Millennial Misery

Millennial Misery

There is no doubt that the Millennial generation (born 1975 to 1995) are now facing hardships that the luckier generation of their parents did not have to endure. Inequality Yes it’s been part of the capitalist system since the days of the ‘robber barons’ but it’s now...

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Probate In Ireland

Probate In Ireland

It’s not a subject we like to dwell on but it is important to know what happens to our money after we die. Knowing the processes involved (and how long they take) is a great motivation to structure our finances in a way that makes it as easy as possible for our...

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What Is An Annuity?

What Is An Annuity?

Many people will have heard pension conversations mention the words Annuity and ARF without understanding (or not being interested in) what they actually mean. So here goes. When you retire your pension fund first provides you with a tax free lump sum. You will...

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How Much Do I Need To Retire?

How Much Do I Need To Retire?

A question I get asked countless times is, how much do I need to retire? While there is no exact answer, and certainly not one figure that applies to everybody, there are two methodologies we can use to come to a conclusion. The Salary Method You’ll probably have seen...

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My 4 Unbreakable Rules Of Investing

My 4 Unbreakable Rules Of Investing

As we watch global stock markets once again hit all-time highs, a perennial question is, how can we become more successful investors? My simple answer continues to be, stick with my 4 golden rules below. 1. Don’t Hoard Cash Cash should be for very short term savings...

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A Financial Advisor’s Guide To Downsizing

A Financial Advisor’s Guide To Downsizing

Downsizing your home is a big decision that requires plenty of thought and planning. A large home and garden is wonderful for raising a family but it may not be the right place for you once the kids have flown the nest. Downsizing is often a very attractive...

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Our First Big Money Mistake

Our First Big Money Mistake

Our big financial errors vary by age but a recent Wall Street Journal article highlights a big money mistake than young people are making today – they are not taking enough risk. The table below is taken from that article and shows that millennials are holding as much...

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How To Save

How To Save

Saving money rather than spending it gives us no instant gratification but it is the road to eventual financial freedom. Here are some tips on how to get there. Have a budget. Make a note of exactly where your monthly income goes. Aim to have both a spending and...

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Pensions Made Simple (ish)

Pensions Made Simple (ish)

Made simple, really? OK maybe I’m setting the bar too high but I want to tell you all you need to know about pensions. I’m bored already. Wait, this is important. Just give me 2 minutes of your time. OK, go on then, why do I need a pension?  Because your income could...

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