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The Smart Finance email newsletter aims to bring you the latest news in personal finance and wealth
management.
Deposit
Accounts
Due to the response from clients to this article in June's Newsletter, I have decided to do a follow up as the European Central Bank increased its base rate last month
by 0.25% to 4.25%. As a result of this increase Ptsb have increased their deposit rates by 0.25% on its two variable accounts, 0.35% on its six month
fixed account and 0.30% on its one year fixed account.
Please
see below the old and new deposit rates for comparison. These deposit rates are
very competitive and judging from client feedback they are also significantly
higher than the deposit rates available from their own bank.
New Rates
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On Call
Variable
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30 Day
Notice Variable
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6 Month
Fixed rate
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1 Year
Fixed Rate
|
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4.75%
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5.00%
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5.20%
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5.30%
|
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CAR
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4.75%
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5.00%
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5.27%
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5.30%
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Source:
PTSB 22/07/2008
Old Rates
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On Call
Variable
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30 Day
Notice Variable
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6 Month
Fixed rate
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1 Year
Fixed Rate
|
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4.50%
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4.75%
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4.85%
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5.00%
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CAR
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4.50%
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4.75%
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4.91%
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5.00%
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Source:
PTSB 22/07/2008
The minimum amount needed to avail of the rates
outlined above is €50,000.
If you
would like to discuss this area further and the options available, please
do not hesitate to contact us >>
General Insurance
As part of
the process to continually improve the advice and services we offer Smart
Finance, in conjunction with one of its business partners, is now in a position
to offer you the option of reviewing all of your general insurances.
We can now
provide quotes for all of the areas listed below and we promise to do our best
to provide the most comprehensive and best priced product available. All you
need to do is to provide us with a copy of you policy schedule.
The areas
we can provide quotes for, are outlined below:
- Household
- Offices
- Factories
- Hotels
- Shops
- Professional
Indemnity
- Restaurants
/ Takeaways
- Property
Owners
- Hairdressers
/ Beauticians
- Motor
Fleet
- Taxi
Insurance
- Combined
Liability
If
you would like to discuss this area further or to get a quote, please do not
hesitate to contact us >>
Alternative Investment Opportunity
Scarcity of
oil and other natural resources, high commodities prices, pollution and the
reduction in the amount of natural drinking water available all seem to be
regular news headlines. These news headlines have impacted on our own daily
lives, to some degree, over the last few years. New
Ireland in conjunction with KBC Asset Management have designed two
investment funds to allow you to take advantage of what they believe are huge
growth areas for the future.
The flyers below outline the top ten stocks in both the Alternative Energy and Water funds. These
stocks are easily researched and are some of the biggest and
best known companies in their respective fields.
If you would like to discuss this investment opportunity or investment opportunities in general, please do not hesitate to contact us >>
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