“Hi, I’m Bruce Brammall. I’m a Shit Creek paddle salesman. When you’re really up Shit Creek, I’ll be the there to hand you the paddle. “If you die, I’ll look after your family. If you have a big accident, I’ll look after you. If you’re deathly ill, I’ll get you out of the crap.” Welcome […]
SUMMARY: It’s the perfect cocktail for SMSF property investors. Two parts rising asset prices and one part low-interest rates. So, the bookies were wrong. An interest rate cut was odds-on favourite early yesterday afternoon. But nothing. Another month at least. Possibly longer. Every interest rate cut – for years, actually – has only been icing […]
I’ve been made redundant once. By my Old Man. I was 20. “Dad, how could you? Without so much as a severance cheque?” As part of his redundancy, they gave him his company car. (A year later, he sold me that car for $3000. Cheeky ol’ bugger.) That’s being unfair to poor Dad. The technology […]
I don’t believe in bad debt. I believe in the “DOG” of debt. There’s “dumb”, “okay” and “great” debt. People use dumb debt to buy the stuff that doesn’t make any financial sense – stuff that is neither a tax deduction, nor does it increase in value. This is almost anything bought on a credit […]
EXCUSE me!? Please issue a warning before asking questions like that. I’m choking on my Sunday roast as I write this! Motivation? Lacking? Seriously? Who’s having that problem? Something to motivate you should be easy! Backing your motivations with actions and sacrifices every single day is the “Tough Mudder” part. My motivations? Making sure my […]
AAAWW, come on! It’s Easter! Seriously? It’s a long weekend for chillaxing with the family. A long weekend for letting go. A long weekend to celebrate carbs in all their fat-inducing glory! In every one of that food group’s fabulous forms. Hot cross bun carbs, potato chip carbs, pizza carbs, beer and wine carbs. And […]
SUMMARY: A superannuation slap? Stand by for broken promises on super, probably in property. Given a choice between being slapped in the face and not being slapped in the face, I’ll take the latter. As I’m sure you would. Particularly if you weren’t aware that a slap was on the menu. (Seems to have been […]
I’VE always thought that I was pretty smart when it came to buying cars. But maybe I’m just a cheapskate. In more than 25 years of driving, I’ve bought just five sets of wheels. In order, a 1980 Holden Gemini, a 1984 Ford Laser, a 1991 Ford Laser, a 2001 Holden Commodore and a 2009 […]
“LUCKY to receive?” Whaaaat? Outside of the track, lotto, scratchies and an inheritance, there’s usually no luck involved in having “surplus” money! Savings are usually the result of considerable work (your job) and sacrifice (not spending)! Cue Donna Summer: “She worked hard for the money”. So, then, what should Gen Xers do with their surplus? […]
Nothing, apparently. Not my kids. No way. And even if they could, it would, at best, only be the bad habits learned from watching Mrs DebtMan burning the plastic fantastic at the shops. But just in case, I asked DebtGirl: “Is there anything you think you could teach Daddy about money?” A mild panic crossed […]
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Bruce Brammall Financial Pty Ltd as trustee for the Castellan Financial Consulting Unit Trust is an authorised representative of Sentry Advice Pty Ltd (AFSL number 227748). Bruce Brammall Financial Pty Ltd as trustee for the Castellan Financial Consulting Unit Trust is not authorised to provide credit services. All credit and mortgage services referred to on this website are provided by Bruce Brammall Lending Pty Ltd (ACL number 448881). The information contained within the website is of a general nature only. Whilst every care has been taken to ensure the accuracy of the material, Bruce Brammall Financial will not bear responsibility or liability for any action taken by any person, persons or organisation on the purported basis of information contained herein. Without limiting the generality of the foregoing, no person, persons or organisation should invest monies or take action on reliance of the material contained herein but instead should satisfy themselves independently of the appropriateness of such action.