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Wednesday, 12th November 2014

170pc rise in home improvements reported as homeowners invest in renovations and extensions and avail of Government tax incentives

The number of property owners opting to renovate and extend their homes has increased by almost 170pc since 2010 according to the website http://www.tradesmen.ie. The launch, earlier this year, of the Government's Home Renovation Tax Scheme has supported economic growth and employment and the website recently celebrated the 100,000th job posted on the site with a value of more than €90 million for tradesmen and the local economy. Spending on extensions and conversions remains the highest outlay in the home improvements sector and the number of homeowners opting to source building professionals to work on their properties through Tradesmen.ie increased by a significant 230% in the three year period 2010-2013.

Last October, the Government announced significant tax incentives for home improvements

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Wednesday, 5th November 2014

Qualified Financial Advisor

What is the Comprehensive Assessment of European Bank Balance Sheets?

The European Central Bank (ECB) commenced a rigorous analysis of European bank balance sheets over a twelve month period beginning in November 2013. Despite the complexity and scale of this undertaking, the central bank is set to provide lenders with the results on October 24 with a public release two days later. The test comes ahead of the ECB assuming fully responsibility for banking supervision under the Single Supervisory Mechanism in November 2014 and is another step towards full scale banking union and also includes deposit guarantee schemes and bank recovery and resolution directives.

The ECB has stated that the money transmission mechanism in Europe is broken. Despite a number of initiatives put in place, lending to individuals and especially SMEs continues to fall and the cost of borrowing varies

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Wednesday, 5th November 2014

Project supported by PCH, Tyndall National Institute, TSSG Waterford, National College of Art & Design and Vodafone Ireland

Chance to win CitySense bike by tweeting a picture to @CitySenseDublin

Internationally recognised Irish research and industry partners have announced the launch of the CitySense Project in Dublin city. A proof of concept project, an 'urban nervous system' will use sensor technology to measure everyday atmospheric conditions and how they impact on people.

The study is supported by PCH, Tyndall National Institute, TSSG Waterford, National College of Art & Design and Vodafone Ireland.

The environmental sensor and GPS equipment will be mounted on 20 Cyclone Courier bikes along with volunteers from the Dublin Cycling Campaign and will measure carbon dioxide, carbon monoxide, smoke and particulates, and temperature levels around Dublin city. The results, which once collated, will allow researchers to map information critical to the everyday

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Wednesday, 5th November 2014

The next event in Waterford City & County Council Irish Office's Tionól na nDéise series of cultural talks will take place in the Heritage Centre, Portlaw on Friday, 21 November at 7.30pm, when Dr. Micheál Ó Drisleáin will give a talk entitled "An Dr. Piaras de Hindeberg, S.J. - the Portlaw Connection." This free event will be of interest to Portlaw natives, as well as anyone with an interest in the history and the Irish language heritage of Co. Waterford. The talk will be given in Irish, and a simultaneous translation system will be in operation.

Dr Piaras de Hindeberg was a native of Portlaw and a Jesuit priest who devoted his life to the promotion and preservation of the Irish language. He spent many years collecting Irish folklore throughout the country. His largest collection came from the Co Waterford Gaeltacht

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Wednesday, 5th November 2014

A Rural Experience Tours is a family tour business based in Co. Kilkenny. The proprietor Amy Mc Donald has been offering a wide range of day trips & extended tours across Ireland since 2007 and provide informative and fun tours in a relaxed manner for all to enjoy.

A Rural Experience is a specialist tour business in Co. Kilkenny, Ireland. The proprietor, Amy Mc Donald is an experienced tour guide who's passion for Irish history & travel together with her knowledgeable & welcoming team of staff deliver tours to the highest standards. The team design & operate various tours nationwide.

Amy is studying Irish history in St. Kieran's College, Kilkenny as well as operating her tour business. Amy was employed as a tour guide in Jerpoint Abbey, Co. Kilkenny & Reginald's Tower,

Waterford before commencing her business. Amy was a finalist in The

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Wednesday, 29th October 2014

John Smiles

Qualified Financial Advisor

What is the Comprehensive Assessment of European Bank Balance Sheets?

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Wednesday, 29th October 2014

The ECB has stated that the money transmission mechanism in Europe is broken. Despite a number of initiatives put in place, lending to individuals and especially SMEs continues to fall and the cost of borrowing varies significantly across the continent. The Comprehensive Assessment is aimed at addressing issues in the banking sector which will ultimately help unblock the channels in monetary policy.

The Comprehensive Assessment has three goals – improve transparency by enhancing the quality of information on the condition of banks; repair banking by identifying and implementing any necessary corrective actions; and build confidence in the banking system so that all stakeholders are assured that banks are fundamentally sound.

It will follow a three stage approach covering 131 banks representing around 85% of total Eurozone assets.

A risk assessment of individual bank balance sheets to identify the main risks and potential shocks

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Wednesday, 22nd October 2014

John Smiles

Qualified Financial Advisor

What is the Comprehensive Assessment of European Bank Balance Sheets?

The European Central Bank (ECB) commenced a rigorous analysis of European bank balance sheets over a twelve month period beginning in November 2013. Despite the complexity and scale of this undertaking, the central bank is set to provide lenders with the results on October 24 with a public release two days later. The test comes ahead of the ECB assuming fully responsibility for banking supervision under the Single Supervisory Mechanism in November 2014 and is another step towards full scale banking union and also includes deposit guarantee schemes and bank recovery and resolution directives.

The ECB has stated that the money transmission mechanism in Europe is broken. Despite a number of initiatives put in place, lending to individuals and especially SMEs continues to fall and the cost of borrowing

Read More »

Wednesday, 22nd October 2014

Bernard Walsh, Head of Pensions and Investments at Bank of Ireland Life offers advice on how to put a retirement savings plan in place.

Planning ahead for retirement is something everyone needs to think about. The old clichés are true, it is never too late to start planning but the earlier you start the better it is in the long run.

When we talk to people about saving for retirement, we talk about a combined effort. The good news is that it is not all down to you – there may be other participants too. If you are lucky enough to be in a company pension scheme, your employer may make a contribution. What we're talking about is not taking money from your salary and placing it in a black hole. It is all about allocating some of today's spending to plan

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Wednesday, 15th October 2014

John Smiles

Qualified Financial Advisor

What are mirror funds?

Mirror funds are investment funds that are taken out with one product provider and they have the brand of that provider on them but the funds are actually managed by other fund managers. Examples of this type of fund are the Friends First Insight Currency Fund which is managed by Alder Capital; the Irish Life Fidelity China Fund which is managed by Fidelity Investments and the Aviva Ireland BlackRock European Absolute Return Fund which is managed by Blackrock.

In each of the above cases, the outside managers have agreed to run the funds and their investments mirror the actions of their own core funds but under a different charging structure. Generally, investing in a product producers' own investment fund will incur an annual management charge of between 0.75% and 1.25% per annum. However, if you

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    Mealy- Mouthed WhinersIs there something particular to the Irish, that when something that should be universally applauded is brought in, there will still be someone, somewhere who will start to go on about how problematic it is all going to be.Last week when the Government brought in free doctor's visits for the over 70's it should have been a time of celebration for everyone involved, particularly considering that it is not that long ago that this same Government brought in the same system for th …

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