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Wednesday, 18th January 2017

John Smiles

I’ve got my final salary

pension transfer value,

what do I do now?

So, you have received your transfer value quote and don’t know what to do next - then consider getting independent pension advice as there are a number of issues you need to think about.

It’s quite possible that DB pension transfer values are peaking, particularly if bond yields continue to rise. Companies are now ‘willing buyers’ of your pension entitlement, as they want to eliminate this liability before it fully crystallises on retirement. Any delay in moving the pension fund could result in a smaller transfer value.

If your sponsoring employer is a big, safe, blue chip company; you have a nice pension to look forward to with no hassle in terms of re-investing a transfer value, you might consider remaining in the scheme. However, today companies are under pressure to

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Wednesday, 18th January 2017

Set amidst mature woodland and just 5 minutes’ walk from Dunmore East Strand makes this three bedroom detached residence the ideal costal retreat. Located in the quaint fishing village of Dunmore East, this property comes to the market in exquisite condition after been recently fully re-furbished. It is situated minutes from all local amenities and services.

Deceptively spacious inside and finished to a very high standard throughout, the house benefits from an extra-large side entrance with the potential to extend, pvc double glazed windows, zoned gas central heating system, alarm and Phillips intelligent lighting system. Cobble-lock driveway to the front and side provides ample parking and it has lawned gardens to the front and rear. It is located at the entrance to a quiet cul-de-sac and is not overlooked.

Spacious accommodation on the ground floor consists of entrance hall, sitting room, dining

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Wednesday, 18th January 2017

Revenue recently published the latest Local Property Tax (LPT) statistics for 2016, detailing LPT Exchequer receipts of €463m and showing a continuing high compliance rate. LPT collected in 2016 included approximately €50m in prepayments for 2017, and €70m in payments for 2015 and earlier years, as well as almost €8m in Household Charge (HHC) arrears.

Commenting on publication of the latest statistics, the Collector-General, Michael Gladney, said that since Revenue assumed responsibility for collection of arrears of HHC in July 2013, more than €64m has been collected, bringing 360,000 additional properties into compliance. Referring to the continuing high LPT compliance rate, Mr Gladney said “the vast majority of property owners fully comply with their LPT payment obligations, either in a single payment or with phased payments. As long as payment obligations are being met, Revenue will automatically roll over existing payment

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Wednesday, 18th January 2017

Michael Garland,

bizBoost Chair,

Waterford Business Group

Imagine ALL the people!

“No need for greed or hunger, a brotherhood of man.”

On Saturday last, we all marched, once again, for the very basic of welfare state rights. Better cardiac care, serviced by University Hospital Waterford. I would estimate that around circa 6,000 took part in the march and I noted, perhaps for the first time on such an occasion, that there were significant numbers of “Older people” taking part. This was the silver generation getting out and voting with their feet - something that Government should be very wary of, as this generation has real teeth (well some do)!\

The social media pages have been awash with TDs’, posting pictures to let their adoring hordes know that they marched for us. With perhaps the exception of one, who has made it very clear that he will

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Wednesday, 11th January 2017

John Smiles

Qualified Financial Advisor

Are you looking for an opportunity to transform your business? We're currently looking for people and properties to take part in the next series of What does 2017 hold in store for investors?

2016 made a complete mockery of predictions and polls; the world today, according to the forecasters, would look rather different with the UK still a member of the European Union, a Clinton Presidency set for the White House and both US and UK stock markets having fallen in value. In fact, the opposite has proved true and despite several political upsets in the UK, Italy, Brazil and the US many investors made a lot of money in 2016.

The FTSE 100 rallied to an all-time closing high on Friday December 30 of 7,143 – a significant rally based on most companies in the FTSE 100 not

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Wednesday, 11th January 2017

House prices in Waterford city and county are expected to rise by 8% in 2017, a survey by the Real Estate Alliance Group has found.

Limited supply and the easing of first time buyers restrictions are expected to continue the 9.1% growth that the city – and 13.8% that the county – experienced in 2016, according to REA.

This comes as the REA Average House Price Survey revealed that prices in Waterford city had increased by €15,000 over the past year – with the average three-bed semi now costing €180,000.

Three-bed semi prices in the county rose by €20,000 to €165,000 in the same time period.

“The announcement of the easing of the Central Bank restrictions has given the market great short-term hope, but the real problem in the property lies in supply," said REA chairman Eamonn Spratt, of REA Spratt in Dungarvan.

“We are

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Wednesday, 11th January 2017

Michael Garland,

bizBoost Chair,

Waterford Business Group

Time to support our own!

One Swallow doesn’t make a summer!

It is not one good quality that makes a man!

These are certainly two sayings that could well be used to paraphrase the Festive shopping period in Waterford City. Some, quite wrongly assumed, that as there appeared to have been large numbers of people visiting Waterford in December, taking in the wonders of Winterval, exploring the architecture of Ireland’s oldest city, visiting our retailers, that businesses have, figuratively speaking, made a “killing!"

This of course could not be further from the truth. Many businesses have done well over the festive period, with the hotels, restaurants and entertainment establishments being particularly buoyant. There can be no doubt, that general retail had at best flat sales when compared to 2016 and some sales were even slightly down on last year. Many

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Wednesday, 4th January 2017

John Smiles

Qualified Financial Advisor

Is long term care

affordable?

Rising life expectancy over the last 50 years means that today’s 65 year olds can look forward to at least another 20 years of life. However, living longer raises the problem of years of infirmity requiring intensive and expensive care. Who should pay for that care has become increasingly important for individuals, government and society?

Currently, long-term care in Ireland is financed principally from general taxation and private out-of-pocket expenditure. The public health system provides both residential and community services, but current funding arrangements favour residential care.

A subvention is available for care in a private nursing home if the recipient satisfies dependency criteria and a means-test. The level of subvention currently payable is generally insufficient to bridge the gap between income and the cost of care.

An insurance policy to provide long term care was considered

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Wednesday, 4th January 2017

The Government’s recent strategy for the Rental Sector is deeply unfair to landlords who didn’t raise rents to the high levels of many of their counterparts and is flawed because it is largely informed by the RTB (Residential Tenancies Board) quarterly rent index which records less than 10pc of rentals

- according to IPAV, the Institute of Professional Auctioneers & Valuers.

Pat Davitt, IPAV’s Chief Executive says that while there are 320,000 tenancies across the country, just 30,260 new tenancies were registered in Quarter 3 2016, the period that informs the latest RTB index. “The index itself is very accurate but the quarterly reports now published cover only new tenancies within any quarter. A policy that is informed by less than 10pc of a market is no basis on which to justify such major intervention in the private housing market,” he said.

Mr

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Wednesday, 21st December 2016

Michael Garland,

bizBoost Chair,

Waterford Business Group

It’s Christmas time!

Nollaig Shona, Nadolig Llawen, Joyeux Noël, Fröhliche

Weihnachten and as we say in Scotland Merry Christmas!

Yes, yes, yes, there are only a few days left, until the Big Man dressed in red, creeps down your chimney in the middle of the night, wanders around your house, whilst you are asleep, eats your food, deposits a few presents and then leaves! Now if you think about that, logically, that’s weird and unsettling. But, “Hey Ho!” it is Christmas time and this is the only time of the year when our houses are open season for a stranger to simply waltz in.

I hope that all your letters have been sent and posted on time, by snail mail. Reaching those wee elves, who work tirelessly, 24-hours-a-day, making millions of toys, in time for a delivery deadline date of

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Letters to the Editor

  • OUR VIEW

    Republican Icon diesThe death of Martin McGuinness in Derry yesterday morning brings to an end the life of one of the most remarkable Republicans ever in the history of the movement. A person who made the transition from violent militarism to a key figure in the peace process in Northern Ireland. He died aged 66 in Derry’s Altanagelvin Hospital with his family by his bedside.A former member of the IRA’S Army Council he became Sinn Fein’s Chief negotiator in the peace process. He led the Sinn Fein P …

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