(03) 9020 2905Who likes eggs? I’m generally a scrambled sort of guy. Occasionally, I go for hard boiled. And this question relates to how you boil your eggs. You want them easy, … Read More “What is tougher – saving a deposit for a home or paying off a mortgage?”
Unlimited super growth
PORTFOLIO POINT: Loans in super funds can be “forgiven” – a handy way of getting assets into a fund now and benefiting from the low-tax super environment. A starting point … Read More Unlimited super growth
“If you have accounts, loans and credit cards with several banks, should you consolidate them with one provider?”
Excellent topic to ask one of Australia’s most senior bankers, Sir Ralph Norris, from the Commonwealth Bank. Bruce: “Morning Ralphy.” Ralphy: “Morning Bruce.” (Hey, don’t forget his New Zealand accent.) … Read More “If you have accounts, loans and credit cards with several banks, should you consolidate them with one provider?”
Give banks hell, then go find a broker
Debt Man column – The West Australian (Business) For: November 12, 2010. Stay calm for ‘National Smack a Bank Day!’ Bruce Brammall Debt Man My parents had a rule about … Read More Give banks hell, then go find a broker
What exactly is a “balanced fund”?
PORTFOLIO POINT: Legislators need to step in to force fund managers into “truth in labelling” to help super members. Because the existing schmozzle really isn’t a hard fix. That two … Read More What exactly is a “balanced fund”?
“Earn more money or spend less money – what is your personal finance philosophy?”
Earn more versus spend less? Oh no, the never-ending battle of good versus evil! But which is good? And which is evil? It’s like pitting Angelina Jolie against Brad Pitt … Read More “Earn more money or spend less money – what is your personal finance philosophy?”
Super, the wealth incubator
PORTFOLIO POINT: In-specie share transfers into your SMSF can be win-win for reducing tax outside super and increasing a tax-free (or tax-effective) income stream. We should all know that the … Read More Super, the wealth incubator
The trouble with super
Superannuation has always been such a promising child – that junior at the sports carnival with awesome potential. A talent that made you tingle. You didn’t have to watch it … Read More The trouble with super
“A family member tells you they have maxed out their credit cards and are in financial strife. What do you say?”
I’d get really cross and let her have both barrels. “Red card, Grandma! How many times have I told you? A thousand! There’s no more room left on your reverse … Read More “A family member tells you they have maxed out their credit cards and are in financial strife. What do you say?”
Australia’s not-so-super system
PORTFOLIO POINT: How good is Australia’s super/retirement income system? Not as good as we might like to think. And some work is required to bring it up to scratch, an … Read More Australia’s not-so-super system