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Category: Articles

Rates are red hot

Bruce Brammall, The West Australian, 14 September, 2020                                           The dictionary defines “aroused” as meaning “stir into action or strong response”, or “stimulate”. When it comes to mortgage interest rates starting with a “1”, take […]

Time to take stock – Pandemic provides the opportunity to reassess your personal priorities

  Bruce Brammall, The West Australian, 31 August, 2020 Life’s big personal priorities rarely change day to day. What’s important to you one year is, usually, still important to you the next year. But, sometimes, something will karate kick you in the guts. And Covid-19 will have done that, globally, more than any other event […]

High price of advice is obvious

    Bruce Brammall, The West Australian, 3 August, 2019 Too often for my liking, the little guy just gets totally screwed over. And the roulette wheel spins in favour of the wealthy. Rules get changed for “righteous” reasons, by politicians in ivory towers. They believe they are creating the ideal, but the trickle-down consequences […]

A super loan hurdle

Bruce Brammall, The West Australian, 20 July, 2019 Older Australians looking to buy their first home face higher hurdles, with pressure increasing for borrowers to nominate how they will repay debt at retirement. National Australia Bank told mortgage brokers last week that borrowers would need to justify how they would eliminate loans before they clocked […]

Dive in & go long

Bruce Brammall, The West Australian,15 June, 2019 How good am I? I predicted this! A short, sharp correction, bouncing back fast and furiously. Call me Nostradamous! No, I didn’t predict squat. I didn’t see the ASX200 dipping below 4600 points. And I certainly didn’t predict the 32 per cent bounceback above 6100. Certainly not both […]

Make the party pay

Bruce Brammall, The West Australian, 29 June, 2019 You have read it on some friends’ faces, for months, before they’ve uttered a word. It might be the slight wince when jobs or income is raised, not wanting to bring attention to themselves, or the near-whispering tone when they do speak. But through COVID-19, they’ve been […]

Property opera has a long way to go

Bruce Brammall, The West Australian, 8 June, 2019   The saying goes, “it ain’t over till the fat lady sings”. When it comes to property, understand she’s a long way from even warming up. In fact, not only has she not applied her makeup, she hasn’t arrived at the venue. Brutal honesty? She hasn’t even […]

Despite the gloom, it’s time to seek the light

Bruce Brammall, The West Australian, 18 May, 2019 How good is it when pessimists bring us all down with their negativity … but their crappy cynical predictions spectacularly fail to materialise. “In your face, Dr Doom! Back into the black hole you crawled out of and don’t darken our doorstep again with your despair.” It’s […]

Super little loophole – Rebuild your retirement savings with a tax break

Bruce Brammall, The West Australian, 4 May, 2019   It’s March 2021. Covid-19 restrictions have passed. You’ve been back at work for a while. And you’re slowly, but busily, repairing your finances. During “The Shutdown”, you raided your superannuation. Twice. Took out two lots of $10,000, before and after 30 June, under the hardship provisions. You […]

Rough ride ahead for property markets as pandemic bites

Bruce Brammall, The West Australian, 6 April, 2019   What does the perfect storm for a property crash look like? Open your eyes and look around you. This is it. Granted, you probably can only see the same four walls you’ve been staring at for weeks, or your partner and kids, if you can still […]