Cashback offers may not lead to best mortgage deal

If you are in the mortgage market, there are four categories; first-time buyer, non-first time buyer, investor (buy-to-let), or a switcher. Different rules and criteria apply for each.

Most of the current market is made up of first-time buyers. They are in a privileged position over non-first timers as they only have to find a 10% deposit whilst for second-time buyers, it is 20% of the purchase price.

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Budget 2018

The Minister made a number of changes to the Universal Social Charge as well as an increase in the standard rate income tax bands effective from January 2018. The Minister also increased all weekly social welfare payments, including an increase in the State Pension of €5 per week with effect from the last week in March 2018.

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The Real Cost of ‘Free Education’ in Ireland?

“Education is the most powerful weapon which you can use to change the world” – Nelson Mandela.  This investment in knowledge pays the best interest, however, are our pockets being stretched too far? Have you felt the financial pinch of back to school costs? We’ve some tips to help you find it easier financially next year whether you’re the parent of a primary school pupil, secondary school student or have a child going to third level next year. As the school term starts back, parents across Ireland will be busy preparing packed lunches, laying out uniforms and helping primary school children pack their schoolbags and saying their last goodbyes to their babies who are leaving the nest for Uni. And guess what,  chances are you are underestimating the cost of sending them to school and college.

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Saving for your children’s future

We all know that the sooner we start saving for our childrens’ third level education, the more we’ll be able to help them on their way when the big day comes to start college.

Setting up a college fund savings account at this time of year can get pushed aside until it’s all but forgotten.

We all want to give our children the best possible start in life and a good education is a top priority. However, this can be a lot more costly than you might realise.

The cost of putting just one child through school and college can easily run into tens of thousands of euro. If you have two or more children, well.. enough said.

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The Ups and Downs of my Career

Having graduated with a degree in Economics from the London School of Economics, I began my career in 1995 as an Investment Banker. Twenty two and full of confidence, I found that Investment Banking was a great platform to make a lot of money! I was moving hundreds of millions of Pounds/Deutschmarks & Lira between banks which thinking back was a huge responsibility for a 22 year old!! Having worked in some of the biggest Global Banks I found after 5 years it was not something I could envisage myself staying in long-term and lost the desire to continue. Continue reading “The Ups and Downs of my Career”