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Welcome to Bruce Brammall Financial

Tag: Best property investment finance

Don’t fall into the cash parent trap

Bruce Brammall, The West Australian, 27 August, 2018   My understanding was that I should have been obscenely rich – an heir to an unearned fortune worth squillions. Piles of gold bigger than Scrooge McDuck’s. The Brammalls (or Bramalls) of Sheffield, United Kingdom, were apparently wealthy land owners during the time of the city’s peak […]

Industry clean-out is a good thing

Bruce Brammall, The West Australian, 13 August, 2018 Sometimes the rules of any game need an update. It’s just time to raise the bar. To modernise and improve. It can cause a bit of havoc. The bigger the change, the more difficult the transition. Some players will give up because they can’t adjust. Others will […]

Investment lessons to be learnt

  Bruce Brammall, The West Australian, 30 July, 2018   We’re a bit of a laughing stock, aren’t we? Some 10 years after the GFC and our little first world country’s stock market is still underwater. How embarrassment. Pathetic. The ASX/200 peaked around 6828 points and we’re still sitting around 6250 – still about 8.5 per […]

Pho food’s sake

  Bruce Brammall, The West Australian, 16 July, 2018 Cheers from Hanoi, Vietnam! This city has certainly changed in the 20 years since I was first here. More so than I have. In that time, I’ve got married, had two DebtKids, bought a few homes, changed careers, built a couple of businesses and it wouldn’t […]

Home owners, investors and Perth’s property market

Bruce Brammall, The West Australian, 18 June, 2018   It seems property markets have puffed out – and statistics everywhere seem to be declaring a turning of the tides. Sydney and Melbourne property markets have passed their prime, their use-by date. And they’re starting to get a bit whiffy. But for the West? Well, it’s […]

‘Tis the season to peer at finances

Bruce Brammall, The West Australian, 4 June, 2018 It’s a bit fresh outside. Which makes it the perfect time for our favourite indoor sports. Not that indoor sport. Get your minds out of the gutter. I’m talking about “grand final” time for your personal finances. And as most of your finances are handled via your […]

Insure that you have ‘opted in’

Bruce Brammall, The West Australian, 14 May, 2018 It sends a shocking message when the government says “you don’t need insurance”. That’s not precisely what Treasurer Scott Morrison has said. But his Budget-night release for plans on insurance in superannuation is certainly going to give off that impression. Super funds will be stopped from automatically […]

Integrity means doing no harm

Bruce Brammall, The West Australian, 30 April, 2018   Integrity. What does it mean to you? A large number of people in the financial industry don’t seem to know what integrity means. Or perhaps they do, but simply don’t possess any. Australians are understandably wondering how deep this rot runs. Is the Royal Commission just […]

Taking care of the ‘what if’ moments

Bruce Brammall, The West Australian, 16 April, 2018 It’s certainly not the first time Mrs DebtMan has asked the question. So perhaps I should start getting a little concerned. “What happens if you die suddenly?” She asked this again just last week. It was our first night of a short run without the kids (who […]

Industry or retail? Funds ain’t funds

Bruce Brammall, The West Australian, 9 April, 2018 The best wars, the ones that are absolute crackers and that grab us viewers by the throats, are those that take place over years, even decades. Tennis grand slams. The Olympics. World Cup Soccer. The Ashes. When they occur, each of these, individually, are “battles”. But they […]