“Frothing at the mouth”: a description of someone white hot with rage, ranting feverishly over what is usually not much of an issue. This is something I occasionally do. Sometimes for fun. Sometimes right here in this column. But mostly over topics that would bore most. Most recently, I did it last […]
If you’re a long-term property investor with a mortgage, how pissed off are you right now? Put me down for “seriously pissed off”. I just received notification from my bank to say the interest rates on my investment loans are being hiked by about 50 basis points. Half a freakin’ per cent! That’s two […]
Death has been on my mind. A little more than usual, lately. I don’t deal with death well. Not a big fan. I’m not good at dealing with the death of others. I don’t like thinking about the possibility of my own. Though I’m not stupid. I have prepared for it somewhat. My […]
In order to get my point about insurance across forcefully to a mum and dad, I usually need to kill one of them. To get singles on board, I either have to maim them in a horrific car accident, or give them a life-threatening cancer. Sounds drastic, sure. But we’re talking life and death here, […]
Default insurance coverage inside super is fuelling a dangerous “she’ll be right, mate” attitude to protection among Australian families. Too many Australians see some minor levels of insurance inside their super funds and believe they are “covered”. But default coverage levels have not taken anyone’s circumstances into consideration. Your need, or your […]
Bruce Brammall, 26th October 2016, The Eureka Report SUMMARY: Lower contribution limits and taxed pensions will be followed by harsher measures in years to come, says survey. Note to all Australians aged about 40 years and over … you have a problem. And it’s big. You didn’t have enough sex when you were younger. Selfish. […]
I hate to be the crusher of dreams, the strangler of wishful thinking. But I think it’s about time to snuff out some truly false hope. Today, I think I need to do that. To help some SMSF trustees to move on. […]
SUMMARY: Insurance inside super from next year will require a re-evaluation. Lower contribution limits have tilted the field. Life insurance inside superannuation has been a relatively simple equation for most Australians. Until now. Current higher contributions limits and the advantages of tax deductibility had meant that, for the majority, it made sense to have […]
There are some things in life I simply won’t do. There is an equal amount Mrs DebtMan also refuses to lift a finger on. Sometimes, this is simply demarcation. Lines have developed over the years. She won’t do some things because she knows I will, or she insists that it’s my job. And, equally, in […]
SUMMARY: Comminsure scandal should highlight the need for insurance for SMSFs members, not turn them off. Insurance industry scandals make the tough job of buying or selling insurance tougher – but DIY super trustees mustn’t use it to ignore their duties. The Comminsure earthquake is a disaster for the insurance industry. The aftershocks will continue […]
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