Money and Happiness

Does more money make us happier? How exactly? And what can we learn from all the research on this topic? Here’s my slightly tongue-in-cheek summary of what psychologists are telling us.   Fact: People around the world exhibit a happiness U curve. We tend to be saddest...

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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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5 Bad Habits To Give Up For Lent

… and forever after. 1. Counting your pennies. Much better to forget about the pennies and think long and hard about the pounds. Or in other words, spend much more time choosing a pension provider than a utility provider. 2. Expensive credit card debt. Credit cards...

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Why You Should Ignore All Market Forecasts

In the week that RBS tells us to “sell everything” ahead of a “cataclysmic year” it’s worth thinking about whether acting on market forecasts is of any value. Here are three reasons why forecasting is a waste of everybody’s time.   1. Nobody Knows The Future Yes I...

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Are You a Churchill or a Keynes?

This week I take a tongue-in-cheek look at a few famous people who have unfortunately managed to lose everything by making what seem like simple mistakes (I’m avoiding some more recent examples closer to home). 4 Terrible Investors … Winston Churchill not only lost a...

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4 Finance Lessons To Teach Your Kids

Despite its importance in our lives, personal finance is not taught in school. This leaves the onus on us parents to teach our children how to handle money. Here’s what I will tell my kids about money before they enter the world of work. 1. Spend Wisely. It’s great to...

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A Brief Post Budget To Do List

For Irish taxpayers Budget 2016 was undoubtedly a relief after many years of austerity. And what better time to evaluate our own personal budgets and take full advantage of any taxation changes. 1. Focus on your pension The scrapping of the pension levy makes pensions...

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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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Alternative Investing : Private Equity

This is the last of a short series of blogs on ‘alternatives’ – investments in anything other than stocks, bonds or cash. We have examined the four most common alternative asset classes in general order of risk/return profile; Absolute Return, Commodities, Property...

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