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Welcome to Bruce Brammall Financial

Is chivalry dead when it comes to dating and money? What are your tips to avoid an issue?

These “battle of the sexes” questions are brutal. Deadly – no winners. Answer one way, you’re fanning stereotypes. Answer the other and you’re sexist. And both answers will get me in deep with Mrs DebtMan. Hiding to nothing. So, gulp, I’ll just go with honesty and hope I get to keep some arms and legs. […]

A big pile of cash, but you can make it bigger

I’ve been waiting for a bus. For a long time now. Clearly, it’s not coming. It’s time to concede. “Stuff it, I’ll walk”. Okay, time for a quick superannuation lesson. I’m doing it myself in the absence of a government-sponsored education campaign (that’d be the broken down bus still at the terminal). I’ve got 700 […]

A new financial year brings new financial scams. What should your generation watch out for?

Oh, stupidity and greed! I beseech thee to explain! Why art thou power so strong in so many, particularly when combined in the same recipe? Like ducks to water are scamsters to money. They prey on the weak, the dopey, the innocent and the trusting. We have no more chance of ridding the world of […]

Planning for a mega super attack

SUMMARY: A new report reopens the debate about super tax concessions for the wealthy, but recommends global contributions limits. Some form of limit on what’s considered a “reasonable” amount to have in super is likely to be reintroduced by a future government. Reasonable Benefit Limits (RBLs) were ditched, to wild applause, when Peter Costello with […]

Give banks a break – they’re not as stupid as they seem

Fair time to be alive, ain’t it? Australia’s in reasonable shape. Technology is making life faster, longer and more fun.   You want something, you go get it. Queen told us we can want it all and demand it now. We Generation Xers live that motto.   If we don’t have the cash, credit’s a […]

June 30 is here: Let’s get drunk and do something sensible

Bruce Brammall Debt Man   It’s here! Woo-hoo! June 30 – the end of the year. In financial terms, today is the big one for all matters finance. Slate gets wiped at midnight.   Today’s a rush. Pay bills urgently if you need the deductions, push back or pull forward income, depending on whether you […]

Keeping your guard up against “property spruikers”

Be wary of those who are selling properties they developed, or where they get kickbacks. #propchat Property spruikers are probably most dangerous, or where the most people get sucked in, where slick seminars are being run to sell properties that are also being developed by the company running the seminars. If you’re considering buying a […]

It’s time to look forward: What is your new financial year resolution?

So many, I could write a list. Right, well I’ll do that then. First up is definitely to work smarter, not harder. I’ve worked to sensibly adopt technology in the last 12 months. Some will argue you can’t go too far in embracing technology, but spending is a balancing act and I need to insure […]

Your new financial year resolution … right here

So many, I could write a list. Right, well I’ll do that then. First up is definitely to work smarter, not harder. I’ve worked to sensibly adopt technology in the last 12 months. Some will argue you can’t go too far in embracing technology, but spending is a balancing act and I need to insure […]

Property – the growth versus income trade-off

The main trade off when it comes to property (and many other investments) is the trade off between income and growth. Every property expert will have their own opinion on the matter – and I’m no different. My preference is growth and for the long term. So the sorts of properties that I suggest for […]