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Category: Articles

Knocked for six? You’re not out yet

Bruce Brammall, The West Australian, 21 October 2024 Yorkers, bouncers, inswingers, sandshoe crushers, googlies. If you’re “facing” and wasn’t expecting them, they can be unplayable. Sure, cricket season has started. But I’m talking about life itself. A cancer diagnosis, your partner, family or friend dying, divorce, being scammed or naively taking poor advice. Nasty events […]

Next place to park? Start planning where to stash your cash when rates fall

Bruce Brammall, The West Australian, 23 September 2024 The pressure is building. Pretty much everywhere. And markets are saying, with certainty, that rate cuts are a-coming. But Michele Bullock, chair of the Reserve Bank, ain’t listening. Or possibly listening, but not hearing. And there’s a reasonable chance she’s cursing under her breath, not wanting to […]

Who’s the boss? Forget Bullock and Chalmers, it’s the money men you should be watching.

Bruce Brammall, The West Australian, 9 September 2024 “You’re not the boss of me!” was a common phrase my kids would trot out, usually to bossy friends, when they were young. They were taught it at creche. And it was about setting boundaries with other kids who were trying to tell them what to do. […]

Sniff out a stinker

Bruce Brammall, The West Australian, 3 June 2024 Ah, the racy joke that was a way too blue, the juicy rumour instantly shot down as fiction, the personal overshare that crossed so many lines it also crossed a state border … Sometimes, some things dance either side of the line between appropriate and inappropriate. And […]

Supersize the EOFY

Debt Man column – The West Australian (Money) Bruce Brammall, The West Australian, 20 May 2024 Every trip around the sun comes with two universal “year ends”. The calendar year end, which is fun. And the June financial year end, which is mostly stress. We all prefer calendar year end, December 31. All party, no […]

Just a few clicks will change my kid’s life

Bruce Brammall, The West Australian, 8 April 2024 As kids get deeper into their teens, they give off bigger vibes that they really don’t want your help no more. What gives it away? The grunting? The groaning? All that time spent in their bedrooms? The smiles that only come out when they want something? Of […]

Mortgage negatives are really positives

Bruce Brammall, The West Australian, 25 March 2024 In the big wide world of investing, there is nothing that discriminates between investors quite like cash. No, I’m not talking about how much of it one person has over the next person. (Some will say that’s discrimination, but this column isn’t going into the weeds on […]

Which half are you? Market optimists and pessimists can’t be both right

Bruce Brammall, The West Australian, 11 March 2024 No matter where financial markets or economic cycles are at, pessimists and optimists abound in roughly even numbers. It’s like a zero-sum game. Sometimes the weight-of-numbers balance tips a bit towards the pessimists, sometimes the optimists. But over the medium term, it’s a near perfect balance. When […]

Rollin’ with the punches

Bruce Brammall, The West Australian, 12 February 2024 Sometimes, some people just want a break from change. I get it. Some clean air to be able to consolidate and chill, before rules start moving again. Constant change can be tiring. Especially when it’s often the same obstacle that seem to get moved each year, almost […]

Use the early down time to make the financial calls

Bruce Brammall, The West Australian, 29 January 2024 Sometimes you’ve got to just rip the Band-Aid off. Too much time passes from when you start to think about a decision you know you need to make, or accept, and actually implementing that decision. Everyone has stuff in your life that, right now, you’re yet to […]