debts, so we're in a place that while we don't have a lot of 'spare' money, we can afford to spend our wages on testing for a while, cos it's only us we have to look after... once we have one kid, we won't go through all this again, we will just be patient cos we know it can happen, I would just like to know cos it's really important to both of us to be able to have a family.

 

[kiwipauagirl]

According to smiley faces I ov'd mon so we did it thur fri sat sun mon and tue for good measure sohopefully there was enough storage up there but of course nit getting hope up.
Not sure how oz insurance works anymore but here my lap test is covered but IUI isn't. And over here it's €650 which is about $800 roughly. IVF is a couple of grand

 

[Mum 2 Quigley]

Excellent thanks....if you ever need a hand with family tax benefit im ya gal on that one! Family assistance law is my thing!

and now im sorry for being a bit silly, but what am i doing wrong with this ov chart display?

Thats good to know! I am clueless with that kind of stuff. I hate it too, cos it makes me feel really stupid and then I get embarrassed to ask questions.

You've just posted the wrong code. Try going to the same section, but copt & paste the 'bb thumbnail' code.

 

[Mum 2 Quigley]

According to smiley faces I ov'd mon so we did it thur fri sat sun mon and tue for good measure sohopefully there was enough storage up there but of course nit getting hope up.
Not sure how oz insurance works anymore but here my lap test is covered but IUI isn't. And over here it's €650 which is about $800 roughly. IVF is a couple of grand

wow, that's expensive! It adds up so quickly hey! Such a shame they don't help out more with things like this, fertility issues should be high on the agenda of things to help at a lower cost!

On a positive, your BDing is perfect to get you a little bubba!! FXd for you hun!!!

EDIT: before you started charting, did you know when you ovulated?

 

[Abby27]

excellent thanks!
Family assistance law is a little tricky, mostly cause its quite stupidly written...it took me ages to learn (i used to teach it!!! if you can believe that!) but with paid parental leave and FTB you can get a little bit of $ once you have a bub

one of the reason every pregnant woman at work is friendly with me is that i do their maternity leave budgets! i dont mind actually, its good to use the knowledge on something

 

[Mum 2 Quigley]

great chart!! I know all about the paid parental leave scheme, Looked into that when making the decision to start TTC. FTB was something I figured I would just take as it comes, I thought I would just throw myself in the deep end when it's time....doesn't sound like a great plan when put in writing. lol

Is it something that you need to fill our forms and stuff before you have a baby, at the time of birth, or just at tax time??

 

[Abby27]

Its an annual payment that you can choose how you want paid. You can choose it at tax time, you can choose it fortnightly. There are two parts, A and B. A is combined income and paid per child. So more children you have the higher the amount and the threshold. Part B is like a stay home allowance. so if you have one partner earning a million and one partner staying home you still get part B. i could go on!

 

[Melainey]

I don't understand any of that stuff haha! I'm silly

We didn't have to pay for SA which was weird? It was completely covered through medicare (Which obviously was GREAT ) But I think it is unfair that it is different for everyone and different in the other states! I think it is crazy..

I don't wanna sound stupid but what is an IUI??? I've been meaning to ask for AGES now

 

[Newbie32]

Intra uterine insemination? Isn't it where they put the swimmers where they need to be to catch the egg?

 

[kiwipauagirl]

I have been using smley face tests for about a year and relying on them. I am usually day 10 or 11 and with this being first month of temping not sure how FF works out the date. We usually BD from day 8 and go for about a week to be sure

 

[kiwipauagirl]

IUI basically starting from day 5 u are given injections each day to make u nice and fertile about a week later u have a scan and if Ur o'ing Dh goes and gives a sample and his best of best is kind of put in a tube which is inserted into u and hopefully u get a Bfp. Well that is how I read all the info

 

[Melainey]

Thanks Ladies

 

[Abby27]

they "wash" it first which is interesting, and somewhat important (no idea why). Basically the spermies dont have to get through the environment of your vagina, but get put in the uterus. Sadly my friends didnt work, she had an egg, and DH had great spermies. which is sad that it didnt work, but it goes to show you can have everything right and it still doesnt happen.
Melainey when you get duffers with your twins this month we shall chat about your family tax benefit options, and for you the baby bonus!

 

[kiwipauagirl]

I have heard of it not happening as well. It's scary. Why oh why can't it just be easy.

 

[Melainey]

Hehehehe Abby sure thing I really hope my twinnies make an entrance this month

I love the way your chart is so stable Abby Mine is hell eratic before O it annoys me haha!

 

[Abby27]

that drop you had this morning i usually get right before O. not always, but more often than not. looks like you are brewing some eggies!

i dont think my first two days count...my temp was higher and i didnt get a good bleed till Thursday. AF was just being weird. So im not really sure my day one is my day one.

 

[Mum 2 Quigley]

Its an annual payment that you can choose how you want paid. You can choose it at tax time, you can choose it fortnightly. There are two parts, A and B. A is combined income and paid per child. So more children you have the higher the amount and the threshold. Part B is like a stay home allowance. so if you have one partner earning a million and one partner staying home you still get part B. i could go on!

good explanation! so can you claim A & B, or are you only entitled to one or the other?

EDIT: does all this just get sorted out at centrelink?

one other question (may be a tricky one?) DH has a son, he pays child support & we have him 2 nights per week. Can he claim the FTB for him aswell, or not because his mother already would?

 

[Mum 2 Quigley]

I have been using smley face tests for about a year and relying on them. I am usually day 10 or 11 and with this being first month of temping not sure how FF works out the date. We usually BD from day 8 and go for about a week to be sure

FF detects Ovulation based on your temperature. The idea is that the OPKs predict that Ov is going to happen, so you have been BDing at the right time because yours have been positive. But A sustained temperature rise is the only way to see that you have actually ovulated. Some people can get positive OPKs but don't actually Ov. That's why we say it's importnant that you don't change the data you enter in FF just based on what you think it should be, cos you may think you Ov on a certain day, but your risen temperature can actually confirm when it happens.

Hope that wasn't totally confusing!

 

[Abby27]

good explanation! so can you claim A & B, or are you only entitled to one or the other?[/QUOTE]

thanks! you can claim both, you may only be entitled to one or the other or both depending on your situation. Ie partner earns 75k and there is a stay home parent you would probably be entitled to both. the thresholds for A (how much you can earn) are usually pretty generous.

the thing with FTB is that its a Yearly payment, based on annual income. if you choose to get it fortnightly that is fine but you need to estimate your income. If your estimate is wrong you could get a debt (which is nothing to be feared, a debt with the family assistance office is no big deal, and you usually pay it back with the money they pay you the following year). You might estimate it perfectly then someone gets made redundant with a pay out....blows your estimate way out and you get a debt. The only number that matters is that yearly income on your tax notice of assessment.

when claiming you can mix it up....lets say DH income is unpredictable but you KNOW you wont work that year. then just claim part B fortnightly and then part A with your tax. or vice versa, just get A and get part B later.

There is a max rate then a sliding scale till you hit base rate... then another sliding scale till you are no longer eligible. So you might work out that you are entitled to the somewhere between the max and base and decide to just take the base rate until your tax is done then claim the difference.

or what i would i do, estimate the best you can and wear the debt if you are wrong (the government gives you a buffer....you may have heard of the $600 per child? its basically so if you fuck up there is a pillow for you)

if any one wants to kick around some scenarios im happy to work out