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2006年06月23日

オーストラリアの飲食業界で働く、生活設計!

海外で働きたい!という夢を持つ方も多くなってきたと思います。

事実、年々海外居住者が増えているようですが、そういう方がもっともっと増えて欲しいと願っている一人です。

しかし、居住してからが大変。言葉や文化の違いもさることながら、しっかりした生活基盤を作るのは容易ではありません。将来のために、賢く生活設計を進めてください。
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生活基盤作りには、さまざまな段階がありますが、まずは車、次に不動産というように、生活する上で大きな買い物が必要になってきます。

そういった時、いざカーローンや住宅ローンを組もう!という時に「えっ?何で貸してくれないの?」という現実にぶち当たります。

日本人が海外に移住する場合、当然のことながら海外での信用度は、0(ZERO)。残念ながら日本での経験や実績は、全く考慮してくれません。

サラリーマン(被雇用者)がローンを組みたいとなると、所得を証明するものとして会社が発行するペイメント・サマリーが必要になります。
もちろん、別途、借りたい金額と同等の現金や不動産など担保になるものをお持ちの方は、特に必要ありません。

海外で起業した事業主や経営者(Director以上)になると、会社のファイナンシャルレポート(財務諸表)が必要になるため、ローンを組むのが非常に難しくなります。
もちろん、会社の業績が良く、たくさんの利益を出していれば全く問題ありませんが。

※飲食店の場合、ちゃんとした経営をすれば、年間に相当額の売上があがり、安定した収入が見込めるので銀行に信用ができてきます。信用ができれば次の店舗展開やローンを組むことも容易になってきます。この点、他のビジネスを立ち上げるより比較的容易ではないでしょうか。

オーストラリアの飲食業界で働く方々を例にあげると、一見、良さそうな手取り額(Nett)をオファーされ、それに満足して働いている方も少なくないと思います。
しかし、一見多そうに見えて、実は手取り額は大して違わなかったり、逆に少なかったりします。
Gross額で支給を受けている人は、所得税控除が受けられたり、スーパーアニュエーションが支払われることなど他にメリットがいろいろあります。
もちろん、ローンも組みやすくなります。

家族を持ち、それなりに生活にも余裕ができ、さぁ住宅を購入しよう!というときに「銀行からお金が借りられない!」
リタイアする時にもらえるスーパーアニュエーション額が、その時になって老後の生活に足りないじゃないか!ということになってからでは手遅れです。

後になって困らないよう、必要な知識を身につけて、こちらが賢く選ぶ!という立場にならなければならないと思います。

自分の店を持つより、雇われるのがよいという方は・・・
一見良さそうな手取り額に惑わされず、しっかりした経営をしてGrossで給料を支給する飲食店を選んでください。

自分の店を持ちたいと言う方は・・・
従業員の生活設計も考慮に入れた飲食店経営を目指してください。

最近、このような問題から良い働き手が少なくなってきています。
飲食店経営において当たり前のことがきちんと成されていかなければ、今後益々働き手が少なくなり、飲食ビジネスの発展は見込めなくなってしまいます。

既に飲食店を経営なさっている方、これから飲食店を始めるご予定の方、健全な飲食店経営を目指しましょう。

→ ミラーサイト作りました。EXBLOG こちらもどうぞ!
→ ミラーサイト作りました。BLOGSPOT こちらもどうぞ!

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日本からのお客様!(2007-01-23 20:26)

Posted by Japanese Culinary Institute at 14:25│Comments(65)飲食店ビジネス
この記事へのコメント

お久しぶりです!!!

そうですよね。
海外に移住したい!!!

と漠然と考えていても
将来の生活設計がしっかりしていなければ
何の為に移住して来たのか
分からなくなってしまいますものね。

俺もまずは基本的なところも
しっかりしないといけませんね。。。
Posted by キウイ at 2006年07月01日 19:54

キウイさん、相変わらず大変努力しているようですね。いつも感心させられます。本当にまだ若いのにね。

このブログのタイトルの通りオーストラリアはチャンスが一杯だけど、ビジネスをするとなるとどの世界でも甘くはありません。
それなりの志と情熱がなければ、やっていけないもの。
それに最近は、ただがむしゃらにやる!という方法では上手くいきません。

将来の目標と計画を立てながらしっかりやっていきましょう。
ただ考えすぎると一歩前に踏み出せなくなってしまうので、バランスをとりながら行動力はなくさずに進んでくださいね。

キウイさんがシドニーで起業する日を、首を長〜くして楽しみに待ってますので、早く実現してください。一緒に何かやりましょう!
Posted by シドニー nishimoto at 2006年07月10日 15:24

そうですね。
最近気持ちで負けがちな時もありますが、
やっぱり業界云々は抜きにして
一つのことに向かって頑張ってる人を見ると
勇気と気合を貰えます。

しかし職場のスタッフが全員若いので
おじさん呼ばわりされるのがなかなか・・・

バイトの子に一回り違う子が来た時は
はっきり行って怖かったです(笑)


p.s. ヨットはしろーとさんとお会いしたみたいですね☆
Posted by キウイ at 2006年07月10日 23:59

移住したいと考えています。
本当に基本的なことでお恥ずかしいのですが、求人広告などを見ても見方がよく理解できません。教えていただきたいのですが。。。。
40K+スーパー
40K(グロス込み)
10ドル(手取り)←税込みはいくらなのか(税金の%)
などなどありますが、どのように理解したらよいのでしょうか?
ですから、貴殿のブログのネットとグロスのくだりもよく分かりません。
教えていただければ喜びます。
Posted by motizou at 2006年11月08日 17:18
これは、ビジネスの設定で自分の個人的な有効性を向上させるために個人またはグループごとに積極的な支援、フィードバックやアドバイスを提供しています。ありがとうございます。
Posted by term paper writing services at 2013年10月21日 15:36
すべてが問題の非常にオープンし、非常に明確な説明です。それは本当に情報が含まれています。あなたのウェブサイトは非常に便利です。共有していただきありがとうございます。
Posted by writing grant proposals at 2013年10月30日 04:17
それはあなたのビジネスの法律用語紙に良いトピックを見つけることが困難なように見えることができます。考慮すべきいくつかの良いアイデアは、このような規制や従業員との関係などのトピックに関する論文である。また、契約や不法行為法について書くことができます。
Posted by application cover letter at 2013年11月01日 20:34
これは、将来の計画を持って適切な時間だし、幸せになるための時間です。私はこのサブミットを読んでいると私はあなたに面白いアイテムやヒントをいくつか提案したい私ができれば。たぶん、あなたはこの記事の話今後の記事を書くことができます。私はそれ以上の側面を読みたい!
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