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Tuesday, 5th September 2017

John Smiles

Qualified Financial Advisor

Pension Poverty

For 25 years, the pensions industry has been talking about the ‘pension’s time bomb’.

The Irish population is ageing and from 2016, we will see a large annual increase in the over 65 population, which is expected to treble in size to 1.4 million by 2040.

There has been much talk about the issue and the Government introduced new pension products such as Personal Retirement Savings Accounts [PRSAs] in an effort to increase pension coverage and reduce the exposure of the State to the cost of providing pensions benefits.

The most significant action from Government to date has been the Social Welfare and Pensions Act, 2011 in which the Government raised the qualification age for the State Old Age Pension to 66; from January 2021 it will rise to 67 and from January 2028 it increases to 68.

None of

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Tuesday, 5th September 2017

Waterford is set to welcome more than 1,500 cruise ship passengers during the month of September, completing the summer cruise ship call programme, which saw over 8,000 international visitors arrive to our shores.

The September programme begins with Wind Surf docking in Dunmore East, carrying 386 passengers, on September 11th and concludes with Nautica arriving to Belview Port on September 19th with 824 on board.

According to David McCoy, Chair of Visit Waterford Marketing Group, it is great to see Waterford is a key destination for international visitors travelling on leisure cruises.

The city has always provided a warm welcome to visitors from all around the world. Visit Waterford Marketing Group, through Waterford Chamber, will be issuing posters to retailers and businesses throughout the city to welcome passengers.

Cruise travel provides the city with a

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Tuesday, 5th September 2017

Enjoy an evening of delicious food, cooked on site, as Evoke showcase their impressive range of kitchens, created by their team of in-house designers, while Blackwater Distillery will welcome you with a tasty cocktail on arrival.

On the night we will also be launching the Waterford Business Awards, with partners WLR FM and Waterford City & County Council.

About Evoke German Kitchens

Evoke German Kitchens is a family business run by father and son duo, Colm and Declan Furlong. At Evoke, we design, supply and install exceptional quality German kitchens.

From the traditional to modern contemporary, their kitchens are fully fitted by the Evoke team, who can also look after all plumbing and electrical work, tiling, plastering, painting and other renovation works including the demolition of structural and dividing walls.

Evoke will also be launching their range of traditional Irish handcrafted kitchens at the Waterford

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Wednesday, 30th August 2017

Michael Garland,

bizBoost Chair,

Waterford Business Group

Cycle Waterford, in Ireland’s Ancient East

Could leisure and road cycling become one of the biggest jewels in Waterford’s tourism crown? There can be absolutely no doubt, that Waterford and the wider South East region, has an abundance of road and leisure cycling opportunities just waiting to be discovered. Many new businesses have opened up to encourage this emerging market, as well as various Waterford Greenway hire companies. Waterford Camino promises to help you explore and uncover some of Ireland’s hidden gems.

Waterford, Ireland's oldest City, boasts a very proud heritage when it comes to cycling. There's something about the air in this place, not to mention the arduous mountain climbs and undulating roads, that produces great champions. Home to former World Number One cyclist and current Eurosport commentator Sean Kelly. Also up and coming future champion Sam

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Wednesday, 30th August 2017

John Smiles

Qualified Financial Advisor

Some tips for renting student property

The start of the academic year is approaching and students with successful CAO offers are now searching for accommodation. Here are some tips on what to look out for.

- Before searching for a property, speak to other students or check college advice websites for first-hand experiences of renting in the area. The amount of accommodation available and the average rents charged can have a big effect on your budget.

- Your student union may offer a free housing or legal advice and contract checking service.

- Unfortunately, some unscrupulous landlords may not have a tenant‘s best interest at heart, it is therefore advisable to seek advice from professional letting agents who must adhere to a strict code of conduct.

- Find out what kind of tenancy agreement you are signing, as this can make a difference

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Wednesday, 30th August 2017

Up to €14,000 can be earned tax free by renting out a room in a home

Waterford Institute of Technology (WIT) is encouraging home owners in Waterford City to avail of the country’s rent a room scheme which allows people to rent a room in their home and earn €14,000 a year tax free.

“Waterford remains one of the most affordable places in the country for student accommodation, but we still have demand for digs, and also accommodation for one academic semester,” says Michael Murphy, President of WIT Students’ Union.

He says there is demand from different types of students seeking to rent a room: first year students, international students studying for a semester in Ireland and apprentices on block study at WIT.

“If you let a room

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Wednesday, 9th August 2017

Michael Garland,

bizBoost Chair,

Waterford Business Group

Our Showcase Weekend!

It has to be one of the most eagerly anticipated weekends of the year. The annual “Spraoi Bank Holiday in August”, as we all now call it.

The 2017 three-day event was even more special this year, as we were celebrating the 25th Birthday, of this festival of street music and entertainment. An event that, in all honesty has probably grown to such an extent, that those originators who came up with the idea, are pinching themselves very hard.

Who could have imagined that from such a small acorn, a whole forest would grow?

Spraoi 25, has brought to Waterford City, brand new international acts and a plethora of exciting, innovative and extraordinary home-grown talent. Year on year we see this festival “Reinvent” the concept of street entertainment. This production seems as fresh as ever. It is

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Wednesday, 9th August 2017

A 2014 Garda Inspectorate Report entitled “Crime Investigations” revealed many worrying statistics. The Inspectorate reported many concerns in how crimes were recorded or in some instance crimes were not recorded at all. The report highlighted that 45% of Domestic Violence crimes reported to Gardaí failed to be recorded on the Garda PULSE system.

A subsequent report conducted by the CSO entitled “Review of the quality of crime statistics 2016” uncovered that in respect of Burglary and Robbery that 45% and 41% respectively were reclassified and downgraded to a less serious crime without justification. In 2015 alone 33% of recorded crimes were reclassified without justification. 18% of crimes where recorded as detected or concluded when in fact they had not.

Brendan Byrne Waterford City West & Tramore Labour Representative who compiled an article in response to the growing number of people who fell

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Wednesday, 9th August 2017

John Smiles

Qualified Financial Advisor

What is an Emerging Market?

The MSCI Emerging Markets Index contains 24 countries representing 15% of the investable market.

29 years ago there were just 10 countries in the index, representing just 1% of the market.

In the decade from 2003, emerging markets went from 24% of worldwide GDP up to 43%.

Anyone savvy enough to invest in this sector has been very well rewarded with average annual returns of up to 9.6% pa over the past 10 years.

Unfortunately, there is no standard, widely accepted definition of an emerging market.

Classification systems vary widely but are generally based on the World Bank's methodology for classifying markets as developed or developing.

Countries with high levels of per capita income are classified as developed.

Those countries with low, middle, and upper-middle incomes per capita, relative to incomes in developed countries are classed as developing or emerging.

Countries

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Wednesday, 9th August 2017

Deputy Mayor of Waterford Cllr. John Cummins has said he is confident that the state investment required to facilitate the North Quays & Michael St/New Street retail development will be forthcoming. Cllr. Cummins was speaking following a meeting with Taoiseach Leo Varadkar which was attended by all Waterford Fine Gael councillors and Senator Paudie Coffey.

Cllr. Cummins said the cost benefit analysis by Indecon had indicated a positive return to the state for the capital investment required. “The €61.5m required for the infrastructure is a very significant sum but in order to facilitate the Al Hokair development, infrastructure improvements are required. The figure takes account of improvements that must be made to the Dock Road and Abbey Road with new routes on to the site, a new pedestrian and public transport bridge and a transport hub that would house a relocated

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Letters to the Editor

  • OUR VIEW

    Christmas timeBeing part of the huge crowd that was in Waterford city centre for the annual turning on of the Christmas lights was without a question one of the highlights of the year. Seeing so many people, and particularly young people, infants and children, being part of the whole event made the turning on of the lights an even better occasion than you could possibly imagine.Each year the Winterval festival just gets better and better and you really have to hand it to the people behind it whose …

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