News & Articles

 

Government cashes in our Pension Fund

The Minster for Finance  published legislation last week to spend the €6.8 billion in the National Pensions Reserve Fund. This fund was created by Charlie McCreevy to pay public service pensions in the future. However, to avert the collapse of Irish banks, this fund was raided; €16bn was taken to bailout Allied Irish Bank and […]

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Why investors are like Chicken Licken

I was reading my daughter the story of Chicken Licken last night. For those who don’t remember it, an acorn fell on Chicken Licken’s head and she thought the sky was falling in, so she went off to tell the king. The hysteria spread to all the people she told along the way until they […]

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5 tips on managing your money

As a financial planner, I work with all types of people when it comes to managing money. Some are spenders, others savers, some with no debt while others are drowning in it. This week, I am going to give 5 tips on managing your money. 1. Save before you spend When that pay cheque hits […]

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Pension Charges

I’ve been meaning to write a blog on pension charges since I started blogging last year but I’ve been putting it off. Not because I have anything to hide. It’s just that it can get so complicated that it’s easy to get lost. So, if you don’t follow what I am saying, I apologise in […]

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How much insurance do I need?

There is a fine line between not having enough insurance and being over insured. After all, you can take out insurance against almost anything these days. If you take out all of these policies, you will soon find all of your money going on premiums and not enough money to spend on living. So, today […]

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Why you need business insurance

I am going to write about probably the most underused form of protection in the market, business insurance. It doesn’t matter whether you go into business with, it can be your best friend, your family or just someone you work well with. All business partners should have business insurance to avoid fallouts and potentially court […]

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How much do I need to retire?

The age old question, how much do I need to retire? There is no fixed amount on how much you need as your requirements change all the time. For example, if you have to move to a nursing home, you will need more money than if you stayed at home. If you become grandparents, you […]

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10 ways a financial advisor adds value

I am useless at DIY. If something needs to be done, I am quite happy to pay for someone to do it. My father in law however is a great at DIY (he’s the one we usually call to fix something). He doesn’t see the value in paying a tradesman, he can do just as […]

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Aviva’s enhanced annuity offering

Aviva announced last week that they want to shake up the annuity market. How will this be done? By offering higher annuity rates to everyone? No, by enhancing the rates to people who will die early; people with cancer, heart conditions or strokes. They cite the fact that 1 in 4 annuities in the UK […]

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Why don’t we make money like Warren Buffett?

Last week, I wrote about Warren Buffett’s annual letter to Berkshire shareholders. In it, he gave advice on investing. It all sounded so simple. So why do so many of us fail all the time? Surely it is easy to listen to what the world’s most successful investor advises us to do and just follow […]

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