So far not one of my g/f, or work mates are better off with PPL.

By the time you pay tax, lose FTBb, CCB goes down, and that $10,000 gets added to your tax bracket, not to mention the medicare levy you might have to pay too, none of us were better off.

We are much better to get $5,000 tax free and keep all the FTB and CCB rates. And I can go back to work (from home) AND keep my money!!

I *think* PPL works out better if you earn close to, or more, than the $10,000 in your normal wage (beforetax) in 18 wks?