SUMMARY: Super, personal name or trust structure? You must consider all of the options when looking to create family wealth. There comes a time in most people’s lives where the constant struggle to stay afloat is superceded by thoughts of creating real wealth. There is spare money left over, monthly, after life’s expenses are covered. […]
Icebergs are dangerous. The Titanic’s captain showed us comprehensively. It’s not the 10 per cent that sits above the waterline, but the 90 per cent that sits below. And fish get the best view. If you’ve got a mortgage, you’ve witnessed an iceberg float past this year. Interest rate movements have been constant. In […]
Easy! Borrow until your nose bleeds, you can’t sleep at night, or you’re finding it hard to breathe. Then pay a little back. Nope. That’s definitely not the way to do it. But there’s no simple calculation either. How much borrowing is too much is as personal as a finger print. For some, the right […]
SUMMARY: Siren call of property is a Greek tragedy that is claiming far too many SMSF victims. Here’s how to save yourself. The single greatest threat to newbie self-managed super fund trustees continues to be geared property investment. It is a Greek tragedy. The luring song of the property spruiking sirens have been calling out […]
One of the under-appreciated joys of a long marriage is that you literally have a lifetime together to argue and fight. An eternal sparring partner. And arguing with your partner is a sport you can enjoy all year round. Even in the silly season. “Oh, what fun, it is to …” And those ones […]
Well, that depends, doesn’t it? Perhaps just wriggle your way into a some $10 Kris Kringles, and you’ll be right, hey bro? But, sadly, a tenner won’t wrap a six-pack of beer, a CD, or a even a decent box of chocolates. And with roughly 94 Christmas drinkipoos in the next 25 days – to […]
Wrong question. Try this one: “How much do you love your partner and/or kids?” Life insurance covers your family when you can’t fog up a mirror anymore. That is, you’re dead. An unfortunate situation to find yourself in. But even less fortunate for your family. You’re not around to earn an income for the next […]
SUMMARY: Super, personal name or trust structure? You must consider all of the options when looking to create family wealth. There comes a time in most people’s lives where the constant struggle to stay afloat is superceded by thoughts of creating real wealth. There is spare money left over, monthly, after life’s expenses are covered. […]
I’m loyal to those who are important to me. Generally, that’s family, friends, staff and clients. Those who deserve it, or have earned it. When it comes to big corporations, not so much. Unless they treat me right. Or, perhaps, don’t offend me too much. Loyal to a beer brand? Nope. I love a beer, […]
Sometimes, saving is easy. Other times, some effort is required. Occasionally, you need to have a little fight. Mrs DebtMan announced a year ago that by driving an extra five minutes each way to a different supermarket, she saved us $100 a shop. “Soooo,” came my query, “why don’t we do this every week […]
© Bruce Brammall Financial 2009 -2025
Bruce Brammall Financial Pty Ltd as trustee for the Castellan Financial Consulting Unit Trust is an authorised representative of Sentry Advice Pty Ltd (AFSL number 227748). Bruce Brammall Financial Pty Ltd as trustee for the Castellan Financial Consulting Unit Trust is not authorised to provide credit services. All credit and mortgage services referred to on this website are provided by Bruce Brammall Lending Pty Ltd (ACL number 448881). The information contained within the website is of a general nature only. Whilst every care has been taken to ensure the accuracy of the material, Bruce Brammall Financial will not bear responsibility or liability for any action taken by any person, persons or organisation on the purported basis of information contained herein. Without limiting the generality of the foregoing, no person, persons or organisation should invest monies or take action on reliance of the material contained herein but instead should satisfy themselves independently of the appropriateness of such action.