Merry Christmas 2017
Merry Christmas Hello everyone, I would like to take this opportunity to send warm seasonal greetings to all our clients and everyone we worked with or for in 2017. It was an exciting year here helping more people reach their financial goals, planning for the future and working on practical financial plans for our customers. We hope 2018 brings you all peace of mind and prosperity. We will as always strive to keep you informed […]Read More
Ten Steps and you are there, mortgage approval
If you would like to know more about our simple ten step mortgage process, this week we would like to help you out. Firstly we will talk about how much you found out you can borrow, we will look at your current financial situation and crunch some numbers, from this step to the final one we will be here to walk you through the process. The next thing we will do is get you approval […]Read More
Who is going to fill their shoes?
Who is going to fill their shoes? Have you considered the impact the death of a key employee or business partner would have on your business? Business owners and their families throughout Ireland are facing this issue everyday. Some, however, are much better prepared than others. As a business owner, you protect your property, your vehicles and equipment. But have you considered what would happen to your business if you died prematurely and the financial […]Read More
Key Person / Partner
Have you considered the impact your death, the death of a key employee or business partner would have on your business?
As a business owner, you protect your property, your vehicles and equipment. But have you considered what would happen to your business if you died prematurely and the financial impact that it could have on your family and your business? Would your family stay in the business or would they sell it?Read More
Get the most from your money with a financial plan
Get the most from your money with a financial plan.
If you haven't given any thought to planning out your financial future then you should do it now. A plan can help you get the most from your money and help you achieve your goals in life. If you don’t draw up a plan, you’re more likely to end up in a financial mess. Drawing up a plan sounds tough, but it’s easier than you might expect
Here are five financial perils that could inflict serious damage if you don’t have a plan.Read More
Tax-saving for the Self-employed
If you are self-employed you must calculate your tax liability and make a payment by 31st October 2014 (12th November if registered with ROS) in respect of your:
1. Final Tax Assessment for 2014; 2. Preliminary Tax for 2015.
The good news…
You can reduce your 2014 Final Tax liability and your 2015 Preliminary Tax liability by making contributions to a Personal Pension plan or to a PRSA plan by 31st October 2015 (or 12th November 2015 for ROS users) and electing to backdate the tax relief to 2014.
John is self-employed, aged 45 years, and his Net Relevant Earnings for 2014 wereRead More
Who needs life insurance?
We don't need as much life insurance as life insurers would like to sell us! You don't want to buy insurance you don't need. Here's how to figure out whether you need it and how much you need.
To avoid buying life insurance you don't need, ask yourself a simple question:
If I die, will my family or loved ones miss my income or financial support?
That's the key question for most of us. If you can't think of anyone that you care about who depends on you financially or for other support (e.g. in the home), life insurance isn't for you.Read More
classic mortgage mistakes
There are countless articles about getting the best mortgage deal, explaining how to do it right, from finding a product that meets your needs to bagging the cheapest rate.
But, in reality, there are probably half a dozen or more ‘right’ mortgages for most borrowers – all of which would be suitable, competitive and meet their needs. Even in this restricted, post-credit crunch mortgage market, there are still many homeloans out there to choose from.
What’s just as important as finding a deal that suits you is avoiding making an absolute clanger. It’s a case of borrower beware when it comes to taking out a mortgage, because getting it wrong can cost you thousands.
Below are five major mistakes that could lead you to the wrong mortgage:
Three reasons you may be underinsured
Many of us don't take out enough insurance. It can be a costly mistake.
It is very easy to have too much insurance. Everyone, everywhere always seems to be offering you cover for this or that. But plenty of us go the other way, leaving ourselves short of cover when we need it most. Let's take a look at three simple ways that you could leave yourself underinsured.
Do you need financial advice?
Do you need financial advice?Financial products can be complicated and it can be difficult to compare options and make the right decision for you. If you are confused by what is on offer, it’s best to seek independent financial advice. You might consider getting financial advice if you are making long-term financial decisions, such as:• planning for retirement and looking at pension options;• dealing with the financial effects of big changes in your life such […]Read More