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Tag: financial advice

Use the early down time to make the financial calls

Bruce Brammall, The West Australian, 29 January 2024 Sometimes you’ve got to just rip the Band-Aid off. Too much time passes from when you start to think about a decision you know you need to make, or accept, and actually implementing that decision. Everyone has stuff in your life that, right now, you’re yet to […]

Relax knowing all the hard work is done – or is it?

Bruce Brammall, The Australian, 24 December, 2023 The last week before Christmas can be a tough one to get through – mentally and physically draining. It seemed like everyone I spoke to was falling over the line, just trying to get through to today, Christmas Eve. Sure, some jobs can be fairly cruisey heading into […]

Understand the right time frame to invest wisely

Bruce Brammall, The Australian, 17 December, 2023 Dateline: Christmas party at a mate’s house. I knew the hosts and maybe two other guests. Everyone else I was meeting for the first time. You just talk about “stuff” standing around a barbeque with strangers, don’t you? How someone knows the hosts, about their own kids, what […]

Learn the rules to get more out of your nest egg

Bruce Brammall, The Australian, 12 November, 2023 Whenever you decide that you like something enough to want to become really good at it, what do you do? You study it. You find out what the real point of it is. You listen to the experts. You find out what separates the great from the good. […]

Is now time to fix?

Bruce Brammall, The West Australian, 23 October, 2023 It’s kinda nice to hear a big bank boss have a bit of a bitch about his competitors. Accusing them of writing “uneconomic” loans that were “destroying value”, Commonwealth Bank’s Matt Comyn last week admitted he’d lost market share during a pricing war earlier this year. “Oh, […]

Go against the grain – Breaking free from the herd could be financial

Bruce Brammall, The West Australian, 9 October, 2023 Debt Man There’s little harder than reprogramming your brain to do what it really doesn’t want to naturally do. Telling your brain to say “go”, when every muscle in your noggin is saying “no” …  when everyone around you is saying to do one thing, making the […]

The super game is better played as a team of two

Bruce Brammall, The Australian, 30 July, 2023 Superannuation is usually seen as an individual’s life-long struggle to work the odds, to create their best retirement. But if you’re part of a couple, continuing to play the super game as a single means you’re probably missing opportunities. You don’t know, or haven’t read, the rules properly. […]

How “mortgage prisoners” can taste freedom

Bruce Brammall, The Australian, 23 July, 2023 Life would be so much easier if history read a little more like “An Idiot’s Guide to the Future”. Arguably it should. I mean, how many different variations of “mistakes” and “stupid” and “avoidable errors” can life hold? Homeowners would certainly love a reliable playbook to deal with […]

Why now is the best time to grow your super

Bruce Brammall, The Australian, 16 July, 2023 Some statistics deliver a brutal, stinging, reality. They hit home, right in the guts. Giving you life regrets, priorities you maybe got wrong. I saw some the other day about parenting that did exactly that. Sat me on my bum. By the time your kids are 12, you […]

Tony’s proved it is never too late

Bruce Brammall, The Australian, 3 July, 2022 Determination. Like so many aspects of life, it’s the key to building wealth and creating a better lifestyle for Future You. Those who want change bad enough will make it happen. They start channelling improvement and change comes. Sometimes it comes from wanting something better. And sometimes it […]