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Tag: Best property investment finance

From cradle to the grave: How age and pain alter your risk profile

Bruce Brammall, The West Australian, 9 December, 2019 I’ve got a mate called Dan. Dan is generally pretty funny, very dry. Most of the time, I laugh “with” him. Sometimes, he knows, it’s “at”. Dan reckons, when it comes to investing, your “risk tolerance” is something you were born with. It’s in your DNA. And […]

Loans get easier but it pays to play hardball

  Bruce Brammall, The West Australian, 25 November, 2019 Hey, if banks needed to “phone a friend” right now, do you reckon anyone would take the call? They’re stinking more than a car full of teenage boys after a half-day basketball camp. It feels like at least one major financial institution a day is getting charged, […]

Bit of education can go a long way

Bruce Brammall, The West Australian, 11 November, 2019   A disturbing element of being a financial adviser is the financial horror stories you hear. A new face starts talking about their current position. Sometimes truly ugly scars are unveiled that might, hopefully, be healing. Too often, it’s wounds still gushing body fluids. Some make me […]

Use the Benjamin Button plan for a super life

Bruce Brammall, The West Australian, 28 October, 2019 Sometimes, it helps to look at things backwards. Gives you a different perspective. Today, that’s superannuation. Let’s look at super the “Benjamin Button” way. Start your super life at the end and work backwards. Sadly, the average person’s view of super is: “Super can’t be trusted. Be […]

Developers have a deal for you

  Bruce Brammall, The West Australian, 14 October, 2019   “Do you want to know how to create $300,000 in 14 months?” This is the opening line in an email I have received, roughly, twice a week for a year. It sure sounds good. Who am I kidding? It sounds TOTALLY AWESOME! It’s not a […]

Great benefits in getting the good oil

  Bruce Brammall, The West Australian, 30 September, 2019 I think we’d all like to believe that the older we get, the wiser we get. We want to make fewer mistakes. There are just so many damn mistakes to make in life. So many could be avoided completely by paying someone to make sure no […]

“Shock” yourself into being financially savvy

  Bruce Brammall, The West Australian, 16 September, 2019 Why are there such huge mental issues – so many of us act like complete whack jobs – around our personal finances? We’ve all seen friends do some truly psycho stuff with their money. True best friends would have locked them in a padded cell with […]

Seeking property nuggets among the dregs and dangers

  Bruce Brammall, The West Australian, 2 September, 2019 It’s a weird investment world we’re experiencing at the moment. Little seems to make sense. Cash is no longer no risk. It’s a huge risk. Your money is actually guaranteed to go backwards, after accounting for inflation and tax. Fixed interest was damn nearly the best […]

Rich old guys making laws to suit themselves

Bruce Brammall, The West Australian, 19 August, 2019 You can have too much of a good thing. Beer, pizza and chocolate are good things. But too much can cause hangovers, diabetes and zits. Zits are just plain ugly. And make you want to stay away from people. Regulation is generally also a good thing, particularly […]

Less ‘sting’ now in servicing rates

Bruce Brammall, The West Australian, 5 August, 2019 Me and my ‘hood mates were experts in killing flies with rubber bands. We’d stand just far enough away not to scare them, pull back the thick red bands against our pointer fingers and fire them off, splattering the pests all over windows or walls. Mostly outside. […]