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Tag: Buying a home

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 […]

Financial lessons start early in life

Bruce Brammall, The West Australian, 26 March, 2018 Last week, my little DebtGirl’s head was spinning Exorcist-like at her daddy – full of vile and bile – for about half an hour. Moments of it might have been truly scary to an outsider. Neighbours might have been tempted to call the cops. I was, apparently, […]

Super can become your legal tax dodge

Bruce Brammall, The West Australian, 12 March, 2018 Young people say some naïve, stupid stuff sometimes. They also do stupid stuff, think stupid stuff and stress about stupid stuff. Not all the time. (And we older types aren’t immune to acts of stupidity.) When we see or hear youngsters doing stupid stuff and call it […]

Reverting to market mean

Bruce Brammall, The West Australian, 26 February, 2018   As far as investment yarns go, there are few that I love more than an old “reversion to mean” parable. Markets have run too hard, shot too high? Surely, they must settle back for a while. Asset prices have been in the doldrums for an aeon? […]

Wealth generation best way to guarantee freedom

Bruce Brammall, The West Australian, 29 January, 2018 I guess a retirement village could be fun. If Rodney Dangerfield, playing his gregarious Caddy Shack character, was my neighbour. But Dangerfield’s dead. And I doubt, by the time I’m old enough to meet entry requirements, my golf swing could sustain a game consistently under 100. Who am I […]

Sights on property investors. Negative gearing, CGT are back in the spotlight

  Bruce Brammall, The West Australian, 15 January, 2018 Put your beer down. It’s time for an argument. This is about taxing property investors. So it’s important. Actually, hold on. If we’re going to argue about something other than whether Steve Smith deserves to be compared to Sir Donald Bradman … well, maybe having a […]

Christmas is coming! Hang in there!

  Bruce Brammall, The West Australian, 11 December 2017 Hang in there, dudes and dudettes. You’re nearly done. There’s only a week or two to go until most of us get to clock off for the year. December is the most frantic month of the year. You’ve got to squeeze in 74 Christmas parties/catch-ups in […]