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Welcome to Bruce Brammall Financial

Tag: Offset/redraw accounts

Make the party pay

Bruce Brammall, The West Australian, 29 June, 2019 You have read it on some friends’ faces, for months, before they’ve uttered a word. It might be the slight wince when jobs or income is raised, not wanting to bring attention to themselves, or the near-whispering tone when they do speak. But through COVID-19, they’ve been […]

Property opera has a long way to go

Bruce Brammall, The West Australian, 8 June, 2019   The saying goes, “it ain’t over till the fat lady sings”. When it comes to property, understand she’s a long way from even warming up. In fact, not only has she not applied her makeup, she hasn’t arrived at the venue. Brutal honesty? She hasn’t even […]

Despite the gloom, it’s time to seek the light

Bruce Brammall, The West Australian, 18 May, 2019 How good is it when pessimists bring us all down with their negativity … but their crappy cynical predictions spectacularly fail to materialise. “In your face, Dr Doom! Back into the black hole you crawled out of and don’t darken our doorstep again with your despair.” It’s […]

Super little loophole – Rebuild your retirement savings with a tax break

Bruce Brammall, The West Australian, 4 May, 2019   It’s March 2021. Covid-19 restrictions have passed. You’ve been back at work for a while. And you’re slowly, but busily, repairing your finances. During “The Shutdown”, you raided your superannuation. Twice. Took out two lots of $10,000, before and after 30 June, under the hardship provisions. You […]

Virus pain will linger

  Bruce Brammall, The West Australian, 20 April, 2019 At lunchtime on St Patrick’s Day, my team shut the shopfront and started working from home. No more face-to-face meetings. Stop delaying the inevitable. Let’s go remote. That afternoon, as they settled in at home, I sent a text : “When’s our first day back in […]

Rough ride ahead for property markets as pandemic bites

Bruce Brammall, The West Australian, 6 April, 2019   What does the perfect storm for a property crash look like? Open your eyes and look around you. This is it. Granted, you probably can only see the same four walls you’ve been staring at for weeks, or your partner and kids, if you can still […]

What to do in super slide

Bruce Brammall, The West Australian, 23 March, 2019 There’s something far more deadly than Coronavirus. The heart attack waiting for you if you check your super fund balance. The market’s collapse is far worse than Covid-19’s damage to date. Markets are forward-looking beasts. And they’re pricing in pandemonium. Shares are down more than 30 per […]

Sit patiently with paper poised and ready to wipe floor

Bruce Brammall, The West Australian, 9 March, 2019 Mrs DebtMan and I backed the truck up to the bank a few years ago, borrowed until our noses bled, and renovated the house. We got a couple of bedrooms, a bathroom and a hangout upstairs for the kids and more space for all downstairs. But I’m […]

What’s your exit strategy

  Bruce Brammall, The West Australian, 24 February, 2019 When a grenade went off in a mate’s life four years ago, I was close enough to take some of the shrapnel. Quite a bit, actually. Being a friend, as his house was imploding around him, while dodging debris myself, I tried as much as I […]

Great first-home con job

Bruce Brammall, The West Australian, 10 February, 2019   I issued the challenge years ago. “Show me a do-gooder government package aimed at first home buyers that hasn’t actually made it harder for them.” Every time a government weighs in, they cock it up. All of the good intentions in the world lead only to […]