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 […]
I have written three articles on Custom House Capital in the last year. From the emails I have received from investors, they have all asked me the same thing, “What is happening to my money?” So I decided to find out . Central Bank Freezing Assets In July 2011, the Central Bank directed that no […]
The Central Bank issued their Consultation paper on mortgage restrictions yesterday. It’s called the Macro-prudential policy for residential mortgage lending and it sets out their proposals for residential mortgage lending in Ireland. Background 29% of loans issued in 2006 had a loan to value (LTV) of over 90%. During the boom, almost 2/3 of mortgages were […]
A few weeks ago, I wrote a First time buyers guide to getting a mortgage, outlining the basic criteria that lenders look at when you submit an application. But is is not that simple anymore, so this week I am going to look at tips for getting a mortgage. The Irish Credit Bureau Your record […]
When I take on a new financial planning client, I follow a 6 Step Process. We have our initial meeting, then I find out all about you, what is important to you, what you would love to do. Then, it a grinds to a halt. Why? Because I need to know how much does your […]
This is part two of out blog on what happened at Custom House Capital. Part 1 can be found here. Ponzi Scheme Mister Justice Gerard Hogan described Custom House Capital as “a sort of irish ponzi scheme”. Money was taken from clients accounts to pay fees, commissions, buy shares in Custom House Capital, pay French, […]
I was hoping to fit this blog on Custom House Capital into just one blog post but even with leaving out large chunks, there is just too much to fit in one post, so I will be publishing this over two weeks. It was reported in the news last week, that Bank of Ireland are pursuing […]
Planning to buy your first home is a big move. As well as the emotional side of deciding to become a home owner, there is a lot of paperwork and criteria to satisfy before a bank will give you a mortgage. This is my guide to help first time buyers guide to get a mortgage. Deposit […]
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 […]
It’s the New Year; we are all starting 2014 with a clean slate. Do you ever wonder how some people manage to get so much out of their day while you are struggling with time? After all, we all get the same 24 hours in the day. I hear it from my clients all the […]