If you are a retired person and you have incomplete pension, now the question is How To Find And Consolidate Your Lost Super? Follow these tips.
- Revive the debtor
React from the first days of delay compared to the date planned for the payment of alimony (which is usually at the beginning of the month). At first, you can contact your ex-spouse by phone. In the event of failure, or of absence of answer, send him a registered letter with acknowledgment of receipt (LRAR) to remind him of his obligations. For example, you can specify that not paying child support for more than 2 months is a family abandonment. Do not neglect Early Access To Your Superannuation.
- Bring an enforceable title
An "enforceable title" attests to the amount of your support and its exigency. This document allows you to call a bailiff to ask him to intervene with your ex-spouse. This is generally a divorce judgment, or a court-approved agreement which is said to be “clothed with the enforceable formula "(but this hypothesis is much rarer). If you agreed to this pension kindly with the other parent, and if you did not have your agreement approved by the judge at the time, you will be obliged. Before any other step, to seize the judge family matters of the high court of your home. It will set the amount and the terms of payment of alimony. Only once the judgment is rendered can you enforce that decision. You will not be required to be represented by a lawyer.
- Revaluate the pension with the debtor
In case of modification (after annual indexation, for example) of the alimony, you will have to return to see a bailiff to make an update with the employer and the debtor. This approach will also be by LRAR and will remain free for you. In case of judgment of maintenance by court order, the bailiff will, at the request of the debtor, stop the direct payment with the employer.
How to boost Retirement Pension?
Here are few tips for the Turbo Boost Your Retirement.
- Take out life insurance and make tax-free withdrawals: Life insurance is a tax envelope for more than one reason. It makes it possible to transmit a capital to the person of one's choice without tax or at advantageous rates, and to obtain regular tax-free income. Each year, you can deduct from your contract 4,600 Euros in interest if you are single, double as a couple, without being taxable. Knowing that, in any withdrawal, there is a portion of the capital, the amount exempted is much larger.
- Acquire rental real estate totally on credit: Thanks to credit, it is possible to buy a property that will provide income at retirement by limiting the savings effort. The advantage of real estate is that the rent will follow inflation. And if it does not seem enough, you have the opportunity to sell the property with a comfortable added value. And convert the capital thus obtained into a life annuity.