If deposit rates are going to remain at zero, what are your options?

If deposit rates are going to remain at zero, what are your options?

This week I am sharing a question that I answered for a reader in the Sunday Independent at the weekend. This person has money to invest but is finding it hard to take the plunge. I hope I’ve helped him make a decision because while he hesitates, inflation is eating away at his cash.

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Why it’s incredible that goal-based financial planning isn’t a huge thing

Why it’s incredible that goal-based financial planning isn’t a huge thing

The complaint from many people back in the noughties was “we were just drifting along and didn’t give much consideration to the future because we were so busy”. If that was you, then do me a favour and identify a goal you can remain focused on long term. Goals-based financial planning works. Here’s why.

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When everything changes, change everything

When everything changes, change everything

Sometimes change passes us by, without us taking much notice of it. It’s necessary to be able to identify change, because when everything changes, you may need to change everything.

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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.

Bank shares are back in the news, but for all the wrong reasons. At the time of AIBs IPO in 2017, the media were at pains to talk about value. But few talked about the associated risks. Two years on, what have we learned?

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Reframing your approach to money

Reframing your approach to money

Today’s blog is about radio, rules of thumb and reframing how you think about money.
Enjoy today’s (on-time) bulletin.

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Get your house in order

Get your house in order

Most of us want to stay in our own homes for as along as we can as we age. While that part of your life might seem like a long way away as you reach retirement, my retirement series blog this week urges you to make ‘aging in place’ one of your financial goals.

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Transitioning to retirement is a once-in-a-lifetime event. Make this one change then.

Transitioning to retirement is a once-in-a-lifetime event. Make this one change then.

Did your mother ever say to you as a child, “Would you jump off a cliff if somebody told you to?” It’s not just a childish thing – we can still have that compulsion as adults to do what everybody else is doing. This week I’m looking at how you should arrange your retirement finances. Clue: it involves ignoring what everybody else does.

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Retirement Series, Part 2; Understanding the Basics

Retirement Series, Part 2; Understanding the Basics

As part of our ongoing ‘Retirement Box Set’, we move on to outlining some of the basic ingredients required before you submit your request to retire.

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Three questions to ask yourself when thinking about retirement

Three questions to ask yourself when thinking about retirement

A sound financial plan for retirement can’t be designed unless you have a clear view of what retirement is going to look like. Most of us are clear on what we are retiring from, but do we know what we are retiring to? I have three questions for you this week.

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Someone should tell Suze Orman to p**s off

Someone should tell Suze Orman to p**s off

Happy Easter! Budgeting is a hot topic in blogs and the personal finance pages of MSM – but is it a game changer? One so-called expert recently claimed that if you were to save the money you typically spend on fancy coffee, you would amass a tidy sum that many people would be happy to retire on. But she’s full of shi…

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