Saturday, 18th November 2017
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Tuesday, 14th November 2017

Michael Garland,

bizBoost Chair,

Waterford Business Group

"It's beginning to feel at lot like Christmas!"

If truth be told, that Christmas feeling seems to begin earlier and earlier each year. In fact, it appears to start right after Halloween. Once all the reduced in price "Trick or treat" paraphernalia, such as vampire costumes, werewolf masks, gory face paint, sickly marshmallow sweets and monkey nuts are gone, they're gone.

Tinsel, baubles and Christmas trees, miraculously come out as if by magic! Even the BIG man from the North, invites us to make a list, before "Black Friday" gets us all excited whilst maxing out our credit cards. Make no bones about it, we succumb to commercialisation all too easily. Even Santa's hard working wee elves are not immune to modern day pressures.

We can see evidence of Waterford making its annual Christmas statement, with the return of

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Tuesday, 14th November 2017

John Smiles

Qualified Financial Advisor

Imputed Distribution deadlines

Holders of Approved Retirement Funds [ARF] and vested PRSAs, aged 61 or older, must take a minimum annual income from their policies in every tax year called an 'Imputed Distribution'. The rate of imputed distribution is aged related. From 61 to 74, the rate is 4% pa and from 75, it rises to 5% pa. If you have a total fund from all sources of €2 million or more, the rate is a flat 6% pa from age 61.

An imputed distribution is treated as income for tax purposes; assessable to PAYE, USC and if you are under 66, PRSI. You can write off your tax credits against this tax liability. The Qualifying Fund Manager [QFM] is responsible for paying the imputed distribution and acts like your 'employer' for the purpose of making the payments. However,

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Tuesday, 14th November 2017

The soaring cost of rent as seen in the latest Daft.ie report coupled with a shortage of supply in Waterford City and County is a major concern for local Focus Ireland Manager David Niblock.

Focus Ireland has called for more urgent Government action to tackle rocketing rents as the new Daft report shows rents have shot up to a new all-time record of €1,200 per month, with rents increasing for 21 consecutive quarters. The charity warned that, despite the Strategy for the Rental Sector published 12 months ago, Government action to address the rental crisis has had very limited impact so far.

Overall, the average rent in Waterford City stands at €797, or a massive 42% from the low point in the market. Meanwhile, the average rent in the county is €760.

Focus Ireland Waterford Manager David Niblock said: "The DAFT report clearly

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Tuesday, 14th November 2017

Part of Bank of Ireland's 17th National Enterprise Week Women in Business event taking place in Waterford on November 23rd

Bank of Ireland's 17th National Enterprise Week, themed 'Scaling Your Business', will take place from 17 to 24 November and will see up to 26 events take place across the country for SMEs with an interest in growing their business. Each unique event has been carefully planned to support specific industry sectors with experts on hand to speak about everything from trends, forecasts and opportunities to personal relevant business experience. The aim of the initiative is to promote and drive momentum for businesses in areas such as manufacturing, tourism and hospitality, agri, finance, fisheries and export markets.

These themed events taking place across the country will give SMEs the opportunity to hear from industry experts and network with like-minded businesses. In Waterford,

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Thursday, 9th November 2017

Michael Garland,

bizBoost Chair,

Waterford Business Group

Hi ho, hi ho it’s off to....

North Korea!!!!

Much of the news last week, focused on the announcement that three Irish TDs would be paying a visit to the Democratic People’s Republic of Korea (DPRK). North Korea to you and me. Yes, that madcap

totalitarian dictatorship, run by their supreme leader Kim Jong-un, will be visited by Ireland’s "Three Stooges" - Messers Ross, McGrath and Waterford’s very own Minister Halligan, will fly out, at their own expense, to the capital Pyongyang, we assume, to stop, in their own words, "The inevitable move towards war with the good old USA".

This amazing story began last week. Just like many people, I immediately checked my phone, when I first read this, to see if it was the 1st of April. I also checked that this was not a Waterford Whispers news

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Thursday, 9th November 2017

John Smiles

Qualified Financial Advisor

When will equities crash?

From 6th March 2009 to 3rd November 2017, the S&P 500 increased spectacularly from 683.38 to 2,587.84 and the FTSE 100 from 3,530.73 to 7,560.35. Many analysts have been predicting a stock market collapse based on stock markets being at all-time highs; bull markets have traditionally never run for longer than 7 years and the day of reckoning is coming.

While nothing is forever, it is very difficult to predict exactly when the next bust will occur. At a time of almost zero returns on cash and bonds, investors are understandably, not anxious to cash in their equity holdings and transfer their accumulated capital to a zero earning asset class. Why therefore, despite this conventional wisdom, do equity markets continue to grow with no sign of weakness?

The huge transfer of debt from the corporate sector

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Thursday, 9th November 2017

The homeless figures for September 2017, announced by Minister Eoghan Murphy this afternoon (but not yet published in detail) show a new record number of 8347 people homeless.

This is compared to 8,270 in August 2017, and 6,709 in September 2016.

There is also yet another new record number of children now homeless – rising from 3,048 in August month to 3,124 in September. A shocking total of 37% of the total homeless figure is now made up by children.

Focus Ireland said some great work is being done to help many exit homelessness but the charity warned that the Government is still not doing enough to prevent many more from becoming homeless.

"The Minister rightly highlights the extraordinary work which Local authorities, homeless organisations and the Department are doing in collaboration to support record numbers of households to move out of homelessness. However,

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Thursday, 9th November 2017

20 AVON COURT, AVONDALE, WATERFORD

Situated on a corner site in the mature development of Avondale, this property is a beautifully presented home offering many extras. Within a couple of minutes drive to a choice of excellent schools and the Outer Ring Road, all amenities are easily accessed together with the convenience of a regular bus service to the city adjacent.

The property itself is in excellent condition with off street parking for 3 cars and a large maintenance free garden to the rear which benefits from a south westerly aspect. Both the kitchen and entrance hall have solid birch floors. Additional features include corner site, extra large utility, adjoining garage suitable for conversion (subject to relevant pp), walled in cobblelock garden, shed, Stanley stove. PVC double glazed windows, solid fuel central heating. Asking price €165,000.

Viewings is highly recommended and is strictly

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Wednesday, 1st November 2017

Michael Garland,

bizBoost Chair,

Waterford Business Group

“Trick or treat, smell my feet!”

Now that I have reached the “GOOD” side of 50! I am rapidly become less and less tolerant! Maybe even more grumpy! In fact Mrs Garland and the rest of the Garland Clan tell me that I am turning into Victor Meldrew. Played by Richard Wilson, another Scot, in the BBC sitcom “One foot in the grave”. I don't believe it myself, though, I have to admit, I do see some uncanny similarities, particularly within certain situation, which I experience.

I am pretty sure that Victor would be sickened at the lack of effort and imagination that we witness, when we answer these knocks at the door, at this time of year. “Trick or Treat!” - sadly even these three words are largely missing from this custom. The whole process has become

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Wednesday, 1st November 2017

John Smiles

Qualified Financial Advisor

What is 'Euro Cost Averaging?'

One of the biggest dilemmas investors face is market timing. Jumping in and out of markets on a regular basis not only requires constant monitoring of daily events but also requires the skill to act on such events. Even the best fund managers avoid trying to catch the top or bottom of a market.

The fact is, it's impossible to time markets perfectly, so it's best not to try.

Most of us want to invest and achieve the best returns for our future but we don't want to put our hard earned capital at risk, just at the wrong time. Ideally we would like to improve our chances of entering the market at the right time. One way of doing this is to spread or drip-feed your lump sum into the market as opposed to

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  • OUR VIEW

    Paradise papersOne of the most surprising things about the release of the copious amounts of tax details of some of the richest people on the planet wasn't the names of the people involved but the fact that three of them were actors from Mrs. Brown's Boys. Between them the three had accounts nearing 2 million euros in off-shore accounts and let's face it, these people aren't exactly Robert De Niros or Meryl Streeps but three bog standard, and that's putting it mildly, actors, from a middling comedy serie …

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