Enough is enough

lets cut out the financial jargon…

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Rebuilding Ireland Home Loan

Rebuilding Ireland Home Loan is a new initiative that was launched by the government in early 2018. The idea is that people who meet the criteria get to borrow money from the government to buy or build their first home. There are three major advantages to the loans...

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Cost of Education

Zurich Life Ireland have just released their research into the cost of sending a child through Primary, Secondary and 3rd level. Given we are a country that claims to offer free education, people may be surprised to learn that Zurich’s findings suggest that, assuming...

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How you are going to get over €1m

Every worker in Ireland is going to get money. Some people will get large amounts some people will get smaller amounts. If you are of average age and earning the average salary, which according to CSO figures released recently is 37.4 years of age earning €37,646, you...

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This Crowded House

Adult children at home? Tips to help YOU move out: RTE2 THIS CROWDED HOUSE WITH BRENDAN COURTNEY can help! The property market is in crisis. Every week the headlines are dominated by stories of rising house prices or people sleeping out overnight to buy a new build....

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Scams

The world of scams is forever getting more and more sophisticated, it has always been the case that scammers are opportunistic. In the current environment the one that is doing the rounds is where people trying desperately to rent a home are told to transfer money to...

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Specified Serious Illness Cover

The only 3 things you need to know about Specified Serious Illness Cover ​ This Monday marks the start of International Men’s Health Week (MHW) 2018. MHW gives everyone an opportunity to encourage men and boys to take better care of their health and to seek help or...

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The kids are going to cost me how much?

The cost of raising a child obviously varies depending on lots of different factors. Surveys over the years are broad and varied and I have seen figures relating to Ireland from €15,000 for year one to €550,000 from cradle to grave. In Prosperous we are privileged...

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It can take 21 years to save for a house!

If you are living in Dublin and renting it is likely it could take you as long as 21 years to save just to get the deposit together for a house. Research carried out by Prosperous Financial using figures from Daft.ie, numbeo.com and other respected sources has found...

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Is Renting A Barrier to Necessary Financial Advice?

The current housing crisis has been discussed by far more qualified commentators than me over the last 5 years, but less focus has been on the unforeseen and (as yet) unaddressed by-products of this situation – an absence of financial advice.For most people,...

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Dublin’s Rental Crisis

I believe that the millennial generation is not rejecting home ownership, they are rejecting the servitude and constraints that traditional housing models and mortgages impose.Last weekend, former Bank of Ireland chief Richie Boucher told an interviewer that...

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Clearing Debt

In Debt? Time to sort it!There are varying degrees of debt you can find yourself in, however how much money you owe is relative to you. Just because you owe €2000 and somebody else owes €102,000 doesn’t mean your €2000 isn’t causing you as much or more stress than the...

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Can we save €1000 in 60 minutes, again?

This time last year in early January 2017 I did this piece where I tried to save a fictitious couple €1000 in 60 minutes by researching their financial products online. I managed to save them €2750 in 90 minutes. I wanted to have another go at it this year, so I am...

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Returning Goods

When you buy something, legally, it must be as described, fit for its purpose and of satisfactory quality.If you are arguing with a retailer about something you should be careful if your argument doesn’t fall under one of these headings because if it doesn't you are...

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Top Tips for Companies (and their employees) at Year End!

Gift VoucherAs an employer did you know you can buy your employees a gift voucher to the value of €500 and you won’t have to pay employer PRSI on it and it is an allowable expense for tax purposes. You can do it once a in a calendar year and the €500 is per employee....

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Looking to get on the Property Ladder?

This is a tough time for people looking to get on the property ladder. A lack of supply of property coupled with rising prices of those available it really is tougher than ever before. Add on top of that the central bank rules on lending and a banking sector who are...

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The Behavior Gap

Your investing behavior matters. It matters because making some of the classic behavioral mistakes has cost average investors close to 7% per year—over half of their potential earnings.If you purchased the average stock mutual fund in 1984, held on to it for 20 years,...

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The 7 Deadly Investor Sins!

I completed a B.Comm degree in 1984 and went in search of a job. I got one in the insurance industry and have been involved in this industry ever since – 33 years.  That’s a long time!Like many industries, I’ve witnessed radical changes during that time, most,...

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We Don’t Beat the Market. The Market Beats Us

How does investor behavior affect real-life returns? For years, companies like Morningstar and Dalbar have done a bunch of studies on this question. Their studies try to compare the returns investors get to the returns investments get.But is there a difference? You...

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The trillion-dollar question.

How expert is the person managing your pensions and investments? Can they beat the market? And if not, what on earth are you paying them for?The cost of investing has been getting cheaper due to an explosion in the popularity of so-called passive investment funds....

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