Peer-to-peer lending? If it involves lending to friends and family … are you freakin’ serious! Nothing but horror stories. P2P lending isn’t that. It’s lending to randoms. Via the internet. No emotion. The Terminator. They don’t know who you are. You don’t know who they are. You can’t […]
It’s the middle of winter. It’s freezing outside. If this is about sacrifice, I think we could cut out heating at home for the month … … by going to Bali! Which is where I’m writing this from. Cheating? Not in the spirit of things? Financial vices, hmmm. I haven’t got many. When I see […]
Better questions. Who would you rather sleep with? Ladies, Brad Pitt or Matthew McConaughey? Lads, Jennifer Love Hewitt or Heather Locklear? If you’re straight, perhaps you answered a screaming “BOTH!”. If you’re gay or bi, you might have answered two, possibly more. If you’re a Gen Xer and answered one or less … then […]
Oh, I dunno. Let’s ask a financial expert. The man in charge of Australia’s finances, Treasurer Joe Hockey. “If you’ve got a good job and it pays good money …” Um, Joe, had to punish you for that one again. You walked into it, buddy. The “how” you do it is dependent on only one […]
Hire professionals? Why would a Gen Xer do that? We’re smart enough to do it ourselves. Plus, our careers and kids aren’t terribly time-taxing. We don’t need social lives, or to spend time with our partners. Thpppt! Crazy. Gen Xers need financial professionals, or need their heads read. Outsource the jobs you hate, won’t find […]
Is that the sound of a chainsaw firing up on a Monday morning? Love it! “Chainsaw” Al Dunlap was an American executive legendary for downsizing by sacking staff. Kerry Packer hired him and briefly bought him to Australia. In his honour, I’ll take a chainsaw to my expenses … slash people costs. Personal trainer? Sacked. […]
I’m a melting pot of thousands of ideas that I’ve heard over the years. Singling out one? Whoa. Tough. I learn the most while reading. So the best “advice” I’ve ever received has usually come via books, or the media. And I’ve read some truly crappy advice during that time also. Some so inately offending my […]
STAY cool. Gen Xers need to channel Douglas Adams’ advice from Hitchhiker’s Guide to the Galaxy. “DON’T PANIC!” Market fluctuations? Schmucktuations. A Gen Xer’s long-term investment plan, when it comes to The Big Game, needs to accept that a market’s next move is as random as a deck of cards. With shares and property, […]
BLOWING our own trumpets? Most un-Australian. We don’t like bragging. Usually makes us sound like tossers. But that’s what the editor wants, so … I’ve got two answers. One personal, one professional. And, neatly, they’re linked. As a kid, I was always a good saver. Sure, I spent money on lollies and footy cards and […]
It’s natural to feel like an idiot when you make a mistake. But if soon afterwards you feel smarter, it’s because you’ve learned something. Yeah, I’ve stuffed up on occasion. Some of my errors have cost me thousands. Youthful exuberance. But the most annoying are not always the most costly. The cab driver in Santiago, […]
© Bruce Brammall Financial 2009 -2025
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.