I don’t believe in crystal balls. They’re trouble, like poking Chopper Read in the eye. Exact predictions are for crazy people. And liars. Nobody knows what’s going to happen this year. So, in the great Australian tradition, I left mine out on the footpath years ago and somebody took it. I hope it’s causing them […]
Debt Man column – The West Australian (Business) December 24, 2010. Bruce Brammall DebtMan Dear Santa, You’re from a place that’s cold, right, so you’ll understand this warning. “You’re skating on thin ice, dude.” I know you don’t control everything. But you are in control of Christmas. And the national psyche generally during December. And […]
PORTFOLIO POINT: A “review” of super gearing in two years is as close to certainty as SMSF trustees could have hoped for. Half full or half empty? Is a review of super gearing rules in two years’ time the end of borrowing in SMSFs, as some commentators suggest? Or is it the next best thing […]
Sssh! Bite your tongue! Be wary of inviting hippies into any financial discussion. Imagine the world’s economy if Neil from The Young Ones was in charge of Treasury? Debt recycling is based on the premise that tax-deductible debt is cheaper to service than debt on which there is no deduction. Example: take a debt of […]
PORTFOLIO POINT: Be careful what you wish for. Early retirement isn’t all it’s cracked up to be say those who’ve beaten the rest to it. Human behaviour can be quite bizarre. I think we all know that. There are plenty of things that we do that don’t make a lot of sense. Top of mind […]
You want focus? I’ll give you focus! Al Pacino in Scarface: “Say hello to my little friend!” My “little friends” in financial motivation are “fear” and “greed” and you need a bit of both or you will struggle each month. They are two of life’s most powerful forces for good. Fear. Does living on the […]
Debt Man column – The West Australian (Business) For: December 10, 2010. Bruce Brammall Debt Man No need to mark this down as one of 2010’s bold predictions. I certainly don’t need to channel the ghost of Nostradamous to say that in exactly 15 days, you will wake up poorer than you are today. With […]
PORTFOLIO POINT: Let’s clear up a misconception – “transition to retirement” strategies are not about “retirement”. They’re about tax. And paying less of it. I really enjoy writing for Eureka Report. You’re a fantastic, interactive audience. You let me know when I get things right (thankyou) and when I get things wrong (thankyou also). And […]
There was a guy doing the talk show circuit two years ago and his suggestion was to “cancel Christmas”. “Visit friends in the week before Christmas and share a cuppa. Christmas is about spending time with people, not presents,” was his message. Mmmm. Sure. Nice idea. Remember you’ll wake up the loneliest person on the […]
PORTFOLIO POINT: Don’t forget non-concessional contributions when it comes to retirement income planning. They are now close to being a compulsory part of your building super strategy. The focus of the anger that surrounded the halving of the concessional contribution caps 18 months ago has been largely from the over-50s. If you’re 50, or not […]
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