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Tuesday, 21st May 2013

John Smiles

Qualified Financial Advisor

What is financial planning?

Financial planning is about getting to grips with your money to help your goals become a reality. Start by looking at your household budget and your bills. Do you have money left at the end of the month? Are you spending too much on some things and not enough on others? Are there new expenses on the horizon that you haven't prepared for?

Financial planning isn't just about saving and investing. Taking control of your day to day budget and understanding what you spend your money on is probably the most important part of dealing with your personal finances. Until you know what you've got to spend, you can't decide what to spend it on.

Decide on your financial priorities. Are you and your family protected against the unexpected? Most people insure their homes and cars

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Wednesday, 15th May 2013

An option is a contract to buy or sell a specific financial product officially known as the option's underlying instrument or underlying interest. For equity options, the underlying instrument is a stock, exchange-traded fund (ETF), or similar product.

The contract itself is very precise. It establishes a specific price, called the strike price, at which the contract may be exercised, or acted upon. It has an expiry date. When an option expires, it no longer has value and no longer exists.

Options come in two varieties, calls and puts, and you can buy or sell either type. You make those choices - whether to buy or sell and whether to choose a call or a put - based on what you want to achieve as an options investor.

What a particular options contract is worth to a buyer or seller is measured by

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Wednesday, 15th May 2013

An option is a contract to buy or sell a specific financial product officially known as the option's underlying instrument or underlying interest. For equity options, the underlying instrument is a stock, exchange-traded fund (ETF), or similar product.

The contract itself is very precise. It establishes a specific price, called the strike price, at which the contract may be exercised, or acted upon. It has an expiry date. When an option expires, it no longer has value and no longer exists.

Options come in two varieties, calls and puts, and you can buy or sell either type. You make those choices - whether to buy or sell and whether to choose a call or a put - based on what you want to achieve as an options investor.

What a particular options contract is worth to a buyer or seller is measured by

Read More »

Wednesday, 15th May 2013

Threshold welcomes PRTB Index as "Comprehensive & Accurate Source" of Information for Tenants, Landlords and Government

Threshold, the national housing charity, has welcomed the new rent index published today (08.05.13) by the Private Residential Tenancies Board (PRTB) as the most comprehensive and accurate source of data on the private rented market.

The index, which shows rent levels throughout Ireland, is based on data collected from landlords registered with the PRTB. The index published today tracks trends in rent levels since 2007. From now on, the PRTB will publish its rent index on a quarterly basis.

Welcoming the new index, Senator Aideen Hayden, Chairperson of Threshold, said it is a valuable source of information for tenants and landlords.

"The publication of this index is a very welcome move. This provides more accurate information on rent levels for the first time," she said. "Up to now,

Read More »

Wednesday, 15th May 2013

Threshold welcomes PRTB Index as "Comprehensive & Accurate Source" of Information for Tenants, Landlords and Government

Threshold, the national housing charity, has welcomed the new rent index published today (08.05.13) by the Private Residential Tenancies Board (PRTB) as the most comprehensive and accurate source of data on the private rented market.

The index, which shows rent levels throughout Ireland, is based on data collected from landlords registered with the PRTB. The index published today tracks trends in rent levels since 2007. From now on, the PRTB will publish its rent index on a quarterly basis.

Welcoming the new index, Senator Aideen Hayden, Chairperson of Threshold, said it is a valuable source of information for tenants and landlords.

"The publication of this index is a very welcome move. This provides more accurate information on rent levels for the first time," she said. "Up to now,

Read More »

Wednesday, 15th May 2013

New National rent index reveals actual rents being paid for houses and apartments across the country

The Private Residential Tenancy Board (PRTB) have published the most accurate and authoritative rent report of its kind on the private accommodation sector in Ireland. Compiled by the Economic and Social Research Institute (ESRI), and based on the PRTB' s own register of over 277,000 tenancies throughout the State, this Index (available to view here ) reveals the actual rents being paid for rented properties, as distinct from the asking rent which features in other rent reports published by other parties.

Overall, compared to Q1, 2012, there has been a 2 per cent increase in national rents in Q1 2013 – a 2.3 per cent increase in Dublin rents, and a 0.8 per cent increase in rents for outside Dublin. However, rents in Dublin fell in

Read More »

Wednesday, 15th May 2013

New National rent index reveals actual rents being paid for houses and apartments across the country

The Private Residential Tenancy Board (PRTB) have published the most accurate and authoritative rent report of its kind on the private accommodation sector in Ireland. Compiled by the Economic and Social Research Institute (ESRI), and based on the PRTB' s own register of over 277,000 tenancies throughout the State, this Index (available to view here ) reveals the actual rents being paid for rented properties, as distinct from the asking rent which features in other rent reports published by other parties.

Overall, compared to Q1, 2012, there has been a 2 per cent increase in national rents in Q1 2013 – a 2.3 per cent increase in Dublin rents, and a 0.8 per cent increase in rents for outside Dublin. However, rents in Dublin fell in

Read More »

Wednesday, 15th May 2013

A number of Waterford based companies will be displaying their wares at Bank of Ireland branches across the country for the 8th National Enterprise Week, which takes place from 17th – 24th May. Bank of Ireland business customers and non-customers have been invited once again to ' Show Their Business' at their local branch, to have the opportunity to interact directly with customers and highlight local success stories.

According to Bank of Ireland at the start of National Enterprise Week, new and approved lending to small and medium enterprises (SMEs) has risen by over one quarter in the first three months of 2013, based on year on year figures. Bank of Ireland has already approved over €1 billion since the beginning of the year and is confident that lending for 2013 will exceed its new and increased lending target of €4

Read More »

Wednesday, 15th May 2013

A number of Waterford based companies will be displaying their wares at Bank of Ireland branches across the country for the 8th National Enterprise Week, which takes place from 17th – 24th May. Bank of Ireland business customers and non-customers have been invited once again to ' Show Their Business' at their local branch, to have the opportunity to interact directly with customers and highlight local success stories.

According to Bank of Ireland at the start of National Enterprise Week, new and approved lending to small and medium enterprises (SMEs) has risen by over one quarter in the first three months of 2013, based on year on year figures. Bank of Ireland has already approved over €1 billion since the beginning of the year and is confident that lending for 2013 will exceed its new and increased lending target of €4

Read More »

Wednesday, 15th May 2013

New Housing Standards For Landlords

Fiona Ormond

Solicitor with MJ O' Connor Solicitors,

Confederation House, Cork Road, Waterford. 051 355663 This email address is being protected from spambots. You need JavaScript enabled to view it. document.getElementById('cloak8b7b51b6dd71d21b1e2cd087a8a08ee3').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addy8b7b51b6dd71d21b1e2cd087a8a08ee3 = 'formond' + '@'; addy8b7b51b6dd71d21b1e2cd087a8a08ee3 = addy8b7b51b6dd71d21b1e2cd087a8a08ee3 + 'mjoc' + '.' + 'ie'; var addy_text8b7b51b6dd71d21b1e2cd087a8a08ee3 = 'formond' + '@' + 'mjoc' + '.' + 'ie';document.getElementById('cloak8b7b51b6dd71d21b1e2cd087a8a08ee3').innerHTML += ''+addy_text8b7b51b6dd71d21b1e2cd087a8a08ee3+'';

New Laws have just recently come into force which set out minimum standards to which landlords must comply with for rented housing. The Housing (Standards for Rented Houses) Regulations 2008 set out the minimum standards which apply to all rented properties both existing and new

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  • OUR VIEW

    The Winter OlympicsAlthough Ireland has more than it's fair share of athletes competing in the forthcoming Winter Olympics in PyeongChang in South Korea there will be very few people in the country who will be disappointed if they don't come back with a slew of medals. For a country that goes into meltdown when we get some few inches of snow every decade or so it's even amazing that we've got any athletes going to the Winter Olympics at all!The Winter Olympics just really aren't our thing, we're n …

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