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Category: Herald Sun

Changing behaviours can change finances

Bruce Brammall, The Australian, 19 January, 2025 Changing behaviours can be bloody hard. Particularly those ones that were almost bred in through your genes. Most of the time, it’s not actually genetic, but what you’ve picked up through your childhood and early adulthood, in what is referred to as “learned behaviour”. Early on in life, […]

Risk the key to getting your investments right

Bruce Brammall, The Australian, 12 January, 2025 Anyone who has spent time in a big Asian city will understand how utterly crazy-chaotic the traffic can be. You look at the hundreds of motorbikes and cars passing you each minute and it seems just incomprehensible that people aren’t dying right in front of your eyes. If […]

Bali beaches, sacrifices and an early retirement

Bruce Brammall, The Australian, 6 January, 2025 Sometimes, an email pops up into your inbox that signals “success”. You’ve been working towards this. And it’s finally happened. If it was a cocktail – appropriate for this time of year – it’s made up of two parts happy, one part pride, one part a nice type […]

Tis the season to break bad investment habits

Bruce Brammall, The Australian, 29 December, 2024 Four days on from collectively the biggest and most stressful family catering event of any given year and … I take it you survived. The stresses leading into Christmas for most families can be pretty intense on many fronts. Scrambling through finishing up work for the year, social […]

Why now is the best time to grow your super

Bruce Brammall, The Australian, 16 July, 2023 Some statistics deliver a brutal, stinging, reality. They hit home, right in the guts. Giving you life regrets, priorities you maybe got wrong. I saw some the other day about parenting that did exactly that. Sat me on my bum. By the time your kids are 12, you […]

Answer to chaos is to diversify

Bruce Brammall, The Australian, 24 April, 2022 Dumb decisions admission time – one of my earliest investment decisions was one of my stupidest. It was 1993 and I was early-20s. I had some money set aside to pay off the last of my HECS university debt in about nine months’ time. If I paid it […]

Things could get a little bit messy

Bruce Brammall, The Australian, 17 April, 2022 Let’s me put a bit of a bent on an old saying: “Enjoy the chocolate Easter eggs today … because it’s going to be boiled lollies for Christmas”. For the first time in nearly 12 years, we’ve had an interest rate rise. Actually, there’ll be many. It doesn’t […]

Think of bricks and mortality

Bruce Brammall, The Australian, 10 April, 2022 My kids are polar opposites in so many ways. One boy, one girl. One barely talks. The other won’t stop. One has my sense of humour, the other my wife’s. American rap versus pop. Saver versus spender. Messy (like bombs going off everywhere) versus clean, tidy and orderly. […]

Pros and cons of negative gearing

Bruce Brammall, The Australian, 16 January, 2022 I wasn’t even a teenager when actress and fitness “guru” Jane Fonda made famous the “no pain, no gain” exercise mantra. Her thinking was that if you’re not in pain when working out, you’re not working hard enough. (If I’m feeling pain when I’m exercising, it’s more likely […]

It’s a tax haven in your backyard

  Bruce Brammall, The West Australian, 1 November, 2021   Watching youthful stupidity is sometimes funny, sometimes painful, and sometimes cringeworthy. But we were all young once. Nobody gets into their 30, without having a catalogue of “embarrassments” to reflect on. Don’t think about too hard. There may be flashbacks and whole-of-body shudders over exactly […]