This is a question about “delayed gratification”. It’s not Jung, Freud or Pavlov! It’s Walter Mischel! The guy who did the fascinating (but probably nowadays illegal) “marshmallow experiment” on Generation X toddlers in the 70s. Mischel put little kids in a room with a marshmallow. They were told that if they didn’t eat it before […]
Debt Man column – The West Australian (Business) April 3, 2010. Bruce Brammall Debt Man There’s more than one way to skin a cat. I love this saying. I love people who live it. It’s an idiom used by those who don’t take no for an answer. They’ll find ways of making things happen. For […]
The small, small world of self-managed super fund legal eagles sounded like a henhouse with a fox loose yesterday when news broke of the sternest of Tax Office warnings. The ATO warned that it was aware of several law firms selling trust deeds (and potentially recommending associated strategies) with provisions that are designed to get […]
Opposites? You mean like Demi Moore and Ashton Kutcher? Sir Paul McCartney and Heather Mills? Or like my wife and I? Whether it’s business, personalities or money, the most successful relationships are usually the ones where opposites combine successfully. Yin and yang. Think Tom Cruise from Jerry Maguire: “You complete me”. Sameness is not only […]
PORTFOLIO POINT: Jeremy Cooper claims he can make or save super members and employers about $12 billion in 10 years with just two sensible changes. “Razor gang” is a largely political term, usually reserved for that arm of an incoming government that’s purpose is to thin out the lazy build up of a public service […]
Debt Man column – The West Australian (Money) March 22, 2010. Bruce Brammall Debt Man Maybe it’s karma, or yin and yang. But opportunistic fortune seems headed my way! Yeah, baby! I feel it, because there’s been a 10-fold increase in the number of foreigners showing an interest in me and my financial security in […]
You don’t ask for it back. First, you send them a toenail via Australia Post … then you make it known that you’ve got other friends who were pallbearers at Underbelly funerals. Never lend more than you can afford to kiss goodbye to forever. A payment plan might help, if you get yourself in a […]
PORTFOLIO POINT: Geared super can unpack its suitcase and settle in for an extended stay – with more protection for trustees and members. The super gearing rules that were introduced in the dying days of the Howard Government are officially here to stay. If there was ever any doubt – and there certainly was in […]
Older Gen Xers will have got stuck into the mortgage game many years ago. Through the combination of paying down the loan and the property rising in value, they have probably developed some reasonable equity by now. Younger Xers might have only recently bought their home, or are saving their deposit, so won’t have developed […]
PORTFOLIO POINT: The market volatility experienced in recent years can throw SMSF asset allocations out of whack, potentially leaving you in the sights of the Tax Office. A year ago this week, as Australia’s stock market was hitting its low point, many SMSF trustees had long since abandoned any investment plan they’d previously clung to. […]
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