It’s an often nasty subject not talked about much. The stats out there are that ‘one in three’ relationships end up breaking up. Often people are unprepared for this and in an emotional state so thinking clearly is out of…
Binding Death Nominations
A binding death nomination is how you may stipulate whom receives your superannuation funds upon your death. Superannuation is a trust structure, this means that your assets held here do not form part of your Will. So if you think…
Posted in Articles Tagged with: #FinancialFreedom, #Non-binding #Binding, #RitchieAdvice, BindingDeathNomination
Elder Abuse – change of culture
Elder abuse – ever heard of it? Seen it in action? It is known as any act which causes harm to an older person and is carried out by someone they know and trust such as a family member or…
Posted in Articles Tagged with: #RitchieAdvice #FinancialFreedom #ElderAbuse #ChangeOfCulture #StopTheAbuse
Buying a pre-existing house or building
It is fascinating how this changes over time. 15 years ago you were a lot better off to build than buy however it seems at the moment you are better to buy than build. It really comes down to supply…
HECS-HELP Debt Lump Sum or Drip Feed
If you have completed university study in the past and deferred payment then you will have an accumulated HECS-HELP debt. These can be in the order of $15,000 – $50,000. (If yours is more, I feel for you as it…
