Archive for the 'General' Category

My Leap of Faith

This is my 100th blog post. I didn’t know what to write about for such a significant post. But two things happened. I came across this photo which is called Leap of Faith and I looked at the calendar. Bluewater Financial Planning opened its door two years ago today (I’m writing this on Friday).  So this […]

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The Sunday Times Coverage

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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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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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Custom House Capital Update

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 […]

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Central Bank Mortgage Restrictions

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 […]

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Tips for getting a mortgage

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 […]

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Get Organised

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 […]

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