Bruce Brammall, The West Australian, 4 December 2017 So, we now have a royal commission into the banking sector. A bloody big microscope is bound to find some really ugly stuff. Conflicts of interest, fee gouging, insurance scandals and rorts, conflicted remuneration. There’s plenty of rocks to peer under. The commissioner will no doubt […]
Bruce Brammall, 29 November 2017, Eureka Report SUMMARY: Property investors have two new super tools available to cut their capital gains. Here’s how to plan to save CGT. Property investors don’t get a lot of sympathy in general. And, okay, it’s a bit understandable. In recent decades, property investors have made squillions, as property markets […]
Bruce Brammall, 22 November 2017, Eureka Report SUMMARY: The new personal deductible contribution rules will be a big boost for your super. But there are some complexities. Bright spots were few and far between in the recent super upheaval – but the new allowances for personal deductible contributions topped the list. Another was the “five-year […]
Bruce Brammall, The West Australian, 13 November 2017 Surveys, yardsticks and statistics – if you care about your own personal finance, these are usually a staple part of your information diet. Why? Because they allow you to judge your performance. Are you tracking ahead, or behind? Do you need to work/save harder? Is there something […]
Bruce Brammall, The West Australian, 30 October 2017 It can be a headache of super proportions. And once thought about is something too many banish from their minds. “What should I do to make my super really work for me?” In recent weeks, you have probably received your annual super fund statements. Most will […]
Bruce Brammall, 25 October 2017, Eureka Report SUMMARY: SMSF expenses have nearly tripled in just five years! Have you lost control of your super fund costs? Trustees of self-managed super funds appear to have lost control of their expenses – average expenses per fund have nearly tripled in five years. The cost blowout […]
Bruce Brammall, 18 October 2017, Eureka Report SUMMARY: A limit of $1.6m in super? No! You are unlimited as to how big you can grow your super fund. There is an absurd misunderstanding gaining traction around the country about superannuation. It’s a message that the government hasn’t been deliberately pushing. However, it certainly won’t […]
The stakes are high, the gearing a bit dizzy … it’s a love affair that keeps Australians smitten, even though so many are so bad at this game. Property is that lump of coal that so many of us try to squeeze into a diamond. Some do. Some don’t. Me? Property became an obsession […]
Bruce Brammall, 11 October 2017, Eureka Report SUMMARY: Interest-only or principal and interest for your SMSF loan? This decision for SMSFs has become collateral damage, so here’s what to consider. There was a time when interest-only loans were close to being the only way to go for investment property, including inside super. Interest-only repayments […]
If you want to scare the crap out of yourself, just for fun, go google “mortgage stress”. I did. Turns out catastrophe is about a heart beat away. Apparently, we’re all going to die. If the Reserve Bank raises interest rates, like ever, Australian households will collapse like a “house of cards”. According to […]
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