Back to school and starting college

College Fees My child is staring college in a few years and I am worried about the costs. How much do I need and what are my options? College costs are rising, so start saving now The cost of putting a child through college is increasing. If you have young children, you need to take action now or as soon as possible. This was very much on the minds of the parents of students during […]

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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 – […]

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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 […]

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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 […]

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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 […]

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A host of links to all things pension

This week we would like to offer you a whole host of helpful links to articles about pensions that have appeared in national press in previous weeks. We would love you to get in touch if you would like more information and if we can help in anyway at all. Are you thinking of  getting a pension plan? Do you need more information on your retirement options in Ireland. Are you close to pension age […]

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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 […]

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Zurich Study reveals lack of pension knowledge

 Zurich Life carried out a pension survey last year in order to demonstrate just how informed people were on pensions and to see what effect lack of information was having on people’s decision to start a pension and plan for their retirement. The full article and stats can be found HERE and below are some of the key findings from the survey 48% spent less than 5 hours researching pension products 40% were not well […]

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Over half of parents not prepared for college costs

Do you have a child entering third level education this year or in coming years? Are you prepared for college costs? According to Aviva’s Cost of Education Report  just under half of parents (49%) say they have made no financial preparations to meet the cost of putting their children through third level education. On average, parents expect to pay out €5,122 a year to send a child to a third level college or university. If the […]

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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 […]

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Back to school savings

Back to school savings tips Uniforms and stationary When it comes to uniforms it is possible now to shop around for better value, in the past perhaps only one supplier worked with a school and therefore you were obliged to go there even if it was more expensive.  Lately many schools encourage parents to buy a general uniform in the correct colour and sew or iron on the school crest. This can be a huge money saver as you cut out the cost of the supplier doing this work for you. A good tip is not to wait until the last minute, give yourself plenty of time and do your research, check second hand shops and community based Facebook groups. Ask friends and family if they would be willing to donate the uniform of an older child who has left school or outgrown the uniform. If you can pay to have an alterations person take down a hem, or repair a rip then do, it will work out more cost effective for you than to replace with a brand new uniform. There are many discount shops around that sell great stationary now, there is no need to go to a specific school supplies centre unless you need something specific, shops like Dealz or the Euro store have great offers. You can also buy online BOOKS Use the power of social media groups, family and friend networks and this will really save you money. You should take your time and really talk to people, reach out on Facebook, publish your child’s booklist and ask who has copies. As long as the book meets the purpose and it is not damaged then it will be fine. Encourage your child to take good care of their books and cover them together. There are many online sources that offer discounts earlier in the year that can be up to 30% at times. They also may offer free covering and delivery. It is a good idea to start to plan ahead and put a little money aside for next year’s back to school costs. Keep a note of what you spent this year, so you’ll know exactly how much you will need and factor in exam years being more expensive Saving even a small amount regularly can make a big difference. For example, saving €10 each week will add up to €560  for back to school costs next year.   You can talk to us about savings plans and all other financial matters just give us a call on 053 9420 899 or email philip@sefs.ie From Zurich see sample below , ‘ the final step in giving your child the best start is lie is by taking action now, The earlier you start saving the more money you will have available to support them as they begin their own journey. Zurich […]

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How can I protect my family if I get sick?

How would I protect my family if I was in an accident? No one likes to think about suffering an accident or a serious illness, or what would happen financially and the negative impact it  could have on your whole life.  You could never suffer an accident, you might be lucky enough to never miss any work from illness but these stats below are important to note. Because unfortunately accidents they do happen.  For instance, […]

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