Sign up for simplicity

Sign up for simplicity

Complicated equals good, uncomplicated equals bad (apparently). That’s what the financial services industry will have you believe. But what if you successfully managed to uncomplicate matters? There are no negatives for you. Follow these five golden rules to simplifying your financial affairs.

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How to ensure you are not over insured

How to ensure you are not over insured

For every Euro you spend on critical illness and life assurance, you are denying yourself an income of €4 in retirement. Insurances are necessary, but many clients I advise tend to be over-insured. Today we take a look at how this happens and what you can do about it.

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Living in sin? It’s not all it’s cracked up to be.

Living in sin? It’s not all it’s cracked up to be.

Greetings from Boston, Mass. This week I’m taking a look at the consequences for cohabiting couples. Unmarried couples living together have virtually no rights when it comes to succession rights. It may not affect you, but there are many of our friends and family that are blissfully unaware of the associated risks facing cohabiting couples. Feel free to share this article too.

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The estate planning road map

The estate planning road map

I have been surrounded by an abundance of pragmatism and realism lately, particularly when it’s families facing end of life issues. I am conscious that not everyone plans ahead, so today I want to give you a couple of pointers on opening up the conversation with loved ones on estate planning and end life matters. A conversation today is not about an immediate event, only a long term inevitability.

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It feels like we are returning to 2004. Do you really want to be back there?

It feels like we are returning to 2004. Do you really want to be back there?

This week, I have the distinct impression that it’s 2004 all over again. And that’s not a nice, nostalgic feeling; it is one that fills me with dread. It’s to do with the ease of buying property. Did you know that on www.BidX1.com you can buy repossessed properties online with the click of a button? Just in the same way you would order your favourite organic olive oil. And yet it couldn’t be more different. With this purchase, more than any other, I say caveat emptor.

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When to go all-in and when to walk away

When to go all-in and when to walk away

When you play poker, be prepared to go all-in. If this strategy morphs into your personal investment strategy, walk away from the table now. The risk of going all-in is too great.

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Banking is necessary, bank are not. Here’s the proof.

Banking is necessary, bank are not. Here’s the proof.

This morning I ask who you admire. In the business world, who are your heroes? For me, it’s people who have the ability to come up with a completely new approach to something that has evolved in a certain way and which seems sacred or unassailable. Let me tell you about two young guys who are challenging banking as we know it.

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Rabodirect’s withdrawal from the Irish market is bad news for depositors

Rabodirect’s withdrawal from the Irish market is bad news for depositors

This week I lament the passing of Rabobank, technically the most secure bank given its financial rating. Whether you had money on deposit with Rabo or not, its departure on 16th May puts the security of the remaining Irish banks in the spotlight. Let’s assume you have not given too much consideration to an Irish bank going bust. What are the consequences for you? Read on.

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Are you going to end up old and broke?

Are you going to end up old and broke?

If you’re impacted by the snow this week, here’s a read to keep you occupied. We explore the issues with living too long – yes, you heard me correctly. Have a read and let me know if you know of anyone that has been faced with the challenges I outline.

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Getting to grips with your finances takes 10 years

Getting to grips with your finances takes 10 years

We learn facts about stuff we’re interested in pretty easily – I bet you know all about the Irish team that beat Wales yesterday – but what about stuff that’s important but maybe not that interesting to us, like stuff to do with your finances? This week, I give you three things that will have a material effect on your wealth that you really need to grasp right now.

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