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Tuesday, 17th September 2013

John Smiles

Qualified Financial Advisor

Does Financial Advice have a value?

The Professional Insurance Brokers Association in association with Standard Life recently conducted research in Ireland to examine the real benefits of professional financial advice. Similar research has taken place in the UK and Australia and the results are consistent with earlier studies in the UK.

The financial services market has been undergoing a transformation to meet customers' changing needs. Advisers are exploring how advice is delivered and how clients value and pay for it. They are investing in higher qualifcations and are examining how they run their own business to develop a more transparent and flexible structure. Financial advice is becoming much more strategic.

- Advice from a professional can provide reassurance about your financial situation and show the real value of advice. The results of the survey are clear.

- Almost half of Irish adults (48%)

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Tuesday, 17th September 2013

With house prices showing signs of stabilisation and rising in some instances and rents also on the increase, now could be a good time for people to make the switch from renting to owning their home or to trade up to accommodate a growing family.

"There is a growing belief that low interest rates and reduced property prices are providing very good value for homebuyers and people are starting to act on that", says Nora Widger manager of Bank of Ireland Waterford branch. "People who are renting homes are now thinking about buying because it can make financial sense for them to put their money into something that they will own themselves. And in many cases they are finding that mortgage payments on a new home can actually be on a par with the rent on a similar property. For example,

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Tuesday, 17th September 2013

Waterford Sinn Fein City Councillor John Hearne has criticised the increase in gas prices by Bord Gáis.

Speaking following an announcement that Bord Gáis are to increase gas bills by over 2%, Councillor Hearne said:

"As we approach winter this is not good news for those who are already struggling to meet domestic bills.

"The elderly, unemployed, lone parent families and others on the margins are certain to feel the brunt of this price increase.

"Fuel poverty is an issue that must be taken seriously in Ireland and this price increase will do nothing to alleviate the problems that many people face, especially during the winter months.

"It is an issue that the government must take action on and must engage with volunteer and non-profit organisations.

"Government must also tackle the continuously increasing gas prices.

"The price increase does not make sense, especially in a time when

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Wednesday, 11th September 2013

What pocket money should I give my children?

A recent survey from Danske Bank details the spending habits of younger people in Ireland. Commissioned by the bank to coincide with the launch of a new website – http://www.controlyourmoney.ie – which is aimed at improving the financial literacy of Irish children, the research has revealed that 80 per cent of parents give around €27 to their 12-15 year old children every month. Almost 90 per cent of these children spend their money shopping online or on mobile phone credit, and save on average €10 a month.

The research has also revealed that only half of all parents regularly talk to their children to teach them about spending and managing their money. Teaching financial responsibility at a younger age can be extremely beneficial for your children later on. If you have children

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Wednesday, 11th September 2013

A survey of parents of young teenagers in Ireland details the spending habits of young people and reveals that most parents would like their children to learn about financial matters at school. The research was commissioned by Danske Bank to coincide with the launch of http://www.controlyourmoney.ie , a new website for teachers and pupils aimed at raising levels of financial literacy among Irish children in the 10-12 and 12-15 age groups.

According to the research, only half (53%) of all parents regularly talk to their children on how to spend and manage their money. This is despite the fact that 87% of children aged 12 to 15 shop online and 79% of all of the online purchases made by these children take place without regular help from their parent.

Maria Sheehan, Head of Communications, Danske Bank, said "In a modern

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Wednesday, 11th September 2013

A superb Edwardian residence at one of Waterford city's most enviable locations exudes all the charm that only a Period home can. Set amidst 0.3 ha (0.7 acre) private landscaped gardens on John's Hill, Mayville is a two storey detached Edwardian mansion where original features have been seamlessly blended with contemporary style. Standing at circa 280 m2, it offers truly excellent family accommodation and is for sale by private treaty with the locally-based Sherry Fitzgerald John Rohan, at an asking price of €750,000.

Constructed in 1902, Mayville enjoys wonderful south west facing views of the city with the Comeragh Mountains as a dramatic backdrop. The lower rear garden includes a large double garage which could convert to residential or office accommodation and this area might be suitable for development (subject to p.p.)

The owners of this elegantly decorated five bedroom property have

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Saturday, 7th September 2013

John Smiles

Qualified Financial Advisor

What is Best Doctors?

Being diagnosed with a serious or chronic illness can be worrying and have devastating consequences. Getting a second opinion from a medical specialist regarded as best in their field of medicine will substantially allay fears as well as reducing the risk of misdiagnosis.

People with important decisions to make about their health, or their family's health, are likely to have many questions:

- Is my diagnosis right?

- Is my medication right for my condition?

- Is surgery my best option?

- What is the best treatment?

Or they might be undergoing treatment, but their condition is not improving.

Best Doctors can help, by providing access to some of the best minds in medicine to help members get the right answers about their medical condition, diagnosis and treatment – so they have the support they need to make good medical decisions.

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Saturday, 7th September 2013

John Smiles

Qualified Financial Advisor

What is Best Doctors?

Being diagnosed with a serious or chronic illness can be worrying and have devastating consequences. Getting a second opinion from a medical specialist regarded as best in their field of medicine will substantially allay fears as well as reducing the risk of misdiagnosis.

People with important decisions to make about their health, or their family's health, are likely to have many questions:

- Is my diagnosis right?

- Is my medication right for my condition?

- Is surgery my best option?

- What is the best treatment?

Or they might be undergoing treatment, but their condition is not improving.

Best Doctors can help, by providing access to some of the best minds in medicine to help members get the right answers about their medical condition, diagnosis and treatment – so they have the support they need to make good medical decisions.

Read More »

Saturday, 7th September 2013

Leading national property group, Real Estate Alliance (REA) is moving into a new phase of growth with the announcement of a new CEO. Philip Farrell has just been appointed as Chief Executive Officer and his new role will commence this week. REA has been in operation for 10 years and with a 25% increase in size over the last two years currently now has nearly 50 offices operating under its banner across the country.

Mr Farrell, who previously held the position of Business Developer Manager of REA since 2011, replaces Eimer O'Keeffe, who will continue to work with REA as Marketing Manager. Mr. Farrell has 25 years experience in the property sector in Ireland. Philip joined REA in 2011 as Business Development Manager and held the position of acting CEO for a period in 2011. He commenced his career as an

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Saturday, 7th September 2013

Leading national property group, Real Estate Alliance (REA) is moving into a new phase of growth with the announcement of a new CEO. Philip Farrell has just been appointed as Chief Executive Officer and his new role will commence this week. REA has been in operation for 10 years and with a 25% increase in size over the last two years currently now has nearly 50 offices operating under its banner across the country.

Mr Farrell, who previously held the position of Business Developer Manager of REA since 2011, replaces Eimer O'Keeffe, who will continue to work with REA as Marketing Manager. Mr. Farrell has 25 years experience in the property sector in Ireland. Philip joined REA in 2011 as Business Development Manager and held the position of acting CEO for a period in 2011. He commenced his career as an

Read More »

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  • OUR VIEW

    No Gun ControlAs much as you might sympathize with the students and families of those who were at the center of one of the worst high school shootings in Florida last week, you easily get the impression that their deaths were all for naught. There is absolutely no way, following the 17 deaths at this shooting, that the law makers in America will bring in legislation that will see the curbing of gun use and gun ownership in that country. It is just not the American way.In actual fact if past histor …

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