Research carried out in Ireland found that those who receive impartial financial advice have Double the savings and investments compared to those who don’t get advice. In addition, they are more financially protected, have higher valued pensions and feel more financially confident about their future. Financial advisors need to earn a bachelor’s degree to qualify for...
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Incomes and bills may have changed but the challenge of ensuring that ends meet is just the same. The first trick of the trade is to be organised – know exactly how much you have coming in and going out per month. Are you paid monthly or weekly? I...
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All Ark Life Pensions and Life Insurance policies are being transferred to Irish Life. If you did your Mortgage Protection, Life Insurance or Pension through AIB Bank then it is probably with ARK Life. Now is a great opportunity to have your ARK Life Policy reviewed to ensure you have a...
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The packaging on cigarettes has been changed for years now, and if anything, all it’s done is train smokers to steadfastly ignore the big rotten tumour on it. The massive jump in the price of cigarettes over the last few years has probably done more to dissuade you from...
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The glow of Wage Subsidy supports has been dimmed with the arrival of tax bills. What if there was a solution to mitigate those liabilities without impacting other taxpayers? Many beneficiaries of the Temporary Wage Subsidy Scheme and Employment Wage Subsidy Scheme were taken by surprise when they received...
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Thousands of credit union members across the State are being asked to withdraw some of their savings, as caps are being applied to deposit accounts. Some are imposing saving limits as low as €15,000. The move is being blamed by credit unions on the costs charged to them by...
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Reminder and Heads Up for anybody that has Sterling Notes at home. Paper £10 and £5 banknotes have already been withdrawn and, old paper £20 and £50 notes will become invalid for use from September 30, 2022. The change is a bid to eliminate counterfeit money that is...
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In an era of increasing scheme regulatory complexity and cost it is now possible to have an external trustee who can bring expertise to scheme governance hence mitigating the risk and obligations on you. For example Zurich life have Zurich Trustee Services Limited (ZTSL) ZTSL, a separate legal entity...
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Retirement Planning – Planning for retirement is more important now than ever. The long period of lockdown will have given many of us a foretaste of retirement and the challenges faced when income is short and time is long! With the State Pension (Contributory) in Ireland only worth €250...
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With both Ulster Bank and Bank Of Ireland closing branches in Co. Clare it is imperative that you consider your options for your savings, investments, pensions and Life Insurance policies. Whilst my heart goes out to the bank staff having received terrible news regarding their futures their bosses have...
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