Phone: +353 (0) 91 756691
Do you want a top rate income tax shelter and investment against all income for 2022? If your retirement pension plan is on track, and you have a sufficient emergency fund and additional funds for investment, you may be interested in the Employment Investment Incentive......
The First Home Scheme was launched, in July 2022 in response to buyers who are paying high rents but would prefer to be homeowners. Many buyers are locked out of the property market as the macro-prudential rules require them to put up a 10% cash......
I get asked about the Fair Deal Scheme regularly, and since February this year coinciding with Covid-19 pandemic enquiries have increased. The query generally comes from two sources. The most common query comes from retirees taking control of their own financial affairs and sharing with......
We are living in a world these days that is so much different than anything we have ever experienced. The effect of Covid-19 and its’ aftermath will likely shape how we live and interact with others for years to come. It is a good time,......
According to a recent survey 6 out of 10 people in Ireland have not made a will yet 3 out of 4 people feel that it is an important thing to do. If you die without a valid Will the distribution of your estate will......
One thing I am sure of is we all have a keen eye on the future with hope in our hearts that when Covid-19 passes; and it will, things will be different. I am also sure that one thing that will be different is mankind’s......
The power of attorney gives a person the ability to give control over their financial and physical well-being to another individual that they choose. The individual who is giving out the control of their finances and other items is called the principal while the person......
The government introduced legislation in April 2014 to make it more affordable for first time buyers (FTB) to purchase their first home when they introduced the Help to Buy (HTB) Scheme. Cynics would argue that this only fueled the price of new homes further in......
This time of year self-assessed individuals are reminded of the fast approaching deadline for filing their end of year tax returns. This also presents an opportunity for pension planning and tax avoidance which can go hand in hand. There are the obvious three tax reasons......
‘WARNING: RETIREMENT RUT AHEAD’ If we needed a road sign to tell us something important about what lies ahead for the majority of our retirements, it would read simply ‘Warning: Retirement Rut Ahead’. Rut can give the meaning of furrow or pothole! It’s defined as......
Losing the ability to earn an income could be a financial headache. Your income is your most important asset as it allows you to maintain your current lifestyle, if you take a moment to think about it, the money you earn pays for almost everything you......
There are copious amounts of great material on Investopedia, a most useful resource on the world of finance. I thought it would be useful to begin this piece with a reminder of what a trusted definition of cash flow is:- INVESTOPEDIA EXPLAINS ‘Cash Flow‘......
Ireland continues to have a low rate of pension plan take-up with pension coverage in the private sector at just 40% and Tánaiste Joan Burton has recently announced that a Universal Retirement Savings group will now start developing a roadmap and timeline for the introduction......
This week, the long awaited regulation for home buyers was released by the Central Bank following their extensive consultation process. Here’s the press release. The Central Bank of Ireland today (27 January) announced the introduction of new regulations which will apply proportionate limits to mortgage lending......
Taking in all the news from around the globe this week, I was struck by seven stories which emerged at the beginning of 2015. These stories signal increased market volatility ahead and will shape the global and local financial markets for some time to come. The......
This week our population’s health in Ireland was put under the spotlight again. A study published by the British Journal of Dermatology on data compiled by the National Cancer Registry of Ireland highlighted new research indicating further evidence of the need for specified illness cover with an 80% increase in diagnosis of......
Whether you are a regular saver, a lump sum investor/depositor, a worker building your pension fund for retirement, a stock investor, a property investor and possibly some or all of the above, Blackrock’s Investment outlook for 2014 entitled “Squeezing out more juice” is full of knowledge. It gives......
Protecting your family is the concern that grips most of us from one end of the year to the next, especially families with young children and dependents. How well are you really addressing this need? Have you ever assumed that having health insurance is sufficient protection to cover life’s risks......
The Apple founder Steve Jobs died of cancer in 2011 at the age of just 56. He was infamous at Apple for having what was called a ‘reality distortion field’. This was recognized by those who worked with him and for him throughout his career.......
First ask yourself, are you a saver or someone who wishes they were a saver! We have reportedly gone from a nation of spenders to a nation of savers in a few short years. It is reported that household savings is close to €100 billion......
The OECD published their review of the Irish pension system last week. It highlights a number of risks facing Ireland’s population, not least an increase in old age poverty in Ireland. The principal risks are flagged by the recommendations for Ireland of at least an auto-enrollment pension scheme......
Gone are the days when a job for life is the norm, and gone are the days when we can all look forward to a state pension at 65. The movement in the employment market and the onus on us to manage our retirement plans......
Karl Deeter, the Compliance Manager with the Irish Mortgage Brokers recently wrote on the topic of mortgage applications for first time buyers in the Sunday Business Post 20th January 2013. His timing coincided more or less with the Permanent TSB announcement that it was going......