What is mortgage protection?
Mortgage Protection If you have a mortgage on your family home, you are legally required (with some exceptions) to have life insurance cover to pay off the mortgage should you die before the end of the mortgage term. This is called mortgage protection cover. Most lenders offer this cover as part of their home loan package. However you are not obliged to take their cover. You can arrange such cover yourself and there are many […]Read More
What are the benefits of Life Insurance?
What is Life Insurance? It’s true that not everyone needs life insurance, however, if someone would be adversely affected by the loss of your income should you die, then you really should have some cover in place. Life insurance is a simple product designed to provide a lump sum or Monthly income payment on death. It is designed to provide your dependents with financial security on your death and ensure that they are not left […]Read More
When should you get financial advice?
The Benefits of good Financial Advice Financial Advice in Wexford When should you get financial advice? Most people could probably benefit from seeing a financial adviser, but when are the best times in your life to see one? Immediately? In ten years? Every year? Life events One answer is to say that you should visit an adviser whenever there’s a major change in your life. These are the most commonly cited changes: – Marriage – […]Read More
15 reasons why you’re broke – and how you can fix it.
Budgeting Tips Do you need help making your money last until pay day? By facing up to poor spending habits and setting yourself a budget you’ll find that not only does your money go further, but you may even have some left over. You don’t follow a budget Most Irish adults don’t have a household budget. Adding up all your income (after tax) then subtracting how much you spend each month is a good starting […]Read More
Office Administrator Vacancy Gorey
Office Administrator Financial Services– Gorey, Co. Wexford Job Summary Southeast Financial services, provide independent financial planning including Pensions, Investments, Life assurance and Mortgages. Due to continued growth, an opportunity has arisen for a Financial Planning Administrator ideally with insurance, banking or financial services experience to join our team. As an administrator you will be a key member of the team ensuring the smooth day to day running of the business and provide first point of contact […]Read More
Do I need life insurance?
*****LIFE INSURANCE IN SIMPLE TERMS*** By Philip Cullen Do you need life insurance? The answer to this question depends, ironically, on whether anyone depends on you. For example, if you have children, then yes, you probably do need life insurance – because they depend on you financially. This is the case even if you don’t work and instead are the unpaid nanny/cleaner/chauffeur/cook/secretary or superhero of the household. If you want to protect your contribution to […]Read More
Benefits of having a Will
The following outlines what we believe are the emotional, financial and practical reasons having a Will in place is a good and sensible idea. No one likes to think about death, or linger on the possibility something bad might happen but emotionally the ongoing strain of burying your head in the sand can have long term negative effects on your health and your life. Make the Will and forget about it then so you can […]Read More
Seven out of ten Irish not making a will
In a recent Irish Examiner article cited below the following findings were discovered from a survey carried out by Royal London According to The Irish Examiner and we quote ‘The survey found that 64% of respondents over 55 already have a will in place, compared with only 8% of young adults. One in five of the 1,000 respondents admitted they had not put a plan in place because they “never really think about that sort […]Read More
Case study, Life Cover peace of mind
To us all living in the moment and enjoying life seems to be our primary focus, and with good reason. No one should morbidly reflect on the ‘what if’s’ , conjur up disasters that may never happen or worry constantly that something awful will befall us or our family. But like everything in life, balance is key, the opposite to obsessive worry can be a refusal to accept reality and understand that life at times […]Read More
Women and Men think differently about retirement
In a recent survey, outlined in The Journal article , the findings showed a significant difference between how men and women think about retirement The article states “WOMEN ARE FAR less likely to be preparing for their retirement than men, according to new research in Irish pensions. While the gender pay gap is an issue that has been brought to the fore by a number of high profile cases, the gender pension gap is another […]Read More
Is it ever too late to start a pension?
In the Irish Times this month there is an in depth article outlining why it is never too late to start planning your pension. Depending on your age there are many different option and sometimes your age might determine that it is not on your mind, however it is always good to have the information at hand. So even if you have all sorts of reasons why you haven’t started saving for your retirement yet […]Read More