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Wednesday, 23rd November 2016

John Smiles

Qualified Financial Advisor

Cash -

To be or not to be?

Six years ago, banks in many European countries were insolvent and having been granted bail-outs, they set about the task of repairing their balance sheets. They engaged in a massive fund raising campaign to attract deposits.

Fixed term 5-year deposit accounts could earn typically between 4% and 5% pa. At their height, 5-year rates reached 5.25% p.a. Understandably, there was a huge influx of capital into such instruments. Depositors could get a guaranteed return of 20% to 25% on their money and their original capital, up to €100,000 per person, was guaranteed under the Government’s Deposit Guarantee Scheme. It was a ‘no-brainer’ investment.

Those accounts are now maturing and the deposit interest landscape is entirely different. Interest rates in Europe and the USA are at record lows. Short term deposit rates are close

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Wednesday, 23rd November 2016

Santa arrived in style to MacDonagh Junction last weekend in a military convoy accompanied by members of the Defence Forces and led by mascot Fionn the dog. Host Edward Hayden was on hand to entertain the thousands of eager spectators who were treated to

performances by Dancewise and entertained by giant Christmas

characters from the Bui Bolg Theatre Group. Fireworks and a snowstorm created a spectacular finale to Santa’s arrival before parading customers into the centre and taking up residence in Santa Land.

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Wednesday, 23rd November 2016

As a special thank you to visitors to the Foxwood Showhome all visitors between now and Christmas will be entered in the Foxwood visitors’ weekly prize draw. To ensure that you are in with a chance of winning, when you come and view the Foxwood Showhome, Kilbarry, si ply complete the visitor questionaire. Each week one lucky winner will receive €100 Morris's voucher which will be particularly welcomed at this time of the year.

Frisby Homes are pleased to announce that the latest prize draw has been won by Niamh Tubbritt. Pictured:- James Frisby of Frisby Homes presenting €100 Morris's voucher to Niamh Tubbritt outside the Foxwood Showhome.

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Wednesday, 16th November 2016

Michael Garland,

bizBoost Chair,

Waterford Business Group

Thanks to The Donald – we all became Political Commentators last week!

There were probably more words written on last week’s US Presidential election, since records began. Just when those records began no one knows. But rest assured 8th November 2016 will go down in the annals of history, when every person with access to social media, was suddenly to become a qualified to be a Political Commentator!

As soon as the election results started trickling through, from around 02:00 on the 9th November, it became very clear that things were not going Hillary’s way. The Donald started securing more and more Electoral College votes. Was he to be the latest political force to rubbish and poo poo ALL the highly paid, soon to be extinct pollsters – oh yes he was!

When The Donald finally crossed the whitewash,

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Wednesday, 16th November 2016

John Smiles

Qualified Financial Advisor

Following Donald Trump’s unexpected win, what now for investment markets?

This result wasn’t on the cards but once again, opinion polls, bookmakers, analysts and experts alike have all called it wrong.

Donald Trump’s ascendency and the manner of the victory mirrors the sentiment expressed by UK voters in the June Brexit referendum to leave the EU. It appears that people are no longer happy with the status quo and are voting for change in overwhelming numbers.

It is difficult to predict how Donald Trump’s policies will impact the US and indeed global economies. What we can be more certain of however, is that uncertainty and change is the order of the day.

This has implications for key European elections in France and Germany in 2017 as we consider the rise of anti-immigration, extreme left-wing and extreme right-wing parties in Europe. The

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Wednesday, 16th November 2016

2, Plunkett Road Kingsmeadow Cork Road AMV€€120,000

O’Shea O’Toole presents this excellent 3 bedroom two storey end of terrace house at Plunkett Road, Kingsmeadow on the Cork Road.

- Conveniently located in this mature and sought after area on the Cork Road.

- Easy access to the city centre and all amenities, shops, schools and transport facilities.

- Lovely south facing position in a sylvan setting with mature trees and well maintained greens.

- The property has a good sized back garden and the benefit of side access.

- Ideal property for first time buyer or an investor.

- uPvc double glazed windows.

- Natural gas central heating.

Contact REA O'Shea O’Toole.

Tel: 051 876757 This email address is being protected from spambots. You need JavaScript enabled to view it. document.getElementById('cloak5adffa55f296459f7109f89915cfab81').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' +

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Wednesday, 9th November 2016

John Smiles

Qualified Financial Advisor

What is a Bulk

Purchase Annuity?

A Bulk Purchase Annuity [BPA] is a way of removing risks associated with an employer’s defined benefit pension scheme by transferring them to a policy, usually provided by an Insurer. This means that the organisation responsible for some (or all) of a defined benefit pension scheme is changed - a process sometimes called 'de-risking'. The BPA provider takes over responsibility for making payments to the members involved. Although there’s only one BPA product, organisations can decide how fully they want to embrace the principle of de-risking. You can remove some or all of the associated risks.

How a buy-in works:

These are annuity policies that usually only cover some of your pension scheme liabilities. For example, those associated with your current pensioners who are already receiving their pension payments.

Why choose a buy-in?

This type of BPA

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Wednesday, 9th November 2016

Rents rose nationwide by an average of 11.7% in the year to September 2016, according to the latest

quarterly Rental Report by Ireland's No.1 Property

Website http://www.Daft.ie This is the largest annual increase in rents ever recorded in the Daft.ie Report, which extends back to 2002. In addition, at €1,077 in the third quarter of the year, the average monthly rent nationwide is at a new all-time high.

In Waterford City, rents have risen by 11.2% in the last year and the average rent is now €735. In the rest of Waterford, rents were on average 9.3% higher in the third quarter of 2016 than a year previously. The average advertised rent is now €692, up 22% from their lowest point.

In Dublin, the annual rate of inflation in rents, in the year to September 2016, was 12.1%, its highest late since

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Wednesday, 9th November 2016


Well designed 3 bed semi detached residence in small residential development on the outskirts of Waterford city. Offering bright modern accommodation in an extremely convenient location just off the Old Tramore Road in the city within a couple of minutes drive to the outer ring road, Ursuline junior and senior schools and all amenities. Regular bus service to city. This comfortable home has the benefit of front and rear gardens set in lawn, off street parking, PVC double glazed windows, gas fired central heating. With the added advantage of an en-suite and utility, this property ticks a lot of boxes and viewings are highly recommended.

Viewings Strictly by appointment with Sole selling agents Sherry FitzGerald John Rohan.

BER Rating: C3 BER No: 109193235 Energy Performance Indicator: 203.71kWh/m2/yr

For further information contact Sherry FitzGerald John Rohan, Manor House, Cork Road,

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Wednesday, 9th November 2016

A report, commissioned by the Construction Industry Federation and carried out by DKM consultants in conjunction with SOLAS, states that construction activity could potentially generate a requirement for 112,000 jobs up to 2020.

Director General of the CIF, Tom Parlon stated at a launch in Construction House recently “Over the next 3 years, this report estimates that we will need 112,000 additional workers in construction to deliver on the ambitious targets set out in the Government’s €43billion Capital Programme, the Rebuilding Ireland Strategy and in meeting the increasing demand from Foreign Direct Investment companies for specialist buildings.

The potential prize for delivering on these strategies is huge in terms of economic growth, jobs and recovery in the regions. With a forecast of 9% annual growth on average the construction can become a €20billion industry by 2020. It can potentially employ 213,000 direct

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Letters to the Editor


    Waterford Institute of TechnologyWaterford Institute of Technology is once again making national headlines for all the wrong reasons. At the recent Public Accounts Committee meeting representatives of WIT were questioned and in turn left more questionsunanswered. The Chairman of the P.A.C. Sean Fleming, T.D.,Fianna Fail, called the failure to have up to date accounts for W.I.T. as “disgraceful”.Faced with a deficit of €15m. the financial problems facing the Institute are very …

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