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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Do you need financial advice?

With so many financial products available it can be difficult to compare all the options and make the right decision for you. If you are confused by what is on offer, it’s best to get professional financial advice.

You might consider getting financial advice especially if you are making long-term financial decisions, like:

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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 long-term and lost the desire to continue.

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Tricks to save big on Black Friday

The biggest shopping day before Christmas is fast approaching so you need to be prepared if you want to get the best bargains. Black Friday falls on November 24 this year.

Forget getting up at dawn, or even skipping work this year, the deals are just as good online. The first piece of advice I can give you is to not overstretch yourself financially, just because you think something is a good deal. Disappointment with the small size of giveaways in the Budget has left consumers feeling underwhelmed. This prompted a drop in consumer sentiment last month, new figures show. Consumers are cautious about their household finances but are ready to splurge at this time of year, so we have decided to give you some useful tips to follow on Black Friday.

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Small Business of the Year: Little Island Business Association Awards

Alpha Wealth, a Financial Services Company based in Little Island has picked up its third Award in less than 9 months and won an Award at the 3rd Time of asking.  In March, they were shortlisted for the “Munster broker of the year 2015” in the Irish Brokers Association Awards in Mansion House, Dublin. Last Month, one of the Directors, Rebecca O’Callaghan was shortlisted as “National Customer Service Provider Award 2015”.  On the 20th November, just passed, in their own backyard in the Radisson Blu, Little Island, Alpha Wealth won the prestigious award of “Best Small Company of the Year” in the Little Island Business Association Awards.   The Company is growing rapidly and is looking to add to its team in areas such as Financial Advisory and Marketing.  To avail of a FREE Independent Financial review in the areas of Protection, Insurance, Pensions or savings contact or ring 021-2061780.  Address is 9 Eastgate Avenue and website will give more insight into what Alpha Wealth can do for you.

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Alpha Wealth Job Announcements

We are proud to announce that we have made two key job appointments.

Tracie Mooney has been appointed as financial services manager and Rebecca O’Callaghan has been promoted to director of financial services. Tracie joined Alpha Wealth in 2015, having completed a degree in business studies and marketing. With more than ten years of finance experience, six of which in finance and administration with Permanent TSB. Tracie will manage all functions of business in Alpha Wealth, overseeing all life, pension and investment business through various platforms of personal, company and pension investors.

Rebecca O’Callaghan joined Alpha Wealth in 32013. She is a graduate of the University of Limerick with a degree in accounting and finance. She has worked for large multinationals both in Ireland and the Isle of Man. Her prior roles were in broader insurance. She has been promoted twice since joining the company and won a personal achievement award from the Irish Brokers Association in 2013.

Website Launch & Leeside Soccer Club Fundraiser

We recently had a fantastic afternoon in Zest, Little Island. Many thanks to them for hosting us. It was a magnificent day to celebrate all the hard work and dedication of our local community. Continue reading “Website Launch & Leeside Soccer Club Fundraiser”