A week ago, Mrs DebtMan and I had to have a serious talk. The chat was at my instigation. I gave her no warning. Sure, some might call that an ambush. Sometimes guerrilla tactics are needed. All’s fair in love and war. Particularly when it includes money. And this was about the family’s finances. With […]
PORTFOLIO POINT: These assets stay here. Those assets go there. Segregation within SMSF can lead to better tax outcomes. The word “segregation” has some nasty connotations, most usually associated with policies of entrenched racism. South Africa under apartheid and the deep south of the United States pre- and post-Civil War are infamous examples. Less nasty, […]
Fences equal splinters in butt. So straight-talking it is. Managing money comes down to income, spending and investment. You have less control over the first and ultimate control over the second two. On average, Gen X guys will earn more. A good portion of the reason for this is because they’re missing a few bits […]
PORTFOLIO POINT: Have your cake and eat it too – combining salary sacrifice with a transition to retirement strategy. “Hey Dad, there’s some bloke here at Eureka Report who reckons there’s a super strategy that allows you to both have more money in your hand each month AND still get more money in your super […]
I have this sneaking feeling, with no hard evidence to back me up, that speed skater Steven Bradbury is actually in control of Australia’s finances. Maybe as Wayne Swan’s puppeteer? Of all our first world competitors, our economy seems the only one that hasn’t fallen over. They’re all in a bit of economic poo, something […]
PORTFOLIO POINT: Share the SMSF love. Taking a joint perspective to contributions strategies can be far more effective. Building your superannuation nest-egg can be a lonely challenge, not unlike trying to climb Mt Everest. Sure, you can surround yourself with committed like-minded people. But you’d better believe they will order you back down with a […]
January is a pretty good time to be alive in Australia. The sun’s out. The tennis is on. We’re annihilating India by complete innings. Driving to work’s a breeze. Beer tastes better. The extra daylight hours knacker the kids. It’s Happy Days, without Richie Cunningham’s moaning. February brings reality. Traffic returns to chaos. The workload returns […]
Debt Man column – The West Australian (Business) January 20, 2012. Bruce Brammall Debt Man January is a pretty good time to be alive in Australia. The sun’s out. The tennis is on. We’re annihilating India by complete innings. Driving to work’s a breeze. Beer tastes better. The extra daylight hours knacker the kids. It’s […]
PORTFOLIO POINT: The temperature is rising in SMSF-land. Time to apply some protection. Here’s 12 do’s and don’ts to get you prepared for 2012. It’s looking like another daunting year for investors. If you’re shaking in your boots at the prospect for returns, you won’t be alone. Europe’s sovereign debt woes are here for a […]
Smelling a government cover-up doesn’t always require heightened political senses, such as those of Watergate journalists Bob Woodward and Carl Bernstein. And you certainly don’t need to be a batty loner like Mel Gibson in “Conspiracy Theory”, or an alien abductee like David Duchovny in “The X-Files”. Sometimes it’s pretty straight forward. The only thing […]
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