Thursday, 30th March 2017
Social media Waterford Today on Twitter Waterford Today on Facebook

Wednesday, 15th March 2017

John Smiles

Qualified Financial Advisor

How might a serious illness impact my financial well-being?

If you were suddenly affected by a serious illness like cancer, heart attack or stroke, it would have a significant bearing on your ability to maintain your lifestyle and provide for your dependants. Apart from the shock and confusion on diagnosis, a serious illness may affect your ability to work again or you may have to reduce your work hours significantly, leading to a substantial drop in income. This drop in income could in turn impact on your ability to continue meeting your day to day expenses and overheads, such as mortgage and other loan repayments.

If you are an employee and pay PRSI, the social welfare Illness Benefit or Invalidity Pension may replace part of this lost income. However, the benefits are low and if you are self-employed you

Read More »

Wednesday, 15th March 2017

New research conducted by Peter McVerry Trust, the homeless and housing charity, shows that 62% of people are in favour of a tax on empty homes. The charity, which has had a long running campaign on empty homes, derelict sites and underused spaces is now urging the Government to bring forward legislation to introduce an empty homes tax in Ireland.

Pat Doyle, CEO of Peter McVerry Trust, said “Peter McVerry Trust welcomes the results of the poll which shows 62% of people, a clear majority, are in favour of an empty homes tax being applied.”

“We strongly believe in the merits of an empty homes tax because it will encourage the owners of empty homes to either take up existing grant schemes or place their properties on the market. Ultimately, an empty homes tax will result in an increased number of homes

Read More »

Wednesday, 8th March 2017

Michael Garland, bizBoost Chair,

Waterford Business Group

A flag worth flying, but few know from where!

Last weekend, Waterford City hosted the annual 1848

Tricolour Celebration - a weekend event which commemorates the first ever raising of the Irish Flag, by Thomas Francis Meagher, at 33 The Mall.

The actual date that TF Meagher raised the tricolour was the 7th March 1848.

Meagher had a colourful history which is well documented in our Bishop’s Palace museum. He was born in what is now the Granville Hotel, educated in England, sent to Tasmania by the “Empire”, fought on the winning side in the American Civil War and is attributed with “Founding” the 69th Brigade. A pallbearer at

Lincoln’s funeral, involved in politics in Montana, he mysteriously disappeared after “Falling off” a steamboat into the Missouri River and his body was never recovered. It is these

International connections, which the

Read More »

Wednesday, 8th March 2017

John Smiles

Qualified Financial Advisor

Why do people use the Best Doctors service?

Aviva Ireland introduced the Best Doctors service to its policyholders in 2007. The service is available to the insured person, their spouse or partner, their children up to age 18 (or 23 if in full time education), their parents and their spouse or partner's parents. The types of policy covered under this service are: Mortgage Protection, Term Insurance, Specified Illness Cover, Pension Term Protection and Executive and Personal Income Protection policies. The service gives access to the world's top medical specialists when most needed, providing the ultimate peace of mind and is available at no extra charge.

When a serious illness strikes, it is clear that confusion, concern and doubt are key themes, which is why, for many protection customers, their journey to the best possible outcome will start with a

Read More »

Wednesday, 8th March 2017

Traditionally, those in rented accommodation have been less likely to insure their home contents, than those in owned homes. However, the lack of housing supply in certain areas of the country currently means that for many, buying their own home now seems like an unachievable aspiration. As a result, many families are creating a home for themselves in rented accommodation and amassing all the furniture, fittings and personal effects that come with making a family home.

Because of this, experts at http://www.insuremyhouse.ie say that it’s more important than ever for tenants, particularly those that are past the student or young adult stage, to consider putting appropriate financial protections in place to protect themselves against risk. The home insurance experts believe that as much as 50% of renters may not be insured.

Jonathan Hehir, Managing Director at http://www.insuremyhouse.ie explained,

Read More »

Wednesday, 1st March 2017

Michael Garland,

bizBoost Chair,

Waterford Business Group

They’re off and running... oh wait... maybe not!

Enda Kenny has announced that he will give clarity to his abdication, once he returns from his “Day of Destiny”, with President “The” Donald Trump. He will hand over a

Waterford Crystal bowl, filled with Irish Shamrock, after the customary St. Patrick’s Day celebrations.

I am pretty sure that White House protocol dictates that any plant or food presented as a gift is “Taken care of”, or destroyed by the Secret Service. What a sad sorry end to a not insignificant symbol signifying an actual long lasting friendship! I hope that at the very least the Waterford Crystal bowl remains intact, in the Oval Office next to Sir Winston, filled with M & M’s or Skittles!

Apparently, Enda managed to make his 11 minute announcement, at the weekly Parliamentary Party meeting, without

Read More »

Wednesday, 1st March 2017

John Smiles

Qualified Financial Advisor

Models and Reality

Without thinking about it, we make a lot of decisions about the world around us based on models that are only approximations of reality. For example, if you check the weather forecast before you leave home, you are relying on many imperfect assumptions in a meteorological forecasting model. This and other models can be helpful to an extent, but anyone who has been caught by an unexpected rain shower will know that models have their limits.

Professional investors use models to gain insights that help them make their investment decisions. But markets, like the weather, cannot be fully explained by a model that only approximates reality.

Much research is done in an attempt to improve financial models and debate often occurs over which model is “better”. These debates are unlikely to be fruitful; you cannot judge the

Read More »

Wednesday, 1st March 2017

Around the country, 14,500 small business owners and aspiring entrepreneurs expected to attend over 380 events during Local Enterprise Week in March.

The Minister for Jobs, Enterprise and Innovation, Ms. Mary Mitchell O’ Connor T.D. has welcomed plans by the Local Enterprise Offices (LEOs) to host more than 380 inspiring events around the country for an estimated 14,500 start-ups, aspiring entrepreneurs and business owners during Local Enterprise Week 2017. The focus of Local Enterprise Week is to increase awareness of the range of LEO supports and services available to micro and small enterprises.

Running from March 5th to 10th, all 31 LEOs, including LEO Waterford will be celebrating Local Enterprise Week with a range of events for start-ups, aspiring entrepreneurs and small businesses in

Read More »

Friday, 24th February 2017

Michael Garland,

bizBoost Chair,

Waterford Business Group

There is much to look forward to, in the coming weeks and months!

This unseasonably warm, dry weather, does not alter the fact that we are still in Winter! Whilst you may well have the odd Daffodil and Crocus, poking their colourful heads above ground to say “Hello”, there is every chance that we will shortly return to colder weather. Not by all accounts, such cold weather that marks February 2017 as the coldest since records began, but colder weather all the same.

Not that I wish to be too grumpy an old man, as Spring will be with us very shortly and there is much to look forward to, in the City and wider afield.

The City Council, as previously written about, have given their support to nearly 80 festivals and events. This is in addition to some

Read More »

Friday, 24th February 2017

John Smiles

Qualified Financial Advisor

What is a bond?

A bond is an IOU between an investor and a bond issuer. The issuer will normally be a Government or a company. The investor lends the bond issuer a set sum of money in exchange for a promise to pay back the lump sum at a pre-agreed date in the future and regular interest payments throughout the term of the loan.

The ratings agencies rate companies and governments so that investors can judge how risky the bond issuer is and the likelihood of having their investment repaid at the end of the term. Generally, the less financially stable the bond issuer is, the greater the interest payment – for example the US government would pay a smaller rate of interest than a small company in a developing economy.

If you buy the bond at the date

Read More »

Facebook

Letters to the Editor

  • OUR VIEW

    Attack in LondonThe recent Islamist terror attack in London is the latest reminder that the extremists have not gone away and have not given up. As one commentator succinctly put it the weapons at the man's disposal, a car and a knife, are the sort of implements that everyone in the country has access to. In that context it is becoming much clearer that it is the environments in which these people are allowed to grow and develop their warped ideologies that are the most pressing areas of concern when it …

    read more »

Weekly Poll

eskişehir escort

escort eskişehir

alanya escort

wso shell url tara mass alexa sorgula base64 decode hacklink satış wordpress themes youtube mp3 download eskişehir escort escort eskişehir porno film izle sikişme videoları tecavüz izle sikişme izle erotik video izle sex seks alanya escort