Bruce Brammall, The West Australian, 13 November 2017 Surveys, yardsticks and statistics – if you care about your own personal finance, these are usually a staple part of your information diet. Why? Because they allow you to judge your performance. Are you tracking ahead, or behind? Do you need to work/save harder? Is there something […]
Bruce Brammall, The West Australian, 30 October 2017 It can be a headache of super proportions. And once thought about is something too many banish from their minds. “What should I do to make my super really work for me?” In recent weeks, you have probably received your annual super fund statements. Most will […]
The stakes are high, the gearing a bit dizzy … it’s a love affair that keeps Australians smitten, even though so many are so bad at this game. Property is that lump of coal that so many of us try to squeeze into a diamond. Some do. Some don’t. Me? Property became an obsession […]
If you want to scare the crap out of yourself, just for fun, go google “mortgage stress”. I did. Turns out catastrophe is about a heart beat away. Apparently, we’re all going to die. If the Reserve Bank raises interest rates, like ever, Australian households will collapse like a “house of cards”. According to […]
With a world of investment opportunity out there … why would anyone focus their attention on interest rates on savings? Why? Sadly, because everyone still needs to hold cash. As a result, interest rates, as pitiful as they are, become important for at least a portion of anyone’s wealth. I emphasise “portion”. I’ll […]
Huge financial disasters, by their very nature, come from positions where the greatest risks are taken. Sometimes, this is simply rampant stupidity. When a big punt is made and caution is thrown to the wind, along with research and due diligence. Idiocy on a grand scale. And, sometimes, everything was done right, but a little […]
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 […]
Is it possible to hold too much cash? If that sounds crazy, like a trick question, that’s because it is. And, therefore, the answer is the opposite of what you would believe it to be. Yes, it is possible to hold too much cash. Sure, we all love the folding stuff. The more you have […]
Forget the phoney election “class warfare” grabbing the headlines, with Billy claiming this and Malcolm claiming that. There’s a bigger, more important, war erupting. Generational warfare. An economic one. And your side, like many a child’s football team, was decided at birth. The year of your birth is your battle line. Falling interest rates mean […]
Finances go backwards occasionally. Precious few could say it’s never happened to them. Sometimes it’s because markets are imploding. Stock and/or property markets occasionally tank, temporarily at least flushing possibly considerable wealth down the s-bend. Other times, it’s because we’re out of work. It’s understandably difficult to move forward with no income and nothing to […]
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