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Be a rebel with a tax-free cause

Bruce Brammall, The West Australian, 15 August, 2022 Debt Man “Live fast, die young, leave a good looking corpse.” The phrase wasn’t uttered by James Dean, but is often associated with him. Dean was known as the “eternal teenager” and was most famous for his role in “Rebel Without a Cause”. He died in a […]

Here’s where to stash extra cash

Debt Man column – The West Australian (Money) 9 May, 2022. Bruce Brammall, The West Australian, 9 May, 2022 One swallow does not make a Spring. But by the time Spring 2022 rolls around this year, there will have been plenty of swallows for savers to savour. Not that it’s immediately obvious from the headlines, […]

Get strapped in for a long ride

Bruce Brammall, The Australian, 14 November, 2021 When the Corona-crash started in February last year, it’s fair to say I was pooping my pants. In some ways, it feels like a million years ago. But it wasn’t. Markets were tanking. Businesses were shuttering. The largely American term “furloughed” began to have a local meaning. I […]

How to avoid any insurance trauma

Bruce Brammall, The Australian, 31 October, 20 It doesn’t happen all that often, but sometimes I’ll get a call from someone who has recently, clearly, had a nightmare. Typically, she’s mum to one or two and is at home looking after the kids till they’re off to school. Down to one income, the mortgage is […]

When you get comfortable with your mortgage

  Bruce Brammall, Sunday Herald Sun, 19 September, 2021 There comes a point in the life of a mortgage where everyone concerned knows it doesn’t hold the same power and control it once had. As it ages, it becomes weaker and less relevant. It was once so prominent, it was the financial focal point. But […]

Virus pain will linger

  Bruce Brammall, The West Australian, 20 April, 2019 At lunchtime on St Patrick’s Day, my team shut the shopfront and started working from home. No more face-to-face meetings. Stop delaying the inevitable. Let’s go remote. That afternoon, as they settled in at home, I sent a text : “When’s our first day back in […]

Where does super stand this election?

  Bruce Brammall, 1 May, 2019, Eureka Report     SUMMARY: If super is your hot button for voting in this month’s election, here’s a snapshot of both parties’ super policies. A week out from the last federal election, the Coalition didn’t have a friend when it came to their superannuation policy. They were advocating […]

Why some SMSF trustees are unhappy

Bruce Brammall, 17 January, 2018, Eureka Report SUMMARY: Smaller DIY funds are less satisfied with returns than industry funds for the first time. Why? It seems that many of us super trustees are getting a little down on ourselves. A survey of all super fund members has found that those with smaller self-managed super funds […]

Take control and avoid super pain

  Bruce Brammall, The West Australian, 30 October 2017 It can be a headache of super proportions. And once thought about is something too many banish from their minds. “What should I do to make my super really work for me?” In recent weeks, you have probably received your annual super fund statements. Most will […]

The super cases for insurance

  SUMMARY: Insurance is an important consideration in super, despite industry arguments. Here’s what you need to consider. Life insurance is fighting a rising tide of discontent, predominantly caused by too many scandals. Insurance in super, even more so, is on the nose. Industry-led attempts to “fix” the current opt-out rules have not been well […]