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Category: Articles

Pain in the pocket

Bruce Brammall, The West Australian, 19 April, 2021             The on-off argument went for longer than a year. But, finally, Mrs DebtMan and I agreed on terms. And a way forward. It was tough. As always in these situations, there were no outright winners. Both sides had to compromise. But […]

Diving in Deep – Three rules investors need to know before making leap

Bruce Brammall, The West Australian, 5 April, 2021 It’s not often that first home buyers get one-up on investors. But they certainly did coming out of the depths of Covid last year. In a “normal” market cycle, investors tend to swoop first on the bargains, leaving first timers buying into an already rising market. This […]

Is now the best time to join the property stampede?

  Bruce Brammall, The West Australian, 1 March, 2021     There’s an old investor saying – no-one rings a bell at the bottom of the market. But if you listen really closely, you can sometimes hear the far-off sounds of the stampede. The roar starts small. It’s a while, generally, before you can see […]

Crypto’s still cryptic

Bruce Brammall, The West Australian, 15 February, 2021 Elon Musk doesn’t care much for rules or boundaries. Certainly not the rules of science, gravity, defamation or securities exchange bosses. He revels in having an extreme view on pretty much everything, from populating Mars to Covid-19, from public transport to artificial intelligence. And the world needs […]

Post Covid investing for your cash

Bruce Brammall, The West Australian, 1 February, 2021                             Once upon a time, saving was fun. Put money into the bank and get a warm glow each month when your interest arrived. Remember then? When banks actually paid interest and helped you […]

Fake grass and a 500-hour saving

Bruce Brammall, The West Australian, 23 November, 2019     When we first considered bidding on the house my family now calls home, my biggest concern was the backyard. Mrs DebtMan and I were upgrading from a two-storey terrace to something with a yard, so the kids could kick a ball, have a trampoline and […]

Make my day, Bank

Bruce Brammall, The West Australian, 9 November, 2020 Couldn’t help but think of one of Dirty Harry’s most famous lines when the Reserve Bank cut interest rates last week. As the wounded bank robber lay on the street, deciding whether or not to reach for his gun, he couldn’t remember whether Harry Callahan had one […]

Become Debt Jedi – harness this tool’s power to help create wealth

Bruce Brammall, The West Australian, 26th October 2020 Sometimes, some very sensible people say some stupid stuff. You look at them and think: “Seriously? Did you really just say that?” The topic of “debt” seems to be a particularly rich source of making otherwise rational people sound like morons. “The key to financial control is […]

Super grilled again

Bruce Brammall, The West Australian, 12th October 2020 Superannuation has had a rough year. Smashed to pieces by toppling markets in March, followed by a “legal” $33 billion raid by cash-strapped Australians. While things have settled (for now), super funds, like the rest of the planet, are keen to kick 2020’s backside out the door. […]

When Selfies Fail – No, a self-managed fund is probably not for you

Bruce Brammall, The West Australian, 28 September, 2020   I love self-managed super funds. But, without doubt, too many Australians dive into this pool and crack their skulls on the bottom. Australian investors love control. We love direct property and direct investing in the share market. And, in recent decades, we’ve come to love self-managed […]