News & Articles

 

Warren Buffett’s letter to Berkshire Hathaway shareholders 2014

On 28 February 2015, Warren Buffett issued his annual shareholder’s letter. His company, Berkshire Hathaway, is now celebrating 50 years in business and a lot of his letter this year looked back at its beginnings, how it got to where it is today and what the next 50 years holds (remember, Buffett is 84 now and […]

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The Sunday Times Coverage

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What are you investing for?

In my work as a financial advisor, people come into me all the time looking for advice on what to do with their money. When I ask them “what are you investing for?”, most of the time I get a shrug of the shoulders and “I want it to grow into more money” as an […]

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Life of another cover

In last weeks blog, I suggested cohabiting couples take out life of another cover to protect themselves financially if their partner dies. People have been asking me what life of another cover is and how does it differ from normal life cover. Life of Another Cover Usually, people take out life cover on their own […]

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Civil Partnership & Cohabitanting Couples

The Civil Partnership and Certain Rights and Obligations of Cohabitants Act 2010 came into force in January 2011 but there is still a lot of confusion over what the act does and does not do. Civil Partnership Applies to same sex couples only. Must be a public ceremony with at least 2 witnesses and carried […]

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Pensions & Divorce

More and more people in Ireland are getting divorced. Along with the family home, pension funds can be the biggest asset that is divided between the separating couple. In the case of couples who divorce later in life, one spouse may have accumulated a large fund for retirement while the other has nothing at all. […]

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What happens to my pension if I die?

I have written about the different type of pension plans before. They are mostly all the same i.e. a savings plan for retirement, but there are differences such as how much you can put into a particular plan . Another difference is what happens to your pension if you die. People are afraid that the insurance company will […]

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Central Bank Mortgage Rules

The Central Bank made its announcement yesterday (27 January 2015) on the new rules applying to mortgages. These are effective immediately and are expected to be introduced under legislation in next few weeks.  The rules are: Loan to Value Rule You may borrow 80% of the value of the property for homes i.e. a 20% deposit […]

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Frustrations with Financial Advisors

Before Christmas, I asked people on the askaboutmoney website what their gripe was with financial advisors. It is very important that I know what people think so I can fix the way I run my business instead of doing things that I think people want, not what they actually want. So, here is the list […]

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Investment Philosophies – Passive Fund Management

Last week, we looked at the active fund management approach to investing. Continuing on, this week, I am going to look at another approach, passive fund management. You can them make your own mind up on which approach to use for your money. What is Passive Fund Management? Passive fund management is where a fund mirrors a particular index. They are […]

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