How often does it happen that you bump into an old friend in the shopping centre or at a social gathering when, not long into the conversation, you learn of their suffering or that of someone close to them? Primarily your concerns are for their well being and that they make a full recovery, but […]
A recently published survey revealed that a significant amount of our population is suffering from high levels of stress due to concerns about their financial well being. Pension planning, for example, was a serious source of stress with over 51% of respondents saying they were not saving enough for their retirement. Not knowing how to […]
Many people now own shares in publicly listed companies such as Glanbia, Ryanair, Kerry, Vodafone etc, but some are unaware that a little care and attention in managing your stocks and shares can save you a considerable amount of money in tax. Tax Shares sold at a profit or Gain incur a Capital Gains Tax liability. The current rate is […]
HOW TO INVEST A LUMP SUM As someone who has advised clients on their investment options for over 30 years, people often contact me seeking impartial and unbiased advice on how to invest a lump sum. Whether you have recently received an inheritance, successfully completed the sale of an asset or even won the lottery […]
In Part 1 of this series of articles I explained that an advisor at your bank is often tied to a limited number of financial product providers, greatly restricting the amount of choice it can provide to you the customer. Impartial Financial Brokers are not tied in the same way, and are therefore free to […]
It can be difficult to cultivate any kind of meaningful relationship with a Financial Advisor at your bank, as they can often be more focused on hitting their quarterly sales targets than in your long term financial well-being. If you are deemed worthy enough to be called in for an annual review you might also […]
If you have been offered a financial planning service or “wealth check-up” by your bank, you may be unaware that banks tend to ally themselves with a single provider or a very limited number of financial product providers, greatly restricting their ability to provide you with more choice. This often results in your requirements being […]
Keeping your money on deposit can be a good means of achieving short term objectives and access to instant cash but for longer term financial goals, however, you may want to consider other options. A good place to start in this is by taking these 5 steps: Step 1 What do you want to do […]
As a business owner you protect your property, your vehicles and equipment. And so you should because if your business suffers a catastrophic event involving these, the very financial viability of your business may be in jeopardy. But have you considered what would happen to your business if you died prematurely or if you were […]