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Wednesday, 31st July 2013

John Smiles

Qualified Financial Advisor

What do I need to know about investing?

Investing is all about choice, choosing the investments that are right for you as well as when, and when not to invest.

In making the right choice for yourself, you should consider as many different options as possible. However, unless you are clear about what type of investment you are looking for, the more options you consider the more confusing it can become.

That is why, at Adelphi Financial Brokers, we give you access to a wide range of investment products such as deposit accounts, structured products, bonds, unit trusts and funds.

These products cover all the major asset classes and are managed by some of the world's leading asset managers.

Each product is packaged to make it easy for you to understand what it has been designed to do.

We believe that this broad

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Expert View

Wednesday, 24th July 2013

John Smiles

What are Mortality Rates?

It is now commonplace to hear the media and people in general speak about the increase in life expectancy that has occurred in recent times. The mortality rate, or crude death rate, is the number of deaths per population over a given period of time and is typically expressed in deaths per 1,000. It is an average figure that is often used as a proxy for the overall health of a population.

Studies on death rates for various groups in society are of interest to medical doctors and their patients, legislators and life insurance companies. In general, developed countries show a relatively lower mortality rate than developing countries.

This is not always the case. South Africa ranks number 1 on the Death Rate Country Comparison table with 17.23 deaths per 1,000 of population and Russia ranks 2 with

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Waterford - 10 Houses Sell In Under 2 Hours

Wednesday, 24th July 2013

With Sherry Fitzgerald John Rohan

An exciting opportunity for first time buyers and investors presented itself Friday 12th July 2013 with the release of ten 3 bedroom semi detached homes in varying states of finish in Meadowbank, Ballinaneeshagh, Waterford under the instruction of Simon Coyle, Mazars, Receiver and Manager. Interest was keen at the two hour open viewing held by selling agents Sherry Fitzgerald John Rohan. Determined buyers were waiting at the development for the 12 o clock opening with deposits ready to be paid. Offering tremendous value with asking prices from €65,000, viewings continued steadily throughout the open viewing times until all ten properties reached their asking prices, deposits were paid and contracts signed.

Meadowbank is a modern residential development situated just off the Cork Road adjacent to Waterford Industrial Estate and neighbouring Waterford Institute of Technology. Located within close proximity

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Government Gives Green Light To New Housing Assistance Payment

Wednesday, 24th July 2013

The Government have announced that it will proceed with the transfer of responsibility for recipients of rent supplement with a long-term housing need from the Department of Social Protection to housing authorities using a new Housing Assistance Payment. This joint proposal by the Minister for the Environment, Community & Local Government, together with the Minister for Housing and Planning, and the Minister for Social Protection, arose out of a commitment in the Programme for Government to review the operation of the rent supplement scheme and bring forward appropriate proposals to integrate rent supplement and social housing support systems. This commitment in the Programme for Government followed on-going concerns about the evolvement of rent supplement into a long-term housing support; which it was never designed to be. It was also one of the key reforms announced in the Minister for Housing

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Expert View

Wednesday, 17th July 2013

Tarantino Comes To Waterford

Waterford's newest theatre company Beretta Productions is proud to announce that their first play to be performed for Waterford audiences will be a stage version of Reservoir Dogs by legendary filmmaker Quentin Tarantino. This production which will be held in Garter Lane Arts Centre from the 29th to the 31st of August will be a first for Waterford. It will not only be the first stage version of Reservoir Dogs to be held in Waterford but the first time any theatre company has brought Tarantino's incredible writing to Waterford audiences. In order to bring the very best to the garter lane stage and to pay homage to the film and the amazing writing, we have decided to use an entire cast full of Waterford actors. Each bringing their own individual talent to each of these characters.

Guns, gangsters

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7% of property owners select cash payments option for Property Tax

Wednesday, 17th July 2013

July marks official kick-off month for property tax payments

Payzone, Ireland's largest consumer payments network has shared figures, compiled by the Revenue Commissioners, that reveal that 7% of property owners have chosen cash/retail

payments as their preferred method of payment when filing their Local Property Tax (LPT) Return Form.

As one of the approved Payment Service Providers, Payzone is reminding those who have selected cash payments as their preferred method of payment, to notify them that they now have the month of July to commence payments at any one of its network of 2,000 Payzone branded retail outlets, located throughout the county. Cash payments can be made in a single payment or on a weekly or monthly basis, with the added flexibility to vary payments if required. The service is particularly geared to help taxpayers budget more effectively by making smaller payments over

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Expert View

Wednesday, 10th July 2013

Is now the right time to buy a property?

For many people, buying a property will be their biggest ever purchase. Buying a home challenges our rational actions and behaviour. Irish people tend to have a highly emotional attitude to property, related to our history of land ownership. However, a long-term decision like buying property should be the opposite of emotional. It should be made with great caution. Gather all the facts, not just the opinions of others, assess those facts and weigh up the pros and cons.

Mortgage interest rates are likely to increase because the banks are starved of cash and many of the loans on their balance sheets are non-performing. Standard Variable Rate (SVR) mortgages look like a guaranteed way to raise money for a cash-starved bank. SVR can be raised at the banks’ discretion, such increases potentially putting

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Exciting opportunity for first time buyers

Wednesday, 10th July 2013

Exciting opportunity for first time buyers

Exciting opportunity for first time buyers and Meadowbank, Ballinaneeshagh, Cork Road, Waterford

Sherry FitzGerald John Rohan now offer an exciting opportunity for first time buyers and investors with the release of ten 3 bedroom semi detached homes in Meadowbank, Ballinaneeshagh, Waterford. Offering tremendous value with asking prices from e65,000. Meadowbank is a modern residential development situated just off the Cork Road adjacent to Waterford Industrial Estate and neighbouring Waterford Institute of Technology. Located within close proximity to the city bypass, the City Centre is only a five minute drive away and there is also a frequent bus service.

The properties available are spacious semi detached homes approximately 1018 sq ft (95 sq m) of traditional concrete block construction. These new homes offer low maintenance living for today’s busy lifestyle such as:

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Coffey welcomes €475,000 funding for Dunmore East Water Supply Scheme

Wednesday, 10th July 2013

Fine Gael Waterford Deputy, Paudie Coffey, has welcomed news that the Minister for the Environment, Community and Local Government, Phil Hogan TD, has approved €475,000 in funding that will allow for the first phase of works to begin in the Dunmore East Water Supply Scheme. This funding follows on from last week when the Minister approved €2.8 million for the Cheekpoint part of the seven village sewerage upgrade.

"The Grouped Towns and Villages Sewerage Scheme is included in the Department’s Water Services Investment Programme 2010 – 2013 at an estimated cost of over €50 million. This is a significant capital investment in county Waterford and includes the villages of Dunmore East, Cheekpoint, Kilmacthomas, Stradbally, Kilmeaden/Ballyduff, Cappoquin and Tallow.

"This phase of the works involves the construction of a new pumping station at Corbally Beg to boost water from the East Waterford Water

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Hot weather lulls people into a false sense of security

Wednesday, 10th July 2013

Thousands of people are enjoying warmer weather activities at waterways nationwide yet there is an ever present danger that people will drown even in close proximity to shore and close to other water users. Irish Water Safety (IWS) is calling on the public to avoid unsupervised bathing areas and to swim in an area that has a lifeguard. Irish Water Safety has details of all lifeguarded waterways nationwide listed at http://www.iws.ie.

Having IWS assessed Lifeguards nearby is reassuring in case you need advice, help with first aid or missing children. They are trained to prevent or react to unexpected incidents where seconds can make a difference. However, Lifeguards are not a child minding service and members of the public have a duty of care to protect themselves and their families when visiting waterways nationwide.

Knowing the dangers will reduce the

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Letters to the Editor

  • Editorial

    spring is in the airAlthough the weather might not always be in agreement, you certainly can't deny that Spring is definitely beginning to make its presence felt. The weather is slowly starting to get better, daffodils are all around and blossom is starting to come out on trees. After suffering through one of the most difficult winters on record it is about time that Spring is at long last beginning to make an appearance. More than any other season Spring is one of the most welcome and eagerly anticipated …

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