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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How To Spend

How To Spend

Reading media reports about Johnny Depp’s financial woes (he has allegedly come close to bankruptcy despite earning $650 million over the last decade or so thanks to a serious spending habit) it brings to mind a question we all ask, what’s the right way to spend...

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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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Inheritance Tax – What You Need To Know

Inheritance Tax – What You Need To Know

With the news that the new government may change inheritance tax rules, it’s worth pausing to consider what the current rules are, what changes could be coming, and what it all actually means for you. The Definite Bad News Not only has Ireland the highest ‘death...

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Why You Should Own Your Own Home

Why You Should Own Your Own Home

While scarcity and affordability is a major problem for many young people considering buying their first home, there remain many reasons why you should strive to own your own home. 1. Inflationary Asset Although inflation is at cycle lows right now, it will return. It...

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