It’s not about up-sizing or down-sizing; it’s about right-sizing

It’s not about up-sizing or down-sizing; it’s about right-sizing

I’ve written recently about downsizing later in life with the emphasis on there being a financial necessity for it. But you may not be in that situation. You may have an opportunity to design your future living arrangements to be just what you need. My message: start planning now.

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LifeLoan on Liveline

LifeLoan on Liveline

How is it that every person who tells you about something they heard on Joe Duffy starts with “I don’t normally listen to Joe Duffy”?

I happened to hear part of the show recently and the listener’s story raised a couple of questions for me and, I think, will for you. The woman’s story was about how her parents had taken out a Bank of Ireland equity release loan in their later years, and the consequences it had for her.

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Crazy enough to change the world?

Crazy enough to change the world?

I was one of nine children so there was no such thing as food waste in my house growing up. That’s why I was shocked by Sylvia Thompson’s article in The Irish Times a couple of weekends ago. Ireland’s food culture has changed dramatically since the eighties. Households and businesses are literally just throwing money away every year. According to Thompson’s article, it’s easier to waste food than to give it away. In an age where global malnourishment affects millions and our natural resources are being strained to capacity, why do we Irish feel it is acceptable to waste this precious life-sustaining resource?

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The AIB IPO was never about value. It was always about risk.

The AIB IPO was never about value. It was always about risk.

Did you consider buying AIB shares? Today I’m going to share with you the two most important questions you need to ask when weighing up an investment decision, and neither one of them is ‘What’s the return?’.

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Death and Taxes, or Taxes on Death?

Death and Taxes, or Taxes on Death?

Happy Father’s Day to all you dads out there. This week we’re discussing looking after your children and being a little smarter with your money. Drop me an email if you would like to know more.

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Adviser or salesperson?

Adviser or salesperson?

Today I’m going to tell you an all-too-familiar story that proves that the adage caveat emptor – buyer beware – applies to financial products as much as to physical goods.

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The kick up the backside I needed

The kick up the backside I needed

Last week my mother and I went to London to visit my dying Godfather. Seeing Uncle Tom lying in his hospital bed, so frail and vulnerable, made me think about my own life, and death. None of us know the day or the hour, so what can we do now to make sure we don’t leave our dependents floundering when the inevitable happens?

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Enda Kenny’s number is €3 million, what is yours?

Enda Kenny’s number is €3 million, what is yours?

Did you hear that on retirement our Taoiseach Enda Kenny will get a pension worth €3 million? If you’re anything like me, you’ll be comparing that figure to your own. This week, I’ll explain why it really doesn’t matter what he or anybody else retires on, even you, unless you know one very important thing.

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The Precarious Nature of Buy-to-Let

The Precarious Nature of Buy-to-Let

This week, in answering the question ‘Is buy-to-let right for you?’, I tell you about my sorry experience with it. Looking back, I can’t understand why I didn’t get proper advice for such a major investment. The good news is you can learn from my mistakes, and maybe even your own.

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A neighbour won the lotto last week

A neighbour won the lotto last week

This week we look at what impact winning the lottery may have on our lives. We have all had *that* conversation: what would you do if you won the Lotto? We are faced with immediate financial decisions and a sense of urgency. I suggest we should apply that same sense of urgency to our own finances, regardless of a Lotto win.

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