If in doubt, do something.

If in doubt, do something.

There’s a reason why all the personal development and leadership coaches talk about the importance of taking action. Taking action breaks a mental deadlock. It helps us form habits. It gives us back control over an issue that may have us by the throat. This week we are looking at visual aids as a valuable tool in managing your personal finances more effectively.

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It’s time to consider downsizing

It’s time to consider downsizing

A 2016 ESRI report named Ireland the ‘empty-nest’ capital of Europe, highlighting the fact that Ireland has more people living in homes that are too large for their needs than any other country in Europe. As your kids fly the nest, you might be starting to recognise that feeling. Maybe it’s time to free up some cash for retirement.

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Whole-of-life insurance policy that lapses in your 60’s

Whole-of-life insurance policy that lapses in your 60’s

“We are where we are,” a client said to me with resignation recently. That phrase suggests that it just happened that way. There is nobody in particular to blame and that there’s nothing much we can do about it except get on with things. She was trying to explain how she ended up with an expensive, ever increasing whole-of-life insurance policy. Now she finds herself with the dilemma: should be cancel now or try to maintain the policy for ever more? Before you sign the dotted line, understand (all) your options.

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Unnecessarily complicated investments rarely work to your benefit

Unnecessarily complicated investments rarely work to your benefit

Do you have your pension or investments in actively managed funds like Irish Life MAPS? Maybe you don’t even know. Here’s something to give you pause. Active fund managers clock up more fees yet do not consistently outperform the natural, unfettered movement of the stock market. So why do we invest in them?

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