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Wednesday, 21st December 2016

John Smiles

Qualified Financial Advisor

Should I cash in my final salary pension?

It is calculated that the ‘return’ on a defined benefit pension transfer value for the past seven years could be as high as 25% per year— a total return of about 480%. Pretty amazing given that it was closely linked to the bond market.

Financial markets have taught us over and over again that returns of 20% + are unsustainable over the long term. Current bond yields of around zero or even negative in many cases are unsustainable and don’t make sense on a medium-term view. With Mr Trump’s expected reflationary policies, it’s beginning to look like the 30-year bond bull market might be ending - November was the global bond market’s worst month in 25 years.

In 2009, a person in their mid-40s requesting a transfer value for an expected pension

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Wednesday, 21st December 2016

Tramore Voluntary Housing Association is pleased to announce that its project to build 18 independent living units within a sheltered environment for older persons in Tramore is on track for construction to begin in 2017. The site at Ballycarnane, Tramore has been acquired from Waterford Council. “Summerhill Haven” is the name of the new development. Full planning permission has been received and grant aid of €2.4 million has been approved by the Department of Housing, Planning, Community and Local Government.

Architects, Reddy Architecture + Urbanism, have been appointed and tender documents are currently being prepared The project will go to tender in January 2017. Construction is expected to begin early in 2017 and to be completed by Summer 2018.

The board of Tramore Voluntary Housing Association would like to thank all those who have donated funds to us or who helped us

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Wednesday, 21st December 2016

The inclusion of Waterford as a ‘Rent Pressure Zone’ has been welcomed by local Minister for Training, Skills and Innovation John Halligan T.D.

Rental costs in the city will be assessed by mid-January and designation will result in local landlords not being permitted to increase rents beyond 4% per annum over the next three years.

"Rents in Waterford city have risen uncontrollably in the last couple of years and were 11.2% higher last September than the previous year, the largest annual increase ever recorded by property website ", Minister Halligan noted.

"While the new Rental Strategy certainly won't address the rental crisis in its entirety, this move will ensure that, going on this pace, annual rent hikes in Waterford can be reduced by around two thirds."

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Wednesday, 14th December 2016

John Smiles

Is spread-betting gambling or investing?

Spread betting is the term used to describe investors who trade in contracts for difference [CFD]. A CFD is a contract between two parties, a "buyer" and a "seller", stipulating that the seller will pay the buyer the difference between the current value of an asset and its value at contract time (if the difference is negative, then the buyer pays the seller instead).

CFDs provide investors with the all the benefits and risks of owning a security without actually owning it. CFDs are usually leveraged trades, so it is possible to make big bets with a relatively small amount of money in your trading account. Trading firms typically offer leverage in excess of 200:1 with some offering up to 500:1. This means if you make the right call you can win big but if you

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Wednesday, 14th December 2016

At the Council Meeting (6th December), Waterford City and County Council approved the Annual Budget which provided for no increase in Commercial Rates for 2017. Waterford Chamber has welcomed this decision by the Council, recognising that the current economic environment remains uncertain for many businesses and that any increase might have the potential to slow down the progress being made throughout Waterford going forward.

Waterford Chamber President, Laurent Borla said, “We welcome this decision by the Council and very much appreciate that it recognises the importance for the business environment to prosper in Waterford City and County over the next 12-month period. We acknowledge the efforts of the Council to support the business community and in turn this places a responsibility on us all to focus on developing the economy here in Waterford for the benefit of all concerned. We believe

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Wednesday, 14th December 2016

Michael Garland,

bizBoost Chair,

Waterford Business Group

Wonderfully Odd Waterford!

Last Sunday was a strange one for me.

It started early on Sunday morning, with me furiously trying to sew a rather old and tired Santa hat, on to the top of my helmet (cycling!). Now, I would never confess to be a dab hand at sewing and judging by the many, many Heath

Robinson repairs to socks, cycling bibs, even an old Scotland patch on my winter tights, I would never make the televised stages of the BBC’s Sew Bee programme!

Being the thrifty Scot I am, it is in my DNA to try and save something, prior to eventually having to toss it into the correctly coloured plastic receptacle.

Having somehow secured Santa’s hat, I then had to in some way attach a pair of Dame Edna Everage’s, Christmas themed, glasses to my actual cycling glasses.

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Wednesday, 14th December 2016

86, Avondale Close, Avondale, Waterford. AMV €200,000

Brought to the market by O’Shea O’Toole Auctioneers, this attractive four bedroom detached bungalow is located in Avondale Close, Waterford. Located in a quiet mature and established resident area which is convenient to schools, shops, sports and leisure facilities the property enjoys easy access to the city centre and benefits from a separate garage.


- Entrance Hall,

- Sittingroom,

- Kitchen/ Livingroom,

- 4 Bedrooms,

- Bathroom.

- Stira to attic.


- Gardens front and rear.

- Garage


- Oil fired central heating.

- uPvc double glazed windows.

- Very well maintained throughout.

- Spacious, tastefully decorated light filled rooms.

- Garage.

- Excellent opportunity to acquire a lovely detachedf bungalow in a quiet area.

- Viewing highly recommended.

- Attic and walls insulated.

Viewing highly recommen ded. Contact O’Shea O’Toole, Tel: 051 878757 or

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Wednesday, 14th December 2016

Head of Bank of Ireland for County Waterford

Pamela Pim has been appointed Head of Bank of Ireland, County Waterford. Leading an experienced team across Bank of Ireland’s branches for both business and personal customers, Pamela has leadership responsibility for generating and promoting economic activity in Waterford, across enterprise, community and branch banking.

Pamela is an experienced customer focused financial and banking service manager. She has worked internationally in senior management positions across sales, marketing and channel management positions with Lenovo, IBM and Dell computers. She also worked with Cpl Resourcing Group. Prior to her appointment as Head of County, Pamela was Waterford City Manager for Bank of Ireland.

Pamela studied Business at the College of Commerce Rathmines and holds a Certificate in Professional Advice from the Institute of Banking.

She is a Corporate Ambassador for Waterford Walls and a Director of Waterford Chamber

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Wednesday, 7th December 2016

John Smiles

Qualified Financial Advisor

What use is being made of our data?

Firms and Governments have been collecting data on people for many decades. Privacy campaigners fear how this data might be used and of how it might breach citizen’s rights to privacy. Others worry about ‘Big Brother’ with the Government spying on citizens.

Commercial enterprises tend to use collected data to understand their customers’ needs and seek to improve customer experience thus retaining their customers for longer.

With over 430,000 vehicles operating all over the world, Komatsu of Japan is one of the largest manufacturers of construction and mining equipment such as bulldozers, dump-trucks and forklifts. Since the early 1990’s their Komtrax tracking system has been tracking and recording where their machines are located and when they are working, idling or shut down.

Data from the USA shows machines seldom run on economy mode

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Wednesday, 7th December 2016

Three storey terraced retail premises which previously operated as a hair salon and beauticians, located on Patrick St in Waterford city. Enjoying a prominent location, the property is approximately 100 metres from Michael St and Broad St which are two of the main shopping districts in the city centre and home to Dunnes Stores, Dealz, Sam McCauleys, H. Samuel, Elverys Sports, Foot Locker and numerous others. The subject lies circa 300 metres from City Square Shopping Centre. Immediate occupiers include Momo restaurant, Gregory’s men’s clothing store, local phone accessory shop, The Zip Yard alteration shop, Doherty’s fish shop and the recently refurbished Omniplex.

Accommodation circa 103 sq metres comprises: Ground floor – hair salon, utility, wc. First floor – beautician open plan area. Second floor – Beauty bar and store room. The property also has the benefit of an enclosed rear

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Letters to the Editor


    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 DerryÔÇÖs Altanagelvin Hospital with his family by his bedside.A former member of the IRAÔÇÖS Army Council he became Sinn FeinÔÇÖs Chief negotiator in the peace process. He led the Sinn Fein P …

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