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This brochure from Dimensional Fund Advisers titled Pursuing a Better Investment Experience conveys a message in 10 steps that every investor should adhere to in their pursuit of better returns over the long term. Click on this link to access: Pursuing a Better Investment Experience

Is this the start of a move by Vulture Funds to address legacy debt issues for some homeowners. The devil will be in the detail as homeowners receiving these offers will have to overcome a major hurdle in order to gain access to funds through a new lender. Interesting times! http://www.independent.ie/business/personal-finance/property-mortgages/homeowners-could-see-160k-written-off-mortgage-as-vulture-fund-offers-huge-discount-35419888.html Source – Irish Independent … Continue reading “Vulture Funds start to deal with debt legacy”

The unsustainability of Defined Benefit (DB) Private Sector pension schemes has hit the headlines again with the vote, by Pfizer employees, for industral action. This is another worrying episode that highlights the reality for many workers as their retirement plans change. https://www.irishexaminer.com/breakingnews/business/200-pfizer-employees-vote-for-industrial-action-in-dispute-over-pensions-772074.html Source – Irish Examiner 12/01/2017

The European Central Bank (ECB) has indicated that interest rates are unlikely to increase over the short term, with some analysts stating that an increase in interest rates is unlikely before 2019. Charlie Weston’s article in today’s Irish Independent offers some comfort for mortgage holders but begs the question if this decision will pour more … Continue reading “Mortgage Interest Rate Rise On Hold”

See how Budget 2017 works for you. piba-budget-2017-update-october-2016 Source – Professional Insurance Brokers Association (PIBA) 12/10/2016

This article by Louise McBride of the Independent.ie clearly and unequivocally points out why savers, in the current low interest rate environment, need to evaluate all the pros and cons of investment products and ask the hard questions. http://www.independent.ie/business/personal-finance/savers-have-you-risked-it-all-for-a-quick-buck-35057419.html Source – Independent.ie 18/09/2016

This is an excellent document from Zurich Life which is designed to help you fully understand all your  retirement options. Click on this link: Retirement Options

Excellent article by Dominic Coyle in today’s Irish Times. The article  highlights the ever growing issue of funding gaps in many high profile Defined Benefit Pension Schemes here in Ireland with the gap now standing at €5.7bn at the end of July, up 97% since the start of the year. The article outlines the impact … Continue reading “Defined Benefit Pension Timebomb”

AIB announced this morning that it is taking steps to restore some 3,000 mortgage holders to tracker mortgages, pay refunds to these customers of the amounts overpaid while they were on a variable mortgage rate, and some may also be entitled to receive compensation. This is an initial number and more restorations to tracker mortgages … Continue reading “Tracker Mortgage News”

This article by Brian Flanagan (Taxback) contains some interesting, straight forward and concise advice on claiming Flat Rate Allowances, Capital Acquisitions (Gift / Inheritance) Tax, and the Local Property Tax. The article highlights why it pays to be informed and to know what one is entitled to claim. Well worth the read. http://www.independent.ie/business/personal-finance/why-are-some-workers-entitled-to-claim-thousands-in-flatrate-expense-allowances-34851614.html Source – … Continue reading “General Tax Advice”