Well i've had an interesting couple of days exploring this further and am so confused now. Originally i thought i would definately be better off with ppl but now am not so sure. Once i factored in that out CC will go down by $10 -$15 per week, plus the 100 a fortnight i'll lose from ftb a plus the 200 i'll save in medicare not going up to the next threshold it's about equal.
Can you still get BB in a lump sum?
Plus i'm also trying to work out tax wise what will be better. If i don't take ppl then we won't exceed 80k but if i do we will and i think this puts us into the next tax bracket?? I also rang CL and they said that you get taxed at your currant rate so does that mean i may end up owing tax if it's not enough? I also found last time that i got a great tax return when i only worked for half the year and get taxed for a full year so thats something else to concider. Do i have to include BB in my income estimates?
I have done and redone the calculators that many times over the last few days, you all gave me alot to think about and am now leaning towards BB. There are so many things the calculators don't factor in.
Sorry for questions being all over the place, if anyone can help that would be great.